HR
Reinsurance & Insurance

Hannover Rück SE

Excellence in Reinsurance

Hanover, Germany
3,600+ Employees
EUR €55,000–€78,000 (graduate actuary, DE)
Very Hard

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Overview

Hannover Rück SE (Hannover Re) is the world's third-largest reinsurer, operating across property & casualty (P&C) and life & health (L&H) reinsurance. Despite being smaller than Munich Re and Swiss Re, Hannover Re is known for its technical excellence, lean structure, and strong actuarial culture. Their recruitment uses SHL cognitive ability tests and a structured interview process. Hannover Re hires across actuarial science, underwriting, risk management, finance, and IT, with a strong focus on quantitative skills and Rückversicherungsprinzipien.

Application Process

1

Online Application

30-45 min

CV, cover letter, and academic transcripts. Actuarial roles require evidence of exam progress (DAV, IFOA, or SOA). Strong maths/statistics background required.

2

Online Tests (SHL)

60-75 min

SHL Verify G+: numerical reasoning, verbal reasoning, and inductive reasoning. High difficulty. Duration: 60-75 minutes.

3

Actuarial Aptitude Test (Aktuarieller Eignungstest)

45-60 min

For actuarial roles: quantitative test covering probability, statistics, Cat Bond pricing, and reinsurance principles (Rückversicherungsprinzipien; proportional vs. non-proportional). Duration: 45-60 minutes.

4

Structured Interview

45-60 min

Competency-based interview with HR and department manager. Questions focus on analytical thinking, risk mindset, and Hannover Re's values (excellence, partnership, reliability).

Test Types

Numerical Reasoning (SHL Verify G+)

Used by: SHL

25 min

Reinsurance financial data: combined ratios, loss ratios, premium income by segment (P&C vs. L&H), nat cat loss estimates. 18 questions in 25 minutes.

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Verbal Reasoning (SHL Verify G+)

Used by: SHL

19 min

Reading comprehension of reinsurance and risk texts. True/False/Cannot Say format. Topics include Solvency II, IFRS 17, and climate risk.

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Inductive Reasoning (SHL Verify G+)

Used by: SHL

25 min

Abstract pattern recognition at high difficulty. Measures fluid intelligence.

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Actuarial Mathematics & Reinsurance Principles

Used by: Hannover Re Internal

45-60 min

Probability distributions, excess of loss treaties, Cat Bond structures, and reinsurance principles (Rückversicherungsprinzipien). Key topics: Actuarial Math, Cat Bonds, proportional vs. non-proportional reinsurance.

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Sample Question

Practice Question

Reinsurance Principles: A quota share treaty (Quotenvertrag) has a cession rate of 40%. The primary insurer has gross premiums of €120m and gross claims expenses of €80m. What is the reinsurer's share of the claims expenses?

Insider Tips

Hannover Re is smaller and more specialised than Munich Re. The culture is more collegial and less hierarchical, which shows in interviews.

Actuarial exam progress (DAV, IFOA) is essential. Hannover Re's actuarial team is one of the strongest in the industry.

Reinsurance principles (Rückversicherungsprinzipien): master both proportional (quota share / Quotenvertrag, surplus / Summenexzedentenvertrag) and non-proportional (excess of loss / Schadenexzedentenvertrag, stop-loss) treaty structures.

Hannover Re's L&H (Life & Health) division is particularly strong. If you have a background in biometrics or longevity risk, highlight this.

The SHL Verify G+ tests are very difficult. Practice with timed conditions and aim for 70th percentile or above.

Hannover Re values 'Partnerschaft' (partnership) with cedants. Show understanding of the client relationship in reinsurance.

Frequently Asked Questions

Quick Facts

IndustryReinsurance & Insurance
DifficultyVery Hard
HeadquartersHanover, Germany
Employees3,600+
Salary RangeEUR €55,000–€78,000 (graduate actuary, DE)

Graduate Roles

Graduate ActuaryUnderwriterRisk AnalystCat ModellerSenior ActuaryHead of Division

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