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Every new RI-TOOL account comes pre-loaded with a complete reinsurance reference framework, working examples of complex clauses formalised across actuary graphs, and statement-of-account templates ready to instantiate on your first contract.

Each new RI-TOOL account comes ready with reinsurance clause examples, actuary graphs and SOA templates drawn from real treaty practice. The Profit Commission clause covers five graph structures — bottom-up cascade, sliding scale, loss corridor, carry-forward accumulation and LOOKUP rate application. The Reinstatement Premium, Funds Withheld, Interest on Funds Withheld and Loss Participation clauses complete the proportional and non-proportional treaty toolkit. Three SOA statement templates wire directly to these actuary graphs via FORMULA links, producing technical accounts from day one.

52
Reference entries
families · treaty types<br>value types · dimensions
18
Actuary graphs
126 nodes · 131 links
3
SOA templates
32 statement lines

Profit Commission with Stabilisation

TREATY_PROP5 graphs · 43 nodes total

Contractual wording
A Profit Commission shall be payable by the Reinsurer to the Cedant, calculated as a percentage of the technical profit generated under this Treaty, after deduction of a management expense loading and carry-forward of any deficit from prior periods, subject to a loss corridor where applicable. The applicable rate may follow a sliding scale based on the combined ratio of the Treaty year.

G1 — Bottom-up cascade

🔵 7 nodes→ 6 links
FACTORPLUSFACTORMINUSMINUSMINUSINPUTEarned PremiumAMOUNTINPUTIncurred LossesAMOUNTINPUTManagement LoadingAMOUNTINPUTCF DeficitAMOUNTDIFFERENCETechnical ResultAMOUNTCONSTANTPC RateRATEPRODUCTProfit CommissionAMOUNT
CONSTANTDIFFERENCEINPUTPRODUCT

G2 — SUM central + zero floor

🔵 13 nodes→ 14 links
PLUSFACTORNUMERATORFACTORPLUSPLUSFACTORMINUSFACTORDENOMINATORFACTORMINUSFACTORMINUSINPUTEarned PremiumAMOUNTINPUTIncurred LossesAMOUNTINPUTManagement LoadingAMOUNTINPUTCF DeficitAMOUNTSUMNet Commissionabl…AMOUNTCONSTANTZero FloorAMOUNTIFNet Base ≥ ZeroAMOUNTTHENCommissionable Ba…AMOUNTELSENo Commission BaseAMOUNTCONSTANTPC RateRATEQUOTIENTNormalised PC RateRATIOCONSTANTDivisor 100COEFFICIENTPRODUCTProfit CommissionAMOUNT
CONSTANTELSEIFINPUTPRODUCTQUOTIENTSUMTHEN

G3 — Loss Corridor + CF Sub-graph

🔵 14 nodes→ 21 links
FACTORFACTORFACTORNUMERATORPLUSFACTORPLUSFACTORDENOMINATORFACTORPLUSPLUSFACTORMINUSMINUSPLUSMINUSMINUSMINUSMINUSINPUTEarned PremiumAMOUNTINPUTIncurred LossesAMOUNTQUOTIENTLoss RatioRATIOCONSTANTCorridor FloorRATECONSTANTCorridor CapRATECONSTANTCorridor RateRATEPRODUCTCorridor Loss Adj…AMOUNTINPUTManagement LoadingAMOUNTINPUTCarry Forward Def…AMOUNTIFLoss Ratio in Cor…RATIOTHENAdj. Technical Re…AMOUNTELSEStandard Technica…AMOUNTCONSTANTPC RateRATEPRODUCTProfit CommissionAMOUNTSUMCarry Forward Def…AMOUNT
🔗 This graph includes a cross-graph link — a node from a separate sub-graph contributes to the computation.
CONSTANTELSEIFINPUTPRODUCTQUOTIENTTHEN

G4 — Sliding scale via LOOKUP

🔵 5 nodes→ 5 links
NUMERATORARGUMENTFACTORDENOMINATORFACTORINPUTEarned PremiumAMOUNTINPUTIncurred LossesAMOUNTQUOTIENTLoss RatioRATIOLOOKUPPC RateRATEPRODUCTProfit CommissionAMOUNT
INPUTLOOKUPPRODUCTQUOTIENT

G_CF — Cumulated Carry-Forward

🔵 4 nodes→ 3 links
PLUSPLUSPLUSINPUTDeficit Year N-1AMOUNTINPUTDeficit Year N-2AMOUNTINPUTDeficit Year N-3AMOUNTSUMCarry Forward Def…AMOUNT
INPUTSUM

Reinstatement Premium

FAC_XLTREATY_XL4 graphs · 24 nodes total

Contractual wording
Following each loss occurrence that erodes the limit of this Treaty, the cover shall be automatically reinstated up to the original limit. The number of reinstatements available and the premium payable therefor shall be as specified in the applicable variant: (A) Free and Unlimited — reinstatement is free of charge and unlimited in number, no additional premium is due; (B) Paid, Pro Rata Temporis — reinstatement premium is calculated pro rata temporis of the unexpired portion of the Treaty year at the date of loss occurrence, applied to the Original Reinsurance Premium at 100% of the annual rate, unlimited in number; (C) Paid, Pro Rata, Limited to N — as per variant B with the number of reinstatements limited to N occurrences per Treaty year as specified in the Schedule, cover is not restored once N reinstatements are exhausted; (D) Paid, Rate on Line — reinstatement premium determined by a Rate on Line drawn from a schedule indexed to the Treaty Loss Ratio at the date of reinstatement, applied to the Original Reinsurance Premium.

G5 — Reinstatement Free & Unlimited

🔵 1 nodes→ 0 links
CONSTANTReinstatement Pre…AMOUNT
CONSTANT

G6 — Reinstatement Paid, Pro Rata Temporis

🔵 6 nodes→ 5 links
NUMERATORFACTORFACTORDENOMINATORFACTORINPUTOriginal RI Premi…AMOUNTINPUTUnexpired DaysCOUNTCONSTANTTreaty DaysCOUNTCONSTANTReinstatement RateRATEQUOTIENTPro Rata FactorRATIOPRODUCTReinstatement Pre…AMOUNT
CONSTANTINPUTPRODUCTQUOTIENT

G7 — Reinstatement Premium, Pro Rata, Limited N

🔵 12 nodes→ 11 links
FACTORPLUSFACTORNUMERATORDENOMINATORFACTORPLUSFACTORFACTORFACTORFACTORINPUTOriginal RI Premi…AMOUNTINPUTUnexpired DaysCOUNTCONSTANTTreaty DaysCOUNTCONSTANTReinstatement RateRATEQUOTIENTPro Rata FactorRATIOPRODUCTPro Rata PremiumAMOUNTINPUTReinstatements Us…COUNTCONSTANTMax ReinstatementsCOUNTCONSTANTZeroAMOUNTIFReinstatements Us…AMOUNTTHENReinstatement Pre…AMOUNTELSELimit Exhausted —…AMOUNT
CONSTANTELSEIFINPUTPRODUCTQUOTIENTTHEN

G8 — Reinstatement Paid, Rate on Line

🔵 5 nodes→ 5 links
FACTORARGUMENTNUMERATORDENOMINATORFACTORINPUTRI PremiumAMOUNTINPUTIncurred LossesAMOUNTQUOTIENTTreaty Loss RatioRATIOLOOKUPROL RateRATEPRODUCTReinstatement Pre…AMOUNT
INPUTLOOKUPPRODUCTQUOTIENT

Funds Withheld

FAC_XLTREATY_PROPTREATY_XL2 graphs · 12 nodes total

Contractual wording
The Ceding Company shall retain, as fiduciary of the Reinsurer, the reinsurance premium due hereunder on a funds withheld basis. The Funds Withheld Balance shall equal the premium retained, less any losses paid by the Reinsurer and offset against the account, subject to a floor of zero. The Reinsurer shall consider such amount as a receivable on its books.

G10 — Funds Withheld, Partial + Loss Offset

🔵 9 nodes→ 10 links
FACTORPLUSFACTORPLUSFACTORFACTORPLUSMINUSFACTORFACTORINPUTEarned PremiumAMOUNTCONSTANTWithheld RateRATEPRODUCTGross WithheldAMOUNTINPUTLosses PaidAMOUNTDIFFERENCENet BalanceAMOUNTCONSTANTZero FloorAMOUNTIFNet Balance ≥ ZeroAMOUNTTHENFunds Withheld Ba…AMOUNTELSEFunds Withheld — …AMOUNT
CONSTANTDIFFERENCEELSEIFINPUTPRODUCTTHEN

G9 — Funds Withheld, Full Premium

🔵 3 nodes→ 2 links
FACTORFACTORINPUTEarned PremiumAMOUNTCONSTANTWithheld RateRATEPRODUCTFunds Withheld Ba…AMOUNT
CONSTANTINPUTPRODUCT

Interest on Funds Withheld

FAC_XLTREATY_PROPTREATY_XL3 graphs · 19 nodes total

Contractual wording
In consideration of the Ceding Company retaining the Funds Withheld Balance, the Ceding Company shall credit interest thereon at the rate specified herein. The applicable rate may be fixed contractually, or determined by reference to a market index plus a contractual spread, subject in either case to a maximum rate cap where specified.

G11 — Interest, Fixed Rate

🔵 6 nodes→ 5 links
FACTORNUMERATORDENOMINATORFACTORFACTORINPUTFunds Withheld Ba…AMOUNTCONSTANTFixed RateRATEINPUTAccrual DaysCOUNTCONSTANTDays in YearCOUNTQUOTIENTPro Rata FactorRATIOPRODUCTInterest CreditedAMOUNT
CONSTANTINPUTPRODUCTQUOTIENT

G12 — Interest, Floating Rate (SOFR + Spread)

🔵 8 nodes→ 7 links
FACTORNUMERATORPLUSPLUSDENOMINATORFACTORFACTORINPUTFunds Withheld Ba…AMOUNTINPUTSOFR RateRATECONSTANTContractual SpreadRATEINPUTAccrual DaysCOUNTCONSTANTDays in YearCOUNTSUMApplicable RateRATEQUOTIENTPro Rata FactorRATIOPRODUCTInterest CreditedAMOUNT
CONSTANTINPUTPRODUCTQUOTIENTSUM

G13 — Interest, Capped

🔵 5 nodes→ 6 links
FACTORPLUSFACTORFACTORPLUSFACTORINPUTInterest AmountAMOUNTCONSTANTInterest CapAMOUNTIFInterest Amount ≤…AMOUNTTHENCapped InterestAMOUNTELSECap AppliedAMOUNT
CONSTANTELSEIFINPUTTHEN

Loss Participation

FAC_XLTREATY_PROPTREATY_XL4 graphs · 28 nodes total

Contractual wording
A Loss Participation shall be payable by the Cedant to the Reinsurer where the loss experience under this Treaty exceeds a specified threshold. The amount payable shall be calculated as a percentage of losses, or of losses in excess of an applicable trigger, subject to a maximum participation cap where specified. The applicable rate may follow a sliding scale based on the loss ratio of the Treaty year.

G14 — Loss Participation, Flat Rate

🔵 3 nodes→ 2 links
FACTORFACTORINPUTIncurred LossesAMOUNTCONSTANTLP RateRATEPRODUCTLoss Participatio…AMOUNT
CONSTANTINPUTPRODUCT

G15 — Loss Participation, Excess of Trigger

🔵 8 nodes→ 9 links
FACTORPLUSPLUSFACTORPLUSMINUSFACTORFACTORFACTORINPUTIncurred LossesAMOUNTCONSTANTLoss TriggerAMOUNTDIFFERENCEExcess LossesAMOUNTCONSTANTZero FloorAMOUNTIFIncurred Losses >…AMOUNTCONSTANTLP RateRATETHENLoss Participatio…AMOUNTELSENo Loss Participa…AMOUNT
CONSTANTDIFFERENCEELSEIFINPUTTHEN

G16 — Loss Participation, Capped

🔵 12 nodes→ 15 links
PLUSPLUSFACTORPLUSFACTORFACTORFACTORFACTORFACTORPLUSMINUSPLUSFACTORFACTORFACTORINPUTIncurred LossesAMOUNTCONSTANTLoss TriggerAMOUNTDIFFERENCEExcess LossesAMOUNTCONSTANTLP RateRATEPRODUCTRaw LP AmountAMOUNTCONSTANTLP CapAMOUNTIFIncurred Losses >…AMOUNTIFRaw LP Amount ≤ L…AMOUNTTHENLoss Participatio…AMOUNTELSENo Loss Participa…AMOUNTTHENLP CappedAMOUNTELSECap AppliedAMOUNT
CONSTANTDIFFERENCEELSEIFINPUTPRODUCTTHEN

G17 — Loss Participation, Sliding Scale

🔵 5 nodes→ 5 links
ARGUMENTNUMERATORFACTORFACTORDENOMINATORINPUTIncurred LossesAMOUNTINPUTEarned PremiumAMOUNTQUOTIENTLoss RatioRATIOLOOKUPLP RateRATEPRODUCTLoss Participatio…AMOUNT
INPUTLOOKUPPRODUCTQUOTIENT

Statement of Account templates

Ready-to-instantiate SOA templates. Each line maps directly to a node in the actuary graphs above.

Funds Withheld Account
Clauses: Funds Withheld · Interest on Funds Withheld · FAC_XLTREATY_PROPTREATY_XL11 lines
#Line itemTypeValue
1Funds Withheld AccountHEADERAMOUNT
2Earned PremiumDETAILFORMULA
3Losses PaidDETAILFORMULA
4Funds Withheld BalanceSUBTOTALFORMULA
5Reference Rate (SOFR)DETAILFORMULA
6Contractual SpreadDETAILFORMULA
7Applicable Interest RateSUBTOTALFORMULA
8Interest CreditedSUBTOTALFORMULA
9Net SettlementTOTALFORMULA
10Reinsurer ShareNOTERATE
11Treaty YearNOTEAMOUNT
PC Sliding Scale — LOOKUP (G4)
Clause: Profit Commission with Stabilisation · 10 lines
#Line itemTypeValue
1PC Sliding Scale AccountHEADERAMOUNT
2Earned PremiumDETAILFORMULA
3Incurred LossesDETAILFORMULA
4Commission ChargesDETAILFORMULA
5Combined RatioSUBTOTALFORMULA
6Applicable Rate (sliding scale)DETAILFORMULA
7Carry-Forward Prior YearsDETAILFORMULA
8PC Payable After BoundsTOTALFORMULA
9Reinsurer ShareNOTERATE
10Treaty YearNOTEAMOUNT
PC Standard — Bottom-up (G1/G2)
Clause: Profit Commission with Stabilisation · 11 lines
#Line itemTypeValue
1Profit Commission AccountHEADERAMOUNT
2Earned PremiumDETAILFORMULA
3Incurred LossesDETAILFORMULA
4Management Expense LoadingDETAILFORMULA
5Gross Technical ResultSUBTOTALFORMULA
6Carry-Forward AppliedDETAILFORMULA
7Net Commissionable BaseSUBTOTALFORMULA
8PC RateDETAILRATE
9Profit Commission PayableTOTALFORMULA
10Reinsurer ShareNOTERATE
11Treaty YearNOTEAMOUNT

RISK LEGO Bricks — Reusable Graph Primitives

Every reinsurance clause — however custom — reduces to a handful of graph patterns. These 6 primitives ship with every account. Copy, rename, assemble.

🧱 RISK LEGO · PRIMITIVES
Build any risk clause. From 6 reusable graph patterns.
Indexation, FX conversion, capped rates, conditional floors, weighted averages, sliding scales, multi-year accumulators — all reduce to combinations of these primitives. Open any brick in the Actuary profile, copy it into your clause, rename the nodes.
RISK LEGO #01
Conditional Floor
Tests a value against a threshold. Returns the value if above, the floor if below. Foundation of every zero-floor, loss corridor, and excess-of-trigger pattern.
INPUTCONSTANT FloorIFTHENELSE
Used in: G2 SUM+floor · G10 Partial offset · G15 Excess of trigger
RISK LEGO #02
Capped Value
Returns MIN(value, cap). Identical structure to #01 with inverted condition. Use for capped rates, capped commissions, sunset provisions.
INPUTCONSTANT CapIFTHENELSE
Used in: G7 Limited N · G13 Interest capped · G16 Loss participation capped
RISK LEGO #03
Rate × Base
Multiplies a base amount by a rate or coefficient. The most frequent primitive — indexation, FX conversion, flat-rate application, loading factors.
INPUT BaseCONSTANT RatePRODUCT
Used in: G1 · G5 · G6 · G9 · G11 · G14 and most graphs as sub-pattern
RISK LEGO #04
Weighted Average
Computes Σ(value × weight) / Σ(weight). Use for floating rates (SOFR + spread), blended rates, pro rata temporis calculations.
INPUT Value AINPUT Value BINPUT Weight AINPUT Weight BSUM Total ValueSUM Total WeightQUOTIENT
Used in: G6 Pro rata · G12 Floating rate SOFR
RISK LEGO #05
LOOKUP Rate Application
Reads a rate from a scale table using a key input, then applies it to a base. Foundation of every sliding scale, rate on line, and swing rate clause.
INPUT KeyINPUT BaseLOOKUP RatePRODUCT
Used in: G4 Sliding scale · G8 Rate on line · G17 LP sliding scale
RISK LEGO #06
Multi-Input Accumulator
Sums N period inputs into a cumulated total. Use for carry-forward balances, aggregate deductibles, multi-year experience accounts.
INPUT Period 1INPUT Period 2INPUT Period 3SUM Cumulated
Used in: GCF Carry-forward · Aggregate deductibles · Experience accounts

CAT LEGO Bricks — Natural Catastrophe Primitives

Five primitives covering every Cat XL structural pattern — event aggregation, 72-hour clause, annual aggregate limit, occurrence counter. Link them via SUBGRAPH to compose full Cat XL covers.

🌪 CAT LEGO · PRIMITIVES
Build any Cat XL cover. From 5 reusable primitives.
Event aggregation, 72-hour clause (aggregate and large-claim variants), annual aggregate limit, occurrence counter — each isolated as a standalone DAG. Link them via SUBGRAPH to model any Cat XL structure.
CAT LEGO #01
Event Aggregation
Aggregates individual line losses into a single event total. Each INPUT represents a line of business or risk. The SUM node carries the three Cat dimensions: Peril, Spatial boundary, Temporal window.
PLUSPLUSPLUSPLUSINPUTLoss - Line 1AMOUNTINPUTLoss - Line 2AMOUNTINPUTLoss - Line 3AMOUNTSUMEvent Aggregate L…AMOUNTRESULTEvent Loss (to XL)AMOUNT
INPUT Loss Line NSUM Event AggregateRESULT Event Loss
Entry point of every Cat XL chain. Output feeds #02a, #02b, or directly #03.
CAT LEGO #02a
72h Clause — Aggregate
Tests whether an aggregate loss period falls within the 72-hour contractual window. IF routes the full Aggregate Loss to IN (within window) or OUT (excluded). Use for proportional treaties.
PLUSPLUSFACTORFACTORFACTORFACTORPLUSMINUSINPUTAggregate LossAMOUNTINPUTEvent StartCOUNTINPUTPeriod EndCOUNTCONSTANT72h WindowCOUNTDIFFERENCEPeriod DurationCOUNTIFPeriod <= 72h Win…COUNTTHENAggregate Loss INAMOUNTELSEAggregate Loss OUTAMOUNT
INPUT Aggregate LossINPUT Event StartINPUT Period EndCONSTANT 72h WindowDIFFERENCE DurationIF / THEN / ELSE
Quote-share chain: #02a → #01 → #03.
CAT LEGO #02b
72h Clause — Large Claim Filter
Tests whether a single large claim falls within the 72-hour window of a defined event. IF routes the claim to Large Claim IN or Large Claim OUT. Use for XL treaties where individual claims are tracked.
FACTORPLUSPLUSPLUSFACTORFACTORFACTORMINUSINPUTLarge ClaimAMOUNTINPUTClaim DateCOUNTINPUTEvent StartCOUNTCONSTANT72h WindowCOUNTDIFFERENCEDays Since Event …COUNTIFDays <= 72h WindowCOUNTTHENLarge Claim INAMOUNTELSELarge Claim OUTAMOUNT
INPUT Large ClaimINPUT Claim DateINPUT Event StartCONSTANT 72h WindowDIFFERENCE DaysIF / THEN / ELSE
XL chain: #02b → #01 → #04 → #03.
CAT LEGO #03
Annual Aggregate Limit
Accumulates per-occurrence recoveries and caps the annual total at the AAL. IF compares gross total to AAL: THEN returns the gross recovery, ELSE caps it at AAL.
FACTORPLUSPLUSPLUSFACTORFACTORFACTORPLUSPLUSINPUTRecovery Event 1AMOUNTINPUTRecovery Event 2AMOUNTINPUTRecovery Event 3AMOUNTCONSTANTAnnual Aggregate …AMOUNTSUMGross Annual Reco…AMOUNTIFGross <= AALAMOUNTTHENNet Annual Recove…AMOUNTELSERecovery AAL Capp…AMOUNT
INPUT Recovery Event NCONSTANT AALSUM Gross AnnualIF / THEN / ELSE
Terminal node of both XL and quote-share chains.
CAT LEGO #04
Occurrence Counter
Gates per-occurrence recovery against the maximum number of covered events in the year. IF tests Events Occurred against Max Occurrences: THEN passes recovery through, ELSE returns Zero.
PLUSPLUSFACTORFACTORPLUSFACTORFACTORINPUTEvents OccurredCOUNTCONSTANTMax OccurrencesCOUNTINPUTRecovery This Eve…AMOUNTIFEvents <= Max Occ…COUNTCONSTANTZeroAMOUNTTHENRecovery CoveredAMOUNTELSEOccurrence Exhaus…AMOUNTSUMAnnual Covered Re…AMOUNT
INPUT Events OccurredCONSTANT Max OccurrencesINPUT Recovery This EventIF / THEN / ELSECONSTANT ZeroSUM Annual Covered
XL chain only: between #01 and #03.
SUBGRAPH chains
XL chain (claim by claim): #02b Large Claim Filter → #01 Event Aggregation → #04 Occurrence Counter → #03 Annual Aggregate Limit
Quote-share chain (aggregate): #02a 72h Aggregate → #01 Event Aggregation → #03 Annual Aggregate Limit

Tower Programmes

Pre-built reinsurance tower structures — programmes, towers, nodes and links — ready to use as structural references in the Program Manager.

1
programme(s)
3
tower(s)
18
node(s)
EX_P_STDStandard— Standard reinsurance programme patterns — seed content.

EX_T_01 — QS + XL Risk

⬡ 5 nodes→ 4 links
Gross lossLOSSQS ceded lossLOSSNet QS retentionLOSSXL Risk recoveryLOSSNet QS + XL retentionLOSS
→ CESSION — Cession

EX_T_02 — XL Risk + Stop Loss

⬡ 5 nodes→ 4 links
Gross lossLOSSXL Risk recoveryLOSSNet XL retentionLOSSStop Loss recoveryLOSSNet XL + SL retentionLOSS
→ CESSION — Cession

EX_T_03 — QS + XL Common Account

⬡ 8 nodes→ 8 links
Gross lossLOSSQS ceded — cessionary A (20%)LOSSQS ceded — cessionary B (35%)LOSSNet QS retention (45%)LOSSXL Common Account recoveryLOSS_COMMON_ACCOUNTXL Common — cedant shareLOSSXL Common — cessionary A shareLOSSNet final — cessionary BLOSS
→ CESSION — Cession

Reference framework

The shared vocabulary that structures every clause, graph, and contract in your account.

Clause families
LOSS_PARTICIPATIONPREMIUMDEPOSITLIMITREINSTATEMENTPROFIT_COMMISSIONSLIDING_SCALEOTHERPRIMITIVESCAT_XL
Treaty types
FACOB FAC_PROP FAC_XL TREATY_PROP TREATY_XL
Value types
AMOUNT M€RATE %COUNT #DURATION moPERCENTAGE %COEFFICIENT ×INDEXFORMULA → mgrRATIOMARKET_REF idx
Dimensions — Context Axis
ZONERISKTIMECURRENCYDATECARRY_FORWARD
Dimensions — Value Axis
AMOUNTRATETABLETHRESHOLD
Dimensions — Statement of Account
PERIODICITYSHARECOUNTERPARTFORMULA
Dimensions — Event Axis
PERILSPATIALTEMPORAL
Dimensions — Risk Model
SITE_ADDRESSSITE_COUNTRYSITE_COORDSPERIL_TYPEPERIL_ZONECOV_CATEGORYCOV_INS_VALUECOV_LIMITCOV_DEDUCTIBLECOV_CURRENCY
Start with a workspace that already speaks your language.

All of the above ships with every new account. Add your own clauses, graphs, and dimensions on top — or start using the examples immediately.

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