by Ekrem Duman | Jun 3, 2026 | Insurance, Reinsurance & Risk Transfer
⚡ TL;DRCatastrophe reinsurance protects insurers against rare, severe events like hurricanes and earthquakes that can trigger thousands of claims at once. Beyond traditional reinsurers, insurers increasingly transfer this risk to capital markets through...
by Ekrem Duman | Jun 3, 2026 | Insurance, Reinsurance & Risk Transfer
⚡ TL;DRReinsurance comes in two arrangements: treaty reinsurance covers a whole portfolio of risks automatically under a pre-agreed contract, while facultative reinsurance covers a single, specific risk negotiated case by case. Treaty is efficient for high volumes of...
by Ekrem Duman | Jun 3, 2026 | Insurance, Reinsurance & Risk Transfer
⚡ TL;DRReinsurance is insurance for insurers. By transferring part of their risk to reinsurers, primary insurers can write more business, stabilize results, protect against catastrophes, and reduce the capital they must hold. It is the invisible backbone that lets the...
by Ekrem Duman | Jun 3, 2026 | Insurance, Insurance Regulation & Compliance
⚡ TL;DRInsurance regulation is layered: international standard-setters promote consistency, regional frameworks like Solvency II set detailed rules, and national supervisors enforce local requirements. Cross-border insurers must satisfy every applicable layer,...
by Ekrem Duman | Jun 3, 2026 | Insurance, Insurance Regulation & Compliance
⚡ TL;DRInsurers face a dense web of compliance obligations beyond solvency: anti-money-laundering and know-your-customer rules, sanctions screening, data-privacy protection, and conduct standards governing fair sales and claims. Failures bring heavy fines and...
by Ekrem Duman | Jun 3, 2026 | Insurance, Insurance Regulation & Compliance
⚡ TL;DRSolvency regulation requires insurers to hold capital matched to their risks so they can pay claims even under stress. Modern risk-based regimes — such as Solvency II and risk-based capital frameworks — define a target capital level and a minimum floor, with...
