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International Benefits Management (IBM)

Introduction and Use of International Pooling Programs to Increase International Dividends

An international pooling system* is a mechanism whereby overseas insurance companies collaborate to create a network and use re-insurance programs to generate international dividends for companies. Each international pooling network has its own unique characteristics, and it is important to select which network will be used after conducting a comparison. Expert knowledge is also needed when negotiating terms.

Mercer Marsh Benefits uses international pooling program specialists to negotiate policy terms, analyze pooling financial statements, periodically review insurance subject to re-insurance, and provide other services.

* International Pooling Programs

General Compensation Programs for Absence from Work

Impact on Local Insurance Policies

Reinsurance to pools has absolutely no impact on local insurance premiums or domestic dividend amounts.

90-Day Exclusion Period


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