Receive
We work with insurers to take over or structure the transfer of legacy or non-core individual protection portfolios, with a seamless execution framework.
Horizons Insurance
A new home for legacy protection portfolios
Horizons Insurance is building a specialized platform to take on & manage legacy individual protection portfolios, with a disciplined operational, actuarial and regulatory approach.
Being set up in France, serving the European Union
What we do
A focused platform for legacy protection
We are building a platform dedicated to legacy individual protection portfolios: a structure designed to support transfers, ensure high-quality servicing, and create durable value through specialized execution.
Operate
We provide dedicated administration, claims management and portfolio steering, supported by purpose-built processes and systems.
Optimize
We seek to enhance both the polichyolder experience and the long-term portfolio performance.
Why this matters
A segment requiring specialized stewardship
Across Europe, many individual protection portfolios have become non-core, operationally fragmented,
or difficult to modernize. These portfolios require focused attention, specific expertise and long-term commitment.
A dedicated platform can support smoother transfers, stronger operational execution and more consistent outcomes for all stakeholders, including policyholders.
A dedicated platform can support smoother transfers, stronger operational execution and more consistent outcomes for all stakeholders, including policyholders.
Our approach
Built for discipline and continuity
Our model is grounded in three principles: operational specialization, actuarial discipline and regulatory alignment. Together, they shape a platform intended to manage legacy portfolios with care, clarity and long-term consistency.
Operational specialization
End-to-end focus on legacy portfolio administration and claims, with dedicated tools, processes and expertise designed for books that require sustained, specialized attention.
Partnership mindset
Working closely with protection portfolios' original insurers to help them solve their core operational & risk issues. Working closely with specialized reinsurers to steer risks and maximize expertise.
Policyholder servicing & regulatory alignment
Designed from inception with governance, transparency and prudence at its core, to best serve the interests of the policyholders and of their families.
Stakeholders
Aligned with all stakeholders
The platform is designed to be relevant to policyholders, ceding insurers, capital partners - and the broader supervisory environment, with a consistent emphasis on continuity, governance and long-term resilience.
Insurers
Ceding insurers
A reliable, execution-focused partner for the transfer and long-term management of legacy individual protection portfolios.
Capital partners
Capital partners
Access to a large and fragmented segment through a focused platform built around disciplined operations and long-term stewardship.
Policyholders
Supervisory environment
A structure designed around policyholder protection, sound governance and the resilience expected of an insurance carrier.
Contact
Let's talk:
Horizons Insurance is being set up in France with a European ambition. For confidential discussions, introductions or further information, please reach out directly: