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Individual Life


RGA offers exceptional facultative underwriting, deep actuarial expertise, innovative product development, and timely service – all backed by the strength of one of the world's largest life and health reinsurers.

RGA works with top life insurers in most major markets to write more business, reduce claims costs, meet regulatory requirements, and manage capital more efficiently. We provide tailored reinsurance coverage to meet specific needs and requirements on a treaty or facultative basis.

We offer:

  • Reinsurance solutions for a full spectrum of life insurance products, including:
    • Term
    • Whole life
    • Universal life
    • Supplemental benefits and riders
    • Joint and last survivor
    • Corporate-owned life insurance and bank-owned life insurance (COLI and BOLI)
    • Mortality catastrophe
    • Simplified issue (yearly renewable term or coinsurance)

  • Market-leading service. Clients who turn to RGA can expect:
    • Expert actuarial and underwriting guidance. RGA helps set and refine mortality expectations and define the impact of changes to underwriting protocol.
    • Local market insight coupled with global expertise. RGA partners with clients to customize underwriting approaches to align with the risk profile of each product.
    • True partnership to support your success. Your goals are our goals. We share your incentive to improve mortality experience

  • Services that add value, including:
    • Simplified issue expertise: RGA's team delivers state-of-the-art underwriting rules design and automation with AURA .
    • Facultative underwriting: RGA is the world leader in facultative, or individual large-case, underwriting and substandard risk assessment.
    • Automatic reinsurance: Automatic reinsurance from RGA provides an efficient and cost-effective way to outsource mortality risk, reduce claims volatility and free capital to deploy in other businesses.
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