We consolidate the data from all the contracts and countries in your pool to produce an overall profit and loss account. By balancing any losses in one country against gains in another, we can calculate the overall experience of your company-specific pool.

If there is an overall positive balance, we pay it out in cash as an international dividend. If there is an overall negative balance, usually due to unexpectedly high claims, we will not ask you to compensate us, unless you have opted for a self-retention.

When a multinational's local plans are placed in a pool and internationally experience rated, the additional spreading of risk through the creation of a larger portfolio means that the margins required by local insurers can be smaller. We will return any unused margins to you as an international dividend.

International dividends are determined by:

• Risk experience
• Expense charges
• Local dividends
• Commissions paid to brokers and consultants
• International risk retention

We provide these additional benefits to multinationals as a way of attracting more business and maintaining our existing client base. And the continuing growth of our international portfolio is compelling evidence that it works. Our clients know that bringing more business to the Network translates into more advantages and cost reductions for their organizations. It is a true win-win situation.

The Swiss Life Network is committed to allowing multinational clients to design their own pooling programs. Our innovative modular system lets you select the combination of options that best suit your company's specific needs and risk profile.

We can arrange for quotations on your local employee benefit plans not placed with Swiss Life Network Partners. And we will provide you with an international pooling exhibit showing all local poolable business, plus sample scenarios based on the pooling options available. As soon as you have evaluated and confirmed your solution and the local contracts involved, your company simply signs an international pooling agreement with the Swiss Life Network and we can establish your program.

Please contact us to discover how your company can benefit from Company-Specific Pools.

For further information, please download our brochure (pdf) on modular solutions.