EFuturesCFO · Insurance Suite
Reinsurance Strategy & Cost Optimizer
Model your reinsurance program structure — quota share, surplus, per-risk excess, cat XoL — and optimize the trade-off between risk transfer cost and capital protection.
Executive Summary
Program Structure
Cat Scenarios
Optimization Levers
Methodology
Quota Share cost ≈ Ceded Premium × (1 − Ceding Commission). Cat XoL cost = Limit × Rate-on-Line. Net retention after QS. Cat recovery = min(max(PML − Retention, 0), Limit). Capital at risk = Net cat loss ÷ Surplus. Cost of capital relief vs reinsurance spend drives optimization. Peer reinsurance cost: 4-8% of GWP.