hr | ReFlex

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As the digital hub for underwriting, hr | ReFlex integrates easily with existing systems and data sources to enable a dynamic dialougue for risk assessment. The design emphasizes components and functionality that maximize ease of use and streamline implementation. State-of-the-art underwriting rules and question sets are transparent and they can be customized without IT development. hr | ReFlex uses an open and modern architecture that enables our clients to easily adapt the system to evolving underwriting paradigms that help you reduce customer aquisition costs, improve underwriting accuracy and increase speed to market.

Key Features

The strategic approach to ReFlex delivers more value to life insurers than competitor’s offerings. Our development focus is on the processes and data that improve the underwriting assessments of life insurance applications in order to deliver competitive products and processes to our life insurance company customers. It is not on superficial bells and whistles that add little value to the underlying insurance product. The algorithms, rule development, smart questions and underwriting evidence are at the center of ReFlex’s focus. We believe this approach will enable disruption of the traditional underwriting experience. Hannover Re will continue to invest in ReFlex as a vehicle to bring its mortality and underwriting expertise to clients in a rules engine and also offer support via reinsurance.

Hannover Re’s approach to technology is to rely on innovative tools, platforms, and solutions that enable our clients to easily access our core expertise in underwriting and mortality assessments. We use a well-established, open web technology architecture utilizing Java and standard API’s such as SOAP and REST. This minimizes our client’s work in installing and operating ReFlex within their enterprise environment. We use all technological options to meet our customer’s expectations, stay competitive, and react very quickly to change.

Key Benefits

The true strength of our offering not only lies in the ease of use and flexibility of the hr | ReFlex system, but also in the team approach of Hannover Re. Our hr | ReFlex team works closely with our pricing and underwriting teams in the development of each program to ensure that the underwriting delivered by hr | ReFlex meet the needs of the new business process and does so in a way that meets the profitability needs of the client for each product and process. Hannover Re stands alone from our competitors in this most important aspect of delivering automated underwriting, reinsurance support, and a consultative approach to our clients in their efforts to modernize the customer experience.

Product/Service details