Group Life and AD&D
Excess Group Life and AD&D Insurance
Quota Share Group Life and AD&D Insurance
RGA's financial strength allows us to provide per person capacity amounts to meet virtually any market need. Our market leading capacity applies to both group life and AD&D and will be customized to meet your needs.
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Catastrophe Reinsurance
RGA's Catastrophe Excess of Loss reinsurance provides protection to an insurer's annual financial results by enabling clients to cover an entire portfolio (Individual and/or Group Life and Disability policies including Accidental Death and Dismemberment benefits) with limits of up to $20,000,000 per occurrence and $1,000,000 per person for both known and unknown concentrations.
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AD Carve Out
Carving out the accidental death aspect of Group and Individual Life insurance is an innovative strategy for managing risk post-9/11. In many instances, traditional group and individual life catastrophe covers are either unaffordable or have limitations unacceptable to many companies. An alternative offered by RGA U.S. Group Reinsurance is to manage your net retained exposure by carving out the accidental death risk while you keep the more predictable mortality risk, such as "death from sickness, disease, illness and natural causes."
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Accidental Death Benefit coverage can be an important component for your individual life insurance products. Unfortunately, this added benefit comes with an added risk. The AD benefit's additional limit pay-outs increase overall exposure and portfolio volatility. RGA U.S. Group Reinsurance can significantly reduce this volatility and stabilize your bottom line. We offer an innovative structure under which you transfer all or part of your ADB risk to us.
Specialty AD&D
RGA's reinsurance of Specialty AD&D encompasses accidental death and dismemberment benefits provided in policies such as, but not limited to, Stand Alone AD&D, Business Travel Accident, Personal Accident and Sports Team or other Travel policies. Reinsurance can also be written to respond to AD&D losses arising out of modes of transportation such as Common Carrier, Air Flight and other Conveyance. In addition to the AD&D benefit, these policies may also provide other ancillary benefits.
Student Health Excess of Loss
RGA's reinsurance of Student Health is designed to cover the student health benefits of universities and colleges throughout the United States on an excess of loss basis. Our primary focus is on the higher medical costs incurred with more catastrophic health diagnosis and accident related expenses. We also have an experienced staff of ROSE consultants who can assist or direct you to many cost saving measures to help you manage your claims. Please visit the
ROSE services section of our website.
Workers' Comp Industrial Aid Aircraft
Aircraft pose a concentration exposure that many workers' compensation carriers do not want to retain or include in their main treaty reinsurance programs. Facultative and treaty Workers' Compensation Industrial Aid (WCIA) Aircraft reinsurance from RGA allows you to provide your clients the coverage they need while limiting their exposure to aircraft concentrations.
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RGA offers program clients instant access to coverage with Wingman, a user-friendly web-based quoting solution that allows you to instantly generate a quote and bind or amend contracts on the spot.
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Out of Country Medical
RGA provides Out of Country Medical reinsurance to Canadian ceding companies who provide emergency hospital, medical and paramedical benefits through individual travel policies or group employer benefit policies. The reinsured coverage is tailored to Canadian citizens while they are traveling outside of their home province or country.
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