The global guide for life underwriting
hr | Ascent
Hannover Re’s online underwriting manual that caters for a broad spectrum of underwriting considerations with varying degrees of complexity. Frequently updated, it proves its dynamic nature and, coupled with the manual’s powerful search engine, hr | Ascent enables our customers to respond rapidly and competitively, saving time in the evaluation of life insurance risks.
hr | Ascent is Hannover Re’s online underwriting manual that caters for a broad spectrum of underwriting considerations with varying degrees of complexity.
No matter where you are: With hr | Ascent you are never more than two clicks away from a rating.
As a global, web-based underwriting guide, hr | Ascent is easily accessible and its intuitive design makes it convenient for all levels of users. hr | Ascent utilises the latest technology to help users in their day-to-day activities – irrespective of their workplace: at the office, at home, or whilst travelling. hr | Ascent’s ratings are based on leading research from Hannover Re’s international underwriting experts, medical consultants and actuaries. Their ongoing contributions ensure that the underwriting manual stays current through continuous refinement.
Comprehensive, easy-to-follow guidance on the important risk criteria for underwriting
Medicine
- Over 500 illustrated medical conditions
- Video tutorials
- Calculators to simplify complex conditions
Occupation
- Tailored occupation list
- Up-to-date job titles
- Decisions based on applicants’ actual activities
Avocation
- Ratings for professionals & amateurs
- Evaluation of risk factors
- Descriptions of major risks
Finance
- Insurability checklists
- Explanations of types of cover
- Brief product outlines
Geography
- More than 200 countries and regions
- Assessing applicants residing/travelling abroad
- Considerations of dynamic global factors
- Country calculator available
hr | Ascent accommodates regional market requirements while remaining consistent in its underwriting philosophy for life, disability, critical illness, accidental death, and income protection products. hr | Ascent’s rating guidelines provide a comprehensive framework to support sound yet competitive underwriting decisions, while allowing underwriters to exercise their own judgment.
hr | Ascent adds value to our clients’ business by supporting quick and well informed underwriting decisions.
Strengths
Fresh technology & depth of resources
This combination makes hr | Ascent an industry leading underwriting tool.
Efficient & intuitive structure
With clearly represented ratings and quick access to key information, rating decisions are no more than two clicks away.
Multilingual & flexible
Its language capabilities make hr | Ascent a globally deployable support engine that can be easily adjusted to market specifics.
Ability of content versioning
Historical content is available to the underwriter so that previous decisions may be reviewed, if needed.
hr | Ascent provides profound medical know-how.
The difference
hr | Ascent is not merely an underwriting tool, but a reference tool and a calculation engine. It serves the needs of an experienced underwriter and at the same time provides educational support to developing junior underwriters, all by the depth of its information. Innovative calculators help evaluating complex medical information very rapidly. Images and illustrations convey a better understanding of the impairment. A resources section with information on abbreviations, laboratory tests and medical investigations complete the working foundation for underwriters.
Being designed for experienced as well as developing underwriters, hr | Ascent is an intuitive, reliable, web-based manual for comprehensive risk evaluation.
If you need further information or would like to send us feedback, please feel free to get in touch.
*The information provided in this document does in no way whatsoever constitute legal, accounting, tax or other professional advice. While Hannover Rück SE has endeavoured to include in this document information it believes to be reliable, complete and up-to-date, the company does not make any representation or warranty, express or implied, as to the accuracy, completeness or updated status of such information.
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