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Medical Risk Expertise

Inform your decisioning with medical risk research and trend insights.

Find out how
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    Keep your insurance products up to date with the guidance of clinically trained medical risk experts.

    At Munich Re Life US, we keep a close watch on research and medical advances and translate them into actionable information. We also keep you informed of evidence-based technology and solutions that can benefit policyholders. 

    Medical doctors with insurance medicine expertise

    In a market flooded with innovation, it can be difficult to determine where to funnel resources for maximum benefit. Access our team of medical risk experts ready to help you understand the risk impact of developments in disease, treatments, and technical advances. 
    Clinical backgrounds
    Our medical experts bring real-world experience to understanding risk.
    Up-to-date insights
    We follow the latest research and trends to share relevant risk intelligence.
    Evidence-based advice
    We translate research and data into actionable product and pricing decisions.
    Gina Guzman
    © Kardas Photography
    We really pride ourselves on being an evidence-based medical shop. All of the medical research we do, for example in breast cancer, thyroid cancer, and melanoma, incorporates any treatment advances that improve prognosis. This can translate into improved mortality and morbidity expectations published as updates in our underwriting guidelines. Clients who follow our guidelines should be able to expand insurability by offering insurance to more people who should qualify.
    Gina Guzman
    Chief Medical Director

    Our approach

    We provide clients with the insights and support of a team of medical experts who combine clinical backgrounds with deep mortality methodology expertise. 

    Our medical experts can answer your specific questions about medical trends and emerging risks, giving you the ability to expand and amplify your in-house expertise. We’ll help you to determine risk-adequate language, consider new products and solutions to offer policy holders, and make evidence-based decisions on conditions previously thought uninsurable.

    Medical deep dives

    Perspectives on obesity

    Discover the latest risk considerations surrounding BMI, metabolism, and obesity treatments in our Obesity Perspectives series.
    Learn more
    Perspectives on obesity

    Evidence for good

    Learn how our global team of medical risk experts collaborate to translate medical research and trends for clients.
    Learn more
    Evidence for good
    © [M] Munich Re [P] Westend61 / Getty Images

    Additional capabilities

    Integrated Analytics
    Integrated Analytics
    Our data and automation experts drive the innovations that make advanced solutions possible.
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    Claims Expertise
    Our claim specialists help clients navigate the risk landscape with innovation and expertise.
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    Industry Perspective
    We look across the market to generate insights and actions insurers can’t access on their own.
    Mature businesswoman leading discussion during team meeting with coworkers in office
    Insurance Portfolio Optimization
    We craft tailored solutions to help secure your portfolio’s strength and sustainability.
    Architects meeting working at computer in office
    M&A Support
    Our financial reinsurance specialists offer creative solutions to help achieve transaction success.
    Diverse businesspeople brainstorming with adhesive notes in a meeting
    Product Development Support
    We assist carriers in exploring new markets and products.
    Finance Managers working on reports
    Risk Assessment
    Our underwriters and actuarial scientists deliver superior risk assessment.
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    Strategic Partnerships
    We provide insurance expertise to startups and help you manage partner relationships.
    Contacts
    Gina Guzman
    Dr. Gina Guzman
    Vice President & Chief Medical Officer
    Munich Re Life US
    Email
    gguzman@munichre.com
    Bradley Heltemes
    Dr. Bradley Heltemes
    Vice President & Medical Director of R&D
    Munich Re Life US
    Email
    bheltemes@munichre.com

    Learn how our medical risk experts can help strengthen your portfolio

    Maximize your risk transfer solutions by tapping into the guidance and insights of our team of clinically trained medical risk experts. Reach out today to ensure you’re getting access to insights from the latest medical research, making evidence-based decisions about your portfolio, and defining and refining your coverage in a way that will assure and expand insurability.
    Contact us