The high net worth (HNW) population largely has better mortality than the general population. RGA's Hilary Henly explores the ways HNW individuals are seeking to extend longevity through cancer screening, genetic testing and advanced medical care. She also discusses the... Read More

RGA's Jean-Louis Fourie takes readers on a whirlwind tour of WhatsApp’s coming of age and its potential application to the insurance customer journey.  Read More

RGA's Marc Sofer, Head of Data and Strategic Analytics, Asian Markets, discusses how the newest data sets, together with existing data and novel analytics, are impacting the industry’s growth and development.   Read More

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As health plans look for opportunities to grow their business, many see employer stop-loss as an opportunity.

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The frailty index (FI) holds a robust and consistent correlation with mortality and morbidity and is a stronger predictor of mortality than chronological age. Frailty status may be a promising risk factor to add into the underwriting mix, particularly for disability ...

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In much the same way that insurers went through a transformation with prescription history data, a new landscape around the use and application of electronic health records is taking shape. RGA's Sue Wehrman discusses the implications in  Read More

The underwriting role is changing, and the highly skilled underwriter has the opportunity to take a far more strategic role in the business and add value throughout the insurance process. But this can only happen if carriers can free staff from crushing caseloads. To le... Read More

Behavioral economics is an area that is making a substantial splash in many industries and insurance is no exception.  Behavioral economist Matt Battersby examines how his discipline can play a role in reducing disclosure gaps.

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RGA's Dr. Newman Harris offers part one of a two-part series that outlines the latest ways to define and classify chronic pain as laid out in ICD-11. Understanding how pain informs impairment is an essential piece of our work, and this article provides additional clarit... Read More

In Group Insuranc... Read More

RGA's Sandeepan Basu provides an overview of the Fourth Universal Definition of Myocardial Infarction. This well-researched article delves into key aspects of the updated definition, explores its complexity, and presents potential implications for the life insurance ...

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The life and health insurance customer journey can be an emotional experience. RGAX's Charlie Matthews believes that in digitizing that journey carriers should begin by identifying customers' wants, needs, and expectations and then work to create an experience that addr... Read More

Insurers seem to be chasing appearances, but sleek, web-based systems can mask a distressing reality: Underwriting technology underpinning the decision process is not attracting the same attention. RGA's Bruce Bosco calls for a greater emphasis on automated underwrit...

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In this issue, explore topics from chronic pain and myocardial infarction to applying behavioral economics to non-disclosure. 
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The impact of genetic testing on the insurance industry will continue to be an important topic of actuarial research for some time as insurers address its effect on pricing and valuation. Insurance product development opportunities may also emerge to capitalize upon the... Read More

RGA has conducted a global survey of technology use in claims, spanning 107 companies. To learn more about RGA's key findings, download the

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Where is product development for insurance headed in Japan? RGA asked 30 major Japanese insurers in a comprehensive survey, and the company also conducted a complementary survey of approximately 4,800 policyholders of life products in Japan. The results were ill...

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The wider implications of recent advances in genetics and genomics, including polygenic risk scores, need to be considered in the context of the protection industry. RGA's Heather Lund and Richard Russell explore the topic in depth in the Journal of the Asso...

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Similar to the protective value analysis RGA completed on other key data sources used in life insurance underwriting, such as motor vehicle records and prescription drug scoring, RGA’s goal was to understand the relationship of credit to mortality outcomes. Given credit... Read More