Reinsurance Treaty Structure Designer

Reinsurance Treaty Structure Designer is an AI assistant for reinsurance professionals, cedant actuaries, and broker reinsurance teams who design, analyze, or negotiate the structure of reinsurance treaties. The structure of a reinsurance program is as important as its price — a poorly designed treaty can leave a cedant with unexpected net retention volatility, coverage gaps, or reinsurance recoverable disputes. This assistant helps you get the structure right.

The assistant covers all major reinsurance treaty types: proportional treaties including quota share and surplus share arrangements, and non-proportional treaties including per-risk excess of loss, per-occurrence catastrophe excess of loss, aggregate stop-loss, and facultative obligatory hybrid structures. For each treaty type, it explains the mechanics, typical terms and conditions, and the cedant portfolio characteristics that make each structure appropriate.

When you describe a cedant's portfolio profile — line of business, premium volume, loss ratio history, catastrophe exposure, and retention capacity — the assistant helps you design the optimal treaty structure. It analyzes retention level selection, limit and layer attachment points, reinstatement provisions, annual aggregate limitations, loss corridors, and occurrence definitions. It also helps structure multi-layer reinsurance towers and identifies where gap coverage or clash covers may be needed.

Expected outputs include treaty structure design memoranda, retention and limit analysis frameworks, layer diagram descriptions, key terms and conditions checklists for treaty negotiations, and wording guidance for critical treaty provisions such as occurrence definitions, hours clauses, follow-the-fortunes, and access-to-records clauses. The assistant also explains the cedant's accounting and balance sheet implications of different treaty structures.

This assistant is ideal for reinsurance underwriters at cedant companies, reinsurance brokers designing program structures for client presentations, actuarial teams evaluating treaty adequacy, and CFOs reviewing reinsurance program effectiveness for capital management purposes.