l****t
发帖数: 77 | 1 请问有在reinsurance broker或者reinsurance公司工作的大牛吗？本人背景health
consulting，最近有一个机会转到P&C reinsurance brokerage，想请教一下两者优劣
。我自己目前能想到的是：
1. 考试，SOA health相对容易，P&C要花多一两年时间
2. 前景，reinsurance broker发展前景较好，回国也可以有的做
3. P&C reinsurance brokerage技术和business sense要求高一些，每一个contract都
是为客户度身定做，比较有趣，兼具insurance和consulting的特点
希望大家可以给点建议，指点一下小弟。非常感谢。 |
|
e*******c
发帖数: 2133 | 2 一般的life reinsurance都是XL on policy basis,就是说比如retention(p&c里叫
attachment point)是5million,那么face amount小于5m的就不再保出去，如果fa大于
5m,就保出去。请问如果是XL on aggregate basis,也叫stop loss insurance,这个一
般怎么model,怎么定价呢？好像stop loss有点像p&c reinsurance的coverage,就是只
管一个layer,比如a/e ratio 110%作为attachment point, 130%作为limit.
还有一般再保险给的价格都是% of VBT table(or other life tables),stop loss的难
道也给这个吗？还是直接给个数...
有劳解答，不胜感激，小弟顿首 |
|
m**********r
发帖数: 1226 | 3 刚搬到nc，买的progressive的保险，以前半年才200多刀，现在保险涨到600刀。今天
突然接到EMAIL说要把我的保险转到reinsurance facility去，主保险人clean record
，无车祸无扣分，不过配偶是permit。大家遇到过这样的问题吗？是否意味着要买其它
公司的保险了。 |
|
l******9
发帖数: 579 | 4 请问， insurance and reinsurance 领域的
top journal , conference 是什麽 ？
移民官青睐的有哪些 ？
谢谢 |
|
I**R
发帖数: 1309 | 5 stop loss is a special type of reinsurance in P&C
it sounds like an colletive risk model. |
|
e*******c
发帖数: 2133 | 6 First of all,actually, some life reinsurance companies do sell this kinda
coverage for protection of statistical fluctuation of number of claims(
frequency); Secondly, it's an collective risk model, and the most widely
used model is Penjer method(compound poisson process and recursive model,
but it has some drawback like p0 is too small for excel to handle if there
are a great number of inforce policies, so it may be feasible to use moments
method to fit a normal, or a mixture of gamma distribut... 阅读全帖 |
|
|
i*********n
发帖数: 5465 | 8 We are downgrading shares of GNW to Underperform from Neutral following the
recent
rally in shares off of the bottom reached in late July/early August of more
than 100% and
over 50% since mid-November. We think that much of the rally has been the
result of
optimism for GNW’s US MI unit as a derivative play on the US housing market
, in addition
to the appointment of former Freddie Mac CEO David Moffett to the board of
directors,
while investors have been less focused on fundamentals in the life... 阅读全帖 |
|
Y*******Y
发帖数: 595 | 9 Reinsurer 这个ID看上去有点像我的同行， 呵呵。 我应该是站内回信的， 可是
Reinsurer的帖子有一定的误导性， 我还是公开回一下吧。Reinsurer提到的“反向选
择”我不知是啥意思， 这个词不在我的training book里， 我就不做置评了。如果我
理解正确的话，Reinsurer还指责我“违反职业道德，违背诚信”， 我想问一下的是：
我给有需要的客户提供及时的保险产品，违反了啥职业道德？而且我说过我这么做我自
己是承担很大的失业风险的。 违背诚信又如何谈起？其实过去两天的客户都很感激我
， 在你需要买保险而恰逢周末大部分agent都关门休息或者为了自保而对你关上这扇们
的时候， 有人为你服务提供及时的保险产品不是很好吗？这种局面甚至都算不上双赢
。 客户肯定是赢家， 而作为agent的我， 虽然生意上有长进， 但却未必是赢家（我
解释过了）。 所以我的利益跟客户的利益是一致的， 我也不希望有坏的事情发生。违
反职业道德，违背诚信从何谈起？我在这里还要跟那些由于公司的限制而无法取得我公
司的保险产品的咨询客户道歉， 但那其实不能算在我们agent的头上。
还有 |
|
g*****g
发帖数: 64 | 10 如果有policy能让保险公司只赚不赔就不能称作保险．大多数大公司的健康保险都是
self-funded plan，但也大多数都会买保险公司的medical stop loss insurance,不然
有几个large claim或者有个流行性的病得病的人多了可能就废了．针对个别人的large
claim的是specific stop loss,争对大面积发病的是aggregate stop loss. 一般公司
都会把两种都买了，或者有的specific stop loss产品加一个aggregate attachment
point.
这样下来提供stop loss的保险公司风险就在attachment point以上的部分，比如如果
时20万的specific attachment point,有个员工有血友病花了150万，公司只需要付20
万，剩下的130万就由保险公司来付．通常保险公司也会reinsure,比如让出(cede)一定
的保费给RGA这些Reinsurance company,把100万以上的部分由reinsurance company来
付． |
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b*****h
发帖数: 3386 | 11 http://www.newsweek.com/id/189917
有兴趣地去看看。
Most of this as-yet-undiscovered problem, Gober says, lies in the area of
reinsurance, whereby one insurance company insures the liabilities of
another so that the latter doesn't have to carry all the risk on its books.
Most major insurance companies use outside firms to reinsure, but the vast
majority of AIG's reinsurance contracts are negotiated internally among its
affiliates, Gober says, and these internal balance sheets don't add up.
。。。。。
Based on |
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s**********l
发帖数: 629 | 12 there is no "standardized" VP title in reinsurance! like I said, other than
consulting, there is basically no standardized title structure anywhere in
direct or reinsurer... but generally (at least for Munich and Swiss), it's
similar to Manager to Senior Manager in Consulting depending on the
experience of the VP.
Are are also a lot of Managers and Senior Managers flying around in
Consulting? Maybe that'll help to answer your question...
reinsurance? |
|
d*****k
发帖数: 93 | 13 P&C consulting in Boston and Philly mostly focus on the traditional
actuarial work such as reserving and ratemaking. Risk consulting and
software segments are more general which cover risk management, predictive
modeling, reinsurance, software products and Life practice as well. Now
after the acquisition of EMB, TW has various commercial software products in
the market for reserving(ResQ), predictive modeling and capital modeling(
Igloo). Cat modeling is traditionally within reinsurance branch (... 阅读全帖 |
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s***h
发帖数: 372 | 14 http://www.economist.com/finance/displaystory.cfm?story_id=1721121
Ronald Grant
Arguments between insurers and reinsurers over the payment of claims are
becoming increasingly acrimonious
A HAPPY marriage needs a bit of give and take. So it was, once, between
insurance companies and the reinsurers to which they lay off risk. In good
times, insurers bought cover for profitable risk, which strictly speaking they
did not need. In bad times, reinsurers reciprocated by paying even
questionable claims. |
|
D*****n
发帖数: 377 | 15 Date Mileage Source Details
04/14/2009 142,253 Holdiman Motors, Inc.
Cedar Falls, IA
319-277-1210
holdimanmotor.com
Maintenance inspection completed
Battery/charging system/starter checked
02/22/2006 109,579 Libertyville Lincoln Mercury
Libertyville, IL
847-367-1700
mercurylincoln.com
Vehicle serviced
05/25/2004 73,273 SouthwestRe
800-634-4333 Reinsure.com
Service contract claim
Vehicle serviced
A/C serviced
03/19/2004 67,320 SouthwestRe
800-634-4333 Reinsure... 阅读全帖 |
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A**l
发帖数: 225 | 16 MBIA to Reinsure $184 Billion Portfolio of Investment Grade U.S. Public
Finance Credits Insured by Financial Guaranty Insurance Company
Wednesday August 27, 4:55 pm ET
ARMONK, N.Y.--(BUSINESS WIRE)--MBIA Inc. (NYSE: MBI - News) today announced
that its insurance subsidiary, MBIA Insurance Corporation (MBIA), has agreed
to reinsure a portfolio of U.S. public finance bonds (the “public finance
portfolio”) insured by Financial Guaranty Insurance Company (FGIC) with
total net par outstanding estimat |
|
u****e
发帖数: 37 | 17 I see no hope. The life insuracne sale side is terrible. Reinsurance
arrangement costs higher because reinsurance companies think the risk is
higher. |
|
w****r
发帖数: 245 | 18 大侠，分类都分好了，求神签
# Basic Materials, Agricultural Chemicals
AGU Agrium Inc.
AVD American Vanguard Corp.
CAGC China Agritech Inc.
CF CF Industries Holdings, Inc.
CGA China Green Agriculture, Inc.
CMP Compass Minerals International
COIN Converted Organics Inc.
IPI Intrepid Potash, Inc.
MON Monsanto Co.
MOS Mosaic Co.
NOEC New Oriental Energy & Chemical
POT Potas... 阅读全帖 |
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D*****T
发帖数: 126 | 19 Exactly. 保险公司再买reinsurance, 保险公司卖保险的premium肯定能cover
reinsurance 的cost |
|
e*******e
发帖数: 879 | 20 Swiss Reinsurance Company transfers risk from closed block of US individual
life reinsurance business to Berkshire Hathaway |
|
d*****k
发帖数: 93 | 21 1. It is better to have some preference and put them in order. You can
express your interest in other area and enthusiasm to learn. It is a honest
answer for entry level (I suppose you are).
Just in case you don't know, Towers Perrin has three big business segments,
HR service, Tillinghast and TP Reinsurance. Retirement and Health welfare
are from HR service, Tillinghast provide actuarial or financial service for
both Life and P/C insurance companies, Reinsurance plays a broker role and
has many |
|
G*****u
发帖数: 1222 | 22 你考过5没有？
改革基本上是这样的：
5，6，7各抽出一部分作为2个module
5，6的计算部分放在一块作为 basic ratemaking and reserving
大部分7和小部分6成了新的regulation and financial reporting
部分6和少许新内容成了advanced reserving, reinsurance and ERM
8,9基本不变，好像顺序换一下
这里是旧考试到新考试的转换
Exam 5 Half Exam on Basic Ratemaking* + Module 1
Exam 6 Half Exam on Basic Reserving* + Exam on Advanced Reserving,
Reinsurance, and ERM
Exam 7 Exam on Regulation and Financial Reporting + Module 2
Exam 8 Exam on Investments and Rate of Return
Exam 9 Exam on Advanced Ratemaking
所以如果你 |
|
m*******g
发帖数: 3044 | 23 Reinsurance company，valuation side.有在在reinsurance 工作的吗？ valuation
和insurance company 有何不同 |
|
e*******c
发帖数: 2133 | 24 I heard that actuaries just play a supportive role in P&C reinsurance
business, and underwriters outnumber and outweigh actuaries; whereas in
life reinsurance field, actuaries are the people who wear the pants. |
|
I**R
发帖数: 1309 | 25
first of all, why saidly ;)
I didn't realize that as I know many friends,life actuaries, working in
reinsurance companies. If this is indeed the case, my guess is that
life side needs less reinsurance coverages as life risks are relatively
easier to price because life table is quite stable. |
|
I**R
发帖数: 1309 | 26 确实，underwriter在再保的定价中比primary insurance company的
underwriter有更大的影响力。这也是reinsurance pricing的困难
和特点所在。但是注意到很多actuary其实在再保公司的role都是
dual capacity。好多reinsurance brokeage公司里面的broker和
managing director也都有actuarial 背景。把两者结合起来是一种
挑战，也是让我非常想尝试的一个path。 |
|
c*******n
发帖数: 75 | 27 How about VP title @ reinsurance? Seem to be a higher portion of VPs than
primary companies too; are VPs also flying all over the place in reinsurance?
helps
so |
|
f**********e
发帖数: 24 | 28 My company is hiring for a reserving actuary. If interested please PM me
your resume.
RESERVING ACTUARY
POSITION DESCRIPTION
Reserving Actuary, Specialty Lines
KEY OBJECTIVES OF POSITION
Reserving for various P&C specialty lines of Insurance and Reinsurance
MAJOR RESPONSIBILITIES
Insurance/reinsurance reserving and communication of results to business
units
Reserving parameterization - annual review and updates of loss development
factors and Initial Expected Loss Ratios (IELRs)
Actuarial analys... 阅读全帖 |
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d****u
发帖数: 1373 | 29 不好意思，避免被站务抽风删贴，标题不写了。三个职位，life insurer，DC附近，感
兴趣的站内。
Assistant Actuary
Objective: Responsible for providing actuarial analysis of new products and
changes to existing
products. Support product implementation and inforce testing.
Background Requirements:
- BS/BA Math/Statistics
- FSA or ASA with expected progression towards Fellowship
- Minimum 5 years actuarial experience
- Life insurance pricing experience
- Pricing software, spreadsheet and database software (MG-ALFA is highly
preferred)
... 阅读全帖 |
|
N***i
发帖数: 2063 | 30 Best-Rated Financial Stocks Updated June 23, 2010
http://www.nasd100.com/2010/06/bestrated-financial-stocks-updated-june-23-2010.html
Ranking | Company (Ticker) | Average Rating Value | Average Rating
1 IRSA Inversiones Representaciones (ADR) (NYSE:IRS) 1.00 Strong Buy
2 Primus Guaranty, Ltd. (NYSE:PRS) 1.00 Strong Buy
3 China Life Insurance Company Ltd. (ADR) (NYSE:LFC) 1.00 Strong Buy
4 National Bank of Greece (ADR) (NYSE:NBG) 1.00 Strong Buy
5 HDFC Bank Limited (ADR) (NYSE:HDB) 1.00 ... 阅读全帖 |
|
u***r
发帖数: 4825 | 31 http://www.economist.com/blogs/graphicdetail/2012/01/daily-char
Daily chart
Natural disasters
Jan 13th 2012, 15:31 by The Economist online
The costliest natural disasters since 1980
THE world has succeeded in making natural disasters less deadly. Annual
death tolls are heavily influenced by outliers, such as Haiti’s earthquake
in 2010 (which killed more than 200,000) or the Bangladeshi cyclones in 1970
(300,000). But, adjusted for the Earth’s growing population, the trend in
death rates is clear... 阅读全帖 |
|
F******t
发帖数: 948 | 32 Relatives of passengers onboard Malaysia Airlines flight MH370
As the search for any wreckage for the missing Malaysia Airlines flight
continues, insurance experts have warned of "divergent" compensation claims,
with the families of U.S. passengers potentially receiving millions more
than their Asian counterparts.
Malaysian Prime Minister Najib Razak said on Monday that Malaysia Airlines
Flight 370 - missing for more than two weeks – was lost "beyond any
reasonable doubt." New satellite data ind... 阅读全帖 |
|
d**z
发帖数: 3577 | 33 Billionaire David Einhorn's Hedge Fund Is Down By 20% In 2015
Billionaire David Einhorn’s terrible year got even worse in November with
his Greenlight Capital hedge fund tumbling by about another 5%. As a result,
Einhorn’s Greelight Capital has fallen by more than 20% in the first
eleven months of 2015, according to the web site of his reinsurance company.
With the U.S. stock market basically flat this year, Einhorn’s returns look
particularly bad and, in a way, represent the general disappointm... 阅读全帖 |
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d**z
发帖数: 3577 | 34 Important Hedge Fund Trends For 2016 And Beyond
1. Reduction of expected returns for a diversified Hedge Fund portfolio.
Hedge fund performance is driven by a combination of alpha (manager skill)
and beta (market driven return). From 2009 to the beginning of last year, as
both the fixed income and equity markets experienced strong bull markets,
beta had been a tail wind for hedge fund performance that rewarded managers
with net long market exposure. Over this time period, investors’ return
exp... 阅读全帖 |
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x**7
发帖数: 285 | 35 仅仅有上面几条规定还远远不够。在此基础上，平价医保法设计了防范负向选择的三大
机制：风险调整（risk adjustment），再保险（reinsurance），以及风险通道（risk
corridor），这三者又常被称为3R机制。下面我们逐一加以介绍。
五、3R机制：风险调整、再保险与风险通道
先说风险调整。这一机制的目的是防止保险公司利用其它方式暗渡陈仓，只收健康人参
保。具体做法是对于保险计划的每个参保人，根据一套联邦制定的标准事先打分，进行
“风险评定”。分数越高的人，说明身体状况越差，可能使用的医疗费用越多。某个保
险计划如果参保人的平均分值太低的则说明该计划内健康人比例过高，这样的计划将被
收取一笔费用以补贴健康人比例相应不足的其他保险计划。换句话说，风险调整机制使
得保险公司挑选健康参保人变的没有意义，即便挑到了一群健康人，也会产生额外费用
而让好处化为乌有。
再保险和风险通道机制的目的则都是为了帮助保险公司顺利度过医改最初的危险期。话
说任何新的保险制度推出之初也是最容易出问题的阶段。在这个时期负向选择压力会因
为两个原因而格外大：
首先，并没有任何经验可以预知到底会有... 阅读全帖 |
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a******9
发帖数: 20431 | 36 reinsurance呢
：加州史上死伤人数最高、房舍毁损最惨重的山林大火，上个月不但夺走数十条生命，
数以千计民众流离失所，现在连保险公司都成了受害者。
： |
|
l****z
发帖数: 29846 | 37 94：0，参议院一致投票反对奥巴马的否决，要求加强对伊朗流氓政权的经济制裁
Senate Votes 94-0 to Override Obama on Iran Sanctions
The Senate approved new economic sanctions on Iran on Friday, overriding
objections from the White House that the legislation could undercut existing
efforts to rein in Iran’s nuclear ambitions.
The Senate voted 94-0 to impose additional U.S. financial penalties on
foreign businesses and banks involved in Iran’s energy, ports, shipping and
shipbuilding sectors, and impose sanctions on metals trade with Ir... 阅读全帖 |
|
l****z
发帖数: 29846 | 38 ObamaCare is entering its dreaded ‘death spiral’
By Betsy McCaughey
October 19, 2015 | 7:46pm
ObamaCare is heading toward a death spiral.
The Obama administration is having trouble selling insurance plans to
healthy people. That’s a big problem: When the young and healthy don’t
enroll, premiums have to be hiked to cover the costs of older, sicker people
, discouraging even more young people from signing up.
Last Thursday, the administration predicted enrollment for 2016 will be less
than half wh... 阅读全帖 |
|
|
x*******a
发帖数: 11067 | 40 不知道有没有人发过，公司HR发的，感觉写的比较清楚。发这儿，有兴趣的筒子们可以看看。
2010
New Programs:
Temporary retiree reinsurance program is established
National risk pool is created, small business tax credit is established
$250 rebate for Medicare members who reach the ”doughnut hole”
Insurance Reforms:
Prohibits lifetime benefit limits – based on dollar amounts
Allows restricted annual limits on the dollar value of certain benefits
Coverage rescissions/cancellations are prohibited (except for fraud or
intentional misrepresentati |
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s*******n
发帖数: 2828 | 41 The government of Japan created the "Japanese Earthquake Reinsurance" scheme
in 1966, and the scheme has been revised several times since.[1][2]
Homeowners may buy earthquake insurance from an insurance company as an
optional rider to a fire insurance policy.[3] Insurers enrolled in the JER
scheme who have to pay earthquake claims to homeowners share the risk among
themselves and also the government, through the JER. The government pays a
much larger proportion of the claims if a single earthqua... 阅读全帖 |
|
g********d
发帖数: 19244 | 42 PREMIUM CAR RENTAL PROTECTION DETAILS
Premium Car Rental Protection (PCRP) is insurance coverage offered by
American Express Travel Related Services Company, Inc. to help protect
American Express Cardmembers and Passengers when the Cardmember uses an
enrolled Card to pay for a Car Rental from a Rental Company. Coverage
includes 1) reimbursement for damage to or theft of the Rental Auto and
personal property, and 2) medical expenses and death and dismemberment
benefits resulting from a Covered Ac... 阅读全帖 |
|
k*********5
发帖数: 1417 | 43 今天加入了amex的租车计划
不过有两个选项
Amount of Theft/Damage Coverage* Premium (per rental)
Up to $100,000 $24.95
Up to $75,000 $19.95
请问这其中到底有什么区别啊
不是说只能租不超过5万的车么？
那是Up to $100,000 $24.95的不超过5万？那19.95的最多能租多少价值的车呢？
这个5万是怎么弄出来的？
还有看了他家的解释
是不是这两个的区别主要在于不同价值的人身保险和财产保险？
PREMIUM CAR RENTAL PROTECTION DETAILS
Premium Car Rental Protection (PCRP) is an insurance product offered by
American Express® Travel Related Services Company, Inc. to help protect
American Express Cardmembers and Passengers when the Cardmemb... 阅读全帖 |
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a****t
发帖数: 1056 | 44 SBLI 这个 life insurance 怎么样？
1M, 20 years term, monthly premium is about $40
如果保险公司破产，那怎么办， 他们有没有reInsurace,如果他们没有reinsurance,我
是不是之前就白交了？
如果我选择不交了， 是不是之前就白交了？ |
|
a****t
发帖数: 1056 | 45 SBLI 这个 life insurance 怎么样？
1M, 20 years term, monthly premium is about $40
如果保险公司破产，那怎么办， 他们有没有reInsurace,如果他们没有reinsurance,我
是不是之前就白交了？
如果我选择不交了， 是不是之前就白交了？ |
|
|
a****t
发帖数: 1056 | 47 SBLI 这个 life insurance 怎么样？
1M, 20 years term, monthly premium is about $40
如果保险公司破产，那怎么办， 他们有没有reInsurace,如果他们没有reinsurance,我
是不是之前就白交了？
如果我选择不交了， 是不是之前就白交了？ |
|
m*****8
发帖数: 146 | 48 你买的人寿保险都是比较保险的。因为保险公司支持单纯保险业务的投资都是很保守的
，这个都是有REGULATION的，非常严格。就象AIG出事的时候，他们的保险业务还是很
好的，出毛病的是投资部门， 所谓REINSURANCE是保险公司为了分散自己的风险他们自
己买给自己的保险，跟你不太有关系。这个公司规模不大，但已经存在了上百年了，产
品单一，只有TERM和WHOLE LIFE，几乎不做那种和股票市场有关的产品，象UNIVERSAL
LIFE，VARIABLE LIFE, 所以还比较稳妥。并且他们的RATE算是业内的领头了，主打业
务就是TERM。还有BANNER这个保险，你也可以看看，他们是竞争者，有的时候BANNER的
RATE会更好一些。
你买TERM，就是保一定的时间，你是对的 如果你交了一段时间，然后不交了，那就是
白交了，也不能说白交了，你交的这段时间是被保的，你买的就是这段保期。当然年轻
和年老的MORTALITY是不一样的，从这个意义上这是比较不划算的。
我是很赞同买保险的，一看那种孩子没了，老人来美国还得需要捐款，或是家里的
BREAD WINNER没了，留下孤儿寡母大... 阅读全帖 |
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l******t
发帖数: 55733 | 49
那是reinsurance。这个是保险上的保险 |
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l******t
发帖数: 55733 | 50
那是reinsurance。这个是保险上的保险 |
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