Lawrence Graham insurance and reinsurance

Products and advisory

We offer a complete service to life and non-life insurers, brokers and intermediaries in relation to all aspects of their general and long term insurance and reinsurance products.

We have assisted numerous insurers in designing and developing core and innovative products, and our role includes considering tax and regulatory implications, preparing or vetting policy wordings and marketing materials and advising on all contractual issues.

Where appropriate we work together with our regulatory and compliance lawyers on regulatory issues and conduct of business requirements.  We have extensive experience of advising on distribution matters such as appointed representative related issues and employee vetting obligations for authorised persons and their appointed representatives, including ongoing training and competence requirements.

Our particular areas of expertise in relation to products include group insurances for employees, structured investment products and pensions business.

Products and advisory

We can advise you on:

  • Group insurances for employees
  • Structured investments products
  • Pensions business

Products and advisory

Typical examples of the type of work undertaken by the team include:

  • Advising on the trustee of BMW's UK pension scheme on its longevity hedge with Abbey Life, the largest insured longevity swap entered into by an occupational pension scheme
  • Assisting in the development of a new bulk buy-out annuity product involving the use of near-shore captives and the structuring of reinsurance arrangements
  • Reviewing an insurer's complete range of pension and investment products in the light of forthcoming changes to the unfair contract terms legislation under the Consumer Rights Directive
  • Advising on the development and drafting of a new D&O product for the small to midmarket for a new provider in conjunction with the broker
  • Advising on, and drafting, various forms of warranty replacement insurance and limited scope transactional risk insurance products for an insurer
  • Advising on the establishing and operation of near-shore and offshore captives in Guernsey and Isle of Man
  • Advising a UK insurer in relation to the structure of its distribution model to take into account tax and compliance requirements
  • Undertaking a detailed D&O/E&O policy wordings review for a global corporate
  • Advising a Bermudan Class IV insurer on aspects of its restructuring in advance of the implementation of Solvency II
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Products and advisory

"Robert Smith 'speaks authoritatively and provides pragmatic advice'" – The Legal 500 UK

"The team at Lawrence Graham LLP is ‘approachable and easy to deal with, and helpfully aware of client cost concerns’" – The Legal 500 UK


Robert Smith
Partner, Pensions
Robert Smith
Nick Bradley
Partner, Head of Insurance and Reinsurance
Nick Bradley
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