Behavioral Science

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When you can better understand human behavior, you can more effectively predict it – and change it.     

Benefit from RGA's behavioral science expertise. We are specialists in the “why” of life and health insurance decision-making.

Our mission is simple: to help insurers create products, policies, and communications that reflect how people really do think and behave rather than how we think they should think and behave.

Curious? So Are We. 
Explore Our Case Studies.

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What is Behavioral Science?

Behavioral science combines insights primarily from psychology, sociology, neuroscience, and economics, with advanced research methods, data science, and real-world experiments. RGA's track record proves our evidence-based approach, anchored in behavioral science principles, can transform small changes into big results

 

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Why Partner with RGA?

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Evidence-Based Solutions

Whether you are seeking to explore alternative distribution, reach underserved markets, improve application accuracy, or improve customer retention and satisfaction, our evidence-based behavioral science approach empowers you to create more effective, efficient, and ethical solutions. Simplify underwriting journeys to improve disclosures, reduce completion times, and increase customer satisfaction.


 

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Optimal Outcomes 

  • Optimize product design and distribution. We align propositions and messages with the psychological drivers for seeking insurance coverage
  • Create quote and policy wordings that increase customer comprehension
  • Improve targeting, messaging, and customer experience for digital journeys
  • Enhance the motivational power of health and wellness programs
  • Help disability income policyholders return to work quickly and safely 
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We combine deep technical knowledge and a proven methodology – coupled with a key ingredient: a human approach. 

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A father sits on a park bench with his son and helps the child adjust his headphones.

It's Time to Humanize Product Development

RGA's expertise, experience, and evidence-base also power the proprietary I.N.S.U.R.E. M.E. model, an initiative that behaviorally optimizes insurance solutions from concept to launch, or at any point in between. 

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Let's Connect

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ROSEMARY CRUZ
Rosmery Cruz
Executive Director
Behavioral Data Science
Risk and Behavioral Science
RGA
Peter Hovard
Peter Hovard
Lead Behavioural Scientist 
Risk and Behavioral Science

Our Team is Here to Help

Let’s work together to create tangible, monetizable improvements with behavioral insight from RGA.  

Contact Us

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