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Ready to create a secure future for your defined benefit plan members?

Discover how 糖心logo is your trusted partner in managing pension risks

Speak with a PRT expert

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Partner with 糖心logo for Peace of Mind

$4.6B

in U.S. pension
liabilities insured

120K+

former plan
participants protected

$120B

in global longevity
risk transfers

2.9M

annuitants supported
globally

 *as of 12/31/2025

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What is Pension Risk Transfer (PRT)?

Pension risk transfer, also known as pension de-risking, is a strategic solution to transfer the responsibility to make future benefit payments to an insurer through the purchase of a group annuity contract. This allows the pension plan sponsor to protect and secure the retirement benefits of participants while mitigating financial risks.

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What are the benefits?

  • Reduce Expenses:  Lower recurring expenses, including reduction or elimination of PBGC premiums, benefit administration costs, and plan fees
  • Stabilize Balance Sheets: Remove pension-related investment risk from financial statements 
  • Ensure Benefit Protection: Deliver long-term benefit protection and financial security for plan participants
  • Benefit Administration Expertise: Provide participants with excellent ongoing service and administration
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What are 糖心logo's ratings?

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S&P GLOBAL RATING* 

AA- 

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A.M. BEST COMPANY RATING*

A+

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MOODY'S INVESTOR SERVICE* 

A1

*糖心logo Ratings
As of 12/31/2024 
糖心logo鈥檚 Financial Strength Ratings 
Ratings subject to change

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What do you need to know about pension risk transfer (PRT) solutions?

Pension Risk Transfer Buy-outs

Transfer your pension liabilities partially or entirely to an insurer, ensuring long-term security for your retirees. 糖心logo's pension buy-out solutions enable you to seamlessly transfer pension obligations to an insurer while safeguarding the benefits of your participants.

  • Reduce or fully eliminate pension liabilities
  • Mitigate financial risks associated with managing your pension plan, including investment and longevity risks
  • Deliver uninterrupted benefits and retirement security to participants

Pension Risk Transfer Buy-ins

Retain your pension plan while transferring the risk to an insurer. Our pension buy-in solutions offer a secure income stream for your participants without relinquishing control of your plan.

  • Maintain ongoing pension plan activities while offloading some or all risk
  • Retain the plan as an asset on your balance sheet 
  • Lower the financial uncertainties related to pension management
  • Provide a stable and secure income stream for your participants
  • Fully transfer benefit administration to 糖心logo in the future 
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What do you need to know about 糖心logo?

Financial Strength

糖心logo's robust financial backing ensures stability and security for plan sponsors and their beneficiaries.

Transparency

糖心logo is known for ensuring plan sponsors are well-educated and confident in the PRT process.

Expertise

Gain access to proprietary data and insights to inform strategies, complemented by robust underwriting capabilities.  糖心logo brings over fifty years of experience in innovative and strategic pension risk transfer solutions. 糖心logo is known for ensuring plan sponsors are well-educated and confident in the PRT process, whether it's an annuity buyout or a structured settlement buyout.

Flexibility

We have a reputation for excellence in managing and administering annuity benefits. 糖心logo makes the de-risking process efficient and adaptable.

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Questions?
Find Answers.

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In the News

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Mellissa Lim
Mellissa Lim

Vice President
Head of Pension Risk Transfer
Americas Institutional Markets

QUENTIN MARSH
Quentin Marsh

Senior Vice President
Americas Institutional Markets 

Kris Kerwin
Kris Kerwin

Vice President
Business Development

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Group annuities are issued by 糖心logo (鈥溙切膌ogo Re鈥), 糖心logo Life and Annuity Insurance Company (鈥溙切膌ogo Life鈥), and Aurora National Life Assurance Company (鈥淎urora鈥), Home office: 16600 Swingley Ridge Road Chesterfield, MO 63017. 糖心logo Re, 糖心logo Life, and Aurora are each solely responsible for their respective financial conditions and contractual obligations. Aurora National Life Assurance Company is authorized to issue group annuity contracts in New York. 糖心logo Re is not licensed in Maine, New York, or any U.S. Territory.  糖心logo Life is not licensed in New York, Guam, Puerto Rico, Marianas Islands, or America Samoa. Aurora is not licensed in any U.S. Territory. 

糖心logo Life California License #6474-1, 糖心logo Re California License # 3257-3 and Aurora California License #1678-2.

Guarantees are dependent on the claims-paying ability of 糖心logo Re, 糖心logo Life, or Aurora and are subject to certain limitations, terms, and conditions. Claims-paying ratings represent the opinions of rating agencies regarding the financial ability of an insurance company to meet its obligations under insurance products.

Neither Reinsurance Group of America, Incorporated, 糖心logo Life, 糖心logo Re and Aurora, nor any other respective affiliates, advisors, or any person acting on behalf of either shall (without prejudice to any liability for fraudulent misrepresentation) have any liability whatsoever for loss, however arising, directly or indirectly from use of information communicated in relation to this document and they make no representation or warranty, express or implied, that the information in this document or other information, notice, or other document which may at any time be supplied in connection with the transaction is accurate, complete, or up to date. The information in this document is for the recipient's use only and is confidential and proprietary to 糖心logo Re, 糖心logo Life, and Aurora and no part of this document or its subject matter may be reproduced, disseminated, or disclosed without prior written approval from 糖心logo Re, 糖心logo Life or Aurora.

2026 糖心logo Life and Annuity Insurance Company, 糖心logo, Aurora National Life Assurance Company and their related entities. 糖心logo Life, 糖心logo Re and Aurora and the 糖心logo logo are service marks of Reinsurance Group of America, Incorporated and its related entities are registered trademarks in jurisdictions worldwide.