Products and services

Products and Lines of Businesses

Individual Insurance – Life and Health

Optimum Reassurance reinsures a vast array of risks and products for individuals:

• Life
• Accidental death and dismemberment
• Disability
• Critical illness
• Specialty risks – Accident and health :
  • Travel insurance
  • Insurance for foreign visitors
  • Supplemental health insurance

Group Insurance – Life and Health

Optimum Reassurance reinsures a vast array of risks and products for groups:

• Life
• Accidental death and dismemberment
• Disability
• Critical illness
• Specialty risks – Accident and health :
  • Travel insurance
  • Insurance for expatriates and referral benefits
  • Insurance for foreign visitors
  • Supplemental health insurance
• Insurance for loss of employment

Markets and Distribution

We are serving the markets of insurance companies using the following distribution networks:

Individual Insurance – Life and Health

• Brokerage and captive agencies
• Direct insurance

Group Insurance – Life and Health

• Employers - employees
• Creditors
• Association and affinity groups

Covered Risks

Optimum Reassurance reinsures a wide variety of risks for individual and group insurance:

• Mortality
• Survivorship / longevity
• Accidental mortality and dismemberment
• Disability
• Critical illness
• Hospitalization and medical expenses
• Loss of employment

Reinsurance Solutions

We offer a wide array of reinsurance solutions to assist you in managing your risks:

• Proportional and non-proportional (excess of loss, catastrophe)
• Automatic and facultative
• Quota share and excess shares (layers)
• Coinsurance and risk premium (YRT)
• Experience rated and non experience rated
• Recurring business and inforce blocks

Services Offered

Optimum Reassurance’s experts strive to always remain on top of the market trends and we constantly share pertinent information with our clients. Clients greatly benefit from Optimum Reassurance's expertise by supporting them in the following areas:

• Pricing
• Design of insurance products
  Optimum Reassurance is renowned for its customer focus approach and we strive to assist our clients in designing their products, when needed. We will be pleased to provide you with our best professional advice on such aspects as design features, questionnaires, underwriting requirements, up to contract wording.
• Underwriting of risks
  As a reinsurer, Optimum Reassurance is pleased to share its risk underwriting expertise with clients through its team of experienced underwriters and medical specialists. We are proud to offer our clients both of our proprietary underwriting manuals for life and critical illness insurance.
• Drawing up of reinsurance treaties
• Claim management
• Risk management (audits)
• Reinsurance administration
  Optimum Reassurance uses a high performance reinsurance administration system that is unique in the market. This proprietary system has been built in-house to specifically manage our reinsurance activities. Clients benefit from its excellent ability in managing our diverse reinsurance partnerships. We are recognized in the industry for the quality and reliability of our management and billing reports.

Value Added by Optimum Reassurance

• Renowned professionalism
• Experienced personnel easily accessible to clients
• Strong risk underwriting expertise
• Customized pricing
• Innovative solutions
• Wide variety of products and services offered
• Expert staff in claim management
• Assistance in product design and pricing
• Well diversified retrocession capacity with some partnerships exclusive to Optimum Reassurance
• Retrocession capacity from strong financial institutions with solid credit ratings
• Financial strength sustained through sound management practices
• Constant and profitable growth for more than 25 years
• Rated A- (Excellent) by A.M. Best since 1998