Technology

Business Lines

back
- Protection We are global experts in managing and evaluating mortality, critical illness, disability, medical and associated risks.
  - Europe
  - Asia
  - Australia
  - North America
- Savings & Retirement We provide longevity and funded reinsurance solutions that seek to reduce risk exposures, improve capital efficiency and increase new business volumes.
About us

back
- About us We are a global reinsurance company providing protection and savings and retirement products. Our client base stretches across the world from the UK and Europe to North America, Asia and Australia.
Insights
Careers

back
- Overview Join us and take your career to the next level.
  - Early careers
  - Current vacancies
- Working here Learn more about what it's like to work here.
  - Diversity & Inclusion
  - Health and wellbeing
Sustainability

back
- Overview As a business we recognise the need to play our part in addressing the global challenges of climate change and social inequality as well as ensuring corporate transparency and accountability.
  - Environmental stewardship
- Philanthropy Philanthropy is a key component of our approach to Sustainability, from driving positive impact through our social engagement to supporting initiatives that provide for a more sustainable environment.
  - Charity partners
contact us

Our technology

How is AI reshaping life insurance?

Artificial Intelligence is no longer just a buzzword—it’s transforming the way we work, the services we offer, and the experiences we create for our customers. In this short video, colleagues from both Pacific Life Re and UnderwriteMe share their perspectives on how AI is already making an impact across our industry.

From the most impressive applications they’ve seen, to the opportunities AI presents in new business and claims, our teams reflect on how customer expectations are evolving and what we all need to do differently as AI becomes part of our everyday operations.

Their insights offer a compelling look at how AI is helping us innovate, adapt, and deliver even greater value to our clients and the wider life insurance market.

Ocean underwriting manual

Ocean covers a comprehensive range of products that include: life, critical illness, total and permanent disability, income protection, hospital expenses and cancer. With over 1,000 pages and it's continually being updated with new content in line with changes in risk profiles.

Rethinking underwriting

Our next generation underwriting guide

Ocean is, and always will be, a global underwriting manual written by underwriters, for underwriters. We understand the challenges and complexities in our ever-changing markets, where transparency, inclusivity and competitiveness are vital. Driven by the most credible medical and epidemiological studies, and supported by our global, expert panel of CMOs, actuaries and data scientists, Ocean gives users the tools to carry out accurate risk assessment.

Ocean is committed to empowering life and health insurers by providing easy-to-use, evidence-based underwriting philosophy to support accurate risk assessment.

To find out more click here

underwrite me

Protect more lives faster

UnderwriteMe’s vision is to help make insurance accessible to everyone. They develop technology products that disrupt and enable the future of distribution and the future of underwriting.

The Protection Platform is for distributors to complete one application, compare underwritten prices, and product features, and put customers on risk - all from a single platform. To find out more visit the Protection Platform website.

UnderwriteMe’s Decision Platform empowers insurers to enhance their underwriting and claims decision-making with cutting-edge automation, data and technology. The solution is designed to be both flexible and modular, tailoring to the needs of each insurer. To find out more visit the Decision Platform website.

Now live: Protection Platform Pulse Report 2025

We’re delighted to share UnderwriteMe’s latest Protection Platform Pulse Report which offers a data-driven view of the life and protection insurance submission activity across 2024.

While created with advisers in mind, it also delivers valuable insights for insurers — revealing trends in the adviser journey, customer disclosures, and product uptake. These insights are based on real application data from the Protection Platform and offers insurers a unique lens to refine products, boost straight through processing rates, and align with evolving customer needs.