Mortality Expertise

Reducing the cost of death claims by transferring mortality risk to RGA can help insurers to meet their financial objectives. RGA insures one of the largest in-force blocks in the life insurance industry—more than $2 trillion—and it has one of the largest databases of mortality risk in the industry.

RGA has assembled an unparalleled database of mortality information that makes it a specialist in competitive pricing and sound underwriting. RGA's business volume provides it with a solid basis for understanding the effects of selection, underwriting criteria, and the effects of mortality improvement over time. Mortality is influenced by a complex interaction of factors that produce different rates of change in different classes of insured lives. RGA can carry out specific mortality assumption investigations for client insurers, as well as help them to interpret trends in pricing statistics.

Transferring mortality risk to RGA permits insurers to price their products competitively and free up capital. This reduces the risk-to-earnings volatility as well as the amount of surplus required, and allows the use of these funds for other purposes.