As a group insurance specialist with a global presence, we can develop

tailored and sustainable insurance solutions for your members.

Customer information brochure

Group insurance

Issued by
Hannover Life Re of Australasia Ltd

Information as of July 2018

Hannover Re | 1
A strong, reliable partner Hannover Life Re of Australasia Ltd is one of Australia’s
largest life insurance providers, covering millions of
Australians through a group policy arranged by their
superannuation fund or their employer.

We take a consultative approach to working with our

When you partner with us you'll soon business partners and always look for innovative and
discover you have access to extensive creative solutions that will deliver the highest level of
resources, skills and expertise across all member satisfaction.

areas of our business. We’re here to look after your most important asset – your
members.

We treat everyone
with care and
compassion.

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 80% of Hannover
Re’s Life & Health
staff operate directly
in the local markets.

Our focus remains the same as it was when we first started
in Australia back in 1958 - to develop genuine long-term
partnerships with our clients and to be someone they can
trust.
Hannover Life Re of Australasia is a wholly-owned subsidiary
of Hannover Re, one of the largest and most financially
sound reinsurance groups in the world.
Our Hannover Re Group network is present on all continents
with around 3,300 employees.
Both Hannover Life Re of Australasia and our parent are
rated AA- by Standard and Poor’s (very strong), with A.M
Best awarding Hannover Re a financial strength rating of A+
(superior). These ratings have been consistently stable for
more than a decade.

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How we make a difference

We pave the way for our clients' success.

This brochure offers you an insight into our solutions and

services and how our strong collaborative partnership
approach will align these to your objectives.

Service – delivered by an expert team

Our team includes some of the industry’s most

experienced insurance professionals. We have the
technical expertise to assist you.

Each client will have a dedicated team that will

provide open communication and the highest level of
service and support.

More on page 10

Products – the latest innovative thinking

As a global leader, we offer clients access to the latest

developments and solutions from around the world,
tailored to local needs.

We constantly enhance our products to ensure cover

is sustainable, affordable, accessible and easy to
understand - now and in the future.

More on page 8

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Technology – information at your fingertips

One of our core principles is transparency.

The hr|Hub allows clients, consultants and

administrators to monitor each individual
underwriting application or claim from start to finish.

More on page 6

Underwriting – the easy way

Our clients have access to our online Member

Application System underwriting tool called
hr|Maz.

Applications can be completed and submitted

electronically with decisions provided in real-time.

More on page 12

Claims – handled fairly and efficiently

Our claims philosophy is simple - we assess all claims

with fairness and compassion, and pay benefits as
quickly as possible.

Our goal is to assist members through this difficult

time.

More on page 15

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Market leading technology
We make doing business easy. With a
team that includes some of the industry’s
most experienced insurance
professionals, we have the necessary
technical expertise and advanced
systems to make things easy.
The Hannover Re Hub (hr|Hub)
Our market leading system allows you to monitor each
individual underwriting application or claim from one central
point. So when a member asks you a question, they get an
answer fast with the latest information.
The hr|Hub is available 24 hours a day, 7 days a week, and
lets you:
• Initiate new claims & underwriting applications and
upload documentation directly into the hr|Hub
• Upload and download claims & underwriting documents
• Search and view comprehensive case information
• Track the daily progress of a member’s claims or
underwriting application
• Generate and tailor reports
• Receive electronic reminders via an automated follow-
up process
• Access new movements and nominate date ranges to
review past movements
• Create personal watch lists to receive automatic emails
about important cases
• Download underwriting and claim forms in editable PDF
format
The hr|Hub can be securely accessed at
https://hub.hlra.com.au
For help, including login details, please email us at
hubsupport@hlra.com.au

Online
Reporting
underwriting

We make Claims &

Workflow doing business underwriting
systems
easy tracking

Electronic Enhanced
upload & security &
download via privacy
hr|Hub

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We are committed to making ongoing improvements to our technology solutions, including:

Member
direct
solutions
Upload
capabilities
to third
parties
Reflexive Trustee
online specific
claims reporting
More Enhanced
flexible SLA dynamic
reporting reporting

Expanded
functionality

Reporting
The hr|Hub lets clients, consultants and administrators
download tailored reports directly from our system,
including:
• Claims summaries, claims status reports and finalised
claims reports
• Underwriting summaries, underwriting status reports
and finalised underwriting reports
Claims management system (CMS)
Our claims management system works behind the scenes
allowing for concurrent actions. The system provides:
• Faster claims processing and turnaround times
into the hr|Hub, our client facing system, which allows our
business partners to access to the underwriting status of
applications submitted and to track its ongoing progress.
Online underwriting member application
system (hr|Maz)
Members are able to complete an underwriting application
online and in most cases get an immediate decision. Our
member application system hr|Maz dramatically simplifies
and enhances the underwriting experience, and allows easy
tracking and reporting of underwriting applications.
hr|Maz is also capable of providing automatic updates
electronically to your administration system.

• Improved reporting hr|Maz forms part of our integrated underwriting

• Live uploading of claim status and information into the
hr|Hub
• Electronic claim files
Underwriting workflow
We utilise an internal end to end underwriting service using
our paperless administration system. Workflow is integrated
infrastructure. As an internally developed system it is hosted
and supported within our office allowing us to provide a fast
and responsive service. hr|Maz is deployed in a variety of
different client environments depending on their business
requirements and product design.

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Flexible products Here’s an overview of possible product features. We have a
fully flexible product design approach and all products can
be tailored to meet your requirements.

We constantly enhance our offering to ensure cover stays

We offer a variety of product features sustainable, affordable, accessible and easy to understand -
that can be tailored to meet your now and in the future.

requirements.

Group Life (GL)

Agreed benefit formula  Choice of formula

Total and permanent disablement  Choice of definitions

Working whilst overseas  5 years worldwide cover

Employer approved leave  2 years

Interim accident cover  90 days, up to AUD 1,500,000

Extended cover  60 days

Continuation option  Within 60 days of ceasing employment, up to AUD 1,000,000

TPD waiting period  3 months, waived for Immediate Assessment Conditions

Minimum entry age  15 years of age

Maximum entry age  Prior to the member’s 67th birthday

Cover expiry age Option: 65 or 70 years of age

Minimum cover  No minimum

Maximum cover  Unlimited for Death, AUD 3m for TPD and AUD 3m for Terminal Illness

Minimum annual premium  AUD 15,000 p/a excluding brokerage, GST and other charges

Guarantee period  3 years

Payment frequency  2% loading for monthly, half yearly or quarterly

Joint policy discount  4% discount to the lower of the GL or GIP premium

Voluntary cover Additional voluntary cover is available

Multinational pooling Exclusive partner of Swiss Life (approval required)

Premium experience rebate Self-experience is available

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Group Income Protection (GIP)
Total disability benefit
Partial disability benefit
Benefit indexation
Death benefit whilst on claim
Recurrent disability benefit
Rehabilitation benefit
Workplace modification benefit
Benefit whilst overseas
Premium whilst on claim
Working whilst overseas
Employer approved leave
Interim accident cover
Extended cover
Continuation option
Employer super contribution
Waiting period
Benefit period
Enhanced benefits (non-super)
Minimum entry age
Maximum entry age
Cover expiry age
Minimum cover
Maximum cover
Minimum annual premium
Guarantee period
Payment frequency
Joint policy discount
Multinational pooling
Premium experience rebate
 Choice of definition
 7 out of 12 consecutive days of Total Disability
 Annual increase by the lesser of CPI or 5%
 3 times the Monthly Benefit
 Waiting period waived if disability recurs within 6 months
 No limit on pre-approved rehabilitation benefits
 No limit on pre-approved workplace modifications
 6 months whilst overseas, continuing once in Australia
 Premium waived whilst receiving Total Disability benefits
 5 years worldwide cover
 2 years
 90 days, up to AUD 15,000 p/m for 24 months
 60 days
 Within 60 days of ceasing employment, up to AUD 30,000 p/m
Option: Up to 15% of salary
Option: 30 days, 60 days or 90 days
Option: 2 years, 5 years, To Age 60 or To Age 65
Option: Home Care Benefit, Nursing Care Benefit, Specific Injury Benefit or
Medical Catastrophe Benefit
 15 years of age
 Prior to the member’s 67th birthday
Option: 65 or 70 years of age
 No minimum
 AUD 30,000 p/m, with AUD 10,000 p/m between age 65 and 70
 AUD 15,000 p/a excluding brokerage, GST and other charges
 3 years
 2% loading for monthly, half yearly or quarterly
 4% discount to the lower of the GL or GIP premium
Exclusive partner of Swiss Life (approval required)
Self-experience (only when combined with GL)
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Superior service We’ve grown into one of the world’s most respected insurers
by keeping promises to our clients.

We treat everyone with care and compassion. We do things

promptly. We go beyond expectations. To us, superior
Insurance is built on trust. service is a way of life.

Administration
Telephone enquiry 24 hours
Written correspondence 5 days
Installation review or annual review 10 days

Underwriting
Set up of a new application or additional information onto our system 2 days
Assessment of a new application or additional information 2 days
Follow up of requirements (occurs from the date we received the application) 10 days
Reassessment of an application or exclusion 5 days

Claims
Set up of a new claim or additional information onto our system 24 hours
Assessment of an admitted claim or additional information 5 days
Follow up of requirements (occurs from the date of our last request) 20 days
Payments 2 days
Assessment of a declined claim or reassessment (for TPD claims this occurs from the 10 days
date the procedural fairness period ends)

Our service standards are measured in business days, starting from when all necessary requirements have been received

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Administration
We are committed to providing the
highest levels of quality service. We
pride ourselves on our ability to deliver
what we promise, it’s the way we do
business and it’s our culture.
New policy
To establish a new policy we need:
• A completed application form including a certificate of
attendance.
• Member data containing name, payroll number, date of
birth, gender, state of residence, occupation,
membership category, date commenced employment,
date joined the policy and the sum insured at the date
the policy commenced.
• The previous insurer’s underwriting terms if the policy
is transferring to us. This must include all members who
have been accepted, declined, restricted, excluded or
loaded for cover above the previous insurer’s automatic
acceptance level, including any forward underwriting
level.
• Payment of the deposit premium by the due date.
• Details of all members who have been seconded
overseas by their employer to work.
Annual reviews
At each annual review date we need:
• Member data containing name, payroll number, date of
birth, gender, state of residence, occupation,
membership category, date commenced employment,
date joined the policy and the sum insured at the annual
review date.
• The date cover commenced and level of cover for any
new members that joined the policy during the year.
• The date cover ceased for any members that left the
policy during the year.
• Details of any changes to a member’s insurance since
the previous annual review.
• Details of all members who have been seconded
overseas by their employer to work.
• Details of any member who has amended their details
since the previous annual review.
Keeping us informed
You should let us know immediately if:
• A member exceeds the agreed automatic acceptance
limit or forward underwriting limit. This allows us to
underwrite and insure the member at the earliest
opportunity.
• A member joins the policy outside of the eligibility or
automatic acceptance rules.
• A member elects any voluntary cover (where available).
• A member is working overseas or is on employer-
approved leave outside the agreed terms.
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How we underwrite New members

New members can generally be covered up to the AAL at

standard rates without health evidence if:
• They satisfy our requirements, including eligibility, and
commenced cover on the date they first met those
Our underwriting philosophy is to ‘keep requirements
it simple’. We will always assess an • They are at work when their cover commenced. If they
application using the information at hand do not meet this requirement, then new events cover will
apply until the date they have been at work for 30
to minimise any inconvenience to consecutive days.
members in having to ask for third party
medical evidence. Insured cover subject to special terms
If we offer cover subject to special terms, conditions,
How we keep it simple restrictions, exclusions or premium loading, the member will
be required to accept these terms and cover will commence
• Requesting necessary information up front.
from the date that their acceptance is received by us,
• Working in partnership with clients, consultants and
provided that this acceptance is within 28 days of the date of
administrators.
our offer. From the date of our offer, we will provide
• Making decisions that optimise both member
additional interim accident cover for the lesser of 28 days or
experience and sustainability.
the date that the member accepts or refuses this offer.
• Applying a ‘can-do’ approach, including how we apply
exclusions, loadings or restrictions.
Any exclusions, premium loading, limitations, special terms,
conditions or restrictions will apply above the AAL.
Automatic acceptance level
The automatic acceptance level (AAL) is the maximum Unified Healthcare Group (UHG)
amount of cover a member can receive without having to
We have appointed Unified Healthcare Group (UHG) to
submit medical evidence. We tailor the AAL for each policy
manage the collection of medical and other evidence for
and aim to provide the majority of members with automatic
assessing insurance applications.
cover to their full entitlement. In most cases we will only
need health evidence for cover above the AAL, voluntary
UHG can arrange pathology tests (bloods) and other health
cover or where a member joins outside the commencement
screening services at a time and place convenient to the
of cover policy terms.
member, including the member’s work or home. If requested,
the results of the tests can be provided to the member’s usual
Automatic uplift to the AAL doctor to assist with the overall management of their health.
These services are free to you and the member.
If we increase the AAL then it will apply to all existing
members where an AAL currently applies even if they have
previously been declined, excluded or loaded for cover
above the previous AAL. Any exclusions, premium loading,
limitations, special terms, conditions or restrictions will
continue to apply above the new AAL.

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Health evidence for underwriting Group Life & Total and Permanent Disablement
Age 45 +
Our philosophy when underwriting is to offer exclusions and
loadings so that we can provide as many members as Sum insured Evidence of health
possible for cover. Up to AUD 1,500,000 Personal Statement

If an AAL applies, any exclusion or loading will only apply to AUD 1,500,001 – Personal Statement
the portion of cover that was underwritten. AUD 2,500,000 + Bloods
AUD 2,500,001 – Personal Statement
The evidence we need for underwriting is shown below. We
AUD 3,500,000 + Bloods
reserve the right to alter these requirements or ask for any
+ GP Medical exam
additional information we believe is necessary based on a
member’s individual circumstances. AUD 3,500,001 – Personal Statement
AUD 5,000,000 + Bloods
Group Life & Total and Permanent Disablement + GP Medical exam
To age 44 (current age) + Personal Medical
Attendants Report (PMAR)
Sum insured Evidence of health
AUD 5,000,001 + Personal Statement
Up to AUD 2,500,000 Personal Statement + Bloods
+ GP Medical exam
AUD 2,500,001 – Personal Statement
+ Personal Medical
AUD 3,500,000 + Bloods
Attendants Report (PMAR)
+ GP Medical exam
+ Full Blood Count (FBC)
AUD 3,500,001 – Personal Statement + Exercise ECG
AUD 5,000,000 + Bloods Death only cover. TPD & Terminal Illness cover is only available to AUD
+ GP Medical exam 3,000,000.
+ Personal Medical
Attendants Report (PMAR) Group Income Protection (GIP)
AUD 5,000,001 + Personal Statement Sum insured (per month) Evidence of health
+ Bloods
+ GP Medical exam Up to AUD 12,000 Personal Statement
+ Personal Medical AUD 12,001 – Personal Statement
Attendants Report (PMAR) AUD 15,000 + Bloods
+ Full Blood Count (FBC)
+ Exercise ECG AUD 15,001 – Personal Statement
Death only cover. TPD & Terminal Illness cover is only available to AUD
AUD 20,000 + Bloods
3,000,000. + Personal Medical
Attendants Report (PMAR)
AUD 20,001 + Personal Statement
+ Bloods
+ GP Medical exam
+ Personal Medical
Attendants Report (PMAR)

Bloods include: HIV, Hepatitis B & C Serology, Multiple Biochemical Analysis

including Liver Function test, Renal Function test, Fasting Glucose test and .
Lipid profile. All blood test can be taken from one sample

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Our process for underwriting
This map shows our standard process for assessing paper
underwriting applications. Please keep in mind a different
process applies to online applications through the hr|Hub.
We can customise our process to meet your specific needs,
in response to changing market conditions, new
methodologies or for the particular circumstances of an
application. Some steps may occur concurrently.

Member

Policy Owner

Hannover Life Re
of Australasia

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How we manage claims
We recognise it’s important to provide
assistance throughout the claim journey
and to make a decision quickly. Because
of this we focus on how best to support
the member when they need it most.
Fairness and compassion
We treat each member with integrity and compassion and
we ensure all decisions are fair and reasonable.
We achieve this by:
• Allocating each claim to a dedicated assessor who is
responsible from start to finish.
• Ensuring genuine claims are paid as quickly as possible.
• Being transparent and communicating openly.
• Reaching conclusions based on facts and sound
reasoning.
• Helping members get better and return to work safely
by providing a range of support services as part of their
income protection claim.
• Working with the member, their doctor and employer to
assist with recovery.
• Establishing agreed times for the delivery of service and
reports.
• Monitoring our assessments with an internal quality
verification process.
Dedicated claim assessor
We allocate each claim to a dedicated claim assessor who is
responsible for the claim from start to finish. All claim
assessors only have a medium size portfolio to allow them to
support the member.
To ensure the best chance of positive outcomes being
achieved, we triage every claim based on the member’s
condition before allocating it to the most suitable claims
assessor. This ensures the claim assessor has the experience
and expertise to support the member throughout the claim
process.

Ease of the
claims process

Holistic support Dedicated &

with recovery & professional
rehabilitation staff

Best practice
framework
Fair decisions Proactive &
with timely open
payment communication

Empathy,
sensitivity &
transparency

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Direct contact with members
Our preference, particularly for income protection claims, is
for the claim assessor to have direct contact with the
member. We have found this a positive approach that
improves the member’s experience. All calls direct with the
member are recorded to safeguard information.
Early intervention
We are very supportive of a framework which promotes the
early notification of a claim during the waiting period (“Day
1”) so we can assess the need for rehabilitation and co-
ordinate a return to work strategy, where possible.
Review forum and committee
We provide a Claims Review Forum and a Claims Review
Committee to ensure any claim dispute is re-assessed
thoroughly and independently and that the decision is fair
and reasonable.
Where you disagree with our decision, we will require a
written objection stating the basis of the disagreement and
any supporting evidence. The claim will then be reviewed by
the original claims assessor and may be referred to our
Claims Review Forum. The Claims Review Forum consists of
our National Claims Manager and other senior claims
assessors.

If you are still not satisfied with our decision after our
The assessment of a claim often requires advanced specialist
reassessment of the claim you are able to request for the
skills based on current medical treatments so we have
claim be reviewed by the Claims Review Committee. The
engaged several external companies to complement our
Claims Review Committee consists of senior management
internal claim team’s expertise.
employees from a variety of business units within Hannover
Life Re of Australasia.
Our in-house rehabilitation consultants will liaise with
specialist rehabilitation service providers who offer highly
personalised support and ongoing management to assist the Litigated claims
member’s recovery.
Where defending a matter on your behalf does not prejudice
Hannover Life Re of Australasia, we will manage the
Procedural fairness litigation provided you sign our Indemnity Letter. This
service will be provided at our expense.
We are committed to assessing all claims fairly. We will send
a procedural fairness letter to you 30 days prior to reaching
our decision. The letter will contain details of the evidence We proudly support SuperFriend
we have obtained and should be forwarded immediately to
the member. SuperFriend is a nationwide initiative aimed at improving the
mental health and wellbeing of industry superannuation fund
The claim will be re-assessed by the original claims assessor members, employers and staff.
if further information is received. If no additional information
is received within 30 days, we will proceed with making a
For more information visit
decision and a written report explaining the reason for our
www.superfriend.com.au
decision will be provided to you.

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Rehabilitation – Our in-house rehabilitation consultants will liaise with
specialist rehabilitation service providers and in consultation
a smoother road to recovery with the member, their doctor and the employer to develop
positive fully-accredited rehabilitation programs tailored
After lodging a claim the member can access a range of
with consideration to all relevant information including
support services to help them get better and return to work
medical capacity, education, training and experience.
safely. While returning to work is not always easy, work is
generally good for health and wellbeing and that long-term
We may also instruct an external provider to assist with
work absence, work disability and unemployment typically
liaising with the member and the appropriate medical
have a negative impact on health and wellbeing. That is why
specialist to agree on a unified medical management
our policy includes an approved rehabilitation benefit where
program.
at our discretion we may pay the cost of a program, device
or a functional/work conditioning program certified by a
Our in-house rehabilitation consultants will monitor the
doctor or other health professional. There is no maximum
member’s progress to ensure the rehabilitation plan remains
limit on the amount of rehabilitation we can provide to a
effective and beneficial.
member, subject to our prior approval.

Here to assist
members.

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Our process for rehabilitation

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The information we need to assess a
claim
We have standard requirements for assessing claims, some
of which may incur a cost. These costs are the member’s
responsibility, although we will pay for any additional
evidence that we request.
Initial requirements for all claim types
• Certified identification that includes the member’s age
(i.e. driver’s licence or passport).
• Confirmation of membership, application, date of the
last premium and agreed benefit.
• A copy of the member’s underwriting application if a
previous insurer accepted them for their cover.
• Any test results or additional medical evidence.
• The additional requirements depending on the type of
claim:
Death claim
• A certified copy of the member’s death certificate.
• If a member dies whilst overseas, we require an English
translation of their death certificate, a certified copy of
all passport pages and a certified copy of their travel
itinerary.
Terminal illness benefit (TIB) claim
• Claim Forms: Member’s Statement, GP’s Medical Report,
Specialist Medical Report with test results.
Total and permanent disablement (TPD) claim
• Claim Forms: Member’s Statement, Employer’s
Statement, Medical Report with test results.
• If the notification date of the claim to Hannover Life Re
of Australasia is more than 18 months after the incident
date, we will also require a copy of the member’s tax
returns since the incident date.
Group income protection (GIP) claim
• Initial GIP Claim Forms: Member’s Statement,
Employer’s Statement, Medical Report with test results.
• Ongoing GIP Claim Forms: Progress Claim Form
(Member’s Statement) and Progress Medical Report.
• We may also require proof of the member’s income or
income history, including but not limited to the
member’s full tax returns.
Ongoing requirements for group income protection
claims
Once a GIP claim is accepted, and the first monthly benefit
has been paid, the member will need to provide us with a
periodical Progress Claim Form and a periodical Progress
Medical Report. We may also require additional information.
If the member continues to be employed, the employer will
remain responsible for any taxation and liaising with the
member, unless we agree to another process.
If a member is no longer employed, or we have agreed to
manage this process, we will calculate any tax to be
deducted from the benefit and provide an annual Payment
Summary. We will consider liaising directly with them but
only if we have received the following information within 90
days from the date they left employment:
• An original Tax File Number Declaration form available
from the ATO website. Section A must be completed by
the member and the form returned to us.
• The member’s contact details including address and
telephone number.
• The member’s bank account details.
• The date the benefit is to be paid to the member.
• Where we are providing a Superannuation Contribution
Benefit, all relevant membership and contact details of
their fund.
• We may also require proof of the member’s income or
income history including, but not limited to, the
member’s full tax returns.
Hannover Re | 19
How we assess claims
The process maps outline our standard guidelines for the
assessment of Death, TPD and GIP claims. Some actions may
occur concurrently rather than sequentially and we reserve
the right to modify these guidelines at any time in light of
evolving market conditions, new methodologies or with
regard to the particular circumstances surrounding a claim.
We are also able to customise our guidelines to meet each
client’s specific needs.

Our process for death claims

Member’s
Representative

Policy Owner

Hannover Life Re
of Australasia

Hannover Re | 20
Our process for TPD claims

Member

Policy Owner

Hannover Life Re
of Australasia

Hannover Re | 21
Our process for income protection claims

Member

Policy Owner

Hannover Life Re
of Australasia

Hannover Re | 22
Get in touch today
Call our group insurance team on
Tel. 02 9251-6911
Marketing (new business)
For business development, quotes, product design or
policy document enquiries, please contact:
groupriskmarketing@hlra.com.au
Client Relationships (existing clients)
To get in touch with the team responsible for the co-
ordination of services to existing clients, reporting
and ongoing relationship management, please
contact:
clientrelationships@hlra.com.au
Administration
If you require assistance with the installation,
renewal or ongoing administration of your policy,
please contact your dedicated Group Risk
Administrator:
groupunderwriting@hlra.com.au
Underwriting
All applications and supporting documents, as well as
general questions about an underwriting case, can be
sent to:
groupunderwriting@hlra.com.au
Claims
If you need to submit a claim, or if you have a general
question about our claim requirements, assessment
process or payments, please contact a member of our
Claims Administration team:
groupclaims@hlra.com.au
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Your global partner
We have built an international organisation, with a presence
on all continents.
Central to our approach is an understanding that each
country is unique, with its own legislative framework, culture
and business parameters. Support is close at hand from local
experts who understand your market and speak your
language – in more ways than one. And at the same time you
can tap into the rich resources, skills and experience
available across our cross-border operations.

World-wide presence of Hannover Re group

Africa Asia

Abidjan, Johannesburg Hong Kong, Kuala Lumpur, Manama, Mumbai, Seoul,

Shanghai, Taipei, Tokyo
The Americas
Australia
Charlotte, Denver, Hamilton, Mexico-City, New York,
Orlando, Toronto Sydney

Europe

Dublin, Hannover, London, Madrid, Milan, Paris, Stockholm

Published by
Hannover Life Re of Australasia Ltd
ABN 37 062 395 484
Member of the Hannover Re Group

www.hannover-re.com.au
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