Living Benefits

RGA provides reinsurance support to clients on a variety of living benefits products, including:

Critical Illness

Critical Illness is the form of living benefits RGA reinsures most often. The company’s cross-disciplined team assists clients with their product development needs through market-leading research, analysis of emerging trends and innovative product ideas. Leveraging the expertise of professionals in local offices around the world, RGA is well-positioned to tailor innovative solutions that meet client needs.

Health Insurance

As increasing numbers of clients expand into the growing health insurance market, RGA’s experienced international health insurance team provides the high level of support clients have come to expect from RGA in this challenging segment. RGA’s team is focused on both reimbursement and fixed benefit products in the Private Medical Insurance arena. In select and carefully researched markets, RGA provides support in reinsurance protection and risk management solutions; healthcare product development; and in technical support such as pricing, underwriting and claims.

Long-Term Care

The reinsurance market has tightened for health products such as Long-Term Care Insurance, and it is difficult for new entrants to find suitable risk partners. RGA offers customized solutions that include traditional risk management, improved capital efficiency, and support of in-force block purchases and divestitures. With its experienced partners, RGA can also provide a comprehensive turn-key Long-Term Care Insurance (LTCI) program that provides a fast, flexible, low-risk and minimal cost solution to entering the complex LTCI industry.

Longevity

As aging global populations create a growing demand among retirees for guaranteed lifetime incomes, RGA is applying its considerable expertise in the analysis and projection of future mortality risk to the provision of longevity reinsurance. RGA assists in the development of products such as impaired annuities, and addresses client concerns about the underestimation of mortality improvements and the consequent increased reserve requirements.