Profitable Group Benefits
The management of the Group Benefit lines is a challenge for most insurers, especially with the volatile LTD line. At the same time, there is pressure to provide the stable, predictable premium levels that satisfy policyholders.

Munich Re answers this challenge with a range of Group Insurance services, including Employer Group, Creditor or Association insurance, for large, medium or small case markets. We also offer a full array of reinsurance products, including Disability, Life, Accident, Critical Illness, Long Term Care, Health, Dental and Special Risk coverages. A comprehensive reinsurance program provides protection against shock losses, protection against volatility and optimization of required capital by reducing the capital required to support your Group operations.

Group LTD underwriting and claims advice
Through our extensive array of services for Disability clients, we can review the guidelines and procedures for your client's marketplace. In addition, on a periodic basis, we perform file reviews to help identify practices and procedures that can be improved and we provide advice on special cases. We periodically publish reference guides on case management tools and offer training programs.

Pricing and risk management service
Recognizing that the rating of the Group Benefits determines the quality and type of business written, we help our clients research, design and formulate enhancements to their rating systems.

Results analysis service
In our partnership role, we help monitor client portfolios and, when necessary, recommend proactive measures that support continued profitability.

Product development service
We do extensive research and development on both new and existing Group products. Critical Illness and Long Term Care insurance are two recent initiatives that have been supported with significant resources.