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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 July 2026
Reimagining Model Validation: Innovative approaches in the age of GenAI
RGA developed and applied a pragmatic, outcome-focused validation approach to assess the DigitalOwl underwriting tool, an RGA-implemented solution leveraging a third-party vendor GenAI model to streamline the underwriting process. The findings: Insurance carriers can ri... Read More
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Publications July 2026
Product Trends Around the World: Q2 2026

RGA monitors global life and health insurance product launches every quarter across product types, distribution approaches, and value-added services. Find a roadmap for navigating today’s product landscape in Product Trends Around the World.

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Middle-aged woman outside enjoying nature
Articles July 2026
When Money Runs Out: The forces hampering lifetime-income adoption in the U.S.

The challenge is no longer just saving for retirement but converting those savings into a reliable paycheck that lasts for life. Yet despite growing awareness of the risk of depleting assets too soon, adoption of guaranteed lifetime income solutions remains low. The ...

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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