United States

Â鶹ÊÓƵ

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Â鶹ÊÓƵ is one of the largest life and health reinsurers in the U.S., and one of the most trusted by the insurers we serve.

Most of the 100 largest U.S. life insurers partner with Â鶹ÊÓƵ. That trust rests on exceptional facultative underwriting, deep actuarial expertise, innovative products, and dependable service.

Clients notice the difference. In 2025, U.S. insurers again rated Â鶹ÊÓƵ #1 among chief underwriters on NMG Consulting's Business Capability Index. On NMG Consulting's 2025 U.S. Individual Mortality Reinsurance Study, insurers ranked Â鶹ÊÓƵ #1 for underwriting expertise and team quality, for innovation and new initiatives, and for thought leadership and knowledge. They ranked Â鶹ÊÓƵ's ASAP platform #1 for both usage and client satisfaction.

Our Leadership

Ron-Herrmann
Ron Herrmann

Chief Commercial Officer
Executive Vice President, EMEA and the Americas
President and CEO, Â鶹ÊÓƵ Re  

Bio
SENAN OLOUGHLIN
Senan O¡¯Loughlin

Executive Vice President 
Head of the Americas

Contact Senan
Bio
Heather-Ditchler
Heather Deichler

Senior Vice President  
Head of U.S. Group Reinsurance and Latin America
U.S. Group Reinsurance

Contact Heather
Bio
Nathan Berggoetz
Nathan Berggoetz

Senior Vice President
Head of U.S. Individual Health

Contact Nathan
Bio
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A group of Americas executives stand in a tight circle, talking against the backdrop of the Â鶹ÊÓƵ Headquarters

Meet the Team

Whether you want to bring a new product to market, improve the performance of an existing product or better manage your risk and capital through financial solutions, Â鶹ÊÓƵ is your partner. 

Get to know us

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Our Locations

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Headquarters

16600 Swingley Ridge Road
Chesterfield, Missouri  63017-1706

T 636.736.7000
toll-free 1.888.736.5445 

 

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U.S. Group Reinsurance

100 Washington Avenue South, Suite 1400
Minneapolis, Minnesota 55401-1908

T 612.217.6000

 

What We Do

Examples of key Â鶹ÊÓƵ offerings include:

 

Innovations in underwriting, distribution, data analysis, technology, and structured solutions offer significant growth opportunities for our life and health reinsurance clients.

  • Shifting consumer expectations, data sources, and technology innovations are driving rapid changes in risk assessment for the life insurance industry. As a long-standing risk-sharing partner, Â鶹ÊÓƵ understands these challenges and is ready to help with robust digital and data-driven risk assessment solutions embedded with our underwriting and mortality expertise. Explore our group life solutions.
  • AURA NEXT is a decision-management platform powered by Â鶹ÊÓƵ's underwriting and analytics expertise. Realize the significant benefits of fast, flexible, and reliable automated underwriting.
  • Â鶹ÊÓƵ's Automatic Selection and Assessment Program (ASAP) provides instant decisions online on impaired risks.
  • Â鶹ÊÓƵ pioneered the practice of managing risk and capital through reinsurance. Our finance, investment, and risk experts specialize in helping clients structure capital-motivated reinsurance, asset-intensive reinsurance, and longevity reinsurance solutions.

Explore our solutions

At Â鶹ÊÓƵ, we believe in the power of shared knowledge. When you partner with us, we will help your underwriters and actuaries stay abreast of the latest knowledge, research and trends.

  • Â鶹ÊÓƵ offers conferences and training opportunities, including Â鶹ÊÓƵ¡¯s Underwriting University Program.
  • Â鶹ÊÓƵ shares insight and expertise through Â鶹ÊÓƵ Central and webcasts, newsletters, white papers and articles on our Knowledge Center. 
  • Â鶹ÊÓƵ has a strong commitment to advancing the U.S. and Latin American insurance industry. Many of our experts have played key roles in supporting numerous insurance organizations and associations, from the Society of Actuaries to the American Academy of Insurance Medicine, American Academy of Actuaries, Home Office Underwriters Association, Academy of Life Underwriting and the Life Management Institute and the Mexican Actuarial Association.

Explore our Knowledge Center

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Find Â鶹ÊÓƵ with Â鶹ÊÓƵ

Â鶹ÊÓƵ is one of the world¡¯s largest and most respected reinsurers. We are guided by a fundamental purpose: to make financial protection accessible to all. Searching for a solution? Visit our library.  

Explore products and services

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Â鶹ÊÓƵ's Knowledge Center

Visit our extensive collection of articles, white papers, and videos to explore fresh perspectives regarding risk assessment and risk transfer. 

Curious? Explore with Â鶹ÊÓƵ

Our Experts Can Help

Clients consistently rank Â鶹ÊÓƵ as the market leader in regional surveys. In 2025, Â鶹ÊÓƵ was rated #1 for the 15th consecutive year on NMG Consulting¡¯s Global All Respondents Business Capability Index, based on feedback from life and health insurance companies worldwide. Curious? Let¡¯s talk. 

Contact us     

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Â鶹ÊÓƵ Around the Globe

Multinational life and health insurers must grow in markets that are increasingly complex. Â鶹ÊÓƵ¡¯s Global Accounts augments our local expertise with a global view and a central point of contact. We deliver specialized expertise, deep industry knowledge, and insight into the most disruptive innovations. 

Discover a world of insight