Double exposure woman cityscape
Articles August 2020
COVID-19 Brief: Three product digitalization trends in Asia insurers should watch
The pandemic has launched and accelerated digitalization initiatives throughout the business world. RGA's Terence Leong and Diana Bosworth study three major product digitalization trends that could be part of a potentially permanent change for the insurance industry, fo... Read More
Image of world of glowing nodes held in hands
Articles August 2020
Back to Basics? Evolution of Distribution Models in Inclusive (Micro) Insurance

The evolution of microinsurance offers important lessons for all insurers seeking to close a lingering protection gap through new distribution models, says RGA's Ola Oyekan. The secret? Microinsurers have found success by reaching beyond traditional approaches t...

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Caregiver image: elderly woman playing chess with younger woman
Articles August 2020
Long-Term Care: A Middle-Market Senior Care Solution
Labors of love: millions of caregivers will struggle to juggle work and family obligations with care for elderly relatives. RGA's Bruce Stahl and Winona Berdine ask us to consider a different approach to meeting long-term care needs. 
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Articles August 2020
Lessons Learned: Fixing Weak Links to Fight the Next Pandemic
In the battle against COVID-19, RGA's Dr. Daniel Zimmerman asks whether we are playing a strong-link world. He outlines six lessons insurers and clinicians can learn from the indirect consequences of the virus and calls for greater focus on addressing vulnerabilities in... Read More
Blue harbor docked boats
Articles August 2020
Safe Havens: Investment destinations to harbor the pandemic storm
RGA's Imran Lorgat explores investment destinations amid the pandemic in the August 2020 edition of FA News. Read More
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Articles August 2020
Insuring Against Low-Probability Events: What can Wimbledon's pandemic clause teach us about assessment of rare risks?
Preparing for the improbable - In the August 2020 edition of FA News, RGA's Wade Butlion explores the psychological reasons why so many fail to institute forward-looking risk manageme... Read More
Puzzle pieces
Articles August 2020
COVID-19 Brief: Novel collaborations emerge amid the pandemic
While long-term effects of the pandemic remain hazy, it seems clear that carriers are turning to collaborations to adapt more rapidly and effectively to unprecedented disruptions, and these insurers seem better likely to translate short-term responses to COVID-19 into s... Read More
Woman applying disinfectant at workstation
Videos August 2020
Long-Term and Indirect Impacts of the COVID-19 Pandemic

Curious about RGA's research?   Contact us to learn more. 

This video was developed in conjunction with actuv...

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Images of multiple currencies with figures wearing masks
Articles August 2020
Five Practical Strategies to Mitigate the Impact of COVID-19 on Lapse Rates
COVID-19 has caused significant economic and financial hardship around the world, and policyholders seeking to shore up finances may consider letting insurance coverage lapse. RGA's Othmane Akesbi shares five practical strategies to mitigate the impact, both now and int... Read More
Articles August 2020
Positioning for the "New Normal" : RGA's Global Life and Health Underwriting Survey

That was the chief finding from a wide-ranging RGA survey from 2019, and the impact of COVID-19 seems likely to only reinforce these trends. Now, more than ever, consumers are demanding modernization, and those insurers demonstrate greater technical agility, inc...

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Global Underwriting Manual - Superimposed metrics over cityscape
Research and White Papers August 2020
RGA Global Life and Health Underwriting Survey: Entering the “New Normal”
Life and Health Insurance Underwriting is entering a “new normal”.
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Articles August 2020
Six Steps to Insurance Claims Fraud Detection
This article is Part IV, the final, in a series that addresses fraud prevention during the coronavirus pandemic by following the life cycle of an insurance policy – from  a... Read More
Articles August 2020
COVID-19 Brief: Survey shows consumer perceptions of insurers improving in Asia during pandemic
RGA conducted a survey in June 2020 across eight markets in the Asia region to learn more about consumers’ perception of the insurance industry’s response to the novel coronavirus crisis so far. Neill Muller and Fang Zhong reveal what the results mean for insurers movin... Read More
Articles August 2020
Cultivating an Underwriter’s Competency

Part I in a series of articles on developing underwriting thought processes, this first installment takes an academic approach to understanding how underwriters’ decision-making changes with experience. The authors further consider the implications for training young...

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Asian woman, masked, displaying exhaustion
Articles August 2020
Global Claims Views: COVID-19/SARS-CoV-2 and the Impact on Disability - A Focus on Fatigue

Post-viral syndrome? While the long-term consequences of COVID-19 are yet to be determined, previously healthy individuals are reporting persistent and chronic fatigue after recovering from the virus. Dr. Paul Davis shares researchers' developing understanding of a w...

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Articles August 2020
COVID-19 Brief: An insurer's guide to selecting infection fatality rates for making projections
How do you determine the right infection fatality rate (IFR) when territory-specific data isn't available for a particular projection? RGA's Global Data and Analytics team provides an overview of different types of IFRs, calculation methods, and considerations for (re)i... Read More
Articles August 2020
Get the Facts about Group Disability Claims Appeals
Get the facts about group disability claims appeals from a first-ever survey of common practices and challenges. Read More
The Power of Dynamic Requirements Gathering: Yield Sign
Articles August 2020
Learning to Unlearn: The Power of Dynamic Requirements Gathering

A pandemic presents a perfect moment to rethink old premises, to unlearn established practices, and to ask unexpected questions. For example, why not perform an additional risk assessment upfront – before ordering evidence – to determine if the outcome is likely to j...

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Visual of forensic accounting auditor at work
Articles July 2020
Sweat the Small Stuff: Preventing Insurance Fraud during Policy Administration

RGA's Bob Gooderl and Alex Bunte provide practical guidance on how insurers can prevent fraud in policy administration in today's changing and uncertain environment. The COVID-19 pandemic has not only complicated many basic aspects of policy administration, but it ha...

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Ballet player in the distance
Articles July 2020
COVID-19 Brief: Is the novel coronavirus pandemic a black swan? Considerations for insurers
The Black Swan, a book by Nassim Nicholas Taleb, suggests that it is difficult to know both the probability and size of extreme events, and explains how an event can become a black swan. Is the COVID-19 crisis one? While multiple warnings and relative histroic importanc... Read More