Articles September 2021
Serving the People behind the Policies
¹ú±êÂ鶹ÊÓƵAPP Tina Paap and Terence Leong argue that people will always have an edge over machines in connecting and working with other people. Developing and deepening the skills to make that connection possible will enable insurers to meet consumers where they are, design bet... Read More
Image of mobile device with stethoscope
Articles September 2021
Artificial Intelligence and Health Insurance

Artificial Intelligence (AI) applications are being used to detect high-risk conditions, in surgery and to improve customer healthcare. In the 

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Children gazing out of window on lockdown
Articles September 2021
Children’s Mental Health and COVID-19: Return to School May Not Mean Return to Normal
Students returning to in-person learning after months of lockdowns face a new set of mental health challenges that only compound COVID-19’s existing toll. ¹ú±êÂ鶹ÊÓƵAPP Diana Bosworth discusses the important role life and health insurers have to play in addressing this issue.&n... Read More
Needle in a haystack illustration
Articles September 2021
A Needle in a Haystack: How Can Underwriters Effectively Use Alternative Data Sources to Streamline Risk Analysis?

As insurers shift to incorporate new and alternative data sources, underwriters are taking on more specialized skills. In On the Risk, RGA data strategist Jordan Durlester and underwriter Jacqueline Waas&...

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Mortality hourglass
Articles September 2021
COVID-19 Brief: Expect the Unexpected

In July 2021, the CDC grabbed headlines when it announced that life expectancy in the U.S. had fallen from 78.8 years in 2019 to 77.3 years in 2020, the largest one-year drop since World War II. But what does that mean for life insurers? 

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Wellness research: Image of male exerciser on a track
Videos September 2021
Getting Fit and Future-Ready
Curious about RGA’s global survey results?  Read More
Lock superimposed over data representing protection and security
Articles September 2021
Insurance Fraud and COVID-19
RGA fraud experts from a range of disciplines share their insights on the ever-evolving COVID-19 crisis and its impact on life and health insurance fraud. 

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Articles September 2021
One Size Doesn’t Fit All: What Can Behavioral Science Tell Us About Designing Attractive Wellness Programs?
To innovate, insurers must marry a deeper understanding of how consumers make decisions with sophisticated product development based on the principles of behavioral science. ¹ú±êÂ鶹ÊÓƵAPP customer research in Asia reveals surprising insights about the most successful insur... Read More
Articles September 2021
Pharmacogenomics: The Future of Precision Medicine

¹ú±êÂ鶹ÊÓƵAPP Hilary Henly, FCII, Global Medical Researcher, reviews pharmacogenomics, a fast-expanding and vitally important component in the field of precision medicine, in ReFlections. She makes the case that if genomic information is routinely available in a per...

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image of multiple sclerosis
Articles September 2021
New Treatment Paradigms in the Management of Multiple Sclerosis
It's an exciting time in the evolution of the understanding and management of multiple sclerosis. In this issue of ReFlections, Dr. Heather Lund, Regional Chief Medical Officer, Asia, offers an extensive and detailed piece providing much of the latest research ... Read More
Image of gowned and masked medical researcher operating a data screen showing COVID-19
Research and White Papers September 2021
Mortality and Morbidity Modeling Considerations under COVID-19

As the world continues to battle COVID-19 and emerging variants of the SARS-CoV-2 virus, the life and health insurance industry finds itself both reviewing lessons learned and preparing for what will happen next. (Re)insurers’ ability to estimate COVID-19’s current a...

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Product development with airport commuter
Articles September 2021
What’s Next? - Life and Health Insurance Product Development Beyond COVID-19
The long-term impacts of the COVID-19 pandemic on product innovation and development strategies are yet to be determined, but ¹ú±êÂ鶹ÊÓƵAPP Dan Lyons suggests that a few major changes may remain and even become more common.
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Publications September 2021
ReFlections Volume 54, September 2021
Review reactive thrombocytosis, explore multiple sclerosis, and understand pharmacogenomics in this issue.


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Two retirees relax on beach chairs
Articles August 2021
How Insurers Can Improve Retirement Readiness and Financial Wellness in the Time of COVID-19
Retirees need the reassurance a steady stream of income provides, argues ¹ú±êÂ鶹ÊÓƵAPP Diana Bosworth. She tours an increasingly vibrant product development landscape oriented around encouraging financial wellness in retirement.  Read More
Closeup on eye with data representing RASCL
Articles August 2021
Out of Sight, Out of Mind? Digitalizing the Future of Claims
Research shows that timely, efficient, accurate, and fair claims settlements can strengthen the customer relationship in profound ways. On the other hand, underinvestment in claims can result in real reputational damage. RGA makes the case for claims innovation.  Read More
Videos August 2021
Eldercare and Aging – Insights and Opportunities

Curious about ¹ú±êÂ鶹ÊÓƵAPP medical insights?  Contact us to learn m...

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Busy chinese commerical street
Articles August 2021
Health Insurance in China: Evolving Challenges and ¹ú±êÂ鶹ÊÓƵAPP

China is committed to making quality healthcare affordable and accessible to its residents, however it faces substantial challenges. ¹ú±êÂ鶹ÊÓƵAPP Dipali Jawalkar provides an overview of China's health infrastructure, technology's impact on insurance product innovation,...

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distribution and superimposed icons over laptop
Articles July 2021
COVID-19 Pandemic Accelerates Convergence in Insurance Distribution
How will the COVID-19 pandemic impact life and health insurance distribution and sales in the long term? Peter Rodes and Eva Goldstein of RGAX, the transformation engine of RGA, discuss the key drivers of insurance's accelerated convergence. Read More