Facultative Underwriting

RGA is the largest facultative writer in North America and a leader worldwide. Its facultative underwriting capacity exceeds 100,000 cases per year in the U.S. and more than 250,000 worldwide. RGA’s U.S. division has reviewed approximately 2,000,000 cases since 1979.

The company’s recognized leadership in facultative underwriting stems from its continued commitment to providing clients with outstanding, innovative and cost-competitive reinsurance risk solutions with industry-leading time and customer service.

RGA is at the forefront of large-case underwriting and substandard risk assessment. Its experience in assessing large amounts for Key-man coverage, stock redemption agreements and estate planning can facilitate the expedient approval of financially challenging risks.

The experience RGA has garnered while developing the company’s large portfolio of substandard risks provides clients with tremendous value. Through RGA's facultative underwriting program, clients have access to:

• Experienced and professional underwriters
• Superior time service
• Underwriting information/education
• Underwriting reviews and audits
• Preferred risk analysis
• Large case capacity
• Technology innovation
• The Longer Life Foundation

RGA’s facultative underwriting programs can help insurers place more challenging business. The company uses its extensive risk selection experience, global expertise and industry-leading service to help clients:

• Place more policies
• Improve acquisition expense ratios
• Increase revenues
• Provide the best service to their customers, agents and brokers
• Beat the competition with competitive offers

RGA makes a difference for its clients by helping them build a more profitable business through expert underwriting and responsive service.