When it comes to disability insurance, stability and profitability can be a challenge for insurers because the market tends to be volatile due to changing economic conditions, new types of disabilities and other variables.
Whether you have been in the individual disability market for decades or you are thinking about entering the disability market for the first time, RGA can help. We can provide you with risk transfer to smooth out fluctuations in morbidity, alleviate a surplus strain problem related to new business development, and provide outstanding underwriting and claims assistance. In addition, we have significant expertise designing innovative products that can enhance your existing disability product line.
A Global Leader
We are the global leader in facultative underwriting and our mortality and morbidity databases are among the largest in the world.
We serve the top life insurers in most of the major markets of the world, giving us an in-depth understanding of local disability regulations. We also stay abreast of pending regulatory changes that could significantly affect the disability risk landscape.
Individual Disability Solutions
Listed below are examples of individual disability insurance products that are supported by RGA, which vary by market. We offer quota share and excess reinsurance on a YRT or coinsurance rate basis.
- Short-term disability
- Long-term disability
- Accidental partial disability
- Total and permanent disability
- Lump-sum disability
- Special risk disability (special occupations, international locations, etc.)
- Personal and disability income
To learn more about our individual disability reinsurance solutions, please click on the
Global Directory to find the market that is of interest to you. If we currently do not offer individual disability reinsurance in your market, we would welcome the opportunity to talk with you to explore how we could meet your individual disability reinsurance needs.