| 摘要 |
<p>An insurance product and method for providing financial assurance against an occurrence of a specified event, are described. An insurer provides an insurance policy having a risk limit, in exchange for a predetermined first premium from the insured entity (10). The risk limit is the maximum monetary risk. The insurer transfers a variable portion of the risk limit to a reinsurer, preferable a captive of the insured, in exchange for a predetermined second premium (20). The variable portion of the risk limit decreases over time, and equals a predetermined retainment point less a variable attachment point. The retainment point is a monetary amount less than the risk limit, and the variable attachment point varies over time based n a predetermined investment growth. The reinsurer may transfer its risk to a third party reinsurer for a premium, where the third party reinsurer acts as an administrator for an insurance pool (30).</p> |
