Pinnacle's Reinsurance Practice team is ready to address customer demand for more reinsurance assistance. Our team’s experience positions Pinnacle to help clients refine their reinsurance strategy. Our integrated approach to reinsurance helps clients maximize business opportunities without accepting undue risk.

Services for Buyers

• Evaluation and optimization of the reinsurance program’s risk-reward relationship. For example, Pinnacle will review property value accumulations for catastrophe exposure and develop an integrated strategy for marketing, underwriting, pricing and business planning.
• Analysis of ceded reinsurance programs for risk transfer.
• Presentation of the insurer’s program to the reinsurance market by developing reinsurance submissions that provide effective information to the reinsurance community. This includes evaluating major shifts in underwriting, pricing or claims handling processes.
• Development of internal reinsurance programs to allow companies to operate with a higher retention at the corporate level than at the profit-center level.

Services to Sellers

• Evaluation of reserve adequacy and results relative to industry benchmarks and trends. Pinnacle’s approach incorporates the following:
  • Facilitation of business decisions by integrating pricing, reserving, underwriting and claims insights into overall analysis.
  • Extensive database and analysis of benchmark industry data.
  • Analysis of loss development, pricing and loss trend cycles.
  • Analysis of the impact of changing mix and quality of new and renewal business on insurer and reinsurer results.
  • Individual analysis of large treaties including trends in insurer pricing, case reserve adequacy and speed of payment.
• Pricing support for individual treaty or facultative account pricing and provide benchmark loss ratios, loss development factors and increased limits factors by line, state or class of business. Evaluate the effectiveness of the primary company’s rate structures including the use of credit scoring and multivariate analysis. Audit implementation.
  • As an increasing proportion of personal and commercial lines carriers implement refined rating mechanisms to segment markets, the remaining insurers are increasingly subject to adverse selection and under-performance relative to other carriers.
• Analyze assumed and ceded reinsurance programs for risk transfer.
• Evaluate and optimize the risk-reward relationship of the reinsurer’s net results after retrocessions.
• Provide business research to support strategic decisions. For example, results for Medical Malpractice have fluctuated significantly over the last several years. Pinnacle has provided research support on the medical malpractice market including the effects of tort reform for three states in various stages of crisis and produced an annotated bibliography of articles addressing medical malpractice tort reform trends as part of research undertaken for the Professional Liability Underwriting Society. More information is available on Pinnacle’s website.
• Litigation Support.

To learn more about how Pinnacle’s reinsurance practice helps insurers and reinsurers make better business decisions, contact us at info@pinnacleactuaries.com or (309) 665-5010.

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