Advanced solutions
Advanced Solutions is Hannover Re’s dedicated property and casualty unit for structured reinsurance, aggregate covers and tailor-made solutions. Our underwriters design reinsurance solutions that support our clients worldwide in meeting their financial targets. As a recognised market leader in structured reinsurance for more than three decades, we support a broad client base worldwide – making us a trusted partner for innovative reinsurance.
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Our underwriters manage each transaction from concept to implementation – offering one consistent point of contact and ensuring a seamless experience for our clients.
Tailor-made reinsurance with impact
In Advanced Solutions, we develop concepts that go beyond traditional risk transfer-driven solutions. We support clients with reinsurance concepts designed to meet specific financial goals – such as protecting balance sheets, managing volatility or improving key performance. Our offering is shaped by client needs and built to fit individual objectives and requirements.
What we offer: structured reinsurance and aggregate cover
Our offering is driven by what our clients aim to achieve. Whether the objective is financial optimisation, or the resolution of complex challenges, we create reinsurance solutions that are as individual as the businesses they support. These solutions optimise or complement traditional reinsurance programmes. They are also built to meet specific regulatory and operational requirements, offering strategic value beyond traditional reinsurance.
To meet the diverse needs of our clients worldwide, we cover:
All property & casualty lines of business, including man-made and natural catastrophe risks
Multi-line structures combining short- and long-tail lines of business
Tailored levels of risk transfer to meet client needs
Structured reinsurance for strategic flexibility
Structured reinsurance is a core part of our offering within Advanced Solutions. Structured contracts often include features such as multi-year terms, profit commissions, funding premiums, experience accounts, sliding scales and loss corridors or loss ratio caps. These elements provide flexibility and allow for precise alignment with each client’s requirements.
Our structured reinsurance solutions cover a range of concepts, such as:
- Multi-year excess of loss – offering cost-efficient protection for working layers
- Multi-year aggregate excess of loss – enhancing control of excess frequency when increasing net retentions
- Multi-year stop loss – providing protection for a company’s whole account or selected lines of business
- Surplus relief quota share – offering capital relief with greater control over volume, duration, cost and risk transfer
- Special situation covers – delivering bespoke solutions designed for unique challenges
These structures offer clients a high degree of flexibility and can be adapted to changing needs – even during the term of a multi-year treaty.
Solvency-related covers: a key focus area
Structured reinsurance can play a key role in managing solvency requirements. Advanced Solutions offers proportional and non-proportional concepts that help reduce capital charges and improve regulatory ratios – especially in risk-based capital environments.
Examples include:
- Tailor-made quota share covers – reducing premium and reserve risks to lower capital requirements
- Multi-year stop loss covers – stabilising loss ratios protecting the budgeted capital development and thus reducing volatility in solvency calculations
- Catastrophe frequency covers – mitigating high-frequency natural catastrophe losses to support capital efficiency
These solutions are designed to meet regulatory expectations while delivering financial flexibility and long-term value.
Aggregate covers protecting and increasing capital efficiency
Aggregate covers provide protection against the accumulation of losses over a defined period, regardless of whether they arise from frequency, severity, or a combination of both. They help clients manage portfolio-level volatility by absorbing losses once an agreed aggregate retention is exceeded.
These solutions are particularly effective in risk-based capital frameworks, where they can reduce the value-at-risk, stabilise results and support more efficient capital allocation.
Key benefits:
- Protection against tail-end risks, whether driven by frequency, severity or both
- Improved capital efficiency in RBC environments by lowering value-at-risk (e.g. the 99.5% quantile)
- Aggregate retention structures designed for dividend stability
These covers are especially valuable for clients looking to manage exposure across portfolios and enhance financial resilience.
"Flexibility is at the heart of what we do. We adapt to our clients’ changing needs over the full lifetime of a contract and combine deep expertise with fast, empowered decision-making. That’s how we turn complex requirements into smart, executable solutions."
Experts in smart reinsurance
The Advanced Solutions team combines strong analytical expertise with a deep understanding of economic and regulatory frameworks. Most of our colleagues come from backgrounds in mathematics or economics and bring advanced stochastic know-how to the table. We work closely with our traditional departments and our worldwide branches, fostering a collaborative atmosphere and a positive learning culture. Our focus is always on finding smart, solution-oriented approaches to complex challenges.
Partnerships that go beyond protection
At Advanced Solutions, we believe that the best results come from working closely with our clients. We listen carefully and develop concepts that go beyond traditional reinsurance. Whether through face-to-face meetings or broker collaboration, we create solutions that are both technically sound and strategically valuable.
Our approach is built on long-term relationships, but we also deliver one-off solutions when needed – always with the same level of commitment and flexibility. By bundling global expertise within one team, we ensure fast decision-making and a seamless experience from concept to implementation.
