MR
Reinsurance & Insurance

Munich Re (Münchener Rück)

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Munich, Germany
43,000+ Employees
EUR €60,000–€85,000 (graduate actuary, DE)
Very Hard

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Overview

Munich Re (Münchener Rückversicherungs-Gesellschaft) is the world's largest reinsurer by premium income. Operating through Munich Re (reinsurance) and ERGO (primary insurance), they hire across actuarial science, underwriting, risk modelling, data science, IT, and client management. Their recruitment is highly selective, using Korn Ferry cognitive ability tests and a rigorous assessment centre. Munich Re is known for its actuarial excellence, cat modelling expertise, and global reach across 50+ countries.

Application Process

1

Online Application

30-45 min

CV, cover letter, and academic transcripts via Munich Re's career portal. Actuarial roles require evidence of exam progress. Quantitative roles require strong maths/statistics background.

2

Online Tests (Korn Ferry)

60-75 min

Korn Ferry Verify: numerical reasoning, verbal reasoning, and logical reasoning. High difficulty, normed against quantitative professionals. Duration: 60-75 minutes.

3

Actuarial Aptitude Test (Aktuarieller Eignungstest)

60-90 min

For actuarial and risk roles: quantitative test covering probability, statistics, Cat Bond pricing, and reinsurance principles (Rückversicherungsprinzipien). Duration: 60-90 minutes.

4

Structured Interview

45-60 min

Competency-based interview with HR and department head. Questions focus on analytical thinking, risk mindset, and Munich Re's values.

5

Assessment Centre

Full day

Full-day event for graduate and senior roles: cat risk case study, group exercise, actuarial problem-solving, and panel interview.

Test Types

Numerical Reasoning (Korn Ferry Verify)

Used by: Korn Ferry

25 min

Complex reinsurance financial data: combined ratios, loss development triangles, premium income by line of business, nat cat loss estimates. 18 questions in 25 minutes.

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Verbal Reasoning (Korn Ferry Verify)

Used by: Korn Ferry

19 min

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

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Abstract Reasoning (Korn Ferry Verify)

Used by: Korn Ferry

15 min

Abstract pattern recognition and matrix completion. Very high difficulty level.

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Actuarial Mathematics & Cat Bonds

Used by: Munich Re Internal

60-90 min

Probability distributions (Poisson, Pareto, lognormal), excess of loss treaty mechanics, Cat Bond pricing, and reinsurance principles (Rückversicherungsprinzipien). Key topics: Actuarial Math, Cat Bonds, reinsurance principles.

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Sample Question

Practice Question

Actuarial Mathematics: A Cat Bond has a notional of €500m. The trigger is an earthquake of magnitude ≥7.0 in the DACH region. The annual probability of occurrence is 2%. What is the expected annual loss (EAL) for the investor?

Insider Tips

Munich Re's Korn Ferry tests are normed against quantitative professionals, significantly harder than standard graduate tests. Practice extensively with timed conditions.

Actuarial exam progress (DAV, IFOA, SOA) is highly valued. Passing CT3/CM1 before applying demonstrates quantitative ability.

Cat Bonds and ILS are core topics. Understand trigger mechanisms (indemnity, parametric, industry loss), tranche structures, and pricing.

Reinsurance principles (Rückversicherungsprinzipien): master proportional (quota share, surplus) and non-proportional (XL, stop-loss) treaty structures.

Munich Re's assessment centre case study typically involves a natural catastrophe scenario. Practice structured risk quantification using expected loss frameworks.

Munich Re values 'Risikokultur' (risk culture). Show genuine intellectual curiosity about risk science and a systematic approach to uncertainty.

Frequently Asked Questions

Quick Facts

IndustryReinsurance & Insurance
DifficultyVery Hard
HeadquartersMunich, Germany
Employees43,000+
Salary RangeEUR €60,000–€85,000 (graduate actuary, DE)

Graduate Roles

Graduate ActuaryUnderwriterRisk AnalystCat ModellerData ScientistSenior ActuaryChief Actuary

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