Wellness Partnership Series

From Ideas to Action: RGA and insurers partner to create uniquely tailored health and wellness products and services

Through our work with insurers and the health and wellness ecosystem, RGA has heard the real-life challenges and conflicts, as well as the aspiration to find ways to engage customers through targeted health and wellness programs and, overall, help policyholders lead healthier lives. Through these initiatives, we have leaned into our network of partners and tapped our internal teams’ existing data, research, and expertise to uncover new trends and create innovative products and services within the health and wellness category. We invite you to explore what our teams have been up to, and we welcome the opportunity to discuss how we might take action together to continue to improve customer journeys and access to resources to improve health and wellbeing.

First-of-Its-Kind Type 2 Diabetes Insurance Product

Jesus Spinola, Chief Executive Officer, RGA Latin America

Heidi: A Collaboration with Road to Health Group

Emma Wilkins, Research & Proposition Manager, EMEA; Andrew Reynolds, CEO Road to Health

Yu Life – Creating the World’s Most Engaging Wellness Program

Charlie Mathews, RGAX; Josh Hart, CTO Yu Life

RGA Digital Wellness Assessment Toolkit

Matt Battersby, Vice President and Chief Behavioural Scientist; Peter Hovard, Lead Behavioural Scientist, GDA; Rosmery Cruz, Senior Data Scientist, GDA

Learn More

Innovative Research

The Case for Wellness

Achieving the Buzzword Badge

Quantifying Lifestyle Behaviors

One Size Doesn’t Fit All

RGA Knowledge Center




Jesús Spínola Grandio

Chief Executive Officer, RGA Latin America

Jesús Spínola Grandio is Chief Marketing Officer, Latin America. He leads the development and implementation of the Mexico office’s marketing and sales strategies.

Jesús, who joined RGA Mexico in 2014, has nearly two decades of experience in life and health insurance. He has held strategic senior-level positions with Seguros BBVA Bancomer, the health insurance (HMO) subsidiary of Grupo Financiero BBVA Bancomer, with Seguros Monterrey New York Life, and with the third-party administrator Vitamedica.

His undergraduate degree is in Industrial Engineering from Universidad Anahuac, in Mexico City, and his MBA is from University of Warwick, Coventry, U.K. He also holds a Marketing Diploma from the Instituto Tecnológico de Estudios Superiores de Monterrey.


Andrew Reynolds

CEO Road to Health

Andy has worked in the digital health and wellbeing sector since 2005. He was the founder of Revitalised, the company behind a market-leading employee wellbeing platform, taking the business from start-up through to an acquisition in 2017 by MAXIMUS Inc. Since joining Road to Health in 2018, he has overseen a complete re-build of the core wellness offering into a highly cost-effective and scalable PaaS business that provides customisable digital health solutions for a wide range of markets and consumers.


Emma Wilkins

Research and Proposition Manager, Global Health Team

Emma Wilkins is Research and Proposition Manager, Global Health, and is based in the RGA London office. Prior to her current role, Emma was RGA Head of Health – Southeast Asia Markets, and worked across that region to build and develop RGA’s health reinsurance business through the delivery of high-quality and sustainable products, solutions and services to RGA’s partners. Emma joined RGA in April 2017. 

Emma has more than 25 years of life, health, and medical claims management and product design experience gained from working in the U.K., South Africa and, more recently, in the Asia Pacific region where she was based for eight years before returning to London in 2019. She has held several senior reinsurance roles in her career, and served as Group Strategic Claims lead for two years at direct insurer AIA, where her time was equally split between Hong Kong and Thailand. 

Emma is passionate about using her expertise in managed care and health intervention strategies to develop medical products and services that improve the value proposition of insurance, reduce the protection gap through increased accessibility, and improve the overall customer experience.


Josh Hart

Cofounder and CPTO, YuLife

Serial entrepreneur, Josh Hart, has set up numerous businesses across edtech, mobile, and now the insurtech world. Having created digital experiences used by millions, Josh’s mission is to make all digital interaction fun. As cofounder and CPTO of YuLife, Josh has been reimagining the world of insurance, building a company which focuses on helping people to be their best selves mentally, physically, and financially.


Charlie Mathews

Market Development and Commercial Director

Charlie Mathews is currently the Market Development and Commercial Director for RGAX UK, the transformation engine of Reinsurance Group of America, Incorporated (RGA). After spending a decade in the Asia-Pacific region, based in Shanghai, Charlie is now in London. His interest in advancing systems, sustainable development, and applying new solutions leads him to identify innovative ideas and form lasting partnerships to bring those ideas to life.

With years of experience advising on innovation strategies for multinational corporations, Charlie offers a distinct perspective that spans across sectors and countries. He was previously the Director of Corporate Advisory at Collective Responsibility, an innovation and sustainability strategy firm in China, building the business throughout Asia.


Matt Battersby

Vice President and Chief Behavioural Scientist, Global Data Analytics

Matt Battersby is Vice President and Chief Behavioural Scientist at RGA. Based in RGA’s London office, Matt is responsible for the effective development and deployment of behavioural science-informed models to RGA and to its clients for use in underwriting, claims, risk management, and customer engagement. 

Prior to joining RGA, Matt was with the communications firm Hill+Knowlton Strategies for more than a decade. Most recently he was Managing Director and head of the behavioural science team, working with a wide range of organizations to implement behaviour change strategies to help meet diverse business goals such as increasing sales, improving customer engagement, and encouraging healthier lifestyles. 

Matt received his Master of Science in Behavioural Science from the London School of Economics and a Bachelor of Science in Economics and Philosophy from the University of Bristol.


Rosmery Cruz

Executive Director, Behavioral Data Science

As Senior Data Scientist for RGA, Rosmery Cruz leads the scoping, building, and implementation of predictive models for internal and external clients. Rosmery also heads RGA’s predictive analytics community of practice, uniting those involved in predictive analytics throughout the organization to establish best practices, centralize collaboration, and share expertise. 

Prior to joining RGA in 2017, Rosmery was Client Analyst with ForeSee, conducting research for the company’s Fortune 500 clients to enable evidence-based solutions to critical business objectives. Before that, Rosmery was Senior Analyst, Marketing Sciences for MaritzCX, performing statistical research on customer satisfaction as well as client acquisition and retention on behalf of Fortune 500 companies. Rosmery received a Bachelor of Science in political science and government, and a Master of Science in political science from Florida State University.


Peter Hovard ph.d.

Lead Behavioural Scientist Global Data and Analytics

As the Lead Behavioural Scientist for RGA Global Data Analytics, Peter Hovard and his team develop research and practical methods for observing the actual ways people absorb, process, and react to information. The focus is on understanding how people actually think and behave, rather than how it is assumed they do, and using this knowledge to help RGA’s clients design products, communications, and processes across the insurance journey. This may include applications that encourage honesty, motivate lifestyle behaviour change, and improve returnto- work outcomes. 

Prior to joining RGA in 2020, Peter was the behavioural science lead for Royal Sun Alliance (RSA) in the U.K. where he established the use of behavioural research and intervention design to improve outcomes for insurance customers. 

Peter received both a Bachelor of Science, with honours, in psychology with American studies, and a Ph.D. in the psychology of appetite and eating behaviour from the University of Sussex. Peter’s research is featured in articles in academic journals such as Flavour, Nutrition Bulletin, and Frontiers in Psychology.