​Facultative and Underwriting Expertise​​​​
Our underwriting expertise is one of​ our greatest competitive advantages. We provide underwriting support for individual life, living benefits, longevity and group reinsurance products.

World’s Leading Facultative Underwriter

When it comes to facultative reinsurance expertise, RGA is the world’s leading facultative underwriter. As a global organization, RGA reviewed more than 580,000 cases in 2013 and has received nearly 5 million cases since 1979.

We specialize in individual large-case underwriting and substandard risk assessment. We are experienced assessing very high sums-assured for personal and business insurance, as well as the more complex medical impairments.

Timely Service

Clients turn to us for facultative reinsurance because they know they will receive an informative and comprehensive decision that is competitively priced — and delivered with a sense of urgency. We review most facultative applications within 24 hours depending upon the local market conditions.

Preferred Risk Analysis

We have significant expertise in designing and supporting preferred risk products. We can help you create the preferred product that is right for your market.

Large Case Capacity

We maintain close relationships with a global network of retrocessionaires, which allows us to quickly secure available capacity to underwrite and place large risks so you can write more business.

e-Underwriting Tools

We offer innovative e-Underwriting Solutions including AURA, AURA Hosted and ASAP that enable you to review more applications faster and with greater underwriting consistency.

Underwriting Document Reviews

We also provide value-added services such as underwriting document reviews which include assessing the application forms and suggesting improvements that will enhance the clarity of the forms, as well as reduce the possibility of non-disclosure and anti-selection. We can also evaluate your underwriting questionnaires and your processes for collecting and analyzing medical information.

Hands-On Training for Client Underwriters

We also believe in the power of shared knowledge. When you partner with us, we will help your underwriters stay abreast of the latest underwriting tools and trends through underwriting conferences and training opportunities including RGA’s Underwriting University Program (UUP) and Global Underwriting Learning Framework (GULF). We also share our underwriting knowledge and expertise through webcasts, newsletters, white papers and articles.

Ongoing Education for Our Underwriters

At RGA, we are committed to the ongoing education of our underwriters so they remain up-to-date on the latest tools and data available to improve the underwriting process.

Typically, we have the most test sites of any insurance company in the world for the Academy of Life Underwriters (ALU). We encourage and support underwriters in their pursuit of ongoing professional development.

Many of our underwriters are also involved with the ALU as test writers and serve as writers or editors for On the Risk magazine. In addition, our underwriters lend their professional expertise to benefit underwriting associations around the world and played a critical role in the launch of the Polish Association of Underwriters, the Underwriting Association of Japan and the Association of Indian Underwriters.

We invite you to contact us to learn how RGA’s facultative underwriting team can help you transfer mortality risk and strengthen your underwriting processes to write more profitable business. Please click on the Global Directory to find a local contact in the market that is of interest to you.