Life & Health


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.

The Hannover Re UK Life Branch has a track record of designing solutions to respond to constantly evolving customer needs. We offer a range of innovative reinsurance and financial solutions to help providers address these many areas. Whether that is 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, the Hannover Re UK Life Branch 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, online or direct channels.

Critical illness

Critical illness cover has been one of the most successful product innovations in the UK life insurance 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-proof by taking account of developing and forecast disease trend analysis.


With our extensive global expertise of longevity markets, we have supported our clients for many years with the development of tailored solutions covering all aspects of longevity risk, from individual annuities to bulk annuity transfers and solvency optimal structure. We serve the UK market via a team of local and Hannover-based experts, providing access to a worldwide knowledge base. Learn more about our longevity experts in Hannover here:


Financial Solutions

We offer a range of niche reinsurance solutions ranging from standard to bespoke transactions. These can offer significant benefits over traditional capital market equity and debt solutions.

Our tailor-made solutions enable our clients to:

  • absorb new business strain
  • enter into new ventures
  • support mergers and acquisitions
  • optimise their balance sheet, including solvency capital, reserving, tax and surplus requirements
  • release embedded values for maturing profits

Contact us

Get in touch to learn more about our protection or longevity reinsurance solutions:

Contacts overview

International range of solutions

From standardised products to tailor-made reinsurance solutions, find out what Hannover Re can provide in addition to its local entities’ solution offerings: