Customers hesitate. Processes stall. Promising ideas underperform, not because the solutions are wrong but because they aren’t human. Behavioral science helps insurers design for how people actually think, decide, and act — not how we assume they do.
At RGA, we are specialists in the “why” of insurance decision-making.
Behavioral science combines insights from psychology, sociology, neuroscience, and economics with advanced research methods, data science, and real-world experiments. RGA's track record proves our evidence-based approach, anchored in behavioral science principles, can transform insights into business results.
RGA partners with insurers to embed behavioral intelligence across the value chain, from product design to claims and retention, to improve decision-making, reduce friction, and build trust. Our work is grounded in evidence, tested in the real world, and designed to deliver measurable results.
When you design for how people behave, you unlock how business grows.
People don’t buy what they don’t understand. Behavioral science helps insurers simplify complex journeys, reduce cognitive load, and build trust so customers feel confident saying yes.
People don’t lie to deceive. They lie to protect. Behavioral science reveals how discomfort, memory gaps, and poor framing lead to inaccurate disclosures. We help insurers ask better questions and get better answers.
Mental health disclosures are hard to get right. Behavioral science helps insurers design questions that feel safe, reduce stigma, and invite honesty, building trust from the first interaction.
Behavioral science helps claims teams tap into personal goals, empathy, and structure to shorten recovery and deepen engagement.
AI can feel alien or empowering. Behavioral science helps insurers avoid the “uncanny valley,” frame digital tools with transparency, and build experiences that feel human.
Lapse is about more than price. Insurers need to consider attention, emotion, and connection to build loyalty. Behavioral science helps insurers communicate clearly, show value, and make staying the easy choice.
On the RGA Knowledge Center, we explain how real-world experimentation and evidence-based research into human decisionmaking can deliver smarter, more relevant, and more scalable solutions.
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