The Role of Reinsurance

  • What is Reinsurance?: Reinsurance is insurance for insurance companies. It allows insurers to manage risk and protect themselves from large losses.
  • Types of Reinsurance:
    • Facultative Reinsurance: Reinsurance purchased for individual policies.
    • Treaty Reinsurance: A blanket agreement between the insurer and reinsurer to cover all policies in a specific category.
  • Benefits of Reinsurance: Helps insurance companies stabilize their finances, increase capacity, and manage catastrophic risks.

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