Individual Life

Our customized reinsurance solutions, competitive market insights, valuable risk analysis expertise and strategic support help our clients succeed. A variety of risk transfer programs are available on a yearly-renewable term and coinsurance basis:

  • Term, Whole Life, Universal Life and Variable Universal Life
  • Simplified and Guaranteed Issued programs
  • Individual, Joint and Last Survivor products
  • Supplemental benefits and riders
  • Corporate-owned and Bank-owned life insurance
  • Mortality volatility covers
Facultative Programs
  • Traditional Facultative - For challenging cases, and to improve placement ratios or time service to your producers and their customers
  • 2nd Look - We can make offers on cases where certain requirements are unattainable and do not qualify for traditional reinsurance.


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Donna Sivigny profile image
Donna Sivigny

Head of Individual Life Sales and Marketing, L&H Stamford

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