Your insurance premiums keep rising — and you have no significant claims.
→ There is a Bermuda structure for that.
See how it works →
American & Overseas Reinsurance Management · Est. 1990
BMA-licensed insurance manager. Segregated accounts, life reinsurance, ILS, catastrophe bonds and MGA structures — designed, set up and managed permanently from Hamilton, Bermuda.
The questions we answer
Your insurance premiums keep rising — and you have no significant claims.
→ There is a Bermuda structure for that.
See how it works →A hurricane shuts your business down — and your insurer disputes the loss.
→ There is a Bermuda structure for that.
See how it works →Your life reinsurance is consuming capital you cannot afford to tie up.
→ There is a Bermuda structure for that.
See how it works →Where We Go Deep
Ring-fenced risk. Your own Bermuda cell on a BMA-licensed platform — legally segregated assets and liabilities without the cost of a standalone company. Faster to set up, lower capital, fully protected from other cells.
25+ years of SAC formation and management in Bermuda.A proven, BMA-regulated pathway to capital relief for Asian and international life carriers. We advise on flow reinsurance, Bermuda Class E entity setup and SBA-compliant transactions.
Hands-on, current knowledge of how Bermuda life re structures operate in practice.The cat bond market exceeded $47bn in outstanding issuance in 2025 — over 90% domiciled in Bermuda. We know SPV mechanics, trigger design and investor reporting, because we have audited them from the inside.
In-depth experience with listed catastrophe bonds and ILS vehicles.For specialty lines establishing a Bermuda-based MGA, we guide the structure from incorporation through BMA registration, binding authority setup and ongoing compliance — and stay in as the management infrastructure behind it.
A Bermuda-domiciled MGA is a genuine and underserved niche.Bermuda is the world's leading captive domicile — 600+ active licences, $24bn+ in annual premium. We put underwriting profit back on your balance sheet. Sub-$50M structures are our core business, not an afterthought.
Steve Pearce — 40 years of captive formation in Bermuda. ACMA, ACII, CGMA.Captive insurance and Private Trust Companies also available — ask us.
How it works
One click, real availability. Pick a slot that works across Asian, US or Caribbean business hours.
No pitch. We will tell you honestly whether a Bermuda structure makes sense for your situation.
The principal who scopes your structure is the one who builds it and manages it — permanently.
Boutique by design
35+ years operating on the ground in Hamilton. Every engagement led by a principal. No junior handoffs six months after signing.