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Why Choose AIG for Global Fronting & Captive Management Insurance?

There are times when companies face challenges that the traditional insurance or financial markets may not address effectively. Capacity may be limited. Significant risk retention may be required. Market conditions may be volatile. There may be a need for locally issued insurance policies. These are just a few examples of the challenges our global fronting programmes can help meet.

AIG helps companies address non-traditional exposures by providing highly customised fronting programmes that apply insurance and/or capital market strategies. In addition, we provide captive management and advisory services regarding the feasibility, formation and management of captives, and offer cell captive facilities.

We partner with each client to understand its objectives, identify and analyse its risks and custom-design a programme to support its business strategy. Clients can choose from a wide range of innovative programmes that offer varying levels of risk retention and/or risk financing. Our programmes extend to all types of exposures and industries - providing solutions that deliver our expertise and global capabilities.

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The AIG Advantage

Captives

An insurance or reinsurance company formed primarily to insure its owner(s) and affiliated companies. We offer a complete range of services regarding the feasibility, structuring, formation, and management of captives with an in-depth understanding of each domicile’s regulatory requirements and local business practices. Rent-a-captives through AIG’s cell captive facilities provide simple, cost-effective risk retention solutions.

Captive Management and Consulting Services

We provide a complete range of services regarding the feasibility, structuring, formation, and management of captives with an in-depth understanding of each domicile’s regulatory requirements and local business practices.

Rent-A-Captive (RAC)

A client "rents" a segregated cell within a sponsored captive facility. Clients without a captive can experience many of its benefits through participation in AIG’s own captive cell facilities in Vermont and Bermuda.

Indemnity programmes

A programme in which the client retains ultimate financial risk within a defined layer by agreeing to indemnify the insurer for all losses and other amounts paid in respect of that layer.

AIG's Solutions

  • Large commercial companies
  • Financial Institutions
  • Growing middle market companies
  • Multinational corporations

  • Evaluating the possibility of retaining risk in order to benefit from positive loss experience
  • Experiencing an above average risk profile that is not properly reflected in the market prices for traditional insurance
  • Pursuing more efficient access to the reinsurance markets
  • Seeking to expand the use of an existing captive, rent-a-captive, or other protected cell structure to insure all or part of a risk
  • Requiring evidence of insurance for regulatory, disclosure, financing, marketing, trading, or counterparty needs
  • Facing a specific problem for which there is no clear or viable risk transfer solution
  • Seeking greater certainty and flexibility on coverage and premium through varying market cycles
  • Confronting significantly increased retentions or premiums
  • Challenged with high attachment points due to poor loss experience or market conditions
  • Experiencing restricted coverage due to adverse industry claim trends
  • Encountering a situation where current market conditions or shifting underwriting capacity are limiting availability of risk transfer
  • Experiencing inefficiencies with their multinational programmes/operations
  • Making improvements in loss control efforts that have not yet materialised in historic data

  • Over 100 years experience in providing global fronting solutions leveraging AIG’s network of owned operations in over 90 countries, supported wherever required by local insurance partners
  • Over 20 years of delivering non-traditional solutions to our clients’ unique risks, using innovative structured (re)insurance solutions
  • A market leader providing non-traditional insurance and reinsurance solutions
  • Unique deal team culture bringing together underwriters, actuaries, lawyers, accountants, credit officers, claims professionals and operational specialists
  • Technical expertise to cover risks for which there is no conventional insurance market
  • Ability to analyse complex and unique risks
  • A history of partnering with clients to truly understand their business needs to provide innovative risk transfer and risk financing solutions
  • Superior servicing and claims handling, reporting, and management
  • In-depth knowledge and advice on programme structure, coverage, and regulations
  • Full access to AIG’s multinational policy issuance capabilities and expertise controlling multi-currency cash flows
  • Access to the resources of the AIG organisation, including significant risk-bearing and risk financing capacity
  • Ability to insure virtually all lines of business
  • Extensive product customisation ability
  • Broad flexibility in type of exposure, class of risk, and type of coverage (e.g., insurance, reinsurance, loans, or other financial products)
  • (Re)insurance to ring-fence liabilities (e.g., liability buyouts, portfolio transfers, captive redomiciliations)
  • Seamless policies that cover multiple risks within a single integrated programme
  • Regional fronting expertise and ability to meet local regulatory requirements
  • Full range of captive management and protected cell services

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