Hong Kong and Southeast Asia​​
RGA Reinsurance Company​

​​Shih-Nin Low 
Managing Director,
Southeast Asia                                                         ​​                    
Amit Punchhi,
Chief Executive Officer,
Hong Kong Branch and General Manager,
Hong Kong, Singapore, India and Asia High Net Worth Markets

RGA Hong Kong and Southeast Asia has a strong presence in the rapidly growing Asian market. We serve more than 70 clients in Southeast Asia, including Singapore, Thailand, the Philippines, Indonesia, Malaysia and Vietnam. We have steadily increased our market share so that we are now one of the market leaders in Hong Kong and Southeast Asia less than two decades after commencing operations in this region.

We were ranked #1 in regional and national NMG Consulting studies on the Business Capability Index for the Asia Region (2014)  and named “Life Reinsurer of the Year” by the Asia Insurance Industry Awards (2008, 2012). We focus on providing the best client services, being the most efficient in delivering innovative and practical solutions, and adopting an aggressive pricing strategy. Our deep understanding of the local insurance markets is another reason why we are one of the most successful reinsurers in Hong Kong and Southeast Asia.

The Hong Kong office management team has significant experience working with direct insurers in various roles. Having this knowledge of the insurer’s perspective enables us to understand our clients better and thus provide better solutions.


Most Client-Focused 
RGA’s vision is to have our clients consider a long-term relationship with RGA integral to their business success, enhancing their prosperity by supporting their financial and risk management capabilities. We realize this vision by being the most client-focused life and health reinsurer.

We work closely with clients, sharing our global insights and expertise to help them create specialized products, manage risks and capital, and succeed in their markets. Whether a client wants to bring a new product to market, improve its underwriting process and results, or better manage its risk and capital through financial solutions, our team can help clients realize their business objectives.

In each year from 2008 to 2014, we were top-rated on the Business Capability Index in Hong Kong and Southeast Asia, according to NMG Consulting’s Life and Health Reinsurance Programme. The BCI is a composite index that measures the satisfaction of direct insurers with the relative capabilities of reinsurers’ effectiveness across several key areas: business acquisition, relationship management, operational management, technology deployment, product management, and the breadth and delivery of products and services. 

Products and Services 
With our local expertise and access to RGA’s global resources, RGA Hong Kong has extensive product development capabilities in both conventional insurance and takaful (also known as Shariah insurance).

Rather than asking clients to adjust their needs to fit our products, we tailor our products to fit our clients’ needs. And our experts continually research mortality/morbidity trends to strengthen our position as the market leader in insurance solutions. For example, we are in the forefront of offering product development support on new generations of critical illness and protection products to our clients throughout Hong Kong and Southeast Asia.

We support our clients in developing new products for multichannel distribution avenues such as bancassurance, direct marketing, telemarketing and online marketing. We also are the leader in the high net worth market, helping our clients to serve their high net worth and affluent customers. I addition, we offer financial solutions expertise and capital-motivated reinsurance to help clients manage their financial risk and improve their capital position.


RGA Hong Kong has the most experienced underwriting teams of any reinsurer in Hong Kong and Southeast Asia. Clients come to us for facultative underwriting with sound decisions, quick turnaround times and effective underwriting solutions. We help our clients develop up-sell and cross-sell programs and specialize in designing specific underwriting approaches for different distribution channels.

Many companies in Asia are attracted by the High Net Worth (HNW) opportunity. Continued high growth rates are expected in the future, with growing Asian wealth, growing awareness of this form of insurance and growing private bank distribution networks. RGA has been in this market since 2003. We are the leading reinsurer in this market, and in addition to providing strong support in product development, we have coupled our HNW strategy with the best underwriting service possible in these areas:


·         Facultative service

·         Using case studies, training in product concepts and underwriting knowledge for distribution channels

·         Training of underwriters

·         Overflow support

·         Developing and updating underwriting guidelines

RGA provides the Global Underwriting Manual (GUM), which is an Internet-based underwriting manual that is updated regularly based on the latest research. Our GULF Academy program enables participants to provide leadership in developing underwriting teams and creating effective risk management strategies. GULF is not only a proven risk management training program, it is also a flexible learning framework supported by more than 80 training modules that can be tailored for underwriting, claims and related personnel at all experience levels.

We hold an annual Underwriting and Claims Seminar which is a gala conference that features experts from around the world speaking on topical issues of interest to our clients. 

We also offer AURA (Automated Underwriting and Risk Analysis), the premier e-underwriting solution in the industry. It enables real-time underwriting at points of sale, from agents’ laptops or iPad® to bank counter and online applications submitted from the applicant’s own home or office. AURA helps insurance companies improve data-gathering from the application, ensure consistent underwriting decisions, lower underwriting costs and reduce policy issue timelines in order to increase placement rates.

Value-Added Services 
RGA Hong Kong offers a host of value-added services to benefit our client, including support in experience studies, Voice of the Channel research, and process and underwriting reviews, just to name a few. RGA Hong Kong team members also conduct client training sessions and seminars, sharing their knowledge and expertise in marketing, product development and underwriting with members of the life insurance industry in Hong Kong and Southeast Asia.


We invite you to contact us to learn more about how we can meet your reinsurance needs – whether you want to bring a new product to market, improve the performance of an existing product or better manage your risk and capital through financial solutions.


Hong Kong and Southeast Asia

Products and Services

Useful Links

Global Underwriting Manual (GUM)
e-Underwriting Solutions/AURA​ Global Underwriting Learning Framework (GULF)
RGA Home


RGA Reinsurance Company
Hong Kong Branch
4/F. Cambridge House
Taikoo Place
979 King’s Road
Hong Kong
T 852.2511.8688
F 852.2511.8827

RGA Global Reinsurance Company Ltd Labuan Branch
KL Co-located Office
Unit No. A-15-13, Level 15, Tower A, Menara UOA Bangsar,
No. 5 Jalan Bangsar Utama 1, 59000 Bangsar
Kuala Lumpur, Malaysia
T 603.2727.1783