A Resseguradora agregando valor à
Seguradora
Ronald Kaufmann / Stafford Thompson
SCOR Global Life
Junho/2012
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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
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O papel do Ressegurador
• Também:
– Inovação de produtos
– Capacitação profissional
– “Financiamento”
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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
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SCOR Reinsurance Model
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SCOR Reinsurance Model

Traditional Reinsurance
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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
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Expected Profits
1. Before Reinsurance
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1
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2. After Reinsurance: Less volatility, profit
reduced (= traditional view), but there is a
capital release.
3. After Reinsurance: Re-investment of released
capital in profitable new business leads to
increased profits
Volatility of Profits
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SCOR Value Proposition

Client Services
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Strategy, Business Models and Distribution
1
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
Actuarial
2
Support product development; Conduct mortality & persistency studies; Support new product
approval process with local Insurance Regulators; Optimization of reinsurance program. etc
Underwriting
3
UW Manual; Underwriting of facultative & service opinion cases; Support in designing
application and health forms / questionnaires; Review of best practice underwriting rules &
guidelines. etc
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Claims
4
Support in claims assessment; Review of the claims process; Establish a best practice claims
handling; Support in the development of claims forms. etc
Operations and Administration
5
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
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SCOR Value Proposition

Value-Added Solutions
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Value-Added Solutions
Value-Added Solutions
•
Product Development
•
New Business Financing
•
Mass Marketing Solutions
•
Middle Market Solutions
•
High Net Worth Products
•
Capital Solutions
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Thank you!!!
Ronald Kaufmann
Stafford Thompson
-
[email protected]
[email protected]
SCOR Global Life Americas Reinsurance Company
Escritório de Representação no Brasil
+55 (11) 5501 1510
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