Life, Accident, Disability & Health Reinsurance

A specialist approach to life, accident, disability, and health reinsurance

Life, accident, disability, and health reinsurance is a key part of any organization’s comprehensive risk management program.

Whether you are a managing general underwriter, insurance company, health plan or any other financial risk taking organization, partnering with the Risk Strategies National Healthcare Practice Reinsurance team means you get programs tailor-built to suit your needs and manage your risk in the current market.

Unrivaled health reinsurance expertise

A constantly changing regulatory environment, drug innovation, and rising costs have brought both turmoil and opportunity to the healthcare market. We help you manage your risk and maximize your return across the full spectrum of healthcare products.

Products and services include: 

• Self-Funded Stop Loss and Program Business
• Managed Care Excess and Quota Share
• Provider Excess including ACOs
• Short-Term, Limited and Student Medical
• Catastrophe Protection
• Efficient Capital Management using Reinsurance
• Medicare Supplement

Stand on solid ground with life and disability 

Our broad market reach identifies the highest value risk-sharing opportunities so you can confidently manage growth. We maximize the array of life and disability reinsurance options available for your existing block of business or when you are looking to diversify.

Products and services include: 

• Life, AD&D and Disability: Group, Individual, Voluntary, Supplemental Health/Worksite
• Catastrophe Cover
• Per Person and Aggregate Excess
• Quota Share, Excess, and Coinsurance

Accident: hope is not a policy

Whether your concern is frequency or severity, whether you write student or travel, group or individual, we find the best reinsurance partner for your business.

Products and services include: 

• Group and Voluntary AD&D
• Business, Accident and/or Student Travel
• Special Risk

Always your advocate

We provide claims advocacy solutions by leveraging on our extensive relationship with carriers and industry insights to help you resolve claims in an effective way, and acting as an extension of your operations in the notification and recovery process

Services: outside insight as needed

Need fresh perspective on an old problem or the right expertise for a new one? We have the (re)insurance market connections you need to streamline your risk-management processes, solve business problems, and take advantage of growth opportunities.

Products and services include: 

• Actuarial Analysis
• Financial Modeling
• Policy Development and Filing
• Alternative Distribution Channels
• Third-Party Vendor Solutions
• Surplus Note Program
• Underwriting Support
• Alternative Risk Transfer and Captive Insurance
• Strategic Consulting
• Cost Containment Resources
• MGU and Captive Services 

The Risk Strategies National Healthcare Practice is one of the nation’s largest and most experienced. Get a dedicated risk management consultant and partner with the in-depth industry knowledge you need to keep your organization in top shape.