Infinite Risk has extensive experience in structured insurance vehicles. Our experience in product design, marketing and management provide the client with expert attention in cell captive formation, taxation, capital markets, loss modeling and more.
Structured insurance vehicles have evolved in response to corporate risk management strategies that could not be accommodated by conventional insurance markets. Insurance facilities are tailored to the specific requirements of the client, with underwriting surpluses being returned where claims do not materialise.
By carefully applying actuarial principles and other forecasting models, we quantify critical risk areas, and develop recommendations for reducing, financing or transferring risk in a number of fields.
In structuring an insurance solution to address the company’s funding requirements, we investigate the use of either a short-term or long-term cell captives. The choice is determined by management objectives.
A life insurance structure may provide either a lump-sum benefit or an ongoing annuity payment on the occurrence of an insured event. In the case of specific health risks, this may be on diagnosis of the condition, on meeting specific criteria (stages of the disease), on (ill-health) retirement or on death. The goal would be to match the benefits with the costs of the programme over the remaining productive life of the insured.