<SEC-DOCUMENT>0001193125-20-162260.txt : 20200605
<SEC-HEADER>0001193125-20-162260.hdr.sgml : 20200605
<ACCEPTANCE-DATETIME>20200605163550
ACCESSION NUMBER:		0001193125-20-162260
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20200602
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200605
DATE AS OF CHANGE:		20200605

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			REINSURANCE GROUP OF AMERICA INC
		CENTRAL INDEX KEY:			0000898174
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				431627032
		STATE OF INCORPORATION:			MO
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11848
		FILM NUMBER:		20946802

	BUSINESS ADDRESS:	
		STREET 1:		16600 SWINGLEY RIDGE ROAD
		CITY:			CHESTERFIELD
		STATE:			MO
		ZIP:			63017
		BUSINESS PHONE:		6367367000

	MAIL ADDRESS:	
		STREET 1:		16600 SWINGLEY RIDGE ROAD
		CITY:			CHESTERFIELD
		STATE:			MO
		ZIP:			63017
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d926984d8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8" ?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31" xmlns:us-types="http://fasb.org/us-types/2019-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:rga="http://www.rgare.com/20200602" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:us-gaap="http://fasb.org/us-gaap/2019-01-31" xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>8-K</title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
   <body>
 <div style="display:none"> <ix:header> <ix:hidden> <ix:nonNumeric id="Hidden_dei_EntityRegistrantName" name="dei:EntityRegistrantName" contextRef="duration_2020-06-02_to_2020-06-02">REINSURANCE GROUP OF AMERICA INC</ix:nonNumeric> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2020-06-02_to_2020-06-02">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2020-06-02_to_2020-06-02">0000898174</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xlink:type="simple" xlink:href="rga-20200602.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase"></link:schemaRef> </ix:references> <ix:resources> <xbrli:context id="duration_2020-06-02_to_2020-06-02"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2020-06-02</xbrli:startDate> <xbrli:endDate>2020-06-02</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:CommonStockOutstandingMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2020-06-02</xbrli:startDate> <xbrli:endDate>2020-06-02</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2020-06-02</xbrli:startDate> <xbrli:endDate>2020-06-02</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2020-06-02</xbrli:startDate> <xbrli:endDate>2020-06-02</xbrli:endDate> </xbrli:period> </xbrli:context> </ix:resources> </ix:header> </div> <div style="font-size:10pt;width:8.5in;margin:0 auto"> <div style="text-align:center"> <p style="line-height:0.5pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:0pt">&#160;</p></div> <div style="text-align:center"> <p style="line-height:3pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:2pt">&#160;</p></div> <p style="margin-bottom:0px;margin-top:4pt"></p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0pt;margin-top:0pt">UNITED STATES</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0pt;margin-top:0pt">SECURITIES AND EXCHANGE COMMISSION</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">Washington, D.C. 20549</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:9pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0px;margin-top:9pt">FORM <span style="white-space:nowrap"><ix:nonNumeric name="dei:DocumentType" contextRef="duration_2020-06-02_to_2020-06-02">8-K</ix:nonNumeric> </span></p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:9pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0px;margin-top:9pt">CURRENT REPORT</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">Pursuant to Section&#160;13 or 15(d)</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">of the Securities Exchange Act of 1934</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0px;margin-top:9pt">Date of Report (Date of Earliest Event Reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" contextRef="duration_2020-06-02_to_2020-06-02" format="ixt:datemonthdayyearen">June&#160;2, 2020</ix:nonNumeric></p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:9pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0px;margin-top:9pt"> <span style=" -sec-ix-hidden:Hidden_dei_EntityRegistrantName">REINSURANCE GROUP OF AMERICA, INCORPORATED</span> </p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">(Exact Name of Registrant as Specified in its Charter)</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:9pt;margin-bottom:0px">&#160;</p></div>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:9pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:34%;"></td>
<td></td>
<td style="width:33%;"></td>
<td style="width:1%;"></td>
<td style="width:33%;"></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" contextRef="duration_2020-06-02_to_2020-06-02" format="ixt-sec:stateprovnameen">Missouri</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2020-06-02_to_2020-06-02">1-11848</ix:nonNumeric> </span></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2020-06-02_to_2020-06-02">43-1627032</ix:nonNumeric> </span></p></td></tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(State or Other Jurisdiction</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">of Incorporation)</p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(Commission</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">File Number)</p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(IRS Employer</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Identification No.)</p></td></tr></table> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0px;margin-top:9pt"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2020-06-02_to_2020-06-02">16600 Swingley Ridge Road</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2020-06-02_to_2020-06-02">Chesterfield</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2020-06-02_to_2020-06-02" format="ixt-sec:stateprovnameen">Missouri</ix:nonNumeric> <ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2020-06-02_to_2020-06-02">63017</ix:nonNumeric></p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(Address of Principal Executive Offices, and Zip Code)</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0px;margin-top:9pt">Registrant&#8217;s telephone number, including area code:<span style="font-weight:Bold;font-style:normal">&#160;<ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2020-06-02_to_2020-06-02">(636)</ix:nonNumeric>&#160;<ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2020-06-02_to_2020-06-02">736-7000</ix:nonNumeric></span></p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:9pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:9pt">Check the appropriate box below if the Form <span style="white-space:nowrap">8-K</span> filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (<span style="font-style:Italic">see </span>General Instruction A.2. below):</p> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;text-align:left;">&#160;</td>
<td style="width:4%;vertical-align:top;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2020-06-02_to_2020-06-02" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;text-align:left;">&#160;</td>
<td style="width:4%;vertical-align:top;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2020-06-02_to_2020-06-02" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Soliciting material pursuant to Rule <span style="white-space:nowrap">14a-12</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14a-12) </span></td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;text-align:left;">&#160;</td>
<td style="width:4%;vertical-align:top;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2020-06-02_to_2020-06-02" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;"> <span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">14d-2(b)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14d-2(b)) </span></td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;text-align:left;">&#160;</td>
<td style="width:4%;vertical-align:top;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2020-06-02_to_2020-06-02" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;"> <span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">13e-4(c)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.13e-4(c)) </span></td></tr></table> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:9pt">Securities registered pursuant to Section&#160;12(b) of the Act:</p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:9pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:34%;"></td>
<td></td>
<td style="width:33%;"></td>
<td style="width:1%;"></td>
<td style="width:33%;"></td></tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Title of each class</p></td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Trading</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Symbol(s)</p></td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Name of each exchange</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">on which registered</p></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember">Common Stock, par value $0.01</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember">RGA</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></p></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member">6.20% <span style="white-space:nowrap">Fixed-To-Floating</span> Rate Subordinated Debentures due 2042</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member">RZA</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></p></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">5.75% <span style="white-space:nowrap">Fixed-To-Floating</span> Rate Subordinated Debentures due 2056</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">RZB</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></p></td></tr></table> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:9pt">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule<span style="white-space:nowrap">&#160;12b-2</span>&#160;of the Securities Exchange Act of 1934&#160;(&#167;<span style="white-space:nowrap">240.12b-2</span>&#160;of this chapter):</p> <p style="font-family:Times New Roman;margin-left:0%;text-align:left;text-indent:0%;font-size:10pt;margin-bottom:0px;margin-top:12pt"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2020-06-02_to_2020-06-02" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#160;&#160;&#160;&#160;Emerging growth company</p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:9pt"> <span style="font-family:Times New Roman;font-weight:normal">&#9744;</span>&#160;&#160;&#160;&#160;If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&#160;13(a) of the Exchange Act.</p> <p style="margin-bottom:0px;margin-top:10pt"></p> <div style="text-align:center"> <p style="line-height:0.5pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:0pt">&#160;</p></div> <div style="text-align:center"> <p style="line-height:3pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:2pt">&#160;</p></div> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p></div>

<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto">
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:10%;vertical-align:top;white-space:nowrap;">Item&#160;8.01 </td>
<td style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Other Events.</td> </tr> </table> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:6pt">On June&#160;2, 2020, Reinsurance Group of America, Incorporated (the &#8220;Company&#8221;) entered into an Underwriting Agreement (the &#8220;Underwriting Agreement&#8221;) with Barclays Capital Inc. and J.P. Morgan Securities LLC, as Representatives of the several underwriters named therein (the &#8220;Underwriters&#8221;), pursuant to which the Company agreed to issue and sell to the Underwriters 6,172,840 shares of the common stock of the Company, par value $0.01 per share (the &#8220;Common Stock&#8221;), at a public offering price of $81.00 per share. </p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">The Company granted the Underwriters an option to purchase from the Company, within 30 days after the date of the Underwriting Agreement, up to an additional 925,926 shares of the Common Stock. </p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">On June&#160;5, 2020, the Company completed the offering of the Common Stock pursuant to the Underwriting Agreement. The Company received net proceeds (before expenses) of approximately $484&#160;million. The Company anticipates using the proceeds for general corporate purposes. </p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">The Common Stock was offered and sold pursuant to the Company&#8217;s automatic shelf registration statement on Form <span style="white-space:nowrap">S-3</span> (Registration Statement No.<span style="white-space:nowrap">&#160;333-238511)</span> under the Securities Act of 1933, as amended, which became effective upon filing with the Securities and Exchange Commission (the &#8220;SEC&#8221;) on May&#160;20, 2020. The Company has filed with the SEC a prospectus supplement, dated June&#160;2, 2020, together with the accompanying prospectus, dated May&#160;20, 2020, relating to the offering and sale of the Common Stock. </p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">The Underwriting Agreement includes customary representations, warranties and covenants by the Company. Under the terms of the Underwriting Agreement, the Company has agreed to indemnify the Underwriters against certain liabilities. The foregoing description of the Underwriting Agreement does not purport to be complete and is qualified in its entirety by reference to the full text of such document, a copy of which is attached hereto as Exhibit&#160;1.1, and is incorporated by reference herein. </p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">The Underwriters and/or their affiliates have provided and in the future may provide investment banking, commercial banking, advisory, reinsurance and/or other financial services to the Company and its affiliates for which they have received and in the future may receive customary fees and expenses and may have entered into and in the future may enter into other transactions with the Company. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 </div>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto">
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:10%;vertical-align:top;white-space:nowrap;">Item&#160;9.01 </td>
<td style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Financial Statements and Exhibits.</td> </tr> </table> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:6pt">(d) Exhibits. The following documents are filed as exhibits to this report: </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:6pt;margin-left:auto;margin-right:auto">
<tr>
<td></td>
<td></td>
<td></td>
<td style="width:4%;"></td>
<td style="width:91%;"></td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;1.1 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d926984dex11.htm">Underwriting Agreement dated June&#160;2, 2020, between the Company and Barclays Capital Inc. and J.P. Morgan Securities LLC, as Representatives of the several underwriters named therein. </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;5.1 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d926984dex51.htm">Opinion of William L. Hutton, Esq. </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">23.1 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d926984dex51.htm">Consent of William L. Hutton, Esq. (included in Exhibit 5.1). </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">EX-104 </span> </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Cover Page Interactive Data File (embedded within the Inline XBRL document). </p> </td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 </div>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">SIGNATURE </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:0px;margin-right:auto">
<tr>
<td style="width:48%;"></td>
<td style="width:1%;"></td>
<td style="width:3%;"></td>
<td></td>
<td style="width:47%;"></td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="3" style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">REINSURANCE GROUP OF AMERICA,</span> </p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">INCORPORATED</span> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Date: June&#160;5, 2020 </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">By: </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;margin-bottom:1pt;font-size:10pt;margin-top:0pt;border-bottom:1px solid #000000">/s/ Todd C. Larson </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Todd C. Larson </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Senior Executive Vice President and Chief Financial Officer </p> </td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 </div>
 </body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-1.1
<SEQUENCE>2
<FILENAME>d926984dex11.htm
<DESCRIPTION>EX-1.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-1.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">Exhibit 1.1 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>6,172,840 SHARES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REINSURANCE GROUP OF AMERICA, INCORPORATED </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>COMMON STOCK </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>UNDERWRITING AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">June&nbsp;2, 2020 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Barclays Capital Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J.P. Morgan Securities LLC </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">As Representatives of
the </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Several Underwriters Listed </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">in Schedule&nbsp;1 Hereto </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">c/o</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Barclays Capital Inc. </P></TD></TR></TABLE>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">745 Seventh Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">New York, New
York 10019 </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">c/o</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">J.P. Morgan Securities LLC </P></TD></TR></TABLE>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">383 Madison Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">New York, New
York 10179 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reinsurance Group of America, Incorporated, a Missouri corporation (the &#147;<B><I>Company</I></B>&#148;), proposes, subject to the terms and
conditions stated herein, to issue and to sell an aggregate of 6,172,840 shares (the &#147;<B><I>Firm Shares</I></B>&#148;) of Common Stock, par value $0.01 per share, (&#147;<B><I>Common Stock</I></B>&#148;), and to grant the option described in
Section&nbsp;4(b) hereof to purchase all or any part of 925,926 additional shares of its Common Stock (the &#147;<B><I>Option Shares</I></B>&#148;), if any, to Barclays Capital Inc. and J.P. Morgan Securities LLC (the
&#147;<B><I>Representatives</I></B>&#148;) and the other underwriters named in Schedule&nbsp;1 hereto (collectively, the &#147;<B><I>Underwriters</I></B>&#148;). The Firm Shares and the Option Shares are hereinafter called, collectively, the
&#147;<B><I>Shares</I></B>&#148; and the issue and sale of the Shares to the Underwriters under this Agreement is hereinafter called the &#147;<B><I>Offering</I></B>.&#148; This is to confirm the agreement among the Company and the Underwriters
concerning the offer, issuance and sale of the Shares. The terms &#147;Representatives&#148; and &#147;Underwriters&#148; shall mean either singular or plural as the context requires. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. <I>Representations, Warranties and Agreements of the Company</I>. The Company represents, warrants and agrees with the Underwriters that,
unless otherwise specified below, on and as of the date hereof, to and including the Delivery Date (as defined below): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company has
filed with the Securities and Exchange Commission (the &#147;<B><I>Commission</I></B>&#148;) an automatic shelf registration statement on Form <FONT STYLE="white-space:nowrap">S-3</FONT> (File
<FONT STYLE="white-space:nowrap">No.&nbsp;333-238511)</FONT> (the &#147;<B><I>Registration Statement</I></B>&#148;), which registration statement became effective upon filing under Rule 462(e) of the Securities Act of 1933, as amended (the
&#147;<B><I>Securities Act</I></B>&#148;). Such registration </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
statement covers the registration of the Shares (among others) under the Securities Act and has (i)&nbsp;been prepared by the Company in conformity in all material respects with the requirements
of the Securities Act, (ii)&nbsp;been filed with the Commission under the Securities Act and (iii)&nbsp;become effective under the Securities Act. The Registration Statement is an &#147;automatic shelf registration statement&#148; as defined under
Rule&nbsp;405 of the Securities Act that has been filed with the Commission not earlier than three years prior to the date hereof. Copies of the Registration Statement and all exhibits thereto have been delivered by the Company to the
Representatives. As used in this Agreement, &#147;<B><I>Effective Time</I></B>&#148; means the date and the time as of which each part of the registration statement on Form <FONT STYLE="white-space:nowrap">S-3</FONT> (File <FONT
STYLE="white-space:nowrap">No.&nbsp;333-238511)</FONT> (the &#147;<B><I>Latest Registration Statement</I></B>&#148;) or the most recent post-effective amendment thereto, if any, became effective; &#147;<B><I>Effective Date</I></B>&#148; means the
date of the Effective Time; &#147;<B><I>Preliminary Prospectus</I></B>&#148; means each prospectus included in the Latest Registration Statement, or amendments thereof, before it became effective under the Securities Act and any prospectus and
prospectus supplement filed with the Commission by the Company with the consent of the Underwriters pursuant to Rule 424(a) of the Securities Act relating to the Shares; the term &#147;<B><I>Registration Statement</I></B>&#148; means such Latest
Registration Statement, as amended as of the Effective Time, including the Incorporated Documents (as defined below) and all information contained in the final prospectus relating to the Shares filed with the Commission pursuant to Rule 424(b) of
the Securities Act and deemed to be a part of such registration statement as of the Effective Time pursuant to Rule&nbsp;430A or Rule&nbsp;430B of the Securities Act; and &#147;<B><I>Prospectus</I></B>&#148; means the prospectus and prospectus
supplement relating to the Shares in the form first used to confirm sales of the Shares (or in the form made available to the Underwriters by the Company to meet requests of purchasers) pursuant to Rule&nbsp;172 or Rule&nbsp;173 of the Securities
Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Agreement, &#147;<B><I>free writing prospectus</I></B>&#148; has the meaning set forth in Rule 405 of the
Securities Act (which does not include communications not deemed a prospectus pursuant to Rule&nbsp;134 of the Securities Act and historical issuer information meeting the requirements of Rule&nbsp;433(e)(2) of the Securities Act) and
&#147;<B><I>Time of Sale Prospectus</I></B>&#148; means the Preliminary Prospectus together with any free writing prospectuses or other information, if any, each identified in Schedule&nbsp;2 hereto, and any other free writing prospectus or other
information that the parties hereto shall hereafter expressly agree in writing to treat as part of the Time of Sale Prospectus (except for purposes of Sections 7(a), 7(d) and 7(e), for which the term &#147;Time of Sale Prospectus&#148; shall not
include the free writing prospectus(es) and other information identified in Items&nbsp;2 and 3 of Schedule&nbsp;2). Reference made herein to the Preliminary Prospectus, any free writing prospectus, the Time of Sale Prospectus or the Prospectus shall
be deemed to refer to and include any documents incorporated by reference therein (with respect only to the Prospectus and the Preliminary Prospectus, pursuant to Item&nbsp;12 of Form <FONT STYLE="white-space:nowrap">S-3</FONT> under the Securities
Act, as of the date of the Preliminary Prospectus, any free writing prospectus, the Time of Sale Prospectus or the Prospectus, as the case may be (such documents, the &#147;<B><I>Incorporated Documents</I></B>&#148;), and any reference to any
amendment or supplement to the Preliminary Prospectus, the Time of Sale Prospectus or the Prospectus shall be deemed to refer to and include any document filed under the Securities Exchange Act of 1934, as amended, and the rules and regulations of
the Commission thereunder (collectively, the &#147;<B><I>Exchange Act</I></B>&#148;) after the date of the Preliminary Prospectus, the Prospectus, or the date hereof, as the case may be, and incorporated by reference in the Preliminary Prospectus,
the Prospectus, as the case may be; and any reference to any amendment to the Registration Statement shall be deemed to include any annual report of the Company filed with the Commission pursuant to Section&nbsp;13(a) or 15(d) of
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the Exchange Act after the Effective Time that is incorporated by reference in the Registration Statement. The Commission has not issued any notice of objection or any order preventing or
suspending the use of any of the Preliminary Prospectus, any free writing prospectus, the Time of Sale Prospectus, the Prospectus or the Registration Statement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The conditions for use of Form <FONT STYLE="white-space:nowrap">S-3,</FONT> as set forth in the General Instructions thereto, have been
satisfied or waived. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;(i)&nbsp;The Registration Statement conforms, and the Prospectus and any further amendments or
supplements to the Registration Statement or the Prospectus will, when they become effective or are filed with the Commission, as the case may be, conform in all material respects to the requirements of the Securities Act (including Rule 415(a) of
the Securities Act); (ii)&nbsp;each part of the Registration Statement, as of its Effective Date and as of the date hereof, and any amendment thereto, as of the date of any such amendment, did not, does not and will not, as the case may be, contain
an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading; (iii)&nbsp;no order suspending the effectiveness of the Registration Statement has been
issued by the Commission, and no proceeding for that purpose or pursuant to Section&nbsp;8A of the Securities Act against the Company or related to the offering of the Shares has been initiated or threatened by the Commission as of the Effective
Date of the Registration Statement and any post-effective amendment thereto; (iv)&nbsp;the Time of Sale Prospectus, as of the date hereof and at the time of each sale (as such phrase is used in Rule&nbsp;159 under the Securities Act) of the Shares
in connection with the offering and as of the Delivery Date, as then amended or supplemented by the Company, if applicable, does not and will not contain any untrue statement of a material fact or omit to state a material fact required to be stated
therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading; and (v)&nbsp;the Prospectus, as of the date hereof and the Delivery Date, as then supplemented by the Company, if
applicable, does not and will not contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were
made, not misleading; <I>provided </I>that, the Company makes no representation or warranty as to information contained in or omitted from the Registration Statement, the Time of Sale Prospectus or the Prospectus in reliance upon and in conformity
with written information furnished to the Company through the Underwriters expressly for use therein, which consists of the names and titles of the Underwriters as set forth on the front cover page of the Prospectus, the selling concession figures
appearing in the third paragraph under the caption &#147;Underwriting&#148; in the Preliminary Prospectus and the Prospectus (and any corresponding information in the Time of Sale Prospectus) and the information contained in the third, seventh,
fourteenth (including but not limited to the bulleted items therein) and fifteenth paragraphs under the caption &#147;Underwriting&#148; in the Preliminary Prospectus and the Prospectus, it being understood that 32 paragraphs appear within the
&#147;Underwriting&#148; section. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The Incorporated Documents, when they were filed with the Commission, as the case may be, conformed
in all material respects to the requirements of the Securities Act and the Exchange Act, as applicable; and none of the Incorporated Documents, when such documents were filed with the Commission, contained any untrue statement of a material fact or
omitted to state any material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading; and any further
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
documents so filed and incorporated by reference in the Time of Sale Prospectus or the Prospectus, when such documents are filed with the Commission, will conform in all material respects to the
requirements of the Exchange Act and will not contain any untrue statement of a material fact or omit to state any material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances in which
they were made, not misleading. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Company meets the requirements to use free writing prospectuses in connection with the offering of
the Shares pursuant to Rules&nbsp;164 and 433 of the Securities Act. Any free writing prospectus that the Company is required to file with the Commission pursuant to Rule 433(d) of the Securities Act has been, or will be, timely filed with the
Commission in accordance with the requirements of the Securities Act. Each issuer free writing prospectus (as defined in Rule 433(h)(1) under the Securities Act) that the Company has filed, or is required to file, pursuant to Rule 433(d) of the
Securities Act, or that was prepared by or on behalf of or used by the Company complies or will comply in all material respects with the requirements of the Securities Act. Except for the free writing prospectus(es), if any, identified in
Schedule&nbsp;2 hereto, the Company has not prepared, used or referred to, and will not, without the Underwriters&#146; prior consent, not to be unreasonably withheld or delayed, prepare, use or refer to, any free writing prospectus. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) No relationship, direct or indirect, exists between or among the Company on the one hand, and the directors, officers, shareholders,
customers or suppliers of the Company on the other hand, which is required to be described in each of the Time of Sale Prospectus and the Prospectus which is not so described. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) There are no contracts, agreements or other documents which are required to be described in each of the Time of Sale Prospectus and the
Prospectus or filed as exhibits to the Registration Statement or the Incorporated Documents by the Securities Act or the Exchange Act, as the case may be, which have not been described in each of the Time of Sale Prospectus and the Prospectus or
filed as exhibits to the Registration Statement or the Incorporated Documents. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Except as set forth in or contemplated by each of the
Time of Sale Prospectus and the Prospectus, the Company and its subsidiaries taken as a whole have not sustained, since the date of the latest audited financial statements included or incorporated by reference in the Time of Sale Prospectus, any
material loss or interference with its business from fire, explosion, flood or other calamity, whether or not covered by insurance, or from any labor dispute or court or governmental action, order or decree; since such date, there has not been any
material adverse change in the capital stock, short-term debt or long-term debt of the Company and its subsidiaries taken as a whole or any material adverse change, or any development involving a prospective material adverse change, in or affecting
the general affairs, management, consolidated financial position, results of operations, business or prospects of the Company and its subsidiaries, taken as a whole; and subsequent to the respective dates as of which information is given in the Time
of Sale Prospectus and up to the Delivery Date, except as set forth in the Time of Sale Prospectus, (A)&nbsp;neither the Company nor any of its subsidiaries has incurred any liabilities or obligations outside the ordinary course of business, direct
or contingent, which are material to the Company and its subsidiaries taken as a whole, nor entered into any material transaction not in the ordinary course of business and (B)&nbsp;there have not been dividends or distributions of any kind
declared, paid or made by Company on any class of its capital stock, except for regularly scheduled dividends. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Each of the Company and each of Reinsurance Company of Missouri, Incorporated, RGA
Reinsurance Company, RGA Reinsurance Company (Barbados) Ltd., RGA Life Reinsurance Company of Canada, RGA Atlantic Reinsurance Company Ltd., RGA Americas Reinsurance Company, Ltd., RGA Worldwide Reinsurance Company, Ltd. and Rockwood Reinsurance
Company (the &#147;<B><I>Significant Subsidiaries</I></B>&#148;), which are the Company&#146;s only &#147;significant subsidiaries&#148; (as defined under Rule&nbsp;405 of the Securities Act), has been duly organized, is validly existing as a
corporation in good standing under the laws of its respective jurisdiction of incorporation, has all requisite corporate power and authority to carry on its business as it is currently being conducted and in all material respects as described in
each of the Time of Sale Prospectus and the Prospectus and to own, lease and operate its properties, and is duly qualified and in good standing as a foreign corporation authorized to do business in each jurisdiction in which the nature of its
business or its ownership or leasing of property requires such qualification, except where the failure to so register or qualify would not, reasonably be expected, singly or in the aggregate, to result in a material adverse effect on the properties,
business, results of operations, condition (financial or otherwise), affairs or prospects of the Company and its subsidiaries, taken as a whole (a &#147;<B><I>Material Adverse Effect</I></B>&#148;). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) The entities listed on Schedule&nbsp;3 hereto are the Significant Subsidiaries, direct or indirect, of the Company. The Company owns,
directly or indirectly through other subsidiaries, the percentage indicated on Schedule&nbsp;3 of the outstanding capital stock or other securities evidencing equity ownership of such Significant Subsidiaries, free and clear of any security
interest, claim, lien, limitation on voting rights or encumbrance; and all of such securities have been duly authorized, validly issued, are fully paid and nonassessable and were not issued in violation of any preemptive or similar rights. There are
no outstanding subscriptions, preemptive or other rights, warrants, calls, commitments of sale or options to acquire, or instruments convertible into or exchangeable for, any such shares of capital stock or other equity interest of such Significant
Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) Neither the Company nor any of its subsidiaries is (i)&nbsp;in violation of its respective charter or bylaws (or
equivalent organizational documents), (ii)&nbsp;is in default in the performance of any bond, debenture, note, indenture, mortgage, deed of trust or other agreement or instrument to which it is a party or by which it is bound or to which any of its
properties is subject or (iii)&nbsp;is in violation of any law, statute, rule, regulation, judgment or court decree applicable to the Company, any of its subsidiaries or their assets or properties, except in the case of clauses (ii)&nbsp;and
(iii)&nbsp;for any such default or violation which would not reasonably be expected to have a Material Adverse Effect. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) The
catastrophic coverage arrangements described in each of the Time of Sale Prospectus and the Prospectus are in full force and effect as of the date hereof and all other retrocessional treaties and arrangements to which the Company or any of its
Significant Subsidiaries is a party and which have not terminated or expired by their terms are in full force and effect, and none of the Company or any of its Significant Subsidiaries is in violation of or in default in the performance, observance
or fulfillment of, any obligation, agreement, covenant or condition contained therein, except to the extent that any such violation or default would not </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
reasonably be expected to have a Material Adverse Effect; neither the Company nor any of its Significant Subsidiaries has received any notice from any of the other parties to such treaties,
contracts or agreements that such other party intends not to perform such treaty, contract or agreement that would reasonably be expected to have a Material Adverse Effect and, to the best knowledge of the Company, the Company has no reason to
believe that any of the other parties to such treaties or arrangements will be unable to perform such treaty or arrangement in any respect that would reasonably be expected to have a Material Adverse Effect. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) The execution, delivery and performance by the Company of this Agreement, the issuance and sale of the Shares and the consummation by the
Company of the transactions contemplated hereby and thereby will not violate or constitute a breach of any of the terms or provisions of, or a default under (or an event that with notice or the lapse of time, or both, would constitute a default), or
result in the imposition of a lien or encumbrance on any properties of the Company or any of its subsidiaries, or an acceleration of indebtedness pursuant to, (i)&nbsp;the charter or bylaws (or equivalent organizational documents) of the Company or
any of its subsidiaries, (ii)&nbsp;any bond, debenture, note, indenture, mortgage, deed of trust or other agreement or instrument to which the Company or any of its subsidiaries is a party or by which any of them or their property is or may be
bound, (iii)&nbsp;any statute, rule or regulation applicable to the Company, any of its subsidiaries or any of their assets or properties or (iv)&nbsp;any judgment, order or decree of any court or governmental agency or authority having jurisdiction
over the Company, any of its subsidiaries or their assets or properties, other than in the case of clauses (ii)&nbsp;through (iv), any violations, breaches, defaults or liens that would not reasonably be expected to have a Material Adverse Effect.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) No consent, approval, authorization or order of, or filing, registration, qualification, license or permit of or with, any court or
governmental agency, body or administrative agency is required for the execution, delivery and performance by the Company of this Agreement and the issuance and sale of the Shares, except such as (i)&nbsp;would not reasonably be expected to have a
Material Adverse Effect, (ii)&nbsp;would not prohibit or adversely affect the issuance and sale of any of the Shares, or (iii)&nbsp;have been obtained and made or, with respect to a current report on Form <FONT STYLE="white-space:nowrap">8-K,</FONT>
a Prospectus and a free writing prospectus to be filed with the Commission in connection with the issuance and sale of the Shares, will be made, under the Exchange Act or the Securities Act, as applicable, or as may be required under state or
foreign securities or Blue Sky laws and regulations, such as may be required by the Financial Industry Regulatory Authority, Inc. (&#147;<B><I>FINRA</I></B>&#148;) or has been obtained from the State of Missouri Department of Insurance. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o) Except as set forth in or contemplated by the Time of Sale Prospectus and the Prospectus, there is (i)&nbsp;no action, suit or proceeding
before or by any court, arbitrator or governmental agency, body or official, domestic or, foreign, now pending or threatened or, to the best knowledge of the Company, contemplated, to which the Company or any of its subsidiaries is or may be a party
or to which the business or property of the Company or any of its subsidiaries is or may be subject, (ii)&nbsp;no statute, rule, regulation or order that has been enacted, adopted or issued by any governmental agency or that has been proposed by any
governmental body having jurisdiction over the Company or its subsidiaries and (iii)&nbsp;no injunction, restraining order or order of any nature by a federal or state court or foreign court of competent jurisdiction to which the Company or any of
its subsidiaries is or may be subject issued that, in the case of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
clauses (i), (ii)&nbsp;and (iii)&nbsp;above, (x)&nbsp;would, singly or in the aggregate, reasonably be expected to result in a Material Adverse Effect or (y)&nbsp;would interfere with or
adversely affect the issuance and sale of any of the Shares by the Company. The Time of Sale Prospectus contains in all material respects the same description of the foregoing matters contained in the Prospectus. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p) None of the employees of the Company and its subsidiaries is represented by a union and, to the best knowledge of the Company and its
subsidiaries, no union organizing activities are taking place. Neither the Company nor any of its subsidiaries has violated any federal, state or local law or foreign law relating to discrimination in hiring, promotion or pay of employees, nor any
applicable wage or hour laws, nor any provision of the Employee Retirement Income Security Act of 1974, as amended, and the rules and regulations thereunder, or analogous foreign laws and regulations, which would reasonably be expected to result in
a Material Adverse Effect. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(q) Each of the Company and its subsidiaries has (i)&nbsp;good and, in the case of real property, merchantable
title to all of the properties and assets described in each of the Time of Sale Prospectus and the Prospectus as owned by it, free and clear of all liens, charges, encumbrances and restrictions, except such as are described in each of the Time of
Sale Prospectus and the Prospectus, or as would not reasonably be expected to have a Material Adverse Effect, (ii)&nbsp;peaceful and undisturbed possession under all leases to which it is party as lessee, (iii)&nbsp;all material licenses,
certificates, permits, authorizations, approvals, franchises and other rights from, and has made all declarations and filings with, all federal, state and local governmental authorities (including, without limitation, from the insurance regulatory
agencies of the various jurisdictions where it conducts business) and all courts and other governmental tribunals (each, an &#147;<B><I>Authorization</I></B>&#148;) necessary to engage in the business currently conducted by it in the manner
described in each of the Time of Sale Prospectus and the Prospectus, except where failure to hold such Authorizations would not reasonably be expected to have a Material Adverse Effect, (iv)&nbsp;fulfilled and performed all obligations necessary to
maintain each authorization and (v)&nbsp;no knowledge of any threatened action, suit or proceeding or investigation that would reasonably be expected to result in the revocation, termination or suspension of any Authorization, the revocation,
termination or suspension of which would reasonably be expected to have a Material Adverse Effect. Except as would not reasonably be expected to have a Material Adverse Effect, all such Authorizations are valid and in full force and effect and the
Company and its subsidiaries are in compliance in all material respects with the terms and conditions of all such Authorizations and with the rules and regulations of the regulatory authorities having jurisdiction with respect thereto. No insurance
regulatory agency or body has issued any order or decree impairing, restricting or prohibiting the payment of dividends by any subsidiary of the Company to its parent, other than any such orders or decrees the issuance of which would not reasonably
be expected to have a Material Adverse Effect. Except as would not reasonably be expected to have a Material Adverse Effect, all leases to which the Company or any of its subsidiaries is a party are valid and binding and no default by the Company or
any of its subsidiaries has occurred and is continuing thereunder. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(r) All tax returns required to be filed by the Company or any of its
subsidiaries, in all jurisdictions, have been so filed. All taxes, including withholding taxes, penalties and interest, assessments, fees and other charges due or claimed to be due from such entities or that are due and payable have been paid, other
than those being contested in good faith and for which adequate reserves have been provided or those currently payable without penalty or interest. The Company does not know of any material proposed additional tax assessments against it or any of
its subsidiaries. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(s) The Company is not, and after the application of the net proceeds from the sale of the
Shares will not be, an &#147;investment company&#148; as defined in the Investment Company Act of 1940, as amended, and the rules and regulations of the Commission thereunder (collectively, the &#147;<B><I>Investment Company Act</I></B>&#148;). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(t) The authorized, issued and outstanding capital stock of the Company has been validly authorized and issued, is fully paid and nonassessable
and was not issued in violation of or subject to any preemptive or similar rights; and such authorized capital stock conforms in all material respects to the description thereof set forth in each of the Time of Sale Prospectus and the Prospectus.
The Company had at March&nbsp;31, 2020, an authorized and outstanding capitalization as set forth in the section headed &#147;Capitalization&#148; of the Time of Sale Prospectus and the Prospectus, and, except as expressly set forth in the Time of
Sale Prospectus, since the date set forth in the Time of Sale Prospectus, (A)&nbsp;there are no outstanding preemptive or other rights, warrants or options to acquire, or instruments convertible into or exchangeable for, any shares of capital stock
or other equity interest in the Company or any of its subsidiaries, or any contract, commitment, agreement, understanding or arrangement of any kind relating to the issuance of any capital stock of the Company or any such subsidiary, any such
convertible or exchangeable securities or any such rights, warrants or options (except as contemplated by the terms of the Variable Rate Junior Subordinated Debentures due 2065 of the Company) and (B)&nbsp;there will have been no change in the
authorized or outstanding capitalization of the Company, except with respect to, in the case of each of clause (A)&nbsp;and (B)&nbsp;above, (i)&nbsp;changes occurring in the ordinary course of business and (ii)&nbsp;changes in outstanding Common
Stock and options or rights to acquire Common Stock resulting from transactions relating to the Company&#146;s employee benefit, dividend reinvestment or stock purchase plans. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(u) Except as disclosed or contemplated by the Time of Sale Prospectus and the Prospectus, the Company has not sold or issued any shares of
Common Stock during the <FONT STYLE="white-space:nowrap">six-month</FONT> period preceding the date of the Prospectus, including any sales pursuant to Rule&nbsp;144A under, or Regulation&nbsp;D or S of, the Securities Act other than shares issued
pursuant to employee benefit plans, qualified stock options plans or other employee compensation plans or pursuant to outstanding options, rights or warrants. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) The Company and each of its subsidiaries maintains insurance covering their properties, personnel and business. Such insurance insures
against such losses and risks as are adequate in accordance with the Company&#146;s perception of customary industry practice to protect the Company and its subsidiaries and their businesses. All such insurance is outstanding and duly in force on
the date hereof and will be outstanding and duly in force on the Delivery Date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(w) Neither the Company nor any agent thereof acting on
the behalf of the Company has taken, and none of them will take, any action that might cause the Agreement or the issuance and sale of the Shares to violate Regulation&nbsp;T (12 C.F.R. Part&nbsp;220), Regulation&nbsp;U (12 C.F.R. Part&nbsp;221) or
Regulation&nbsp;X (12 C.F.R. Part&nbsp;224) of the Board of Governors of the Federal Reserve System. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) Deloitte&nbsp;&amp; Touche LLP
(&#147;<B><I>Deloitte</I></B><B><I></I></B><B><I>&nbsp;&amp; Touche</I></B>&#148;), who has issued an unqualified opinion on the consolidated financial statements and supporting schedules included in the Company&#146;s Annual Report on Form <FONT
STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2019, included or incorporated by reference in each of the Time of Sale Prospectus and the Prospectus and has audited the Company&#146;s internal control over financial
reporting as of December&nbsp;31, 2019, is an independent registered public accounting firm as required by the Securities Act. The consolidated historical statements together with the related schedules and notes fairly present, in all material
respects, the consolidated financial condition and results of operations of the Company and its subsidiaries as of December&nbsp;31, 2019 and 2018 and for each of the three years in the period ended December&nbsp;31, 2019 in accordance with United
States generally accepted accounting principles consistently applied throughout such periods. Other historical financial and accounting information and data included or incorporated by reference in each of the Time of Sale Prospectus and the
Prospectus, were compared to such financial statements and the books and records of the Company and its subsidiaries, except as may otherwise be indicated in the comfort letter provided by Deloitte&nbsp;&amp; Touche. The interactive data in
eXtensible Business Reporting Language included or incorporated by reference in each of the Registration Statement, the Time of Sale Prospectus and the Prospectus fairly presents the information called for in all material respects and is prepared in
all material respects in accordance with the Commission&#146;s rules and guidelines applicable thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(y) The 2019 statutory annual
statements of each of the Company&#146;s U.S. subsidiaries which is regulated as an insurance company (collectively, the &#147;<B><I>Insurance Subsidiaries</I></B>&#148;) and the statutory balance sheets and income statements included in such
statutory annual statements together with related schedules and notes, have been prepared, in all material respects, in conformity with statutory accounting principles or practices required or permitted by the appropriate Insurance Department of the
jurisdiction of domicile of each such subsidiary, and such statutory accounting practices have been applied on a consistent basis throughout the periods involved, except as may otherwise be indicated therein or in the notes thereto, and present
fairly, in all material respects, the statutory financial position of the Insurance Subsidiaries as of the dates thereof, and the statutory basis results of operations of the Insurance Subsidiaries for the periods covered thereby. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(z) The Company is not aware of any threatened or pending downgrading of the long-term debt rating or any other claims-paying ability rating of
the Company or any Significant Subsidiaries, other than as set forth or described in the Time of Sale Prospectus. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(aa) There are no
contracts, agreements or understandings between the Company, any of the subsidiaries of the Company and any person granting such person the right to require the Company to file a registration statement under the Securities Act with respect to any
securities of the Company owned or to be owned by such person. The Time of Sale Prospectus contains in all material respects the same description of the foregoing matters contained in the Prospectus. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(bb) The Company has all necessary corporate power and authority to execute and deliver this Agreement and to perform its obligations
hereunder; this Agreement has been duly authorized, executed and delivered by the Company. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(cc) The Shares have been duly authorized for issuance and sale by the Company pursuant to
this Agreement and, when duly issued and delivered pursuant to the provisions of this Agreement against payment of the consideration therefor in accordance with this Agreement, will be validly issued, free of preemptive rights, fully paid and
nonassessable. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(dd) Neither the Company, nor to its knowledge, any of its Affiliates (as defined in Regulation&nbsp;C of the Securities
Act, an &#147;<B><I>Affiliate</I></B>&#148;), has taken or will take, directly or indirectly, any action designed to cause or result in, or which has constituted or which might reasonably be expected to constitute, the stabilization or manipulation
of the price of the Shares to facilitate the sale or resale of such Shares. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ee) Each certificate signed by any officer of the Company and
delivered to the Underwriters or counsel for the Underwriters shall be deemed to be a representation and warranty by the Company to the Underwriters as to the matters covered thereby. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ff) The Company maintains a system of internal control over financial reporting (as such term is defined in
<FONT STYLE="white-space:nowrap">Rule&nbsp;13a-15(f)</FONT> of the Exchange Act) that complies with the requirements of the Exchange Act and has been designed by the Company&#146;s principal executive officer and principal financial officer, or
under their supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with United States generally accepted accounting principles.
The Company&#146;s internal control over financial reporting is effective and the Company is not aware of any material weaknesses in its internal control over financial reporting. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(gg) Since the date of the latest financial statements included or incorporated by reference in each of the Time of Sale Prospectus and the
Prospectus, there has been no change in the Company&#146;s internal control over financial reporting that has materially affected, or is reasonably likely to materially affect, the Company&#146;s internal control over financial reporting. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(hh) The Company has established and maintains disclosure controls and procedures (as such terms are defined in
<FONT STYLE="white-space:nowrap">Rule&nbsp;13a-15(e)</FONT> of the Exchange Act) in accordance with the rules and regulations under the Sarbanes-Oxley Act of 2002 (the &#147;<B><I>Sarbanes-Oxley Act</I></B>&#148;) and the Exchange Act. Such
disclosure controls and procedures (a)&nbsp;are designed to provide reasonable assurance that material information relating to the Company and its subsidiaries is made known to the Company&#146;s Chief Executive Officer and its Chief Financial
Officer by others within those entities. Such disclosure controls and procedures are effective to provide such reasonable assurance. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)
Neither the Company nor any of its subsidiaries nor, to the knowledge of the Company, any director, officer, agent, employee, affiliate or other person associated with or acting on behalf of the Company or any of its subsidiaries has (i)&nbsp;used
any corporate funds for any unlawful contribution, gift, entertainment or other unlawful expense relating to political activity; (ii)&nbsp;made any direct or indirect unlawful payment to any foreign or domestic government official or employee from
corporate funds; (iii)&nbsp;violated or is in violation of any provision of the Foreign Corrupt Practices Act of 1977, as amended, The Corruption of Foreign Public Officials Act (Canada), any applicable law or regulation implementing the OECD
Convention on Combating Bribery of Foreign Public Officials in International Business </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Transactions, the Bribery Act 2010 of the United Kingdom or any other applicable anti-bribery or anti-corruption law; or (iv)&nbsp;made any bribe, rebate, payoff, influence payment, kickback or
other unlawful payment. The Company and its subsidiaries have instituted and maintain commercially reasonable policies and procedures designed to ensure compliance with all applicable anti-bribery and anti-corruption laws. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(jj) The operations of the Company and its subsidiaries are and have been conducted at all times in compliance with applicable financial
recordkeeping and reporting requirements of the Currency and Foreign Transactions Reporting Act of 1970, as amended, the money laundering or terrorist financing statutes of all jurisdictions in which the Company or any of its subsidiaries owns
property, assets or conducts its respective operations, the rules and regulations thereunder and any related or similar rules, regulations or guidelines, issued, administered or enforced by any governmental agency (collectively, the
&#147;<B><I>Money Laundering Laws</I></B>&#148;), and no action, suit or proceeding by or before any court or governmental agency, authority or body or any arbitrator involving the Company or any of its subsidiaries with respect to the Money
Laundering Laws is pending or, to the knowledge of the Company, threatened. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(kk) None of the Company, any of its subsidiaries or, to the
knowledge of the Company, any director, officer, agent, employee or affiliate of the Company or any of its subsidiaries is currently the subject or the target of any sanctions administered or enforced by the U.S. Government, including, without
limitation, the Office of Foreign Assets Control of the U.S. Department of the Treasury (&#147;<B><I>OFAC</I></B>&#148;), the United Nations Security Council (&#147;<B><I>UNSC</I></B>&#148;), the European Union, Her Majesty&#146;s Treasury
(&#147;<B><I>HMT</I></B>&#148;), or other relevant sanctions authority (collectively, &#147;<B><I>Sanctions</I></B>&#148;), and the Company will not directly or, knowingly, indirectly use the proceeds of the offering of the Shares hereunder, or
lend, contribute or otherwise make available such proceeds to any subsidiary, joint venture partner or other person or entity (i)&nbsp;for the purpose of financing any activities of or business with any person, or in any country or territory, that,
at the time of such funding, is the subject of Sanctions or (ii)&nbsp;in any other manner that will result in a violation by any person (including any person participating in the transaction, whether as underwriter, advisor, investor or otherwise)
of Sanctions, nor is the Company resident, located or organized in any country that is the subject of Sanctions (each, a &#147;<B><I>Sanctioned Country</I></B>&#148;). For the past five years, the Company and its subsidiaries have not knowingly
engaged in and are not now knowingly engaged in any dealings or transactions with any person that, to the knowledge of the Company, at the time of the dealing or transaction is or was the subject or the target of Sanctions or with any Sanctioned
Country. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ll) Except as would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect, the Company
and its subsidiaries&#146; information technology assets and equipment, computers, systems, networks, hardware, software, websites, applications, and databases (collectively, &#147;<B><I>IT Systems</I></B>&#148;) are adequate for, and operate and
perform as required in connection with the operation of the business of the Company and its subsidiaries as currently conducted. Except as would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect,
(i)&nbsp;the Company and its subsidiaries have implemented and maintained commercially reasonable controls, policies, procedures, and safeguards to maintain and protect their confidential information and the integrity, continuous operation,
redundancy and security of all IT Systems and data (including all personal, personally identifiable, sensitive, confidential or regulated data (&#147;<B><I>Personal Data</I></B>&#148;)) used in connection with their businesses and
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
(ii) to the knowledge of the Company, there have been no breaches, violations, outages or unauthorized uses of or accesses to same. The Company and its subsidiaries are presently in compliance in
all material respects with all applicable laws or statutes and all judgments, orders, rules and regulations of any court or arbitrator or governmental or regulatory authority, internal policies and contractual obligations relating to the privacy and
security of IT Systems and Personal Data and to the protection of such IT Systems and Personal Data from unauthorized use, access, misappropriation or modification. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. <I>Purchase of the Shares by the Underwriters</I>. On the basis of the representations and warranties made herein, and subject to the terms
and conditions herein set forth, the Company agrees to sell to each of the Underwriters, and each of the Underwriters agrees, severally and not jointly, to purchase from the Company the aggregate number of Firm Shares set forth opposite their
respective names in Schedule&nbsp;1 hereto. The price of the Firm Shares shall be $78.3675 per share with regard to the Firm Shares being resold by the Underwriters. The Company shall not be obligated to deliver any of the Firm Shares to be
delivered on the First Delivery Date (as defined below) except upon payment for all the Firm Shares to be purchased on the First Delivery Date as provided herein. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. <I>Offering of Shares by the Underwriters</I>. The several Underwriters propose to offer the Shares for sale upon the terms and conditions
set forth in the Prospectus. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. <I>Delivery of and Payment for the Shares</I>. (a)&nbsp;Delivery of and payment for the Firm Shares shall
be made at the office of Simpson Thacher&nbsp;&amp; Bartlett LLP, 425 Lexington Avenue, New York, New York 10017, at 10:00&nbsp;a.m. (New York City time) on the second full business day (or on the third full business day if the pricing of the Shares
occurs after 4:30 p.m., New York City time, on the date hereof) following the date of this Agreement, or at such other date or place as shall be determined by agreement among the Underwriters and the Company (such date and time of delivery of and
payment for the Firm Shares, the &#147;<B><I>First Delivery Date</I></B>&#148;). On the First Delivery Date, the Company shall deliver or cause to be delivered certificates representing the Shares to the Underwriters for the account of each
Underwriter against payment to or upon the order of the Company of the purchase price by wire transfer in immediately available funds. Time shall be of the essence, and delivery at the time and place specified pursuant to this Agreement is a further
condition of the obligation of each Underwriter hereunder. Upon delivery, the Shares shall be registered in such names and in such denominations as the Representatives shall request in writing not less than two full business days prior to the First
Delivery Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Representatives so elect, delivery of the Firm Shares may be made by credit through full fast transfer to the
accounts at The Depository Trust Company designated by the Representatives. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company hereby grants the Option to the Underwriters
to purchase the Option Shares at the same purchase price per share as the Underwriters shall pay for the Firm Shares being resold by the Underwriters. The Option may be exercised in whole or in part from time to time at any time not more than
30&nbsp;days subsequent to the date of this Agreement upon notice in writing delivered by facsimile by the Representatives, on behalf of themselves and the other Underwriters to the Company setting forth the number of whole Option Shares as to which
the Underwriters are exercising the Option. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The date for the delivery of and payment for the Option Shares, being herein referred to as
an &#147;<B><I>Option Delivery Date</I></B>&#148;, which may be the First Delivery Date (the First Delivery Date and the Option Delivery Date, if any, being sometimes referred to as a &#147;<B><I>Delivery Date</I></B>&#148;), shall be determined by
the Underwriters but shall not be later than five full business days after written notice of election to purchase Option Shares is given. On the Option Delivery Date, the Company shall deliver or cause to be delivered certificates representing the
Option Shares to the Underwriters for the account of each Underwriter against payment to or upon the order of the Company of the purchase price by wire transfer in immediately available funds. Time shall be of the essence, and delivery at the time
and place specified pursuant to this Agreement is a further condition of the obligation of each Underwriter hereunder. Upon delivery, the Option Shares shall be registered in the name and in such denominations as the Representatives shall request in
writing not less than two full business days prior to the Option Delivery Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Representatives so elect, delivery of the Option
Shares may be made by credit through full fast transfer to the accounts at The Depository Trust Company designated by the Representatives. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. <I>Further Agreements</I>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5A. <I>Further Agreements of the Company</I>. The Company further agrees, for the benefit of each of the Underwriters: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) To prepare the Prospectus in a form approved by the Underwriters which approval shall not be unreasonably withheld or delayed, and to file
such Prospectus pursuant to Rule 424(b) under the Securities Act not later than Commission&#146;s close of business on the second business day following the execution and delivery of this Agreement or, if applicable, such earlier time as may be
required by Rule&nbsp;430A(a)(3) under the Securities Act; to make no further amendment or any supplement to the Registration Statement or the Prospectus prior to any applicable Delivery Date or to the Time of Sale Prospectus prior to its first use
on the date hereof, except as permitted herein; to advise the Underwriters, promptly after it receives notice thereof, of the time when any amendment to the Registration Statement has been filed or becomes effective or any supplement to the Time of
Sale Prospectus or the Prospectus or any amended Time of Sale Prospectus or Prospectus has been filed with the Commission and to furnish the Underwriters with copies thereof; to file promptly all reports and any definitive proxy or information
statements required to be filed by the Company with the Commission pursuant to Section&nbsp;13(a), 13(c), 14 or 15(d) of the Exchange Act subsequent to the date of the Prospectus and for so long as the delivery of a prospectus is required by
applicable law in connection with the offering or sale of the Shares; to advise the Underwriters, promptly after it receives notice thereof, of the issuance by the Commission of any stop order or of any order preventing or suspending the use of any
of the Registration Statement, the Preliminary Prospectus, the Time of Sale Prospectus or the Prospectus, of the suspension of the qualification of the Shares for offering or sale in any jurisdiction, of the initiation or threatening of any
proceeding for any such purpose, of the initiation or threatening of any proceeding for that purpose or pursuant to Section&nbsp;8A of the Securities Act or of any request by the Commission for the amending or supplementing of the Registration
Statement, the Preliminary Prospectus, the Time of Sale Prospectus or the Prospectus or for additional information; and, in the event of the issuance of any stop order or of any order preventing or suspending the use of any of the Registration
Statement, the Preliminary Prospectus, the Time of Sale Prospectus or the Prospectus or suspending any such qualification, to use promptly its reasonable best efforts to obtain its withdrawal; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) To furnish promptly to the Underwriters and to counsel for the Underwriters, upon
request, a signed or facsimile signed copy of the Registration Statement as originally filed with the Commission, and each amendment thereto filed with the Commission, including all consents and exhibits filed therewith; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) To deliver promptly to the Underwriters such number of the following documents as the Underwriters shall reasonably request:
(i)&nbsp;conformed copies of the Registration Statement as originally filed with the Commission and each amendment thereto (in each case excluding exhibits) and (ii)&nbsp;each Preliminary Prospectus, the Time of Sale Prospectus, the Prospectus and
any amended or supplemented Preliminary Prospectus, Time of Sale Prospectus or Prospectus, and, if the delivery of a prospectus (or in lieu thereof the notice referred to in Rule 173(a) of the Securities Act) is required at any time after the
Effective Time in connection with the offering or sale of the Shares and, if at such time, any events shall have occurred as a result of which the Time of the Sale Prospectus or the Prospectus, as the case may be, as then amended or supplemented
would include an untrue statement of a material fact or omit to state any material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made when such Time of Sale Prospectus or Prospectus
is delivered (or in lieu thereof the notice referred to in Rule 173(a) of the Securities Act), not misleading, or, if for any other reason it shall be necessary to amend or supplement the Time of Sale Prospectus or the Prospectus in order to comply
with the Securities Act, to notify the Underwriters and, upon their request, to prepare and furnish without charge to the Underwriters and to any dealer in securities as many copies as the Underwriters may from time to time reasonably request of an
amended or supplemented Time of Sale Prospectus or Prospectus which will correct such statement or omission or effect such compliance; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)
Before amending or supplementing the Registration Statement, the Time of Sale Prospectus or the Prospectus, to furnish to the Underwriters a copy of each such proposed amendment or supplement and not to file any such proposed amendment or supplement
to which the Underwriters reasonably object, in each case, other than the free writing prospectus(es) identified on Schedule&nbsp;2; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)
To file promptly with the Commission any amendment to the Registration Statement, the Time of Sale Prospectus or the Prospectus or any supplement to the Time of Sale Prospectus or the Prospectus that may, in the reasonable judgment of the Company or
the Underwriters, be required by the Securities Act or is requested by the Commission; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) To furnish to the Underwriters a copy of each
proposed free writing prospectus to be prepared by or on behalf of, used by, or referred to by the Company and not to use or refer to any proposed free writing prospectus to which the Underwriters reasonably object, in each case, other than the free
writing prospectus(es) identified on Schedule&nbsp;2; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) To obtain the Underwriters&#146; consent, not to be unreasonably withheld or delayed,
before taking, or failing to take, any action that would cause the Company to be required to file a free writing prospectus pursuant to Rule 433(d) of the Securities Act, other than the free writing prospectus(es) listed in Schedule&nbsp;2 hereto;
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Not to take any action that would result in an Underwriter being required to file with the Commission pursuant to Rule 433(d) of the
Securities Act a free writing prospectus prepared by or on behalf of the Underwriter that the Underwriter otherwise would not have been required to file thereunder; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) If the Time of Sale Prospectus is being used to solicit offers to buy the Shares at a time when the Prospectus is not yet available to
prospective purchasers and (A)&nbsp;any event shall occur or condition exist as a result of which it is necessary to amend or supplement the Time of Sale Prospectus in writing in order to make the statements therein, in the light of the
circumstances under which they are made, not misleading, (B)&nbsp;if any event shall occur or condition exist as a result of which the Time of Sale Prospectus conflicts with the information contained in the Registration Statement or (C)&nbsp;if, in
the opinion of counsel for the Underwriters, it is necessary to amend or supplement the Time of Sale Prospectus to comply with applicable law, then the Company shall, with respect to clause (A) , (B)&nbsp;or (C), as the case may be, forthwith
prepare, file with the Commission and furnish, at its own expense, to the Underwriters and to any dealer upon request, either amendments or supplements to the Time of Sale Prospectus so that statements in the Time of Sale Prospectus as so amended or
supplemented (X)&nbsp;will not, in the light of the circumstances under which they are made, when conveyed to a prospective purchaser, be misleading, (Y)&nbsp;so that the Time of Sale Prospectus, as amended or supplemented, will no longer conflict
with the Registration Statement or (Z)&nbsp;so that the Time of Sale Prospectus as so amended or supplemented otherwise complies with applicable law, as the case may be; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) For so long as the delivery of a prospectus (or in lieu thereof the notice referred to in Rule 173(a) of the Securities Act) is required in
connection with the initial offering or sale of the Shares, prior to filing with the Commission any amendment to the Registration Statement or supplement to the Time of Sale Prospectus or the Prospectus and any document incorporated by reference in
the Time of Sale Prospectus or in the Prospectus pursuant to Rule&nbsp;424 of the Securities Act, to furnish a copy thereof to the Underwriters and counsel for the Underwriters and obtain the consent of the Underwriters to such filing; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) As soon as practicable after the Effective Date, to make generally available to the Company&#146;s security holders and to deliver to the
Underwriters an earnings statement of the Company and its subsidiaries (which need not be audited) complying with Section&nbsp;11(a) of the Securities Act (including, at the option of the Company, Rule&nbsp;158 of the Securities Act); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) Promptly from time to time, to take such action as the Representatives may reasonably request to qualify the Shares for offering and sale
under the securities laws of such jurisdictions in the United States as the Representatives may request and in such other jurisdictions as the Company and the Representatives may mutually agree, and to comply with such laws so as to permit the
continuance of sales and dealings therein in such jurisdictions for as long as may be necessary to complete the distribution of the Shares; <I>provided </I>that, in connection therewith, the Company shall not be required to qualify as a foreign
corporation or to file a general consent to service of process in any jurisdiction; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) Not to take, directly or indirectly, any action which is designed to stabilize or
manipulate, or which constitutes or which might reasonably be expected to cause or result in stabilization or manipulation, of the price of any security of the Company in connection with the initial offering of the Shares (except after consultation
with the Underwriters and as may be permitted by under federal securities laws); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) To use its commercially reasonable efforts to list,
subject to official notice of issuance, the Shares on the New York Stock Exchange (the &#147;<B><I>NYSE</I></B>&#148;); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o) To apply the
net proceeds from the issuance of the Shares as set forth under &#147;Use of Proceeds&#148; in the Prospectus; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p) To take such steps as
shall be necessary to ensure that the Company and its Significant Subsidiaries shall not become an &#147;investment company&#148; as defined in the Investment Company Act; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(q) For a period of 90&nbsp;days after the date of the Prospectus not to (i)&nbsp;offer, pledge, announce the intention to sell, sell, contract
to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or warrant to purchase or otherwise transfer or dispose of, directly or indirectly, any of the Shares or any other securities that are
substantially similar to the Shares or any securities convertible into or exercisable or exchangeable for any of the Shares or such other securities (ii)&nbsp;enter into any swap or other agreement that transfers, in whole or in part, any of the
economic consequences of ownership of any of the Shares or such other securities, whether any such transaction described in clause (i)&nbsp;or (ii)&nbsp;above is to be settled by delivery of any of the Shares of the Company or such other securities,
in cash or otherwise without the prior written consent of the Representatives, which shall not be unreasonably withheld or delayed, except that the foregoing restrictions shall not apply to (A)&nbsp;the issuance by the Company of shares of Common
Stock or options or rights to acquire shares of Common Stock pursuant to employee benefit plans existing on the date hereof, including, without limitation, stock option and restricted stock plans existing on, or upon the conversion or exchange of
convertible or exchangeable securities outstanding as of, the date hereof, (B)&nbsp;the issuance of the Shares to be sold hereunder, (C)&nbsp;the issuance or transfer of any of the Shares pursuant to existing reservations, agreements and stock
incentive plans, and (D)&nbsp;the issuance of shares of Common Stock pursuant to existing warrants. In addition, the Company shall cause the executive officers and directors of the Company, each of which are listed on Schedule&nbsp;4 hereof, to
enter into an agreement with the Underwriters, the form of which is contained in Schedule&nbsp;5 hereto, to the effect of the agreement of the Company contained in this paragraph and deliver such agreements by the date hereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5B. <I>Further Agreement of the Underwriters</I>. Each Underwriter severally covenants with the Company (1)&nbsp;not to take any action that
would result in the Company being required to file with the Commission under Rule 433(d) a free writing prospectus prepared by or on behalf of such Underwriter that otherwise would not be required to be filed by the Company thereunder, but for the
action of the Underwriter and (2)&nbsp;to comply with the selling restrictions relating to <FONT STYLE="white-space:nowrap">non-U.S.</FONT> jurisdictions set forth in paragraphs eighteen through <FONT STYLE="white-space:nowrap">thirty-two</FONT> of
the &#147;Underwriting&#148; section of the Preliminary Prospectus and Prospectus. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. <I>Expenses</I>. Whether or not the transactions contemplated by this Agreement are
consummated or this Agreement becomes effective or is terminated, the Company agrees to pay or cause to be paid: (a)&nbsp;the costs incident to the issuance, sale and delivery of the Shares; (b)&nbsp;the costs incident to the preparation, printing
and filing under the Securities Act of the Registration Statement and any amendments and exhibits thereto, any Preliminary Prospectus and any Prospectus or any amendment or supplement thereto; (c)&nbsp;the costs of distributing the Registration
Statement as originally filed and each amendment thereto and any post-effective amendments thereof (including, in each case, exhibits), any Preliminary Prospectus, the Time of Sale Prospectus, the Prospectus and any amendment or supplement to any
Preliminary Prospectus, the Time of Sale Prospectus or the Prospectus, in each case, as provided in this Agreement; (d)&nbsp;the costs of preparing and distributing the terms of any agreement relating to the organization of the underwriting
syndicate and selling group to the members (such as an agreement among underwriters) thereof, by mail, telex or other reasonable means of communication; (e)&nbsp;the costs, if any, of producing and distributing this Agreement; (f)&nbsp;the fees and
expenses of qualifying the Shares under the securities laws of the several jurisdictions in the United States as provided in Section&nbsp;5A(l) and of preparing, photocopying and distributing a U.S. Blue Sky memorandum (including reasonable related
fees and expenses of counsel to the Underwriters in connection therewith); (g) the expenses of the Company and the Underwriters in connection with the marketing and offering of the Shares, including, if applicable, all reasonable costs and expenses
incident to the preparation of &#147;road show&#148; presentation or comparable marketing materials and the road show traveling expenses of the Company in connection with the offering of the Shares; (h)&nbsp;all expenses and fees in connection with
the application for supplemental listing of the Shares on the NYSE, subject to official notice of issuance; (i)&nbsp;the fees and expenses of the Company&#146;s counsel, transfer agents and independent accountants; and (j)&nbsp;all other costs and
expenses incident to the performance of the obligations of the Company under this Agreement; <I>provided</I>, however, that, except as provided in this Section&nbsp;6, in Section&nbsp;8 and in Section&nbsp;11, the Underwriters shall pay their own
costs and expenses, including the costs and expenses of their counsel and any transfer taxes on the Shares which they may <FONT STYLE="white-space:nowrap">re-sell.</FONT> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. <I>Conditions of the Underwriters&#146; Obligations</I>. The several obligations of the Underwriters hereunder are subject to the accuracy,
on the date hereof and on the Delivery Date, of the representations and warranties of the Company contained herein, to the performance by the Company of its obligations hereunder, and to the satisfaction of each of the following additional
conditions and agreements: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Prospectus, and any free writing prospectus that is required to be filed with the Commission pursuant
to Rule 433(d) of the Securities Act, shall have been timely filed with the Commission by the Company in accordance with Section&nbsp;5A(a) of this Agreement; no stop order suspending the effectiveness of the Registration Statement or any part
thereof shall have been issued and no proceeding for that purpose or pursuant to Section&nbsp;8A under the Securities Act shall have been initiated or threatened by the Commission; and any request of the Commission for inclusion of additional
information in the Registration Statement or the Prospectus or otherwise shall have been complied with in all material respects. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) No Underwriter shall have discovered and disclosed to the Company on or prior to the
date hereof or the Delivery Date, that, in the opinion of Simpson Thacher&nbsp;&amp; Bartlett LLP, counsel to the Underwriters, any part of the Registration Statement or any amendment thereto, contained, as of its Effective Date or as of the
Delivery Date, an untrue statement of a material fact or omitted to state a material fact required to be stated therein or necessary to make the statements therein not misleading or that the Time of Sale Prospectus or the Prospectus or any
supplement thereto, contains and will contain, as of the date hereof and the Delivery Date, an untrue statement of a material fact or omits and will omit to state a material fact required to be stated therein or necessary to make the statements
therein, in the light of the circumstances under which they were made, not misleading. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) All corporate proceedings and other legal
matters incident to the authorization, form and validity of the Registration Statement, the Preliminary Prospectus, the Time of Sale Prospectus, the Prospectus, this Agreement and the Shares, and all other legal matters relating to the offering,
issuance and sale of the Shares and the transactions contemplated hereby and thereby shall be reasonably satisfactory in all material respects to counsel to the Underwriters. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Bryan Cave Leighton Paisner LLP, special counsel to the Company, shall have furnished to the Underwriters its written opinion, addressed to
the Underwriters and dated the Delivery Date, in form and substance reasonably satisfactory to the Underwriters, substantially in the form set forth in Annex I hereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) William L. Hutton, Esq., Executive Vice President, General Counsel and Secretary of the Company, shall have furnished to the Underwriters
his written opinion, addressed to the Underwriters and dated such Delivery Date, in form and substance reasonably satisfactory to the Underwriters, substantially in the form set forth in Annex II hereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Simpson Thacher&nbsp;&amp; Bartlett LLP shall have furnished to the Underwriters its written opinion, as counsel to the Underwriters,
addressed to the Underwriters and dated the applicable Delivery Date, in form and substance reasonably satisfactory to the Underwriters. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) By the date hereof and on the applicable Delivery Date, Deloitte&nbsp;&amp; Touche shall have furnished to the Underwriters its letters, in
form and substance reasonably satisfactory to the Underwriters, containing statements and information of the type customarily included in accountants&#146; initial and bring-down &#147;comfort letters&#148; to underwriters with respect to the
financial statements and certain financial information contained and incorporated by reference in the Registration Statement, the Time of Sale Prospectus and the Prospectus. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) The Company shall have furnished to the Underwriters a certificate, dated the Delivery Date, of its President or any Executive or Senior
Vice President and its principal financial or accounting officer or treasurer, stating, in the name of and in their capacity as officers of the Company, that: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) The representations, warranties and agreements of the Company in Section&nbsp;1 are true and correct in all material
respects (except to the extent already qualified by materiality, in which case said representations, warranties and agreements shall be true and correct in all respects) as of the date hereof and the applicable Delivery Date; the Company has
complied with, in all material respects, all of its agreements contained herein to be performed prior to or on such Delivery Date; and the conditions set forth in Section&nbsp;7 have been fulfilled. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) (A)&nbsp;Neither the Company nor any of its subsidiaries has sustained
since the date of the latest audited financial statements included or incorporated by reference in each of the Time of Sale Prospectus and the Prospectus any material loss or interference with its business from (I)&nbsp;any governmental or
regulatory action, notice, order or decree of a regulatory authority or (II)&nbsp;fire, explosion, flood or other calamity, whether or not covered by insurance, or from any labor dispute or court, in each case, otherwise than as set forth in each of
the Time of Sale Prospectus and the Prospectus; (B)&nbsp;since such date there has not been any material change in the capital stock, short-term debt or long-term debt of the Company or any of its subsidiaries or any material adverse change, or any
development involving a prospective material adverse change, in or affecting the general affairs, management, consolidated financial position, results of operations or business of the Company and its subsidiaries taken as a whole, otherwise than as
set forth or contemplated in each of the Time of Sale Prospectus and the Prospectus; and (C)&nbsp;the Company has not declared or paid any dividend on its capital stock, except for dividends declared in the ordinary course of business and consistent
with past practice, otherwise than as set forth in each of the Time of Sale Prospectus and the Prospectus and, except as set forth or contemplated in each of the Time of Sale Prospectus and the Prospectus, neither the Company nor any of its
subsidiaries has entered into any transaction or agreement (whether or not in the ordinary course of business) material to the Company and its subsidiaries taken as a whole. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) They have carefully examined the Registration Statement, the Time of Sale Prospectus and the Prospectus and, in their
opinion (A)&nbsp;the Registration Statement, as of the Effective Date, did not include any untrue statement of a material fact and did not omit to state a material fact required to be stated therein or necessary to make the statements therein not
misleading, (B)&nbsp;the Time of Sale Prospectus, as of the date hereof and, as amended or supplemented, if applicable, as of the Delivery Date, did not include any untrue statement of a material fact and did not omit to state a material fact
required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading, (C)&nbsp;the Prospectus, as of the date hereof and as of the Delivery Date, did not include any
untrue statement of a material fact and did not omit to state a material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading and (D)&nbsp;since
the Effective Date, no event has occurred which should have been set forth in a supplement or amendment to the Registration Statement, the Time of Sale Prospectus or the Prospectus. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) On or prior to the Delivery Date, counsel to the Underwriters shall have been furnished with such documents as they may reasonably require
for the purpose of enabling them to pass upon the issuance and sale of the Shares as herein contemplated and related proceedings or in order to evidence the accuracy and completeness of any of the representations and warranties, or the fulfillment
of any of the conditions, herein contained; and all proceedings taken by the Company in connection with the issuance and sale of the Shares as herein contemplated shall be reasonably satisfactory in form and substance to the Underwriters and their
counsel. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) The Shares shall have been duly issued and delivered by the Company. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) The <FONT STYLE="white-space:nowrap">lock-up</FONT> letter agreements, each
substantially in the form of Schedule&nbsp;5 from the executive officers and directors of the Company listed in Schedule&nbsp;4 hereto, respectively, relating to sales and certain other dispositions of the Shares or certain other securities,
delivered to the Underwriters on or before the date hereof, shall have been in full force and effect since as of the date hereof and continue to be in full force and effect as of such Delivery Date. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) Neither the Company nor any of its subsidiaries (i)&nbsp;shall have sustained since the date of the latest audited financial statements
included or incorporated by reference in the Time of Sale Prospectus any loss or interference with its business from fire, explosion, flood or other calamity, whether or not covered by insurance, or from any labor dispute or court or governmental
action, order or decree, otherwise than as set forth or contemplated in each of the Time of Sale Prospectus and the Prospectus or (ii)&nbsp;since such date there shall not have been any change in the capital stock, short term debt or long-term debt
of the Company or any of its subsidiaries or any change, or any development involving a prospective change, in or affecting the general affairs, management, consolidated financial position, results of operations or business of the Company and its
subsidiaries, otherwise than as set forth or contemplated in each of the Time of Sale Prospectus and the Prospectus, the effect of which, in any such case described in clause (i)&nbsp;or (ii), is, in the judgment of the Underwriters, so material and
adverse as to make it impracticable or inadvisable to proceed with the offering or the delivery of the Shares being delivered on the Delivery Date on the terms and in the manner contemplated in the Time of Sale Prospectus and the Prospectus. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) Subsequent to the execution and delivery of this Agreement (i)&nbsp;no downgrading shall have occurred in the rating accorded the
Company&#146;s or any Significant Subsidiary&#146;s debt securities or financial strength by any &#147;nationally recognized statistical rating organization&#148;, as that term is defined by the Commission for purposes of Section&nbsp;3(a)(62) of
the Exchange Act, and (ii)&nbsp;no such organization shall have publicly announced or privately communicated to the Company or any Significant Subsidiary that it has under surveillance or review, with possible negative implications, its rating of
any of the Company&#146;s or any Significant Subsidiary&#146;s debt securities or financial strength, other than as specifically set forth in Section&nbsp;1(z) of this Agreement or as set forth or contemplated in each of the Time of Sale Prospectus
and the Prospectus. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) On or after the date hereof there shall not have occurred any of the following: (i)&nbsp;a suspension or material
limitation in trading in securities generally on the New York Stock Exchange; (ii)&nbsp;a suspension or material limitation in trading in the Company&#146;s securities on the New York Stock Exchange; (iii)&nbsp;a general moratorium on commercial
banking activities declared by either federal or New York State authorities or a material disruption in commercial banking or securities settlement or clearance services in the United States; (iv)&nbsp;the outbreak or escalation of hostilities
involving the United States or the declaration by the United States of a national emergency or war; or (v)&nbsp;the occurrence of any other calamity or crisis or any change in financial, political or economic conditions in the United States or
elsewhere, if the effect of any such event specified in clause (iv)&nbsp;or (v)&nbsp;in the judgment of the Underwriters makes it impracticable or inadvisable to proceed with the public offering, sale or the delivery of the Shares on the terms and
in the manner contemplated in the Time of Sale Prospectus and the Prospectus. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o) The Company shall have furnished to the Underwriters a certificate, dated the date
hereof and such Delivery Date, of its Chief Financial Officer in form reasonably satisfactory to the Representatives covering certain financial information of the Company contained in the Time of Sale Prospectus and the Prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All opinions, letters, evidence and certificates mentioned above or elsewhere in this Agreement shall be deemed to be in compliance with the
provisions hereof only if they are in form and substance reasonably satisfactory to counsel to the Underwriters. No opinion shall state that it is to be governed or qualified by, or that it is otherwise subject to, any treatise, written policy or
other document relating to legal opinions, including, without limitation, the Legal Opinion Accord of the ABA Section of Business Law (1991). All opinions (other than the opinion referred to in Section&nbsp;7(f) above) shall state that they may be
relied upon by Simpson Thacher&nbsp;&amp; Bartlett LLP as to matters of law (other than New York and federal law). </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. <I>Indemnification
and Contribution</I>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company shall indemnify and hold harmless each Underwriter, its affiliates, directors, officers and
employees and each person, if any, who controls any Underwriter within the meaning of the Securities Act, from and against any loss, claim, damage or liability, joint or several, or any action in respect thereof (including, but not limited to, any
loss, claim, damage, liability or action relating to purchases and sales of the Shares), to which that Underwriter, affiliate, officer, employee or controlling person may become subject, under the Securities Act or otherwise insofar as such loss,
claim, damage, liability or action arises out of, or is based upon, (i)&nbsp;any untrue statement or alleged untrue statement of a material fact contained in the Registration Statement, the Time of Sale Prospectus, any issuer free writing
prospectus, the Prospectus or in any amendment or supplement thereto or (ii)&nbsp;the omission or alleged omission to state in the Registration Statement, the Time of Sale Prospectus, any issuer free writing prospectus, the Prospectus or in any
amendment or supplement thereto, any material fact required to be stated therein or necessary to make the statements therein (and with respect to the Time of Sale Prospectus, the Prospectus or any such issuer free writing prospectus, in the light of
the circumstances under which such statements are made) not misleading; and shall reimburse each Underwriter and each such affiliate, director, officer, employee or controlling person promptly upon demand for any legal or other expenses reasonably
incurred by that Underwriter, affiliate, director, officer, employee or controlling person in connection with investigating or defending or preparing to defend against any such loss, claim, damage, liability or action as such expenses are incurred;
<I>provided, however</I>, that the Company shall not be liable in any such case to the extent that any such loss, claim, damage, liability or action arises out of or is based upon, any untrue statement or alleged untrue statement or omission or
alleged omission made in any Preliminary Prospectus, the Registration Statement, the Time of Sale Prospectus, any issuer free writing prospectus, or the Prospectus, or in any such amendment or supplement, in reliance upon and in conformity with the
written information concerning that Underwriter furnished to the Company through the Representatives by or on behalf of any Underwriter concerning that Underwriter expressly for inclusion therein (which consists of the information specified in
Section&nbsp;1(c)). The foregoing indemnity agreement is in addition to any liability which the Company may otherwise have to any Underwriter or to any affiliate, director, officer, employee or controlling person of that Underwriter. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each Underwriter, severally and not jointly, shall indemnify and hold harmless, the
Company, its officers and employees, each of its directors, and each person, if any, who controls the Company within the meaning of the Securities Act from and against any loss, claim, damage or liability, joint or several, or any action in respect
thereof, to which the Company, or any such director, officer, employee or controlling person may become subject, under the Securities Act or otherwise, insofar as such loss, claim, damage, liability or action arises out of, or is based upon,
(i)&nbsp;any untrue statement or alleged untrue statement of a material fact contained in the Registration Statement, the Time of Sale Prospectus, any issuer free writing prospectus, or the Prospectus or in any amendment or supplement thereto, or
(ii)&nbsp;the omission or alleged omission to state in the Registration Statement, the Time of Sale Prospectus, any issuer free writing prospectus, or the Prospectus or in any amendment or supplement thereto, any material fact required to be stated
therein or necessary to make the statements therein (and with respect to the Time of Sale Prospectus, the Prospectus or any such free writing prospectus, in the light of the circumstances under which such statements are made) not misleading, but in
each case only to the extent that the untrue statement or alleged untrue statement or omission or alleged omission was made in reliance upon and in conformity with the written information furnished to the Company through the Representatives by or on
behalf of that Underwriter expressly for inclusion therein (which consists of the information specified in Section&nbsp;1(c)), and shall reimburse the Company and any such director, officer, employee or controlling person promptly upon demand for
any legal or other expenses reasonably incurred by the Company or any such director, officer, employee or controlling person in connection with investigating or defending or preparing to defend against any such loss, claim, damage, liability or
action as such expenses are incurred. The foregoing indemnity agreement is in addition to any liability which any Underwriter may otherwise have to the Company or any such director, officer, employee or controlling person. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Promptly after receipt by an indemnified party under this Section&nbsp;8 of notice of any claim or the commencement of any action, the
indemnified party shall, if a claim in respect thereof is to be made against the indemnifying party under this Section&nbsp;8, notify the indemnifying party in writing of the claim or the commencement of that action; <I>provided</I>, however, that
the failure to notify the indemnifying party shall not relieve it from any liability which it may have under Section&nbsp;8(a), 8(b) or 8(d) except to the extent it has been materially prejudiced by such failure and, <I>provided, further</I>, that
the failure to notify the indemnifying party shall not relieve it from any liability which it may have to an indemnified party otherwise than under this Section&nbsp;8. If any such claim or action shall be brought against an indemnified party, and
it shall notify the indemnifying party thereof, the indemnifying party shall be entitled to participate therein and, to the extent that it wishes, jointly with any other similarly notified indemnifying party, to assume the defense thereof with
counsel satisfactory to the indemnified party. After notice from the indemnifying party to the indemnified party of its election to assume the defense of such claim or action, the indemnifying party shall not be liable to the indemnified party under
this Section&nbsp;8 for any legal or other expenses subsequently incurred by the indemnified party in connection with the defense thereof other than reasonable costs of investigation; <I>provided</I>, <I>however</I>, that the Underwriters shall each
have the right to employ separate counsel to represent the Underwriters and their respective affiliates, directors, officers, employees and controlling persons who may be subject to liability arising out of any claim in respect of which indemnity
may be sought by the Underwriters against the Company under this Section&nbsp;8 if, in the reasonable judgment of counsel to such Underwriters it is advisable for such </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Underwriters, affiliates, directors, officers, employees and controlling persons to be jointly represented by separate counsel, due to the availability of one or more legal defenses to them which
are different from or additional to those available to the indemnifying party, and in that event the reasonable fees and expenses of such separate counsel shall be paid by the Company; <I>provided further</I>, that the Company shall not be liable
for the fees and expenses of more than one separate firm of attorneys (in addition to one local counsel in each relevant jurisdiction) at any time for all such indemnified parties. No indemnifying party shall, (i)&nbsp;without the prior written
consent of the indemnified parties (which consent shall not be unreasonably withheld) settle or compromise or consent to the entry of any judgment with respect to any pending or threatened claim, action, suit or proceeding in respect of which
indemnification or contribution may be sought hereunder (whether or not the indemnified parties are actual or potential parties to such claim or action) unless such settlement, compromise or consent includes an unconditional release of each
indemnified party from all liability arising out of such claim, action, suit or proceeding, or (ii)&nbsp;be liable for any settlement of any such action effected without its written consent (which consent shall not be unreasonably withheld), but if
settled with its written consent or if there be a final judgment of the plaintiff in any such action, the indemnifying party agrees to indemnify and hold harmless any indemnified party from and against any loss or liability by reason of such
settlement or judgment. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) If the indemnification provided for in this Section&nbsp;8 shall for any reason be unavailable or insufficient
to hold harmless an indemnified party under Section&nbsp;8(a), 8(b) or 8(c) in respect of any loss, claim, damage or liability, or any action in respect thereof, referred to therein, other than to the extent that such indemnification is unavailable
or insufficient due to a failure to provide prompt notice in accordance with Section&nbsp;8(c), then each indemnifying party shall, in lieu of indemnifying such indemnified party, contribute to the amount paid or payable by such indemnified party as
a result of such loss, claim, damage or liability, or action in respect thereof, (i)&nbsp;in such proportion as shall be appropriate to reflect the relative benefits received by the Company on the one hand and the Underwriters on the other from the
offering of the Shares, or (ii)&nbsp;if the allocation provided by clause 8(d)(i) above is not permitted by applicable law, in such proportion as is appropriate to reflect not only the relative benefits referred to in clause 8(d)(i) but also the
relative fault of the Company on the one hand and the Underwriters on the other with respect to the statements or omissions or alleged statements or alleged omissions that resulted in such loss, claim, damage or liability, or action in respect
thereof, as well as any other relevant equitable considerations. The relative benefits received by the Company on the one hand and the Underwriters on the other with respect to such offering shall be deemed to be in the same proportion as the total
net proceeds from the offering of the Shares purchased under this Agreement (before deducting expenses) received by the Company on the one hand, and the total underwriting discounts and commissions realized or received by the Underwriters with
respect to the Shares purchased under this Agreement, on the other hand, bear to the total gross proceeds from the offering of the Shares under this Agreement, in each case, as set forth in the table on the cover page of the Prospectus. The relative
fault shall be determined by reference to whether the untrue or alleged untrue statement of a material fact or omission or alleged omission to state a material fact relates to information supplied by the Company or the Underwriters, the intent of
the parties and their relative knowledge, access to information and opportunity to correct or prevent such statement or omission. The Company and the Underwriters agree that it would not be just and equitable if the amount of contributions pursuant
to this Section&nbsp;8(d) were to be determined by pro rata allocation (even if the Underwriters were treated as one entity for such </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
purpose) or by any other method of allocation, which does not take into account the equitable considerations referred to herein. The amount paid or payable by an indemnified party as a result of
the loss, claim, damage or liability, or action in respect thereof, referred to above in this Section&nbsp;8(d) shall be deemed to include, for purposes of this Section&nbsp;8(d), any legal or other expenses reasonably incurred by such indemnified
party in connection with investigating or defending any such action or claim. Notwithstanding the provisions of this Section&nbsp;8(d), no Underwriter shall be required to contribute any amount in excess of the amount by which the total price at
which the Shares underwritten by it and distributed to the public were offered to the public exceeds the amount of any damages which such Underwriter has otherwise paid or become liable to pay by reason of any untrue or alleged untrue statement or
omission or alleged omission. No person guilty of fraudulent misrepresentation (within the meaning of Section&nbsp;11(f) of the Securities Act) shall be entitled to contribution from any person who was not guilty of such fraudulent
misrepresentation. The Underwriters&#146; obligations to contribute as provided in this Section&nbsp;8(d) are several in proportion to their respective underwriting obligations and not joint. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. <I>Defaulting Underwriters</I>. If, on any Delivery Date, any Underwriter defaults in the performance of its obligations under this
Agreement, the remaining nondefaulting Underwriters shall be obligated to purchase the number of Shares which the defaulting Underwriter agreed but failed to purchase on such Delivery Date in the respective proportions which the number of the Shares
set forth opposite the name of each remaining <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriter in Schedule&nbsp;1 hereto bears to the aggregate number of Shares set forth opposite the names of all the remaining <FONT
STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters in Schedule&nbsp;1 hereto; <I>provided, however</I>, that the remaining <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters shall not be obligated to purchase any of the
Shares on such Delivery Date if the total number of Shares which the defaulting Underwriter or Underwriters agreed but failed to purchase on such date exceeds 10% of the total aggregate number of the Shares to be purchased on the applicable Delivery
Date, and any remaining <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriter shall not be obligated to purchase more than 110% of the aggregate number of the Shares which it agreed to purchase on the applicable Delivery Date pursuant
to the terms of Section&nbsp;2. If the foregoing maximums are exceeded, the remaining <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters, or those other underwriters satisfactory to the Representatives who so agree, shall have the
right, but shall not be obligated, to purchase, in such proportion as may be agreed upon among them, the total number of Shares to be purchased on such Delivery Date. If the remaining Underwriters or other underwriters satisfactory to the
Representatives do not elect to purchase on such Delivery Date the aggregate number of Shares which the defaulting Underwriters agreed but failed to purchase, this Agreement (or with respect to the Option Delivery Date, the obligation of the
Underwriters to purchase the Option Shares) shall terminate without liability on the part of any <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriter and the Company, except that the Company will continue to be severally liable for the
payment of expenses to the extent set forth in Sections&nbsp;6 and 11 and that the provisions of Section&nbsp;8 hereof shall not terminate and shall remain in effect. As used in this Agreement, the term &#147;Underwriter&#148; includes, for all
purposes of this Agreement unless the context requires otherwise, any party not listed in Schedule&nbsp;1 hereto who, pursuant to this Section&nbsp;9, purchases Shares which a defaulting Underwriter agreed but failed to purchase. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Nothing contained herein shall relieve a defaulting Underwriter of any liability it may have
to the Company for damages caused by its default. If other underwriters are obligated or agree to purchase the Shares of a defaulting or withdrawing Underwriter, either the Representatives or the Company may postpone the applicable Delivery Date for
up to seven full business days in order to effect any changes that, in the opinion of counsel to the Company or counsel to the Underwriters, may be necessary in the Prospectus or in any other document or arrangement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. <I>Termination. </I>The obligations of the Underwriters hereunder may be terminated by the Underwriters by notice given to and received by
the Company prior to delivery of and payment for the Shares if, prior to that time, any of the events described in Sections&nbsp;7(l), 7(m) or 7(n) shall have occurred or if the Underwriters shall decline to purchase the Shares for any reason
permitted under this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11. <I>Reimbursement of Underwriters Expenses</I>. If (a)&nbsp;the Company shall fail to tender the Shares
for delivery to the Underwriters by reason of any failure, refusal or inability on the part of the Company to perform any agreement on its part to be performed, or because any other condition of the Underwriters&#146; obligations hereunder required
to be fulfilled by the Company (including, without limitation, with respect to the transactions) is not fulfilled (other than as a result of the condition described in Section&nbsp;7(n)) or (b)&nbsp;the Underwriters shall decline to purchase the
Shares for any reason permitted under this Agreement (including the termination of this Agreement pursuant to Section&nbsp;10) (other than as a result of the condition described in Section&nbsp;7(n), the Company shall reimburse the Underwriters for
all reasonable <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses (including fees and disbursements of counsel) incurred by the Underwriters in connection with this Agreement and the proposed
purchase of the Shares, and upon demand the Company shall pay the full amount thereof to the Underwriters. If this Agreement is terminated pursuant to Section&nbsp;9 by reason of the default of one or more Underwriters, the Company shall not be
obligated to reimburse any defaulting Underwriter on account of those expenses. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">12. <I>Entire Agreement</I>. (a)&nbsp;This Agreement,
together with any contemporaneous written agreements and any prior written agreements (to the extent not superseded by this Agreement) that relate to the offering of the Shares, represents the entire agreement between the Company and the
Underwriters with respect to the preparation of any Preliminary Prospectus, the Time of Sale Prospectus, the Prospectus, the conduct of the offering, and the purchase and sale of the Shares. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company acknowledges that in connection with the offering of the Shares: (i)&nbsp;the Underwriters have acted at arms length, are not
agents of, and owe no fiduciary duties to, the Company or any other person, (ii)&nbsp;the Underwriters owe the Company only those duties and obligations set forth in this Agreement and (iii)&nbsp;the Underwriters may have interests that differ from
those of the Company. The Company waives to the full extent permitted by applicable law any claims it may have against the Underwriters arising from an alleged breach of fiduciary duty in connection with the offering of the Shares. Any review by the
Underwriters of the Company, the transactions contemplated hereby or other matters relating to such transactions will be performed solely for the benefit of the Underwriters and shall not be on behalf of the Company. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13. <I>Notices, etc</I>. Notices given pursuant to any provision of this Agreement shall be
given in writing and shall be addressed as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) if to the Underwriters, to: Barclays Capital Inc., 745 Seventh Avenue, New York,
NY 10019, Fax No.: (646) <FONT STYLE="white-space:nowrap">834-8133,</FONT> Attention: Syndicate Registration and J.P. Morgan Securities LLC, 383 Madison Avenue, New York, New York 10179, Fax No.: (212)
<FONT STYLE="white-space:nowrap">622-8358,</FONT> Attention: Equity Syndicate Desk, and with a copy to Simpson Thacher&nbsp;&amp; Bartlett LLP, 425 Lexington Avenue, New York, New York 10017, Fax No.: <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">212-455-2502,</FONT></FONT> Attention: Lesley Peng; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) if to the Company, to 16600 Swingley Ridge Road,
Chesterfield, Missouri 63017, Attention: Brian W. Haynes, Senior Vice President and Corporate Treasurer; with a copy to William L. Hutton, Esq., Executive Vice President, General Counsel and Secretary, at the same address; and with a copy to Bryan
Cave Leighton Paisner LLP, One Metropolitan Square, 211 North Broadway, Suite 3600, St. Louis, Missouri 63102, Attention: R. Randall Wang, Esq.; Fax No.: <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">314-552-8149;</FONT></FONT>
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>provided, however</I>, that any notice to an Underwriter pursuant to Section&nbsp;8(c) shall be delivered or sent by mail, telex or facsimile
transmission to such Underwriter at its address set forth in its acceptance telex to the Representatives, which address will be supplied to any other party hereto by the Representatives upon request. Any such statements, requests, notices or
agreements shall take effect at the time of receipt thereof. The Company shall be entitled to act and rely upon any request, consent, notice or agreement given or made on behalf of the Underwriters by the Representatives. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">14. <I>Persons Entitled to Benefit of Agreement</I>. This Agreement shall inure to the benefit of and be binding upon the Underwriters, the
Company and their respective successors. This Agreement and the terms and provisions hereof are for the sole benefit of only those persons, except that (A)&nbsp;the representations, warranties, indemnities, contributions and agreements of the
Company contained in this Agreement shall also be deemed to be for the benefit of the affiliates, officers, directors and employees of the Underwriters and the person or persons, if any, who control any Underwriter within the meaning of
Section&nbsp;15 of the Securities Act and (B)&nbsp;any indemnity or contribution agreement of the Underwriters contained in this Agreement shall be deemed to be for the benefit of affiliates, directors, trustees, officers and employees of the
Company and any person controlling the Company within the meaning of Section&nbsp;15 of the Securities Act. Nothing contained in this Agreement is intended or shall be construed to give any person, other than the persons referred to in this
Section&nbsp;14, any legal or equitable right, remedy or claim under or in respect of this Agreement or any provision contained herein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">15. <I>Survival</I>. The respective indemnities, representations, warranties and agreements of the Company and the Underwriters contained in
this Agreement or made by or on behalf of them, respectively, pursuant to this Agreement, shall survive the delivery of and payment for the Shares and shall remain in full force and effect, regardless of any termination or cancellation of this
Agreement or any investigation made by or on behalf of any of them or any person controlling any of them. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">16. <I>Definition of the term
</I>&#147;<I>Business Day.</I>&#148;<I> </I>For purposes of this Agreement, &#147;business day&#148; means any day on which the New York Stock Exchange is open for trading. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">17. <I>Governing Law</I>. This Agreement shall be governed by, and construed in accordance
with, the laws of the State of New York. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">18. <I>Compliance with USA Patriot Act</I>. In accordance with the requirements of the USA
Patriot Act (Title III of Pub. L. <FONT STYLE="white-space:nowrap">107-56</FONT> (signed into law October&nbsp;26, 2001)), the Underwriters are required to obtain, verify and record information that identifies their respective clients, including the
Company, which information may include the name and address of their respective clients, as well as other information that will allow the Underwriters to properly identify their respective clients. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">19. <I>Recognition of the U.S. Special Resolution Regimes</I>. (a)&nbsp;In the event that any Underwriter that is a Covered Entity becomes
subject to a proceeding under a U.S. Special Resolution Regime, the transfer from such Underwriter of this Agreement, and any interest and obligation in or under this Agreement, will be effective to the same extent as the transfer would be effective
under the U.S. Special Resolution Regime if this Agreement, and any such interest and obligation, were governed by the laws of the United States or a state of the United States. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) In the event that any Underwriter that is a Covered Entity or a BHC Act Affiliate of such Underwriter becomes subject to a proceeding under
a U.S. Special Resolution Regime, Default Rights under this Agreement that may be exercised against such Underwriter are permitted to be exercised to no greater extent than such Default Rights could be exercised under the U.S. Special Resolution
Regime if this Agreement were governed by the laws of the United States or a state of the United States. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this Section&nbsp;19:
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B><I>BHC Act Affiliate</I></B>&#148; has the meaning assigned to the term &#147;affiliate&#148; in, and shall be interpreted in
accordance with, 12 U.S.C. &#167; 1841(k). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B><I>Covered Entity</I></B>&#148; means any of the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) a &#147;covered entity&#148; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &#167; 252.82(b);
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) a &#147;covered bank&#148; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &#167; 47.3(b);
or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) a &#147;covered FSI&#148; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &#167;
382.2(b). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B><I>Default Right</I></B>&#148; has the meaning assigned to that term in, and shall be interpreted in accordance with,
12 C.F.R. &#167;&#167; 252.81, 47.2 or 382.1, as applicable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B><I>U.S. Special Resolution Regime</I></B>&#148; means each of
(i)&nbsp;the Federal Deposit Insurance Act and the regulations promulgated thereunder and (ii)&nbsp;Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the regulations promulgated thereunder. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">20. <I>Counterparts</I>. This Agreement may be executed in two or more counterparts, each of
which shall be deemed an original and all of which together shall constitute one instrument. Delivery of this Agreement by one party to the other may be made by facsimile, electronic mail (including any electronic signature complying with the New
York Electronic Signatures and Records Act (N.Y. State Tech. &#167;&#167; <FONT STYLE="white-space:nowrap">301-309),</FONT> as amended from time to time, or other applicable law) or other transmission method, and the parties hereto agree that any
counterpart so delivered shall be deemed to have been duly and validly delivered and be valid and effective for all purposes. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">21.
<I>Headings</I>. The headings herein are inserted for convenience of reference only and are not intended to be part of, or to affect the meaning or interpretation of, this Agreement. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>The rest of this page has been left blank intentionally; the signature page follows. </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If the foregoing correctly sets forth the agreement between the Company and the Underwriters, please
indicate your acceptance in the space provided for that purpose below. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="79%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5">REINSURANCE GROUP OF AMERICA,</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INCORPORATED</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Brian W. Haynes</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Brian W. Haynes</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Senior Vice President and Corporate Treasurer</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to the Underwriting Agreement &#150; Common Stock] </I></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Accepted and agreed by:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Barclays Capital Inc.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">J.P. Morgan Securities LLC</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">For Themselves and as Representatives of the Several Underwriters</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Barclays Capital Inc.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Jaime Cohen</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Jaime Cohen</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title: Managing Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">J.P. Morgan Securities LLC</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Michael Rhodes</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Michael Rhodes</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title: Vice President</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to the Underwriting Agreement &#150; Common Stock] </I></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Schedule 1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="84%"></TD>

<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>Underwriter</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Number&nbsp;of&nbsp;Firm&nbsp;Shares</B><br><B>to be Purchased</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Barclays Capital Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,320,137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">J.P. Morgan Securities LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,320,137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Citigroup Global Markets Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">306,513</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Credit Suisse Securities (USA) LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">306,513</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Goldman Sachs&nbsp;&amp; Co. LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">306,513</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">RBC Capital Markets, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">306,513</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dowling&nbsp;&amp; Partners Securities, LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">153,257</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Keefe, Bruyette&nbsp;&amp; Woods, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">153,257</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Total</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,172,840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Schedule 2 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Form of Issuer Free Writing Prospectus Term Sheet: </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">NONE </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Road Show, as posted on NetRoadshow on June&nbsp;2, 2020, with restricted access. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Information communicated orally at the time when sales of the Shares were first made: </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Number of firm shares: 6,172,840 </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Price per share: $81.00 </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Schedule 3 </B></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>LIST OF SIGNIFICANT SUBSIDIARIES OF </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REINSURANCE GROUP OF AMERICA, INCORPORATED </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>As of the date of this Agreement </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Reinsurance Company of Missouri, Incorporated</B>, Missouri corporation, wholly owned by Reinsurance Group of America, Incorporated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>RGA Reinsurance Company</B>, Missouri corporation, wholly owned by Reinsurance Company of Missouri, Incorporated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>RGA Reinsurance Company (Barbados) Ltd.</B>, Barbados corporation, wholly owned by Reinsurance Group of America, Incorporated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>RGA Life Reinsurance Company of Canada</B>, Canadian Federal corporation, wholly owned by RGA Americas Reinsurance Company, Ltd. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>RGA Atlantic Reinsurance Company Ltd.</B>, Barbados corporation, wholly owned by RGA Americas Reinsurance Company, Ltd. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>RGA Americas Reinsurance Company, Ltd.</B>, Bermuda private limited corporation, wholly owned by Reinsurance Group of America, Incorporated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>RGA Worldwide Reinsurance Company, Ltd.</B>, a Barbados corporation, wholly owned by Reinsurance Group of America, Incorporated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Rockwood Reinsurance Company</B>, a Missouri corporation, wholly owned by Reinsurance Group of America, Incorporated. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Schedule 4 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">LIST OF PARTIES TO PROVIDE <FONT STYLE="white-space:nowrap">LOCK-UP</FONT> LETTER AGREEMENTS </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Directors</U>: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J. Cliff Eason </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pina Albo </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Christine R. Detrick </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">John J. Gauthier </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Patricia L. Guinn </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Anna Manning </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Hazel M. McNeilage </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Frederick J. Sievert </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Stanley B. Tulin </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Steven C. Van Wyk </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>Officers</U>: (all of the officers that
are Section&nbsp;16 reporting persons) </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Anna Manning </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Todd C.
Larson </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Alain P. N&eacute;emeh </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">John P. Laughlin </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Tony Cheng </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Leslie Barbi </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dennis Barnes, Jr. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Gay Burns </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Lawrence S. Carson </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Olav Cuiper </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Michael L. Emerson </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Alka Gautam </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">John W. Hayden </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">William L. Hutton </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Jonathan Porter </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Schedule 5 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF <FONT STYLE="white-space:nowrap">LOCK-UP</FONT> AGREEMENT </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">June&nbsp;2, 2020 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Barclays Capital Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J.P. Morgan Securities LLC </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">As Representatives of
the several </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Underwriters named in Schedule&nbsp;1 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">to the Underwriting Agreement (as defined below) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">c/o</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Barclays Capital Inc. </P></TD></TR></TABLE>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">745 Seventh Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">New York, New
York 10019 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">c/o</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">J.P. Morgan Securities LLC </P></TD></TR></TABLE>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">383 Madison Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">New York, New
York 10179 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dear Ladies and Gentlemen: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
undersigned understands that you propose to enter into a Underwriting Agreement (the &#147;<B><I>Underwriting Agreement</I></B>&#148;) providing for the purchase by you and such other firms as underwriters (the
&#147;<B><I>Underwriters</I></B>&#148;) of 6,172,840 shares of Common Stock, par value $0.01 per share (the &#147;<B><I>Shares</I></B>&#148;) (or up to 7,098,766 Shares to the extent the underwriters exercise their option to purchase additional
Shares) of Reinsurance Group of America, Incorporated, a Missouri corporation (the &#147;<B><I>Company</I></B>&#148;), and that the Underwriters propose to reoffer the Shares in a public offering (the &#147;<B><I>Offering</I></B>&#148;). Terms not
defined herein are used as defined in the Underwriting Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In consideration of the execution of the Underwriting Agreement by the
Underwriters, and for other good and valuable consideration, the undersigned hereby irrevocably agrees that, for a period of 60&nbsp;days after the date of the Prospectus (such period, the &#147;<B><I>Restricted Period</I></B>&#148;) not to
(i)&nbsp;offer, pledge, announce the intention to sell, sell, contract to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or warrant to purchase or otherwise transfer or dispose of,
directly or indirectly, any Common Stock or any other securities that are substantially similar to the Common Stock or any securities convertible into or exercisable or exchangeable for Common Stock or such other securities or (ii)&nbsp;enter into
any swap or other agreement that transfers, in whole or in part, any of the economic consequences of ownership of any of the Common Stock or such other securities, whether any such transaction described in clause (i)&nbsp;or (ii)&nbsp;above is to be
settled by delivery of any of the Common Stock or such other securities, in cash or otherwise, without the prior written consent of the Representatives, which consent shall not be unreasonably withheld or delayed. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The immediately preceding paragraph shall not apply to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) transfers of shares of Common Stock or any security convertible into or exercisable or exchangeable for Common Stock by will or intestate
succession, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) transfers of shares of Common Stock or any security convertible into or exercisable or exchangeable for Common Stock as a
bona fide gift, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) transfers of shares of Common Stock or any security convertible into or exercisable or exchangeable for Common Stock
to any member of the immediate family of the undersigned, or to any trust for the direct or indirect benefit of the undersigned and/or the immediate family of the undersigned, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) transfers of shares of Common Stock or any security convertible into or exercisable or exchangeable for Common Stock to a corporation,
partnership, limited liability company, investment fund or other entity that controls or is controlled by, or is under common control with, the undersigned, or is wholly-owned by the undersigned and/or by members of the immediate family of the
undersigned, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) dispositions of shares of Common Stock or any security convertible into or exercisable or exchangeable for Common Stock
acquired in open market transactions after the completion of the Offering, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) dispositions to the Company solely in connection with the
&#147;cashless&#148; exercise of stock options (the term &#147;cashless&#148; exercise being intended to include the sale of a portion of the option shares or previously owned shares to the Company to cover payment of the exercise price) for the
purpose of exercising such stock options solely in the case of termination of employment or board service following death, disability or other than for cause (including sales in respect of tax liabilities arising from such exercise and sale) if such
stock options would otherwise expire, provided that any shares of Common Stock received upon such exercise shall be subject to all of the restrictions set forth in this agreement, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) the forfeiture or surrender to the Company of shares of Common Stock to cover the exercise price of, or tax withholding obligations upon
the vesting, exercise or delivery of, restricted share units, performance stock units, stock options and other equity based compensation granted to the undersigned pursuant to any employee equity incentive plan existing on the date hereof; , </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) disposition of Common Stock or securities convertible into or exchangeable or exercisable for Common Stock pursuant to any pledge,
encumbrance or contract to sell established before the date of the Prospectus , and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) sales pursuant to any contract, instruction or
plan (a &#147;Plan&#148;) that satisfies all of the requirements of Rule <FONT STYLE="white-space:nowrap">10b5-1(c)(1)(i)(B)</FONT> under the Securities Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;) established before the date of
the Prospectus ; provided, that any filing made under the Exchange Act in connection with such a sale shall disclose that the sale was made pursuant to a Plan entered into on a date before the date of the Prospectus, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">provided that in the case of any gift, transfer or distribution pursuant to clause (a), (b),
(c) or (d), each donee, transferee or distributee shall sign and deliver an agreement substantially in the form of this letter, and, provided, further, that in the case of any sale, gift, disposition, distribution or other transfer pursuant to
clause (b), (c), (d) or (e), no filing under the Exchange Act, reporting a reduction in beneficial ownership of shares of the Company shall be required or shall be voluntarily made during the Restricted Period in connection with any such sale, gift,
disposition, distribution or other transfer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Nothing in this agreement shall prevent the establishment of a Plan that satisfies all of
the requirements of Rule <FONT STYLE="white-space:nowrap">10b5-1(c)(1)(i)(B)</FONT> under the Exchange Act for the transfer of shares of Common Stock, provided that (1)&nbsp;such Plan does not provide for the transfer of Common Stock or any security
convertible into or exercisable or exchangeable for Common Stock during the Restricted Period and (2)&nbsp;to the extent a public announcement or filing under the Exchange Act, if any, is required of or voluntarily made by or on behalf of the
undersigned or the Company regarding the establishment of such Plan, such announcement or filing shall include a statement to the effect that no transfer of Common Stock may be made under such Plan during the Restricted Period. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes hereof, &#147;immediate family&#148; shall mean spouse, lineal descendant, father, mother, brother, sister or domestic partner of
the transferor, whether by law or otherwise, or any grandparent, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mother-in-law,</FONT></FONT>
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">father-in-law,</FONT></FONT> <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">daughter-in-law,</FONT></FONT> <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">brother-in-law,</FONT></FONT> stepchild, grandchild or step-grandchild, uncle, aunt, niece or nephew of the transferor, and which shall include adoptive relationships. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, notwithstanding the foregoing, the undersigned may pledge any such Common Stock or securities convertible into or exchangeable or
exercisable for Common Stock in connection with a bona fide loan transaction in which the pledgee acknowledges in writing the undersigned&#146;s obligations hereunder and which pledge does not permit the pledgee, directly or indirectly, to make any
offer, sale, transfer or other disposition of such Common Stock or securities convertible into or exchangeable or exercisable for Common Stock during such <FONT STYLE="white-space:nowrap">60-day</FONT> period. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Further, the undersigned may exercise any options, warrants or other rights to acquire Common Stock of the Company, provided that the Common
Stock issued upon exercise shall remain subject to this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In furtherance of the foregoing, the Company and the Transfer Agent
are hereby authorized to decline to make any transfer of Common Stock if such transfer would constitute a violation or breach of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">It is understood that, if the Company notifies you that it does not intend to proceed with the Offering, if the Underwriting Agreement does
not become effective by July&nbsp;1, 2020, or if the Underwriting Agreement (other than the provisions thereof which survive termination) shall terminate or be terminated prior to payment for and delivery of the Common Stock, the undersigned will be
released from the obligations under this Agreement and this Agreement shall be void and without effect. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned understands that the Company and the Underwriters will proceed with the
Offering in reliance on this Agreement. Whether or not the Offering actually occurs depends on a number of factors, including market conditions. Any Offering will only be made pursuant to a Underwriting Agreement, the terms of which are subject to
negotiation between the Company and the Underwriters. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned hereby represents and warrants that the undersigned has full power
and authority to enter into this Agreement and that, upon request, the undersigned will execute any additional documents necessary in connection with the enforcement hereof. Any obligations of the undersigned shall be binding upon the heirs,
personal representatives, successors and assigns of the undersigned. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Agreement shall be governed by, and construed in accordance with, the laws of the State
of New York. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dated:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2020 </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Annex I </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF OPINION OF BRYAN CAVE LEIGHTON PAISNER LLP </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Omitted.] </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Annex II </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FORM OF OPINION OF EXECUTIVE VICE PRESIDENT, </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GENERAL COUNSEL AND SECRETARY </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Omitted.] </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>3
<FILENAME>d926984dex51.htm
<DESCRIPTION>EX-5.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-5.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 5.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Reinsurance Group of America, Incorporated<SUP STYLE="font-size:85%; vertical-align:top">&reg;</SUP> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>William L. Hutton </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Executive Vice President, General
Counsel and Secretary </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="right">


<IMG SRC="g926984dsp47.jpg" ALT="LOGO">
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">June&nbsp;5, 2020 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Reinsurance Group of America, Incorporated </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">16600 Swingley Ridge
Road </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Chesterfield, Missouri 63017 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I am Executive Vice President, General Counsel and Secretary for Reinsurance Group of America, Incorporated, a Missouri corporation (the
&#147;Company&#148;). I am furnishing this letter in connection with the issuance by the Company of 6,172,840 shares of the common stock of the Company, par value $0.01 per share (the &#147;Shares&#148;) pursuant to the Underwriting Agreement, dated
June&nbsp;2, 2020 (the &#147;Underwriting Agreement&#148;), by and among the Company and Barclays Capital Inc. and J.P. Morgan Securities LLC, as Representatives of the several underwriters named in Schedule 1 therein (collectively, the
&#147;Underwriters&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I have reviewed and am familiar with the automatic shelf Registration Statement on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> (File <FONT STYLE="white-space:nowrap">No.&nbsp;333-238511)</FONT> filed by the Company with the Securities and Exchange Commission (the &#147;Commission&#148;) under the Securities Act of 1933 (the
&#147;Securities Act&#148;), which became effective upon filing on May&nbsp;20, 2020, and with the form of the related Base Prospectus, Preliminary Prospectus Supplement and Prospectus Supplement, dated May&nbsp;20, 2020, June&nbsp;2, 2020 and
June&nbsp;2, 2020, respectively, which the Company filed with the Commission pursuant to Rule 424(b) under the Securities Act. I have reviewed the Underwriting Agreement. I have also reviewed the Amended and Restated Articles of Incorporation of the
Company and the Amended and Restated Bylaws of the Company. I am familiar with the corporate proceedings taken by the Company to authorize the issuance and sale of the Shares by the Company to the Underwriters pursuant to the Underwriting Agreement.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection herewith, I have examined and relied without independent investigation as to matters of fact upon such certificates of
public officials, such statements and certificates of officers of the Company, the representations and warranties set forth in the Underwriting Agreement, and such other corporate records, documents, certificates and instruments as I have deemed
necessary or appropriate in order to enable me to render the opinions expressed herein. I have assumed the genuineness of all signatures on all documents examined by me, the legal competence and capacity of each person executing documents, the
authenticity of all documents submitted to me as originals, the conformity to authentic originals of all documents submitted to me as certified or photostatted copies, or drafts of documents to be executed, and the due authorization, execution and
delivery of all agreements. I have assumed that, other than with respect to the Company, all of the documents referred to in this opinion have been duly authorized by, have been duly executed and delivered by, and constitute the valid, binding and
enforceable obligations of, all of the parties to such documents, all of the signatories to such documents have been duly authorized and all such parties are duly organized and validly existing and have the power and authority (corporate or other)
to execute, deliver and perform such documents. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based upon the foregoing and in reliance thereon, and subject to the assumptions, comments,
qualifications, limitations and exceptions set forth herein, I am of the opinion that: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Shares have been duly authorized for issuance and upon the issuance and delivery of the Shares and the
receipt by the Company of all consideration therefor in accordance with the terms of the Agreement, the Shares will be validly issued, fully paid and nonassessable. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This opinion is not rendered with respect to any laws, statutes, rules or regulations other than the laws of the State of Missouri (other than
the blue sky or securities laws of such state, as to which I render no opinion). The opinion expressed herein is based upon the law in effect (and published or otherwise generally available) on the date hereof, and I assume no obligation to revise
or supplement this opinion should such law be changed by legislative action, judicial decision or otherwise. In rendering my opinion, I have not considered, and hereby disclaim any opinion as to, the application or impact of any laws, cases,
decisions, rules or regulations of any other jurisdiction, court or administrative agency. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I hereby consent to the filing of this opinion
letter as Exhibit 5.1 to the Company&#146;s Current Report on Form <FONT STYLE="white-space:nowrap">8-K</FONT> and to the use of my name under the caption &#147;Legal Matters&#148; in the Prospectus Supplement. In giving such consent, I do not
thereby concede that I am within the category of persons whose consent is required under Section&nbsp;7 of the Securities Act or the Rules and Regulations of the Commission thereunder. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">/s/ William L. Hutton</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">William L. Hutton, Esq.</TD></TR>
</TABLE></DIV>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>rga-20200602.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-4 Build:20200505.2 -->
<!-- Creation date: 6/6/2020 12:33:06 AM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2019-01-31"
  xmlns:rga="http://www.rgare.com/20200602"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31"
  xmlns:us-gaap="http://fasb.org/us-gaap/2019-01-31"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.rgare.com/20200602"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd" namespace="http://xbrl.sec.gov/dei/2019-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" namespace="http://xbrl.sec.gov/sic/2011-01-31" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" namespace="http://xbrl.sec.gov/naics/2017-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
    <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd" namespace="http://fasb.org/us-gaap/2019-01-31" />
    <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2019/elts/us-types-2019-01-31.xsd" namespace="http://fasb.org/us-types/2019-01-31" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rga-20200602_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rga-20200602_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rga-20200602_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="rga_DocumentAndEntityInformationTable" name="DocumentAndEntityInformationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="rga_DocumentAndEntityInformationLineItems" name="DocumentAndEntityInformationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="rga_CommonStockOutstandingMember" name="CommonStockOutstandingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" name="M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" name="M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>5
<FILENAME>rga-20200602_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-4 Build:20200505.2 -->
<!-- Creation date: 6/6/2020 12:33:11 AM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
  <link:roleRef roleURI="http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="rga-20200602.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="rga-20200602.xsd#rga_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="rga-20200602.xsd#rga_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="rga-20200602.xsd#rga_CommonStockOutstandingMember" xlink:type="locator" xlink:label="rga_CommonStockOutstandingMember" />
    <link:loc xlink:href="rga-20200602.xsd#rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" xlink:type="locator" xlink:label="rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" />
    <link:loc xlink:href="rga-20200602.xsd#rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" xlink:type="locator" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="rga_DocumentAndEntityInformationTable" order="1" priority="2" use="optional" xbrldt:contextElement="segment" xbrldt:closed="true" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="rga_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain_2" order="23.0001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_CommonStockOutstandingMember" order="24" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" order="25" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" order="26" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="28.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="29.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="30.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="33.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="34.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="35.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="36.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="37.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="38.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="39.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="40.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="41.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="42.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="43.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="44.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="45.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="46.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="47.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="48.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="49.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="50.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="51.001" priority="2" use="optional" />
  </link:definitionLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>rga-20200602_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-4 Build:20200505.2 -->
<!-- Creation date: 6/6/2020 12:33:06 AM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
    <link:loc xlink:href="rga-20200602.xsd#rga_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationTable" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_DocumentAndEntityInformationTable" xlink:to="rga_DocumentAndEntityInformationTable_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Table]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Table]</link:label>
    <link:loc xlink:href="rga-20200602.xsd#rga_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationLineItems" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="rga_DocumentAndEntityInformationLineItems_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Line Items]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Line Items]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_StatementClassOfStockAxis_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Axis]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Axis]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_ClassOfStockDomain_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Domain]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Domain]</link:label>
    <link:loc xlink:href="rga-20200602.xsd#rga_CommonStockOutstandingMember" xlink:type="locator" xlink:label="rga_CommonStockOutstandingMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_CommonStockOutstandingMember" xlink:to="rga_CommonStockOutstandingMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_CommonStockOutstandingMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Common Stock Outstanding [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_CommonStockOutstandingMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Common Stock Outstanding [Member]</link:label>
    <link:loc xlink:href="rga-20200602.xsd#rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" xlink:type="locator" xlink:label="rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" xlink:to="rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">M 6.20 Fixed To Floating Rate Subordinated Debentures Due 2042 [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">M 6.20 Fixed To Floating Rate Subordinated Debentures Due 2042 [Member]</link:label>
    <link:loc xlink:href="rga-20200602.xsd#rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" xlink:type="locator" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" xlink:to="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">M 5.75 Fixed To Floating Rate Subordinated Debentures Due 2056 [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">M 5.75 Fixed To Floating Rate Subordinated Debentures Due 2056 [Member]</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>rga-20200602_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-4 Build:20200505.2 -->
<!-- Creation date: 6/6/2020 12:33:07 AM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
    xmlns:link="http://www.xbrl.org/2003/linkbase"
    xmlns:xlink="http://www.w3.org/1999/xlink"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="rga-20200602.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="rga-20200602.xsd#rga_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationTable" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="rga_DocumentAndEntityInformationTable" order="21" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="rga-20200602.xsd#rga_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationLineItems" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationTable" xlink:to="rga_DocumentAndEntityInformationLineItems" order="22" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="rga-20200602.xsd#rga_CommonStockOutstandingMember" xlink:type="locator" xlink:label="rga_CommonStockOutstandingMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_CommonStockOutstandingMember" order="24" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="rga-20200602.xsd#rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" xlink:type="locator" xlink:label="rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member" order="25" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="rga-20200602.xsd#rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" xlink:type="locator" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" order="26" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="30.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="33.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="34.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="44.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="46.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="47.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="48.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="49.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="50.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="rga_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="51.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g926984dsp47.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g926984dsp47.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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4XXK6$>2/*>=BL0\35=5JS?8__]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.1</span><table class="report" border="0" cellspacing="2" id="idp6641750624">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Jun. 02, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_rga_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">REINSURANCE GROUP OF AMERICA INC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000898174<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jun.  02,  2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">MO<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-11848<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">43-1627032<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">16600 Swingley Ridge Road<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Chesterfield<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">MO<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">63017<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(636)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">736-7000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=rga_CommonStockOutstandingMember', window );">Common Stock Outstanding [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_rga_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, par value $0.01<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RGA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member', window );">M 6.20 Fixed To Floating Rate Subordinated Debentures Due 2042 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_rga_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">6.20% Fixed-To-Floating Rate Subordinated Debentures due 2042<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RZA<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member', window );">M 5.75 Fixed To Floating Rate Subordinated Debentures Due 2056 [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_rga_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RZB<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_rga_DocumentAndEntityInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">rga_DocumentAndEntityInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>rga_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=rga_CommonStockOutstandingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=rga_CommonStockOutstandingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>11
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "d926984d8k.htm": {
   "axisCustom": 0,
   "axisStandard": 1,
   "contextCount": 4,
   "dts": {
    "definitionLink": {
     "local": [
      "rga-20200602_def.xml"
     ],
     "remote": [
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-eedm-def-2019-01-31.xml",
      "http://xbrl.fasb.org/srt/2019/elts/srt-eedm1-def-2019-01-31.xml"
     ]
    },
    "inline": {
     "local": [
      "d926984d8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "rga-20200602_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-doc-2019-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "rga-20200602_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-ref-2019-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "rga-20200602.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd",
      "https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-roles-2019-01-31.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-types-2019-01-31.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-roles-2019-01-31.xsd",
      "https://xbrl.sec.gov/country/2017/country-2017-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-types-2019-01-31.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd"
     ]
    }
   },
   "elementCount": 30,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2019-01-31": 3,
    "total": 3
   },
   "keyCustom": 0,
   "keyStandard": 95,
   "memberCustom": 3,
   "memberStandard": 0,
   "nsprefix": "rga",
   "nsuri": "http://www.rgare.com/20200602",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d926984d8k.htm",
      "contextRef": "duration_2020-06-02_to_2020-06-02",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "100000 - Document - Document and Entity Information",
     "role": "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "p",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d926984d8k.htm",
      "contextRef": "duration_2020-06-02_to_2020-06-02",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 3,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "rga_CommonStockOutstandingMember": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "Common Stock Outstanding [Member]",
        "terseLabel": "Common Stock Outstanding [Member]"
       }
      }
     },
     "localname": "CommonStockOutstandingMember",
     "nsuri": "http://www.rgare.com/20200602",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "rga_DocumentAndEntityInformationLineItems": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "Document And Entity Information [Line Items]",
        "terseLabel": "Document And Entity Information [Line Items]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationLineItems",
     "nsuri": "http://www.rgare.com/20200602",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "rga_DocumentAndEntityInformationTable": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "Document And Entity Information [Table]",
        "terseLabel": "Document And Entity Information [Table]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationTable",
     "nsuri": "http://www.rgare.com/20200602",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "M 5.75 Fixed To Floating Rate Subordinated Debentures Due 2056 [Member]",
        "terseLabel": "M 5.75 Fixed To Floating Rate Subordinated Debentures Due 2056 [Member]"
       }
      }
     },
     "localname": "M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member",
     "nsuri": "http://www.rgare.com/20200602",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "rga_M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "M 6.20 Fixed To Floating Rate Subordinated Debentures Due 2042 [Member]",
        "terseLabel": "M 6.20 Fixed To Floating Rate Subordinated Debentures Due 2042 [Member]"
       }
      }
     },
     "localname": "M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member",
     "nsuri": "http://www.rgare.com/20200602",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_ClassOfStockDomain": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "Class of Stock [Domain]",
        "terseLabel": "Class of Stock [Domain]"
       }
      }
     },
     "localname": "ClassOfStockDomain",
     "nsuri": "http://fasb.org/us-gaap/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_StatementClassOfStockAxis": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "Class of Stock [Axis]",
        "terseLabel": "Class of Stock [Axis]"
       }
      }
     },
     "localname": "StatementClassOfStockAxis",
     "nsuri": "http://fasb.org/us-gaap/2019-01-31",
     "presentation": [
      "http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>d926984d8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:rga="http://www.rgare.com/20200602"
  xmlns:us-gaap="http://fasb.org/us-gaap/2019-01-31"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="rga-20200602.xsd" xlink:type="simple"/>
    <context id="duration_2020-06-02_to_2020-06-02">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
        </entity>
        <period>
            <startDate>2020-06-02</startDate>
            <endDate>2020-06-02</endDate>
        </period>
    </context>
    <context id="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:CommonStockOutstandingMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2020-06-02</startDate>
            <endDate>2020-06-02</endDate>
        </period>
    </context>
    <context id="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2020-06-02</startDate>
            <endDate>2020-06-02</endDate>
        </period>
    </context>
    <context id="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2020-06-02</startDate>
            <endDate>2020-06-02</endDate>
        </period>
    </context>
    <dei:EntityRegistrantName
      contextRef="duration_2020-06-02_to_2020-06-02"
      id="Hidden_dei_EntityRegistrantName">REINSURANCE GROUP OF AMERICA INC</dei:EntityRegistrantName>
    <dei:AmendmentFlag contextRef="duration_2020-06-02_to_2020-06-02">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2020-06-02_to_2020-06-02"
      id="Hidden_dei_EntityCentralIndexKey">0000898174</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2020-06-02_to_2020-06-02">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2020-06-02_to_2020-06-02">2020-06-02</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2020-06-02_to_2020-06-02">MO</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2020-06-02_to_2020-06-02">1-11848</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2020-06-02_to_2020-06-02">43-1627032</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2020-06-02_to_2020-06-02">16600 Swingley Ridge Road</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="duration_2020-06-02_to_2020-06-02">Chesterfield</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2020-06-02_to_2020-06-02">MO</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2020-06-02_to_2020-06-02">63017</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2020-06-02_to_2020-06-02">(636)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2020-06-02_to_2020-06-02">736-7000</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="duration_2020-06-02_to_2020-06-02">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2020-06-02_to_2020-06-02">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2020-06-02_to_2020-06-02">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2020-06-02_to_2020-06-02">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember">Common Stock, par value $0.01</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember">RGA</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member">6.20% Fixed-To-Floating Rate Subordinated Debentures due 2042</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member">RZA</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M6.20FixedToFloatingRateSubordinatedDebenturesDue2042Member">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">RZB</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2020-06-02_to_2020-06-02_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2020-06-02_to_2020-06-02">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>13
<FILENAME>0001193125-20-162260-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-20-162260-xbrl.zip
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ML716A29,J_'0M,[*N:/,^#XCY^?3AZMZJ6)\Y!-FWWD?'0_Z= <=:- ->YX
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M.ZZ81Z>2!,QA_M!S&7$5$A] #&TY(8(FH>!\@*C \\AX5&G*WB-EF@XL!/F
M'CD)1B_3#;26"^C]4=JP5Z_6]^>U8<6 GSU8%VYQGH_TY8ZJ]>(1Q/B+6OA3
MI:M3TT)B]3-W<5%I0#"_L48"]EG?5/:5^@ WON#H)/:\">DQQQL3KE.S'T&M
M5KOU:CM!IZOZW$$-YA+4.6! GXWY9\E'H1-0EWFA=*9$@M!E?ZI&B!IX/9B;
M7AJCK+"8I9I"Z$> 04_CLK[G )'8#J&2HTLER=ZBL6C;N 0$Y%:A*1F+_?]/
MS&4"<./2A2%"Y0N3BU*EI&>_WYC#BP?Y64_V,K=-&BV1_7P**?ZPH!2I#-*&
MP5LTAG;7UHJ&YN,?/3:HXCQ1#_B-29M<=Y,LRG,-R(Z!<"DB_25X )J)SGCH
M1NZ8W'K=[GF>TZ.@E0'8$$[YY*A6.UT"6K^]JU;R^+$) &PJX$(SFCC,-#US
MXJ?VB3HA*&^M<AA9W-SF#.[)[)E'I/6Q0RI5HP05]Q_T7W=F\^.83==39X3P
M9".L%+!<.#^#S<QF34;1M!<-9N7Z:-9HT:S$2^3,MC*[G;%EK>RM4C-*NL?]
M63IK9X4_A17>"H8+%QYT5X<_T,,2$/)L[EA_C]:XVC: /T4KQ:#8YE:M>6N8
ML%VL[/7VG]:(=9\[,_[)S?A2RI")G3&_F#%76;&V9SVM,4=]KF?,3\C:Q=@^
MY;+K()H)",/]I>?!$(/BR!KFW7@2')D1O#L!\<1;C?,YJF ^1[6@HO/@IIN^
MZM;,'=Y]1:UCU!H2"R\WK+<7E="^%-)7\><-,D-0M*?7S:QWIR/H:4^NN2?X
M(\HA/N:F=))%:\$K;Y*[!.P9R)E!^7:'%WZ4,U71*C<U*SV%)1OZ3$]R9U67
M$E5\0&!9(_?4"1GYQ2@9YD]V[FJIH")PT_#R&E+J?+K8R2)K-+&?^XAW-3R%
M2!;B%<3:>,<;6?._GOBFS2IQR9>*<(>"SXZ"6]W4QK:_K@ZB5/?%.Z\8#Q!'
M9S@028]$9D,1&] 6!]L9^(N![5;*T/EGA\4OCL7;2&P'U=\95&_S&@1L^\Q0
M?5C?V?_+0?4VRM#YY_U.5"\.U5M([.FA>LO,];:'U"XA9K#4N;0IL=2!-:CQ
MC8R'3-UDF#LEQB4!V +68B<#,A#>.!CB9H&/)\<H !#K<U=?5M0'78Q#LG@%
M>7;SN$KV4(F/3M5AE[@R# .L\_&:(UZJP)Y6 F:<:.\5*\F>"WZSW@5H73>B
M9;W-B/R14J3/GW![2*SI5+NQN+F6EO+J7;^,E,W*XKVA)]MDT^>@VY$^?%+J
MT-+:\-+[:RB!Q;_M?%7=0#);;Q5MQ_IDV@].\[+_@%WBL>=<(^<+IT"'8,+,
M81:Z%:ZG]K%"R50M8$-TUA1?,LK5<4[]UB"4G!K+F>+@8PY#(QRX,#$H$>R>
M2V@'P$!="T_W4,O"2YE8624MJ+"E/F5J/[B)5MVCR29:VHA+FQPE-8W9>W%V
M+R!ZW N(\.^REQ$I'K/1_!S9J-!,=4' 7T&795EKLM#\E*3"F!X#G8,PQAG3
MJ2SH&_SX_M<DY+$\QQ.-=R?JO].$.9/4S/7[714ACWR!U3.= UEPN[ZC@R&F
MD7O*(V>[%%P/\-&T;AV7#)-L>#KB(>?TD<<E].5-]:X16=+DZ&CZ!4\7J%-&
M-RY9>,/( >DP$ "LHZ[%""RUH8]8>*&607J0NN8)&+J'$(GW8"K&:;0>JR?S
M=)\H %$N&@ LK!I?\&3&6.@3F!<#P93GG.DBOTK2HT+\]U18#E@C:5&?!^K<
MOU52-X3^*-V6R)4'KK>;=L,^?VX=H,O883ZXV= ?Q<M%,@9XR>[5]8$P'IL)
MJ3P/&XL%\"*?1*@6$W:064OT%A\V:<7^*LY$79[@>#I($2O!=/$;K)?ND]0/
MS*/*P7'-(')(Q8Q.2^]/2>7R1]^UXH5W;KL*%TS=?%Y"R1;7C'8:$ H3Z#G@
M<7EX8DG?Q>"6VC[]Y=@L&<:LP](F;S'91D&U/WF78N, 70<MEBS+0-Z>KQP%
M8"B( E9L<";ZPAMEN83Z ^*L&L1&!:+]((H\[.@]0)F>,SIX0, ,M!XCWN)@
MH#,GE<.#DTI]3E)I-K\PNS(&?1@;=%H7E?_$8C8F\LXA/:/4RSE3(FD9"68Q
ML"[PZEB KI8%BB_)GEY'P;?SF2N95-Z5NJPTX7@6VYF27VK'47 $K'& O=E^
M@0R.UP,#8%@HD0"D*!D /<-!= \H@2><@._!<*^CLS-&CJG4G :^*-N'962!
MNRGX5)<*<>W']^M;H%W,Z2?>L])S&2<>"#RL=[&K6ZS&J;V]3KJO)(F!%YG7
M#'^KU6JQ4CT^-,V<@W?Y ;C"8#I2OOU!!)(]9N$I#0:\L=2-S] '@J)K9 KM
MY_I#[B4>^>P.?@;ENNU6LF) T16=1NN;H>TAJU@8B<" ()G9>.T6(J+PI ]D
MA9+(T >;T3!@JW4O9]4,O(%.923]8/BA!HDNMT7=Q7TL$'8 ,G94EBC6B<0\
ME=90A[T!B+E;B@31K5<8SPHE*J] /)@MNIX+<Q]3@3 >"]/RP N"9XDA8\H,
M2GH,]16@]$BN@N=@3J:I-1=:C%P>W5',+AP#BC\M 7ZT". 3<3CM@?(A=5I+
M$+4&'@X%T[($]].W&I=PP?9@;AC4*O@1RL![+ %>-6TNR;\AB"']PBU\IX!@
MP10YD;P"/]:$?HCN KYG&0:7(=B.';V #NP*^O;5?4IM59@\"P(* ;A-T(/!
M90NS44/>XT$4XI;,@Y@0GG;H,F-K]^<U]4NO[G;94YK !:S9B YJ&1C2>S:+
MYM5DW(A7F%"%R&X:%T,)>'R!$D^/NM] 8 ?*H6)")0J2[ZA]SZ4GIFB*,R<X
MHL!3YCU++T@F[O%^^AR":U("F:85UZ?$+YQJTI.E,I_TJ#AE2WT6&4V\C*H'
MK*OZF_.W\_I4570%/1F58Z&6/GR= %=B@TGVXK%1N IZX[>PD5TTOHO&4]'X
MR=N(QC\F!IUX0K&CH1#S=4/T/7M_1DBT)L47YN,E0.);)B(O!A.K476-2QQO
M#N ZU"!O_C) [FL<5ET&6';R?_E!_OG[ MG2D]0M@*<[Y+#Z(']V\W2E$6RD
MX\NO3&U(UIP^;[;%N\G^;7K7 ;R5:"G:<@*1$JWS1N,-=[V??8\\LW%7,G!I
M?'#S3E?9F.WDC!+]TU'V2:5^<ERSV<0T2\, %O1E_NZRB*C'@C%C[H)O]/(9
M//1D:#.M0SF&G>)5COU&SL0Q -8#LGY#M7;0]1:@ZW '7:\)78<1=-WXW(TB
M][\PO4A'Y'.)_!X&ZD<PVO+?'4+L$.+E$*)2W<'"6X"%EN=*E41?#@M[45)3
MI5.B0(P JN_O$&.'&"^'&*OW=]I_%TVC1K*_-;%#EV=&EY8'Y));, *(8B#P
MH'H?ZP,-*%'O9M[#\[RV'>TO12G92_53V@1_2SM)XNR7%K%DEFS:Y6 S.=C7
M.U?>O?QT?7'WI=/>9E=DB\/4>I/D=F[S6.!OC8LH=[G>2>2#O#.9=NA,B45#
MJ6+G)'48;6%)F  4>'J_JL>&U.G'^W8J^(XJ8- =XB:#Z@Y$-O0$S,XNO?T,
M9/J'I#1VS,K7?!U)[7B;=XRL_2J3VM%SI"FW?(_#EMGX^+SL-B^L &7 %?"\
M4"V\E4GEG,Q>\>KG!W];ZA$_)_4*4UC^ UA;.<MF?2W?]:U4^W$L$W_?KK%X
MNFRIH[GQ*V9>>X+OIXTW.YDL]6@>^=/+[NLN??5YH5F697+GV39IE<AG*B2L
MZ0\;YW>JM6]5H#_O1'9:]QT)ZX>92)>YW!.IWQ;Y'SS??BL8*A7^ J8+2CGD
MK$]FQT'TSX^(%PG+S\H]SYY"P3 8.<W_!U!+ P04    " !XA,50:F\49!*"
M  #)J@( $    &0Y,C8Y.#1D97@Q,2YH=&WLO6MSVTB2+OR=$?P/"._N"2D"
M5NOFN\<1LBR[-2-;#DD]O7/>>#^ )"BA#0(< )3,^?4G;U65A0M)W=LSWMCH
ML202J,K*RGL^^?;7L\]'[][^>K#WX5V_]_;L\.SHX-W!_S[=VMAZ^PO_!+_^
M1?X>O'U__.$?P?M/^\='QR=_>?+[KX=G!T_P#T&_!Y_;C[,J+MZ]_7#X]^#T
M[!]'!W]Y<I6,JHO7+S>>)=F3($J3\^PO3])X7-&WWGXU'YM$Q7F2/:WRZ>O-
M:?4FD)\'>57E$_[5.,^JIV7RK_CUEOMY'$V2=/[Z+)G$9? EO@I.\DD$;]H[
M.OSTY2]/BN3\ EYU\/TB&215 +L*WO[R%;?4]N:M[3M\]9!H\>3=V_?OGH=;
M+[;#E[N;P>FO>R<'I["&]^\>81TG!X=?3G\[V?NR?Q!\.CG^[6MP_#'8^WQP
M<KB_%P:'7_:/3[X>G^R='7QXK!7N'W_^?/P%7GB\_[?'6L/;W][]]N7#P<GO
M)X=GAU\^!7N?3@X./A]\.8,%_?;N(1<EW/O761;_GVQ03M]LA\'VYO8F\?#]
M79YW[Z-BF$;S,MB/IDD5I<%A-MQ8=''NY*U_W?BZ$7S.B_,H"T[CX:Q(J@0^
M<72TOV"_SSO>++]"2?-Z]W^NN9*],CB)IT5< E-$57()?\W'_5YU$=^ \K=:
MR6E\&1=P +]EH[BX HK$!5 D*:MX=)/SN-5:$CB6X44\FJ7"C5O!KW$15WF=
M*.ZI>#JU9356]>0=/XT>@BIH[_W1@7G4^^,3N(E/0=T<[7T]/7AM_K%PJ?5]
M/0GX,7]YLODDV#\X.OJZ]^$#W&S[\^G7O7WS\^^''\Y^_<N3K<W-_WG"ZSD)
MRFJ>QL%?@B?3Z#Q^.BCBZ-O3)"N34?PZNLR3D7SP@_GR[O\\"?XN=QCV;>\S
MZ[WA+SFHU@_F._IOWK<T20.?BL%M;]N;H+:H[BM/:X7_G.!_\&P>E.E>[#X+
M\!)DU46P!_\S>_ KB/_\1UY\"_&7_1[^,P#NV'KUD^U_?+9?HG,>E_=W7NX$
MGZ-14N;9GXKWMUXT>/^N+:!W1[!O^$V4C8)/</G3>!)GKQ>IO"Y#H(J_5\"U
M(WC(]?=_$@._SXHH&\;!IR*?3<$."/8F<9$,HQ!%9%Y,\R(";1P&4? Y*<L<
M6"@POT[@X-;0:O@__[6U^^(-VI:'[_;SR33*YF]_.21;$O_T\LUZ&$R+?)J7
M<1D&Y6SP1SRL M"L^&70^1.B1+\WS+-1@H\MX7+B:X,+T,!)%N)GX>W (4@Q
M^*&,TQ3^'43GYT5\#A_%E3L_I+R(P+QI+NYC4DR"4_IC;8'X?5CZ!+9T6N5#
M8(EI5 2740KO_._-C<VM8!H7_-PP6*MMV'ZKL6M9[CG0N*+=YE,BVR@NAT4R
M@!TF6;\'5Q-_RQ)S=VVP3ON&%<%7I[-B>!&5L'/8<5[ $^>XM H7_&K[6?AJ
M^WD0C9ALH-=DY_#'I"J]'36I<<QK::5'&"1C?!>1OEU[XMX6"!A\7;^GWU<S
M.NLG0+1"$L%_BF"F3<(LFA"I&A;:!5MH:\,\39&(EW&*2ZYM5)N7M;=N!&?P
M8<47=AD>=0+XCS!C-(;'!$,X#KP6C1?[6VZCK7V#X^@R2HF#\;?R0KD=GF5,
M-(%?)V6P!WR/0J."I[0LK$&"X_$8KG5V;I:R(6LYPX<E]#JX?6.D WXULH^/
M@('.Z7=RL^WR]=+H[@[C(DODPSF^+Z0MDGAIWR53GR4 K[;&(XIB_'?]4ODC
ML#Q<C4D,+!@GQ#LEK&*6POV%^S)-9^AA1"6]%E:)$C,HXG_.$EK 0\O<+7BE
M?Q5 W(7![U&!,L(H!7N\I2&8DJM,-7,<A7D4/.6*G\+/H#,L@RN@29.5JHNH
M"ON]69;&9<E7[BH!*5-.XV$R3H"#!G&:7X4!7 %ZF%W("*4MRR<2#OC7)!NF
MLY$Y^P]Q"F=7S(,/^-$U^.HH'B>9>>;ZZQLXO+>B^5JT[I$,Y&F_-T[PGECJ
M*.F%.SKX#E(W.Z?O3("+NW2=_*TIRX)H!HN'XQT"@\;I&,[I'!Q;49NDWNA^
MP0\?<[AU;S\>?SFS4<4+.*6GY30:QJ^S_*J(P&X\?;KS]A?\T+M@[2.L'9AV
MV5>^Y!LL*'=V=IYN[[Q\MK6U;I]1W\R)7M^I65]#+<![AA==FQG$0Y#400R7
MGV1B,)O"WX'2R!HLO4Y >@>[S[?7XG4K"QSI]X:DV+9>[>R$R'/P-/C6J$69
M^%]J2/7367V5<M%_^7#X=_BHA'+[O8#^_^V4W0'?U(LG#5[$7RE_81"/\P+\
MA?0*U"/&?-_^>A*<'OY?.)"=)^:1%$U^_5^OZ/]\7\28Z_L'7\X.3OZ,H69X
MN#O?87[)PB/V:>NKKC76&214RG6KM1H'C?<,KF*PEJPSFP[B. -#,0;[!H7%
MW%,[H/U10\%=22KZB:0^K*Q(0+[#>T%R54K<B8@G(=KOM;(:6'*)]^Z:3%!W
M?^$FX"GN,</<OP$=7V0AWG[I4"&#!&%V7TV.&$7I9"V]N-\[L=;2[N:SCAN'
MRH!.8@D1LKP*XJA($]H1K+"Z !43S.%W)9Q; NI6S!:E)#;@"=,DMOJC8\ND
M9.!$8\YE$).1;7<1 15I82/6*TW6X)?"7GWC82/8 YNI9,O1MYI"3_0=V--"
M[J]9:VA8E&Y3QOJIX).B%5DDQA'\QUCFC1MR!P)?O@'NPAU)_"-84EEU'$C#
M/V(FGN0E6D^83PC GZN>.DXG64U;E*-S/D1=+[SI(#\:#%WD[_=&XN?A.OPC
M\Y_WM0!&F8!!#";(UR(GP3"K&^'\7#XT^QDQ9 S'Q,%"$H7DCYE="\>B5<1:
M 3RP%H6X2(Z0;^<60SZQ^KF<3:<I,U'W':U=#?L1D)TEL=^X:0R"CXEF.KGD
MK)^W=]%F:I<60%T@!-IZN9+Z;ZPS?VVK0LZB1)7-!,>KW$YQ91,XD]1GAK!F
MCNHX1O A'\[XM)IVJ95!":D9?C=Z#!%]2%@"O@'Z1AU+.ST6'%$KN0?K-@G3
MPADC%%L42AC 1;-BIFQ8.4[.=)&G\7K1#CN;>\C/WF_>M[. =LC,E5MXS? 1
M/F.K'\' <(S=04Q#>Q2<X*3"E22YKKQ6="[+NB$"^]'?G$0CH-YEE*31 ,C>
MYF(W-<LDCME?!+ZD%YB(#-HV[;3<>K'MDW+KQ4Z3DOT>F0$W"#7>RAGZB$[Q
MK*!@'"^J6S&.4;TC:?!$IEUG?"'.-9XU?K $@@&]@?&!^,S@UO2@8)?F[C76
MGJ,<?D;[0B0PG.MD,LN2(3O(]">Y!)%FI8X#V-GM$%YD<\)UR3'&F7((IO N
M/)ZW$1W:AL0'ZLNQ Q[,VG:'D%QGX:UI27<//GR*49 5[DN[%H-]GL<4Y"#)
M@CS:<4AXNH4$T]3^G%(FW9<@$['#WPBO;0=&CQOEQ$_K>*%]7;^GZ4G&)0D
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MPDE>DA8/[DK6G">R9I)%^DMN4CN+V]2-84ZTG<GL14.4KP_\F Q)#.24**<
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MOD$@NXKT$^>%7.+%UM30DDJWIM+WEFH\ZW,:#59X7,:M*^3K9P)]-A\DTJK
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M%9"$'U)<2HL-E72595N%V0\<?'OV,_AVAS)MXD5N5AI?9X>!:V!S,V$N)G?
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M(\U26S*.L\%>2?>!]C9^WEYWI^A2PZ6S:UFL@GKYQ8.RZ,5ZRV3?%7@KTN.
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M-N.$J!EM[5"A*IUC<#.3_#:JJ2(^Q\9)-),B&3W!^>O0C3 8H?_#VB;0G^=
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MT-0TB1 ,([JR%(DHS=-)4;6H(C02G,V3%R;,7!/&QO(<^^L5)3 JHJO:\L-
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M6KQWAGDM '+69B$EF?1XUHQZ)"?"*"5<T$Q$;3%.%(YK.R@,\ <FE_*B;"S
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MSJ<7Q^=?_IRL3TMX^OX+/?QP\<^//_\?4$L#!!0    ( 'B$Q5 H)FZMW0H
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M+E-XA=#'BRB-"&RTQ$-@%73AO9_(6<KR2EF0,%7./::>KD?YF2K:!D.NF<>
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M)AX_QG7WZ-]HX"7_RX[_ %!+ P04    " !XA,50[2T/=FL$   W$P  $
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M/SCN'^9/?[ 6DM>8^)$AJ7M;_9+$Z;]02P,$%     @ >(3%4+.J[_L$!@
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MLEKY4_[U5::U6<6\Z<#UEY%<.'&Z2'\EM/-?_?IW5<^_'E(/_P-02P,$%
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M.VSJ78\'QO;!/"(DA]KR+8-J<C!52:[*LFAC'\)B_(9<RU)R#Z B5NJCH5H
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MMY_H!_V??:KE'U!+ 0(4 Q0    ( 'B$Q5 2[[J+0Q,  ."-   .
M      "  0    !D.3(V.3@T9#AK+FAT;5!+ 0(4 Q0    ( 'B$Q5!J;Q1D
M$H(  ,FJ @ 0              "  6\3  !D.3(V.3@T9&5X,3$N:'1M4$L!
M A0#%     @ >(3%4"@F;JW="@  X"$  !               ( !KY4  &0Y
M,C8Y.#1D97@U,2YH=&U02P$"% ,4    " !XA,50[2T/=FL$   W$P  $
M            @ &ZH   <F=A+3(P,C P-C R+GAS9%!+ 0(4 Q0    ( 'B$
MQ5"SJN_[! 8  (@V   4              "  5.E  !R9V$M,C R,# V,#)?
M9&5F+GAM;%!+ 0(4 Q0    ( 'B$Q5#NT_H%*@@  (U;   4
M  "  8FK  !R9V$M,C R,# V,#)?;&%B+GAM;%!+ 0(4 Q0    ( 'B$Q5![
M)?(5P 4  %(Z   4              "  >6S  !R9V$M,C R,# V,#)?<')E
:+GAM;%!+!08     !P ' +P!  #7N0     !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>16
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.20.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>4</ContextCount>
  <ElementCount>95</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>3</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d926984d8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.rgare.com//20200602/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="d926984d8k.htm">d926984d8k.htm</File>
    <File>d926984dex11.htm</File>
    <File>d926984dex51.htm</File>
    <File>rga-20200602.xsd</File>
    <File>rga-20200602_def.xml</File>
    <File>rga-20200602_lab.xml</File>
    <File>rga-20200602_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://fasb.org/us-gaap/2019-01-31</BaseTaxonomy>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2019-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>18
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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MMWF\81AU8\K(XK%T-8943OTJDH\ Q:X831F:3LTXXFBD(3^ G/,6+V2?$9/
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M/_QNPFXT]F#_L?%54';PZU_(+U!+ P04    " !XA,50F5R<(Q &  "<)P
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M7S%1]_276<]>@C"MA[_)1/TUP.K795]02P,$%     @ >(3%4 N/V ,A 0
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M"U!+ 0(4 Q0    ( 'B$Q5 ?(\\#P    !,"   +              "  0
M  !?<F5L<R\N<F5L<U!+ 0(4 Q0    ( 'B$Q5 GZ(<.@@   +$    0
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M:V)O;VLN>&UL4$L! A0#%     @ >(3%4/_ )@B]    A0(  !H
M     ( !I1(  'AL+U]R96QS+W=O<FMB;V]K+GAM;"YR96QS4$L! A0#%
M  @ >(3%4 N/V ,A 0  5P0  !,              ( !FA,  %M#;VYT96YT
A7U1Y<&5S72YX;6Q02P4&      H "@"  @  [!0

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
