Accident and Health Insurance
ACE works closely with sponsoring partners to offer insurance protection to their employees, members and customers.
ACE's local accident and health (A and H) experts can partner with organizations of any size to develop supplemental insurance programs that add value to their employee, member and customer relationships and can potentially offer an income opportunity for the organization.
Key products include:
- Personal accident coverage, including accidental death and disability (AD and D)
- Supplemental health and disability insurance, including hospital income, critical illness, cancer, and disability
- Travel insurance – business and leisure
- Student accident insurance, including international travel and study abroad
- Global medical insurance: short-term accident and sickness coverage for employees traveling outside their home country or country of permanent assignment, as well as benefits for lost baggage and personal effects
- Employee benefits, such as voluntary AD and D, travel, occupational accident, stop-loss medical, critical illness, dental and vision programs
- Payment protection – credit life, disability, and unemployment
We partner with a range of businesses and organizations, including:
- Small, medium, and large employers, including multinationals
- Financial institutions - for example, ACE has delivered A and H products to customers of a major global credit card company for nearly 40 years
- Colleges, universities, and other institutions of higher learning
- Affinity groups, including associations, clubs, societies, labor unions, sports teams, and volunteer groups
- Airlines, cruise lines, travel agencies, and tour operators
- A range of industries, including retailing, publishing, oil and natural gas, utilities, and telecommunications (including mobile network operators)
This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverages may not be available in all jurisdictions and may be available only through appropriately licensed brokers. Refer to the Licensing Information document for a chart of the jurisdictions in which each ACE Group subsidiary is licensed.
Life Insurance
ACE Life provides traditional life insurance protection and savings and investment products to groups in Asia, Latin America, the Middle East and Europe.
ACE Life operates in over 30 countries, with a significant presence in the following locations:
| China Hong Kong Indonesia Korea Taiwan Thailand Vietnam | Brazil Chile Colombia Mexico Europe Middle East and Africa |
Use our Worldwide Locator for ACE offices in your area.
Contact ACE for more information.
ACE Life serves the needs of consumers through a variety of distribution channels including agency, bancassurance, brokers and direct marketing. Working with our distribution partners, our highly dedicated professionals underwrite policies based on clients’ specific needs, provide high-quality service and continually develop new products to meet the changing needs of our diverse customers.
ACE Life offers an array of life insurance products:
- Protection products for individuals including whole life, term life and specialized protection including credit life and accident
- Savings and investment products including endowment, universal life and annuity
- Riders including accidental death, accidental disability, dread disease, cancer and critical illness
- Employee benefits including group life, accidental and health and medical
Agency
ACE’s professional life insurance agents work with customers to provide the appropriate protection and savings life insurance solutions for themselves and their families.
Through programs such as ACE’s Success Track, our agents have the knowledge and understanding to serve customers in the way they expect and deserve.
Banks (Bancassurance)
Banking institutions and insurance companies have found bancassurance to be an attractive and profitable complement to their existing products. Our bancassurance distribution channel provides tailor-made products to suit the banking customer base.
We offer banks the opportunity to increase their customer retention and revenue by providing valuable financial solutions for their customers, including:
- Savings-oriented life insurance, such as fixed rate and investment-linked products
- Credit life protection plans
- Mortgage insurance
- Personal accident insurance
Group Direct/Worksite Marketing
ACE Life works with brokers, employers, associations and sponsors to tailor life insurance solutions best suited for employees, members, and other affinity-based customers.
Our specialists work with employers and sponsors to design a customized education program and voluntary benefit products. We also handle the enrollment of group members in an efficient manner, allowing clients to concentrate on their business.
This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverages may not be available in all jurisdictions and may be available only through appropriately licensed brokers. Refer to the Licensing Information document for a chart of the jurisdictions in which each ACE Group subsidiary is licensed.
- North America
- Bermuda
- Canada
- Puerto Rico
- United States
- Africa and The Middle East
- MENA Regional Site
- Bahrain
- Egypt
- Pakistan
- Saudi Arabia
- South Africa
- United Arab Emirates
- Asia Pacific
- Australia
- China
- Hong Kong
- India
- Indonesia
- Japan
- Korea Life
- Korea Non-Life
- Macao
- Malaysia
- New Zealand
- Philippines
- Singapore
- Taiwan Life
- Taiwan Non-Life
- Thailand
- Vietnam
Reinsurance
ACE Tempest Re is a leading global multi-line reinsurer, providing a broad range of products to a diverse array of primary property and casualty companies.
Our deep underwriting, actuarial, and claims expertise in property catastrophe reinsurance and other diversified lines enables us to tailor solutions to meet the unique and often complex needs of each client. We work through reinsurance intermediaries to provide a wide range of reinsurance products for a diverse range of clients.
ACE Tempest Re can also tailor reinsurance solutions to meet your unique needs.
Reinsurance Product Lines
Accident and Health Reinsurance – Each program is tailored to bundle traditional coverage with non-traditional benefits and features.
Agriculture Reinsurance – We offer a limited portfolio of agricultural reinsurance consisting mainly of named perils on growing crops. Our offerings for the agriculture industry includes aggregate excess of loss for named perils on growing crops in selected areas and quota share arrangements with event limits.
Automobile Reinsurance – Expertise and significant capacity to all types of cedants dealing in automobile insurance, including quota share and excess of loss products.
Captive Programs Reinsurance – ACE can provide administrative support, primary reinsurance policies, cash flow management, risk control services, and claims management services in most locations worldwide. Captive program product highlights include:
- Large account casualty captive programs
- Rent-a-captive, designed for companies that want the benefits of a captive without contributing the required start-up capital and organizational outlays
- Protected cell rent-a-captive, an alternative form of rent-a-captive designed to create and enhance risk financing opportunities and provide new forms of alternative risk transfer protection
Casualty/Liability Reinsurance – Capacity and expertise in all areas of casualty and liability, including general, excess and surplus, umbrella, and specialty coverages.
Marine Reinsurance – Based on our extensive, long-term experience in international markets, we provide a broad range of marine treaty products, on both a proportional and non-proportional basis, addressing:
- Cargo and inland transit
- Specie
- Fine art
- Hull and pleasure craft
- Energy, including offshore and onshore
- Liability
- War and political risks
Professional Risk Liability and Directors and Officers Liability Reinsurance – We offer treaty solutions designed to provide tailor-made coverage for a diversity of professional liability classes, full transparency of rating methodology, and a close partnership with cedants to provide best-fit solutions for any portfolio.
Property Catastrophe Reinsurance – Sophisticated catastrophe simulation models allow us to appraise the exposure faced by the client. With this information we are able to determine creative and flexible catastrophe cover in a variety of different forms: including
- Catastrophe occurrence excess of loss
- Catastrophe aggregate excess of loss
- Proportional catastrophe treaties
- Reinstatement premium protection coverages
- Second- and third-event coverages
- Catastrophe bonds
- Industry loss warranty coverages
Surety and Fidelity – We focus on meeting the needs of a variety of surety companies including national, regional, small, and start-up operations. Key products offer coverage for risks involving contract surety, non-hazardous commercial surety, commercial crime, ERISA, community bank programs, and employee theft.
Workers Compensation Reinsurance – We offer significant workers compensation capacity. Our extensive reinsurance offerings are available primarily in the United States Canada, Japan, and Europe as well as in other countries.
Life Reinsurance – ACE Tempest Life Re provides solutions to the complex risk and capital management challenges facing life insurers around the globe. The company’s team of actuaries applies state-of-the-art modeling techniques and dynamic financial analyses to design innovative reinsurance solutions that assist clients with their life and annuity business challenges.
ACE Tempest Life Re specializes in niche markets such as multifaceted risks, including elements of financial, behavioral, mortality, and longevity risk.
This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverages may not be available in all jurisdictions and may be available only through appropriately licensed brokers. Refer to the Licensing Information document for a chart of the jurisdictions in which each ACE Group subsidiary is licensed.
Solutions for Small and Mid-sized Enterprises
ACE provides an extensive range of products and solutions designed for small and mid-sized businesses with local, national or global exposures.
Use our Worldwide Locator for ACE offices in your area.
Visit the ACE Commercial Risk Services website for small business products and solutions in North America.
Contact ACE for more information.
In every corner of the world, small and mid-sized businesses represent the majority of companies operating in a country or region. These enterprises operate over a range of sectors and help fuel local economies and add to their vibrancy. We offer packaged policies as well as solutions that can be tailored to suit a particular product segment, multiple lines of coverage or specific distribution channels using advanced systems to efficiently transact large volumes of business.
Core products and services for small businesses include:
- Disaster protection
- Casualty insurance, including international casualty
- Environmental insurance
- Inland marine insurance
- Professional risk insurance
- Medical risk insurance
- Package policies
- Claims and risk management services
Our products for small business are offered through retail agents and brokers, wholesale brokers, program agents and other alternative distribution models.
This general product description is informational only
. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverages may not be available in all jurisdictions and may be available only through appropriately licensed brokers. Refer to the Licensing Information document for a chart of the jurisdictions in which each ACE Group subsidiary is licensed.
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
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