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TURN PARTNERSHIP INTO POSSIBILITY

 It is time to redefine biometrics

What is “biometrics” in life and health insurance? RGA has redefined the term for the industry, quantifying human health, behavior, and longevity with a precision that sets the standard. Our expert teams give insurers the intelligence to price risk, build new business, optimize in-force performance, and achieve long-term growth. Where science meets the balance sheet, RGA is already there.

Annual report icon $4.3 trillion RGA life reinsurance in force as of December 31, 2025 After more than 50 years in business, RGA has amassed one of the largest databases of mortality experience in the world.
Solvency icon $23.7 billion RGA total revenue in 2025 As the only global reinsurer focused exclusively on life and health business, RGA generates more life and health revenue annually than any other reinsurer.
Barchart lightbulb icon $2.5 billion RGA capital deployed into in-force transactions in 2025 An unmatched combination of biometric and investment expertise enables RGA to create innovative, pioneering financial solutions for clients worldwide.
Turn insight into action

Rethink biometric risk

At RGA, we excel at bringing evidence-based ideas to market. Our research creates real-world products and solutions that enable insurers to provide financial protection to more people.

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Expert roundtable 

GLP-1s in focus

In this roundtable, RGA experts break down GLP-1 therapies’ potential impact on long-term mortality trends and the insurance implications, including:

  • Capital, pricing, and portfolio risk – varying by market, age, and access
  • Relative influence of clinical efficacy, affordability, and behavior
  • Mortality assumptions and variance between insured lives and the general population

Connect with RGA experts

Turn analysis into advantage

The biometric research shaping the industry

Turn our experience into your competitive edge

Data-driven insights, market-driven solutions

 

 

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Turn research into results

Biometrics applied: RGA case studies

We measure our success through our clients’ success. Our teams collaborate across disciplines, business lines, and geographies to put biometric intelligence into practice. 

 

 

Expanding with intelligence

When a top property and casualty insurer set its sights on the life insurance market, it turned to RGA. Working together, we delivered a modern term life product powered by automation and expert underwriting.

Explore the case study

A landmark deal in the longest-living market

When a leading Japanese life annuity provider needed to reduce longevity risk and optimize capital amid new regulation, it partnered with RGA to execute a first-of-its-kind 700 billion JPY coinsurance transaction.

 

 

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Addressing critical illness in seniors

When a leading insurer wanted to offer meaningful protection for the elderly, it joined forces with RGA to launch a critical illness product with coverage to age 100.

 

 

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 Turn medical expertise into market application

Biometric analysis, peer-reviewed and field-tested

ReFlections, the industry’s premier medical newsletter, dives into the most urgent and complex mortality and morbidity challenges and their implications for insurers. In this issue:

  • Polypharmacy among seniors
  • Early-onset colorectal cancer
  • Obstructive sleep apnea
  • AI-enabled medical breakthroughs
  • New research, underwriting guidelines, and training resources
Explore
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An image of a researcher peering into a microscope

Through the Longer Life Foundation (LLF), a collaboration between RGA and WashU Medicine, we support early-stage research into human health and longevity. LLF’s flagship editorial series, Voices of Discovery, offers a firsthand look at the research and researchers shaping how we think about biometric risk long before insights appear in population data. Select topics include: 

  • Muscle atrophy and mitophagy in aging
  • Neuronal DNA repair and cognitive longevity
  • Immunity decline as a metabolic problem

Watch

  
Turn tools into talent development

Biometric expertise, at your fingertips  

RGA's suite of client tools translates deep actuarial and medical expertise into practical, accessible resources, empowering insurers to make faster, more confident decisions that deliver better outcomes.

Global Underwriting Manual

Insurers need confidence that the underwriting manual they use is the right one. With RGA’s Global Underwriting Manual (GUM), insurers have the power of a recognized global leader.

Elevate underwriting

Global Claims Manual

Individualize claims learning experiences by role and need through RGA's Global Claims Manual and PATHFINDER, our professional claims training program.

Discover best practices

Learning Gateway

Whether you are new to the industry or a seasoned professional, RGA’s Learning Gateway is your home for on-demand e-learning excellence.  


Grow with us
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Biometrics decoded.
Strategy defined.

TALK TO RGA
Turn Partnership into Opportunity

Dive deeper: Biometric focus areas 

Medical Advancement

How can insurance keep pace with medical progress?

RGA's medical doctors and technical experts track emerging science at the point where it shifts mortality and morbidity, turning that intelligence into products, pricing, and underwriting guidance you can act on now.

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Underwriting Optimization

How do you underwrite accurately when the data keeps changing?

New data sources, shifting consumer expectations, and emerging technologies create opportunity and exposure simultaneously. RGA's biometric expertise gives insurers the precision to move faster, price smarter, and underwrite with confidence.

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Longevity & Financial Solutions

How do you optimize a book of business for the long term?

RGA brings biometric depth to longevity risk, helping insurers understand what extended lifespans mean for their portfolios and build solutions that hold up as the demographics keep shifting.

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Behavioral Science

How do you design products for how people actually behave?

RGA's behavioral science specialists embed real human decision-making across the insurance value chain, making your products more efficient, more effective, and more likely to reach the people who need them.

Explore resources

Behavioral Science - maze with red ball

Risk is personal. So is our expertise.


Meet some of the professionals who turn biometric complexity into business value for clients around the world every day. How can we help you?