In designing a reinsurance program our clients have the flexibility of transferring the morbidity risk exclusively or transferring additional risks which may include lapse, investment and expense. As new business financing is highly desirable under certain circumstances we can provide a program that includes a financing component that fits our clients' financial needs.
We reinsure all Critical Illness products, on a standalone basis or as a rider to a Life policy.
Complementing our team of underwriting experts and medical specialists is our web-based Critical Illness underwriting manual. As part of our extensive services offerings our clients receive facultative consultation and underwriting assistance based on the level of case sizes that best fit their specific needs.