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Group Living Benefits


Changing economic conditions, new disabilities and medical advances, evolving industry trends, and a host of other variables can affect insurer stability and profitability.

Reinsuring a block of living benefits business is a practical and cost-effective way for carriers to limit risk and pursue existing or emerging opportunities. 

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RGA offers the following group living benefit coverage, which vary by market:

Disability (Short-Term and Long-Term)

  • Traditional
  • Voluntary Disability and/or Worksite
  • Association Disability
  • Special Risk Disability

Critical Illness

Accident Medical 

Long-Term Care

Total and Permanent Disability (TPD)

RGA offers a range of value-added services: 


    • Continuing education session
    • Quarterly earnings summary
    • Benchmarking of rates
    • Disability claim termination rate studies
    • Monte Carlo retention analysis
    • Peer review
    • Pricing assumption and algorithm review
    • Product development and pricing for unique risks
    • Predictive modeling
    • Reserve adequacy analysis and assumption review


    • Operational assessment
    • Plan design improvements for group benefits
    • Industry claim trends
    • Training modules in disability claim management
    • Strategic partners
    • Claim data analysis and focused assessment
    • Disability claim settlement strategies

    Market Intelligence:

    • Publications
    • Webcasts
    • Conferences/seminars 

    Research and Surveys

    • Industry surveys
    • Ad hoc research services
    • Industry news curation


    • General advice and consult
    • Case specific (facultative) consultation and risk review
    • Workshops and training
    • Operation and file reviews
    • Policy, plan design, and guidelines 
    • Medical underwriting

    For a full listing, download our Summary of ServicesPlease contact us with any questions.