Structured non-proportional coverage designed to protect cedents against severe loss events, optimize solvency capital, and smooth earnings volatility through precision-layered treaties.
Excess of Loss (XoL) reinsurance triggers when a cedent's losses exceed a predetermined retention or attachment point. Aevum Zenth structures multi-layer XoL programs tailored to your portfolio's risk profile, regulatory capital requirements, and earnings volatility targets.
Reduce Solvency II / RBC capital charges by transferring tail risk. Our XoL structures are calibrated to maximize capital relief while preserving profitable book growth.
Mitigate the impact of large losses and catastrophe events. Stabilize quarterly results and maintain dividend consistency for shareholders and regulators.
Custom retention levels aligned with your underwriting appetite. From per-occurrence ILW to financial excess, we structure layers that match your risk tolerance.
Access multi-national syndicate capacity, ILS capital markets, and corporate balance sheet through a single point of execution with Aevum Zenth.
Select from industry-standard or bespoke XoL configurations designed for property, casualty, specialty, or financial lines portfolios.
Covers aggregate losses from a single event (e.g., hurricane, earthquake, major liability claim) once the attachment point is breached. Ideal for catastrophe risk transfer.
Incurred Loss Within coverage protects against large individual policy losses across lines. Triggered when a single risk loss exceeds retention, regardless of occurrence.
Capital market-linked structures that optimize balance sheet metrics, provide loan collateral, or facilitate regulatory capital management without traditional indemnity claims.
Our structured underwriting process ensures transparent pricing, precise layer alignment, and rapid deployment of capacity.
Historical loss modeling, exposure mapping, and capital impact assessment.
Define attachment points, limits, terms, and exclusions aligned with risk appetite.
Syndicate formation, ILS capital allocation, and treaty execution.
Automated loss notification, claims administration, and quarterly actuarial reporting.
Leverage Aevum Zenth's proprietary catastrophe modeling engines, AI-driven loss forecasting, and stress-testing frameworks. We price XoL programs using granular exposure data, not just historical aggregates.
Connect with our dedicated Reinsurance Underwriting team. We provide confidential treaty quotations, capital modeling support, and multi-layer placement within 5-7 business days.
Available for cedents, brokers, and risk managers across all lines of business.