Multinational pooling

How it works

Concept of multinational pooling

A financial accounting tool that can help multinational companies manage the risk of their global employee benefit plans. Savings can be achieved by combining the experience of local insured employee benefit plans into an AIG Global Benefits Network multinational pool.  The pool creates the potential for a partial premium refund through an international dividend. 

Which employee benefits

Pension

The risk part of pension plans can be pooled

Life

Group life plans, lump sum or annuities

 

Disability

Short or long term disability

 

Medical

In- or outpatient benefits

 

Which multinationals

Stand-alone Pool (+300 employees)

An Independent pool contains only your company's Employee Benefit contracts that are held by our network partners.  This allows your company experience to drive any surplus in the pool.  In order to operate a Stand-Alone pool, we require coverages from at least 2 separate countries and a combined total lives of 300 or more.  We offer several Self-Experienced pooling systems to manage the risk of negative pool balances.

Multinational Aggregate Pooling System (+50 employees)

Our Aggregate pool is made up of several company pools that are not large enough to be Self-Experienced.  These smaller pools are grouped together for stability.  This allows your company to participate in the possibility of surpluses when limited coverages are placed with our network partners.  In order to participate, we require coverages from at least 2 separate countries and a combined total lives of 50 or more.