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Discover how ˿ƵAPP is your trusted partner in managing pension risks
in U.S. pension
liabilities insured
former plan
participants protected
in global longevity
risk transfers
annuitants supported
globally
*as of 12/31/2025
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.
Transfer your pension liabilities partially or entirely to an insurer, ensuring long-term security for your retirees. ˿ƵAPP's pension buy-out solutions enable you to seamlessly transfer pension obligations to an insurer while safeguarding the benefits of your participants.
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.
˿ƵAPP's robust financial backing ensures stability and security for plan sponsors and their beneficiaries.
˿ƵAPP is known for ensuring plan sponsors are well-educated and confident in the PRT process.
Gain access to proprietary data and insights to inform strategies, complemented by robust underwriting capabilities. ˿ƵAPP brings over fifty years of experience in innovative and strategic pension risk transfer solutions. ˿ƵAPP 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.
We have a reputation for excellence in managing and administering annuity benefits. ˿ƵAPP makes the de-risking process efficient and adaptable.
Kris Kerwin is Vice President of Business Development at ˿ƵAPP, specializing in financial solutions including longevity, asset-intensive solutions, and capital solutions.
A graduate of Concordia University in Montreal with a Bachelor of Science in Actuarial Mathematics, Kris joined ˿ƵAPP in 2007. He spent seven years in pricing, focusing on individual life insurance, critical illness, and group annuities. He then moved to corporate actuarial, handling non-traditional reserves, capital, and financing. In 2022, he joined the business development team, and in 2024, he transitioned to financial solutions.
Kris is a Fellow of the Canadian Institute of Actuaries (FCIA) and a Chartered Enterprise Risk Analyst (CERA). In his free time, he is a proud husband and father of five, and enjoys taking on sports challenges.
Group annuities are issued by ˿ƵAPP (“˿ƵAPP Re”), ˿ƵAPP Life and Annuity Insurance Company (“˿ƵAPP Life”), and Aurora National Life Assurance Company (“Aurora”), Home office: 16600 Swingley Ridge Road Chesterfield, MO 63017. ˿ƵAPP Re, ˿ƵAPP 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. ˿ƵAPP Re is not licensed in Maine, New York, or any U.S. Territory. ˿ƵAPP Life is not licensed in New York, Guam, Puerto Rico, Marianas Islands, or America Samoa. Aurora is not licensed in any U.S. Territory.
˿ƵAPP Life California License #6474-1, ˿ƵAPP Re California License # 3257-3 and Aurora California License #1678-2.
Guarantees are dependent on the claims-paying ability of ˿ƵAPP Re, ˿ƵAPP 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, ˿ƵAPP Life, ˿ƵAPP 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 ˿ƵAPP Re, ˿ƵAPP Life, and Aurora and no part of this document or its subject matter may be reproduced, disseminated, or disclosed without prior written approval from ˿ƵAPP Re, ˿ƵAPP Life or Aurora.
©2026 ˿ƵAPP Life and Annuity Insurance Company, ˿ƵAPP, Aurora National Life Assurance Company and their related entities. ˿ƵAPP Life, ˿ƵAPP Re and Aurora and the ˿ƵAPP logo are service marks of Reinsurance Group of America, Incorporated and its related entities are registered trademarks in jurisdictions worldwide.
