Closeup view of rotating gears
Articles June 2021
The Human Factor: Underwriting with Precision Calculation
Medicine never stands still; so neither can underwriting. For accurate, best-in-class risk calculation, the industry needs precise, flexible, and convenient solutions.

RGA has harnessed its global research and data science capabilities and partnered with clients ... Read More
Illustration of COVID-19 molecules
Videos May 2021
Risk Factors of COVID-19 Mortality: A Comparison Against All-Cause Mortality

Curious about ¹ú±êÂ鶹ÊÓƵAPP data science insights?  Contact us to le...

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Gap displayed with building blocks
Articles May 2021
Gatekeeper to Promise-keeper: A Fresh Look at the Familiar Problem of Life Underinsurance
The novel coronavirus has forced many of us to confront our own vulnerability to loss and to think more seriously about planning for our family’s protection, according to ¹ú±êÂ鶹ÊÓƵAPP Dr. Dave Rengachary. He calls on the industry to consider how to make insurance products more... Read More
Gowned and masked researchers at the microscope
Research and White Papers May 2021
mRNA Vaccines: Is the future now?
The global effort to develop mRNA-based vaccines for COVID-19 has greatly advanced mRNA technology and increased the speed of mRNA vaccine development, and it is likely that new mRNA vaccines for other diseases will soon emerge. Read More
A puzzle surrounding a gap labeled New Normal
Articles May 2021
Product Development in a Post-COVID-19 World

Challenges have a way of driving change. ¹ú±êÂ鶹ÊÓƵAPP Naohiro Iwamoto looks back at the pandemic year of 2020 and surveys the many ways COVID-19 has accelerated change throughout the insurance industry and beyond.

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Double exposure of a female face superimposed over sun breaking through clouds
Articles May 2021
Pandemic Fatigue and Greater Awareness of the Importance of Mental Wellbeing

Could anxiety and uncertainty fuelled by an ongoing pandemic lead to a mental health crisis? ¹ú±êÂ鶹ÊÓƵAPP Enrique Ruiz, Managing Director of Spain and Portugal, explores this question in

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Articles May 2021
Current Trends in Gestational Diabetes Mellitus

The global burden of gestational diabetes mellitus (GDM) is on the rise alongside increases in obesity and changing lifestyles. In ReFlections, ¹ú±êÂ鶹ÊÓƵAPP Dr. Reema Nathwani Jani explores the history, complications, management, and long-term outcomes of GDM on ma...

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MRI of lung cancer nodules
Articles May 2021
Demystifying Risk Stratification of Pulmonary and Thyroid Nodules
Underwriting pulmonary and thyroid nodules has always been a distinct challenge. In a two-part article for ReFlections, ¹ú±êÂ鶹ÊÓƵAPP Sandeepan Basu seeks to simplify the underwriting challenges associated with both types of nodules by identifying factors to ... Read More
Biohazard lab workbench
Articles May 2021
Brief Report: Gene and Cell Therapies

Rapid advances in medical science’s understanding of the human genome have led to the recent development of novel gene-based therapeutic strategies. In ReFlections, ¹ú±êÂ鶹ÊÓƵAPP Dr.Dan Zimmerman defines gene and cell therapies and provides insights into these rapid...

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Quantified wearables
Articles May 2021
Rethinking Health Insurance with Wearable Data

Insurance-linked wellness reward programs can too often fail to pay for themselves, and data from wearable devices is not yet widely or confidently used in underwriting risk assessment. ¹ú±êÂ鶹ÊÓƵAPP Raajeev Bhayana explores the relationships between wearable data and health...

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Publications May 2021
ReFlections Volume 53, May 2021
In this issue, explore topics from demystifying pulmonary and thyroid nodules to current trends in gestational diabetes and gene therapy. 
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Image of needle being inserted into an arm
Articles April 2021
Worth a Shot: An Industry Case for Vaccination
Long before the current pandemic, vaccines have proven to be historical game-changers in the prevention of infectious diseases. RGA sat down with Senior Vice President and Head of Global Medical Dr. Daniel Zimmerman and Global Medical Researcher Hilary Henly to discuss ... Read More
Explanation of medical benefits documentation
Articles April 2021
Growing Pains? Balancing Opportunity and Options in the Health Markets of the Middle East

After a torrid compound annual growth rate of 43% since 2013, the Middle East health insurance market is experiencing growing pains, including challenges to sustainability and profitability. A new survey from RGA identifies causes and solutions.

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Colon cancer physician consultation
Articles April 2021
Diagnosis – Colon Cancer: Five Personal Lessons from an Underwriter and Survivor ​​

Cancer is an abstract idea in underwriting, until it happens to the underwriter. Get a candid and highly personal perspective, which was first offered at the AHOU 2021 Annual Conference.  

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Individual holding cannibis
Videos April 2021
Cannabis - A New Era

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

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Image of knowledge worker with superimposed data over a device
Articles April 2021
Is Information, Not Data, Power? Why Cryptography Can Help Fight Insurance Fraud

Carriers seeking to detect fraud confront a troubling irony: The very techniques that could do the most to minimize fraud, such as pooling data from applicants throughout the industry, may maximize other risks. Regulatory frameworks prohibit such data sha...

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Worker taking short term gig
Articles April 2021
COVID-19 and the Growing Importance of Gig Workers
The freelance – or gig – economy is booming, but the flexibility of job-to-job work can come at a cost; the self-employed are increasingly underinsured and financially insecure. ¹ú±êÂ鶹ÊÓƵAPP Diana Bosworth explains how an array of incumbent insurers and new insurtech entrants ... Read More
Female runner clambers up steps
Articles March 2021
Can Combining Technologies and Behavioral Science Improve the Life Insurance Value Proposition?
What if technology and behavioral science could work together to help all of us live healthier, longer lives? The impact could be transformative, argues Emmanuel Djengue of RGAX and Eric Gaubert of RGA France.

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Multigenerational hands clustered around newborn's feet
Articles March 2021
The Power of Focus: A Case for Collective Action to Bridge the Coverage Gap
For ¹ú±êÂ鶹ÊÓƵAPP Ron Herrmann, COVID-19 demonstrated, as nothing else could, the importance of what carriers do to protect lives and livelihoods. He calls on the industry to band together to raise awareness about the value of life insurance and address America’s steadily ... Read More
Articles March 2021
COVID-19 Brief: What influences consumer behavior more – revolutionary tech or tried-and-true ideas?
When faced with operational challenges most organizations will demonstrate a bias towards new technologies. The past year’s COVID-19 pandemic is showing that finding ways to increase adoption of existing solutions may be just as, if not more, effective in influencing co... Read More