Writing

Redesigning CI for Risk, Pricing, and Sustainability in APAC

Advances in detection, treatment, and survivorship are changing what it means to be critically ill. As diagnoses rise and treatment pathways evolve, insurers face a fundamental challenge: ensuring CI products remain affordable, relevant, and sustainable over time.

In this article, RGA’s Wilfred Tung and Ryan Hultzer explore how actuaries can help redesign CI products to better align benefits with financial need while supporting long-term portfolio sustainability.

Brewed for Speed and Simplicity: Simplified issue, to go

Simplified issue is not about asking fewer questions, but about designing the right questions and product structures to expand access while maintaining disciplined risk management.

By reducing friction, simplified issue unlocks growth through broader market reach, faster conversions, and the ability to offer protection at high‑attention moments in embedded and digital journeys.

The most successful simplified issue strategies start with a clear growth objective and align underwriting, pricing, product design, and distribution to serve specific underserved segments.

Select, Detect, Protect: How insurers can navigate the med tech world

A structured framework to help insurers evaluate and implement medical technology solutions aligned with specific business objectives.

RGA Asia Seniors Survey: Asia's booming senior market awaits tailored insurance solutions

Key findings on insurance needs and gaps for elderly consumers across Hong Kong, mainland China, and Taiwan.

Choosing an annuity for retirement – which one is 'just right'?

A guide to life annuities, living annuities, and blended annuities for retirement income planning.