Today, our Life and Annuity clients are challenged to achieve attractive, profitable business growth in an economic environment characterized by low interest rates, volatile asset returns and policies with high minimum interest guarantees, while expense and resource pressures continue to mount.

Max Bermuda has access to attractive financial efficiencies and provides business solutions that enable our clients to redeploy capital to invest in growth, and improve ROE. Simultaneously, our customers’ results are stabilized and operational servicing requirements can be outsourced to third party administrators chosen by product line with a “best in class” approach.

We carefully review and analyze the ceding client’s risk management, operations, product design, marketing and medical underwriting practices in deciding whether our solutions provide a fit to our customer’s needs. We seek to in crease the stability and predictability of the underlying risks reinsured through:

• Rigorous actuarial and modeling evaluations.
• Extensive due diligence conducted on-site by outside experts that are leaders in the business to be evaluated.
• Analysis of historical performance data for the client, comparing it to the industry as a whole.
• A complete review of the non-actuarial business risks in the exposure to be reinsured.

Our Life and Annuity business in cludes reserve buy-outs of life, health, annuity and disability products and is focused on existing blocks of business. By focusing on the reinsurance of existing blocks of business, we have a distinct advantage—access to more information and statistical experience data relevant to the actual performance of the liabilities and assets to be transferred. Our underwriting aims to achieve highly predictable and stable results. This, in turn, enables Max Bermuda and clients to benefit from the unique investment allocation and spread management capabilities of our alternative asset strategies.

With the increased focus on counter party credit risks, most of our transactions include reserve credit collateral and other financial enhancement structures to further stabilize our clients’ financials. Max Re has become a recognized name and respected counter-party in the insurance and reinsurance markets throughout North America and Europe.

Europe represents an economic zone of significant scale with the growing benefits of the single currency, and provides Max Bermuda with diversification from its substantial North American focus.

All the major macro themes that drive insurance markets throughout the world—operational effectiveness, efficient use of capital, merger and acquisition activity, and the need to harmonize these themes with strong financial ratings—are heightening interest in the transactions we support. Our goal is to serve the demands of our existing and future clients with the most efficient and competitive solutions in the corporate reinsurance market.