ReAct - Actuarial and Analysis Services for the Insurance Industry

In an increasingly sophisticated business environment, it is important to have high quality, relevant analysis.

ReAct is the actuarial and analytical team of the Reinsurance Division of HSBC Insurance Brokers. Based in London, we have a breadth of analytical experience in many territories and classes of insurance and reinsurance. Working as an integral part of our broking teams, we aim to impart analytical advice that is commercially aware.

Risk and capital management
Risk and capital are closely linked. Risk affects both the cost of capital and the required amount of capital. For any risk, an insurer faces two decisions:
- Should the risk be transferred or retained?
- Should this be done on or off the balance sheet?

Catastrophe modelling and portfolio management

Catastrophe models can be used for a range of purposes, including calculating catastrophe charges for original business, monitoring accumulations of exposure, and evaluating and pricing reinsurance. We can help you extract maximum value from these models and advise on how to improve your data capture process, a factor that is often ignored, but can be significant.

Reinsurance structuring
We can advise on how to structure your reinsurance to achieve the desired level of risk transfer and to retain the existing diversification benefit within your business. HSBC Insurance Brokers recognises the importance of understanding the underwriting and rating processes of reinsurers. We use this knowledge to anticipate market rates and obtain attractive terms.