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RGA Partnership

RGA Partnership

Enhance Your Underwriting Efficiency with Brokers Central and RGA's Exclusive Collaboration.

Brokers Central and RGA have teamed up to streamline the underwriting process for our financial advisors, providing exclusive access to the expertise and resources of the world’s leading facultative reinsurer. This program enables direct collaboration with RGA to secure competitive offers on impaired risk cases, leveraging RGA’s specialized underwriting niches to boost case placement success. By participating in this program, Brokers Central Financial Advisors can benefit from a more efficient, modernized underwriting journey designed to improve turnaround times and enhance case outcomes.

Case Parameters

  • Eligible Face Amounts: $500,000 - $10 Million
  • Eligible Ages: Up to age 80
  • Submission Option 1: Brokers Central submits the informal directly to RGA for underwriting assessment.
  • Submission Option 2: Brokers Central submits the informal to the applicable participating carrier first, and an offer is made. Brokers Central may then submit the case to RGA for underwriting assessment and potential offer improvement.
  • When your RGA offer is submitted to the carrier of your choice, the carrier may underwrite to try to improve the offer.
  • All cases are subject to the carrier’s underwriting guidelines and requirements.

This program is an excellent option for participating carriers who do not review applications on an informal basis.

Participating Carriers

cincinnati
mass mutual
nationwide
protective
prudential
securens financial
securens mutual life

Carrier-Specific Case Parameters

Download the RGA Facultative Partnership Products

Carrier

Products Available through the RGA Facultative Partnership
Cincinnati Life

Termsetter, Termsetter ROP, Heritage UL, Lifesetter Flex UL (GUL), Guaranteed Whole Life (Level Pay, Ten Pay, and Paid up at 65), Luxe Legacy GUL
Columbus Life

Explorer Plus UL, Voyager UL, Indexed Explorer Now UL, Indexed Explorer Plus UL, Expedition SIUL
Mass Mutual

All term, FlexLife, PeakLife, SummitLife, Survivor Life, Basic Secure UL
Nationwide

IUL Accumulator II 2020, IUL Protector II 2020, YourLife IUL Accumulator, YourLife IUL Protector, No-Lapse GUL II, Guaranteed Level Term, VUL Accumulator, VUL Protector II, 20-pay WL, WL 100

If they agree with RGA’s assessment Nationwide is willing to match their $10M retention to RGA’s $10M for a total of $20M for all products other than term and whole life.

  • Nationwide's term insurance retention is limited to $2.5M; Nationwide can partner with RGA up to $12.5M.
  • Nationwide's whole life insurance retention is limited to $5M; Nationwide can partner with RGA up to $15M.

CareMatters and Nationwide's Survivorship series are NOT Included.
Principal SUL Provider, UL Accumulation II, UL Flex III, UL Provider Edge II, IUL, IUL Accumulation, IUL Accumulation II v2, IUL Flex II
Protective Lifetime Assurance UL, Indexed Choice UL, Strategic Objective VUL, Lifetime Advantage UL
Prudential

All Term Products only

  • Eligible Face Amounts: $3,000,001 to $10 Million
Securian All Products
Security Mutual Life Term and Whole

Additional Brokers Central - RGA Partnership Resources

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