Flexible, adaptive global guidance
With 6 decades of experience, we offer a pooling solution trusted by international companies around the world. Through reinsurance, the Redion EB Lifecycle Pooling solution brings the results of local and cross‑border group policies together in a single profit‑sharing account. It helps balance strong and weak years across policies—and when your pool performs well, you may receive a pooling dividend.
The Lifecycle Pool is designed for the main group benefits companies offer worldwide:
Coverage availability depends on local regulations and insurers.
The Lifecycle Pooling solution brings together two modes in a single, flexible approach:
Multiemployer pooling for smaller companies, and Standalone pooling for larger, more complex programs.
As your business grows or changes, your pooling mode can adapt—without signing a new agreement each time.
This mode brings together the experience of several companies to create a more stable, predictable pool. It’s ideal for smaller groups that may be more affected by claim volatility or don’t yet meet the thresholds for a Standalone pool.
This mode is designed for multinationals with more countries in scope and a need for greater flexibility and tailored risk management.
At the end of the first contract year, a client moves into Standalone mode if the portfolio meets the required thresholds.
If a Standalone pool no longer meets those thresholds, it automatically moves to Multiemployer mode.
The process is seamless—no renegotiations and no new agreement needed.
At least EUR 20,000 in pooled premiums*
At least two countries, or one during the first year
Minimum EUR 2,000 per country
At least EUR 1,000,000 in pooled premiums*
At least three countries
Minimum EUR 50,000 per country
* Premiums must be placed with Redion EB Network Partners
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