We are about to enter our third year of the pandemic. 
So many of us had hoped that by now, the worst of 
COVID-19 would be behind us, but the virus is 
continuing to mutate and remains a daily factor in 
our lives. 
Fortunately, our industry has demonstrated 
remarkable resilience in the face of this disease, and 
we are sure it will continue to do so. 
This issue’s three articles explore an intriguing selection 
of topics. Frequent ReFlections contributor Dr. Sheetal 
Salgaonkar, MBBS, MD, DBIM, Vice President and 
Global Medical Director, RGA India, returns to our pages 
with a detailed case study on serum protein tests and how 
they should be considered in risk assessment. 
Climate change’s impact on the world and on insurance 
continues to grow, and Dr. Georgiana Willwerth-Pascutiu, DBIM, Vice President and Medical Director, 
RGA Toronto, also a frequent contributor, explores 
climate change’s current challenges and opportunities for 
our industry. 
The third article, an eye-opening examination of sleep 
and medicine, is the first ReFlections article by co-editor 
Dr. Adela Osman, Chief Medical Research Officer, RGA 
South Africa. 
The Longer Life Foundation, RGA’s research 
collaboration with Washington University School of 
Medicine in St. Louis, continues to yield substantial 
results. You can read about the latest research from two 
of its investigators on page 20. 
We hope you find this issue interesting and informative.  
In this Issue