#reinsurance
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eoinhayestd.bsky.social
The government has been resistant to my proposals for the introduction of state-backed reinsurance and compensation models, but this is the kind of thing done in other European countries and works well.
February 19, 2026 at 6:46 PM
epsteinweb.bsky.social
EFTA01403654.jpg
#epsteinweb #efta01403654
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EFTA01403654 | EFTA01403654 Subject: Re: Reinsurance deal [C] From: Tazia Smith Date: Wed, 04 Feb 2015 12:38:38 -0500 l>, To: Paul Morris <ffi ~>, Matt Glassman <1~I Ariane Dwyer Cc: Stewart Oldfield 4,; > Classification: Confidential Matt/Ari pls assist and please log on our tracker appropriately. Thanks Original Message From: Paul Morris Sent: Wednesday, February 04, 2015 09:33 AM To: Tazia Smith Cc: Stewart Oldfield Subject: Reinsurance deal [C] Classification: Confidential Tazia, let's get teaser out today to Black, tisch, thirdlake, southern financial, bob meister, sk, M SD, I'll add more Thx EFTA01403654
February 19, 2026 at 6:27 PM
epsteinweb.bsky.social
EFTA01403540.jpg
#epsteinweb #efta01403540
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EFTA01403540 | EFTA01403540 Subject: Re: Reinsurance deal [C] From: Stewart Oldfield < Date: Wed, 04 Feb 2015 12:50:28 -0500 To: Paul Morris < Classification: Confidential Less of a fit but we can send. Fyi, Koch has seen this from us and citi, and says they are seeing re insurance deals almost every week. Original Message From: Paul Morris Sent: Wednesday, February 04, 2015 10:40 AM To: Stewart Oldfield Subject: Re: Reinsurance deal [C] Classification: Confidential What about anschutz and any of the others? Original Message From: Stewart Oldfield Sent: Wednesday, February 04, 2015 12:39 PM To: Tazia Smith; Paul Morris; Matt Glassman; Ariane Dwyer Subject: Re: Reinsurance deal [C] Classification: Confidential Orix as well. Original Message From: Tazia Smith Sent: Wednesday, February 04, 2015 10:38 AM To: Paul Morris; Matt Glassman; Ariane Dwyer Cc: Stewart Oldfield Subject: Re: Reinsurance deal [C] Classification: Confidential Matt/Ari pls assist and please log on our tracker appropriately. Thanks Original Message From: Paul Morris Sent: Wednesday, February 04, 2015 09:33 AM To: Tazia Smith Cc: Stewart Oldfield Subject: Reinsurance deal [C] Classification: Confidential Tazia, let's get teaser out today to Black, tisch, thirdlake, southern financial, bob meister, sk, M SD, I'll add more Thx EFTA01403540
February 19, 2026 at 6:21 PM
epsteinweb.bsky.social
EFTA01400915.jpg
#epsteinweb #efta01400915
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EFTA01400915 | EFTA01400915 Subject: RE: Reinsurance deal [C] From: Stewart Oldfield ‹ Date: Thu, 05 Feb 2015 11:58:10 -0500 To: Stewart Oldfield Tazia Smith Paul Morris Matt Glassman Ariane Dwyer > , Classification: Confidential Let's add the following from my side: Dart - sharon cornwell@dartmgmt.com Eric Attias Georgetown (Mike Barry, CIO) InfinityQ (Scott Lindel) Hillspire (Amber Caska) Shamrock (Greg Martin) Slome Capital (John Service) Thanks Original Message From: Stewart Oldfield Sent: Wednesday, February 04, 2015 12:40 PM To: Tazia Smith; Paul Morris; Matt Glassman; Ariane Dwyer Subject: Re: Reinsurance deal [C] Classification: Confidential Orix as well. Original Message From: Tazia Smith Sent: Wednesday, February 04, 2015 10:38 AM To: Paul Morris; Matt Glassman; Ariane Dwyer Cc: Stewart Oldfield Subject: Re: Reinsurance deal [C] Classification: Confidential Matt/Ari pls assist and please log on our tracker appropriately. Thanks Original Message From: Paul Morris Sent: Wednesday, February 04, 2015 09:33 AM To: Tazia Smith Cc: Stewart Oldfield Subject: Reinsurance deal [C] EFTA01400915
February 19, 2026 at 4:11 PM
epsteinweb.bsky.social
EFTA01400907.jpg
#epsteinweb #efta01400907
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EFTA01400907 | EFTA01400907 Subject: Re: Reinsurance deal [C] From: Stewart Oldfield < Date: Wed, 04 Feb 2015 12:39:43 -0500 To: Tazia Smith <a>, Paul Morris la, Matt Glassman Ariane Dwyer P , Classification: Confidential Orix as well. Original Message From: Tazia Smith Sent: Wednesday, February 04, 2015 10:38 AM To: Paul Morris; Matt Glassman; Ariane Dwyer Cc: Stewart Oldfield Subject: Re: Reinsurance deal [C] Classification: Confidential Matt/Ari pls assist and please log on our tracker appropriately. Thanks Original Message From: Paul Morris Sent: Wednesday, February 04, 2015 09:33 AM To: Tazia Smith Cc: Stewart Oldfield Subject: Reinsurance deal (C) Classification: Confidential Tazia, let's get teaser out today to Black, tisch, thirdlake, southern financial, bob meister, sk, M SD, I'll add more Thx EFTA01400907
February 19, 2026 at 4:11 PM
kajembren.bsky.social
The insurance crisis is escalating: climate-driven losses + rising reinsurance costs are forcing insurers to hike premiums, limit coverage, or exit markets.

bit.ly/4tIqCHX

#Insurance #ClimateRisk #ClimateChange #Science #Adaptation #LeadershipMatters

@climate.noaa.gov @climatechangenews.com
February 19, 2026 at 10:43 AM
epsteinweb.bsky.social
Parts 1-3/3 — EFTA01386894.jpg
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EFTA01386894 | EFTA01386894 RIN II • 094 Alpha Group Capital LLC transaction. The Regulations require a financial service provider to maintain certain anti•money laundering procedures including those for the purposes of verifying the identity and source of funds of an "applicant for business"; e.g. an investor. Except in certain circumstances, including where an entity is regulated by a recognized overseas regulatory authority and/or listed on a recognized stock exchange in an approved jurisdiction, the Issuer Administrator will likely be required to verify each investor's identity and the source of the payment used by such investor for purchasing the Preferred Shares in a manner similar to the obligations imposed under the laws of other major financial centers. In addition, if any person resident in the Cayman Islands knows or suspects, or has reasonable grounds for knowing or suspecting that another person is engaged in criminal conduct, or is involved with terrorism or terrorist property, and the information for that knowledge or suspicion came to their attention in the course of business in the regulated sector, or other trade, profession, business or employment, the person will be required to report such knowledge or suspicion to (i) the FRA, pursuant to the PCL, if the disclosure relates to criminal conduct or money laundering, or (ii) a police officer of the rank of constable or higher, or the FRA, pursuant to the Terrorism Law (2015 Revision) of the Cayman Islands, if the disclosure relates to involvement with terrorism or terrorist financing and property. If the Issuer were determined by the Cayman Islands authorities to be in violation of the PCL, the Terrorism Law or the Regulations, the Issuer could be subject to substantial criminal penalties. The Issuer may be subject to similar restrictions in other jurisdictions. Such a violation could materially adversely affect the timing and amount of payments by the Issuer to the Preferred Shareholders. European Risk Retention Prospective purchasers of Preferred Shares should be aware of the EU risk retention and due diligence requirements (the "EU Risk Retention Rules") which currently apply, or are expected to apply in the future, in respect of various types of EU regulated investors including credit institutions, authorised alternative investment fund managers, investment firms, insurance and reinsurance undertakings, UCITS funds and institutions for occupational retirement provision. Amongst other things, such requirements restrict a relevant investor from investing in asset-backed securities unless (i) that investor is able to demonstrate that it has undertaken certain due diligence in respect of various matters including its note position, the underlying assets and (in the case of certain types of investors) the relevant sponsor or originator and (ii) the originator, sponsor or original lender in respect of the relevant securitisation has explicitly disclosed to the investor that it will retain, on an on-going basis, a net economic interest of not less than five % in respect of certain specified credit risk tranches or asset exposures. Failure to comply with one or more of the requirements may result in various penalties including, in the case of those investors subject to regulatory capital requirements, the imposition of a penal capital charge on the Preferred Shares acquired by the relevant investor. Aspects of the requirements and what is or will be required to demonstrate compliance to national regulators remain unclear. The EU Risk Retention Rules described above apply, or are expected to apply, in respect of the Preferred Shares. Relevant investors are required to independently assess and determine the sufficiency of the information described above for the purposes of complying with any relevant requirements and none of the Issuer, the Portfolio Advisor, the Placement Agents, the Security Party, the Portfolio Administrator, the Retention Holder, their respective affiliates or any other Person makes any representation that the information described above is sufficient in all circumstances for such purposes. It should be noted that the European authorities have adopted and finalised two new regulations related to securitisation (being Regulation (EU) 2017/2402 and Regulation (EU) 2017/2401) which will apply in general from January 1, 2019. Among other things, the regulations include provisions intended to implement the revised securitisation framework developed by BCBS (with adjustments) and provisions intended to harmonise and replace the risk retention and due diligence requirements (including the corresponding guidance provided through technical standards) applicable to certain EU regulated investors. There are material differences between the coming new requirements and the current requirements including with respect to the matters to be verified under the due diligence requirements, as well as with respect to the application approach under the retention requirements and the originator entities eligible to retain the required interest. Confidential CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(e) CONFIDENTIAL 130 February 2018 DB-SDNY-0088807 SDNY_GM_00234991 EFTA01386894
February 19, 2026 at 3:22 AM
cricketdiane.bsky.social
big philanthropic and global efforts to do better after that year. It was five years before Epstein maneuvered an introduction by sitting next to the Limited's insurance exec and friend of Wexner on a flight to Palm Beach (Robert and Wendy Meister of Aon Insur). They offered reinsurance & other
February 18, 2026 at 11:25 PM
louisenorris.bsky.social
18 states already have reinsurance programs for their individual health insurance markets, & Oklahoma plans to join them in 2028: www.healthinsurance.org/glossary/rei... Reinsurance is more important now than it was for the last 5 years, since premium subsidies are no longer available >400% FPL.
What is reinsurance? | healthinsurance.org
Reinsurance is essentially insurance for insurance companies. Just like individuals count on their insurance company to cover a portion of their medical bills if and when they have a claim, reinsuranc...
www.healthinsurance.org
February 18, 2026 at 5:39 PM
newsen.bsky.social
Bermuda Risk Summit Celebrates Two Decades Since the Class of 2005 Revolutionized Reinsurance#Bermuda#Hamilton#Bermuda_Risk_Summit#Class_of_2005#Bermuda_Business_Development_Agency
Bermuda Risk Summit Celebrates Two Decades Since the Class of 2005 Revolutionized Reinsurance
The Bermuda Risk Summit 2026 will commemorate the profound changes brought by the Class of 2005, exploring its legacy on global reinsurance and risk management.
third-news.com
February 18, 2026 at 5:15 PM
nb-il.bsky.social
Michael Lewis named President, Marsh Risk Canada

https://www.newsbeep.com/il/297567/

NEW YORK, February 18, 2026 ­─­ Marsh (NYSE: MRSH), a global leader in risk, reinsurance and capital, people…
Michael Lewis named President, Marsh Risk Canada - Israel News Beep
NEW YORK, February 18, 2026 ­─­ Marsh (NYSE: MRSH), a global leader in risk, reinsurance and capital, people and investments, and management consulting, today
www.newsbeep.com
February 18, 2026 at 4:00 PM
bezeng.bsky.social
Qualifying Event

benewinsurance.blogspot.com/2024/11/qual...

#BeNewinsurance #InsurTech #inclusiveinsurance #insurance #reinsurance #takaful #climaterisk #Entrepreneurship
Qualifying Event
benewinsurance.blogspot.com
February 18, 2026 at 12:58 PM
bid47.bsky.social
The HMG-House insurers Flood Re reinsurance scheme is only available to houses built before 1 Jan 2009, in part to try to discourage building in flood risk areas.
February 18, 2026 at 9:46 AM
casssandra.bsky.social
I couldn't find any details on federal property insurance structure in a quick search, but I would suspect they have a substantial self-insured layer with reinsurance across multiple companies. That's generally what big corporations do.
February 18, 2026 at 3:09 AM
sirjamesdouglas.bsky.social
Inside Project Molecule the 14-page JPMorgan proposal that turned biology into investable infrastructure 20M to "finance the surveillance network in Pakistan." Parametric triggers Reinsurance markets. Vaccine capital positioned in structures designed for offshore flexibility and arm's-length profit.
February 17, 2026 at 1:25 PM
csgt-bot.bsky.social
Tim J. Boonen, Kenneth Tsz Hin Ng, Tak Wa Ng, Thai Nguyen: Pareto and Bowley Reinsurance Games in Peer-to-Peer Insurance https://arxiv.org/abs/2602.14223 https://arxiv.org/pdf/2602.14223 https://arxiv.org/html/2602.14223
February 17, 2026 at 6:32 AM
epsteinweb.bsky.social
Parts 1-2/2 — EFTA01300258.jpg
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EFTA01300255 | EFTA01300258 • Thethitanswer to avoiding a systemic failure is perhaps found in the extraordinary measures taken by the U.S. Treasury and Federal Reserve last year. • Although many have questioned the appropriateness of actions taken by the Fed, the FDIC and other agencies, in IIidsight their activities greatly reduced the ultimate economic pain of this crisis. Mid what the Fed and other central banks did was to extend their reach beyond commercial banks. • Thelient-time • • lf there is a next time . thet-a poteatial-systemie-hrefteleof-thegkihel-fintineial system-tippet:merit is more likely that the appropriate countermeasures will need policy backing and the collective balance sheets of the world's leading economies in order to respond with a force commensurate to the magnitude of Systenrieaisk in this new century. • Formatted: Bullets and Numbering While I believe that the world banks showed an admirable level of cooperation in facing this recent crisis, the next time will require an even mere effieientereater collective global response. JPMorgan fully supports the Geo's efforts to reform financial regulation so that governments have broader and more coordinated authority. • We have suggested that regulation be delineated by product (derivatives, for example) and not necessarily by legal entity. We support the increased use of clearing houses and the proposals regarding lending disclosures. Hedge funds, private equity firms, and off balance sheet vehicles should be within the reach of regulators, but, care should be taken not towithem etiniinatitig-thifilunti their unique freedoms and positive attributes. • Systemic regulators should have the freedom to seek out risk . I.— anywhere and be able to do seinethinguheut4tagn.. In addition, procedures need to be put into place to deal with problems that may develop in the largeIt of global institutions that have previously beenare considered by at least some some to be in-the4arge -Too Big to Fail."A4ftstittitiens Failure is fieescceptable so long as it's both orderly, controlled, and leads to a more stable result resolution. What we need is a resolution process that allows failure without causing cascading damage.-to the-wholeemtene • Leading up to last years' events, some markets, like parts of the mortgage business, were unregulated; others were over-regulated or improperly regulated. Reinsurance companies like MG, AMBAC and MBIA guaranteed trillions in bonds and securitized loans with less than 1,5% of the capital ratios that applied to the regulated banking sector. Broker-dealers like Lehman were freed-at from the capital and regulatory framework applied to commercial banks. Leverage ratios were in general too lax and virtually all policies were pro-cyclical. • Many adopted a view that AAA securities were virtually riskless and immediately liquid. This terrible mistake was made by the best and the brightest in both governments ealsinets-and financial board rooms. This notion that AAA securities waswere equal to cash led to false assumptions in quantitative models. 4 SD NY_GM_00077298 Confidential Treatment Requested by JPMorgan Chase JPM-SDNY-00000425 EFTA_00187770 EFTA01300258
February 16, 2026 at 10:31 PM
epsteinweb.bsky.social
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EFTA01295633 | EFTA01295717 Page 84 2015 U.S. Dist. LEXIS 82496, * "[T]he core component of standing is an essential and unchanging part of the case-orcontroversy requirement of Article III" of the Constitution. Lujan v. Defenders of Wildlife, 504 U.S. 555, 560, 112 S. Ct. 2130, 2136, 119 L. Ed. 2d 351 (1992). Article III constitutional standing requires that (1) plaintiff has suffered an injury in fact -- an invasion of a legally protected interest which is (a) concrete and particularized and (b) actual or imminent, not conjectural or hypothetical; (2) that a causal connection exists between the injury and the conduct complained of; and (3) that it is likely, not merely speculative, that the injury will be redressed by a favorable decision. Ballentine v. United States, 486 F.3d 806, 814, 48 V.I. 1059 (3d Cir. 2007) (internal quotations and citation omitted). No] Moreover, "plaintiffs in a putative class action must allege and show that they personally have been injured, not that injury has been suffered by other, unidentified members of the class to which they belong and which they purport to represent." Montanez v. HSBC Mortgage Corp. (USA), 876 F. Supp. 2d 504, 512 (E.D. Pa. 2012) (citing Klein v. Gen. Nutrition Cos., 186 F.3d 338, 345 (3d Cir. 1999)) (finding a concrete and particularized injury where plaintiffs alleged they paid too much for force-placed insurance, a causal connection where defendants allegedly worked to conceal kickbacks and redundant charges, and redressability where plaintiffs sought the "very conventional remedy" of money damages). Here, Plaintiff states facts similar to those in Montanez: "[o]nce coverage is forced on the property, Defendants charge the borrower, an amount they attribute to the AMIG forcedplaced premium, which is either deducted from the borrower's mortgage escrow account by the Defendants or added to the balance of the borrower's loan." (Compl. ¶ 33) But because "plaintiffs in a putative class action must allege and show that they personally have been injured," Montanez at 512, it is insufficient to make general statements of injury to the class without specifying injuries to Plaintiff himself. Plaintiff must state whether charges were deducted from his escrow account or whether his loan balance increased in a way that made it more difficult to resolve his mortgage situation. rig Regarding his own finances, Plaintiff alleges that "escrow funds of Plaintiff which were designated to pay insurance, taxes and other items were used to pay non-designated costs of Defendants, including kickbacks, reinsurance fees and ceded premiums, and low cost loan tracking services." (Compl. ¶ 102) Because "general factual allegations of injury resulting from the defendant's conduct may suffice" to state an injury at this stage of litigation, the Court finds this allegation sufficient to state an injury and establish Article III standing at this stage of litigation.° 6 As the Court recognized during oral argument. "the typical case here is, there is nothing left in the escrow account" from which Defendants may deduct the premiums. Mfg Tr. 50. Instead, "Iirs very likely that [Plaintiff) wasn't paying [the excessive premiums] directly" and that "l'lf he was going to pay [such a premium]. he was going to pay it down the line, indirectly in some fashion, and even then, we don't know, because we don't know what equity there was in the properly." (Hr'g Tr. 30) Nonetheless, such factual determinations are inappropriate [9 21 at this stage, and the Court restricts itself to the allegations in Plairtiffs Complaint. In addition, Plaintiff alleges that Defendants charged him excessive premiums, which constitute an injury regardless of whether he ever actually paid them. For example, Plaintiff alleges that Defendants informed him in a letter dated July 6, 2012, "that insurance For internal use only SDNY_GM_00056880 CONFIDENTIAL - PURSUANT TO FED. R.QQN(F IDENTIAL DB-SONY-0019704 EFTA_00 167450 EFTA01295717
February 16, 2026 at 6:41 PM
epsteinweb.bsky.social
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EFTA01295633 | EFTA01295716 Page 83 2015 U.S. Dist. LEXIS 82496, * and/or its affiliates purportedly provided reinsurance, they did not assume any real risk." (Id. 1140) Consequently, these "ceded premiums are nothing more than a kickback[.]" (Id.) In addition to these alleged kickbacks, Plaintiff claims that Statebridge used the excess premiums to subsidize a service AMIG Defendants provide wherein AMIG Defendants monitor or track Statebridge's entire loan portfolio below cost. 03)e:cause insurance-lapsed mortgage property generally comprises only 1.2% of the lenders' total mortgage portfolio. the borrowers. like Plaintiff DiCistern°. who pay these premiurns unfairly. bear the entire cost to service and monitor or track the entire Statebridge loan portfolio. (Id. ¶ 38)4 4 The Court understands from the Complaint that Plaintiff behaves this cost of monitoring or tracking Statebridge's loan portfolio ought to be spread across all loans rather than just the 1-2% of loans related to insurance-lapsed mortgage property but is otherwise a legitimate expense. Finally, Plaintiff alleges that Defendants' overcharged borrowers by charging for time periods when they were already protected (noting that the Standard Mortgage Clause or the Lenders Loss Payable Endorsement ("LLPE") "typically protects the lender for a period of at least ten days after the termination of the homeowner's voluntary insurance policy" (id. ¶ 41)) and by imposing retroactive insurance costs to cover time periods when the property was not insured, even though no damage occurred during the period of the lapse (id. ¶ 30). ['8] 5 As Plaintiff explains it. "AMIG Defendants generate a premiun charge to Statebridge for thlel retroactive coverage" and "Statebridge then charges the borrower in the amount it was billed from the AMIG Defendants" (Id 1130) Defendants allegedly engaged in these activities with regard to many borrowers but Statebridge informed the instant Plaintiff that it was force-placing insurance on his property on July 6, 2012, to be applied retroactively to January 29, 2012. (Id. ¶ 31) The five months of insurance charges were then applied to Plaintiffs escrow account, plus interest. (Id. ¶ 33) While Plaintiff previously paid an annual premium of $1,165.14 through his voluntary insurer, Defendants' policy increased his premium 17.5% to $1,368, despite dropping his coverage from $289,000 to $152,000 and no longer covering contents, personal effects, or liability. (Id. ¶ 47) rsi II. Jurisdiction Though the parties did not address the issue of standing in their briefs, "standing is a jurisdictional matter' raised "[p]ursuant to Rule 12(b)(1)." Ballentine v. United States, 486 F.3d 806, 810, 48 V.I. 1059 (3d Cir. 2007) (internal quotations and citations omitted). Therefore, "we are required to raise issues of standing sua sponte if such issues exist." Addiction Specialists, Inc. v. Twp. of Hampton, 411 F.3d 399, 405 (3d Cir. 2005) (internal quotations and citations omitted). Prior to reaching the merits of Statebridge's motion, however, the Court must confirm that Plaintiff has established standing to bring this suit. For internal use only SDNY_GM_00056879 CONFIDENTIAL - PURSUANT TO FED. R.QC;IN(F IDENTIAL DB-SONY-0019703 EFTA_00 167449 EFTA01295716
February 16, 2026 at 6:40 PM
capitalgrowthlab.bsky.social
Bermuda tightens reinsurance regs, sees a decline in new entrants – Insurance News

Bermuda saw a decline in new life and annuity reinsurance entrants during 2025, but the country remains the dominant offshore hub for reinsurers. The decline coincides with tougher new regulations from the Bermuda…
Bermuda tightens reinsurance regs, sees a decline in new entrants – Insurance News
Bermuda saw a decline in new life and annuity reinsurance entrants during 2025, but the country remains the dominant offshore hub for reinsurers. The decline coincides with tougher new regulations from the Bermuda Monetary Authority, noted S&amp;P Global Market Intelligence in a recent analysis. The BMA's new rules, effective January 2026, demand detailed asset and liability disclosures, enhancing market confidence, S&amp;P concluded.
capitalgrowthlab.com
February 16, 2026 at 5:18 PM
incorporateuae.bsky.social
Launch your DFSA-regulated insurance, reinsurance, or insurtech business in DIFC. Access premium offices, up to 10 visas, and regulatory support.

Start your setup today:
incorporate.ae/en/difc

#DIFCInsurance #InsurtechDubai #BusinessSetupDubai #IncorporateDubai #DubaiBusiness
DIFC Insurance
February 16, 2026 at 4:00 PM
fintwitter.bsky.social
EXPECT INCREASED M&amp;A ACTIVITY IN SPECIALTY AND REINSURANCE, UK, DUTCH AND GERMAN LIFE, AND EUROPEAN BANCASSURANCE - FITCH
February 16, 2026 at 3:07 PM
nb-il.bsky.social
Miller appoints Sailesh Divakaram as Head of Treaty Asia

https://www.newsbeep.com/il/294038/

Miller, the independent specialist insurance and reinsurance broker, has announced the appointment of Sailesh Divakaram as Head of…
Miller appoints Sailesh Divakaram as Head of Treaty Asia - Israel News Beep
Miller, the independent specialist insurance and reinsurance broker, has announced the appointment of Sailesh Divakaram as Head of Treaty Asia.
www.newsbeep.com
February 16, 2026 at 12:45 PM
epsteinweb.bsky.social
Parts 1-2/2 — EFTA01280023.jpg
#epsteinweb #efta01280023
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EFTA01280014 | EFTA01280023 selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, if permitted under Applicable Law, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements. Lender, any purchaser of the Note, another insurer, any reinsurer, any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken NORTH CAROUNA-Single Family.Fanma MaeRedde Mac UNIFORM INSTRUMENT VMP eskers *Mandl %V0IIEtS Mono Frani& 30NIM. CONFIDENTIAL Farm 3034 U01 VMPSINC)413021 PAN 10 0118 SDNY_GM_00031197 EFTA_0014I8I0 EFTA01280023
February 16, 2026 at 5:31 AM
epsteinweb.bsky.social
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EFTA01279994 | EFTA01280003 selected by Lender again becomes available, is obtained, and Lender requires separately designated payments toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to maintain Mortgage Insurance in effect, if permitted under Applicable Law, or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law. Nothing in this Section 10 affects Borrower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender (or any entity that purchases the Note) for certain losses it may incur if Borrower does not repay the Loan as agreed. Borrower is not a party to the Mortgage Insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may enter into agreements with other parties that share or modify their risk, or reduce losses. These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to these agreements. These agreements may require the mortgage insurer to make payments using any source of funds that the mortgage insurer may have available (which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements. Lender, any purchaser of the Note, another insurer, any reinsurer. any other entity, or any affiliate of any of the foregoing, may receive (directly or indirectly) amounts that derive from (or might be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk, or reducing losses. If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer, the arrangement is often termed "captive reinsurance." Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance, or any other terms of the Loan. Such agreements will not increase the amount Borrower will owe for Mortgage Insurance, and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has - if any - with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law. These rights may include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage Insurance, to have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby assigned to and shall be paid to Lender. If the Property is damaged, such Miscellaneous Proceeds shall be applied to restoration or repair of the Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction, provided that such inspection shall be undertaken NORTH CAROUNA-Singe Family.Fanma Mae!Redde Mac UNIFORA INSTRUMENT VMP earkers SysiensTil %V0llos Mono FnantIal UNION CONFIDENTIAL Farm 3034 1,01 VMPSINC) 413021 PM 10 0118 SDNY_GM_00031154 EFTA_00141767 EFTA01280003
February 16, 2026 at 5:30 AM