Reinsurance helps non-life insurance companies in Nigeria manage risks, but relying too much on it can hurt their income. The study looked at how reinsurance affects the financial performance of these insurers. They found that using more reinsurance leads to higher premium growth, and depending more on reinsurance improves profitability. To keep growing, insurers should use reinsurance for high-risk situations, and focus on managing claims to reduce costs and risks.