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Risk Solutions

Building on decades of experience as an industry leader, RGA helps insurers worldwide profitably manage risk in the traditional life and health reinsurance space. RGA’s global network of experts delivers tailored solutions to meet the specific needs of clients and partners.

Net Premiums Growth
30-year CAGR since IPO, 1993-2023
+13.1%
2023 Net Premiums: $15.1 billion
  • U.S. and Latin America - $8.5 billion
  • Canada - $1.3 billion
  • EMEA - $2.2 billion
  • Asia Pacific - $3.0 billion
  • Individual Mortality
  • Group Reinsurance
  • Health and Medical

A trusted partner for facultative underwriting, actuarial expertise, and product development capabilities, RGA remained a global leader in mortality risk management in 2023, ending the year with $3.7 trillion in life reinsurance in force. 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.

In 2023, RGA prioritized its data operating model, data governance, technology, and new generative AI applications to modernize processes and empower people. The new framework harnesses the power of data and analytics to increase productivity and derive data-driven insights.

RGA’s underwriting teams reviewed approximately 225,000 facultative cases worldwide. The RGA Global Underwriting Manual (GUM) was accessed by more than 650 companies, and GUM’s Precision Calculator returned more than 715,000 results. The RGA Precision Calculator considers interactions between various medical risk factors and improves underwriting outcome competitiveness while maximizing underwriting efficiency and decision consistency.

Aura Next, RGA’s automated underwriting decision management platform, continued its expansion by serving new clients across six markets in 2023. In EMEA, RGA introduced Aura UWPal to small-to-medium-sized insurers and distributors throughout the region. The mobile-first solution utilizes RGA’s underwriting expertise, behavioral science, and business intelligence to support direct-to-consumer sales.

RGA’s claims teams provided quality and timely decisions consistent with RGA’s global claims philosophy. Users of the RGA Global Claims Manual/Guide viewed more than 30,000 pages of content, including best practice guides, medical information and definitions, and knowledge checks across an array of benefit types.

TAI (Tindall Associates Inc.), an RGA subsidiary and reinsurance administration software and services provider, spent the year preparing market launches across Asia and Australia to build on an existing customer base in North America, the U.K., and South Africa. TAI is committed to integrating cutting-edge technology with reinsurance expertise and is on a trajectory to become the reinsurance administration standard around the globe.

We are dedicated to moving the industry forward through innovative automated underwriting solutions, providing customized support for our clients and driving efficiency and business success.

Tonya Blackmore
Head of Aura and Global Digital Underwriting

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