As DigitalOwl’s exclusive reinsurance partner, RGA can help you transform digital health data automation and acceleration. Our advanced generative artificial intelligence (AI) rapidly and accurately summarizes multiple data sources. It also delivers structured digital assets that can drive dramatic advances in rules engine automation.
RGA is a trusted industry leader with a proven commitment to sharing risk and supporting carriers at every step of the digital journey. Together, we can go far.
RGA’s U.S. Individual Health team is wholly dedicated to the success of our clients. We provide proven reinsurance solutions for long-term care, short-term coverage, disability income, and critical illness, among other lines. Our recognized expertise and dedicated team can help your organization achieve its key objectives.
RGA offers market-leading health underwriting expertise, exceptional access to risk management experts, and proprietary tools to help our clients navigate an ever-changing health insurance landscape across the globe. Our health underwriting experts are spread across all key markets and work in partnership with clients to:
Our key underwriting tools include Global Underwriting Manual and AURA NEXT. The RGA Global Underwriting Manual is a comprehensive, easy-to-use guide that provides instant access to risk classification information and helps underwriters make knowledgeable decisions on health benefits like Hospital Cash and Medical Reimbursement. AURA NEXT is a decision-management platform powered by RGA's underwriting and analytics expertise that supports fast, flexible, and reliable automated underwriting for health businesses. In addition, we offer a range of underwriting services to support our health insurance clients including process reviews, quality assurance and auditing expertise, product development inputs, and training opportunities.
RGA's record of successful product launches is unmatched. For the 12th consecutive year, RGA was ranked #1 in product innovation by insurers on NMG
Consulting’s 2023 Global Life & Health Reinsurance Study. We offer a multidisciplinary approach to health-related reinsurance solutions. Our specialist local health reinsurance teams are supported by medical doctors, actuaries, underwriters, and claims management professionals around the globe. We partner with clients to provide customized health propositions that result in sustainable, profitable portfolios. Our leading global position allows us to view product structures and designs and offer advice on transportability into local markets. We also offer deep technical expertise, strong research capabilities, and an innovative mindset.
RGA delivers health product solutions for all, including untapped segments such as impaired lives and the elderly. We support a range of health reinsurance solutions, offering Quota Share and Excess covers individually or in combination, and we work with Individual and Group providers on a local or multinational basis. By truly living RGA’s purpose, we strive to deliver financial protection to all and bridge the global health protection gap.
The life and health insurance customer journey is no longer linear – with a beginning and end. Consumers increasingly expect to forge relationships with brands that are interactive, personal, and evolving. We are your partner at every step of this journey. We offer deep behavioral science insights, data-driven distribution expertise, and world-class learning resources. Whether you’re a digital-first, born-in-the-cloud insurtech, an established insurer, a distributor, or something else, you can address growth barriers with the help of a life and health reinsurance leader.
RGA’s teams of dedicated and specialist health actuaries have an expert understanding of health markets, health products, and health data. We work with clients to develop innovative health products and risk management solutions in markets across the globe, leveraging our deep rate-making expertise in a wide range of products and in proportional and non-proportional reinsurance.
Excellence in claims management requires deep technical knowledge – and a human touch. RGA is distinguished by more than the depth of our technical expertise; we are known for the value we place on forming stable, long-term partnerships and our demonstrated commitment to protecting the honest policyholder. RGA has repeatedly been ranked #1 globally by claims managers on NMG Consulting's Business Capability Index.
No other reinsurer has more experience in rating complex risks or a better reputation for competitive pricing, timely service, and large-case capacity. We draw on this experience to serve a singular focus: to help you underwrite more risk and protect more people.
Our key underwriting tools include:
Public health systems are under intense pressure from aging populations, an increasing chronic disease burden, rising medical costs, and the healthcare demands of a growing global middle class. RGA is uniquely positioned to navigate this dynamic environment, offering a range of locally customized medical reimbursement and fixed-benefit reinsurance solutions in key markets.
With insights from our behavioral science experts, Heidi will keep your consumer engaged in his or her health and wellbeing journey with your services and your brand. Heidi connects with the user through personalized gamification, signposting, and support in the right way at the right time
Connect consumers to interventions in one seamless user journey through Heidi. The platform includes a range of mental and physical wellbeing assessments, personalized notifications, nudges, and reminders along with being packed with the latest health and wellbeing advice – all presented in easy-to-digest articles, videos, and podcasts.
Answer specific strategic questions by gathering and analyzing input from a client's distribution channel partners. In a typical project, RGA empowers the client to answer a specific strategic question, identifying valuable opportunities to improve performance and surfacing new product development niches.
RGA surveys can generate insights across the insurance value chain, from identifying and helping to target underserved markets to uncovering product development gaps, enhancing risk selection and pricing, enhancing policy administration retention and persistency, and creating process efficiencies.
Gain access to insights, trends, and best practices by partnering with RGA. Our team can empower you to identify gaps and opportunities to enhance sales performance, streamline business processes, optimize reinsurance, product or underwriting development opportunities, and more. Our primary research addresses topics that might otherwise be unavailable, and we offer local and international benchmarking and customized reporting, and thought leadership across a diverse portfolio, from distribution and product development to insurance lines of business, underwriting, and innovation.
Inform pricing, performance, marketing, and other core decisions through experience studies from RGA. Our data scientists and actuaries can analyze a variety of products, including life, critical illness (CI), disability income, hospital cash, and medical reimbursement. Our in-depth studies may include advanced modeling and industry benchmarking.
Exchange best practices and explore alternative approaches and new solutions through benchmarking from RGA. Our research can reveal insights to improve efficiencies, identify competitive positioning in existing markets, and better understand new markets.
Interested in data-driven analytics or non-traditional data sources for risk assessment? Need solutions or to improve internal processes? Data and analytics can reveal remarkable insights – from untapped market opportunities to shifting consumer behaviors. But it takes the right people to translate potential into value. RGA has the experience and insight to put data to work. Our team blends diverse skill sets with deep expertise. Our actuarial, underwriting and medical professionals are among the most highly regarded in the industry, and we are also known for offering broader perspectives, from data engineers and scientists to experts in strategy, behavioral science, and technology. We can help interpret your information assets in a multivariate setting, leveraging available assets to enable or support solutions, better understand experience drivers, identify operating cost- and time efficiencies, and enhance the effectiveness of marketing campaigns.
Advances in medicine are profoundly reshaping reinsurance globally. Our seasoned physician team of more than two dozen medical directors spans six continents, represents multiple specialties and subspecialties, and brings together unequaled life and health insurance experience. For the sixth consecutive year, ceding companies most often identified RGA as best in class by risk class on NMG Consulting’s 2023 Global Life & Health Reinsurance Study.
Benefit from our medical expertise when making underwriting, claims, product development, and pricing decisions. RGA's experienced team of physicians and experts offer extensive technical support and can assist with product design, policy language, and pricing assumptions.
Enhance internal underwriting processes, governance, and controls through operational assessments from RGA. Analysis can reveal opportunities for process optimization and reduced cost through underwriting document reviews and assessment of application forms, underwriting questionnaire evaluations, suggestions for enhancing clarity, reducing non-disclosure and anti-selection, and other activities.
Strengthen your bancassurance distribution channel with the power of partnership. One of the most important channels for life insurance globally, bancassurance distribution agreements can be challenging for the unprepared. Our expertise gives you a competitive advantage.
Deliver a more compelling customer proposition and lower customer acquisition costs by tapping our digital distribution experience. We can create white-labeled digital products, design engaging end-to-end purchasing journeys, and integrate solutions into your process through our world-class AURA NEXT automated underwriting and digital decisioning platform.
RGA's record of successful product launches is unmatched. For the 12th consecutive year in 2023, we were ranked #1 in product innovation by ceding companies on NMG Consulting's Global Life & Health Reinsurance Study.
As the only reinsurer to focus exclusively on life and health, we are uniquely well-positioned, but our partnership mindset truly sets us apart. We don't just focus on identifying – or creating – opportunities. We work together with you to ensure success. Find out how we collaborate to achieve success and explore case studies on our Product Creation page.
MedScore® is a risk assessment tool for
group insurance that combines the predictive
power of prescription drug data and digital
health data (DHD) in a single score.
The complementary nature of these two data
sources (behavioral plus medical) when used
together, gives carriers a powerful tool for identifying
groups with the greatest potential to deviate
materially from the pricing basis. Equipped with this
knowledge, a carrier can use the scores from these
two tools to refine pricing, triage new opportunities,
or modify benefits or rate guarantee offerings
TransUnion TruVisionTM Life Group is a credit-based behavioral index that is predictive of group mortality and morbidity experience. Validated and marketed exclusively by RGA, TransUnion TruVisionTM Life Group helps carriers get more value from existing underwriting information by combining it with insights derived from the behavioral side of risk.
In partnership with our clients, RGA delivers the expertise, innovation, and execution excellence you require by leveraging our comprehensive portfolio of actuarial, underwriting, claims, and research services. These include:
RGA is synonymous with underwriting expertise and for good reason. Our team of group life and disability underwriters averages 20 years of industry experience in unique and complex risk cases. We review more than 1,500 cases per year, respond to inquiries within one business day, and maintain a client approval rating above 94%. As such, you can expect a quick and clear response from our underwriters who will provide expert consultation on even the most challenging of cases.
Some disability claims can be downright puzzling and costly. RGA’s group claims consultants are experts in managing complex, long-term disability claims to a positive outcome. Whether you’re struggling with a pending, active, or mature claim, our consultants draw upon their many years of experience in working with challenging cases to assist you in developing an effective approach to resolution.
Enlist dedicated RGA experts with broad group experience to provide creative, flexible consultation on sub-standard industries and other unique risks typically within 24 hours. Comprehensive facultative dashboards outline the type of requests, case sizes, industries, and approval rates.
Overcome barriers to life and health underwriting automation with UnderwritingPal. Prohibitive upfront costs can prevent smaller insurers and start-ups from accessing the power of automated underwriting and decision management.
UnderwritingPal (UWPal) is an affordable, white-labeled automated underwriting solution for insurers with limited in-house underwriting or technical resources. Go to market faster and scale rapidly and easily with UWPal.
Transform prescription drug histories and digital health records into actionable underwriting insights with RGA. RGA pioneered risk assessment utilizing Rx scoring, and today we are breaking new ground with digital health records, including electronic medical records (EMRs), medical claims, and laboratory results. We also work with partners to digitize APSs and unstructured data. Partner with us to further your underwriting modernization; better understand use cases, available vendors, and data intricacies; and perform Rx/digital health record studies to prove or disprove hypotheses. Advanced analytics can transform your risk assessment.
Group Risk Dimensions® is a suite of solutions offered exclusively by RGA that identifies different dimensions of insurance risk, ranging from medical to behavioral. The flagship Group Risk Dimensions solutions, MedScore,® and TransUnion TruVisionTM Life Group provide our group carrier clients with a consistent, compatible set of predictive tools that, when used separately or in combination, deliver powerful pricing and underwriting insights. The solutions have been developed over a series of years, and have been thoroughly researched and tested to be actuarially credible.
Shifting consumer expectations, data sources, and technology innovations are driving rapid changes in life and health risk assessment. As a risk-sharing partner, we understand these challenges and are ready to help with robust digital and data-driven risk solutions embedded with our underwriting, morbidity, and mortality expertise.
With our deep knowledge of regulatory frameworks, RGA can guide risk mitigation and anticipate which data applications are likely to be acceptable. We formed a Data and Analytics Ethics Oversight Board and Data and Analytics Ethical Framework to keep pace with best practices and regulatory change in this fast-evolving field. We are the first reinsurer to receive regulatory approval for Binding Corporate Rules (BCRs), internationally recognized as the most stringent standards for data protection.
Security, scale, and data privacy are built into the core of Heidi, creating a highly scalable system that can be deployed globally. Heidi’s full-stack, enterprise PaaS system empowers business-to-business solutions for any number of white-label partnerships. We’ve done the hard work, so you don’t have to.
Heidi, Health Ecosystem Integrating Digital Innovations, is a white-labeled digital platform built as a bridge to greater wellness, improved claims outcomes, and better consumer engagement.
Drive healthcare customer engagement and persistency with a seamless, secure, single-source solution for digital health services.
In the right hands, health data is a powerful transformative asset that can rapidly and regularly inform analytical and data-driven decision-making. RGA’s teams of health actuaries and data scientists have an expert understanding of health data and deep analytical expertise gained from working with datasets and solving problems in global health markets.
Underpinning our health analytics is a health-specific data warehouse, providing easy access to clean, accurate data and the latest analysis, visualization, and dashboarding tools. In addition to leveraging standard health insurance data, RGA is deriving insights from new explanatory factors and predictors of health experience. In particular, we employ data generated from digital health domains, for example from wearable devices, and data related to fraud, waste, and abuse. By integrating this next-generation data with standard health data, RGA is building a powerful health data ecosystem to deliver market-leading insights.
In an era of spiraling costs, stop-loss insurance allows employers to self-fund while protecting against loss. But this very advantage introduces risks. Through RGA Healthcare Turnkey, health plans can build the capabilities and capacity to enter the self-funded market (ASO) and employer Stop Loss markets and ultimately achieve self-sufficiency.
As a reinsurer with extensive employer Stop Loss and medical reinsurance experience, RGA can connect our partners to a comprehensive suite of Managing General Underwriter (MGU) services, training, and educational resources, the ability to retrocede or transfer risk back as needed, and the security of a complete reinsurance program. Through the Managed Care Stop Loss Turnkey solution, RGA develops each ESL product using a fronting carrier partner’s A-rated paper.
As one of the world's largest life and health reinsurers, RGA is exceptionally well positioned to help U.S. group clients adapt – and thrive – in a changing medical landscape. Our employer Stop Loss reinsurance experts offer extensive technical support, including manual review rating, PPO network discount analysis, and benchmarking and analysis based on a $2.6 billion MGU stop-loss claim data repository.
Excess medical reinsurance solutions from RGA are driven by data and supported by consistent and competitive pricing and demonstrated proficiency in designing and administering coverage for catastrophic medical risks. Benefit from decades of actuarial, underwriting, and claims management, and product development experience for health plans and insurance companies. RGA has the knowledge, capacity, and client focus to help you manage the challenges of a complex medical or managed care environment.
RGA offers a full suite of Group Living Benefits reinsurance solutions, including:
Pick one thing and do it well. Usually, this is great advice. But what happens when a client’s needs cannot be resolved with a single click, a single tool, or even the help of a single team? Enter RGA Central, the password-protected home to RGA expertise, research, and insights across multiple disciplines, operations, and business lines. Get a holistic view of our resources. Learn more about RGA Central
Benefit from risk profile evaluation, customized guidance on collection and monitoring of concentration data (including identification of concentrations in proximity to terror or natural disaster zones), and mapping and modeling
RGA offers reinsurance solutions for a full spectrum of group life insurance products, including:
Available in multiple languages, this all-in-one resource includes comprehensive, country-specific overseas death claims risk management and fraud prevention tools and calculators.
Users can access a library of best practice guides packed with practical advice, medical information and definitions, key considerations, and knowledge checks across an array of benefit types and critical illness and disability income conditions. Other sought-after features include podcasts, webcasts, and training as well as toolkits on vital topics, such as behavioral science and long COVID.
Our group actuarial services range from rate benchmarking and disability claim termination rate studies to Monte Carlo retention analysis, pricing assumption analysis and audits; claims experience reviews; cross-subsidy, reserve adequacy/assumption, and risk management/risk concentration evaluations; mapping and modeling; and much more.
With decades of group insurance experience, the RGA Market Research team serves as an extension of your company. Our research experts help you uncover critical insights and deliver in-depth answers to help your team deepen their understanding of the market, various sectors, and functional areas, such as claims, underwriting, product development, and more. By tapping into our competencies in benchmarking, market and industry research, best practice and guideline development, and industry and market profiling, you’ll get customized information that enables you to take action.
Whether you are new to the industry or a seasoned professional, RGA’s Learning Gateway is your home for on-demand e-learning excellence. With a click, build knowledge on foundational topics and emerging trends anytime, anywhere around the world, through desktop or mobile devices.
Shifting consumer expectations, data sources, and technology innovations are driving rapid change in life and health risk assessment. As a long-standing risk-sharing partner, RGA stands ready to help. Let us partner with you to transform risk assessment with advanced analytics.
RGA offers reinsurance solutions for a full spectrum of life insurance products, including: