RGAX
Transforming the future of life insurance through innovation, technology, and strategic partnerships.
Overview
RGAX is the transformation and innovation subsidiary of RGA (Reinsurance Group of America), one of the world's leading life and health reinsurers. Established in 2015 as RGA's innovation engine, RGAX develops next-generation life insurance products, automated underwriting platforms, and digital distribution capabilities -- both for use by carriers and as commercial software products.
RGAX operates across two complementary tracks: developing proprietary SaaS underwriting technology (AURA NEXT, UnderwritingPal) and incubating new insurance products and ventures (Greenhouse Life Insurance, APIL). With offices across North America, EMEA, and Asia-Pacific, RGAX brings together RGA's deep actuarial expertise with modern software engineering to help carriers modernize their new business processes and expand life insurance access.
In recent years RGAX's innovation brand has been progressively integrated back into the broader RGA enterprise, though it remains the vehicle through which RGA brings commercial technology products to market.
Products & Services
AURA NEXT
A SaaS-based automated underwriting decision management platform for life insurers. AURA NEXT combines RGA's underwriting expertise and predictive analytics with advanced rule-set management to deliver consistent, accelerated underwriting decisions at the point of sale.
Key Features
- Reflexive interview questions adapting dynamically to applicant responses
- Integration with industry-standard evidence sources and electronic health records
- Predictive model integration and multivariate decisioning
- Configurable rule sets shared across distribution channels
- Data visualization and KPI dashboards for underwriting performance
- SOC 2 Type II certified (completed March 2021)
Target Users: Life insurance carriers, reinsurers
UnderwritingPal (UWPal)
An affordable, white-labeled cloud-based automated underwriting solution designed for insurers with limited in-house underwriting or technical resources. UWPal uses behavioral science and RGA's medical expertise to deliver mobile-friendly, scalable digital underwriting.
Key Features
- SaaS delivery with white-label branding options
- Behavioral science-informed question flows
- Regular rule updates incorporating latest medical insights
- API integration with third-party platforms (e.g., OPAL IS Pandora platform)
- Supports direct-to-consumer and advisor-mediated distribution
Target Users: Smaller carriers, digital insurers, protection platforms
Innovation and Incubation Services
RGAX partners with carriers, distributors, insurtechs, and fintechs to co-develop new products and business models across the life insurance value chain.
Key Features
- Concept incubation from ideation through market launch
- Access to RGA's global actuarial, data, and underwriting expertise
- Investment and venture support for early-stage insurtechs
- Go-to-market strategy and distribution partnerships
Target Users: Carriers, insurtechs, fintech companies
Greenhouse Life Insurance
RGAX's direct-to-consumer life insurance subsidiary. Greenhouse offers digital life insurance products and serves as a proving ground for RGAX's technology and distribution innovations.
Key Features
- Digital-first life insurance application process
- Powered by Socotra policy administration system
- Accelerated underwriting via AURA NEXT
Target Users: Individual consumers seeking life insurance
At a Glance
- Founded
- 2015
- Headquarters
- Chesterfield, Missouri
- Employees
- 51-200
- Funding
- Corporate
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- Automated Underwriting Underwriting Decision Management Life Insurance Innovation Distribution Technology
- Insurance Verticals
- Life & Annuity Reinsurance
- Target Customers
- Carriers, Reinsurers
Customers
- Hexure (FireLight platform) -- integrated AURA NEXT for point-of-sale underwriting decisions
- OPAL IS -- integrated UnderwritingPal via Pandora platform (UK/Ireland)
- Mutual of Omaha -- blockchain reinsurance proof of concept
- Covea / Direct Life -- Plan V Care product launch partnership
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Last updated: 2026-06-05