0. INTRODUCTION
1. SCOPE
   1. Functional definition
   2. Field of application
   3. Principles
2. REFERENCES
3. TERMS AND DEFINITIONS
   1. Standard terms and definitions
4. MESSAGE DEFINITION
   1. Segment clarification
      1. Header section
      2. Detail section
   2. Segment index (alphabetical sequence by tag)
   3. Message structure
      1. Segment table

This specification provides the definition of the Life reinsurance activity message (LREACT) to be used in Electronic Data Interchange (EDI) between trading partners involved in administration, commerce and transport.

The LREACT message is used by companies to exchange insured and policy coverage detail for reinsurance purposes. The message will be used for both ceded and assumed reinsurance.

The trading partners utilizing the Life reinsurance activity message will be direct companies, reinsurance companies, reinsurance intermediaries and retrocessionaires. The message will be used to transmit data required by ceding and assuming companies to maintain the records on reinsured cessions. This data supports the reinsurer's ability to appropriately account for, manage, study, value (reserve) and complete their financial reporting. It also facilitates the reconciliation of the reinsurance records in order to maintain the integrity of the data between the trading partners.

The Life reinsurance activity message may be used for both national and international applications. It is based on universal practice related to administration, commerce and transport, and is not dependent on the type of business or industry.

• The Life reinsurance activity message contains information about reinsured individual life insurance policies, reinsured disability insurance policies and reinsured annuity contracts administered under the terms and conditions of a treaty.
• This message provides the reinsurance information about the base policy, the insureds and the coverages of a single policy or group of policies.
• This message is only used to communicate information of policies from the time of reinsurance issue to the time of reinsurance termination.
• The partners exchange data based on trading partner agreements defining the use of the data segments contained within the Life reinsurance activity message.
• The message can be sent for purposes of confirming the details of a policy or group of policies and the associated insureds and coverages under a specific agreement.
• The message can be used to communicate information regarding the status of the policy, the changes to the policy and the valuation of a policy or group of policies.
• The message structure is generalised by specifying several conditional segments and segment groups. Only a subset of the conditional segments may be needed to meet particular requirements. Users intending to use the message for their particular requirements should study the message structure to identify the segments and segment groups required to meet their needs.
• The intent of the structural design of this message is to allow for optimal efficiency of transmission. The business function has the complex "many to many" relationship of insureds to coverages. This message allows the flexibility to structure the data in order to optimize transmission costs or optimize clarity.
• The message flows among partners; the partners may change roles in the transmission. That is to say, that the cedent may be the originator of the transmission, or may be the recipient of the transmission (from the reinsurer).
• The message is not intended to bear any relation to any particular paper report that trading partners may have used. However, the proprietary nature of the data in the message is the same as when it is sent on a paper report or magnetic media.
• A "claim status" is included to allow for active policies with disability claims. There is no intention to communicate any other claims information using this message.
• The value contained in the GEI segment indicates whether the parent segment group contains policy, insured, coverage or relationship data. If the parent group contains policy data, then it can also contain a policy segment group. If the parent segment group contains insured data then it can also contain an insured segment group. If the parent segment group contains coverage data, then it can also contain a coverage segment group. If the parent segment group contains relationship data, then it can contain no other segment groups.
• Coverages can apply to one or more insureds. The relationship between insureds and coverages can either be defined implicitly or explicitly.

When no relationship groups are defined for a policy, the relationship is implicit:

• coverage segment group(s) immediately following an insured segment group and before the next policy or insured segment group is related to that insured;
• insured segment group(s) immediately following a coverage segment group and before the next policy or coverage segment group is related to that coverage.

For joint life cases, this method can introduce considerable redundancy in the message. To explicitly define the relationship between the insureds and the coverages, the relationship segment group is used. A policy would then be structured as a policy segment group followed by one or more insured segment groups, then one or more coverage segment groups, then one or more relationship segment groups. Each relationship segment group would contain the insured sequence number and the related coverage sequence number.

See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General Introduction, Section 1.

See UNTDID, Part 4, Chapter 2.3 UN/ECE UNSM - General Introduction, Section 2.

This section should be read in conjunction with the segment table which indicates mandatory, conditional and repeating requirements.

The following guidelines and principles apply to the whole message and are intended to facilitate the understanding and implementation of the message:

• All specified dates should include the century unless all parties involved in the transaction agree that there is a functional requirement for an alternative format.
• Where a choice of code or text is given only the code element should be used wherever possible.

Information to be provided in the Header section:

0010 UNH, Message header

A service segment starting and uniquely identifying a message. The message type code for the Life reinsurance activity message is LREACT.

Note: Life reinsurance activity messages conforming to this document must contain the following data in segment UNH, composite S009:

0020 BGM, Beginning of message

This segment specifies a message code which indicates whether this message contains policy status information, policy activity information or both.

0030 DTM, Date/time/period

A segment specifying the reporting period ending date.

0040 CUX, Currencies

A segment identifying the default currency and its scaling factor for monetary amounts in this message.

0050 CTA, Contact information

A segment identifying a person(s) or department(s), and their function(s), to whom communications should be directed.

0060 FTX, Free text

A segment with free text information, in coded or clear form, used when additional information is needed but cannot be accommodated within other segments. In computer to computer exchanges such text will normally require the receiver to process this segment manually.

Information to be provided in the Detail section:

0070 Segment group 1: GEI-RFF-ATT-DTM-FTX-SG2-SG3-SG4 A group of segments containing policy, insured, coverage or relationship data. Depending on the contents of this parent segment group, the segment group can also contain a policy segment group, insured segment group or coverage segment group.

0080 GEI, Processing information

This indicator specifies a code which indicates whether this group is a policy, insured, coverage or relationship group.

0090 RFF, Reference

A segment identifying references conditional upon the general indicator above:

- for a policy group: the policy number and case identifier.

- for an insured group: a unique number identifying each of the insureds and optionally an original policy number from which a continuation resulted.

- for a coverage group: a unique number identifying each of the coverages on a policy, the policy form number, the plan code and the rate band indicator.

- for a relationship group: the unique number identifying the insured and the unique number identifying the coverage applied to that insured. This allows insured groups and coverage groups to be related to each other.

0100 ATT, Attribute

A segment providing attributes conditional upon the general indicator above:

- for a policy group: the policy activity currently being reported

- for an insured group: the insured's gender

- for a coverage group: the attributes of the coverage are described.

0110 DTM, Date/time/period

A segment specifying general dates or durations related to the policy, the insured or the coverage.

- for a policy group: the transaction effective date

- for an insured group: the insured's birth date and the mortality rating expiry date

- for a coverage group: dates associated with the coverage are defined.

0120 FTX, Free text

A segment with free text information, in coded or clear form, used when additional information is needed but cannot be accommodated within other segments. In computer to computer exchanges such text will normally require the receiver to process this segment manually.

0130 Segment Group 2: IMD-LOC-SEQ-CUX-PNA

A group of segments in which is detailed policy information.

0140 IMD, Item description

A segment indicating if the policy is single life or joint life.

0150 LOC, Place/location identification

A segment giving location information for the place of issue and the owner place of residence.

0160 SEQ, Sequence details

A segment providing the transaction sequence number. This segment is required when the BGM indicates that the message contains transaction activity.

0170 CUX, Currencies

A segment identifying the default currency and its multiplying factor for all monetary amounts in this policy.

0180 PNA, Party identification

A segment identifying the names of the parties, in coded or clear form, and their functions relevant to the message. Identification of the direct writing company of this policy and any intermediary, third party administrator, of this policy. It is recommended that where possible only the coded form of the party identification should be specified; e.g. if the direct writer and intermediary names are known to the sender and receiver, then only the coded identification is required.

0190 Segment Group 3: PCD-PNA-LOC

A group of segments in which is detailed insured information.

0200 PCD, Percentage details

A segment specifying the mortality or morbidity rating of the insured. The underwriting table rating assigned to the insured is generally expressed as a percentage where 100% is standard. Any rating scheme, however, can be used with agreement between the sending and receiving companies.

0210 PNA, Party identification

A segment identifying the name and universal identifier of the insured.

0220 LOC, Place/location identification

A segment giving the location of the insured's place of residence.

0230 Segment Group 4: ICD-PCD-EMP-AGR-LOC-SG5-SG6-SG8

A group of segments in which is detailed coverage information.

0240 ICD, Insurance cover description

A segment giving insurance cover risk type.

0250 PCD, Percentage details

A segment specifying the mortality or morbidity rating, the Cost of Living Adjustment benefit for disability income riders and mortgage interest rate associated with mortgage plans.

0260 EMP, Employment details

A segment providing the occupation class of the insured for purposes of this coverage as defined by the issuing company (required for disability income coverages).

0270 AGR, Agreement identification

This segment will be used to provide both the reinsurer's and the cedent's treaty identification for this coverage.

0280 LOC, Place/location identification

This segment identifies the insured's place of residence for this coverage.

0290 Segment Group 5: MOA-ARD

A group of segments in which is detailed monetary amounts and their purpose for the coverage.

0300 MOA, Monetary amount

A segment specifying a monetary amount.

0310 ARD, Monetary amount function

A segment specifying the purpose of the monetary amount.

0320 Segment Group 6: RTE-ATT-DTM-SG7

A group of segments which details flat extra premiums associated with this coverage.

0330 RTE, Rate details

A segment specifying the rate at which the flat extra premium is calculated per unit.

0340 ATT, Attribute

A segment specifying the basis for calculating the flat extra premium e.g. face or net amount at risk.

0350 DTM, Date/time/period

A segment specifying the duration for charging the additional flat extra premium.

0360 Segment Group 7: MOA-ARD

A group of segments in which is detailed monetary amounts and their purpose for the flat extra premium.

0370 MOA, Monetary amount

A segment specifying a monetary amount.

0380 ARD, Monetary amount function

A segment specifying the purpose of the monetary amount.

0390 Segment Group 8: PRC-ATT-PCD-SG9

A group of segments which details the valuations associated with this coverage.

0400 PRC, Process identification

A segment providing the purpose of the valuation e.g. United States Tax, Generally Accepted Accounting Principles, etc.

0410 ATT, Attribute

A segment identifying the standard mortality or morbidity table, the standard function, the standard method and substandard method used in calculating this reserve.

0420 PCD, Percentage details

A segment specifying the standard interest rate used in calculating reserves for this coverage.

0430 Segment Group 9: MOA-ARD

A group of segments in which is detailed monetary amounts and their purpose for the valuations.

0440 MOA, Monetary amount

A segment specifying a monetary amount.

0450 ARD, Monetary amount function

A segment specifying the purpose of the monetary amount.

0460 UNT, Message trailer

A service segment ending a message, giving the total number of segments in the message (including the UNH & UNT) and the control reference number of the message.