Growing Coverage with Confidence

A Case Study in US Market Expansion

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When a top property and casualty insurer set its sights on the life insurance market, it faced a familiar challenge: how to grow without losing momentum.

The insurer turned to RGA, and working together, we delivered a modern term life product powered by automation and expert underwriting.

 

 

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The Problem

A leading property and casualty (P&C) insurer set out to expand into the life insurance market, aiming to offer more comprehensive life coverage for its middle-market customers. Equipped with a loyal client base, the carrier needed experienced support and the additional infrastructure necessary to develop life insurance products. To meet those needs, they partnered with RGA’s life insurance experts to help navigate challenges and deliver scalable solutions.

The Solution

Together, our automation and underwriting teams designed, priced, and filed a term life product that successfully launched the P&C insurer into the life insurance market. RGA’s life insurance experts developed the underwriting and claims workflows, and RGA’s technical experts developed an industry leading process. Aura Next, RGA’s advanced e-underwriting solution, delivered a seamless, automated experience for the customers. 

Key Benefits

Seamless automated customer experience

Nearly tripled policy count (placed cases) by year-end

Positioned a P&C insurer as a rising leader in the life insurance industry

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The RGA Difference

RGA’s expertise in product development, underwriting, mortality risk assessment, and technology integration was a perfect match that blended innovation with the P&C carrier’s customer-first mindset. 

Developing new products and helping clients enter new markets is what we do every day. In the last two years, our team has delivered 25 successful solutions like this one, each built to scale and tailored to our clients’ goals. We don’t just help our partners enter new markets; we help them lead.

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Want to Learn More?

This is just one example of how RGA helps insurers grow with confidence. Want to see more success stories? Explore our other case studies or reach out to begin your insurance transformation journey.