Reinsurance for pension funds & associations

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AXA's reinsurance solutions for pension funds and associations can be tailored precisely to your needs. Far from simply insuring the risks of death and disability, our services also offer you the best possible support in all other areas.

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Our reinsurance options for you

Take advantage of reinsurance tailored to your regulations

Do you want reinsurance aligned with your current pension fund regulations that allows you to benefit from long-term cost efficiency and control? Our individual solutions offer you both: they can be adapted to suit your regulations while remaining cost-effective and easy to manage.
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Occupational benefits insurance for members of your association

Would you like to offer your association's members a low-cost, efficient pension fund solution? Whether you serve SMEs or self-employed people, we have just what you need.
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Who needs reinsurance?

The law allows occupational benefits schemes to choose whether they bear these risks themselves or transfer them to an insurer. Reinsurance of occupational benefits is suited to pension funds and associations that want to cover the risks of death and disability either partially or in line with their actual needs. Various factors determine which insurance benefits need to be reinsured: the pension fund's structure, how much administration it can perform itself, and how it is managed.

What types of reinsurance are there?

Pension funds and associations that want to transfer their risks have two main reinsurance options. It is important to weigh up the pros and cons of each one carefully.

Peak risks

Peak risks can be covered if the number of insured persons is large enough and the finances are available to allow this. In this case, the pension provider opts to bear some of the risk itself. This works rather like health insurance, where the insured person chooses a deductible and has to pay his or her own treatment costs up to that amount. The lower the deductible, the greater the delegated risk and therefore the higher the premium.

Reinsurance in line with your regulations

Another option is reinsurance in line with your regulations, which means that the benefits provided for in the regulations in the event of death or disability are fully reinsured.

In each case, solutions need to be worked out that fit your occupational benefits scheme's current situation. Why not contact us to arrange a consultation? We'll be glad to assist you.

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