How to Apply to Reinsurance Group of America

11 min read Last updated April 20, 2026 2 open positions
Blake Crosley
Blake Crosley Researched using publicly available information, hiring data, and ATS analysis.

Key Takeaways

  • RGA is the world's largest dedicated life and health reinsurer, headquartered in Chesterfield, Missouri, with around 4,000 employees and approximately $22 billion in 2024 revenue.
  • The careers site is at www.rgarecareers.com and is built on Phenom People, not Workday. Upload a clean text-extractable PDF, verify the parsed fields, and use the Search with Resume feature.
  • Tony Cheng, formerly head of Asia, became CEO in 2024, accelerating investment in retirement reinsurance, longevity transactions, and Asia-Pacific growth.
  • Actuarial is the flagship discipline. The Society of Actuaries FSA designation is the gold standard credential, and RGA's exam support is industry-leading.
  • Hiring is also active in data science and AI, technology, underwriting, biometric R&D, investments, legal, and finance, both in Chesterfield and across global hubs.
  • Interviews are warm but technically rigorous. Expect why-RGA, deep technical, and cultural-fit questions to be weighted independently across multiple panelists.
  • Candidates win by speaking the actual language of life reinsurance (treaties, cedants, mortality basis, longevity, PRT) rather than generic insurance vocabulary.
  • Avoid mass applications. RGA recruiters notice and screen out blanket applicants who target unrelated tracks in the same week.
  • Long tenure, intellectual honesty, and low-ego collaboration are real cultural gates. Strong technical answers delivered with arrogance routinely lose offers.
  • International experience and language skills (especially Japanese, Mandarin, Cantonese, Korean) are increasingly differentiating under the Cheng-era strategy.

About Reinsurance Group of America

Reinsurance Group of America, Incorporated (NYSE: RGA) is the world's largest dedicated life and health reinsurer and one of the few publicly traded pure-play life reinsurance carriers on the planet. Headquartered at 16600 Swingley Ridge Road in Chesterfield, Missouri, just outside St. Louis, RGA reported approximately $22 billion in 2024 revenue and employs roughly 4,000 people across operations spanning the United States, Canada, Latin America, the United Kingdom and Ireland, Continental Europe, the Middle East and Africa, Asia (including Japan, Hong Kong, Mainland China, South Korea, Taiwan, and Southeast Asia), and Australia. The company traces its roots to the reinsurance department of General American Life Insurance Company, was spun out as RGA in 1973, went public in 1993, and now sits comfortably inside the S&P 500. It cedes risk for hundreds of primary life insurers, owns a fast-growing global pension risk transfer (PRT) franchise, and runs one of the most respected actuarial research operations in the entire industry. In 2024 the board appointed Tony Cheng, the long-running head of RGA's Asia operations, as President and Chief Executive Officer, signaling a strategic tilt toward the high-growth Asia-Pacific savings and longevity markets that he built into a flagship region. RGA is fundamentally a B2B company. Most candidates have never heard of it before they apply, which is precisely why hiring managers respond so warmly to applicants who have actually done the homework. If you understand that RGA does not sell policies to consumers, that its real customers are chief actuaries and chief risk officers at carriers like Prudential, MetLife, Manulife, Dai-ichi Life, and Allianz, and that its product is essentially capital, expertise, and longevity science, you will already stand out from the majority of the funnel. RGA is famously actuarial-heavy. The Society of Actuaries Fellowship (FSA) is treated as the flagship credential, and the company funds, mentors, and promotes around its actuarial pipeline more aggressively than almost any other employer in North American life insurance. That said, RGA has also been hiring deliberately into data science, AI and emerging analytics, technology, biometric R&D, investments, legal, finance, and corporate functions out of Chesterfield and its global hubs, and a meaningful share of new openings now sit outside the actuarial track. Recent context worth knowing before you interview: Cheng's elevation has accelerated investment in retirement reinsurance and longevity transactions, the Australian Prudential Regulation Authority (APRA) has publicly scrutinized life reinsurance arrangements in that market, and the company has continued to expand its PRT capacity in the UK and US. None of this makes the technical bar lower. RGA is a quietly demanding place to work, with a reputation for being collegial, respectful, and intellectually honest, but unforgiving about sloppy thinking on long-tail risk.

Application Process

  1. 1
    Start at www

    Start at www.rgarecareers.com (the rgare.com careers link redirects here). The site is powered by Phenom People, the same talent platform used by many large enterprises including Lowe's, Thermo Fisher, and other Fortune 500 employers. Browse openings under Search Results and filter by Category, Country, State / Province, Job Type, and Worker Type. Categories include Actuarial, Underwriting, Claims and Administration, Data Science, Finance, Investments, Legal, Risk Management, Technology, Business Development, Human Resources, Project Management, and Executive Leadership.

  2. 2
    Create a candidate account using the Candidate Home Login

    Create a candidate account using the Candidate Home Login. Phenom uses your email as the unique identifier and lets you upload a resume that auto-parses experience, education, and skills into the application form. Verify every parsed field carefully. ATS parsing routinely truncates job titles, mangles bullet formatting, and drops dates. RGA recruiters review the parsed view, not your PDF.

  3. 3
    Use the Search with Resume feature to surface roles that match your background

    Use the Search with Resume feature to surface roles that match your background. Phenom's matching engine reads your uploaded resume and ranks open jobs by skill overlap. This is genuinely useful for actuaries and technologists with non-obvious credential combinations, for example a PhD in biostatistics looking at biometric R&D roles.

  4. 4
    Submit a tailored application for each role

    Submit a tailored application for each role. Do not mass-apply. RGA recruiters are explicit that they read your resume against the specific job description, and they have a long memory for candidates who blanket-apply across unrelated tracks (actuarial, legal, claims) in the same week.

  5. 5
    Expect a recruiter screen within one to three weeks for posted roles, longer for

    Expect a recruiter screen within one to three weeks for posted roles, longer for niche actuarial or investments openings. The first conversation is usually 20 to 30 minutes by phone or Microsoft Teams and covers your motivation for life reinsurance specifically (not just insurance broadly), your credential progress (FSA exam track, CFA level, bar admission), and basic logistics around location and work authorization.

  6. 6
    Move into a hiring manager interview

    Move into a hiring manager interview. For most professional roles this is a 45 to 60 minute conversation focused on your technical background and your understanding of the function. For actuarial candidates this includes exam strategy, choice of FSA track, and your view on the pricing or valuation problems your future team owns.

  7. 7
    Complete the technical or panel round

    Complete the technical or panel round. Actuarial candidates can expect a structured technical interview that may include reserving methodology, pricing assumptions, mortality basis discussion, or a take-home case. Data science candidates often get a working session on a survival analysis or generalized linear model problem grounded in mortality or morbidity data. Technology candidates see a mix of system design, code review, and behavioral panels.

  8. 8
    Final round is typically an on-site or full-day virtual loop in Chesterfield (or

    Final round is typically an on-site or full-day virtual loop in Chesterfield (or the relevant regional hub: London for EMEA, Sydney for APAC, Hong Kong for Asia). You will meet your direct manager, a peer, a cross-functional partner, and frequently a senior leader. Expect to repeat your why-RGA story to every panelist; they compare notes deliberately.

  9. 9
    Background check, references, and offer typically take one to three additional w

    Background check, references, and offer typically take one to three additional weeks. RGA runs standard insurance-industry background checks including criminal, credit (for finance and investments roles), education verification, and SOA or CAS membership confirmation for actuarial hires.

  10. 10
    If you are a current student or recent graduate, apply through the Students and

    If you are a current student or recent graduate, apply through the Students and Grads track on rgarecareers.com. RGA runs one of the most structured actuarial intern-to-FT pipelines in the industry, with study time, exam reimbursement, raises tied to exam progress, and rotational placement out of Chesterfield.

Resume Tips for Reinsurance Group of America

recommended

Lead with the credential RGA actually cares about

Lead with the credential RGA actually cares about. For actuarial roles that means SOA exams passed (P, FM, IFM, FAM, SRM, PA), FSA track choice and modules completed, and any FSA or ASA designation. Put exam progress at the top of your resume in a dedicated Credentials block, not buried under Education.

recommended

Use the exact category language that appears on rgarecareers

Use the exact category language that appears on rgarecareers.com. If the role is in the Underwriting category, the words underwriting, mortality assessment, medical evidence, financial underwriting, and facultative should appear naturally. If it is Investments, use private credit, structured assets, asset-liability management, and yield. The Phenom matching engine and recruiter keyword searches both reward exact-vocabulary alignment.

recommended

Quantify reinsurance-relevant impact

Quantify reinsurance-relevant impact. Vague claims do not survive a chief actuary's read. Replace 'improved pricing model' with 'rebuilt term life pricing model that reduced new business strain by 14 percent on a $1.2B face amount block.' Replace 'led project' with 'led migration of 9 million inforce policies from legacy admin to MG-ALFA, eliminating a quarterly 11-day reserving close.'

recommended

Translate carrier or consulting experience into reinsurance vocabulary if you ar

Translate carrier or consulting experience into reinsurance vocabulary if you are switching in. Direct writers think in terms of products, distribution, and inforce blocks. Reinsurers think in terms of treaties, ceded reinsurance, retrocession, biometric assumptions, and capital relief. Showing fluency in both vocabularies is a meaningful signal.

recommended

For data science and AI roles, foreground experimentation with survival analysis

For data science and AI roles, foreground experimentation with survival analysis, GLMs, gradient boosting on insurance data, and any work you have done on predictive underwriting, accelerated underwriting, lapse modeling, or longevity. The new VP, AI and Emerging Analytics function in Chesterfield is a clear signal that this discipline is being elevated.

recommended

For technology roles, be explicit about regulated-industry experience

For technology roles, be explicit about regulated-industry experience. Mention SOC 2, model risk management, change management discipline, audit trails, and any work on actuarial, policy admin, or claims platforms. Generic SaaS resumes underperform here.

recommended

Keep the resume to one page if you have under 10 years of experience and two pag

Keep the resume to one page if you have under 10 years of experience and two pages if you are above. Use a single clean serif or sans-serif font, one column, no graphics, no photo, no skill bars. The Phenom parser and the human reviewers both prefer plain, predictable structure.

recommended

Save and submit as a PDF generated from a text document, not a scanned image and

Save and submit as a PDF generated from a text document, not a scanned image and not an InDesign export. Confirm that you can copy and paste text out of your own PDF before submitting. If selectable text fails, the parser fails, and your application is effectively invisible.

recommended

If you have international experience relevant to RGA's geography, surface it

If you have international experience relevant to RGA's geography, surface it. Time on the ground in Hong Kong, Tokyo, Seoul, Sydney, London, or Toronto, and any work with regulators like the HKIA, FSA Japan, APRA, PRA, OSFI, or the NAIC is meaningfully differentiating given Tony Cheng's Asia background and the company's global footprint.

recommended

Mirror the job description's verbs and nouns once each somewhere in your resume,

Mirror the job description's verbs and nouns once each somewhere in your resume, but do not stuff. Phenom assigns a relevance score, and recruiters can see it, but they also read the resume. Stuffing reads as desperate and is a fast way to be screened out by a human.

ATS System: Phenom People

RGA's careers experience at www.rgarecareers.com is built on Phenom People, an enterprise talent experience platform widely deployed across Fortune 500 employers. Phenom serves as both the candidate-facing site (search, job matching, content recommendations, talent community) and the underlying applicant tracking workflow that recruiters use to screen, route, and disposition candidates. The system parses uploaded resumes into structured fields, matches candidates against open roles using a learned skills graph, and powers email-based job alerts.

  • Upload your resume as a PDF with selectable text. Phenom's parser performs well on clean PDFs and poorly on scanned images, image-heavy designs, or files exported from graphic design tools without proper text layers.
  • After upload, open the parsed application form and correct any field that came through wrong. Common parser failures include truncated job titles, missing months on dates, and merged employers when companies are listed back-to-back.
  • Use the Search with Resume feature on rgarecareers.com. Phenom's matching engine ranks open jobs by skill overlap with your uploaded resume and can surface roles you would not have found via keyword search.
  • Create a Job Alert with refined filters (Category, Country, Job Type) to be notified within a day of new postings. RGA fills competitive openings quickly and the first 50 strong applications often determine the shortlist.
  • Maintain one candidate profile and reuse it across applications. Creating multiple profiles with different emails fragments your history, confuses recruiters, and almost never helps.
  • Join the RGA Talent Community via the Join Talent Community link in the header. This puts you on a passive nurture list for content and role suggestions, which can lead to inbound recruiter outreach for niche actuarial, investments, and emerging analytics roles that are sometimes filled before they hit the public board.
  • Do not rely on cover letters as your primary differentiator. Phenom-based applications de-emphasize them; recruiters scan the resume first. Use the cover letter field, if present, for one tight paragraph explaining why RGA specifically and why this team.

Interview Culture

RGA interviews are conversational on the surface and rigorous underneath.

The culture is Midwestern in temperament: people are warm, direct, and unhurried, but the technical bar is quietly very high, and the company protects that bar carefully. Expect interviewers to ask why life reinsurance, why RGA, and why this team, and to compare your answers across panelists. A vague 'I want to work in insurance' answer will not survive even the recruiter screen. Strong candidates can articulate the difference between a primary writer and a reinsurer, name a treaty structure (yearly renewable term, coinsurance, modified coinsurance, stop-loss), and discuss why mortality improvement assumptions or longevity risk transfer are interesting problems to spend a career on. For actuarial candidates, technical questioning is standard and unapologetic. Expect to be asked about your exam strategy, your view on a current pricing or reserving topic, and to walk through a structured problem either live or as a take-home. FSA track candidates may be asked which track (Individual Life and Annuities, Group and Health, Retirement Benefits, Quantitative Finance and Investment, or Corporate Finance and ERM) they intend to pursue and why, and weak answers signal a candidate who has not thought seriously about their career. For data science and AI candidates, interviews lean toward statistical reasoning, survival analysis, and applied modeling on insurance-shaped data, and away from leetcode-style algorithm trivia. Be prepared to defend modeling choices, discuss model risk, and explain how you would communicate uncertainty to a chief actuary. For technology candidates, system design discussions emphasize reliability, change control, and integration with regulated workflows. Bring examples that demonstrate you can ship production systems where errors have audit, regulatory, or balance-sheet consequences. For investments and finance candidates, expect questions on asset-liability management, private credit, structured asset experience, and the interaction between investment portfolio construction and reserve liabilities. Across all functions, behavioral questions are real and weighted. Preferred examples involve cross-functional collaboration, leading without authority, recovering from a real mistake, and managing a stakeholder who outranks you. The cultural read at the end of the loop is genuinely a yes-or-no gate at RGA, not a formality. Multiple panelists will independently evaluate whether you would treat junior teammates with respect, whether you can disagree without being combative, and whether you would represent the firm well in front of a cedant carrier's chief actuary. Dress is business or business casual for in-person; smart-casual on camera is fine, but err formal for senior leadership rounds. Logistics for Chesterfield candidates: the campus is at 16600 Swingley Ridge Road, about 25 minutes from St. Louis Lambert International Airport, and on-site loops typically include lunch with peers as an evaluated portion of the day. Treat the lunch as part of the interview.

What Reinsurance Group of America Looks For

  • Genuine interest in life reinsurance specifically. RGA hires people who have thought about why long-tail mortality and longevity risk is interesting work, not people who are using insurance as a fallback.
  • Demonstrated technical depth in your function. For actuaries that means real exam progress and credible discussion of pricing, valuation, or risk management. For data scientists that means survival analysis and applied modeling on insurance-shaped data. For technologists that means production systems in regulated environments.
  • FSA pipeline credibility for actuarial roles. The Society of Actuaries Fellowship is the flagship credential, and RGA invests heavily in study programs, exam reimbursement, and exam-tied raises. Candidates with a clear, realistic exam plan are valued; candidates who are stalled or vague about exam intent are screened out fast.
  • Cross-cultural fluency. RGA's center of gravity has shifted with Tony Cheng's elevation from Asia head to CEO. Candidates with experience working across the US, EMEA, and Asia, or with credible language skills in Japanese, Korean, Mandarin, Cantonese, or Spanish, are increasingly differentiated.
  • Comfort with regulatory complexity. Life reinsurance is shaped by NAIC, AM Best, Bermuda Monetary Authority, PRA, EIOPA, HKIA, FSA Japan, OSFI, and APRA, among others. Candidates who can speak to the practical implications of any of these regimes stand out.
  • Long-term mindset. RGA is not a short-tenure shop. Strong candidates show evidence of staying at prior employers long enough to see consequences land. Job-hopping every 18 months is read skeptically.
  • Collegial, low-ego style. The company prizes people who get the right answer through teamwork rather than dominance. Candidates who run roughshod over interviewers, even when correct, are routinely rejected.
  • Customer (cedant) orientation. The best candidates frame their work in terms of how it would land for the chief actuary or chief risk officer at a primary carrier client, not just in terms of internal RGA process.
  • Quantitative honesty. RGA people will rather hear 'the assumption is uncertain and here is the range' than 'the model says X' delivered with false confidence. Calibrated communication of uncertainty is a strong positive signal.
  • Operational maturity for non-actuarial roles. In legal, finance, technology, and investments, RGA wants people who have shipped real work in complex organizations and can navigate matrix reporting, audit, and global stakeholder coordination.

Frequently Asked Questions

What ATS does RGA use for job applications?
RGA's careers site at www.rgarecareers.com is built on Phenom People, an enterprise talent experience platform. Some third-party trackers list RGA as Workday, but the live careers experience as of 2026 is Phenom-based. Upload your resume as a PDF with selectable text and verify the parsed fields before submitting.
Where is RGA's headquarters and do I need to relocate?
RGA is headquartered at 16600 Swingley Ridge Road in Chesterfield, Missouri, about 25 minutes from St. Louis Lambert International Airport. Many corporate functions are concentrated there, but RGA also has substantial operations in London, Toronto, Sydney, Hong Kong, Tokyo, Seoul, Mumbai, Dublin, and several other global hubs. Some roles are remote or hybrid; the Phenom job board flags Remote, Hybrid, and On-Site clearly on each listing.
Is RGA actuarial-only, or do they hire other functions?
Actuarial is the flagship discipline, but RGA actively hires across Underwriting, Claims and Administration, Data Science, Finance, Investments, Legal, Risk Management, Technology, Business Development, Human Resources, Project Management, and Executive Leadership. The 2+ open roles visible on rgarecareers.com at the time of writing span all of these categories.
How important is the Society of Actuaries Fellowship (FSA) for actuarial candidates?
Critical. The FSA is treated as the flagship credential at RGA, and the company funds study programs, exam reimbursement, study time, and exam-tied raises. Candidates with clear, realistic exam plans and credible track selection (Individual Life and Annuities, Group and Health, Retirement Benefits, Quantitative Finance and Investment, or Corporate Finance and ERM) are strongly preferred.
Does RGA hire entry-level candidates or only experienced hires?
Both. RGA runs a structured Students and Grads program, particularly on the actuarial side, with intern-to-full-time conversion, exam support, and rotational placement primarily out of Chesterfield. Apply through the Students and Grads track on rgarecareers.com early in the recruiting cycle (typically late summer through fall for following-summer internships).
What does the interview process look like and how long does it take?
Typical loop is a recruiter screen, a hiring manager interview, a technical or panel round, and a final loop of three to five interviews including peers, a cross-functional partner, and frequently a senior leader. Total elapsed time is usually four to eight weeks from application to offer for posted professional roles, sometimes faster for high-priority actuarial openings and slower for niche investments or executive roles.
What salary should I expect at RGA?
RGA publishes compensation ranges on many of its US postings on rgarecareers.com. Visible examples at the time of writing include a VP, AI and Emerging Analytics role in Chesterfield at $180,220 to $268,400, and a Senior Analyst, Global Finance Strategic Solutions role at $89,310 to $134,870. Total compensation also includes annual bonus, long-term incentives for senior roles, 401(k) match, comprehensive medical and dental, and substantial actuarial study support for credentialing employees.
How is RGA different from a primary life insurer like MetLife or Prudential?
RGA is a reinsurer, meaning its customers are other life insurance companies, not consumers. Primary writers cede some of the mortality, morbidity, and longevity risk on the policies they sell to RGA in exchange for a premium. RGA does not market policies to individuals, does not run agent distribution, and does not own a retail brand. The work centers on long-tail biometric risk, treaty structuring, capital efficiency, and analytics, rather than product distribution and marketing.
Is RGA culturally a good fit for someone coming from a fast-moving startup?
Honest answer: usually no, unless you are deliberately seeking the opposite. RGA is methodical, regulated, collegial, and long-tenure by design. The work is intellectually demanding and the company invests heavily in its people, but the operating tempo is closer to a top-tier consulting firm or a research-heavy financial institution than a venture-backed startup. Candidates who frame the slower pace as 'careful capital stewardship' rather than 'too slow' tend to thrive.
What is RGA's Pension Risk Transfer (PRT) business and is it a growth area for hiring?
Pension Risk Transfer is the line of business in which a corporate pension sponsor transfers some or all of its pension liabilities (and matching assets) to an insurance or reinsurance counterparty. RGA has built a meaningful global PRT franchise, particularly in the UK and US, and it is one of the strategic growth areas that the Cheng-era leadership has been investing in. Candidates with longevity, annuities, or pension actuarial backgrounds are increasingly in demand because of this.

Open Positions

Reinsurance Group of America currently has 2 open positions.

Check Your Resume Before Applying → View 2 open positions at Reinsurance Group of America

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Sources

  1. RGA Careers - Are You RGA Ready? (Phenom-powered) —
  2. RGA Careers - Job Openings Search Results —
  3. Reinsurance Group of America (RGA) Corporate Site —
  4. RGA - Tony Cheng Appointed President and CEO —
  5. RGA NYSE Listing (RGA) —
  6. Society of Actuaries - FSA Pathway Overview —
  7. Phenom People - Talent Experience Management Platform —
  8. Australian Prudential Regulation Authority (APRA) - Life Reinsurance Oversight —