Michael L. Emerson
Executive Vice President
Head of U.S. and Latin and South American Markets
About U.S. Markets
What makes the U.S. Markets team so successful that it has been named “Best Overall Life Reinsurer” in North America five consecutive times? The answer is exceptional facultative underwriting, innovative products and timely service – backed by a financially secure company.
We have been named “Best Overall Life Reinsurer” in the biennial Flaspöhler Cedant Survey of life reinsurance companies in North America in 2005, 2007, 2009, 2011 and 2013. This recognition comes directly from our clients who are best able to judge our performance.
We operate in the U.S. through RGA Reinsurance Company and count the majority of the 100 largest life insurance companies among our clients.
World’s Leading Facultative Underwriter
When it comes to facultative reinsurance, RGA is the worldwide leader. In the U.S., we processed more than 114,000 facultative applications in 2013. As a global organization, RGA reviewed more than 580,000 cases in 2013 and has received nearly 5 million cases since 1979.
A Global In-Force Leader
RGA also manages one of the largest in-force blocks in the life reinsurance industry with approximately $2.9 trillion of life reinsurance in force. RGA's extensive mortality and morbidity databases are among the largest worldwide.
Comprehensive Products and Services
We offer a comprehensive line of products and services in the U.S. including individual life reinsurance, individual living benefits reinsurance, group reinsurance and product development solutions, supported by our industry-leading underwriting and actuarial expertise.
We expanded our commitment to the U.S. group reinsurance market by adding the staff, products and services of the former ING Reinsurance division. The U.S. Group Reinsurance team provides group life, health, disability, accident and specialty reinsurance, and serves local, regional and national insurance companies and health plans in North America.
A Financial Solutions Pioneer
RGA pioneered the use of reinsurance as a financial management tool and we have been helping our clients manage risk and capital through financial solutions for decades. Our finance, investment and risk experts are specialists in measuring and quantifying insurance and investment risk, as well as evaluating the merits of using financial solutions to make better use of capital.
RGA offers innovative e-Underwriting Solutions developed by our underwriting, business and technology experts to help your organization underwrite better, faster and with greater consistency.
Our flagship underwriting product, AURA, has the strongest underwriting rules engine on the market, with thousands of underwriting rules covering impairments, medications, sports, prescription drug histories, avocations and treatments. We also offer AURA Hosted, which is particularly effective at removing barriers in bringing simplified-issue solutions to market. It can be implemented quickly, securely and easily in almost any environment.
Hands-On Training for Client Underwriters and Actuaries
At RGA, we believe in the power of shared knowledge. When you partner with us, we will help your underwriters and actuaries stay abreast of the latest knowledge, research and trends through conferences and training opportunities, including RGA’s Underwriting University Program. We also share our insight and expertise through Underwriting Connection, webcasts, newsletters, white papers and articles.
Advancing the U.S. Insurance Industry
We have a strong commitment to the growth and success of the U.S. insurance industry. Many of our experts have played key roles in supporting numerous insurance organizations and associations, including the Society of Actuaries, American Academy of Insurance Medicine, American Academy of Actuaries, Home Office Underwriters Association, Academy of Life Underwriting and the Life Management Institute.
We welcome the opportunity to create customized reinsurance solutions for you — 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.