Descargar - International Cooperative and Mutual Insurance

Descargar - International Cooperative and Mutual Insurance

Conference parallel session
Alternative
reinsurance solutions
and strategies
Reaseguradores
Argentinos S.A.
R.A.S.A
.
R.A.S.A.
Siempre con el respaldo de la Asociación
de Cooperativas y Mutualidades de
Seguros de la Republica Argentina y su
Broker Stop Loss Bureau de Reaseguros
S.A.
Tenemos Experiencia Reasegurativa
«24 años de reaseguro Cooperativo»
COMIEZA NUESTRA HISTORIA REASEGURATIVA
1990
CON EL APOYO DE LA FEDERACIÓN
SE EXTRUCTURO LA CAPACITACIÓN
Y REALIZACIÓN DE CONTRATOS DE
REASEGURO PARA NUESTRO
SECTOR
NUESTRA HISTORIA
1996 - Desarrollo del primer “Pool Nacional de
Reaseguros”, de contratos Facultativos .
1998 – Creación del Pool de Transporte Publíco
de Pasajeros.
2002 - a comienzos del año , se instrumento el
“Pool Nacional de Reaseguros” de Contratos
Automáticos, sobre la base de Reaseguros
Activos
NUESTRA HISTORIA
“Fínaloss S.A.”, financiera, formada en 2004
para que se inviertan los fondos del Pool
Nacional de Reaseguros.
2007 - Creación del Pool de Caución
Ambiental.
MERCADO REASEGURADOR
ARGENTINO
11 de febrero de 2011 Superintendencia
de Seguros de la Nación dictó la
Resolución N° 35.615 que aprobó un
nuevo marco regulatorio de reaseguros
Argentino.
El 9 de marzo de 2012 se funda
Reaseguradores Argentinos S.A. (R.A.S.A.)
ACCIONISTAS
Están compuestos por la unión de diferentes
sociedades jurídicas
Son 13
9 Cooperativas – 3 sociedades Anónimas y 1
Ente Autárquico Provincial.
R.A.S.A.
2015
2015
En total 29 empresas confiaron en
R.A.S.A. cediendo el 100% de sus
contratos.
Se emitieron en total 87 contratos
Automáticos
POOL - R.A.S.A.
Se cancelaron primas por
U$S 17.800.000.2015 y principios de 2016
Se indemnizaron siniestros
por U$S 6.300.000.-.
Se realizó Cut-Off General
de Contratos
Produciendo un ingreso a las
Reaseguradoras
partipantes del Pool de
Nacional de Reaseguros
Activos
de U$S 11.500.000.-
Pool
Agrupación Stop Loss Bureau de
Reaseguros
En el presente año estamos
Administrando U$S 37.000.000R.A.S.A
tiene a la fecha fondos por
U$S 10.500.000.(en su tercer año de vida)
Se realizaron Retrocesiones por el 30% de
las primas emitidas. Confirma el apoyo a
todos y cada una de nuestras cedentes y su
profesionalidad en cuando a la suscripción
de riesgos.
10.00%
5.00%
0.00%
RIESGOS AMBIENTALES, 2.40%
INCENDIO, 6.58%
CASCOS, 2.56%
VIDA, 1.50%
GRANIZO, 6.39%
CAUCIÓN, 14.09%
15.00%
AUTOMOTORES, 37.83%
20.00%
MISCELÁNEOS, 8.63%
PARTICICACIÓN PORCENTUAL
40.00%
CONTRATOS POOL- RASA
PARTICIPACION % POR RAMA 2016-2017
35.00%
30.00%
25.00%
R.A.S.A.
REASEGURADORES ARGENTINOS S.A. es la
primera Reaseguradora Nacional que obtiene
una calificación, esta ha sido valorada como
“A”
Dicha calificación, que mide la fortaleza
financiera de la reaseguradora en la escala
nacional y en moneda local, establece a la vez,
un ranking de riesgo crediticio de las
reaseguradoras y compañías de seguros en
función de la comparación con el resto del
mercado argentino
R.A.S.A.
Nuestro Futuro es continuar brindando
soluciones a las necesidades, el desarrollo y
fortalecer el crecimiento de las empresas de
seguros.
“Simplemente brindar servicio”
R.A.S.A.
Una empresa con ESPIRITU y ACTITUD
COOPERATIVA
REASEGURADORES
ARGENTINOS S.A.
Reinsurance diversification the LF way
Tor Mellbye, Reinsurance Manager, LF Sak AB
MORO 2016
MORO 2016
19
Tor Mellbye
The Länsförsäkringar Alliance and its customers
The Länsförsäkringar Alliance
has 3.5 million customers,
who also own...
…23 local, regional insurance
companies.
We work together through
Länsförsäkringar AB,
which is the hub of the
Länsförsäkringar Alliance.
MORO 2016
20
Tor Mellbye
Reinsurance solution
•
•
•
•
External
Reinsurance
194
6
Mutual 1
MORO 2016
21
Tor Mellbye
190
10
Mutual 2
185
15
Mutual 3
23 mutuals of different sizes, portfolios and exposures
Each mututal chooses their own retention
Internal pooling up to group retention
External reinsurance excess group retention
Pooled
premiums
and
claims
Mutual 3
LF
Sak
Mutual 2
Mutual 1
LF Älvsborg, Reinsurance 2015
Cat External
7800 xs 200
Per Risk
External
900 xs 100
Cat Internal
190 xs 10
10
Per Risk
Internal
90 xs 10
10
Liability
External
280 xs 20
Liability
Internal
10 xs 10
Pleasure
boat
External
35 xs 15
Motor Hull
Internal
29 xs 1
10
1
MORO 2016
22
Tor Mellbye
Pleasure boat
Internal
14,5 xs
0,5
0,5
Stop Loss
20% xs 90%
90%
MTPL
External
unltd xs 40
MTPL
Internal
38 xs 2
2
PA
External
Risk & Cat
730 xs 20
PA
Internal
19 xs 1
2
Assumed International Reinsurance
Why and how?
•
•
•
•
•
•
•
Profitable
Balance to ceded reinsurance
Competence
International presence
Well known brand
Broker reciprocity
Diversification
MORO 2016
23
Tor Mellbye
Portfolio Assumed International Reinsurance
Number
MORO 2016
24
Tor Mellbye
Cedants
359
Brokers
110
Countries
71
Gross Written Premium
500
450
400
350
300
250
200
150
100
50
0
2003
2004
MORO 2016
25
Tor Mellbye
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
Gross Written Premium
Region at risk (MSEK 413)
MORO 2016
26
Tor Mellbye
Gross Written Premium
Class of Business (MSEK 413)
MORO 2016
27
Tor Mellbye
Retro International Reinsurance
(MSEK)
Approximately 50%
ceded to LF
Mutuals
MORO 2016
28
Tor Mellbye
Thank you!
Intern
Alternative reinsurance solutions
and strategies
Jesus Oscar Prieto
General Manager, Reaseguradores Argentinos S.A.
(Argentina)
Tor Mellbye
Reinsurance Manager, Länsförsäkringar Sak (Sweden)
Simon Wigzell
Underwriting Manager, UnipolRe (Ireland)
UnipolRe - An Introduction
Benefits UnipolRe brings to Group
Establishment of UnipolRe in a Solvency II environment
Capital
Efficiencies
Diversification
•
The possibility of using excess capital for an activity that complements
the potential to grow combined with good returns.
•
The possibility to use reinsurance as a global saving on the allocation
of capital under SII regime.
3
2
UnipolRe – A view from the starting grid
First Steps
Regulatory
Approval
•
December 2014 UnipolRe obtained authorization from the Central Bank
of Ireland.
•
The process of ‘unbundling’ from the Group - investments, risk appetite
and underwriting policy.
Operational
•
Recruitment of key figures such as Underwriters and Actuaries.
Technical
Development
•
Development of technical actuarial models.
Rating
•
September 2015 obtained a rating of A- Rating from AM Best.
•
Launch the activity for growth – marketing, meetings with brokers and
clients, forums.
Unbundling
Launch of
Business
3
3
Dublin as a Domicile
Irish Sovereign State “A+” rated S&P – 05/06/15
Logistics
•
There are excellent transport links from Dublin to all relevant EU major
cities.
Local Expertise
•
•
•
Mature domicile, where over 70 reinsurance companies are based.
Dublin has availability of technical and skilled reinsurance staff.
Ability to attract skilled personnel from continental Europe.
•
Undertakings domiciled in Dublin can benefit from a competitive 12,50 %
tax rate and from Ireland’s double taxation regime.
Fiscal Policy
3
4
A reinsurance service oriented approach
UnipolRe’s service model
Balance Sheet
Protection
Business Model
Leveraging
Group
Resources
•
•
•
•
Highly capitalised.
Low pressure on premium growth.
Group support for SCR coverage of no less than 200.00%.
Prudent Investment Strategy aimed at protection of shareholders funds.
•
•
•
•
•
•
A benchmark reinsurer issuing a quote independent to the Leader.
Providing assistance/support to ceding company concerning their current
structure.
Clients selected with a view to establishing long term relationship.
Multi-class participations.
Service based model.
Offering reinsurance knowhow and services in telematics to the client.
•
•
•
Part of one of the largest European insurance groups: UnipolSai.
Opportunity to strengthen and grow under the Unipol brand.
Leverage Group expertise/knowhow.
3
5
Collaboration to achieve clients objectives
UnipolRe’s Strategic Development
Target
2016 - 2020
2015
Sept 2014
• Confirmed player in Europe and
expanding in Latin America
• Gradual expansion at a European level on all types
of traditional risks
• Offer Telematic products via QS reinsurance
• Proposing reinsurance structuring to the market at the onset of
Solvency II
• Start the operation with a tacit approach based on ‘personal’ contacts and
on a limited number of types of risk
3
6
Questions
3
7
Questions
3
8
Questions
3
9
UnipolRe presentation – ICMIF MORO London Conference 6 June 2016