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Life Reinsurance

With more than $3 trillion of life reinsurance in force, RGA is a global leader in mortality risk. Our mortality and morbidity databases are among the largest in the world, enabling us to identify and capitalize on demographic and experience trends across the individual and group life reinsurance markets. 

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Individual Life

We reinsure all life insurance products including: 

  • Term
  • Whole life
  • Universal life
  • Supplemental benefits and riders
  • Joint and last survivor
  • Corporate-owned life insurance and bank-owned life insurance
    (COLI and BOLI)
  • Mortality catastrophe
  • Simplified issue (yearly renewable term or coinsurance)
Clients who turn to RGA can expect:
  • Expert actuarial and underwriting guidance. RGA helps set and refine mortality expectations and define the impact of changes to underwriting protocol.
  • Local market insight and global underwriting expertise. RGA partners with clients to customize underwriting approaches to align with the risk profile of each product
  • Excellent service to support every client's success. Your goals are our goals. We share your incentive to improve mortality experience
  • Numerous value-added services, including:
    • Simplified issue expertise: RGA's team delivers state-of-the-art underwriting and rules design and e-underwriting solutions.
    • Facultative underwriting: RGA is the world leader in facultative, or individual large-case, underwriting and substandard risk assessment. 
    • Automatic reinsurance: Automatic reinsurance from RGA provides an efficient and cost-effective way to outsource mortality risk, reduce claims volatility and free capital to deploy in other businesses. 
 

RGA’s international team of experts is dedicated to delivering state-of-the-art underwriting and rules design and innovative e-Underwriting solutions. RGA’s AURA (Automated Underwriting and Risk Analysis)platform enables clients to place policies, capture information, improve consistency and reduce costs. Available in 10 languages, AURA provides straight-through e-underwriting and management for more than three million life, health and annuity applications annually.
RGA’s international team of experts is dedicated to delivering state-of-the-art underwriting and rules design and innovative e-Underwriting solutions. RGA’s AURA (Automated Underwriting and Risk Analysis)platform enables clients to place policies, capture information, improve consistency and reduce costs. Available in 10 languages, AURA provides straight-through e-underwriting and management for more than three million life, health and annuity applications annually.

Group Life

RGA offers a variety of group life, accident and specialty products, including: 

RGA offers a range of value-added services: 

Actuarial

  • Continuing education session
  • Quarterly earnings summary
  • Benchmarking of rates
  • Monte Carlo retention analysis
  • Peer review
  • Pricing assumption and algorithm review
  • Product development and pricing for unique risks
  • Predictive modeling
  • Reserve adequacy analysis and assumption review

Claims

  • Operational assessment
  • Plan design improvements for group benefits
  • Industry claim trends
  • Strategic partners
  • Claim data analysis and focused assessment

Market Intelligence:

  • Publications
  • Webcasts
  • Conferences/Seminars 

Research and Surveys

  • Industry surveys
  • Ad hoc research services
  • Industry news curation

Risk Management:

  • Risk profile evaluations 
  • Customized guidance on collection and monitoring of concentration data; process, reports, dashboards
  • Mapping and modeling
  • Identification of concentrations in proximity to terror or natural disaster zones

Underwriting: 

  • General advice and consult
  • Case specific (facultative) consultation and risk review
  • Workshops and training
  • Operation and file reviews
  • Policy, plan design, and guidelines 
  • Medical underwriting

For a full listing, download our Summary of Services