content_image/131779.jpg content_image/131780.jpg
<img src='content_image/131779.jpg'>

<img src='content_image/131780.jpg'>

## NORTH AMERICA 

RGA PROVIDES CLIENTS WITH LIFE REINSURANCE, RISK MANAGEMENT, FACULTATIVE UNDERWRITING, PRODUCT DEVELOPMENT AND DISTRIBUTION, AND CAPITAL-MOTIVATED REINSURANCE SERVICES. RGA IS THE PREMIER FACULTATIVE REINSURER IN NORTH AMERICA AND HAS THE EXPERTISE AND CAPACITY TO HELP CLIENTS WORLDWIDE SOLVE PROBLEMS ASSOCIATED WITH IMPAIRED RISK AND LARGE CASES. THE COMPANY’S NORTH AMERICA OPERATIONS CONSIST OF OFFICES IN THE UNITED STATES, CANADA AND MEXICO, WHICH TOGETHER ACCOUNT FOR MORE THAN 75 PERCENT OF RGA’S NET PREMIUMS. NORTH AMERICA IS ALSO HOME TO RGA FINANCIAL MARKET S, RGA TECHNOLOGY PARTNERS, AND THE DISTRIBUTION SOLUTIONS AND E’REINSURANCE SOL UTIONS UNITS. RGA PROFESSIONALS IN NORTH AMERICA HAVE A LONG HISTORY OF PROVIDING RELIABILITY TO THE LIFE INSURANCE MARKET. 

## U.S. Traditional Mortality Reinsurance 

Two thousand three was one of the largest new business production years on record for RGA’s U.S. traditional mortality reinsurance operation, with approximately $136 billion in new business generated. Perhaps even more impressive is the fact that this milestone was met exclusive of business generated through RGA’s assumption of the traditional life reinsurance business of Allianz Life Insurance Company of North America. That transaction, which RGA completed in December, added more than $275 billion of in force life reinsurance to RGA’s book of business. 

## UNITED ST ATES 

Mortality-risk reinsurance—removing some of the major risks associated with life insurance from the client company—is RGA’s core business. A significant aspect of this business is facultative underwriting, the process of underwriting applications individually, and is one of the things RGA does best. In 2003 the U.S. Division successfully defended its position as the largest facultative life reinsurer in light of an influx of new automated underwriting programs aimed at mildly impaired insureds—RGA’s most profitable facultative business. 

