Lack of confidence is an anchor that can weigh you down when you are starting a job search or changing a career, especially when you are forced to do so because of a disability. It is also one of the leading causes of return-to-work claimant failures. Three job-searc...

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Asia’s senior market is transforming just as access to new data is expanding: how can insurers use these advances to prospect new markets, develop new products, increase operational efficiency, refine pricing and find future growth?
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Knowing the basics of genetic testing and its underlying science is the first step in understanding genetic testing’s potential impact on insurance. Genetic testing is best defined as the analysis of DNA, RNA, chromosomes, proteins and metabolites in relation to heri...

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What disruptive forces will insurers need to confront to compete? And what changes are already upon us? A summary of the changes afoot and the transformations ahead, from consumer engagement and underwriting to claims.

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Here are a few fraud red flags to look out for this holiday season and throu...

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Sticking with business as usual – that is, providing traditional risk mitigation products for low-risk populations – has been a tried and tested insurance strategy for years. Subsequently, in many markets, competition for healthy consumers is stiff, products are becomin... Read More

• Makes instant decisions on clean cases.
• Enables underwriters to focus their attention on more complex cases.

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The pendulum swings? Competitive intelligence suggests consolidation and declining growth rates that once defined global life reinsurance may be nearing an end.
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As the life and health insurance industry scrambles to innovate in the insurtech space, the best opportunities for progress may also come by building on work that has already been done – in banking.

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Long-term care claims are triggered when policyholders are not able to perform two to three specified Activities of Daily Living (ADLs). RGAx asks if long-term care insurance can be developed to protect seniors long before ADL disabilities become apparent.  Read More

My professional and educational background is actually in computer science – I transferred from RGA’s IT department to the data analytics group in 2013. So I came into the data side of things by way of technology. I love math, and I love to solve puzzles. The math in...

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While other companies may be trying to apply it to gain operational efficiencies, RGA in Asia is focusing on using BE in solution design.

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Amid these advantages, one fundamental challenge remains: Each year, the percentage of customers actually receiving a monetary benefit from owning life insurance is extremely low. In fact, annual claim rates are typically measured per mille (thousand) rather than as a p... Read More

At the Society of Actuaries (SOA) inaugural Predictive Analytics Symposium last month, RGA experts took a leading role in exploring the latest trends, tactics, and technology fueling the predictive analytics revolution.

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Toronto has a beautiful Victorian-style city hall. Behind its tower, which is somewhat reminiscent of London’s Big Ben, you’ll see an impressive, powerful and modern glass building soaring skywards. Read More

With each passing month, it seems that more and more cases without age reductions or with requests to remove existing age reductions find their way into my inbox. A pang of apprehension accompanies approval of such cases as I ask myself if I signed RGA up for claims tha... Read More

First do no harm? RGA’s Tina Haertzen draws underwriting lessons from liberalizing physician benefit plans and rising claims. Read More

Physical and mental care for ageing senior citizens is fertile ground for new technology solutions, including robotics. Read More

Diagnoses of mental and nervous disorders are rising, work leaves related to these diagnoses are also increasing, and many of these disabilities involve a work-related issue, such as conflict with colleagues or a direct supervisor, work overload or performance issue. Read More

In an era of rising cancer survival rates and costs of care, how can underwriters  help ease physical and financial suffering?  Read More