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Munich Re Life US

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Individual Life Reinsurance

Expand insurability and grow your business confidently.

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    Leverage robust datasets, innovative thinking, and deep risk expertise with the support of a trusted reinsurance advisor.

    In the ever-changing life risk landscape, you know you need more than reinsurance to make you competitive—you need creative solutions, industry insight, and unparalleled financial backing to achieve and maintain success. At Munich Re Life US, our reinsurance solutions are designed to help carriers confidently grow their business to meet the needs of life insurance customers while achieving their business goals. We work with life insurance carriers of every size across all product lines, delivering tailored reinsurance solutions that are backed by Munich Re’s global capacity.  
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    A mix of tailored solutions and industry-leading capabilities

    We have the strength to deliver the backing you need and the expertise to help you shape and scale your business.

    Traditional Reinsurance
    We offer yearly renewable term and coinsurance for new business and inforce blocks.

    Risk Assessment
    We develop bespoke solutions that are backed by superior data, technology, and risk expertise to modernize underwriting processes, drive insurance sales, and enhance the customer experience.

    Product Development Support
    We apply our expert understanding of the insurance industry and insurer needs to help carriers develop new products that expand their reach across the market.

    Insurance Portfolio Optimization
    We work together with carriers to assess their risk portfolios and build traditional and non-traditional solutions that increase profitability and efficiency.

    Strategic Partnerships
    We look across the market to identify and develop partnerships with digital startups and distributors to deliver innovative solutions that create opportunities for carriers that might otherwise not exist. 
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    More than reinsurance

    When you work with Munich Re Life US, you get more than just reinsurance. You gain a trusted advisor who cares about your success. Our team seeks to understand your goals and develop holistic solutions that leverage the breadth of Munich Re’s services, tools, and expertise. We can help you identify pain points and opportunities across the insurance value chain and position you to grow your business. 
    Distribution
    Expand current channels and identify new ones
    Product Development
    Develop assumptions for new products and channels
    Underwriting
    Enhance and modernize risk assessment
    Post-Issue Monitoring
    Analyze and improve business performance
    Claims Management
    Manage claims payment risk
    Risk & Financial Management
    Drive financial efficiency and profitable growth

    Related integrated capabilities

    Insurance Portfolio Optimization

    Even as you look to grow your individual life business, our team of specialists can help you maximize the value of your existing book of business.
    Explore Insurance Portfolio Optimization

    Product Development Support

    We have the creativity and industry experience to help you develop new products and channels in a way that will support sustainable profitability.
    Explore Product Development Support

    Integrated Analytics

    Our data analytics and machine learning experts create tools that advance the speed and accuracy of your risk decisioning.
    Explore Integrated Analytics

    Risk Assessment

    Our underwriters and actuarial scientists bring collaboration, agility, and wisdom to fill your risk-assessment gaps.  
    Explore Risk Assessment

    Strategic Partnerships

    We scour the industry to identify partners to help you maximize opportunities and optimize your business. 
    Explore Strategic Partnerships

    Related digital solutions

    alitheia

    alitheia
    Our instant-decisioning tool allows you to improve your customers’ life insurance buying experience with minimal increase in mortality cost. 
    Learn more about alitheia
    alitheia

    Clareto

    Clareto
    The electronic health record network developed by Clareto, a Munich Re company, gives you the ability to reduce the time and expense of life underwriting and claims by accessing digital health data. 
    Learn more about Clareto
    Clareto

    EHR Summarizer

    EHR Summarizer
    Our product highlights core EHR data points to deliver an intelligent and intuitive synopsis. 
    Learn more about EHR Summarizer
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    Related insights

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    Cancer
    Cancer mortality patterns in insured lives
    We examine our insured lives cancer mortality experience and the potential impact of recent cancer research.
    9 minutes read
    Published 11.07.2024
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    Best Practices
    Making inroads in early cancer detection
    An update on the success of our two-year partnership with GRAIL to promote early cancer detection in the US life insurance industry.
    4.5 minutes read
    Published 11.07.2024
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    Clinical Knowledge
    Case clinic: Pancreatic cyst
    Our underwriting case clinic series exploring challenging medical conditions.
    2.5 minutes read
    Published 10.05.2024
    Read more insights
    Contacts
    Anthony Ferraro
    Anthony Ferraro
    Senior Vice President & Actuary, IL Reinsurance
    Munich Re Life US
    Email
    AFerraro@munichre.com
    Tony Laudato
    Tony Laudato
    Vice President, Business Development, Products & Partnerships
    Munich Re Life US
    Email
    ALaudato@munichre.com

    Discover how innovative, integrated solutions can advance your business goals.

    Reach out today to learn how we help carriers improve profitability and expand insurability through our complete line of risk transfer solutions backed by our expertise and insights.
    Get in touch