Financial Solutions

Asia-Pacific

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It's a simple, but powerful, idea: Reinsurance is one of the most flexible risk and financial management tools. It should be considered alongside traditional capital instruments and corporate actions.

How Can We Help at Your Product Life Cycle Stage?

Insurers' objectives and constraints typically evolve as their businesses mature, as illustrated in our Product Life Cycle. Still, every organization is unique, and many of these financial management techniques can be applied regardless of a given Life Cycle, particularly when deployed in combination. Every transaction at RGA is highly tailored and the product of an information-sharing process designed to help clients achieve their objectives. Please identify your need in our Product Life Cycle grid to explore a range of solutions. 

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Value vs. Time Graph

Grow

Grow (Build Value)

The ‘Grow’ phase reflects the launch and early sales of a new product and how reinsurance can be used to support the costs and unknowns of how well it is received by the market.

 

Benefit:

Finance capital strain by advancing future profits or by reducing redundant reserving or capital requirements associated with new business


Capital Solutions

Asset-Intensive Solutions

Benefit

Support acquisition activity by providing temporary or permanent capital, sharing in risk, or ceding off unwanted pieces of acquired business


Capital Solutions

Longevity Solutions

Asset-Intensive Solutions

Acquisitions

Benefit

Improve rates offered to policyholder through the use of coinsurance.


Asset-Intensive Solutions

 

Optimize

Optimize (Enhance Value)

The ‘Optimize’ phase occurs when insurers seek to enhance the product’s value by, for example, lowering the cost of the capital necessary to support the scaled business.

Benefit

Provide temporary or permanent capital to shore up capital and RBC ratios 


Capital Solutions

Longevity Solutions

Asset-Intensive Solutions

Benefit

Use reinsurance to stabilize statutory or GAAP income


Capital Solutions

Longevity Solutions

Asset-Intensive Solutions

Benefit

Reinsurance as a tool to provide a flexible, low-cost source of capital


Capital Solutions

Asset-Intensive Solutions

Benefit

Improve returns on capital and other ratios for existing business through the use of reinsurance or other capital solutions


Capital Solutions

Longevity Solutions

Asset-Intensive Solutions

Protect

Protect (Maintain Value)

Companies in the ‘Protect’ phase devote more attention to reducing uncertainty surrounding the value of the business.

Benefit

Provide coverage for longevity risk for protection on existing in force business


Longevity Solutions

Benefit

Manage exposure to investment risks or access investment capabilities of RGA through coinsurance or longevity solutions


Longevity Solutions

Asset-Intensive Solutions

Monetize

Monetize (Harvest Value)

The ‘Monetize’ phase occurs when clients exit the business by crystalizing the value they’ve built, generating capital to invest into higher value priorities.

Benefit

Fully exit a line of business by divesting a legal entity

Asset-Intensive Solutions

Acquisitions

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Our Solutions

Our understanding of each client's specific capital and investment needs, as well as extensive knowledge of local markets and global best practices, uniquely positions RGA to find solutions that improve capital efficiency and promote long-term stability and growth.  

 

 

Capital Solutions

Asset-Intensive Solutions

Longevity Solutions

Acquisitions

Something Else?

We are eager to better understand your challenges and find solutions together. Let's have a conversation. 

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Our Strengths

Clients can count on RGA’s collaborative approach, ability to deliver on promises and track record of executing transactions.

In fact, our partners choose RGA based on our strength, long-term dedication to the market, and deep expertise. RGA has supported the growth and financial objectives of annuity, life, and health insurers for more than 30 years.

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Expertise

30+ year track record of implementing resilient solutions and navigating the complexities of our industry

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Execution Certainty

Strong reputation for delivering our promises, our agreements, and our results on time

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Client Experience

Focused on client needs and operating in a transparent and highly collaborative manner

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Explore Opportunity

At RGA, we seek the satisfaction of moving our team, our clients, and our industry forward. Curious? Review our open positions worldwide, and explore our Global Presence section to find an office near you. 

  Join Us 

Global Presence   

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Let's Connect

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Gaston Nossiter
Gaston Nossiter

Senior Vice President
Global Financial Solutions, Asia Pacific

Meet Your Experts

Our success is a direct result of our ability to understand clients’ particular needs and draw upon our collective expertise and knowledge to implement groundbreaking financial solutions.

Contact Us

Meet the Leadership Team

 

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