There are few industries in the world where behavioral science can have more positive impact than the life and health insurance industry. But how do you get started? RGA's Matt Battersby shares two approaches in the second half of his wide-ranging overview of behavioral... Read More

Now is the time for life and health insurers to apply behavioral science to help solve problems, such as underinsurance, inaccurate disclosures, and unhealthy lifestyles. RGA behavioral scientist Matt Battersby explores why people make the decisions they do -- and wh...

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“Where will we see the most innovation in the life insurance industry in the next three years?”  RGA's Jared Godwin asked this question at the annual conference of the Actuarial Society of South Africa. The answers are illuminating. 

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In the US, effective April 1, 2018, the US Department of Labor (DOL) passed updated regulations for employer-sponsored benefit plans subject to ERISA (the Employee Read More

The consideration of taxes in the context of Loss Absorbing Capacity of Deferred taxes (LAC DT) can reduce the SII capital requirements substantially. Under certain circumstances effective use of reinsurance offers some advantages, and this article explains how this can... Read More

RGA's Tamer Saher offers a cogent analysis of the current USD$20 billion takaful market, including its evolution and current state. Read More

Technological advances in biosensors and increasing amounts of heart rate data from wearable devices and electronic health records are leading to the development of more sophisticated underwriting algorithms. This data, when coupled with robust epidemiological evidence ... Read More

Asthma affects individuals differently. Consequently, one treatment does not fit all. This article looks at traditional methods of managing this disease, as well as describing some of the newer medications being used, and possible alternative treatments that are current... Read More

RGA offers a thoughtful look at the future of the rapidly changing markets of Central and Eastern Europe. Based in Warsaw, RGA CEE...

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As insurers develop accelerated underwriting programs and take steps toward more efficient processes, lower costs, and a streamlined customer experience, innovations across the insurance industry are helping to improve 

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India’s life and health markets continue to be vibrant with potential as well as challenges. Mr K.S. Gopalakrishnan of RGA India, looks at the current and future while evaluating the growing role of digital. RGA is the 2017 and 2018 winner for Life... Read More

Concepts such as happiness and pleasure and how they are seen through the lens of behavioural economics are emerging as increasingly important for life insurers looking for ways to innovate their products and services. RGA Global Reinsurance – Escritório de Representaçã... Read More

As the number of diabetics continues to grow worldwide, how can life and health insurers cover more of this population? RGA's Dan Lyons and Neill Muller offer a cogent analysis. As a global reinsurer, RGA has a thorough understanding of diabetes-related products current... Read More

For insurers and HMOs looking to enter the self-insurance market, the road ahead may appear daunting, but a new solution from RGA can help pave the way.

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With so many variables and so many opportunities, many different digital paths await a new generation of trailblazers. Health insurers need to start taking the first steps toward digitization now. Read More

When it comes to innovation, are insurers ignoring the obvious – and failing to meet clients true needs?  Read More

The word “influenza” comes from the Italian for influence of the stars and dates to the early Middle Ages, at a time when most of us still looked to the skies for solutions. RGA provides a compelling call to action in Read More

Automatic or "e" underwriting tools and rules emerged, helping to improve straight-through processing. But, by and large, the process of risk selection and underwriting has remained unchanged. Same paradigm. No shift. Read More

Actuarial science and the assessment of mortality risk has evolved slowly over the past few centuries. This is all set to change. Exponential growth of data coupled with massive increases in computer processing power are accelerating the ability of insurers to understan... Read More

From faked deaths to real murder, cash-strapped policyholders, con artists and unscrupulous agents can go to extraordinary lengths in pursuit of a fraudulent life insurance payout. Hear from RGA's Kathryn Cox, SVP, Business Development, U.S. Mortality Markets, on what a... Read More