FINANCIAL RISKS
We develop solutions in close interaction with our clients combining our expertise, sophisticated analytical skills and applying various reinsurance concepts. Financial risks reinsured cover payments of principal and interest on structured finance. Artý Re introduces successful solutions structured to address capital, risk, and credit enhancements of pools.
CREDIT ENHANCEMENT INSURANCES
Credit enhancements are the avenues available to businesses with weak credit profiles or to companies pursuing credit transactions that are perceived as too risky by credit providers. They are modifications to credit transactions that improve the risk such as; guarantees, insurance or third party assurances, compensation or upside gain potential, or granting of specific rights or options.

Some specific enhancements may include:

• real estate,
• inventory,
• accounts receivable,
• intellectual property rights or other company assets,
• pledging cash,
• pledging securities,
• third party guarantees,
• surety bonds,
• letters of credit,
• pledging cash value of insurance,
• increase in transaction rate,
• additional fees or other transaction compensation,
• shortening the term of certain transactions,
• permitting call options,
• obtaining re-marketing guarantees or agreements.
INCOME PROTECTION INSURANCES
Income Protection Insurance protects the income in the event of long-term illness or accident that prevents anybody from working. Insurance policy would pay out a tax-free income in the event of a claim being made because of illness or disability.

INCOME PROTECTION INSURANCE: PAYMENT OF SALARIES
This insurance works in case of immediate wage stop due to a person’s sickness or injury and his inability to work and not being paid. This insurance secures payment of his salaries to supply his normal life standards.

If a person desires, he can receive his salary in cash from long-term disability income insurance.

Providing that he is a participant of social security system, he has been put on salary with regard to his working period.


INCOME PROTECTION INSURANCE: PAYMENT OF DEBTS
This insurance employs in case of sickness and being injured. It secures repayment of his existing debt.

Payment of debt insurance covers renting, bill, house, car or other payment plans for a determined period.

CREDIT CARD/CONSUMER CREDIT PAYMENT PROTECTION COVER
Credit Card/Consumer Credit Payment Protection helps to repay the debt in the events of disablement, involuntarily unemployement and death.

Coverage is :

• Involuntary unemployment,
• Total temporary disablement,
• Total and permanent disablement and
• Death.