RGA excels at quantifying human health, behavior, and longevity. Our expert teams provide insights that empower insurers to explore new areas of biometric risk, expand the market strategically, and bring financial protection to more people.
RGA’s biometric expertise continued to play a critical role in improving client outcomes globally by informing solutions across the insurance value chain, from underwriting through claims. By combining emerging data sources, leading research, and advanced analytics, RGA teams translated evolving medical science and biometric trends into practical tools, guidance, and market-ready innovation.
The Global Research & Development team produced an in-depth 2025 study quantifying the potential mortality and morbidity impacts of GLP-1 medications. The study provided industry-wide considerations for incorporating the health impacts of these transformative drugs into forward-looking assumptions. RGA behavioral scientists applied a deep understanding of human behavior to define new approaches for improving consumer engagement, applicant disclosures, and policyholder retention.
Data-driven enhancements to the RGA Global Underwriting Manual (GUM), including new guidance on anti-obesity medications and frailty-related risk, ensured client underwriters had access to current, consistent, and clinically grounded biometric insights. With nearly one million annual logins, GUM remains a cornerstone of global risk alignment and decision quality for RGA clients and partners.
RGA also deepened its leadership in biometric risk assessment and related technology. Working with third‑party providers, RGA piloted AI‑enabled electrocardiogram (EKG) interpretation across Asia and other global markets to inform automated risk‑assessment approaches and reduce unnecessary medical referrals. RGA doctors and data scientists explored alternate biometric measures – including resting heart rate, effort tolerance, and heartrate variability – to help clients better predict mortality, morbidity, and claim impacts.
RGA medical specialists contributed to biometric trend research, GLP-1 impact studies, climate-related health scenario analysis, and genetics strategy initiatives. As trusted partners in helping insurers navigate rapidly evolving biometric risk, RGA doctors led extensive client engagement, thought leadership, and training programs, ensuring that scientific advancement continues to translate into smarter, more resilient insurance solutions.