RePlay by Hannover Re

The U.S. life insurance market offers significant growth opportunities but acting on them is not always straightforward. Jason Rickard discusses the forces shaping insurer decision-making, from interest rate dynamics and evolving product strategies to capital constraints and competitive pressure. He also explores the different roles traditional and structured reinsurance can play as insurers pursue sustainable financial objectives while expanding their business.

Asia is frequently described as a growth market for life and health insurance, but it’s not just one story. In this episode, Sören Kruse explains why insurers need to rethink how they operate across fundamentally different markets. We discuss medical inflation, ageing populations, and regulations, and why speed, adaptability, and capital efficiency are becoming critical to staying competitive in the region.

Australia combines long life expectancy with a highly developed pension system. Yet many people still underestimate how long their savings need to last and end up bearing longevity risk themselves. That combination has made Australia particularly instructive when it comes to understanding how retirement income solutions evolve.

Andrea Stähr and Kris Boundy talk about how retiree behaviour and product design come together in the decumulation phase and what global insurers globally can learn from Australia’s experience.

A serious diagnosis doesn't just affect health; it disrupts everyday life in ways standard cover design doesn't always reflect. Tim Smith, Head of Protection at Hannover Re UK Life Branch, explores what this means for insurers designing and refreshing critical illness (CI) cover.

He discusses where traditional definitions falls short, how small costs can quickly add up for customers, and why CI products need to keep pace with modern diagnostics and treatments. Tim talks about CI cover complements life insurance and how thoughtful product design can better reflect real customer needs.