AI Agents

Context

Built for insurance within the Reinsurance Coordination stack and owned by Reinsurance and Actuarial teams, this agent focuses on one critical control point: checking that the retained share of each risk or portfolio segment sits within treaty limits and your internal retention rules, before and after cessions. It is designed for Tier 1–2 insurers and composite groups where reinsurance programs are complex and the cost of mis-retention shows up directly in volatility, capital charges, and avoidable losses.

What it does

The agent takes in the structured view of a risk or portfolio slice—sum insured, line size, layer structure, treaty program attached, facultative placements if any—and compares the proposed retained amount against the applicable treaty limits and internal retention policies. It validates that retention does not exceed maximums, respects minimums where defined, and aligns with product, region, and line-of-business guidelines. When it finds a breach, it flags the case with a clear explanation (which rule was hit, by how much the retention is off, and on which contract or layer) and can propose adjustments to cession percentages to bring the risk back within the acceptable band. The outcome is a simple, auditable “pass / adjust” decision written back into the reinsurance or underwriting workspace so users see immediately whether the retention is valid before binding or booking.

Core AI functions

At its core, this agent does calculation plus rules: it applies deterministic treaty structures and documented internal retention rules on top of program and risk data, calculates actual retained amounts at policy or layer level, and reconciles them against the allowed ranges. The intelligence lies in consistently mapping the right combination of treaty, layer, product, region, and policy into the correct rule set, and explaining the result in a way underwriters and reinsurance technicians can understand and act on without redoing the math.

Problem solved

Without this agent, retention checks are often manual and spreadsheet-driven, relying on local knowledge of program structure and individual discipline. That is exactly where over- or under-retention errors slip in: too much risk kept net when it should have been ceded, or too much ceded when internal rules expected a higher retention. Both outcomes are undesirable—one increases volatility and potential losses, the other leaves reinsurance capacity underused or misaligned with the intended risk appetite. The agent replaces these ad hoc checks with a standardised, system-level control.

Business impact.

The primary impact is correct risk retention and fewer costly mistakes. Retained amounts line up with treaty design and internal policy, reducing surprise losses from over-retention and ensuring the reinsurance program is used as intended. Over time, this supports a cleaner risk profile, more stable results, and fewer post-event disputes about what should have been ceded. It also reduces rework for reinsurance operations because fewer policies and layers need to be corrected after the fact, and gives management better comfort that retention limits are being respected in day-to-day business, not just on paper.

Integration and adjacent use cases

Integration complexity is low to medium: the agent needs access to policy and exposure data, reinsurance program structures, and the internal repository of retention rules by product, region, and line of business, plus a way to write its validation and explanations back into the underwriting or reinsurance system of record.

Common combinations in this stack:

• Cession Eligibility Checker to determine which risks are even eligible for cession under treaties before retention is validated;

• Reinsurance Treaty Cross-Referencer to link each policy or claim back to the precise treaty clauses and program structures that define the applicable limits;

• Claim Sharing Agreement Trigger Agent to identify when and how claim sharing should be activated under treaties and agreements once a loss occurs; and

• Reinsurer Notification & Documentation Assistant to assemble and send the required documentation packets to reinsurers so that validated retentions and cessions translate into timely, well-supported recoveries.

Together, these agents turn reinsurance coordination into an end-to-end, consistent flow from eligibility and retention checks through treaty referencing, claim sharing, and reinsurer communication.