management of the Group Benefit lines is a challenge for most insurers,
especially with the volatile LTD line. At the same time, there is
pressure to provide the stable, predictable premium levels that
Munich Re answers
this challenge with a range of Group Insurance services, including
Employer Group, Creditor or Association insurance, for large, medium
or small case markets. We also offer a full array of reinsurance
products, including Disability, Life, Accident, Critical Illness,
Long Term Care, Health, Dental and Special Risk coverages. A comprehensive
reinsurance program provides protection against shock losses, protection
against volatility and optimization of required capital by reducing
the capital required to support your Group operations.
underwriting and claims advice
Through our extensive array of services for Disability clients,
we can review the guidelines and procedures for your client's marketplace.
In addition, on a periodic basis, we perform file reviews to help
identify practices and procedures that can be improved and we provide
advice on special cases. We periodically publish reference guides
on case management tools and offer training programs.
risk management service
Recognizing that the rating of the Group Benefits determines
the quality and type of business written, we help our clients research,
design and formulate enhancements to their rating systems.
In our partnership role, we help monitor client portfolios and,
when necessary, recommend proactive measures that support continued
We do extensive research and development on both new and existing
Group products. Critical Illness and Long Term Care insurance are
two recent initiatives that have been supported with significant