What We Do

ACE conducts a comprehensive and balanced review of the entire life reinsurance portfolio. This review will:

  • Ensure data integrity
  • Verify compliance with treaty provisions, and
  • Identify premium overpayments/underpayments and verify that life and waiver benefits are being properly recovered
  • Be conducted either on-site or remotely.


Some of the areas reviewed are highlighted below and are designed to:

  • Ensure that the company is maintaining its full retention on all in-force polices.
  • Determine that conversions are being properly processed using the original issue age and duration and not attained age and original duration.
  • Ensure that underwriting class (table rating and smoking status) is properly reflected on the reinsurance master file.
  • Verify that premium rates on the reinsurance system are in accordance with reinsurance treaties and that reinsurance premium and allowances are being properly calculated.
  • Verify that reinsurance NAAR is properly stated in accordance with the relevant treaty provisions.
  • Ensure that the company is properly recovering life and waiver benefits.