Enact Mortgage Insurance Enters into Quota Share Reinsurance Agreement
Enact Holdings (Nasdaq: ACT), a leading private mortgage insurance provider, has announced a significant quota share reinsurance agreement with highly-rated reinsurance providers. Under the agreement, Enact Mortgage Insurance Corporation will cede approximately 34% of expected new insurance written from January 1, 2027, through December 31, 2027.
The reinsurance partners are rated "A-" or better by S&P or A.M. Best, or "A3" or better by Moody's. CEO Rohit Gupta emphasized that this agreement demonstrates the company's commitment to disciplined risk management and efficient capital deployment, supporting their pursuit of high-quality new business and portfolio resilience.
Enact Holdings (Nasdaq: ACT), principale fornitore privato di assicurazioni ipotecarie, ha annunciato un significativo accordo di riassicurazione quota-share con fornitori di riassicurazione di alto livello. Secondo l'accordo, Enact Mortgage Insurance Corporation cederà circa il 34% delle nuove polizze attese scritte dal 1 gennaio 2027 al 31 dicembre 2027.
I partner di riassicurazione hanno rating A- o superiore secondo S&P o A.M. Best, oppure A3 o superiore secondo Moody's. Il CEO Rohit Gupta ha sottolineato che l'accordo evidenzia l'impegno della società per una gestione del rischio disciplinata e per un impiego efficiente del capitale, a supporto della ricerca di nuove attività di alta qualità e della resilienza del portafoglio.
Enact Holdings (Nasdaq: ACT), un destacado proveedor privado de seguros hipotecarios, ha anunciado un importante acuerdo de reaseguro por cuota con aseguradores de alto nivel. Conforme al acuerdo, Enact Mortgage Insurance Corporation cederá aproximadamente el 34% de las nuevas pólizas previstas escritas entre el 1 de enero de 2027 y el 31 de diciembre de 2027.
Los socios de reaseguro tienen calificaciones de A- o superior por parte de S&P o A.M. Best, o A3 o superior por Moody's. El CEO Rohit Gupta enfatizó que este acuerdo demuestra el compromiso de la empresa con una gestión de riesgos disciplinada y una asignación de capital eficiente, respaldando la búsqueda de negocios nuevos de alta calidad y la resiliencia de la cartera.
Enact Holdings (나스닥: ACT)은(는) 선도적인 사적 모기지 보험 공급자로서, 높은 평가를 받는 재보험 공급자들과 중요한 쿼터 공유 재보험 계약을 발표했습니다. 이 계약에 따라 Enact Mortgage Insurance Corporation은 2027년 1월 1일부터 2027년 12월 31일까지 예상 신규 보험의 약 34%를 양도합니다.
재보험 파트너는 S&P 또는 A.M. Best로 A- 이상 또는 Moody's로 A3 이상의 등급을 받고 있습니다. CEO 로힛 구프타는 이 계약이 규율 있는 위험 관리와 효율적인 자본 운용에 대한 회사의 약속을 보여 주며, 고품질 신규 비즈니스를 추구하고 포트폴리오의 회복력을 지원한다고 강조했습니다.
Enact Holdings (Nasdaq : ACT), leader dans l’assurance hypothécaire privée, a annoncé un important accord de réassurance quota-part avec des réassureurs de premier plan. Selon cet accord, Enact Mortgage Insurance Corporation cédera environ 34% des nouvelles assurances attendues écrites du 1er janvier 2027 au 31 décembre 2027.
Les partenaires de réassurance sont notés A- ou mieux par S&P ou A.M. Best, ou A3 ou mieux par Moody's. Le PDG Rohit Gupta a souligné que cet accord démontre l’engagement de l’entreprise envers une gestion des risques disciplinée et une capacité efficace de deployment du capital, soutenant la recherche de nouvelles affaires de haute qualité et la résilience du portefeuille.
Enact Holdings (Nasdaq: ACT), ein führender privater Anbieter von Hypothekenversicherungen, hat eine bedeutende Quoten-Rückversicherungsvereinbarung mit erstklassigen Rückversicherern bekannt gegeben. Im Rahmen der Vereinbarung wird die Enact Mortgage Insurance Corporation rund 34% der erwarteten Neuzusagen von 1. Januar 2027 bis 31. Dezember 2027 übertragen.
Die Rückversicherungspartner haben Anleihenrating von A- oder besser durch S&P oder A.M. Best oder A3 oder besser durch Moody's. CEO Rohit Gupta betonte, dass diese Vereinbarung das Engagement des Unternehmens für disziplinierte Risikohandhabung und eine effiziente Kapitalallokation demonstriere und die Verfolgung hochwertiger Geschäfte sowie die Widerstandsfähigkeit des Portfolios unterstütze.
Enact Holdings (ناسداك: ACT)، مزود تأمين الرهن العقاري الخاص الرائد، يعلن عن اتفاقية إعادة تأمين بنسب حصة quota-share مع مزودي إعادة التأمين ذوي التصنيفات العالية. بموجب الاتفاق، ستقوم Enact Mortgage Insurance Corporation بإعادة نقل ما يقرب من 34% من إجمالي التأمين الجديد المتوقع كتابته من 1 يناير 2027 حتى 31 ديسمبر 2027.
شركاء إعادة التأمين مصنفون A- أو أعلى من قبل S&P أو A.M. Best، أو A3 أو أعلى من Moody's. وأكد الرئيس التنفيذي روهت جوبتا أن هذا الاتفاق يعكس التزام الشركة بالإدارة المنضبطة للمخاطر وتوجيه رأس المال بكفاءة، مع دعم سعيهم لأعمال جديدة عالية الجودة ومرونة المحفظة.
Enact Holdings（纳斯达克：ACT），作为一家领先的私人抵押保险提供商，宣布与多家高评等级的再保险提供商达成一项重要的配额再保险协议。根据该协议，Enact Mortgage Insurance Corporation 将在 2027 年 1 月 1 日至 2027 年 12 月 31 日期间，转让约 34% 的预计新保单承保份额。
再保险伙伴的评级为 S&P 或 A.M. Best 的 A- 级或更高，或 Moody's 的 A3 级或更高。首席执行官 Rohit Gupta 强调，这一协议体现了公司在风险管理上的纪律性以及资本运用的高效性，支持其追求高质量新业务和投资组合的韧性。
- Partnership with highly-rated reinsurance providers (A-/A3 or better)
- Strategic risk management through 34% quota share of new insurance written
- Improved portfolio resilience and capital efficiency
- Reduced potential earnings from ceded insurance premiums
- Exposure to counterparty risk with multiple reinsurance providers
Insights
Enact's new 34% quota share reinsurance agreement strengthens risk management while enhancing capital efficiency for 2027 underwriting.
Enact Mortgage Insurance's new quota share reinsurance agreement represents a strategic capital management decision that will transfer approximately 34% of the risk on new insurance written during 2027 to highly-rated reinsurers. This transaction is significant for several reasons:
The agreement's structure accomplishes dual financial objectives. First, it reduces Enact's risk exposure on new mortgage insurance policies, creating a more resilient portfolio against potential housing market volatility. Second, it optimizes capital efficiency by freeing up resources that would otherwise be reserved against these policies.
The timing is noteworthy - by securing this agreement well in advance of its 2027 effective date, Enact demonstrates forward-looking risk management and locks in reinsurance capacity at current market rates. The quality of reinsurance partners (all rated "A-"/"A3" or better) ensures counterparty stability.
Quota share reinsurance specifically allows Enact to maintain its market presence and continue writing new business while sharing both premiums and potential losses proportionally. This balanced approach contrasts with excess-of-loss structures that only cover catastrophic scenarios.
For investors, this agreement signals management's disciplined approach to capital deployment and underwriting, while maintaining the company's ability to pursue growth opportunities. The transaction ultimately strengthens Enact's financial foundation while preserving its core business model in the mortgage insurance market.
Secures approximately
RALEIGH, N.C., Sept. 25, 2025 (GLOBE NEWSWIRE) -- Enact Holdings, Inc. (Nasdaq: ACT) (Enact), a leading provider of private mortgage insurance through its insurance subsidiaries, today announced that its flagship legal entity, Enact Mortgage Insurance Corporation, has entered into a quota share reinsurance agreement with a broad panel of reinsurers each currently rated “A-” or better by Standard & Poor’s (“S&P”) or A.M. Best Company, Inc., or rated “A3” or better by Moody’s.
Under the agreement, and subject to certain conditions, Enact will cede approximately
“This new quota share agreement underscores our commitment to disciplined risk management and efficient capital deployment,” said Rohit Gupta, President and CEO of Enact. “The transaction supports our pursuit of high-quality new business and improves the resilience of our portfolio. We are grateful for the partnership of our reinsurers and remain focused on advancing our mission and driving long-term value creation.”
Safe Harbor Statement
This communication contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements may address, among other things, our expected financial and operational results, the related assumptions underlying our expected results, guidance concerning the future return of capital and the quotations of management. These forward-looking statements are distinguished by use of words such as “will,” “may,” “would,” “anticipate,” “expect,” “believe,” “designed,” “plan,” “predict,” “project,” “target,” “could,” “should,” or “intend,” the negative of these terms, and similar references to future periods. These views involve risks and uncertainties that are difficult to predict and, accordingly, our actual results may differ materially from the results discussed in our forward-looking statements. Our forward-looking statements contained herein speak only as of the date of this press release. Factors or events that we cannot predict, including risks related to an economic downturn or a recession in the United States and in other countries around the world; changes in political, business, regulatory, and economic conditions; changes in or to Fannie Mae and Freddie Mac (the “GSEs”), whether through Federal legislation, restructurings or a shift in business practices; failure to continue to meet the mortgage insurer eligibility requirements of the GSEs; competition for customers; lenders or investors seeking alternatives to private mortgage insurance; an increase in the number of loans insured through Federal government mortgage insurance programs, including those offered by the Federal Housing Administration; and other factors described in the risk factors contained in our most recent Annual Report on Form 10-K and other filings with the SEC, may cause our actual results to differ from those expressed in forward-looking statements. Although Enact believes the expectations reflected in such forward-looking statements are based on reasonable assumptions, Enact can give no assurance that its expectations will be achieved and it undertakes no obligation to update publicly any forward-looking statements as a result of new information, future events, or otherwise, except as required by applicable law.
About Enact Holdings, Inc.
Enact (Nasdaq: ACT), operating principally through its wholly-owned subsidiary Enact Mortgage Insurance Corporation since 1981, is a leading U.S. private mortgage insurance provider committed to helping more people achieve the dream of homeownership. Building on a deep understanding of lenders' businesses and a legacy of financial strength, we partner with lenders to bring best-in class service, leading underwriting expertise, and extensive risk and capital management to the mortgage process, helping to put more people in homes and keep them there. By empowering customers and their borrowers, Enact seeks to positively impact the lives of those in the communities in which it serves in a sustainable way. Enact is headquartered in Raleigh, North Carolina.
This press release was published by a CLEAR® Verified individual.
Investor Contact Daniel Kohl EnactIR@enactmi.com Media Contact Sarah Wentz Sarah.Wentz@enactmi.com
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