The article investigates how the underwriting process in facultative reinsurance affects the balance of an insurance company's portfolio. By analyzing this process, the researchers found that underwriting in facultative reinsurance has a significant impact on the financial stability and balance of the insurer's portfolio. They identified key business processes in reinsurance, economic relationships between parties, and the interests of assignors and reinsurers. The study concludes that underwriting in facultative reinsurance plays a crucial role in maintaining the balance of an insurance portfolio.