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EDIFACT message guide · Insurance

LREACT Life reinsurance activity

The UN/EDIFACT message companies use to exchange insured and policy coverage detail for life reinsurance, ceded or assumed.

Sent by
Ceding life insurer or reinsurer
Received by
Reinsurer or ceding insurer
Standard
UN/EDIFACT · Batch message
X12 equivalent
No direct equivalent

What is the EDIFACT LREACT message?

LREACT is the UN/EDIFACT life reinsurance activity message. The directory defines it as a message companies use to exchange insured and policy coverage detail for reinsurance purposes, for both ceded and assumed reinsurance.

Life reinsurance is administered policy by policy: new business, changes, terminations and premiums for each insured life must be reported to the reinsurer. The activity message carries those events so both parties keep the same records of reinsured coverage. Activity is usually reported monthly or quarterly, depending on the treaty, and reconciled periodically with the reinsurer's records.

How the EDIFACT LREACT message worksDiagram of the UN/EDIFACT LREACT Life reinsurance activity message. Ceding life insurer or reinsurer sends it to reinsurer or ceding insurer. It usually starts the exchange. It is usually followed by LRECLM. Inside the UNB and UNH envelopes, the directory D.21A requires, in the start of message: BGM (Beginning of message) and DTM (Date/time/period) and body and segment groups: the required SG1 loop with GEI (Processing information) and RFF (Reference). 3 conditional segment groups are listed by their trigger segment.How the EDIFACT LREACT message worksLife reinsurance activity: who sends it, where it fits and what the directory marks mandatory1 WHERE IT FITSUSUALLY FOLLOWSStarts the exchangeLREACTSENDERCeding life insurer orreinsurerRECEIVERReinsurer or cedinginsurerCONTRL syntax report back, if agreedUSUALLY FOLLOWED BYLRECLMLife reinsuranceclaims2 WHAT DIRECTORY D.21A REQUIRESInterchange: sender and recipient IDsUNB … UNZMessage LREACTUNH … UNTSTART OF MESSAGEBGMBeginning of messageDTMDate/time/periodBODY AND SEGMENT GROUPSMandatory group SG1 · repeats many timesGEIProcessing informationRFFReference+ 3 conditional groups, starting with:IMDPCDICDBlue box: mandatory segment group. Conditional groups are listed by the trigger segment that starts them; a group is sent only when its data applies.Conditional segments outside groups are not drawn.Structure: mandatory segments and groups in the UN/EDIFACT directory D.21A listing for LREACT. Your trading partner's implementation guide adds itsown requirements.
How the EDIFACT LREACT message worksDiagram of the UN/EDIFACT LREACT Life reinsurance activity message. Ceding life insurer or reinsurer sends it to reinsurer or ceding insurer. It usually starts the exchange. It is usually followed by LRECLM. Inside the UNB and UNH envelopes, the directory D.21A requires, in the start of message: BGM (Beginning of message) and DTM (Date/time/period) and body and segment groups: the required SG1 loop with GEI (Processing information) and RFF (Reference). 3 conditional segment groups are listed by their trigger segment.How the EDIFACT LREACTmessage worksLife reinsurance activity: who sends it, where itfits and what the directory marks mandatory1 WHERE IT FITSUSUALLY FOLLOWSStarts the exchangeLREACTSENDERCeding lifeinsurer orreinsurerRECEIVERReinsurer orceding insurerCONTRL syntax report back, if agreedUSUALLY FOLLOWED BYLRECLMLife reinsurance claims2 WHAT DIRECTORY D.21A REQUIRESInterchange: sender and recipient IDs(UNB … UNZ)Message LREACT (UNH … UNT)START OF MESSAGEBGMBeginning of messageDTMDate/time/periodBODY AND SEGMENT GROUPSMandatory group SG1 · repeatsmany timesGEIProcessing informationRFFReference+ 3 conditional groups, starting with:IMDPCDICDBlue box: mandatory segment group. Conditionalgroups are listed by the trigger segment thatstarts them; a group is sent only when its dataapplies. Conditional segments outside groups arenot drawn.Structure: mandatory segments and groups in theUN/EDIFACT directory D.21A listing for LREACT.Your trading partner's implementation guide adds itsown requirements.

How to read this diagram: the top row shows who sends LREACT, to whom, and which messages usually come before and after it. The lower part shows what the directory D.21A itself requires: the envelopes around LREACT and the segments and segment groups it marks mandatory. Conditional groups are listed by their trigger segment rather than drawn in full. This is the directory's minimum, not a trading partner's requirement: a message implementation guide, such as an industry subset or a partner’s own guide, usually makes some conditional groups mandatory, restricts the codes and may use an older directory.

Expand diagram Download SVG

When it is used

  • Reporting new life policies ceded to a reinsurer
  • Reporting changes and terminations
  • Reporting reinsurance premiums per policy

Where it fits in the message flow

This message LREACT Life reinsurance activity
Usually followed by LRECLM Life reinsurance claims

Structure

Mandatory segments in LREACT (directory D.21A)

In UN/EDIFACT directory D.21A, the LREACT message has 37 segment positions arranged in 9 segment groups. These are the segments and segment groups marked mandatory at message level, in order; a mandatory group is shown with the segment that starts it. Segments inside conditional groups are needed only when the group is used. This is the directory’s requirement, not your trading partner’s: each partner’s message implementation guide names the directory it uses, often an older one such as D.96A or D.01B where the structure can differ, makes some conditional segments mandatory and restricts the codes.

  • UNH
  • BGM
  • DTM
  • SG1 (GEI)
  • UNT

Practical example

LREACT in practice

A life insurer cedes the excess over its retention on large policies. Each month it sends the reinsurer an LREACT with new policies above retention, increases and terminations, with the insured amounts and reinsurance premiums. The reinsurer updates its records and checks premiums against the treaty.

Implementation

Implementation considerations for LREACT

  • Protect personal and health data under applicable law.
  • Report each event promptly, with the date it takes effect.
  • Reconcile reinsured amounts periodically.
  • Use policy identifiers both parties keep.

How ECOM helps

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Industry

Financial Services

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Industry

Healthcare

Secure B2B integration and file transfer for providers, suppliers, distributors and healthcare partners.

Solution

B2B Integration

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Compare X12 and EDIFACT, or see answers to general questions in the EDI FAQ.

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