Better Health for All

RGA demonstrates a strong commitment to mental health, initiating a Mental Health Campaign in 2024

, adapting underwriting guidelines , evolving claims practices , and providing toolkits and research to improve mental health coverage and management across the insurance industry . The company also exhibits revolutionary data practices, being the first reinsurer to receive regulatory approval for controller and processor Binding Corporate Rules (BCRs) after GDPR in 2018 , never selling personal data , and depersonalizing datasets . Through its health reinsurance services, RGA indirectly contributes to health outcomes by supporting clients in developing products for seniors (cancer, hospitalization) , women's health , and children with developmental disorders . RGA also made a $1.5 million donation to COVID-19 relief efforts, specifically targeting healthcare professionals and frontline workers . Furthermore, RGA funds research grants through the Longer Life Foundation, ensuring all research results are publicly available .

Fair Money & Economic Opportunity

RGA is a reinsurance company, providing insurance to other insurance companies, rather than directly to consumers.

Consequently, many of the KPIs related to direct consumer financial services are not applicable. The company does not offer consumer lending or deposit services, consumer credit products, or debt products, making KPIs such as underserved client share, pricing fairness, exploitative fee exposure, debt burden ratio, and fair lending compliance irrelevant to its direct operations. Similarly, RGA does not operate consumer financial service access points (geographic inclusion) or offer consumer financial products requiring public disclosure and explanation (product simplicity). While RGA supports various inclusion and financial literacy initiatives, the provided evidence does not include quantitative data on the share of its reinsurance book aimed at low-income or micro-segments, nor does it provide measurable reach and outcomes for consumer financial literacy programs. Additionally, the necessary pre-tax profit figure to calculate the percentage of profit reinvested in community finance is not available.

Fair Pay & Worker Respect

For the 2024 fiscal year, RGA's CEO pay ratio was 76:1.

The company reported a three-year average annual voluntary attrition rate of 6.3% globally as of December 31, 2024.

Fair Trade & Ethical Sourcing

RGA.US is a global life and health reinsurance company, primarily providing financial solutions. As such, its core business does not involve the procurement or trade of physical commodities or high-risk materials. Therefore, the KPIs related to fair-trade certified spend and high-risk materials are scored as N/A. For all other KPIs, including audit frequency, forced/child labor incidents, traceability coverage, remediation speed, ethical clause coverage, and supplier diversity spend, the provided articles explicitly state that the information is 'Not specified in the report'

or 'Not mentioned', thus no evidence is available to assign a score.

Honest & Fair Business

RGA has a Global Bribery and Corruption Policy, managed by the vice president of Global Compliance and Fraud, which prohibits improper payments, facilitation payments, bribes, and other improper conduct

. This policy requires adherence to laws including the U.S. Foreign Corrupt Practices Act (FCPA) and the U.K. Bribery Act of 2010 . The Board’s Audit Committee oversees these efforts , and annual fraud risk assessments are performed . The company also has a Vendor Code of Conduct requiring third-party due diligence . In 2024, 100% of required employees completed mandatory ethics and compliance training . Gifts or travel/lodging expenses exceeding $250 USD per person for commercial partners require pre-approval . RGA maintains a global Speak-Up Policy, effective December 2024 , which is reviewed every two years . This policy applies to all workforce members, interns, employment applicants, and parties with current or prior relationships . It includes a 24/7 third-party managed hotline for anonymous and confidential reporting , and retaliation is prohibited . However, the effectiveness of this program is not publicly measured.

Planet-Friendly Business

RGA aims to achieve net-zero Scope 1 and 2 greenhouse gas emissions by the end of 2025, an update from its original 2026 target.

The company aligns its reporting and risk management with the Task Force on Climate-Related Financial Disclosures (TCFD) framework and performed a climate scenario assessment in 2023, enhanced in 2024, using International Energy Agency scenarios. RGA is starting to tilt its portfolio away from transition laggards to manage climate-related asset risks. The company offsets 80% of its 2023 Scope 1 and 2 emissions using verified, high-quality carbon offsets with independent third-party verification. Approximately 59% of RGA's on-site employees work in LEED or WELL-certified buildings. RGA's total Scope 1, 2 (location-based), and 3 (air travel only) emissions for 2024 were 22,487 mtCO2e, an increase from 20,306 mtCO2e in 2023. The company has not stated SBTi-validated targets for carbon reduction.

Respect for Cultures & Communities

RGA has 13 formal partnerships with community groups, including CarePay, Junior Achievement, and United Way.

The company donated approximately $3.9 million to community organizations globally in 2024, which represents about 0.02% of its 2023 total revenue. No cultural appropriation incidents have been reported. A Speak-Up Hotline is available 24/7 for anonymous reporting of potential misconduct by employees and other interested parties. Cultural impact assessment protocols, FPIC processes, cultural site protection, and social license to operate are not applicable to RGA's business model as a reinsurance company. The company's charitable giving focuses on general community support without a specific emphasis on cultural heritage organizations. No specific cultural incident response framework is mentioned.

Safe & Smart Tech

RGA experienced a cybersecurity incident on October 15, 2023, where an unauthorized third party gained access to certain technology systems.

The company disclosed this incident on October 26, 2023. RGA stated that it does not believe client policy holder data was accessed or extracted, and there was no evidence of encryption or ransomware. Following the incident, RGA notified insurance regulatory authorities and law enforcement.

Zero Waste & Sustainable Products

RGA has implemented several waste reduction initiatives. In 2022, 13 tons of electronics were diverted from landfills, and in 2024, 14,520 pounds of electronics were diverted.

The company is committed to decreasing contamination in its recycling programs by adding signage to bins and encouraging staff to avoid hard-to-recycle materials. RGA also implements reusable alternatives across the workplace, such as coffee mugs, plates, cups, and utensils, and is reducing single-use items like takeaway coffee cups and plastic water bottles. Additionally, RGA has conducted park cleanups and waste removal efforts in St. Louis and Seoul.