More than advice. We manufacture insurance.

FES is able to successfully develop almost any life assurance or non-life insurance product, and we have a strong record of successful products in both categories. Within life assurance we have expertise across each of the main areas of business: Protection (life, health and disability), Investments (unit-linked, guaranteed and other savings-based products), and Pensions.

In the Benelux countries we have earned a strong record for developing class-leading products that have achieved outstanding success in their respective markets, especially in the field of protection products — notably mortgage term assurance.

FES not only develops new products — we also have the skills to ensure that new products and ideas are successfully implemented.

One of our key strengths is that we operate across a wide range of entities within the broader insurance world, allowing us to put in place underwriting, systems, and distribution solutions that support the products we develop. It's our thorough understanding of what a product needs to succeed that underpins our reputation in the market.

The actuaries at FES have implemented — writing the specs and overseeing development — more than a dozen insurance applications, working with system providers on both the life and non-life side.

We're expert at implementing system solutions that work, and that operate at a low economic cost per policy.

On both the life and non-life side, FES has found underwriting partners and underwriting capacity for multiple clients. Our ability to find the right partner is a key calling card of our success.

FES has contacts across all the major European reinsurance companies, and close relationships with several of them — including Hannover Re, the third-largest reinsurer in the world.

Finding reinsurance capacity for our clients is a service we're often involved in, but our relationships with reinsurers go far deeper than that. When we start new projects at FES, getting the right reinsurer on board is often one of the first steps we take.

The reinsurer plays a crucial role — not only providing the capacity to allow a business to be written, but also setting the base-level pricing for the products we develop. Keeping that base pricing competitive is key to the success our products enjoy in the market.

FES maintains relationships with many of the leading reinsurance companies in Europe, though our deepest ties are with Hannover Re — where Peter has a relationship going back more than 30 years — and Ageas-Re, of which partner Jan Van Rethy was the founding CEO.

FES has acted as consultant or facilitator in the sale and purchase of insurance companies numerous times. In the process, we've founded insurance companies for our own shareholders and for clients, found buyers for companies that were for sale, and helped give insurers a new lease on life through changes to strategic positioning and product focus.

Transactions we've been closely involved in include the incorporation of Quantum Leben (Liechtenstein), the sale of Asco Life — now Patronale Life (Belgium) — the sale of Mobius Life (United Kingdom), and the sale of Robijn Leven (the Netherlands).

Funding of acquisition costs — FES has considerable experience arranging funding to cover acquisition costs for insurance operations. Our solutions are straightforward and cost-efficient, and have helped many clients grow without needing capital injections.

Disposal of closed portfolios — We advise on and assist with the disposal of closed portfolios, covering both life and non-life policy types — from finding acquisition partners to managing the technical aspects of the transfer and securing the necessary regulatory approvals.