The UK is amongst the most competitive insurance markets in the world for product providers to operate. From aligning product design and underwriting criteria to your chosen distribution channel, new business processing and retail pricing optimisation, to operating effective yet efficient claims management, all against the backdrop increasingly focused regulatory oversight.

Hannover Re UK Life Branch offers a range of reassurance and financial solutions to help providers address these many of areas. Whether developing a simple term product or a later life risk proposition, identifying a reinsurance structure which helps to ease new business strain or a more complex financial solution to manage your balance sheet. we have something different and something more to offer.

Individual Protection


Products covering mortality risk represent the largest spectrum and the largest segment of the individual UK protection market. Through an ongoing programme of experience analysis, mortality studies and additional research including future trend analysis Hannover Re UK Life Branch’s team has a wealth of insight to share with our mortality market clients. 

In addition to product design and pricing expertise, we have worked with clients to create engaging and effective underwriting processes, whether they’re distributing products via intermediated, telephone supported, self-service online or direct response (e.g. newspaper ad, radio or TV) channels. 

Critical illness

Critical illness cover has been one of the most successful product innovations in the UK life assurance market and Hannover Re UK Life Branch has been at the forefront of its development. Working closely with our clients we have developed simple products suited to direct distribution as well as a market leading full severity cover product. We have introduced valuable new product concepts such as retrospection cover, which enables our clients to offer newly launched benefits to existing policyholders without the need to start a new policy or be re-underwritten and have stretched the boundaries of existing benefits, such as market leading terms for people living with HIV. Through our in-house medical risk research team we are able to help our clients design and maintain products which are future proofed by taking account of developing and forecast disease trend analysis.

Income protection

By providing a monthly tax-free payment for policyholders unable to work through long term sickness or injury, income protection offers a source of protection that is more valuable than ever in these uncertain times. We offer a range of solutions that can be tailored to suit the needs of your policyholders and their families.


As a leading annuity provider, with experience of annuity markets right around the world, our expertise covers all aspects of longevity risk from individual annuities to bulk annuity transfers and other financial solutions.

Contact us

Contact us to learn more about our protection or longevity reinsurance solutions: