Products

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:

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(Comprehensive) Major Medical Insurance

Covers

  • Local and/or International
  • Individual or Group
  • International Students and Expatriate Workers
  • High Cost Illness
  • Medical Expenses for International Travelers
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Group Life

Covers

  • Death
  • Accidental Death & Dismemberment
  • Group accidental death
  • Credit Life
  • Permanent and Total Disability (PTD)
  • Waiver of Premiums Due to PTD
  • Funeral Expenses
  • Terminal Illness Payment
  • Special Risks
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Key-man Life / Disability Insurance

Provides crucial benefits to protect the company financially in the event that a key employee either dies or can no longer work due to a disability.

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Trip Risk Exposure Accumulation Insurance

Provides protection against large aggregate losses from a single event.

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Life Portfolio Stop Loss Insurance

Provides the coverage to limit the company’s claim losses to a specified amount.

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Critical Illness Insurance

Provides a lump sum payment if the policyholder is diagnosed with one of the specific illnesses named in the policy.

 
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Long Term Care Due to Accident

Covers the policyholder’s expenses in the event that he or she needs assistance or care, due to convalescence as a result of an accident.

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Hospital Indemnity

Provides a daily cash payment during hospital confinement, resulting from a covered accident or sickness.

We’re located at
800 NW 62nd Ave (Waterford Way), Suite 550,
Miami, Florida 33126-5051 USA

Get in touch with us!
Email: irm@irmre.com
Phone: 305.507.8679

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