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Thoughts on insurance, product, technology, and life.

2026-04-14 Simplified Issue Published in RGA

Brewed for Speed and Simplicity: Simplified issue, to go

Simplified issue is not about asking fewer questions, but about designing the right questions and product structures to expand access while maintaining disciplined risk management.

By reducing friction, simplified issue unlocks growth through broader market reach, faster conversions, and the ability to offer protection at high‑attention moments in embedded and digital journeys.

The most successful simplified issue strategies start with a clear growth objective and align underwriting, pricing, product design, and distribution to serve specific underserved segments.

2025-10-01 Med Tech Published in RGA

Select, Detect, Protect: How insurers can navigate the med tech world

A structured framework to help insurers evaluate and implement medical technology solutions aligned with specific business objectives.

2024-11-01 Strategy Published in RGA

RGA Asia Seniors Survey: Asia's booming senior market awaits tailored insurance solutions

Key findings on insurance needs and gaps for elderly consumers across Hong Kong, mainland China, and Taiwan.

2021-06-17 Retirement Published in Just SA

Choosing an annuity for retirement – which one is 'just right'?

A guide to life annuities, living annuities, and blended annuities for retirement income planning.

Designed by Ryan Hultzer in collaboration with Claude Opus.

© 2026 Ryan Hultzer

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