0.    INTRODUCTION

       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.

1.    SCOPE

1.1   Functional Definition

       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.

1.2   Field of Application

       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.

1.3   Principles

       - 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 GIS 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.

2.    REFERENCES

       See UNTDID, Part 4, Chapter 2.6 UN/ECE UNSM - General Introduction,
       Section 1.

3.    TERMS AND DEFINITIONS

3.1   Standard terms and definitions

       See UNTDID, Part 4, Chapter 2.6 UN/ECE UNSM - General Introduction,
       Section 2.

4.    MESSAGE DEFINITION

4.1   Data Segment Clarification

       This section should be read in conjunction with the Segment
       Table which indicate 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.

4.1.1  Header section

       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:

       Data element  0065 LREACT
                     0052 D
                     0054 97B
                     0051 UN

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.

4.1.2  Detail section

       Information to be provided in the Detail section:


0070   Segment group 1: GIS-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      GIS, General indicator
          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, Amounts relationship details
                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, Amounts relationship details
                   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, Amounts relationship details
                   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 and the control reference number of the
       message.

4.2   Data segment index (Alphabetical sequence by tag)

          AGR Agreement identification
          ARD Amounts relationship details
          ATT Attribute
          BGM Beginning of message
          CTA Contact information
          CUX Currencies
          DTM Date/time/period
          EMP Employment details
          FTX Free text
          GIS General indicator
          ICD Insurance cover description
          IMD Item description
          LOC Place/location identification
          MOA Monetary amount
          PCD Percentage details
          PNA Party identification
          PRC Process identification
          RFF Reference
          RTE Rate details
          SEQ Sequence details
          UNH Message header
          UNT Message trailer

Contents of LREACT