Methods and Systems for Strategically Managing Insurance and Reinsurance Policies on Risk Adjusted Basis

摘要

Systems and methods for providing insurance and reinsurance policies suitable for allocating a bundle(s) of warehoused risk and benefits for multi-year policies. The insurance originators present invention of the present invention offer an accumulated plurality of multi-year policies to reinsurers after an initial time period has elapsed. During the initial time period the insurance originators bear one-hundred percent of the risk while receiving one-hundred percent of the insurance premiums. After the initial time period the insurance originators share the risk and premiums with reinsurers on a pro-rata basis or disproportionate. Additionally, the present invention enables reinsurers the ability participate in one or a number of bundles of risks accumulated by the insurance company.