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Group Basic / Group Voluntary AD&D Reinsurance
As a specialist in the Group Basic/Group Voluntary Accidental Death & Dismemberment (AD&D) field, Sutton Reinsurance can offer competitive rates and specialized expert advice on product design. Often times Sutton Reinsurance will reinsure 100% of the AD&D risk thus allowing the insurer to focus on servicing their client’s needs with respect to core group benefits.
Product need and use:
An insurance company may require AD&D reinsurance when the Basic coverage alone or in combination with other coverages (e.g. Voluntary and Business Travel) exceeds their maximum retention per person. Also, when high limits/low rates are involved, the insurer may simply want to reinsure a share of the AD&D risk. The insurer may also require underwriting assistance or 100% support on a benefit that they do not write.