Articles December 2016
Cancer protection
In Korea, cancer product design may have been a contributor to some of the market’s poor early 2000s experience; Hong Kong cancer products are more varied and flexible than those in Korea; and both Korea and Hong Kong insurers as well as those in the rest of Asia, have ... Read More
Articles December 2016
Don’t Click that Bait: Ransomware, Data Security and the New Frontiers of Fraud

Three simple information security steps can make a difference:

  1. ASSIGN a dedicated expert or team to security and privacy awareness.
  2. INVOLVE security and privacy representatives in product development pro...
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Articles December 2016
Wearable Wellness and Life Insurance: Five Quick Takeaways from RGA’s Fitness Tracker Study

Using wearable fitness tech to develop insurance wellness programs has been the subject of an industry-wide discussion for years. And as the technology improves, the conversation grows. At RGA, we wanted to gather meaningful data and gain experience over theory in ou...

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Snapshots of actuaries throughout the world
Articles December 2016
Actuary, the Job of the Future: Why we need to promote careers in actuarial science
Four reasons actuarial careers are exciting:  
  • Big data 
  • Shifting demographics 
  • Regulatory change 
  • Increasing innovation
  • ...
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Articles December 2016
Bugs, Behavior, and Beyond! Lessons from Recent and Historical Epidemics
On October 13, 1976, an unassuming package arrived at the U.S. Centers for Disease Control and Prevention from Zaire (Congo). The specimen inside soon revealed a terrifying secret: the slender looping tail of the Zaire Ebola virus, the cause of one of the most lethal he... Read More
Articles December 2016
Genomics Is Changing the Rules for Underwriting Breast Cancer Patients

The science of genomics is changing the game in breast cancer treatment and in the medical field in general. Life and health insurers will need to adapt to keep pace.

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Articles November 2016
Combatting Fraud through Predictive Modeling

The problem is well documented: fraud in the protection space has produced significant underwriting losses throughout the Indian insurance industry.

 
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Articles November 2016
Keys to Bancassurance Success: Innovation and Alignment in Distribution
The global bancassurance market is a sizable and increasingly important channel for protection products Read More
Research and White Papers November 2016
Update: Fatal Distraction
The statistics are clear – distracted driving is deadly. Each day in the U.S., more than eight people lose their lives and 1,161 are injured in crashes involving a distracted driver. Read More
Open book with different symbols of language
Articles November 2016
Defining Innovation: The New Vocabulary of Business Ecosystems
The insurance industry is primed for alignment with intersecting industries and for the next generation of innovators and entrepreneurs to lead the way. Read More
Street scene showing Asian elderly and youth
Articles November 2016
Insuring Asia, Product Design and Customer Segmentation: The young, the old and the very rich
Mr Michael S. Shin, CEO, RGA Korea, looks at the demographic trends shaping Asia and the need for insurers to adapt their solutions to the tech-savvy millennial, high net worth individual and the senior. Read More
Behavioral Science: Puzzle illustration, human shape
Articles October 2016
Behavioural Economics and Insurance: An Actuary’s View
The psychology and drivers of choice are becoming core elements in how life insurers are looking to meet fundamental challenges. The fast-growing field of behavioural economics, which looks at how individual biases affect purchase decisions, is becoming a more significa... Read More
Articles October 2016
Voluntary Products and the Growth Imperative
Discovering new paths to growth is the biggest challenge for insurers today – and the biggest opportunity. Voluntary benefit products, along with associated modernization, offer a vehicle to meet this growth imperative. 
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genetic DNA in the lab
Research and White Papers October 2016
Genetic Testing in Insurance: Challenges and Opportunities I
 Information from genetic tests has the potential to improve population mortality and morbidity experience, but there are many challenges for insurers in using such information. Read More
Articles October 2016
Macro-economic Headwinds: Insurance Companies’ Strategic Options for Resilience
Winner of the Best Essay Competition at 10th Annual Multaqa Qatar. Since the onset of the 2008 economic downturn and credit crunch, the world economic stage has been set for an abnormally long period of protracted sub-par growth. Read More
Businessman gazes into the distance, seeking strategic direction
Articles October 2016
Credit Life Insurance
Across geographies, the financial sector is a significant contributor to any economy. Yet, financially engineered products carry inherent risks, including the death or disability of the borrower. Group credit life products, and their design and administration, are the k... Read More
Articles September 2016
Ramifications of Utility, Importance Gains for Patient-Generated Health Data (PGHD)
Patient-reported outcomes are important – they provide perspective … that might not be captured by clinical measurement. RGA explores the insurance considerations.  Read More
HIV Finger Stick Blood Test
Articles September 2016
HIV: Designing Underwriting Guidelines
With the advent of anti-retroviral therapy (ART) in the mid-1990s, HIV has become a controllable (albeit still chronic) disease. This article discusses insurance implications.  Read More
Articles August 2016
Is Group Life Insurance a Commodity? A Call for Value Added Services
I had the recent pleasure of hosting a guided panel discussion at the 2016 SOA Health meeting, which took place June 15-17 in Philadelphia, Pennsylvania. During the panel, we discussed the competiveness of the group life insurance market and whether it is possible for c... Read More
Nurse cares for wheelchair bound older woman
Articles August 2016
Aging, The Trillion Dollar Opportunity: Wellness, Wearables, Insurance and the Senior Market
With so much talk about InsurTech for millennials, insurers may be underinvesting in middle-income seniors. Find out how innovators are bringing new technology solutions for seniors to market and contact us to learn how RGAX is helping to address t... Read More