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Middle East
RGA Reinsurance Company Middle East Limited


Ashraf Al Azzouni
Ashraf Al Azzouni
Managing Director
RGA Middle East

Ashraf has over 21 years of Life and Health Insurance experience combining management, technical and financial aspects of the business.

He is currently heading RGA operations in the region as Managing Director - Middle East and since joining RGA has been leading the efforts of establishing RGA Middle East operations and spearheading the expansion plans in the region that includes North African Countries and Turkey. Prior to that, Ashraf had more than 10 years of association with American Life Insurance Company (Now Metlife ALICO) during which he worked in different areas of their Middle East, Africa and South Asia operations. Prior to that Ashraf had worked for several other companies in the region; Arig Life and Health in Bahrain, Al Khazna Insurance Company in Abu Dhabi – UAE and Al Nisr Al Arabi Insurance company in Jordan.

He earned a general Jordanian secondary certificate from De La Salle College in Jordan and a bachelor’s degree in economics and managerial science from M’utah University, also located in Jordan. In addition, Ashraf earned an Intermediate and Advanced Diploma of Insurance Studies from Bahrain Institute of Banking and Finance, and a Certificate of Insurance Practice from Chartered Insurance Institute in the United Kingdom.

Karunanidhi Muthuswamy
Chief Actuary
RGA Middle East

Karunanidhi Muthuswamy joined RGA Middle East team on June 26, 2016 as Chief Actuary.

Karuna joined from RGA’s India Business Unit (India, Sri Lanka & Bangladesh) where he served as Chief Pricing Actuary for over 4 years and, more recently, as Deputy Managing Director and Head of Business Development. He has over 20 years of experience with a strong background in life and health insurance and reinsurance. He has held management and consulting positions at large and global financial services firms such as LIC of India, SwissRe and Mercer. He also had a stint in Middle East with a direct life insurance company in the Sultanate of Oman.

Karuna was the president of the Institute of Actuaries of India (2012 -2014) and is currently a sitting member of the Council of the Institute. He also serves on the Professionalism and Disciplinary Committees of the Institute. He is a fellow of the Institute of Actuaries of India and an associate of the Institute and Faculty of Actuaries (UK). He graduated from the Bharathidasan University in Mathematics and completed Postgraduate courses in Actuarial Science and Computer Science & applications.

Dennis Sebastian
Dr. Dennis Sebastian
Regional Director, Health
RGA Middle East

Dr. Dennis Sebastian, a graduate in Medicine from Manipal, India, leads the Health Initiative for RGA Middle East.

He has over 19 years of regional experience in health reinsurance, insurance, and Third Party Administration (TPA).

He is also an alumni of the prestigious Indian Institute of Management (IIM-A). He is Certified in Social Health Insurance from the International Labor Organization (ILO-Turin), and has a post-graduate qualification in healthcare management from the Royal College of Surgeons of Ireland.

Over the last 19 years, Dr. Sebastian founded the Middle East Insurance Medicine Forum, and has been a prolific speaker and writer and led forums on claims management, health reinsurance, and social health insurance.


  • Suresh Vellat
    Director, Operations
    RGA Middle East

  • Amr Afifi
    Director, Business Development
    RGA Middle East
  • Tamer Saher
    Director, Business Development

    RGA Middle East


  • Devesh Anand
    Underwriting Services
    RGA Middle East