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Savings and investment products
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Savings and investment products – a giant but competitive market

In product design, life insurers must compete not only with their peers, but also with rival offerings from banking and asset management. On such a crowded playing field, you should not be alone.

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    Helping you keep your investment management promise

    Paternoster square in London
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    Savings and investment products generate the vast majority of life insurance industry premiums and associated policy reserves.

    These assets invested by retail consumers represent a significant expression of trust and belief in the promises made by insurers to deliver attractive returns alongside prudent risk management, enabling consumers to reach their financial goals.

    The dominant challenge facing life insurers has become the management of guarantees on legacy saving product portfolios and the design of new products that provide a compelling offer of growth and security in times of interest rate volatility.

    Investment management = value creation + capital preservation

    Retail consumers require flexible products that cover diverse needs across different stages of life. Munich Re's approach to savings and investment products is to focus on both the delivery of (1) an attractive investment return offer that helps policyholders accumulate value over time and (2) appropriate capital preservation features that ensure the accumulated value is available to meet needs as they arise.

    Product design framed around the needs of the customer

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    Scenario 1: Demise of policyholder at age 50

    His policy value is € 250K – the highest monthly value attained since he joined. Policyholder’s family receives € 250K, a legacy payout of 125% of the initial single premium.

    Scenario 2: Demise of policyholder at age 70

    His policy value is € 120K, but the highest monthly value, locked in at € 310K, will be paid at the time of death. Policyholder leaves behind € 310K, a legacy payout of 155% of the initial single premium.

    Scenario 3: Policyholder reaches age 99

    Since policyholder joined, the highest monthly value locked in is € 310K. Even though the current policy value is only € 220K, policyholder receives the full € 310K, a payout of 155% of the initial premium.

    Contact us

    Hugo Choi
    Hugo Choi
    Head of Origination Asia, Munich Re Markets
    Munich Re Hong Kong Branch
    Gerrit Heine
    Gerrit Heine
    Head of Origination DACH, Nordics & CEE, Munich Re Markets
    Munich Reinsurance Company
    Darryl Stewart
    Darryl Stewart
    Head of Origination Southern Europe, New Markets & Acquisition Situations, Munich Re Markets
    Munich Reinsurance Company
    Andreas Sozzi Sabatini
    Andrea Sozzi Sabatini
    Head of Origination Southern Europe, Munich Re Markets
    MR Markets GmbH
    Stephan Reulein
    Stephan Reulein
    Global Head Munich Re Markets
    Michael Ege
    Michael Ege
    Head of Trading, Modelling and Technology Munich Re Markets