Integrated Risk Partner

Individual Life

RGA’s comprehensive portfolio of mortality reinsurance products includes individual and group-issued term life, whole life, universal life, and joint and last survivor life, among other coverages developed to meet market needs.

Solidifying its position as a preeminent global authority in mortality risk management, RGA remained a facultative underwriting, actuarial, and product development partner of choice in 2024, closing out the year with $3.9 trillion of life reinsurance in force.

Life reinsurance in force as of December 31, 2023

$3.9T

RGA’s underwriting teams reviewed approximately 225,000 facultative cases worldwide. The RGA Global Underwriting Manual (GUM) was accessed by more than 650 companies, generating more than 3.2 million topic views. GUM’s Precision Calculator, which considers interactions among various medical risk factors and improves underwriting outcome competitiveness, returned more than 800,000 results.

RGA’s claims teams reviewed and adjudicated challenging claims worldwide, providing quality and timely decisions consistent with RGA’s global claims philosophy. Users of the RGA Global Claims Manual/Guide viewed more than 25,000 pages of content, resources, and training. RGA strengthened its focus on advancing mental health services through a dedicated campaign featuring underwriting guidelines, research papers, claims tools, and webinars attended by hundreds of participants worldwide.

Aura Next, RGA’s automated underwriting decision management platform, enabled digital transformation and modernization of new business and underwriting processes for clients. In 2024, Aura Next expanded its footprint in Latin America, Germany, and South Africa. With over 40 installations in more than 20 countries, Aura Next continues to evolve its capabilities, adding behavioral science features, additional evidence integrations, and optical character recognition and natural language processing applications.

TAI (Tindall Associates Inc.), an RGA subsidiary and reinsurance administration software and services provider, modernized its technology stack and prepared for a launch into a new cloud delivery model. TAI is committed to integrating cutting-edge technology with reinsurance expertise and is poised to become the reinsurance administration standard around the globe.

Explore RGA Insights

Improving Customer Comprehension in Life Insurance Through Behavioral Science
Managing Pandemic Risk After COVID-19: Lessons from the past, preparing for the future
Multi-Cancer Early Detection Tests and Modeling the Potential Impact on Insurance
RGA Study: The connection between mental health disorders and all-cause mortality
Clearing the Air: The conundrum of climate change and the impacts on health
The Protein Science Revolution: Implications for human health and mortality assumptions
A Post-Pandemic View of Alcohol Consumption
Unlocking the Power of Structured Underwriting Data

Learn more about RGA’s Individual Life solutions

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