Risk management is often viewed in the context of avoiding losses, but RGA understands risk management’s power to also enhance value. This requires evolving with the industry, working constantly to anticipate change, and advancing in a prudent yet growth-oriented way.
In 2025, RGA’s approach to risk management was grounded in discipline, strong culture, and diligent execution across the business. As the company continued to pursue growth opportunities, risk management remained a core enabler, helping ensure that innovation and expansion were matched with thoughtful oversight. Risk leaders worked closely with RGA’s global research and development team, supporting emerging areas such as anti-obesity therapies and multi-cancer detection testing with rigorous risk assessment and governance.
RGA embedded risk awareness into everyday decision-making across the organization. This commitment was reinforced through a strong risk culture across the enterprise: In the latest employee engagement survey, RGA employees ranked the organization highly in the areas of risk mindset, transparency, and accountability.
Senior leaders consistently reinforced risk-based decision-making, ensuring that growth was pursued responsibly and in alignment with long-term objectives. This disciplined approach was especially important as RGA managed complex transactions and ongoing in-force portfolios. Throughout the year, RGA’s risk professionals partnered closely with business teams to monitor exposures, manage the book of business, and maintain resilience in a dynamic economic and regulatory environment. Together, these efforts underscored RGA’s belief that sustainable growth is built on disciplined risk management and a culture that puts prudent decision-making first.