RGA · Reinsurance Group Of America Inc

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.

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.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

Each Performance Contingent Stock unit represents the right to receive one (1) share of Issuer's Common Stock.

Expiration date is not applicable for this transaction.

Each Performance Contingent Stock unit represents the right to receive one (1) share of Issuer's Common Stock.

Expiration date is not applicable for this transaction.

Shares of Common Stock delivered to Issuer as payment for taxes withheld. The reported share price of $205.00 was the closing price on March 12, 2026, which was the price that was used for tax withholding purposes.

Each Performance Contingent Stock unit represents the right to receive one (1) share of Issuer's Common Stock.

Expiration date is not applicable for this transaction.

Acquired pursuant to award of Performance Contingent Stock granted on March 9, 2023.