Life, Pension, Health & Annuity Reinsurance

Life, pension, health, and annuity risks demand disciplined structuring, deep technical insight, and a clear understanding of long-term balance sheet dynamics.

Our team works closely with insurers, pension schemes, and financial institutions to design and implement reinsurance solutions aligned with clients’ strategic objectives.

Our Life & Health capability combines strong actuarial expertise, extensive global reinsurance experience, deep knowledge of the primary insurance value chain, and disciplined transaction execution and project management. This integrated approach enables us to deliver timely, optimised reinsurance structures for both clients and market counterparties.

What We Do

Reinsurance Strategy

Our expertise across Life, Pension, Health, and Annuities enables us to deliver holistic solutions across interconnected risk classes. This joined‑up approach ensures seamless service, cross‑functional insight, and a unified reinsurance strategy.

We focus on identifying and delivering the right solution for each client.

Capital Optimisation

Our global platform brings together capital advisory professionals, contract structuring experts, and reinsurance specialists, all operating under a single global P&L. This structure allows us to remain capital‑agnostic and solution‑focused, providing clients with access to a broad spectrum of reinsurance markets and capital providers worldwide.

Bespoke Advisory

We offer advisory services tailored to clients’ specific business needs, supported by deep domain knowledge and advanced analytical capabilities to enhance decision‑making and risk assessment. Our advisory services include:

• Actuarial analysis
• Catastrophe modelling
• Scenario testing
• Stochastic simulation
• Dynamic Financial Analysis

Underlying Products and Risk Classes

We support a wide range of life, health, and pension‑related risks, including:

• Mortality – Whole of Life, Term Assurance
• Morbidity – Critical Illness, Disability Income
• Longevity Risk – Defined Benefit, Defined Contribution, and Enhanced Annuities
• Private Medical Insurance
• Personal Accident
• Group Insurance
• Retrocession

Structures and Solutions

Our reinsurance solutions are designed to meet the specific needs of each client and include:

• Value‑in‑Force (VIF) monetisation
• Mortality stop loss
• Per‑person excess of loss
• Longevity swaps (retrocession and ex‑UK)
• Pension risk transfer via funded reinsurance (legacy and new business)
• Funds withheld / funds transferred structures
• Quota share and surplus treaties
• Modified coinsurance