​Asset-intensive reinsurance refers to the full-risk coinsurance of annuities or insurance products that have a significant investment component. We are one of the world’s largest reinsurers of fixed and variable annuity products in the U.S. and we have expanded our capabilities to markets worldwide.

With asset-intensive reinsurance, we can help you take advantage of growth opportunities that might otherwise stretch your available capital or add too much investment risk to your balance sheet.

When you partner with us for asset-intensive reinsurance, you will be teaming up with a life reinsurer that is not only a world leader in mortality and morbidity expertise, but a company that brings a strong record of financial strength and stability in the marketplace. Our approach places a strong emphasis on ALM analysis, which can provide value as an independent review of our clients’ products and management process.

Partnership is the key to success with asset-intensive reinsurance because of the active product management involved in these products including investment decisions, investment and claims management, and the determination of non-guaranteed elements – all of which need to be discussed and mutually agreed upon. Finding a reinsurer you can trust and work with over the long term is vital to building a successful reinsurance program.

Asset-Intensive Reinsurance Solutions

We provide the following reinsurance solutions for capital strain that is often inherent in fixed and variable annuity insurance and interest-sensitive annuity products:

• Shared risk on new product ventures
• Release of embedded value from in force blocks of business
• Independent validation of product design and pricing
• Access to capital-planning experts to help reduce surplus strain and risk-based capital requirements
• Asset-liability management expertise
• Ability to provide capacity for excess production allowing for continued sales when faced with production limits

Asset-Intensive Products

We reinsure the following annuity and interest-sensitive products:

• Fixed Deferred Annuities
• Indexed Annuities
• Variable (unit-linked) Annuities
• Universal Life COLI/BOLI
• Variable (unit-linked) Life Products
• Immediate/Payout Annuities
• Whole Life
• Disabled Life Reserves
• Extended Term Insurance

Please contact us to learn more about how we can help you manage your risk and improve your capital position through annuity and other asset-intensive reinsurance.

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