Products

Generali USA offers a wide variety of reinsurance solutions to solve our customers’ many unique business challenges.  We can tailor any of these products to fit an insurer’s specific needs for risk management.  Our customers appreciate our hands-on approach to minimizing their risk, as well as their costs.  Our products include:

Group Life and AD&D Reinsurance
Generali USA helps companies to minimize their risk exposure with our Group Life and AD&D Reinsurance.  We also help reduce volatility on a per-person (or per-occurrence) basis, by creating a customized reinsurance structure that is appropriate for our customer’s specific business.

Personal Accident Reinsurance
Generali USA protects our clients against high-risk exposure with our popular Personal Accident Reinsurance product.  We can provide reinsurance for such widely diverse scenarios as 24-Hour AD&D, Voluntary AD&D, and Business Travel AD&D.

Accidental Death Carve Out Reinsurance
This product is specifically targeted at removing the most volatile accidental death risks from an insurer’s portfolio, and gives many of our customers peace of mind.  Accidental Death Carve Out reinsurance covers the accidental death aspect of the underlying group (or individual) policies for the company.

Bulk ADB Reinsurance
Generali USA offers additional support to our customers with our Bulk ADB Reinsurance.  This product is typically provided on a proportional basis, and will protect Accidental Death Benefit Riders that are normally sold in conjunction with Ordinary Life policies.

Abnormal Mortality Stop Loss Reinsurance
Generali USA helps reduce companies’ net retained exposure from adverse mortality in any given year with our Abnormal Mortality Stop Loss Reinsurance.  This product is created by projecting expected claims for the next period, using past claims experience.  With this product, reinsurance is purchased in excess of a predetermined attachment point.