When it comes to Living Benefits product lines, details matter. Medical advances, demographic trends, and a host of other variables can disrupt insurer stability and profitability. Whether you are looking for ways to manage volatility, contain costs, or launch a new product to expand your reach, RGA’s multi-disciplinary experts are known for precision, performance, and relentless emphasis on your success.
As medicine advances, the definition of “critical illness” continues to evolve, but the purpose of these products remains the same: to protect an individual’s financial integrity when help is needed most. RGA can help you navigate this complex and ever-changing risk management challenge and cover the right impairments in your market.
The market for individual disability income insurance can be volatile; RGA’s risk transfer solutions can smooth out fluctuations in morbidity and relieve surplus strain. From short- and long-term disability income, to accidental partial, total and permanent disability (TPD), lump-sum, special risk and more, RGA provides answers to questions you didn’t know you had. And every solution is backed by world-class underwriting and claims service, deep product development and pricing expertise, and in-depth local regulatory insight.
Long-term care insurance has growth potential if managed well; still, the market can present significant challenges. Working closely with clients, our multi-disciplinary experts can help clients successfully manage a broad spectrum of risks associated with these products.
We support companies writing new blocks of this business by offering sophisticated, detailed risk analysis and modeling. In addition, our reinsurance team may be able to provide solutions for closed or in-force blocks of long-term care business.
For the fifth consecutive year, RGA was ranked #1 in thought leadership & knowledge by ceding companies on NMG Consulting’s 2021 Global Life & Health Reinsurance Study. We believe we grow stronger as an industry through sharing knowledge, and we work hard to fuse our industry expertise with outside capabilities to help more people live financially secure lives.
Living Benefits product lines are challenging. Partner with a team that never stops innovating and investing in your success. Together, we can help more people live longer, healthier lives.
