Life, Accident, and Disability
Value-Added Services

PARTNERINGWITH OURCLIENTS TO
MAXIMIZEOPPORTUNITIESPremier Services
At RGA, client-centricity is at the heart of everything we do. One way wedeliver on our commitment to your success is through the value-added
services you can access as an RGA client. In this document, we’ve outlined
what those services are, and together, we can determine which of theseofferings will deliver the most impact for your business.

EXCLUSIVE REPORTS

Quarterly Earnings Summary

This industry-leading publication from RGA is a compilation of quarterly earnings
information from the top 10-15 group life, disability, and worksite carriers. RGAcompiles data from earnings calls, 10-Qs, 10-Ks, and financial supplements, among
other sources. We then analyze this information to identify themes and unearth
findings to deliver powerful insights that can be leveraged by our clients forbenchmarking and business planning purposes.

INDUSTRY RESEARCH

Surveys and Benchmarking

With decades of group insurance experience, the RGA Market Research team serves
as an extension of your company. Our research experts help you uncover criticalinsights and deliver in-depth answers to help your team deepen their understandingof the market, various sectors, and functional areas, such as claims, underwriting,product development, and more. By tapping into our competencies in benchmarking,market and industry research, best practice and guideline development, and industry
and market profiling, you’ll get customized information that enables you to take action.

Premier Services
UNMATCHED EXPERTISE

Complex Case Underwriting and Consultation

RGA is synonymous with underwriting expertise and for good reason. Our team ofgroup life and disability underwriters averages 20 years of industry experience inunique and complex risk cases. We review more than 1,500 cases per year, respondto inquiries within one business day, and maintain a client approval rating above 94%.
As such, you can expect a quick and clear response from our underwriters who will
provide expert consultation on even the most challenging of cases.

Complex Disability Claims Management and Consultation

Some disability claims can be downright puzzling and costly. RGA’s group claims
consultants are experts in managing complex, long-term disability claims to a positiveoutcome. Whether you’re struggling with a pending, active, or mature claim, ourconsultants draw upon their many years of experience in working with challenging
cases to assist you in developing an effective approach to resolution.

COMPETITIVE ADVANTAGE

Exclusive Predictive Insights Tools

Group RiskDimensions® is a suite of solutions offered exclusively by RGA that
identifies different dimensions of insurance risk, ranging from medical to behavioral.
The flagship Group RiskDimensions solutions, MedScore® and TransUnion TrueRisk®
Life Group, provide our group carrier clients a consistent, compatible set of predictive
tools that, when used separately or in combination, deliver powerful pricing andunderwriting insights.

Advanced Analytics, Market Intelligence,and Competitive Insights
As a global reinsurer, RGA has an unparalleled view across geographies, lines ofinsurance, sources of evidence, and best practices. Our clients benefit from ourperspective and insights, which, when coupled with RGA’s progressive techniques
and tools, reveals deep insights and enables us to help with business projections
and go-forward recommendations. Ultimately, our clients are equipped with anunderstanding of how their rates and practices compare to the industry andknowledge on ways to be even more competitive.
Industry Trends and Hot Topics
Engage in discussions about emerging
experiences, new industry studies,
product trends, and late-breaking
industry matters
Pricing
Perform actuarial review of rates,
assumptions, and industry benchmarks

Valuation
Review methods, assumptions, and bestpractices
Risk Concentration
Conduct mapping exercises, scenario
analyses, and reporting on geographic
concentrations within a carrier’s grouplife blockGroup Risk Dimensions
TransUnion TrueRisk® Life Group is acredit-based behavioral index that ispredictive of group mortality and morbidity
experience. Validated and marketed
exclusively by RGA, TransUnion TrueRisk®
Life Group helps carriers get more value
from existing underwriting information by
combining it with insights derived from thebehavioral side of risk.
MedScore® is a risk assessment tool forgroup business that combines the predictive
power of prescription drug (Rx) and digital
health data (DHD) in a single score.
The complementary nature of these two data
sources (behavioral plus medical) when usedtogether, gives carriers a powerful tool for identifying
groups with the greatest potential to deviatematerially from the pricing basis. Equipped with thisknowledge, a carrier can use the scores from these
two tools to refine pricing, triage new opportunities,
or modify benefits or rate guarantee offerings.

Interpreting a surface graph is as easy as• Find a pointon your TransUnion True Risk® LifeGroup lift curve• Find a pointon MedScore curveon your surface graph where these two• Find point
points intersect and touch the surface. This represent
the A/E when using the scores in combination, whichin this case, is lower than the individual A/E’s

Advanced Analytics, Market Intelligence,and Competitive Insights

Quarterly Earnings Summary
A detailed industry report from
RGA that outlines and analyzes thehistorical and current performanceof top group life and disability
insurers, identifying actionableinsights for our clients.

Benchmarking Studies
Get in-depth, custom reports on current market
issues impacting your business. Reports canfocus on topics such as critical illness, life
claims, disability claims, guaranteed issue/maximum, life waiver of premium, and voluntary
accident. These custom insights can also shedlight on strategic business efforts, such as
product development, open enrollment, medical
underwriting, underwriting guidelines, claims
practices, experience ratings, renewal retention
and profitability, among others.
Our consistently-scheduled benchmark studies
are well established to dive into selective topics
for comparing your company’s business practices to those of your competitors. We
deliver timely, customized information with actionable insights your team can incorporate
into your business strategy and processes.
Industry Claim Trends
Optimize operational performance by incorporating RGA expert information, trend data,and best practices in your processes, products, and utilization of resources.

Expert Solutions
for Core Strategies
In partnership with our clients, RGA delivers the expertise, innovation, andexecution excellence you require by leveraging our comprehensive portfolioof actuarial, underwriting, claims, and research services.
Facultative (case-specific) consultation and risk review
Enlist dedicated RGA experts with broad groupexperience to provide creative, flexible consultation on
sub-standard industries and other unique risks typicallywithin 24 hours. Comprehensive facultative dashboards
outline the type of requests, case sizes, industries, andapproval rates.
Plan design improvements for group benefits
Get an assessment and change recommendations
based on industry best practices for benefits plan designin collaboration with RGA underwriters and claims
professionals.
Claim data analysis and focused assessment
Improve group LTD as well as life waiver of premium claim management andoutcomes.
Disability claim settlement strategies
Receive expert evaluation on settlement practices and decision-making in group LTD.
General advice and consulting
Liaise with RGA experts to obtain industry knowledge and insights on topics such as
experience rating, grandfathering, open enrollment, foreign exposure, occupation
factors, guarantee issue, maximums, and more.
Operational assessment
Perform organizational and focused assessments of claim and underwriting
procedures to identify and analyze potential risks to an organization.
Primary research
Collaborate with RGA to develop industry surveys as well as to request immediate
guidance or ad-hoc research.
Medical underwritingAccess our groundbreaking, web-based RGA Global Underwriting Manual, which
is updated continuously by our medical directors and underwriting experts who
are available daily at our facultative call desk for underwriting assistance withchallenging risks.

Knowledge andDevelopment Opportunities
RGA offers a wide range of on-demand or experiential education and training,equipping our clients to succeed in the ever-changing group insurance
market.
Conferences/Seminars
Provide opportunities for networking and development for audiences ranging fromentry-level to senior executives. This includes:• RGA Executive Leaders Forum• RGA Group Life and Disability Symposium• RGA Disability Claim Leaders Forum• RGA Regional Claims Seminar• RGA Regional Underwriting Seminar
Webcasts (live and on-demand)
Offer clients access to a wide array of topics, including:• Group underwriting, claims, and actuarial• Medical Managed Care (RGA ROSE® Consulting Group)
Workshops and training
Give clients the opportunity to learn and deepen their knowledge:• Roundtables on a variety of industry topics and trends• Real-world case study reviews• RGA Learning Gateway, our clients-only platform containing learning modules
and podcasts on timely topics

About RGA
Reinsurance Group of America, Incorporated (NYSE: RGA)
is one of the largest global providers of life and healthreinsurance and financial solutions. Ranked #222 on the2022 Fortune 500 list, RGA has approximately $3.5 trillion
of life reinsurance in force and assets of $92.2 billion as ofDecember 31, 2021. Founded in 1973, RGA is recognized forits deep technical expertise in risk and capital management,
innovative solutions, and commitment to serving its clients.
With headquarters in St. Louis, Missouri, and operations
around the world, RGA delivers expert solutions in individuallife reinsurance, individual living benefits reinsurance, groupreinsurance, health reinsurance, facultative underwriting,product development, and financial solutions. To learn more
about RGA and its businesses, visit the company’s website
at www.rgare.com.

To learn more about RGA’s value-added services,
contact your RGA representative or email theRGA Group Re Value-Added Services Team atvalueaddedservices-team@rgare.com