Services
Our highly professional team of experienced underwriters and physicians offers underwriting and claims handling support for:
- Life
- Accident
- Disability
- Dread Disease
- Enhanced Annuity products.
Our underwriting support covers all aspects of risk subsumed under the Hannover Life Re Underwriting Pentagon:
- Medical risks: does the applicant's medical history and habits of daily living affect his/her health now or in future?
- Financial risks: the applicant's existing cover, motivation for insurance cover, relation between the applicant, premium and beneficiary
- Occupational risks: is the applicant subjected to specific risks at work?
- Avocational risks: does the applicant practice potentially dangerous sports or hobbies?
- Geographical risks: does the applicant live in potentially dangerous areas, or travel to politically unstable countries?
Our global network of subsidiaries, branches and service offices services international clients in more than 50 countries on all continents.
We practice decentralised medical underwriting; each of our worldwide offices has their own team of experts, creating a unique network of worldwide expertise.
We attach great importance to sound yet competitive underwriting principles and evidenced-based underwriting decisions.
It is our belief that these principles must be allied to detailed training and guidance for underwriters, reflected in our education and training program and in our electronic underwriting manuals.
We support clients with a regular flow of information regarding the latest medical research and its relevance to life and health insurance.
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