Risk Management Services
	Reinsurance Capacity (Excess of Loss, Quota Share, and Carve-out coverage).
	Actuarial and Technological Support.
	Individual and Group Underwriting and Training Services.
	Product Design, including Policy Language and Related Documentation.
	Policy Language Review - English and Spanish.
	Large Claims and Premium Review and Analysis.
	Insurance and Reinsurance Premium Rate Development.
	Claims and Managed Care Training.

	Accounting.
	Design and Administration of Reinsurance Contracts and Related Documentation.
	Claims Administration.
	Claims Analysis and Reserving.
	Fiduciary Responsibility.
	English and Spanish Translations.
	Marketing and Sales.

IRM offers Quota Share, Excess of Loss and Carve-out Reinsurance Coverage, designed by our actuaries and underwriters to suit the specific needs of insurance companies for the following insurance programs:

	International and/or Local Major Medical Expenses.
	High Cost Illnesses.
	Group Life.
	Personal Accident plans.

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