Disability and life claims fraud rarely looks dramatic, but the impact on insurers’ loss ratios, pricing, and customer trust is enormous. Many organizations still under-detect fraud because of structural silos, misaligned incentives, cultural hesitancy, and underused...
Retirees face complex decumulation decisions but have limited understanding of lifetime annuities. RGA research shows behavioral biases and low comprehension suppress uptake. Simplified, better-framed communications can improve understanding and increase willingness ...
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Recent data suggests a growing number of U.S. consumers are discovering annuities as part of their retirement financial planning. Underwritten annuities, also known as enhanced annuities, represent nearly half of individual annuity sales in the UK and could help expa...
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Post-pandemic mortality trends and accelerating medical innovation are reshaping longevity expectations in ways that directly impact pension plan sponsors. In this environment, pension risk transfer (PRT) offers an opportunity to replace open-ended longevity risk wit...
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