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Global Underwriting

Tailored control for your employee benefits

Streamline your employee benefit management with our Global Underwriting solutions, offering flexibility and control tailored to your company's needs. We offer two distinct programs: Global Underwriting Flex and Global Underwriting Program, each designed to provide optimal solutions for different business requirements.

Global Underwriting Flex:
Centralized oversight and control made simple

Our Global Underwriting Flex solution empowers multinational companies aspiring to centralize operations, offering the flexibility to partner with our insurance network and benefit from worldwide risk accumulation. By consolidating employee benefits plans, you gain access to sustainable pricing, greater flexibility, and potential cost savings on insurance premiums. This solution is best suited for mid-size to large multinationals seeking immediate benefits with limited upfront commitments, providing a solid foundation for future transition to our Global Underwriting Program.

Key benefits

Competitive pricing

Consolidate employee benefits plans to gain better control of pricing and access potential discounts.

Flexibility

Start the program without any upfront commitments, adapting to your evolving business needs seamlessly.

ESG support

Align with Environmental, Social, and Governance (ESG) goals by identifying and enhancing minimum employee benefits for your workforce worldwide and closing existing coverage gaps.

Data insights

Access centralized management information through annual reports, providing a summary of financial results per country.

Global terms and conditions

Gain access to a global free cover limit up to US$1,500,000 and extend premium rates for longer periods, subject to underwriting acceptability.

Minimum requirements:

  • Target a minimum non-medical annual premium of US$1,000,000.
  • Minimum premium per country of US$25,000 (can be reduced to US$5,000 per country once US$1,000,000 of non-medical premium is reached).

Global Underwriting Program:
Maximizing benefits for centralized operations

Our Global Underwriting Program is designed for highly centralized midsize to large multinational companies seeking to optimize benefits. By consolidating employee benefits risks into a single, comprehensive solution, you can guarantee local pricing reductions and enhanced benefit terms and conditions, maximizing the value of your total portfolio.

Key benefits

Cost management

Optimize premiums with upfront discounts based on the overall portfolio assessment.

Data insights

Access centralized management information through annual reports, providing a summary of financial results per country.

ESG support

Utilize cost savings to support initiatives such as benefit improvements and wellbeing activities.

Global terms and conditions

Enjoy access to a global free cover limit and multi-year rate guarantees to create cost certainty.

Minimum requirements:

  • Minimum non-medical annual premium of US$1,000,000.
  • Cover at least 5 countries.
  • Minimum premium per country of US$25,000 (can be reduced to US$5,000 per country once US$1,000,000 of non-medical premium is reached).
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