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Facultative and Underwriting Expertise

RGA’s underwriting expertise is among our greatest competitive advantages. We provide underwriting support for individual life, living benefits, longevity, and group reinsurance products.

RGA embraces facultative underwriting as an area of focus. We are the world leader in this form of individual large-case underwriting and substandard risk assessment, receiving more than 6 million cases since 1979.  

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RGA's Strategic Underwriting Program (SUP) is an effective, valued service for direct insurers facing overwhelming underwriting demand during exceptionally busy periods. Contact our Facultative Call Desk to learn more. 

RGA Facultative Call Desk 
8 a.m. – 4 p.m. CT
T 866.923.3261

Since its launch in 2002, RGA’s ASAP (Automatic Selection and Assessment Program) has become an increasingly valued and reliable program through which RGA provides instant decisions online on impaired risks to its clients.

Elite Sales Processing (ESP) is a well known and highly respected underwriting team. ESP adds to RGA's growing family of underwriting service providers. 
The GUM Brochure is a comprehensive, easy-to-use manual that provides instant access to risk classification information. GUM helps underwriters make knowledgable decisions on product lines, including life, critical illness, disability income, hospitalization and medical reimbursement, waiver of premium, total and permanent disability, and accidental death benefits, as well as a range of market-specific product types. 

RGA’s FAC Console (Facultative Underwriting Console) is a proprietary underwriting technology that allows insurers to submit facultative applications to multiple reinsurers simultaneously. Contact us to learn how FAC Console may be able to help you enhance decision-making efficiencies. 

RGA’s AURA (Automated Underwriting and Risk Analysis) platform enables clients to place policies, capture information, improve consistency and reduce costs. Available in 10 languages, AURA provides straight-through e-underwriting and management for more than three million life, health and annuity applications annually.

RGA offers significant expertise in designing and supporting preferred risk products. We can help you create the preferred product that is right for your market. 

RGA’s underwriting team offers a range of value-added services, including:

  • Underwriting document reviews that include assessing application forms and suggesting improvements to enhance clarity and reduce non-disclosure and anti-selection

  • Underwriting questionnaire evaluation

  • Consulting to increase the efficiency and performance of processes collecting and analyzing medical information

Contact Us
RGA Facultative Call Desk 
8 a.m. – 4 p.m. CT
T 866.923.3261