Reinsurance services

At-retirement solutions

The demand for products designed specifically for those reaching retirement is growing steadily.

Hannover Re has extensive experience and expertise in all aspects of developing propositions designed to protect the lives, lifestyles, and families of those who want to secure a life-long income at retirement age.

With progressively ageing societies and a gradual withdrawal of state support in most developed economies around the world, people face increasing challenges when planning for their retirement and care needs in later life.

This fast changing economic and demographic environment is creating a growing demand for products specifically designed for those reaching retirement.

Our expertise

At Hannover Re, we recognise the importance of this market, the heterogeneous requirements of the target group and the potential product that addresses the issues at hand. We are strongly committed to working with our clients to design new and innovative propositions. We enable our clients to meet the needs of people facing retirement, extend their portfolios, and contribute to a more resilient society for the future.

Our clients benefit from the leading role we have secured through pioneering new approaches in longevity solutions such as enhanced annuities, immediate needs products, deferred annuities at retirement, unit-linked annuities, equity release solutions and parents protection plan.

We have developed deep insights into mortality and morbidity experience among older lives. This provides us with a sound knowledge base, allowing us to develop the next generation of longevity products on a worldwide basis together with our clients.

What we offer

Expanding into new markets

Strategically, Hannover Re continues to position itself at the forefront of evolving markets. This was a key factor in our decision to pioneer products like enhanced annuities in the UK.

Hannover Re is a powerful partner for any company seeking to create and maintain a competitive edge when it comes to longevity risk and developing innovative tailor-made solutions for an ever-growing consumer group worldwide.

Risk transfer

Various solutions have been developed to allow defined benefit schemes to transfer all or part of the longevity and investment risk from the Defined Benefit scheme to an insurer. The main solution available to retirement schemes or for insurance companies only wanting to transfer longevity risk, but not investment risk, is the regular premium annuity treaty.


Discover more

You will find more information about products for end-consumers and solutions to optimise your longevity risk exposure here: