Gain in Global Crisis for Reinsurance Company

We believe that everybody were aware for the global crisis where a lot of company affected by the crisis and bring a loss to the company.
My experience in reinsurance treaty renewal that price increase due to global crisis.
In this sentence I just want to say that Reinsurance company will create a gain in the condition by the following terms:

1. rate of risk increased, no doubt it will increase the income.
2. insurance company (frontliner) will protect more. in this condition we should remember that the company will need reinsurance more or demand of reinsurance will increased. market will harder means reinsurer easier to elevate risk of charge.
3. insurance company will need more capacity. means pay more premium to reinsurer and toppest risk (relatively remote) lower exposure to reinsurance company.

This short note showing by global crisis reinsurance company will receive more premium for lower exposure and market will harder and elevate the risk charge will increase reinsurance company income.

warm regards,

fakih wahyudi