SEGREGATED ACCOUNTS COMPANIES ACE CAPABILITIES: AN OVERVIEW

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1 SEGREGATED ACCOUNTS COMPANIES CAPABILITIES: AN OVERVIEW

2 SIMPLICITY OUT OF COMPLEXITY SEGREGATED ACCOUNTS CAPABILITIES Managing yor own risks jst got simpler. In recent years, increasing reglation has led to a level of complexity and cost that has made it difficlt for insrance byers to participate in their own insrance programs. As a reslt, byers are looking for alternative risk soltions that will achieve their aims withot committing nnecessary resorces. has the answer. To assist or clients, Grop has two segregated accont or protected cell insrance companies: Paget Reinsrance Ltd. (Paget Re) - a Bermda registered Class 3 segregated accont company Pembroke Reinsrance Inc. (Pembroke Re) a Delaware licensed protected cell company Both Paget Re and Pembroke Re are wholly owned Grop sbsidiaries. These facilities provide the benefits of an owned captive insrance company withot the Insred bearing the administrative, capital and governance costs and responsibilities. What cold be simpler? To simplify the process we have strctred Paget Re and Pembroke Re so that: Minimal capital is reqired Formation of new sbsidiary or legal entity is not reqired Start p costs are eliminated (legal, advisory, incorporation) Annal costs are generally lower than wholly owned captives Shareholding is optional THE ADVANTAGES OF MANAGING YOUR OWN RISKS Managing yor own risks throgh Paget Re or Pembroke Re allows yo greater control over yor insrance programs. Benefits created are: Redction in yor overall risk costs Coverage for yor ninsred risks Participation in yor nderwriting reslts Access to reinsrance markets Earned investment income THE ADVANTAGE SELECTING THE RIGHT PARTNER These owned facilities provide clients with a nmber of additional advantages, inclding: s ability to efficiently manage global insrance programs s global presence with local operations in 54 contries Access to s global claims management services s service standards and breadth of expertise Partnership with a leading global insrance and reinsrance organization s ability to cstomize programs arond individal client needs No legal entity to rn-off in the event strategies or risk appetite changes Minimal governance within an established reglatory environment Compliance reqirements are handled by the management team Stattory filings are not reqired for each cell owner Assets are invested in conservative instrments Assets and liabilities of each client are legally segregated

3 SEGREGATED ACCOUNTS CAPABILITIES How does it work? The relationship between Paget Re or Pembroke Re and or client is governed by one agreement. This agreement sets ot the services that will be provided and describes how all pertinent details sch as fnding, distribtion of profits and investments will be handled. The agreement reqires that the risk gap, defined as the difference between net ceded premim and the maximm projected loss, mst be flly collateralized. Direct Program When it is legally possible for a segregated accont to isse a direct insrance contract, this strctre may prove to be the most efficient. Insred - Collateral - Policy Underwriting reslts & investment income Fronted & Reinsred Program This is a very common strctre where fronts the program and reinsres the chosen share to Paget Re or Pembroke Re. Insred - Premim - fees - Policy Reinsrance agreement -Collateral Reslts distribtion Reinsrance agreement - Premims Non Fronted & Reinsred Program Paget Re and Pembroke Re benefit from being a member of the Grop, however is not always the best fit for all insreds risks. This strctre illstrates how Paget Re and Pembroke Re work with insrers and reinsrers otside the Grop to maximize a program s flexibility. Corporate Insred Premim less acqisition costs Fronting Insrer -Collateral Claims Premim less fronting fees and local taxes Investment income and nderwriting reslts Stop loss premim Retrocessionaire

4 SEGREGATED ACCOUNTS CAPABILITIES Is Paget Re or Pembroke Re right for yo? Paget Re and Pembroke Re are licensed to write all lines of insrance. Clients who participate in segregated accont strctres tend to have common characteristics sch as: Programs with good loss experience Programs with predictable losses Financially secre owners Long-term commitment to risk management Agency/MGA Program This strctre illstrates how a Managing General Agent can assme risk in a program it manages. Insred 1 Insred 2 Insred 3 Insred 4 Insred 5 Insred 6 Insred 7 Insred 8 Insred 9 Agency/MGA - - Isse policy management - Reinsrance agreement - Loss reimbrsement Shareholder Agreement Indemnity Collateral Reslts & investment income distribted - Stop loss agreement reimbrsement Retrocessionaire Mlti-National Program In this strctre, local Companies can isse policies in the five contries that the mlti-national operates., Paget Re and Pembroke Re are also acceptable reinsrers. US Mlti-National Sb Contry A Sb Contry B Sb Contry C Sb Contry D Sb Contry E Shareholder Agreement Indemnity Collateral Reslts & investment income distribted Local Companies A B C D E - Master Policy for US and Grop Risks - - Isse policy - Liaise with TPA or manage claims internally - Reinsrance agreement reimbrsement - Acconting - Reglatory compliance - Investment The diagrams set forth above are for illstrative prposes only. The actal strctre of a segregated accont program will depend on the details of each transaction and, as sch, may vary from the diagrams set forth above.

5 Abot Grop Paget Reinsrance Ltd. and Pembroke Reinsrance Inc. are members of the Grop. Grop is one of the world s largest mltiline property and casalty insrers. With operations in 54 contries, provides commercial property and casalty insrance, personal accident and spplemental health insrance, reinsrance and life insrance to a diverse grop of clients. With more than $94 billion in assets and nearly $23 billion of gross written premims in 2013, s core operating insrance companies maintain financial strength ratings of AA (Very Strong) from Standard & Poor s and A++ (Sperior) from A.M. Best. The company is distingished by its broad prodct and service capabilities, exceptional financial strength, nderwriting and claims handling expertise and local operations globally. Limited, the parent company of the Grop, is listed on the New York Stock Exchange (NYSE: ) and is a component of the S&P 500 index. Additional information can be fond at acegrop.com. The information contained in this docment is intended for general marketing prposes and information only. For terms and conditions of coverage, please refer to the specific policy wording. CONTACT US Paget Reinsrance Ltd. & Pembroke Reinsrance Inc. Bilding 17 Woodborne Avene Hamilton HM08 Bermda Richard M. Keane Vice President, Alternative Risk Tel: +1 (441) Copyright 2014, Grop. All rights reserved.

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