RGA · Reinsurance Group Of America Inc · Insider Trading

Transactions within a $1.00 price range are summarized in accordance with the June 25, 2008 SEC No- Action letter. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions, on August 12, 2026, at prices ranging from $246.220 to $246.525. The Reporting Person undertakes to provide to the Company, any security holder of the Company, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in this footnote.

Net settled options grants (Canada) on March 9, 2023 vest in 25% increments on each of December 31, 2023, 2024, 2025 and 2026.

Represents the gross number of shares received (2,571), less shares withheld to satisfy conversion price (1,454), resulting in a net settlement of 1,117 shares.

Represents the gross number of shares received (1,816), less shares withheld to satisfy conversion price and tax withholding obligations (1,600), resulting in a net settlement of 216 shares.

Represents the gross number of shares received (4,332), less shares withheld to satisfy conversion price (1,887), resulting in a net settlement of 2,445 shares.

Net settled options grants (Canada) on March 22, 2022 vest in 25% increments on each of December 31, 2022, 2023, 2024 and 2025.

Represents the gross number of shares received (3,311), less shares withheld to satisfy conversion price and tax withholding obligations (2,857), resulting in a net settlement of 454 shares.

Stock appreciation rights granted on March 9, 2023, settle in common stock and vest in four equal annual installments of 25%, on December 31, 2023, 2024, 2025 and 2026.

Stock appreciation rights granted on March 11, 2021, settle in common stock and vest in four equal annual installments of 25%, on each of December 31, 2021, 2022, 2023 and 2024.

Stock appreciation rights granted on March 15, 2024, settle in common stock, vest in 33 and 1/3% increments over three years, and fully vest on December 31, 2026.

Non-Qualified Stock Option grants on March 6, 2020 vest in 25% increments on each of December 31, 2020, 2021, 2022 and 2023.

Represents the gross number of shares received (5,707), less shares withheld to satisfy conversion price (2,750), resulting in a net settlement of 2,957 shares.

Non-qualified stock option grants on March 11, 2021 vest in 25% increments on each of December 31, 2021, 2022, 2023 and 2024.

Represents the gross number of shares received (3,098), less shares withheld to satisfy conversion price and tax withholding obligations (2,337), resulting in a net settlement of 761 shares.

Non-Qualified Stock Option grants on March 1, 2019 vest in 25% increments on each of December 31, 2019, 2020, 2021 and 2022.

Stock appreciation rights granted on March 6, 2025, settle in common stock, vest in 33 and 1/3% increments over three years, and fully vest on December 31, 2027.

Represents the gross number of shares received (2,264), less shares withheld to satisfy conversion price (1,345), resulting in a net settlement of 919 shares.

Represents the gross number of shares received (2,437), less shares withheld to satisfy conversion price (1,286), resulting in a net settlement of 1,151 shares.

Represents the gross number of shares received (2,577), less shares withheld to satisfy conversion price and tax withholding obligations (1,889), resulting in a net settlement of 688 shares.

The 406 shares of common stock issued to the Reporting Person are part of his non-deferred, prorated annual compensation as a new member of Reinsurance Group of America, Incorporated's Board of Directors, effective July 1, 2026.

This Form 4/A amends the Form 4 filed on July 6, 2026 to accurately reflect the number of shares withheld by Reinsurance Group of America, Incorporated to satisfy tax withholding obligations in connection with the issuance of common stock to the Reporting Person on July 1, 2026. The original filing inadvertently did not reflect 122 shares withheld for tax purposes, and this Form 4/A has been revised to reflect such tax withholding.

Shares of common stock delivered to Issuer as payment for taxes withheld. The reported share price of $207.79, was the closing price on June 24, 2026, and was the price used for tax withholding purposes.

Each RSU represents a contingent right to receive one (1) share of the Issuer's common stock upon settlement.

Restricted share units settle in common stock, and vest in 33 and 1/3% increments over three (3) years on each grant date, fully vesting on June 6, 2028, in accordance with the Reinsurance Group of America, Incorporated Flexible Stock Plan, as amended and restated effective May 21, 2025.

Each RSU represents a contingent right to receive one (1) share of the Issuer's common stock upon settlement.

Restricted share units settle in common stock, and vest in 33 and 1/3% increments over three (3) years on each grant date, fully vesting on June 6, 2028, in accordance with the Reinsurance Group of America, Incorporated Flexible Stock Plan, as amended and restated effective May 21, 2025.

The phantom stock units convert 1 for 1 to common stock, based on fair market value.

Acquired pursuant to deferral of annual stock grant (817 shares) to independent directors for services performed as a director.

Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.

Distributable upon director's retirement from the Board in accordance with distribution elections.

The phantom stock units convert 1 for 1 to common stock, based on fair market value.

Acquired pursuant to deferral of annual retainer (679 shares) and deferral of annual stock grant (817 shares) to independent directors for services performed as a director.

Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.

Distributable upon director's retirement from the Board in accordance with distribution elections.

Reflects the deduction of 1,126 shares to cover the base price of the SARs. There were 327 shares withheld for applicable withholding taxes, based on the fair market value of the stock on the date of exercise, and 414 net shares issued .

SARS grants on March 3, 2017 vest in 25% increments on each of December 31, 2017, 2018, 2019 and 2020.

The phantom stock units convert 1 for 1 to common stock, based on fair market value.

Acquired pursuant to deferral of annual retainer (652 shares) and defferal of annual stock grant (817 shares) to independent directors for services performed as a director.

Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.

Distributable upon director's retirement from the Board in accordance with distribution elections.

The phantom stock units convert 1 for 1 to common stock, based on fair market value.

Acquired pursuant to deferral of annual retainer (525 shares) and deferral of annual stock grant (1,331 shares) to independent directors for services performed as a director.

Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.

Distributable upon director's retirement from the Board in accordance with distribution elections.

Acquired pursuant to annual grant of shares to independent directors for services performed as a director.

The phantom stock units convert 1 for 1 to common stock, based on fair market value.

Acquired pursuant to deferral of annual retainer (701 shares) and defferal of annual stock grant (817 shares) to independent directors for services performed as a director.

Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.

Distributable upon director's retirement from the Board in accordance with distribution elections.

The phantom stock units convert 1 for 1 to common stock, based on fair market value.

Acquired pursuant to deferral of annual stock grant (817 shares) to independent directors for services performed as a director.

Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.

Distributable upon director's retirement from the Board in accordance with distribution elections.

The phantom stock units convert 1 for 1 to common stock, based on fair market value.

Acquired pursuant to deferral of annual stock grant (817 shares) to independent directors for services performed as a director.

Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.

Distributable upon director's retirement from the Board in accordance with distribution elections.

Reflects the deduction of 1,126 shares to cover the base price of the SARs. There were 327 shares withheld for applicable withholding taxes, based on the fair market value of the stock on the date of exercise, and 414 net shares issued .

The phantom stock units convert 1 for 1 to common stock, based on fair market value.

Acquired pursuant to deferral of annual stock grant (817 shares) to independent directors for services performed as a director.

Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.

Distributable upon director's retirement from the Board in accordance with distribution elections.

The phantom stock units convert 1 for 1 to common stock, based on fair market value.

Acquired pursuant to deferral of annual stock grant (817 shares) to independent directors for services performed as a director.

Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.

Distributable upon director's retirement from the Board in accordance with distribution elections.

Acquired pursuant to annual grant of shares to independent directors for services performed as a director.

Reflects the deduction of 1,126 shares to cover the base price of the SARs. There were 327 shares withheld for applicable withholding taxes, based on the fair market value of the stock on the date of exercise, and 414 net shares issued .

Transactions within a $1.00 price range are summarized in accordance with the June 25th 2008 SEC No - Action letter. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions, on May 14, 2026, at prices ranging from $210.175 to $210.640. The Reporting Person undertakes to provide to the Company, any security holder of the Company, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in this footnote.