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Ready to create a secure future for your defined benefit plan members?

Discover how RGA is your trusted partner in managing pension risks

Speak With a PRT Expert

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Partner with RGA for Peace of Mind

$4.3B

in US pension
liabilities insured

120K

former plan
participants protected

$99B

in global longevity
risk transfers

2.7M

annuitants supported
globally

 *as of 12/31/2024

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What is Pension Risk Transfer (PRT)?

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.

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What are the benefits?

  • Reduce Expenses:  Lower recurring expenses, including reduction or elimination of PBGC premiums, benefit administration costs, and plan fees
  • Stabilize Balance Sheets: Remove pension-related investment risk from financial statements 
  • Ensure Benefit Protection: Deliver long-term benefit protection and financial security for plan participants
  • Benefit Administration Expertise: Provide participants with excellent ongoing service and administration
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What are RGA's ratings?

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S&P GLOBAL RATING* 

AA- 

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A.M. BEST COMPANY RATING*

A+

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MOODY'S INVESTOR SERVICE* 

A1

*RGA Reinsurance Company Ratings
As of 12/31/2024 
RGA’s Financial Strength Ratings 
Ratings subject to change

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What do you need to know about pension risk transfer (PRT) solutions?

Pension Risk Transfer Buy-outs

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.

  • Reduce or fully eliminate pension liabilities
  • Mitigate financial risks associated with managing your pension plan, including investment and longevity risks
  • Deliver uninterrupted benefits and retirement security to participants

Pension Risk Transfer Buy-ins

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.

  • Maintain ongoing pension plan activities while offloading some or all risk
  • Retain the plan as an asset on your balance sheet 
  • Lower the financial uncertainties related to pension management
  • Provide a stable and secure income stream for your participants
  • Fully transfer benefit administration to RGA in the future 
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What do you need to know about RGA?

Financial Strength

RGA's robust financial backing ensures stability and security for plan sponsors and their beneficiaries.

Transparency

RGA is known for ensuring plan sponsors are well-educated and confident in the PRT process.

Expertise

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.

Flexibility

We have a reputation for excellence in managing and administering annuity benefits. RGA makes the de-risking process efficient and adaptable.

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Questions?
Find Answers.

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In the News

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Mellissa Lim
Mellissa Lim

Vice President
Head of US Pension Risk Transfer
Institutional Markets

QUENTIN MARSH
Quentin Marsh

Senior Vice President
Americas Financial Solutions

Kris Kerwin
Kris Kerwin

Vice President
Business Development

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This material is intended for informational purposes only. Before entering into a transaction, a plan sponsor should consider the suitability of the transaction or strategy to your particular circumstances and independently review the financial risks as well as the legal, regulatory, investment, credit, tax, and accounting consequences.