Life & Health


Business lines

We serve clients worldwide in three main areas:

  • Financial solutions
  • Traditional reinsurance
  • Longevity solutions

Our considerable experience in assessing risks - gained through our involvement in a variety of global insurance markets - and our in-house expertise in structuring transactions, position HRI to create win-win solutions for our clients. This is underpinned by the financial strength of HRI and the Hannover Re Group. Our experience combined with a swift, client-centric approach enables us to understand our clients’ business models so we can build customised solutions for their unique problems, in line with international accounting rules, regulatory compliance and risk-transfer standards.

Financial solutions

We offer an array of structured reinsurance solutions. These solutions can be designed to focus on assisting clients with capital management and offer significant benefits over traditional capital market equity and debt solutions. A strong and liquid capital base allows us to provide both cash and non-cash financial solutions to service our clients’ needs.
Our tailor-made solutions enable our clients to:

  • Absorb new business strain
  • Enter into new ventures
  • Support mergers and acquisitions
  • Optimise tax, reserving, solvency and surplus requirements
  • Release embedded values for maturing profits

Traditional reinsurance

Our proportional mortality and morbidity solutions assist clients to:

  • Reduce the claims volatility inherent in small but growing blocks of business
  • Offer insurance to high net worth individuals by using proportional reinsurance to extend capacity beyond their internal risk tolerance levels

Longevity solutions

Our team has extensive experience in developing longevity products for both banks and insurance companies. Working across the full spectrum of longevity impairment, we help our clients manage longevity risk exposures, tailoring our solutions to suit the nature and term of their specific products and portfolios. Structured solutions can be created, bearing in mind the client’s specific requirements, to provide cost effective risk and capital management.