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Capital Solutions


RGA’s capital solutions allow clients to manage regulatory capital at a low cost. RGA pioneered the use of reinsurance as a flexible and effective capital management tool. We leverage our global regulatory expertise, risk knowledge, and financial strength, along with our creativity, to deliver capital when you need it through surplus relief, solvency capital relief, or structured financing. RGA is distinguished by our structuring capabilities, strong relationships, and execution certainty offered at a competitive price. We earn our clients' trust. 

To learn more, meet our team.

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We can help you manage your capital and risk to:

  • Support sales growth by offsetting acquisition cost strain
  • Improve returns on equity by decreasing capital
  • Reduce capital costs, especially compared to other forms such as equity
  • Improve the level and timing of statutory earnings
  • Improve capital and surplus ratios
  • Improve capital allocations
  • Maximize capital efficiency
  • Unlock capital invested in low-return products and redeploy it to better performing products

To learn more, meet our team.  

For additional outside capital, a well-structured reinsurance program can offer:

  • Flexibility of duration, size and structure
  • “Just-in-time” capital
  • Minimal transaction costs
  • Risk protection beyond capital investment
  • Lower risk-based capital requirements

To learn more, meet our team.  

GFS Asia Pacific 
Gaston Nossiter
SVP, Asia Pacific, GFS

Hamish Galloway

GFS North America 
Gary Seifert
SVP, North America, GFS

Robert Mallette
SVP, Living Benefits and Longevity, RGA Canada

Paul Sauvé