Graphic of Artificial Intelligence and binary code
Articles January 2019
How to Teach a Machine: Artificial Intelligence and Insurance
Can you teach a machine to learn? The future of insurance – and many other industries – may rest upon the answer. RGA's Jeff Heaton discusses the promise of AI ... and the limitations. Follow Jeff on Read More
Image of circular staircase
Articles January 2019
A New Twilight Zone? RGA Explores Underwriting Occupations of the Future

Rod Serling has nothing on RGA’s Melissa Tilford and Mary Johnson. These experts explore the jobs of the future and the implications for today's group underwriters.

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Collage of lab worker and DNA
Publications January 2019
ReFlections Volume 46, January 2019
In this issue, explore topics from iodine and thyroid disease to A.I. and Electronic Health Records.
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brain in a lightbulb illustration
Articles December 2018
Behavioral Science and Insurance: Part Two
There are few industries in the world where behavioral science can have more positive impact than the life and health insurance industry. But how do you get started? RGA's Matt Battersby shares two approaches in the second half of his wide-ranging overview of behavioral... Read More
Thinking man on ladder figure
Articles December 2018
Behavioral Science and Insurance: Part One

Now is the time for life and health insurers to apply behavioral science to help solve problems, such as underinsurance, inaccurate disclosures, and unhealthy lifestyles. RGA behavioral scientist Matt Battersby explores why people make the decisions they do -- and wh...

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Family in silhouette gazing into the distance
Articles December 2018
Innovation – Through the Eyes of Actuaries

“Where will we see the most innovation in the life insurance industry in the next three years?”  RGA's Jared Godwin asked this question at the annual conference of the Actuarial Society of South Africa. The answers are illuminating. 

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Articles December 2018
Navigating ERISA Regulations for Disability Claims
In the US, effective April 1, 2018, the US Department of Labor (DOL) passed updated regulations for employer-sponsored benefit plans subject to ERISA (the Employee Read More
Glasswalled conference room and business meeting
Articles December 2018
The Substantial Impact of Taxes under Solvency II: Can Reinsurance help?
The consideration of taxes in the context of Loss Absorbing Capacity of Deferred taxes (LAC DT) can reduce the SII capital requirements substantially. Under certain circumstances effective use of reinsurance offers some advantages, and this article explains how this can... Read More
Articles December 2018
Middle East Update: Understanding Takaful
RGA's Tamer Saher offers a cogent analysis of the current USD$20 billion takaful market, including its evolution and current state. Read More
Doctor analyzes EKG results
Articles December 2018
Better Underwriting Decisions are Just a Heartbeat Away
Technological advances in biosensors and increasing amounts of heart rate data from wearable devices and electronic health records are leading to the development of more sophisticated underwriting algorithms. This data, when coupled with robust epidemiological evidence ... Read More
Asthma: Woman reaching for inhaler
Articles December 2018
Asthma and New Effective Treatments
Asthma affects individuals differently. Consequently, one treatment does not fit all. This article looks at traditional methods of managing this disease, as well as describing some of the newer medications being used, and possible alternative treatments that are current... Read More
Skyline of Warsaw, Poland
Articles December 2018
Evolution and Revolution: Changing Perceptions of Life Insurance in Central and Eastern Europe

RGA offers a thoughtful look at the future of the rapidly changing markets of Central and Eastern Europe. Based in Warsaw, RGA CEE...

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Acceleration: woman manipulating digital interface
Articles December 2018
Trends Point to an Accelerated Future for Risk Selection

As insurers develop accelerated underwriting programs and take steps toward more efficient processes, lower costs, and a streamlined customer experience, innovations across the insurance industry are helping to improve 

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Articles December 2018
Insurance and India's Digital Transformation
India’s life and health markets continue to be vibrant with potential as well as challenges. Mr K.S. Gopalakrishnan of RGA India, looks at the current and future while evaluating the growing role of digital. RGA is the 2017 and 2018 winner for Life... Read More
Family running in park with kite
Articles December 2018
Opinion: Insuring happiness - Behavioral Science, Marketing and Insurance
Concepts such as happiness and pleasure and how they are seen through the lens of behavioural economics are emerging as increasingly important for life insurers looking for ways to innovate their products and services. RGA Global Reinsurance – Escritório de Representaçã... Read More
Well controlled diabetes: diabetic management tools monitor, apple and shoes
Articles December 2018
Product Development: Expanding Life Insurance for Diabetics
As the number of diabetics continues to grow worldwide, how can life and health insurers cover more of this population? RGA's Dan Lyons and Neill Muller offer a cogent analysis. As a global reinsurer, RGA has a thorough understanding of diabetes-related products current... Read More
Path to a distant lighthouse
Articles December 2018
New Path to Success in Self-Funded Group Insurance

For insurers and HMOs looking to enter the self-insurance market, the road ahead may appear daunting, but a new solution from RGA can help pave the way.

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Illustration of human body made of connecting nodes
Articles December 2018
The Digital Future of Health Insurance
With so many variables and so many opportunities, many different digital paths await a new generation of trailblazers. Health insurers need to start taking the first steps toward digitization now. Read More
Hungry child eying fast food
Articles December 2018
A "Starving" Policyholder: A New Approach to the Old Problem of Innovation
When it comes to innovation, are insurers ignoring the obvious – and failing to meet clients true needs?  Read More
Articles November 2018
Is the Fault of the Flu in Our Stars… or Ourselves? A Call for Greater Vaccinations against Influenza ​
The word “influenza” comes from the Italian for influence of the stars and dates to the early Middle Ages, at a time when most of us still looked to the skies for solutions. RGA provides a compelling call to action in Read More