Prospective Structured Reinsurance Solutions

Why insurers increasingly employ prospective reinsurance for capital management

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Rethink your capital retention levels and existing reinsurance structures

Your businesses changes and grows over time, which is why our structured solutions let you manage your capital in a more targeted, focused and flexible way.

How can structured reinsurance help meet your capital requirements?

Our bespoke solutions address a broad range of capital requirements from a variety of solvency regimes. So, no matter whether you require additional capital to meet your targeted annual premium growth or to steer your capital adequacy ratio, we have the necessary experience to assist with structured reinsurance solutions.

Celina Wang

Head of Prospective Structuring

Phone: +41 58 22 66 418

Email: cwang@newre.com

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Enjoy the benefits of structured prospective solutions

Improve capital efficiency

Release trapped or redundant capital and improve return on equity.

Prepare for growth

Increase capacity for catastrophic risks and insurability of difficult-to-insure risks.

Lower capital cost

Reduce the cost of paid-in capital by reducing volatility.

Enhance operational efficiency

Increase the efficiencies of your insurance programs.

Reduce impact of regulatory change

Mitigate the potential costs of unanticipated regulatory changes.

Customise to your situation

Structure your reinsurance programs around the specific needs of your organization.

Do you have challenging KPIs to meet? Let us work together and create the perfect solution for your specific needs and goals.

Celina Wang

Head of Prospective Structuring

Would you like to know more?

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Choose from a multitude of customizable features for your individual structured reinsurance solution

Listed below are just a few examples of the wide selection of structured reinsurance features we can customize for you.

Cash Flow Alternatives

Employ reinsurance combined with features that address the liquidity requirements of your organisation’s exceptional activities. For example a funds withheld structure that allows you to retain the bulk of the premium, minimising disruptions to your investment activities.

Retroactive Component

Our solutions can also transfer the risk of adverse development of prior accident year reserves. As part of prospective reinsurance this is typically known as a calendar year solution.
In certain jurisdictions additional limitations for such covers apply and need to be considered.
Retroactive covers as stand-alone solutions are the perfect tool for freeing up redundancies and capital or to ring-fence liabilities.

Multi-year solutions

Reassure a regulator or rating agency with regard to sustainable capital management while benefiting from smoothing effects over time. You can choose tailor-made multi-year structures flexibly adaptable to your expectations. Covers can be adapted to better match specifics within your business plan time horizon.

Restructuring Options

Restructuring options allow to flexibly adapt the contract to the development in previous periods.

Retention & Limit Adjustment

Structuring features like retentions or limits can be automatically re-adjusted based on
previous loss experience or exposure development to better match risk retention over a longer term.

Annual and term deductibles and limits can be set to optimize a solution to match your requirements and risk appetite.

Profit Commission & Sliding Scale

Share in the profit from better than anticipated performance over the term of a multi-year solution.

Additional Premium

Expectations of the loss burden in the first year of a structured solution differ between the parties? Specifically defined additional premium features after one or two years can bridge those differences and help to secure an agreement by lowering the upfront premium.

Optional Prolongation

Like the restructuring option, a prolongation option allows the flexibility to adapt the contract to the development after an initial period of time. Extending a multi-year solution will smooth results over a longer time period by acting as additional buffer while accounting for deviations compared to growth plans.