Request note

A document whereby an insurer presents a reinsurer with particulars of a risk proposed for facultative reinsurance. The reinsurer may respond with a take note stating the amount of reinsurance undertaken.

Required by law

Under the Health Insurance Portability and Accountability Act (HIPAA), mandate contained in law that compels a covered entity to make use or disclosure of protected health information and that is enforceable in a court of law such as court orders and subpoenas.

Required minimum margin (RMM)

The minimum margin of solvency required at all times of regulated general and long-term insurers. Firms in breach must provide a plan to restore their financial position. The FSA definition of RMM is effectively a weighted average of provisions (life insurance) or premiums/claims in non-life business, but the FSA, taking its ‘realistic approach’, looks at the way RMM, often conservative, has been calculated. See SOLVENCY MARGIN.