Collins' broker team for clients in the life and accident & health (A&H) fields combines depth of experience with access to the analytical tools and services needed to help meet emerging new challenges. We provide reinsurance placement and advisory services for such primary product lines as:

• Group life/accidental death and dismemberment (AD&D)
• Individual medical
• Fully insured group medical
• Self-funded group medical
• HMOs and managed care
• Provider groups
• Workers' compensation/occupational accident
• Short-term, student, association and accident medical,
• Individual life
• Personal accident
• Individual and group disability
• Ancillary products, for example, dental, vision and drug coverages

Our analytical services are being applied to assist life and A&H insurers in determining their tolerances for reinsurance retentions and, as a result, develop the most cost-effective reinsurance programs. Other analyses have assessed concentrations of risk in insurer portfolios, or provided mortality studies that gauge the effects of an aging population or such emerging factors as pandemics and terrorism.

With offices in Bermuda and London, Collins can provide insurers immediate access to the international markets and reinsurance underwriters with the capacity and interest in reinsuring life and A&H insurance companies. We can learn quickly, through in-person contacts, of possible underwriter interest in reinsurance submissions.