Proven Expertise, Innovative Solutions
The Individual Life department is involved in the pricing of individual life insurance treaties, providing support on product development and designing innovative reinsurance solutions to address specific client needs. We have a strong team of experienced actuaries who are motivated to provide high quality service to our clients.

Growth through acquisition

For many insurance companies, achieving sustainable growth through traditional methods is becoming increasingly difficult. However, it is possible to grow and gain a competitive edge by acquiring companies or portfolios of business. Munich Re has the proven expertise you need to analyze potential financial opportunities, maximize the effectiveness of reinsurance techniques, and minimize exposure to risk.

Prospect analysis
If a company or portfolio is being actively marketed for sale, there is a formal bidding process. Under these circumstances, we can provide a team to work closely with you through every step of the process, or we can simply provide a competitive reinsurance quote. (As you would expect, full confidentiality is maintained through every step of the process.)

Effective uses of reinsurance
Your chances of success in the bidding process can be enhanced by leveraging our capital, which is often available at a lower cost than alternative sources of financing. As always, we offer a variety of solutions to meet each client's specific needs:

• reinsuring in-force blocks of business to free up capital
• using our aggressive reinsurance pricing to improve your bid on blocks we view favourably
• proposing innovative reinsurance structures

Product risk management
While there are inherent risks in any acquisition, Munich Re can help minimize your exposure. For example, if there are business risks that do not fit with your strategic plans, an option may be to cede this risk to Munich Re. This, in turn, allows you to focus on the core products and lines of business that provide the best fit with your development plans.

Low-cost capital, plus technical expertise
Munich Re is able to provide, with very short notice, large amounts of capital plus innovative ideas on how to manage capital effectively and efficiently. Moreover, our capital is often available at a lower cost than other sources of financing.

Improving ROE
Reinsurance from Munich Re helps you meet ROE targets while replacing fluctuating or unknown cash flows with fixed reinsurance cash flows. You can also generate additional income by taking advantage of differences in views on the various pricing assumptions. In addition, excess actuarial liabilities can be released and deployed elsewhere in the company.

Managing volatility
With Munich Re's custom-made reinsurance program, you can better manage claims volatility, an important objective for any insurer. We also offer protection for over-exposure to high amounts of insurance on individual lives.

Structured Reinsurance
Munich Re has the tools and the expertise you need to employ capital efficiently. This added value is achieved by providing innovative reinsurance solutions and by offering aggressive reinsurance terms.

New products and emerging markets

Past experience shows optimal results are achieved by taking a partnership approach where we share with you our unmatched technical and business expertise in product development, pricing, valuation, underwriting, claims and marketing.

Call Munich Re when you need help to define target markets; develop competitive product comparisons; obtain technical data for marketing materials; develop product launch presentations and promotional material for producers.