Life, Personal Accident & Health Reinsurance

As your dedicated reinsurance brokers and consultants, we provide access to an extensive range of reinsurance solutions, tailored to meet your specific risk transfer objectives and capital strategy.

Our services cover comprehensive reinsurance product offerings, reinsurance capacity for MGAs, and managing global and cross-border risks for clients looking for life, personal accident, and health reinsurance solutions.

Life Products

Term life

Level term: Stable coverage and premiums over a defined term.
Decreasing term: Coverage that declines over time, often aligned with loan amortization.

Bancassurance (mortgage-linked)

Reinsurance for life products distributed through banks, typically aligned with mortgage protection.

Credit life

Covers outstanding debt in the event of the policyholder’s death.

Savings/investment-linked products

Reinsurance for the mortality and morbidity components of life policies tied to savings or investment goals.
Catastrophe reinsurance for Medical and Life
Coverage for high-impact, low-frequency events (e.g., pandemics or mass casualty events) that affect large policy populations.

Personal accident (PA)

Coverage for accidental death and disability risks.

Critical illness (CI)

Protection against specific major illnesses with lump-sum benefits upon diagnosis.

Pension Product reinsurance

Addresses mortality, longevity, and other actuarial risks in pension plans.

Medical products reinsurance

Covers traditional health insurance exposures and high-cost claims.

International private medical insurance (IPMI)

Specialised coverage for global or mobile populations such as expatriates and multinational employees.

Travel insurance reinsurance

Inbound travel: For travellers entering a country.
Outbound travel: For residents traveling abroad.

Reinsurance Capacity for MGAs

Facilitating access to capacity: We support MGAs in securing reinsurance capacity to underwrite and manage insurance programs with confidence. Our relationships with global reinsurers help align underwriting authority with robust, long-term capacity.
Strategic advisory for MGAs: Our services extend beyond placement. We provide advisory on structuring reinsurance programs that optimize capital, manage risk exposure, and support the MGA’s strategic trajectory.

Retrocession and Captive Solutions for Life & Health

Retrocession

We help reinsurers mitigate risk concentration by designing retrocession structures that:

Manage peak exposures
Balance life and health portfolios
Improve capital efficiency across global markets

Captive solutions

We create bespoke captive programs to:

Manage global employee benefits and long-term disability
Address specific health exposures for groups
Serve both mid-sized and multinational clients with scalable captive frameworks

Life, personal accident & health reinsurance

MANAGING GLOBAL AND CROSS-BORDER RISK

Global reach and structuring expertise

With a deep understanding of international insurance markets, we craft reinsurance programs that span multiple jurisdictions and risk types, while ensuring regulatory compliance and strategic alignment.

Complex programme design

For globally diversified risks, we build sophisticated reinsurance strategies using a blend of treaty, facultative, and alternative risk transfer mechanisms tailored to your operating environments.

Strategic placement

We leverage our access to a broad panel of global and specialist markets to secure optimal capacity, competitive terms, and sustainable risk transfer outcomes.

Why Miller?

Market access: We maintain strong, trusted relationships with a wide network of reinsurers and specialty providers worldwide, ensuring efficient and competitive solutions.
Technical excellence: Our team includes seasoned underwriters and actuaries with the experience to assess, price, and present complex risks effectively.
Client-focused delivery: Every program is tailored to your strategic goals—delivered with speed, precision, and transparency.