---
title: "Reinsurance Burning Cost & XL Layer Pricer"
method: POST
path: "/v1/tools/price_reinsurance_burning_cost"
tags: ["reinsurance", "burning-cost", "excess-of-loss", "XL", "treaty-pricing", "technical-premium", "as-if", "reinstatement", "IBNR", "loss-trend", "sensitivity", "CAS", "actuarial", "Zero-PII"]
---

# Reinsurance Burning Cost & XL Layer Pricer

`POST /v1/tools/price_reinsurance_burning_cost`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/price_reinsurance_burning_cost`
- Auth: none declared

Price an excess-of-loss (XL) reinsurance layer using the burning cost method (CAS Basics of Reinsurance Pricing). Enter historical loss experience and the layer structure; the tool trends ground-up losses to the prospective period, applies an IBNR load, computes the as-if per-occurrence (or aggregate) layer loss per year, and returns the burning cost rate, technical rate, technical premium, reinstatement cost, a year-by-year table, and a 5x5 attachment x limit sensitivity grid. Flags low credibility when fewer than 5 years or fewer than 5 non-zero layer years. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/456-reinsurance-burning-cost-pricer.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `attach` number, required
  - `limit` number, required
  - `treatyType` 'per_occ' | 'aggregate'
  - `trend` number
  - `trendYears` number
  - `ibnr` number
  - `targetLR` number, required
  - `prospPrem` number
  - `loss_experience` object[]

## Response `200`

Successful tool execution result

- object
  - `burning_cost_rate` number
  - `technical_rate` number
  - `technical_premium` number
  - `expected_layer_loss` number
  - `implied_loss_ratio_pct` number
  - `reinstatement_cost` number
  - `credibility_low` boolean

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)