Ruark Insurance Advisors, Inc. (RIA) provides full service reinsurance intermediary services, specializing in the annuity market.  We represent the ceding insurance company.  Products covered include variable annuities, indexed annuities, fixed annuities and payout annuities.

The process starts with our insurance company client, during which we:

• Evaluate needs
• Discuss alternative solutions
• Create reinsurance program structure
• Evaluate risk transfer requirements
• Recommend appropriate pricing levels

Once a reinsurance program is created that is likely to meet the needs of our client, we bring it to the reinsurance marketplace.  We have excellent relationships with reinsurers in various jurisdictions, including the U.S. and Bermuda.  RIA assists with development of the treaty document.

As is customary, our brokerage fees are paid by the reinsurer.  We have always practiced full disclosure of our fees to our clients.

After reinsurance is placed, we maintain strong involvement on an ongoing basis, providing administrative relief to the ceding company and adding confidence to the accuracy and timeliness of data reporting.  These complimentary administrative services include:

• Accuracy scrubbing of monthly data files
• Creation of premium and claim accounting reports
• Preparation of any needed treaty amendments
• Annual review tracking treaty experience vs. original expectations

Please contact us for additional information:

New programs – Rich Tucker or Tim Paris

Treaty Administration – Inger Harrington