Life Insurances and their Influences on Reinsurances

Maria Vaduva

Annals of the University of Petrosani, Economics, 2009, vol. 9, issue 2, 325-328

Abstract: Life insurance is an insurance concluded for a long period of time and reinsurance shall have to be a long-term reinsurance, otherwise the direct insurer may lose its hedge through reinsurance before the insurance agreement expires or pay an inadequate sum for the reinsurance with the insurance premiums it receives. In the case of life insurances, reinsurance agreements include provisions answering to the direct insurer’s need to benefit from long-term protection. In life insurances, almost all reinsurance agreements are proportional agreements, the greatest weight being held by surplus agreements.

Keywords: life insurance; reinsurance; portfolio; protection (search for similar items in EconPapers)
Date: 2009
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