Persons with a reduced life expectancy can receive higher annuities thanks to individual underwriting. We have played a pioneering role in revolutionising the UK market through the launch of such enhanced annuities.

In many parts of the world crops are already insured against hail, flood, drought and frost damage, in some cases with government support. We are developing such insurance solutions for emerging and developing countries as well.

In 2010 the population of 30 megacities surpassed the 10 million threshold, with as many as 18 of them located in emerging countries. Demographics and infrastructure entail both risks and opportunities: we have increasingly expanded our presence in emerging markets.