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Structured Reinsurance

Traditional reinsurance solutions are usually effective tools for risk and capital management purposes, but in certain situations more complex structuring techniques can add significant value.

This is often the case where there is a desire to optimise capital efficiency, reduce operational expense or reduce earnings volatility.

Our Structured team can work with you to customise traditional solutions in a way that blends reinsurance, risk financing and alternative sources of funding to address your specific needs.

Structured solutions are sometimes hard to define but often explicitly consider the time value of money, involve profit sharing and risk mitigating features, or function across operating units or time periods. Structured elements can also be used to bridge gaps between ceding company and reinsurer assessments of risk or to facilitate transitions in programs.

The Structured Reinsurance practice works across all geographies and is able to leverage the global resources and deep expertise of the entire Willis Towers Watson organisation. We are also able to deploy our Insurance Consulting and Financial Advisory teams to help clients consider the financial statement and capital implications of each solution under consideration.

Our solutions are always designed to create the optimal impact on client key performance indicators. This may lead us to suggest strategies that incorporate prospective and retrospective elements that make use of a variety of capital sources.

We use a consultative approach, matching clients only with those solutions that can meet their strategic objectives.

Our approach is always tailored specifically to our customer’s needs with the most common products being:

Prospective Risk

  • Multi-Year Multi-Line Aggregate Excess of Loss
  • Spread-Loss
  • Aggregate Stop-Loss
  • Surplus Relief Quota Share

Retrospective Risk

  • Loss Portfolio Transfer
  • Adverse Development Cover
  • Legal Transfers (Reinsurance to Close, Novations, Insurance Business Transfers etc.)

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