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WHAT IS Re[Nfq]?
A tool for modelling and optimising proportional life and accident reinsurance programmes.
Statistically, it is based on Monte Carlo, performing millions of simulations of individual risks in the Cloud.
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WHAT DOES RE[NFQ] OFFER?
In Nfq | Insurance we help insurance companies to reduce costs in their financial protection (reinsurance). Our approach allows you to improve risk management in an efficient and personalized way, saving money without losing security.
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UTILITY FOR CUSTOMERS
LOWER COSTS, SAME CONTROL
Re[Nfq] helps insurers reduce their reinsurance costs without losing stability. Our tool optimizes protection programs in life and accident insurance, ensuring that risks are kept within the limits defined by the company, at the lowest possible cost.
Guaranteed savings, without compromising safety.
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WHY Re[Nfq]?
In many life and casualty insurers, reinsurance programs remain unchanged for years or even decades,
although the customer portfolio is growing at double-digit rates.
The problem?
As the portfolio grows, the share of risk that is transferred to the reinsurer should decrease, but this is not always the case. As a result, many insurers end up giving up more premiums than necessary, generating profits excessive for reinsurers.
Key facts
There are reinsurance programs where reinsurers earn more than 30% or even 40% of the volume of premiums ceded as profit. In proportional reinsurance, a margin greater than 15%-20% is already considered excessive.
How does Re[Nfq] help?
Our methodology allows us to calculate the optimal reinsurance program, maximizing profitability without compromising safety.
- Feasibility: Even if the insurer has a limited claims history, it is possible to optimize its reinsurance program.
- Speed: Our process is much more agile than traditional methods.
- Pay for success: We can work with a Success Fee model, where the remuneration is based on the savings achieved.
- Reduced cost: Implementing this analysis with Re[Nfq] is much cheaper than doing it through brokers or reinsurers. In addition, our analysis is independent.
Lower costs, more control and better results with Re[Nfq].
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HOW MUCH CAN I SAVE?
Our experience tells us that between 30% and 50% of the reinsurance taken out by life and accident insurers is not
really necessary. This means that the cost of reinsurance can be reduced in the same proportion, optimizing the programs
without affecting the financial security of the company.
Paying only for what is necessary is possible with Re[Nfq].
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