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第1页共7页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第1页共7页WhatisReinsurance?Reinsuranceisinsuranceforinsurancecompanies.Manyinsurersaroundtheworldpurchasereinsurancetoreducetheirexposuretotheriskstheyhaveunderwritteninordertoprovidebetterprotectiontotheirclients.Whiletheconceptmaybesimple,likemostindustries,reinsurancehasaterminologythatcanbedifficulttointerpretforthosewhodonotuseitonadailybasis.AtPartnerRe,wethoughtaglossaryofreinsurancetermsmighthelpde-mystifythebusinessanditslanguage.AcquisitionCostsExpensesincurredbytheinsurerorthereinsurerinassessingbusiness,includingproducercommissionsandbrokerage.AdjustableRateApercentagerateappliedtoacedent’ssumsinsuredorpremiumincomewhichisusedtodeterminethefinalpremiumpayable.AggregateDeductibleAlosslimitwhichisretainedbythecedentandisgraduallyerodedbyfrequencyoflossactivity.AggregateLimitThemaximumsumofrecoveriespayableunderareinsuranceagreement.AlternativeRiskTransfer(ART)Non-traditionalmethodsofinsuranceorreinsurance,forexample,securitization.AssumeThetermusedforacceptingarisk;theoppositeofcede.AttachmentBasisAprovisionthatdetermineswhether,andinwhatmanner,areinsuranceagreementcoversaspecificloss.AttachmentPointInexcessoflossreinsurance,thelosslevelatwhichreinsurersbegintopay.BalanceAreferencepointusedtomeasurepremiumvolumeagainstthemaximumexposureforareinsuranceagreement.BankThesumofthetotalpremiumspaidtoreinsurersoveramulti-yearperiod,lessanylossespaidbyreinsurersonalayer.Forexample,paymentsof$10,000premiumsoverfiveloss-freeyearswouldbecalleda$50,000bank.BrokerMarketWhenbusinessiswrittenthroughreinsuranceintermediaries(brokers),itisreferredtoasbusinessobtainedintheBrokerMarket.BrokerofRecordTheappointedbrokerforacontractualreinsuranceagreement.BurningCostRatioAtoolusedindeterminingratesforexcessoflossreinsurance.Alsocalledthe‘purelosscost’,itistheratioofhistoricalincurredlosses(usuallyexcludingIBNRandindexedtoportfoliogrowth)ofareinsuranceagreementtothesubjectpremium.第2页共7页第1页共7页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第2页共7页CapacityThemaximumdollaramountofexposurethataninsurerorreinsurercanunderwrite.Capacitymaybeusedwhenreferringtoasinglerisk,aprogram,alineofbusinessoranentirebookofbusiness.CaptiveAninsuranceorreinsurancecompany,formedbyalarge,oftenmulti-nationalcorporation,whichinsuresorreinsurestherisksofitsparentcorporation.Mostcaptivesarelocatedintax-advantagedlocations.BermudaistheleadingdomicileforcaptivesfollowedbyCayman,VermontandGuernsey.CasualtyReinsuranceLiabilityorthirdpartybusiness.CatastropheHighseverityeventssuchashurricanes,earthquakesandotherdisasters,involvingmultipleinsuredsand/orlocations.Catastrophereinsuranceindemnifiestheinsurerforportionsofsuchlosses.CedentAninsurancecompanywhichcontractuallytransfers(cedes)aportionofrisktoareinsurer.Thetermcanalsorefertoareinsurerwhichtransfers(cedes)aportionofitsportfoliotoaretrocessionnaire.CedingCommissionThecostsincurredbythecedentinnegotiatingareinsurancecontractincludingoverheadexpenses,taxes,licensesandfees,plusafeerepresentingashareofexpectedprofits,sometimesexpressedasapercentageofthegrossreinsurancepremium.ClashCoverAformofreinsuranceprotectingacedent’sexposuretomultipleretentionsandalargersinglelossthanintendedduetolossesincurredbytwoormoreinsuredsforthesameevent,orclash.CoinsuranceThepartofther...