Kuvare

Kuvare creates life insurance and annuity products designed to protect consumers' retirements and to be simpler for distributor partners and financial professionals to sell and service.

Business segments

Kuvare's capabilities span several complementary business areas:

Retail annuity and life insurance solutions

• Flagship retail insurance carriers: Guaranty Income Life and United Life.
• Offer annuity and life insurance products focused on retirement protection.
• Distributed through three primary channels: financial institutions, Independent Marketing Organizations (IMOs) and independent agents.
• Both Guaranty Income Life and United Life are rated A- (Excellent) by AM Best, as stated on Kuvare's website.

Institutional insurance markets

• Kuvare Life Re and Lincoln Benefit Life provide reinsurance solutions to middle market insurance carriers.
• Solutions are designed to help carriers improve risk-based capital.

Investment management

• Internal and third-party asset management capabilities.
• Emphasis on specialized direct asset origination and capital-efficient structuring.

Technology services

• Proprietary end-to-end, cloud-based technology platform.
• Focus areas include digitally enabled distribution, customer servicing and workflow processes.
• Enhanced by digital sales processes and engagement, analytics, agile product development and innovation tracks.

Bespoke insurance solutions

• Through Ignite Partners, Kuvare offers strategic development of outsourced insurance services.
• Services include product design and underwriting, distribution and reinsurance planning for annuity and life carriers.

Kuvare headquarters

Address 5600 North River Road Suite 300 Rosemont, Illinois 60018 United States

Phone

• (847) 527-6700
• (312) 824-6310 (also listed for Kuvare Headquarters)

Corporate and media email contacts

As listed on kuvare.com:

• Investor Relations: [email protected]
• Press inquiries: [email protected]
• Position openings / careers: [email protected]
• Job openings: available via Indeed.com and other external job boards linked from the careers page.

Kuvare Asset Management – New York office

Address 28 Liberty Street 30th Floor New York, NY 10005 United States

Phone

• (646) 233-5450

Kuvare Life Re (KLR) – Bermuda office

Address Kuvare Life Re Ltd. Dorchester House 7 Church Street Hamilton HM11 Bermuda

Phone

• +1 441-543-9780

Additional contact details from KLR site The Kuvare Life Re website lists dedicated email addresses for:

• Investor relations
• Open positions
• Press inquiries

and provides a general contact number and email address for other inquiries.

(For the most accurate and current contact details, callers should rely on the emails and phone numbers published on kuvare.com and the official Kuvare Life Re website.)

Lists Holiday, Liberty, Hamilton, Dorchester, Lincoln, Superior, Goleta, and Rosemont as a location. Names North, Illinois, New York, and United States as a service area. Areas beyond these are not published.

Kuvare's stated values include:

Deliver on our promises

• Deliver on promises to policyholders, partners and colleagues.

Accountable

• Be accountable for execution.
• Empowerment to take action and be bold.
• Strive for high performance.

Contribute

• Exercise an obligation to contribute.
• Share opinions to help enable the best decisions.
• Provide and welcome feedback.
• Be fact-based in decision-making.

Influence

• Positively influence those around you.
• Be a positive force and support the growth of others.
• Operate with integrity.

Respect

• Respect and trust peers.
• Stand up for what is right.
• Assume positive intent.

Careers at Kuvare

• Kuvare is seeking self-motivated individuals with relevant professional skills who want to help build, shape and grow the business.
• The company positions itself as a place where employees can make a significant contribution to building a lasting and differentiated business in the U.S. life insurance industry.
• Open roles and job postings are listed online; the website directs candidates to external job boards such as Indeed.com for current opportunities.

Community engagement (Kuvare Kares)

Through its Kuvare Kares initiative, the company supports local communities via financial contributions and employee volunteer efforts. Examples of activities and partner events listed on the website include:

• Back to School drives.
• Meals on Wheels participation.
• Out of Darkness Walk.
• Big Brothers Big Sisters "Bowling for Kids' Sake".
• Holiday "Adopt a Family" events.
• JP Morgan Corporate Challenge.
• Employee citizenship celebrations.
• Variety: The Children's Charity events.
• Local community races and charity golf outings.

Kuvare states that it focuses on organizations where it can make the most impact, aligning with causes that are important to the company and its employees.

• Kuvare Life Re (KLR)
• Lincoln Benefit Life

These businesses partner with middle market insurance carriers to provide reinsurance structures that help improve risk-based capital.

Kuvare Life Re (KLR)

• KLR is a Bermuda-domiciled Class E reinsurer.
• Founded in 2016.
• Focuses on partnering with insurers in the U.S. marketplace and beyond.
• Has executed multiple reinsurance transactions with highly rated counterparties.
• Kuvare's website states that these transactions represent approximately $10 billion of third-party reinsurance reserves.

Principal strengths of KLR (as described on the website)

• Brand-first approach supported by an investment strategy led by professionals at Kuvare Strategic Investments and leading third-party asset managers with long insurance track records.
• Creativity and innovation as a strategically important part of the broader Kuvare group, founded and led by insurance professionals.
• Experienced professionals with a track record of sensible, profitable growth, partnering with highly rated insurance companies and emphasizing strategic, long-term partnerships.
• Permanent capital backing, supported by long-term investors and strong access to capital markets.

Lincoln Benefit Life

• Lincoln Benefit Life is part of Kuvare's institutional insurance markets segment.
• Works alongside Kuvare Life Re to deliver reinsurance solutions aimed at improving risk-based capital for partner insurers.

How institutional solutions fit within Kuvare

• Institutional reinsurance complements Kuvare's retail annuity and life insurance, asset management and technology services.
• Together, these capabilities are designed to support carriers with capital-efficient structures while ultimately benefiting policyholders and investors.

• A people-first, growth-focused culture.
• Emphasis on accountability, responsiveness and delivering on promises.
• Focus on creating long-term value for policyholders, distribution partners, carrier clients and investors.

Proven capabilities

According to Kuvare's website, the group combines a set of operating capabilities and intellectual capital to build highly successful, profitable, growth-oriented financial services companies, including:

• Highly capitalized and profitable insurance operations.
• Integrated and complementary financial services across retail insurance, reinsurance, asset management and technology.
• Superior investment capabilities with a focus on specialized direct asset origination and capital-efficient structures.
• Modern and highly adaptive technology supporting digital distribution and servicing.
• A competitive portfolio of fixed indexed annuity, fixed annuity and life insurance products.
• Robust risk management.

Financially strong with patient capital

• Kuvare is backed by investors with deep experience in financial services and insurance.
• Investors provide long-term, permanent capital with an endowment-style approach, including higher education and sovereign wealth fund investors, as described on the website.
• Kuvare is built for the long term and invests its capital with a focus on sustainable growth opportunities.

Leadership

• The business highlights a seasoned leadership team with significant experience in insurance and financial services.
• Leadership is positioned as central to executing Kuvare's growth strategy and its mission of reinventing insurance for the benefit of everyday Americans and the professionals and institutions that serve them.

• Guaranty Income Life
• United Life

Both carriers focus on annuity and life insurance products that help protect consumers' retirement income.

Distribution channels

According to Kuvare's website, Guaranty Income Life and United Life distribute their retail annuity and life insurance products through three primary channels:

1. Financial institutions
2. Independent Marketing Organizations (IMOs)
3. Independent agents

These channels are designed to make Kuvare's retirement-focused products available to consumers through the financial professionals who advise them.

Ratings

• Both Guaranty Income Life and United Life are rated A- (Excellent) by AM Best, as stated on Kuvare's website.

Role in the overall Kuvare platform

• Retail annuity and life insurance solutions are a core component of Kuvare's broader insurance and retirement platform.
• These solutions work alongside reinsurance, asset management, technology and bespoke carrier services to support consumers, distributors and carrier partners.

Ask anyway — the agent will say plainly that it is not published rather than guess.