By offering reinsurance arrangements Hannover Re helps to provide individuals and undertakings with reliable and long-term protection against a broad range of risks and potentially large losses. The Hannover Re Group transacts all lines of property & casualty and life & health reinsurance worldwide. Its products and services are optimally tailored to the individual requirements of clients and the specific conditions of each market. The ethical and moral standards that the Group sets for its own actions also make themselves felt in its products and services and in dealings with its customers. With tailored solutions, such as covers for agricultural risks to alleviate the financial burdens associated with damage caused by drought, Hannover Re responds systematically to changing global risk factors and plays a major role in increasing insurance density, including in developing and emerging markets.

Sustainable insurance solutions

Along with traditional risks, environmental issues are an essential element of Hannover Re's business activities on account of the associated high risk potential – especially in property and casualty reinsurance. Minimising adverse environmental impacts is therefore an important goal for Hannover Re. With this in mind, the company is always interested in working with its customers on the development of insurance solutions specifically geared to delivering environmental benefits.

In the area of longevity products on the life and health reinsurance side we are tackling the trend towards a rising life expectancy with our range of enhanced annuities. Through the online sale of life insurance products as well as our active support for health business on markets with inadequate healthcare provision, we contribute to social and financial inclusion and increase insurance density on a number of markets. Furthermore, we promote insureds' healthy living through holistic lifestyle insurance concepts and in South Africa, for example, we support a primary insurer that enables its customers to invest part of the premium for charitable purposes when they purchase an insurance policy.