This article develops a model for an expanded application of Alternative Risk Transfer products, to joins together a Finite Quota Share, a Multiline-Multiyear and a Single-Trigger product, explain in the article. For fixing premium copula theory have been applied for modelling the dependence variables involved in the study. Finally, the Insurative Model has been chosen to analyze corporate capital struc- ture because it considers all sources of capital, both on and off-balance sheet.

Key words: Insurative Model, Copula Theory, Finite Quota Share, Single Trig- ger, Alternative Risk Transfer Products, Matlab.

Key words plus: risk (insurance), MATLAB (Computer program).