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Product Development

RGA can support your growth objectives on a global scale. We combine professionalism, innovation, expertise and an emphasis on execution to help our clients develop new products and write more new business.

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RGA Capabilities

Click on a circle in the below diagram to learn more about each phase of the product development process

Strategy Development Insurance Product and Pricing Underwriting
Distribution and Marketing IT/Operations Admin/Claims Reinsurance and Capital

We work with the following entities as a strategic partner:

  • Life and health insurers looking to launch new products
  • Non-life and health insurers seeking to cross-sell life and health products to their customer bases
  • Distributors, retailers, banks, or affinity groups pursing life and health insurance sales
  • Disruptive new market entrants 

Clients trust RGA as their product development partner because of our:

  • History and track record of successfully executed product launches
  • Openness to new ideas and willingness to invest in new technologies
  • Local presence and deep local market knowledge
  • Ability to navigate complex local capital and regulatory environments
  • Leading product ideas and strategies derived from a global view of trends and innovation
  • State-of-the-art underwriting, rating, and pricing expertise critical to achieving product profitability
  • Data-driven assumptions based on reputable sources and hard facts
  • Outstanding client service and value

Our focus on specific product types has been fundamental in helping RGA achieve and sustain its leadership position. Examples of key RGA core offerings include: 

  • Critical Illness, Disability Income, Long-Term Care
  • High Net Worth Universal Life
  • Wellness
  • Mortality and Life Protection Riders
  • Simplified Issue Products
  • Credit Life
  • Condition-specific products (i.e. Cancer Reimbursement)
  • Hospital Income, Hospital Reimbursement
  • Group and Voluntary Products
  • Takaful and Retakaful