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Smarter market moves start here
Competitive Advantages
Global Diversification and Scale: RGA operates across numerous international markets, providing a broad geographic spread of risk and access to diverse economic environments, which mitigates concentration risk and enhances growth opportunities.
Deep Actuarial and Underwriting Expertise: The company possesses specialized knowledge and extensive experience in assessing, pricing, and managing complex life, health, and longevity risks, allowing for sophisticated risk assumption and innovative solutions.
Robust Financial Strength and Capitalization: RGA maintains strong credit ratings and a solid capital base, assuring ceding companies of its ability to meet long-term obligations and providing a stable partner for large and complex treaties.
Risks
Increased Mortality/Morbidity Claims: If actual mortality rates or morbidity claims exceed actuarial assumptions, it could significantly impact profitability and capital.
Interest Rate Fluctuations: Changes in interest rates can negatively affect the value of RGA's investment portfolio, the profitability of new business, and the valuation of liabilities.
Investment Portfolio Performance: Adverse movements in financial markets, defaults on invested assets, or a decline in credit quality of counterparties could impair RGA's investment returns and capital.
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