Underwriting
Re-insurance Underwriting [ Flagship Offering | Core Identity of the Company ]
Overview
Re-Insurance Optimization Product is a structured decision-support and advisory solution for (re)Insurers and risk-bearing entities to adopt efficient, capital-aligned re-insurance capacity and protection programs.
This product and enables the management teams of the Risk bearing entities to optimize own retention, review and design re-insurance programme structure, and Reinsurance market placement using data-driven analytics. This Product will provide a realistic an unbiased guidance in comparison to legacy treaty rollovers or purely broker-led recommendations.
Key Challenges Addressed
- Re-insurance programs renewed without portfolio-level optimization
- Retention decisions not aligned to capital strength or risk appetite
- Limited transparency during reinsurer negotiations
- Sub-optimal balance between risk transfer cost and capital efficiency
Product Capabilities
- Re-Insurance Data Pack
Re-Insurance Data Pack is a structured information and analytics package designed to support effective re-insurance evaluation and placement.
The current practice of data submission to reinsurers is often fragmented, inconsistent, incomplete, and heavily broker-dependent, leading to delays, repeated queries, and sub-optimal risk assessment.
Re-Insurance Data Pack enables insurers to present their portfolio in a standardized, transparent, and decision-ready format by consolidating portfolio exposure, historical loss experience, claims development patterns, underwriting information, and risk summaries. This improves reinsurer confidence, accelerates placement timelines, and enhances comparability across market submissions.
- Optimal Retention
Optimal Retention Planning is an analytical framework designed to determine optimal risk retention levels aligned with an insurer’s capital position and risk appetite.
Retention decisions are frequently driven by historical practices or market conventions rather than forward-looking capital and volatility analysis.
Optimal Retention Planning enables management teams to move towards data-driven retention decisions by evaluating the risk portfolio, capital adequacy, solvency impact, earnings volatility, and stress scenarios. This supports an optimal balance between risk retention and transfer while preserving financial stability and return on capital.
- Re-Insurance Structure and Design
Overall Re-Insurance Plan is a structured approach to designing a comprehensive re-insurance program across lines of business.
Re-insurance programs are often renewed through incremental adjustments to existing treaties, without a holistic assessment of portfolio risk or long-term strategy.
Re-Insurance Structure and Design enables insurers to design proportional and non-proportional re-insurance structures—such as quota share, surplus, excess of loss, and catastrophe covers—aligned with own financial strength, underwriting objectives, market cycles, regulatory requirements, and long-term sustainability.
- Negotiation guidance
Negotiation guidance is an independent advisory service designed to strengthen insurer outcomes during annual re-insurance programme commercial negotiations.
Negotiations are commonly driven by limited pricing benchmarks, asymmetry of information, and time-constrained market cycles.
Negotiation guidance enables insurers to engage with reinsurers from an informed and structured position by providing pricing benchmarks, coverage comparisons, treaty wording reviews, and counter-proposal analysis. This helps achieve improved commercial terms, enhanced coverage clarity, and sustainable reinsurer relationships.
Insurer Selection Product
Insurer Selection Product is a decision support system for mid-tier to large corporate enterprise risk managers to select their insurance risk carrier.
The current practice of Insurer Selection by corporates largely predicated on subjective considerations such as:
- Broker-recommended shortlists
- Past experience, mostly confined to own book and anecdotal knowledge
Financial ratings (A.M. Best, S&P) —
Insurance Selection Product enables CFOs and Risk Managers to move beyond subjective judgment towards data-driven Insurer selection that best fits the requirements of the corporate client.
Insurer Selection Product has been built on the analytical framework of “A Security Analysis Tool for Selecting Risk Carriers,” - a proprietary white paper with case studies.
The analytical framework comprises 10 key financial, operational and performance ratios to generate actionable insights for evaluating Insurers.
You can write to use for access to the white paper or demo of the Insurer Selection Product: For a synopsis of this paper please click here
- contactus@rscmc.com or
- fill in the contact form on the website (attach link here)
