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A Resseguradora agregando valor à Seguradora

A Resseguradora agregando valor à Seguradora. Ronald Kaufmann / Stafford Thompson SCOR Global Life Junho/2012. O papel do Ressegurador. Gerenciamento de Riscos Estabilizar limites de perdas Reduzir os acúmulos de exposição aos riscos Evitar perdas de riscos não prováveis

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A Resseguradora agregando valor à Seguradora

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  1. A Resseguradora agregando valor à Seguradora Ronald Kaufmann / Stafford Thompson SCOR Global Life Junho/2012

  2. O papel do Ressegurador • Gerenciamento de Riscos • Estabilizar limites de perdas • Reduzir os acúmulos de exposição aos riscos • Evitar perdas de riscos não prováveis • Fornecer “conhecimento” • Para assumir novos negócios de valores superiores as suas retenções sem criar incremento de capitais básicos para solvência • Para aceitar riscos de subscrição sofisticada • Para precificar riscos • Para garantir liquidez e solvência

  3. O papel do Ressegurador • Também: • Inovação de produtos • Capacitação profissional • “Financiamento”

  4. Como participa o Ressegurador? • Conhecimento e Capacidade • Gerenciamento de Riscos: curto e longo prazo • Gerenciamento de Indenizações • “Financiamentos” • Distribuição: canais alternativos de comercialização (e.g.: Marketing Direto) • Operações: underwriting, gestão de sinistros, simplificação de processos de emissão (e.g.: TeleUnderwriting) • Produtos: desenvolvimento de linhas de negócios “simples” (vida e AP) como também complexos (Doenças Graves, Dependência de Longo Prazo, Longevidade) • “Start up” e Solvência

  5. SCOR Reinsurance Model

  6. SCOR Reinsurance Model • Traditional Reinsurance

  7. Traditional Reinsurance Value of Traditional Reinsurance Increase Capacity – sell more business with the same resources Reduce Volatility of earnings and financial strength Use Capital and Resources in other lines of business Improve Knowledge of new lines of business More Access to client services Ultimately increases profitability

  8. 1. Before Reinsurance 3 2. After Reinsurance: Less volatility, profit reduced (= traditional view), but there is a capital release. 1 ExpectedProfits 3. After Reinsurance: Re-investment of released capital in profitable new business leads to increased profits 2 Volatility of Profits

  9. SCOR Value Proposition • Client Services

  10. Strategy, Business Models and Distribution • Due to our worldwide presence & strong business relationship with Life Insurance Companies we can give support in reviewing: • Business Strategies and Plans; • Different Operating Business Models; • Multi-Channel Distribution Strategy. etc 1 • Actuarial Support product development; Conduct mortality & persistency studies; Support new product approval process with local Insurance Regulators; Optimization of reinsurance program. etc 2 • Underwriting UW Manual; Underwriting of facultative & service opinion cases; Support in designing application and health forms / questionnaires; Review of best practice underwriting rules & guidelines. etc 3

  11. Claims Support in claims assessment; Review of the claims process; Establish a best practice claims handling; Support in the development of claims forms. etc 4 • Operations and Administration Reviewing the administrative procedures of reinsurance; Consulting customers and demonstrating the most efficient way to submit information to the reinsurer; Aid in the development of reinsurance contracts. etc 5

  12. SCOR Value Proposition • Value-Added Solutions

  13. Value-Added Solutions Value-Added Solutions Product Development New Business Financing Mass Marketing Solutions Middle Market Solutions High Net Worth Products Capital Solutions

  14. Thank you!!! Ronald Kaufmann - rkaufmann@scor.com Stafford Thompson - sthompson@scor.com SCOR Global Life Americas Reinsurance Company Escritório de Representação no Brasil +55 (11) 5501 1510

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