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Discover how RGA is your trusted partner in managing pension risks
in U.S. pension
liabilities insured
former plan
participants protected
in global longevity
risk transfers
annuitants supported
globally
*as of 12/31/2025
Pension risk transfer, also known as pension de-risking, is a strategic solution to transfer the responsibility to make future benefit payments to an insurer through the purchase of a group annuity contract. This allows the pension plan sponsor to protect and secure the retirement benefits of participants while mitigating financial risks.
Transfer your pension liabilities partially or entirely to an insurer, ensuring long-term security for your retirees. RGA's pension buy-out solutions enable you to seamlessly transfer pension obligations to an insurer while safeguarding the benefits of your participants.
Retain your pension plan while transferring the risk to an insurer. Our pension buy-in solutions offer a secure income stream for your participants without relinquishing control of your plan.
RGA's robust financial backing ensures stability and security for plan sponsors and their beneficiaries.
RGA is known for ensuring plan sponsors are well-educated and confident in the PRT process.
Gain access to proprietary data and insights to inform strategies, complemented by robust underwriting capabilities. RGA brings over fifty years of experience in innovative and strategic pension risk transfer solutions. RGA is known for ensuring plan sponsors are well-educated and confident in the PRT process, whether it's an annuity buyout or a structured settlement buyout.
We have a reputation for excellence in managing and administering annuity benefits. RGA makes the de-risking process efficient and adaptable.
Vice President
Head of Pension Risk Transfer
Americas Institutional Markets
Group annuities are issued by RGA Reinsurance Company (“RGA Re”), RGA Life and Annuity Insurance Company (“RGA Life”), and Aurora National Life Assurance Company (“Aurora”), Home office: 16600 Swingley Ridge Road Chesterfield, MO 63017. RGA Re, RGA Life, and Aurora are each solely responsible for their respective financial conditions and contractual obligations. Aurora National Life Assurance Company is authorized to issue group annuity contracts in New York. RGA Re is not licensed in Maine, New York, or any U.S. Territory. RGA Life is not licensed in New York, Guam, Puerto Rico, Marianas Islands, or America Samoa. Aurora is not licensed in any U.S. Territory.
RGA Life California License #6474-1, RGA Re California License # 3257-3 and Aurora California License #1678-2.
Guarantees are dependent on the claims-paying ability of RGA Re, RGA Life, or Aurora and are subject to certain limitations, terms, and conditions. Claims-paying ratings represent the opinions of rating agencies regarding the financial ability of an insurance company to meet its obligations under insurance products.
Neither Reinsurance Group of America, Incorporated, RGA Life, RGA Re and Aurora, nor any other respective affiliates, advisors, or any person acting on behalf of either shall (without prejudice to any liability for fraudulent misrepresentation) have any liability whatsoever for loss, however arising, directly or indirectly from use of information communicated in relation to this document and they make no representation or warranty, express or implied, that the information in this document or other information, notice, or other document which may at any time be supplied in connection with the transaction is accurate, complete, or up to date. The information in this document is for the recipient's use only and is confidential and proprietary to RGA Re, RGA Life, and Aurora and no part of this document or its subject matter may be reproduced, disseminated, or disclosed without prior written approval from RGA Re, RGA Life or Aurora.
©2026 RGA Life and Annuity Insurance Company, RGA Reinsurance Company, Aurora National Life Assurance Company and their related entities. RGA Life, RGA Re and Aurora and the RGA logo are service marks of Reinsurance Group of America, Incorporated and its related entities are registered trademarks in jurisdictions worldwide.
