Aon Client Treaty Expands to 35% Co-insurance for 2027
The 1.5% ACT Client Dividend will apply to a larger share of eligible placements, where local rules permit.
Sentiment and the balance of points
Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.
Rhea-AI Summary
Aon (NYSE: AON) renewed its Aon Client Treaty, expanding eligible co-insurance capacity to 35% from January 1, 2027.
The facility covers eligible business placed through Aon's Global Broking Centre and facultative reinsurance, which covers individual risks, placed by Reinsurance Solutions. The share rises from 28.5% for 2026. The 1.5% ACT Client Dividend will apply to the larger share where local law and regulation permit and eligibility requirements are met. QBE leads the facility, which is backed by Lloyd's syndicates. Since its launch in 2016, ACT has placed more than $5 billion in gross written premium.
How this balance works
Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.
It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.
Rhea-AI Sentiment measures something else, the tone of the wording.
Hollow bars mark forward-looking points. How the balance works
Positive
- Moderate point. Forward-looking: it has not happened yet and may not happen.ACT renewal expands eligible co-insurance capacity to 35% from 28.5%, effective January 1, 2027.
- Minor point. Forward-looking: it has not happened yet and may not happen.The 1.5% ACT Client Dividend will apply to the larger eligible placement share.
Negative
- Minor pointACT access requires client agreement and eligibility; the dividend also depends on local law and regulation.
Key Figures
- Co-insurance share
- 35%
- Eligible placements beginning 1 January 2027; up from 28.5% for 2026
- Prior co-insurance share
- 28.5%
- ACT share for 2026
- ACT Client Dividend
- 1.5%
- Applies to the larger 35% share, subject to eligibility and local law
- Gross written premium placed
- More than $5 billion
- ACT since its 2016 launch
- Expansion effective date
- 1 January 2027
- Start of the expanded co-insurance share
Key Terms
co-insurance technical
facultative reinsurance technical
AI-generated analysis. How Rhea-AI works. Not financial advice.
- Flagship facility will co-insure eligible business placed through Aon's Global Broking Centre and facultative reinsurance business, up from
28.5% for 2026 - The
1.5% ACT Client Dividend will apply to a larger share of each eligible placement
From 1 January 2027, the facility will enable
"As the risks our clients face grow more complex and interconnected, efficient access to risk capital has never been more important," said Joe Peiser, CEO, Risk Capital, Aon. "Increasing ACT to
The facility is led by QBE and backed by Lloyd's syndicates. Lloyd's is rated AA- by S&P and A+ by AM Best. Clients who choose to use ACT access its capacity on the same terms and pricing as the lead placement and may also be eligible for the dividend. Use of ACT is subject to client agreement, and Aon manages placements in line with its conflicts of interest framework.
The expansion for 2027 is particularly significant for facultative reinsurance, which ACT has supported since late 2025. Insurers placing large or complex individual risks through Aon can now access committed capacity, subject to eligibility criteria, for a larger portion of each placement.
"ACT continues to evolve with what our clients need," said Helene Madell, CEO, Global Broking Centre, Aon. "Facultative reinsurance has quickly become one of the facility's most important areas of growth and moving to
Since its launch in 2016, ACT has placed more than
Learn more about ACT here.
About Aon
Aon plc (NYSE: AON) exists to shape decisions for the better — to protect and enrich the lives of people around the world. Through actionable analytic insight, globally integrated Risk Capital and Human Capital expertise, and locally relevant solutions, our colleagues provide clients in over 120 countries with the clarity and confidence to make better risk and people decisions that help protect and grow their businesses.
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SOURCE Aon plc
FAQ
AI-generated questions and answers. How Rhea-AI works. Not financial advice.
What changes with Aon's ACT renewal for 2027?
ACT will provide 35% co-insurance on eligible placements from January 1, 2027, up from 28.5% for 2026. This covers eligible Global Broking Centre business and facultative reinsurance placed by Aon's Reinsurance Solutions.
What terms and pricing apply when Aon clients use ACT?
Clients choosing ACT access its capacity on the same terms and pricing as the lead placement. Use requires client agreement, and Aon manages placements under its conflicts of interest framework.