Critical illness insurance has come a long way from the late 1980s when it only covered four impairments – heart attack, cancer, stroke and coronary artery bypass surgery.
Today, critical illness insurance covers many more impairments, yet the definition of what constitutes a critical illness continues to change in light of advances in medical research, diagnostics, technology and new treatment modalities.
While critical illness continues to evolve as a product line, its basic mission has remained the same – to protect the financial integrity of an individual at a time when it is most needed.
At RGA, we use our extensive experience in mortality and morbidity, along with our expertise in product development, to help you create critical illness products. We can help you determine which impairments to cover and develop definitional language that maintains the spirit of the policy while mitigating your risk.
Critical Illness Reinsurance Solutions
Listed below are examples of critical illness reinsurance products that are supported by RGA:
- Limited-pay critical illness
- Multi-pay critical illness
- Female critical illness
- Juvenile critical illness
- Simplified-issue cancer
- Return of premium (ROP) products including death, cancer
and hospital cash
- Staged cancer
Click on the Global Directory to find the RGA location that is of interest to you to determine if we offer individual critical illness reinsurance in your market. If it is not currently offered, we would welcome the opportunity to talk with you to determine how we can meet your individual critical illness reinsurance needs.