Life & Health


We aim to build long-term partnerships with our clients. This enables us to deliver a wide range of value-adding services oriented to our clients’ real needs. We offer a full range of reinsurance services to an exceptionally high standard. Furthermore, our key clients benefit from our insights based on our global knowledge.

Providing individual access to a vast range of information and resources, we constantly strive to be open, transparent and accessible.

hr | ReFlex

hr | ReFlex is a modular automated underwriting system that provides immediate and risk-adequate decisions directly at the point of sale. It supports all sales channels and leverages the full potential of an all-digital business process, increasing turnover and profitability. Due to its unique flexibility, allowing new products or features to be integrated very easily, your future investments in product innovations are safe.

hr | Ascent

hr | Ascent is Hannover Re’s online underwriting manual that caters for a broad spectrum of underwriting considerations with varying degrees of complexity. Frequently updated, it proves its dynamic nature and, coupled with the manual’s powerful search engine, hr | Ascent enables our clients to respond rapidly and competitively, saving time in the evaluation of life insurance risks.

hr | decida

For health insurers, making sound choices at the time of application is vital. Our hr | decida underwriting manual supports your complex business, leaving you safe in the knowledge that the questions you will ask your customers and the decisions you will make, are based on medical underwriting expertise gained through many years of experience.

Education & Training

Our modular programmes build up and strengthen day-to-day underwriting and claims-handling skills of life underwriters and claims assessors:

Education & Training

Global service spectrum

In addition to the expert services offered by its local entities, Hannover Re can provide a wide range of value-adding services geared towards each client's individual needs: