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From Complexity to Confidence: Applying behavioral science to annuity decisions
By
  • Shilei Chen
  • Lizzy Lubczanski
  • Rosmery Cruz
  • Peter Hovard
Research and White Papers June 2026

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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Research and White Papers August 2026
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A first-of-its-kind RGA collaboration with AWS at an AHOU 2026 session revealed a clear message: The future of underwriting is already taking shape, with strong alignment around data, AI, and speed as the defining trend. What remains unclear is how organizations will...

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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. 

Explore the Product Trends Series

Global Claims Views

Delve into claims management issues with experts. 

Explore Global Claims Views