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Smoke Signals: How insurers can uncover hidden tobacco use in the digital age
By
  • Guizhou Hu
  • Taylor Pickett
  • Jacqueline Waas
  • Rosmery Cruz
Research and White Papers April 2025

As accelerated underwriting becomes more mainstream, insurers face challenges detecting undisclosed tobacco use. Three RGA studies explore the effectiveness of various digital underwriting evidences and behavioral science techniques in identifying non-disclosed tobac...

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Latest

https://www.rgare.com/knowledge-center/article/video--benefits-for-a-changing-workforce
Videos August 2025
Video: Benefits for a Changing Workforce

In this brief video, RGA's Dominique Bédard-Sicé discusses how the evolving workforce necessitates reimagining group benefits. He shares various challenges today's work culture must navigate 

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Red puzzle piece on white puzzle built vertically
Articles August 2025
VM-22 is Here: Where does reinsurance fit in?
How will VM-22 guidelines impact the need for reinsurance, which plays such a central role in addressing current CARVM reserving burdens? The answer will be different for each insurer, increasing the need for tailored reinsurance solutions – and a reinsurance partner ca... Read More
Crowded city street full of people with coats on
Research and White Papers August 2025
Updated: US Population All-Cause Mortality Report

RGA has created an online digital platform featuring an in-depth analysis of US population mortality in the wake of COVID-19. As a central component of th...

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Explore Our Publications

RGA produces a number of specialized publications featuring expert opinion and analysis. Explore our public collection or contact us for whitepapers, webinars, and other resources. 

ReFlections

Explore the industry's premier medical underwriting publication. 

Explore the ReFlections Series

Product Trends

Investigate product development trends and developments from around the world. 

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Global Claims Views

Delve into claims management issues with experts. 

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