Advanced Reinsurance
Reinsurance Calculator
Calculate ceded premiums, retention, and reinsurance costs for insurers.
📋 Portfolio Details
Total Premiums Written
$
Risk Retention (Self-retained)
$
Amount of risk kept by the insurer
🔄 Reinsurance Structure
Reinsurance Rate
%
Rate charged by reinsurer
Reinsurance Type
Proportional = shared risk, Non-Proportional = excess of loss
📊 Claims & Layers
Expected Claims Ratio
%
Expected claims as percentage of premiums
Excess Layer (Non-Proportional)
$
Excess layer for non-proportional reinsurance
Ceded
0%
Ceded Premium
$0
premium transferred
Net Premiums
$0
Ceded Premium
$0
Reinsurance Commission
$0
Net Claims Liability
$0
📊 Reinsurance Breakdown
| Component | Amount | % of Premiums |
|---|
How the formula works
Ceded Premium = (Premiums − Retention) × Rate | Net Premiums = Premiums − Ceded Premium
- Retention = Amount of risk the insurer keeps
- Ceded Premium = Premium transferred to reinsurer
- Proportional = Reinsurer takes a percentage of each risk
- Non-Proportional = Reinsurer covers losses above a threshold (excess layer)
- Reinsurance Commission = Amount paid by reinsurer to insurer (usually 20-40%)
- Net Claims = Insurer's liability after reinsurance