<SEC-DOCUMENT>0001193125-23-163589.txt : 20230608
<SEC-HEADER>0001193125-23-163589.hdr.sgml : 20230608
<ACCEPTANCE-DATETIME>20230608170058
ACCESSION NUMBER:		0001193125-23-163589
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		19
CONFORMED PERIOD OF REPORT:	20230608
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20230608
DATE AS OF CHANGE:		20230608

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:		231002751

	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>d515705d8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8" ?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2022" xmlns:us-types="http://fasb.org/us-types/2022" 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/20230608" 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:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:us-gaap="http://fasb.org/us-gaap/2022" 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_2023-06-08_to_2023-06-08">REINSURANCE GROUP OF AMERICA INC</ix:nonNumeric> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2023-06-08_to_2023-06-08">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2023-06-08_to_2023-06-08">0000898174</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xlink:type="simple" xlink:href="rga-20230608.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_2023-06-08_to_2023-06-08"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2023-06-08</xbrli:startDate> <xbrli:endDate>2023-06-08</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2023-06-08_to_2023-06-08_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>2023-06-08</xbrli:startDate> <xbrli:endDate>2023-06-08</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2023-06-08_to_2023-06-08_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>2023-06-08</xbrli:startDate> <xbrli:endDate>2023-06-08</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M7.125FixedRateResetSubordinatedDebenturesDue2052Member</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2023-06-08</xbrli:startDate> <xbrli:endDate>2023-06-08</xbrli:endDate> </xbrli:period> </xbrli:context> </ix:resources> </ix:header> </div> <div style="text-align:center"> <div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto"> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p> <p style="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">UNITED STATES</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">SECURITIES AND EXCHANGE COMMISSION</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Washington, D.C. 20549</p> <p style="font-size:9pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:9pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">FORM <ix:nonNumeric name="dei:DocumentType" contextRef="duration_2023-06-08_to_2023-06-08">8-K</ix:nonNumeric></p> <p style="font-size:9pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:9pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">CURRENT REPORT</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Pursuant to Section 13 or 15(d)</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">of the Securities Exchange Act of 1934</p> <p style="margin-top:9pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman;font-weight:bold;text-align:center">Date of Report (Date of Earliest Event Reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" contextRef="duration_2023-06-08_to_2023-06-08" format="ixt:datemonthdayyearen">June 8, 2023</ix:nonNumeric></p> <p style="font-size:9pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:9pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman;font-weight:bold;text-align:center"> <span style=" -sec-ix-hidden:Hidden_dei_EntityRegistrantName">REINSURANCE GROUP OF AMERICA, INCORPORATED</span> </p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Exact Name of Registrant as Specified in its Charter)</p> <p style="font-size:9pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="font-size:9pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:8pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" contextRef="duration_2023-06-08_to_2023-06-08" format="ixt-sec:stateprovnameen">Missouri</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2023-06-08_to_2023-06-08">1-11848</ix:nonNumeric></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2023-06-08_to_2023-06-08">43-1627032</ix:nonNumeric></span></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(State or Other Jurisdiction</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">of Incorporation)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Commission</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">File Number)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(IRS Employer</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Identification No.)</p></td></tr></table> <p style="margin-top:9pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2023-06-08_to_2023-06-08">16600 Swingley Ridge Road</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2023-06-08_to_2023-06-08">Chesterfield</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2023-06-08_to_2023-06-08" format="ixt-sec:stateprovnameen">Missouri</ix:nonNumeric> <ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2023-06-08_to_2023-06-08">63017</ix:nonNumeric></p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">(Address of Principal Executive Offices, and Zip Code)</p> <p style="margin-top:9pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">Registrant&#8217;s telephone number, including area code: <ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2023-06-08_to_2023-06-08">(636)</ix:nonNumeric> <ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2023-06-08_to_2023-06-08">736-7000</ix:nonNumeric></p> <p style="font-size:9pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <div style="text-align:center"> <p style="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%;text-align:center;margin-left: auto;margin-right: auto">&#160;</p></div> <p style="margin-top:9pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Check the appropriate box below if the Form 8-K 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="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2023-06-08_to_2023-06-08" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2023-06-08_to_2023-06-08" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2023-06-08_to_2023-06-08" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</p></td></tr></table> <p style="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:4%">&#160;</td>
<td style="width:5%;vertical-align:top"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2023-06-08_to_2023-06-08" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></td>
<td style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</p></td></tr></table> <p style="margin-top:9pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Securities registered pursuant to Section 12(b) of the Act:</p> <p style="font-size:9pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="border-collapse:collapse; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"></td>
<td style="vertical-align:bottom"></td>
<td style="width:32%"></td>
<td style="vertical-align:bottom;width:1%"></td>
<td style="width:32%"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Title of each class</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Trading<br />Symbol(s)</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; border-bottom:1.00pt solid #000000;vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Name of each exchange</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">on which registered</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember">Common Stock, par value $0.01</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember">RGA</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">RZB</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">7.125% Fixed-Rate Reset Subordinated Debentures due 2052</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">RZC</ix:nonNumeric></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></td></tr></table> <p style="margin-top:9pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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">12b-2</span> of the Securities Exchange Act of 1934 <span style="white-space:nowrap">(&#167;240.12b-2</span> of this chapter):</p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2023-06-08_to_2023-06-08" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric> Emerging growth company</p> <p style="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"> &#9744; 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 13(a) of the Exchange Act.</p> <p style="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&#160;</p> <p style="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&#160;</p> <p style="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&#160;</p></div></div>

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

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">

<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;1.01</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Entry into a Material Definitive Agreement. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">On June&#160;8, 2023, Reinsurance Group of America, Incorporated (the &#8220;Company&#8221;) completed the offering of $400&#160;million aggregate principal amount of its 6.000% Senior Notes due 2033 (the &#8220;Senior Notes&#8221;). The Senior Notes were issued pursuant to an Indenture (the &#8220;Base Indenture&#8221;), dated as of August&#160;21, 2012, by and between the Company and The Bank of New York Mellon Trust Company, N.A., as trustee (the &#8220;Trustee&#8221;), as supplemented by an Eighth Supplemental Indenture, dated as of June&#160;8, 2023 by and between the Company and the Trustee (the &#8220;Supplemental Indenture&#8221; and, together with the Base Indenture as so supplemented, the &#8220;Indenture&#8221;). </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Senior Notes are senior unsecured obligations of the Company and rank equally with all of the Company&#8217;s existing and future senior unsecured indebtedness from time to time outstanding. The Senior Notes will bear interest at the rate of 6.000% per year, payable semiannually in arrears on&#160;March 15&#160;and&#160;September 15, commencing March&#160;15, 2024. The Senior Notes will mature on September&#160;15, 2033. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company may redeem the Senior Notes, in whole or in part, at any time or from time to time prior to June&#160;15, 2033 (the date which is three months prior to final maturity of the Senior Notes, the &#8220;Par Call Date&#8221;), at a redemption price equal to the greater of: (1) (a) the sum of the present values of the remaining scheduled payments of principal and interest thereon discounted to the redemption date (assuming the Senior Notes to be redeemed matured on the Par Call Date), less (b)&#160;interest accrued to the date of redemption and (2) 100% of the principal amount of the Senior Notes to be redeemed, plus, in either case, accrued and unpaid interest thereon to, but not including, the redemption date. On or after the Par Call Date, the Company may redeem the Senior Notes, in whole or in part, at any time and from time to time, at a redemption price equal to 100% of the principal amount of the Senior Notes being redeemed plus accrued and unpaid interest thereon to, but not including, the redemption date. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Indenture contains covenants that, among other things, restrict the Company&#8217;s ability to incur indebtedness secured by a lien on the voting stock or other voting equity interests of any restricted subsidiary, limit the Company&#8217;s ability to issue or otherwise dispose of shares of capital stock or other equity interests of any restricted subsidiary and limit the Company&#8217;s ability to consolidate with or merge into, or transfer substantially all of its assets to, another person, subject in each case to important exceptions, as specified in the Indenture. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Indenture contains customary event of default provisions, including an acceleration of the maturity of any indebtedness of the Company, in excess of $225&#160;million, if such failure to pay is not discharged or such acceleration is not annulled within 15 days after due notice. This amount is higher than the threshold amount of $175&#160;million contained in the comparable cross-acceleration provisions relating to the Company&#8217;s 3.90% Senior Notes due 2029 and 3.15% Senior Notes due 2030, and is also higher than the threshold amount of $120&#160;million contained in the comparable cross-acceleration provisions relating to the Company&#8217;s 4.70% Senior Notes due 2023 and 3.95% Senior Notes due 2026. As a result, holders of the Senior Notes may not have a cross-acceleration right and remedy when holders of the Company&#8217;s other senior notes do. </p>
 <p style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&#160;</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center">2 </p>

</div></div>



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

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The public offering price of the Senior Notes was 99.639% of the principal amount. The Company received net proceeds (before expenses) of approximately $396&#160;million. </p> <p style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><span style="font-style:italic">Additional Information </span></p> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company anticipates using the proceeds from the offering of the Senior Notes, together with cash on hand, if necessary, to repay upon maturity the Company&#8217;s $400&#160;million 4.70% Senior Notes due 2023, which mature on September&#160;15, 2023, and the remainder, if any, for general corporate purposes. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Senior Notes were 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 <span style="white-space:nowrap">No.&#160;333-270548)</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 March&#160;15, 2023. The Company has filed with the SEC a prospectus supplement, dated June&#160;5, 2023, together with the accompanying prospectus, dated March&#160;15, 2023, relating to the offering and sale of the Senior Notes. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The above description of the Base Indenture, the Supplemental Indenture and the Senior Notes does not purport to be complete and is qualified in its entirety by reference to the full text of such documents, which are attached hereto as Exhibits 4.1, 4.2 and 4.3, respectively, and are incorporated herein by reference. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Trustee is the Indenture trustee and will be the principal paying agent and registrar for the Senior Notes. The Company has entered, and from time to time may continue to enter, into banking or other relationships with the Trustee or its affiliates. For example, the Trustee or an affiliate (i)&#160;is successor trustee of the indenture relating to the Company&#8217;s Variable Rate Junior Subordinated Debentures due 2065, (ii) is trustee of the indentures relating to the Company&#8217;s 4.70% Senior Notes due 2023, 3.95% Senior Notes due 2026, 3.90% Senior Notes due 2029, 3.15% Senior Notes due 2030, 7.125% Fixed-Rate Reset Subordinated Debentures due 2052 and <span style="white-space:nowrap"><span style="white-space:nowrap">5.75%&#160;Fixed-to-Floating&#160;Rate</span></span> Subordinated Debentures due 2056 and (iii)&#160;provides other banking and financial services to the Company. </p> <p style="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;2.03</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Creation of a Direct Financial Obligation or an Obligation under an <span style="white-space:nowrap">Off-Balance</span> Sheet Arrangement of a Registrant. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The information regarding the Senior Notes and the Indenture set forth in Item&#160;1.01 is incorporated herein by reference. </p> <p style="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;8.01</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Other Events. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In connection with the offering of the Senior Notes, the Company entered into an Underwriting Agreement, dated June&#160;5, 2023 (the &#8220;Underwriting Agreement&#8221;), with J.P. Morgan Securities LLC, BofA Securities, Inc. and U.S. Bancorp Investments, Inc., as representatives of the several underwriters named therein (the &#8220;Underwriters&#8221;), pursuant to which the Company issued and sold to the Underwriters the Senior Notes. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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 1.1, and is incorporated herein by reference. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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>
 <p style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&#160;</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center">3 </p>

</div></div>



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

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In connection with the offering of the Senior Notes, the Company is filing this Current Report on Form <span style="white-space:nowrap">8-K</span> to add the following exhibits to the Company&#8217;s Registration Statement on Form <span style="white-space:nowrap">S-3</span> (Registration Statement <span style="white-space:nowrap">No.&#160;333-270548).</span> The opinion of the Company&#8217;s counsel as to the binding nature of the Senior Notes is attached hereto as Exhibit 5.1, and the opinion of the Company&#8217;s Senior Vice President, Corporate and Securities Counsel and Assistant Secretary as to certain matters of Missouri law is attached hereto as Exhibit 5.2. </p> <p style="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border:0;width:100%" cellpadding="0" cellspacing="0">
<tr style="page-break-inside:avoid">
<td style="width:11%;vertical-align:top" align="left"><span style="font-weight:bold">Item&#160;9.01</span></td>
<td align="left" style="vertical-align:top"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left">Financial Statements and Exhibits. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d) Exhibits. The following documents are filed as exhibits to this report: </p> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0;margin:0 auto">


<tr>

<td></td>

<td style="vertical-align:bottom;width:3%"></td>
<td style="width:91%"></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">1.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d515705dex11.htm">Underwriting Agreement, dated June&#160;5, 2023, among the Company and J.P. Morgan Securities LLC, BofA Securities, Inc. and U.S. Bancorp Investments, Inc., as Representatives of the several underwriters named therein. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="http://www.sec.gov/Archives/edgar/data/898174/000119312512363551/d400789dex41.htm">Indenture, dated as of August&#160;21, 2012, between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee (incorporated by reference to Exhibit&#160;4.1 to the Company&#8217;s Current Report on Form <span style="white-space:nowrap">8-K</span> filed with the SEC on August&#160;21, 2012). </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.2</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d515705dex42.htm">Eighth Supplemental Indenture, dated as of June&#160;8, 2023, between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee, regarding the Senior Notes. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">4.3</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d515705dex42.htm">Form of 6.000% Senior Note due 2033 (incorporated by reference from Exhibit&#160;A to the Supplemental Indenture filed as Exhibit&#160;4.2 hereto). </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">5.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d515705dex51.htm">Legal Opinion of Bass, Berry&#160;&amp; Sims PLC regarding the Senior Notes. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">5.2</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d515705dex52.htm">Legal Opinion of Clifford R. Jenks, Senior Vice President, Corporate and Securities Counsel and Assistant Secretary, Reinsurance Group of America, Incorporated, regarding the Senior Notes. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">23.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d515705dex51.htm">Consent of Bass, Berry&#160;&amp; Sims PLC (included in Exhibit 5.1). </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">23.2</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d515705dex52.htm">Consent of Clifford R. Jenks, Senior Vice President, Corporate and Securities Counsel and Assistant Secretary, Reinsurance Group of America, Incorporated (included in Exhibit 5.2) </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"></td>
<td style="height:6pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap"><span style="white-space:nowrap">EX-104</span></td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top">Cover Page Interactive Data File (embedded within the Inline XBRL document)</td></tr>
</table>
 <p style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&#160;</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center">4 </p>

</div></div>



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

<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">
 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center">SIGNATURE </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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> <p style="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
<table cellspacing="0" cellpadding="0" style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;width:100%;border:0">


<tr>

<td style="width:45%"></td>

<td style="vertical-align:bottom;width:1%"></td>
<td style="width:4%"></td>

<td style="vertical-align:bottom"></td>
<td style="width:3%"></td>

<td style="vertical-align:bottom;width:1%"></td>
<td style="width:45%"></td></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top" colspan="3"><span style="font-weight:bold">REINSURANCE GROUP OF AMERICA, INCORPORATED</span></td></tr>
<tr style="font-size:1pt">
<td style="height:12pt"></td>
<td style="height:12pt" colspan="2"></td>
<td style="height:12pt" colspan="2"></td>
<td style="height:12pt" colspan="2"></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom">Date: June&#160;8, 2023</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">By:</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top"> <p style="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&#160;/s/ Todd C. Larson</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">Todd C. Larson</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">Senior Executive Vice President and Chief Financial Officer</td></tr>
</table>
 <p style="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&#160;</p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:center">5 </p>

</div></div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-1.1
<SEQUENCE>2
<FILENAME>d515705dex11.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"><B>Exhibit 1.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">REINSURANCE GROUP OF AMERICA, INCORPORATED </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Underwriting Agreement </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$400,000,000 </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6.000% Senior Notes
due 2033 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">June 5, 2023 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J.P. Morgan Securities LLC </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BofA Securities, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">U.S. Bancorp Investments, Inc. </P>
<P STYLE="margin-top:12pt; 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 I hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">c/o J.P. Morgan Securities LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">383
Madison Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; 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">c/o BofA
Securities, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">One Bryant Park </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York 10036
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">c/o U.S. Bancorp Investments, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">214 N. Tryon Street,
26th Floor </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Charlotte, North Carolina 28202 </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;<U>Company</U>&#148;), agrees with the several
Underwriters named in Schedule I hereto (the &#147;<U>Underwriters</U>&#148;) for whom you are acting as representative (the &#147;<U>Representatives</U>&#148;) to issue and sell to the several Underwriters, $400,000,000 aggregate principal amount
of its 6.000% Senior Notes due 2033 (the &#147;<U>Securities</U>&#148;). The Securities are to be issued under the Indenture, dated as of August 21, 2012 (the &#147;<U>Original Indenture</U>&#148;), as supplemented by the Eighth Supplemental
Indenture, to be dated as of June 8, 2023 (together with the Original Indenture so supplemented, the &#147;<U>Indenture</U>&#148;), in each case, between the Company and The Bank of New York Mellon, as trustee (the &#147;<U>Trustee</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company has prepared and filed with the Securities and Exchange Commission (the &#147;<U>Commission</U>&#148;) under the Securities Act of
1933, as amended (the &#147;<U>Act</U>&#148;), an &#147;automatic shelf registration statement&#148; as defined under Rule 405 under the Act on Form <FONT STYLE="white-space:nowrap">S-3</FONT> (file number
<FONT STYLE="white-space:nowrap">333-</FONT> 270548), relating to securities, including the Securities, to be issued from time to time by the Company. Such registration statement, including the exhibits thereto and the other information and
documents deemed pursuant to Rule 430B under the Act to be part thereof as amended to (and including) the date of this Underwriting Agreement (this &#147;<U>Agreement</U>&#148;), but excluding any </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 of Eligibility (Form <FONT STYLE="white-space:nowrap">T-1)</FONT> under the Trust Indenture Act of 1939, as amended (the &#147;<U>Trust</U> <U>Indenture Act</U>&#148;), is hereinafter
referred to as the &#147;<U>Registration Statement</U>&#148;. The term &#147;<U>Basic</U> <U>Prospectus</U>&#148; means the prospectus, dated March 15, 2023, included in the Registration Statement. The Company proposes to file with the Commission
pursuant to Rule 424 under the Act a supplement or supplements to the Basic Prospectus relating to the Securities and the plan of distribution thereof and has previously advised you of all further information (financial and other) with respect to
the Company to be set forth therein. The term &#147;<U>Prospectus</U>&#148; means the Basic Prospectus, as supplemented by the prospectus supplement including pricing information specifically relating to the Securities in the form filed pursuant to
Rule 424(b) under the Act (or in the form first made available to the Underwriters by the Company to meet requests of purchasers pursuant to Rule 173 under the Act) and the term &#147;<U>preliminary prospectus</U>&#148; means any preliminary form of
the Prospectus including the &#147;subject to completion&#148; legend required by Item 501(b)(10) under Regulation <FONT STYLE="white-space:nowrap">S-K</FONT> under the Act which has heretofore been filed pursuant to Rule 424 under the Act. The term
&#147;<U>Time of Sale Prospectus</U>&#148; means the Basic Prospectus, as supplemented by the preliminary prospectus last filed before the Applicable Time (as defined below) pursuant to Rule 424 under the Act relating specifically to the Securities,
as of 3:32 P.M. New York City time on June 5, 2023 (the &#147;<U>Applicable Time</U>&#148;), together with the free writing prospectuses, if any, identified in Schedule II(A) hereto, and the term &#147;<U>free writing prospectus</U>&#148; has the
meaning set forth in Rule 405 under the Act. As used herein, the terms &#147;Registration Statement,&#148; &#147;Basic Prospectus,&#148; &#147;preliminary prospectus,&#148; &#147;Time of Sale Prospectus&#148; and &#147;Prospectus&#148; shall include
the documents, if any, incorporated by reference therein. The terms &#147;supplement,&#148; &#147;amendment&#148; and &#147;amend&#148; as used herein with respect to the Registration Statement, the Basic Prospectus, any preliminary prospectus, the
Time of Sale Prospectus, the Prospectus or any free writing prospectus shall be deemed to refer to and include the filing of any free writing prospectus and the filing of any document under the Securities Exchange Act of 1934, as amended (the
&#147;<U>Exchange Act</U>&#148;) that are deemed to be incorporated therein by reference. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. <U>Representations</U><U> </U><U>and</U><U>
</U><U>Warranties</U>. The Company represents and warrants to, and agrees with, each Underwriter that: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company
meets the requirements for use of an &#147;automatic shelf registration statement&#148; as defined under Rule 405 under the Act, on Form <FONT STYLE="white-space:nowrap">S-3,</FONT> and has filed with the Commission the Registration Statement, which
has become effective. The Registration Statement meets the requirements set forth in Rule 415(a)(1)(x) under the Act and complies in all other material respects with said Rule. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;(i) Each document, if any, filed or to be filed pursuant to the Exchange Act and incorporated by reference in the Time
of Sale Prospectus or the Prospectus complied or will comply when so filed in all material respects with the Exchange Act and the applicable rules and regulations of the Commission thereunder, (ii)&nbsp;each part of the Registration Statement, when
such part became effective, did not contain, and each such part, as amended or supplemented, if applicable, 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 not misleading, (iii)&nbsp;the Registration Statement as of the date hereof and as of the Closing Date (as defined in Section&nbsp;3 hereof) does 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 not misleading, (iv)&nbsp;the Registration </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; margin-left:4%; font-size:10pt; font-family:Times New Roman">
Statement and the Prospectus comply, and as amended or supplemented, if applicable, will comply, and the Indenture complies, in all material respects with the Act, the Trust Indenture Act, and
the Exchange Act and the applicable rules and regulations thereunder, (v) each free writing prospectus filed by the Company, as of its issue date and at all subsequent times through the completion of the public offer and sale of the Securities, did
not, does not and will not include any information that conflicted, conflicts or will conflict with the information contained in the Registration Statement or the Prospectus, including any document incorporated by reference therein and any
preliminary or other prospectus deemed to be a part thereof that has not been superseded or modified, as they exist as of the time of filing of such free writing prospectus, (vi)&nbsp;the Time of Sale Prospectus does not, and at the time of each
sale of the Securities in connection with the offering and at the Closing Date, as then amended or supplemented by the Company, if applicable, will not, contain any untrue statement of a material fact or omit to state a material fact necessary to
make the statements therein, in the light of the circumstances under which they were made, not misleading, and (vii)&nbsp;the Prospectus, as of its date and as of the Closing Date, does not and will not contain and, as amended or supplemented, if
applicable, will not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading, except that the
representations and warranties set forth in this paragraph do not apply to statements or omissions in the Registration Statement, the Time of Sale Prospectus or the Prospectus as of its date and the Closing Date based upon information relating to
the Underwriters or any underwriting arrangements, as furnished to the Company in writing through the Underwriters expressly for use therein, which consists of (A)&nbsp;the names and titles of the Underwriters as set forth on the front and back
cover pages of the preliminary prospectus and the Prospectus and the names of the Underwriters as listed in the &#147;Underwriting&#148; section in the preliminary prospectus and the Prospectus, (B)&nbsp;the selling concession figures appearing in
the third paragraph under the caption &#147;Underwriting&#148; in the Prospectus, (C)&nbsp;the following information contained under the caption &#147;Underwriting&#148; in the preliminary prospectus: (x)&nbsp;in the third sentence of the sixth
paragraph related to market making, (y)&nbsp;under the &#147;Stabilization, Short Positions and Penalty Bids&#148; caption (including but not limited to the four bulleted items therein) and (z)&nbsp;the tenth and eleventh paragraphs related to
services provided by the Underwriters and related to investments and securities activities by the Underwriters, it being understood that twenty-seven paragraphs appear within the &#147;Underwriting&#148; section and (D)&nbsp;the following
information contained under the caption &#147;Underwriting&#148; in the Prospectus: (x)&nbsp;in the third sentence of the sixth paragraph related to market making, (y)&nbsp;under the &#147;Stabilization, Short Positions and Penalty Bids&#148;
caption (including but not limited to the four bulleted items therein) and (z)&nbsp;the tenth and eleventh paragraphs related to services provided by the Underwriters and related to investments and securities activities by the Underwriters, it being
understood that twenty-seven paragraphs appear within the &#147;Underwriting&#148; section. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The financial statements
of the Company and its consolidated subsidiaries included or incorporated by reference in the Registration Statement fairly present, in all material respects, the consolidated financial condition and results of operations of the Company and its
consolidated subsidiaries as of the dates indicated and the results of operations and changes in financial position for the periods therein specified; neither the Company nor any of its consolidated subsidiaries has sustained since the date of the
latest </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; margin-left:4%; font-size:10pt; font-family:Times New Roman">
audited financial statements included or incorporated by reference in the Prospectus or 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, otherwise than as set forth or contemplated in the Prospectus and Time of Sale Prospectus; and, since the respective
dates as of which information is given in the Registration Statement and the Basic Prospectus, there has not been any material change in the capital stock (other than issuances of common stock upon the exercise of outstanding employee stock options
or pursuant to existing employee compensation plans) 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 the condition (financial or
other), earnings, business or properties of the Company and its consolidated subsidiaries taken as a whole whether or not arising from transactions in the ordinary course of business, except as set forth or contemplated in the Prospectus and Time of
Sale Prospectus. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) (A)&nbsp;(i) At the time of filing the Registration Statement, (ii)&nbsp;at the time of the most
recent amendment thereto for the purposes of complying with Section&nbsp;10(a)(3) of the Act (whether such amendment was by post-effective amendment, incorporated report filed pursuant to Section&nbsp;13 or 15(d) of the Exchange Act or form of
prospectus), and (iii)&nbsp;at the time the Company or any person acting on its behalf (within the meaning, for this clause only, of Rule 163(c) under the Act) made any offer relating to the Securities in reliance on the exemption of Rule 163 under
the Act, the Company was a &#147;well-known seasoned issuer&#148; as defined in Rule 405 under the Act. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Company is
not an &#147;ineligible issuer&#148; in connection with the offering pursuant to Rules 164, 405 and 433 under the Act. Any free writing prospectus that the Company is required to file pursuant to Rule 433(d) under the Act has been, or will be, filed
with the Commission in accordance with the requirements of the Act and the applicable rules and regulations of the Commission thereunder. Each free writing prospectus that the Company has filed, or is required to file, pursuant to Rule 433(d) under
the 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 Act and the applicable rules and regulations of the Commission thereunder. Except for the free
writing prospectuses, if any, identified in Schedule II hereto, the Company has not prepared, used or referred to, and will not, without your prior consent, prepare, use or refer to, any free writing prospectus. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Any free writing prospectus, including, without limitation, any electronic road show, when taken together with the Time of
Sale Prospectus, accompanying, or delivered prior to the delivery of, such free writing prospectus, did not, and at the Closing Date, will not, contain any untrue statement of a material fact or omit to state a material fact necessary in order to
make the statements therein, in the light of the circumstances under which they were made, not misleading. </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; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) The Company has been duly incorporated and is validly existing as a
corporation under the laws of the jurisdiction of its incorporation, with power and authority (corporate and other) to own, lease and operate its properties and to conduct its business as described in the Basic Prospectus and has been duly qualified
as a foreign corporation for the transaction of business and is in good standing under the laws of each other jurisdiction in which it owns or leases properties, or conducts any business, so as to require such qualification, or is subject to no
material liability or disability by reason of the failure to be qualified in any such jurisdiction; and each subsidiary of the Company representing 10% or more of (i)&nbsp;both (x) the consolidated earnings of the Company before income taxes and
extraordinary items during the fiscal year ended December&nbsp;31, 2022, and (y)&nbsp;the consolidated total revenue of the Company during the year ended December 31, 2022, or (ii) the consolidated total assets of the Company as of December&nbsp;31,
2022 (each such subsidiary as set forth in Schedule III hereto, a &#147;<U>Significant Subsidiary</U>&#148;) has been duly incorporated or organized and is validly existing as a corporation or limited liability company under the laws of its
jurisdiction of incorporation or organization except where the failure to be so qualified or have such power and authority would not, individually or in the aggregate, have a material adverse effect on the business, financial position,
stockholders&#146; equity, or results of operations of the Company and its subsidiaries taken as a whole or the consummation by the Company of the transactions contemplated by this Agreement and the Indenture (a &#147;<U>Material Adverse
Effect</U>&#148;). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) The Company has an authorized capitalization as set forth in the Time of Sale Prospectus and the
Prospectus, and all of the issued shares of capital stock of the Company have been duly and validly authorized and issued and are fully paid and <FONT STYLE="white-space:nowrap">non-</FONT> assessable; and all the outstanding shares of capital stock
or other equity interests of each Significant Subsidiary have been duly and validly authorized and issued, are fully paid and <FONT STYLE="white-space:nowrap">non-assessable,</FONT> all outstanding shares of capital stock or other interests of the
Significant Subsidiaries are owned directly or indirectly by the Company, free and clear of any lien, charge, encumbrance, security interest, restriction on voting or transfer or any other claim of any third party except those that would not,
individually or in the aggregate, have a Material Adverse Effect. </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 Securities have been duly authorized, and, when
the Securities are issued and delivered pursuant to this Agreement, such Securities will have been duly executed, authenticated, issued and delivered and will constitute valid and legally binding obligations of the Company entitled to the benefits
provided by the Indenture; the Indenture has been duly qualified under the Trust Indenture Act and, at the Closing Date, the Indenture will constitute a valid and legally binding obligation of the Company, enforceable in accordance with its terms;
in each case, subject, as to enforcement, to bankruptcy, insolvency, fraudulent transfer, moratorium and other similar laws relating to or affecting creditors&#146; rights generally and to general principles of equity. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) The Indenture and this Agreement have been duly authorized, executed and delivered by the Company. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) The issue and sale of the Securities and the compliance by the Company with all of the provisions of the Securities, this
Agreement and the Indenture, and the consummation of the transactions herein and therein contemplated will not conflict with or result in a breach or violation of any of the terms or provisions of, or constitute a default under, any indenture,
mortgage, deed of trust, loan agreement or other agreement or </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; margin-left:4%; font-size:10pt; font-family:Times New Roman">
instrument to which the Company or any subsidiary is a party or by which the Company or any subsidiary is bound or to which any of the property or assets of the Company or any subsidiary is
subject, except for such conflicts, breaches, violations or defaults as would not, individually or in the aggregate, have a Material Adverse Effect, nor will such action result in any violation of the provisions of (i)&nbsp;the articles of
incorporation or bylaws or other organizational documents, as applicable, of the Company or any Significant Subsidiary or (ii)&nbsp;any statute or any order, rule or regulation of any court or governmental agency or body having jurisdiction over the
Company, any subsidiary or any of its respective properties, except, in the case of (ii)&nbsp;above, for such violations that would not, individually or in the aggregate, have a Material Adverse Effect; and no consent, approval, authorization,
order, registration or qualification of or with any such court or governmental agency or body is required for the issue and sale of the Securities or the consummation by the Company of the transactions contemplated by the Securities, this Agreement
and the Indenture, except such as have been, or will have been prior to the Closing Date (as defined in Section&nbsp;3 hereof), obtained under the Act, the Trust Indenture Act and the Exchange Act and such consents, approvals, authorizations,
registrations or qualifications as may be required under state securities or Blue Sky laws in connection with the purchase and distribution of the Securities by the Underwriters. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) Other than as set forth in the Prospectus and the Time of Sale Prospectus, there are no legal or governmental proceedings
pending to which the Company or any of its subsidiaries is a party or of which any property of the Company or any of its subsidiaries is the subject which would individually or in the aggregate be reasonably likely to have a Material Adverse Effect;
and, to the best of the Company&#146;s knowledge, no such proceedings are threatened or contemplated by governmental authorities or threatened by others. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) The Company and its subsidiaries own or possess, or can acquire on reasonable terms, all material trademarks, service marks
and trade names necessary to conduct the business now operated by them, and neither the Company nor any of its subsidiaries has received any notice of infringement of or conflict with asserted rights of others with respect to any trademarks, service
marks or trade names that singly or in the aggregate, would be reasonably likely to have a Material Adverse Effect. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n)
The Company is not and, after giving effect to the issuance and sale of the Securities, will not be an &#147;investment company&#148; or an entity controlled by an &#147;investment company&#148; required to be registered under the Investment Company
Act of 1940, as amended. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o) To the best of the Company&#146;s knowledge and belief, the Company has complied in all
material respects with, and the conduct of its business and the conduct of business by its subsidiaries does not violate in any material respect, (i)&nbsp;any statute, law, regulation, rule, order or directive of any federal, state or local
governmental authority applicable to the Company and its subsidiaries or (ii)&nbsp;the articles of incorporation and bylaws or other organizational documents, as applicable, of the Company and 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">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; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p) The Company maintains an effective system of &#147;disclosure controls
and procedures&#148; (as defined in Rule <FONT STYLE="white-space:nowrap">13a-15(e)</FONT> of the Exchange Act) that is designed to ensure that information required to be disclosed by the Company in reports that it files or submits under the
Exchange Act is recorded, processed, summarized and reported within the time periods specified in the Commission&#146;s rules and forms, including controls and procedures designed to ensure that such information is accumulated and communicated to
the Company&#146;s management as appropriate to allow timely decisions regarding required disclosure. The Company and its subsidiaries have carried out evaluations of the effectiveness of their disclosure controls and procedures as required by Rule <FONT
STYLE="white-space:nowrap">13a-15</FONT> of the Exchange Act. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(q) The Company and its subsidiaries maintain systems of
&#147;internal control over financial reporting&#148; (as defined in Rule <FONT STYLE="white-space:nowrap">13a-15(f)</FONT> of the Exchange Act) that comply with the requirements of the Exchange Act and have been designed by, or under the
supervision of, their respective principal executive and principal financial officers, or persons performing similar functions, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial
statements for external purposes in accordance with generally accepted accounting principles, including, but not limited to internal accounting controls sufficient to provide reasonable assurance that (i) transactions are executed in accordance with
management&#146;s general or specific authorizations; (ii)&nbsp;transactions are recorded as necessary to permit preparation of financial statements in conformity with generally accepted accounting principles and to maintain asset accountability;
(iii)&nbsp;access to assets is permitted only in accordance with management&#146;s general or specific authorization; and (iv)&nbsp;the recorded accountability for assets is compared with the existing assets at reasonable intervals and appropriate
action is taken with respect to any differences. Except as disclosed in the Registration Statement, the Prospectus and the Time of Sale Prospectus, there are no material weaknesses in the Company&#146;s internal controls over financial reporting.
The Company&#146;s auditors and the Audit Committee of the Board of Directors of the Company have been advised of: (i)&nbsp;all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting
which are reasonably likely to adversely affect the Company&#146;s ability to record, process, summarize and report financial information; and (ii) any fraud, whether or not material, that involves management or other employees who have a
significant role in the Company&#146;s internal control over financial reporting. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(r) None of the Company or any of its
subsidiaries nor, to the best knowledge of the Company, any director, officer, agent, employee 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; or (iv)&nbsp;made any bribe, rebate, payoff, influence payment, kickback or other unlawful payment. </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; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(s) The operations of the Company and its subsidiaries are and have been
conducted at all times in compliance in all material respects with applicable financial recordkeeping and reporting requirements of the Currency and Foreign Transactions Reporting Act of 1970, as amended, the money laundering statutes of all
jurisdictions, 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;<U>Money</U> <U>Laundering Laws</U>&#148;) and no
material 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 best knowledge of
the Company, threatened. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(t) 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 subject to any U.S. sanctions administered by the Office of Foreign Assets Control of the U.S. Department of the Treasury (such sanctions,
&#147;<U>Sanctions</U>&#148;), nor is the Company located, organized or resident in a country or territory that is the subject of Sanctions; and the Company does not intend to directly or indirectly use the proceeds of the offering of the Securities
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 the activities of any person, or in any country or territory, that is
subject to any 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. The Company and its
subsidiaries have not knowingly engaged in for the past five years, and are not knowingly engaged in, any dealings or transactions with any individual or entity, or in any country or territory, that at the time of the dealing or transaction is or
was the subject or target of Sanctions. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(u) The Company has not taken, directly or indirectly, any action designed to or
that could reasonably be expected to cause or result in any stabilization or manipulation of the price of the Securities. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) The application of the proceeds received by the Company from the issuance, sale and delivery of the Securities as described
in the Registration Statement, the Prospectus and the Time of Sale Prospectus will not violate Regulation T, U or X of the Board of Governors of the Federal Reserve System or any other regulation of such Board of Governors. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(w) The Company and its subsidiaries have taken commercially reasonable measures to maintain protections against unauthorized
access to, or disruption or failure of, their information technology systems. To the Company&#146;s knowledge, during the past twelve months, neither the Company nor any of its subsidiaries have been subject to any material unauthorized access to
their information technology systems or data maintained by them. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) The statements made in the Time of Sale Prospectus
and the Prospectus under the caption &#147;Description of the notes&#148; (including any statements referred to in the applicable paragraphs of the &#147;Description of Debt Securities of RGA&#148; section of the Basic Prospectus included in the
Prospectus), insofar as such statements constitute summaries of the Indenture and the Securities, are accurate in all material respects. The Securities conform in all material respects to the description thereof 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">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; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(y) Deloitte&nbsp;&amp; Touche LLP
(&#147;<U>Deloitte</U><U></U><U>&nbsp;&amp; Touche</U>&#148;), who has issued an 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 31, 2022, 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, 2022, is an independent registered public accounting firm as required by the Securities Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(z) 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, 2022 and 2021 and for each of the three years in the period ended December 31, 2022 in accordance with United States
generally accepted accounting principles consistently applied throughout such periods. 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:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. <U>Purchase and Sale</U>. Subject to the terms and conditions and in reliance upon the representations and warranties herein set forth, the
Company agrees to sell to the several Underwriters as provided in this Agreement, and each Underwriter agrees, severally and not jointly, to purchase from the Company the Securities at a purchase price of 98.989% of the principal amount thereof in
the respective aggregate principal amounts of the Securities set forth opposite the name of such Underwriter in Schedule I hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3.
<U>Delivery and Payment</U>. Securities to be purchased by the Underwriters hereunder, in definitive form to the extent practicable, and in such authorized denominations and registered in such names as the Representatives may request upon at least
forty-eight hours&#146; prior notice to the Company, shall be delivered by or on behalf of the Company to the Representatives for the respective accounts of the several Underwriters electronically to Simpson Thacher&nbsp;&amp; Bartlett, LLP on June
8, 2023 at 10:00 A.M., New York City time (or such later date not later than five business days after such specified date as the Underwriters and the Company may agree upon in writing), which date and time may be postponed by agreement between the
Representatives and the Company or as provided in Section&nbsp;8 hereof (such date and time of delivery and payment for the Securities being herein called the &#147;<U>Closing</U><U> </U><U>Date</U>&#148;). Delivery of the Securities shall be made
to the Representatives for the respective accounts of the several Underwriters against payment by or on behalf of such Underwriter of the purchase price thereof in Federal (same day) funds by official bank check or checks to or upon the order of the
Company or by wire transfer to an account specified by the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company agrees to have the Securities available for inspection,
checking and packaging by the Representatives in New York, New York, not later than 5:00 P.M. New York City time on the business day prior to the Closing Date. </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">4. <U>Agreements</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company agrees with each Underwriter 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) Prior to the termination of the offering of the Securities, the Company will not file any amendment or supplement to the
Registration Statement, the Basic Prospectus or the Time of Sale Prospectus and will not provide additional information to the Commission relating to the Registration Statement, the Basic Prospectus or the Time of Sale Prospectus unless the Company
has furnished the Representatives a copy for its review and provided the Representatives with a reasonable opportunity to comment on such proposed amendment, supplement or information prior to filing or submitting the same and will not file any such
proposed amendment or supplement and will not submit such additional information to which the Representatives reasonably object. The Company will promptly advise the Representatives in writing (i)&nbsp;when the Prospectus shall have been filed (or
transmitted for filing) with the Commission pursuant to Rule 424, (ii) when any amendment to the Registration Statement relating to the Securities shall have been filed or become effective, (iii)&nbsp;of any request by the Commission for any
amendment of the Registration Statement or amendment of or supplement to the Prospectus or for any additional information, (iv)&nbsp;of the issuance by the Commission of any stop order suspending the effectiveness of the Registration Statement or of
any notice objecting to its use or the institution or threatening of any proceeding for such purpose and (v)&nbsp;of the receipt by the Company of any notification with respect to the suspension of the qualification of Securities for sale in any
jurisdiction or the initiation or threatening of any proceeding for such purpose. The Company will use its best efforts to prevent the issuance of any such stop order and, if issued, to obtain as soon as possible the withdrawal thereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) As soon as practicable but in any event not later than twelve months after the deemed effective date of the Registration
Statement (as defined in Rule 158(c) under the Act), the Company will make generally available to its securityholders and to the Representatives a consolidated earnings statement or statements of the Company and its subsidiaries (which need not be
audited) which will satisfy the provisions of Section&nbsp;11(a) of the Act and the rules and regulations of the Commission (including, at the option of the Company, Rule 158 under the Act). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) The Company will furnish to the Representatives and counsel for the Underwriters, without charge, a conformed copy of the
Registration Statement (including exhibits thereto and documents incorporated by reference) and will deliver to the Representatives during the period mentioned in Section&nbsp;4(a)(iv) or 4(a)(v) below, as many copies of the Time of Sale Prospectus,
the Prospectus, any documents incorporated therein by reference therein and any supplements and amendments thereto or to the Registration Statement as the Representatives may reasonably request. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) If the Time of Sale Prospectus is being used to solicit offers to buy the Securities at a time when the Prospectus is not
yet available to prospective purchasers and 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 order to make the statements therein, in the light of the circumstances
under which they were made, not misleading, or if any event shall </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; margin-left:4%; font-size:10pt; font-family:Times New Roman">
occur or condition exist as a result of which the Time of Sale Prospectus conflicts with the information contained in the Registration Statement then on file, or 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, forthwith to 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 the statements in the Time of Sale Prospectus as so amended or supplemented will not, in the light of the circumstances under which they were made when delivered to a
prospective purchaser, be misleading or so that the Time of Sale Prospectus, as amended or supplemented, will no longer conflict with the Registration Statement, or so that the Time of Sale Prospectus, as amended or supplemented, will comply with
law. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) If, during such period after the first date of the public offering of the Securities as in the opinion of counsel
for the Underwriters the Prospectus (or in lieu thereof the notice referred to in Rule 173(a) under the Act) is required by law to be delivered in connection with sales by an Underwriter or dealer, any event shall occur or condition exist as a
result of which it is necessary to amend or supplement the Prospectus in order to make the statements therein, in the light of the circumstances under which they were made when the Prospectus (or in lieu thereof the notice referred to in Rule 173(a)
under the Act) is delivered to a purchaser, not misleading, or if it is necessary to amend or supplement the Prospectus to comply with applicable law, forthwith to prepare, file with the Commission and furnish, at its own expense, to the
Underwriters and to the dealers (whose names and addresses you will furnish to the Company) to which Securities may have been sold by you and to any other dealers upon request, either amendments or supplements to the Prospectus so that the
statements in the Prospectus as so amended or supplemented will not, in the light of the circumstances under which they were made when the Prospectus (or in lieu thereof the notice referred to in Rule 173(a) under the Act) is delivered to a
purchaser, be misleading or so that the Prospectus, as amended or supplemented, will comply with law. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) The Company
will promptly from time to time take such action as the Representatives may reasonably request to arrange for the qualification of the Securities for sale under the laws of such jurisdictions as the Representatives may reasonably designate and
maintain such qualifications in effect so long as required for the distribution of the Securities, 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 Securities; <I>provided</I><I> </I>that in connection therewith the Company shall not be required to qualify as a foreign corporation or to execute a general consent to service of process in any jurisdiction or to
subject itself to taxation in respect of doing business in any jurisdiction in which it is not otherwise subject. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii)
The Company covenants and agrees with each Underwriter that the Company will pay or cause to be paid the following: (i)&nbsp;the fees, disbursements and expenses of the Company&#146;s counsel and accountants in connection with the registration of
the Securities under the Act in connection with the preparation, printing and filing of the Registration Statement, the Basic Prospectus, any preliminary prospectus, the Time of Sale Prospectus, the Prospectus and any free writing prospectus
prepared by or on behalf 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">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; margin-left:4%; font-size:10pt; font-family:Times New Roman">
used by, or referred to by the Company and amendments and supplements to any of the foregoing, including all printing costs associated therewith, and the mailing and delivering of copies thereof
to the Underwriters and dealers, in the quantities hereinabove specified; (ii) the cost of printing or producing this Agreement, the Indenture, any Blue Sky Survey and any other documents in connection with the offering, purchase, sale and delivery
of the Securities; (iii)&nbsp;all expenses in connection with the qualification of the Securities for offering and sale under state securities and Blue Sky laws as provided in Section&nbsp;4(a)(vi) hereof, including any reasonable fees and
disbursements of counsel for the Underwriters in connection with such qualification and in connection with the Blue Sky and legal investment surveys; (iv)&nbsp;all expenses related to any electronic roadshow; (v)&nbsp;any fees charged by securities
rating services for rating the Securities; (vi)&nbsp;the cost of preparing the Securities; (vii)&nbsp;the fees and expenses of any Trustee, Paying Agent or Transfer Agent and counsel for any such Trustee, Paying Agent or Transfer Agent in connection
with the Securities; and (viii)&nbsp;all other costs and expenses incident to the performance of the Company&#146;s obligations hereunder which are not otherwise specifically provided for in this Section. It is understood, however, that, except as
provided in this Section, Section&nbsp;6 and Section&nbsp;7 hereof, the Underwriters will pay all of their own costs and expenses, including the fees of their counsel, transfer taxes on resale of any of the Securities by them, and any advertising
expenses connected with any offers they may make. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii) The Company will prepare the Prospectus as amended and
supplemented in relation to the Securities in a form approved by the Representatives and will file such Prospectus pursuant to Rule 424(b) under the Act not later than the Commission&#146;s close of business on the second business day following the
execution and delivery of this Agreement or, if applicable, such other time as may be required by Rule 424(b), and file promptly, and (unless made available on the Commission&#146;s EDGAR database) simultaneously provide the Representatives and,
upon request, each of the other Underwriters, with a copy of, 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 for so long as the delivery (or in lieu thereof the notice referred to in Rule 173(a) under the Act) of a prospectus is required in connection with the offering or sale of such Securities. The Company will prepare a final term sheet, containing
solely a description of the Securities, in a form approved by the Representatives and file such term sheet pursuant to Rule 433(d) under the Act within the time required by such Rule, and will file promptly all other material required to be filed by
the Company with the Commission pursuant to Rule 433(d) under the Act. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix) The Company has given the Representatives
notice of any filings made pursuant to the Exchange Act or the rules or regulations thereunder within 48 hours prior to the Applicable Time; the Company will give the Representatives notice of its intention to make any such filing from the time of
each sale of the Securities to the Closing Date and will furnish the Representatives with copies of any such documents a reasonable amount of time prior to such proposed filing and will not file or use any such document to which the Representatives
or counsel for the Underwriters shall reasonably object. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) Until the business day following the Closing Date, the
Company will not, without the consent of the Representatives, offer, sell or contract to sell, or announce the offering of, any senior debt securities (except for the Securities issued hereunder) covered by the Registration Statement or any other
registration statement filed under the Act. </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; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi) The Company will pay the required Commission filing fees relating to
the Securities within the time required by Rule 456(b)(1) under the Act without regard to the proviso therein and otherwise in accordance with Rules 456(b) and 457(r) under the Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each Underwriter and the Company agree as follows: The Company agrees that, unless it has obtained or will obtain the prior
written consent of the Representatives, and each Underwriter agrees that, unless it has obtained or will obtain, as the case may be, the prior written consent of the Company, it has not made and will not make any offer relating to the Securities
that would constitute an issuer free writing prospectus as defined in Rule 433 (an &#147;<U>Issuer</U><U> </U><U>Free</U><U> </U><U>Writing</U><U> </U><U>Prospectus</U>&#148;) or that would otherwise constitute a free writing prospectus required to
be filed by the Company with the Commission or retained by the Company under Rule 433, other than the information contained in any final term sheet prepared and filed pursuant to Section&nbsp;4(a)(viii) hereto; <I>provided </I>that the prior written
consent of the parties hereto shall be deemed to have been given in respect of the free writing prospectuses, if any, included in Schedule II hereto. Any such free writing prospectus consented to by the Representatives and the Company is hereinafter
referred to as a &#147;<U>Permitted Free Writing Prospectus</U>&#148;. The Company agrees that (i)&nbsp;it has treated and will treat, as the case may be, each Permitted Free Writing Prospectus as an Issuer Free Writing Prospectus and (ii)&nbsp;it
has complied and will comply, as the case may be, with the requirements of Rules 164 and 433 applicable to any Permitted Free Writing Prospectus, including in respect of timely filing with the Commission, legending and record keeping. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. <U>Conditions to the Obligations of the Underwriters</U>. The obligation of each Underwriter to purchase the Securities under this
Agreement shall be subject to the accuracy of the representations and warranties on the part of the Company contained herein as of the date hereof, as of the date of the Time of Sale Prospectus, as of the date of the effectiveness of any amendment
to the Registration Statement filed prior to the Closing Date with respect to such Securities (including the filing of any document incorporated by reference therein) and as of the Closing Date with respect to such Securities, to the accuracy of the
statements of the Company made in any certificates pursuant to the provisions hereof, to the performance by the Company of its obligations hereunder and to the following additional conditions: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) No stop order suspending the effectiveness of the Registration Statement, as amended from time to time or any notice
objecting to its use shall have been issued and no proceedings for that purpose shall have been instituted or threatened; all requests by the Commission for additional information shall have been complied with to the satisfaction of the
Underwriters; and the Prospectus with respect to such Securities shall have been filed or transmitted for filing with the Commission pursuant to Rule 424(b) not later than the Commission&#146;s close of business on the second day following the
execution and delivery of this Agreement or, if applicable, such other time as may be required by Rule 424(b). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The
Company shall have furnished to the Underwriters the opinion of Clifford R. Jenks, Esq., Senior Vice President, Corporate and Securities Counsel and Assistant Secretary of the Company, dated the Closing Date, in substantially the form attached
hereto as Annex 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">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; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Underwriters shall have received (i)&nbsp;an opinion, dated the
Closing Date, of Bass, Berry&nbsp;&amp; Sims PLC, counsel for the Company, in substantially the form attached hereto as Annex <FONT STYLE="white-space:nowrap">II-A,</FONT> and (ii)&nbsp;a negative assurances letter, dated the Closing Date, of Bass,
Berry&nbsp;&amp; Sims PLC, counsel for the Company, in substantially the form attached hereto as Annex <FONT STYLE="white-space:nowrap">II-B.</FONT> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The Underwriters shall have received from Simpson Thacher&nbsp;&amp; Bartlett, LLP, counsel for the Underwriters, such
opinion or opinions, dated the Closing Date, with respect to the issuance and sale of the Securities, the Indenture, the Registration Statement, the Time of Sale Prospectus, the Prospectus and other related matters as the Representatives may
reasonably require, and the Company shall have furnished to such counsel such documents as it reasonably requests for the purpose of enabling it to pass upon such matters. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Company shall have furnished to the Underwriters a certificate of the Company, signed by the Chairman of the Board, the
Chief Executive Officer, an Executive Vice President or a Senior Vice President and the principal financial or accounting officer or treasurer of the Company, dated the Closing Date, to the effect that the signers of such certificate have carefully
examined the Registration Statement, the Time of Sale Prospectus, the Prospectus and this Agreement and that to the best of their knowledge after reasonable investigation: </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 and warranties of the Company in this Agreement 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 as of the Closing Date, with the same effect as if made on the Closing
Date, and the Company has complied with, in all material respects, all of its agreements contained herein to be performed prior to the Closing Date; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) No stop order suspending the effectiveness of the Registration Statement, as amended, has been issued and no proceedings
for that purpose have been instituted or, to the Company&#146;s knowledge, threatened; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) Since the date of the
latest audited financial statements included or incorporated by reference in the Time of Sale Prospectus and the Prospectus, there has been no material adverse change nor any development involving a prospective material adverse change in the
condition (financial or other), earnings, business or properties of the Company and its consolidated subsidiaries, taken as a whole, whether or not arising from transactions in the ordinary course of business, except as set forth in or contemplated
by the Time of Sale Prospectus and the Prospectus. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) At the time this Agreement is executed and at the Closing Date,
Deloitte&nbsp;&amp; Touche, as independent accountants for the Company, shall have furnished to the Underwriters a letter or letters (which may refer to letters previously delivered to the Underwriters), dated such date, in form and substance
reasonably satisfactory to the Underwriters. </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; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) Subsequent to the respective dates as of which information is given in
the Registration Statement, the Time of Sale Prospectus and the Prospectus, there shall not have occurred (i)&nbsp;any material adverse change, or any development involving a prospective material adverse change, in the condition, financial or
otherwise, or in the earnings, business or operations of the Company and its subsidiaries, taken as a whole, from that set forth in the Time of Sale Prospectus or (ii)&nbsp;any material change or decrease in those items specified in the letter or
letters referred to in paragraph (f)&nbsp;of this Section&nbsp;5 the effect of which, in any case referred to in clause (i)&nbsp;or (ii) above, is, in the judgment of the Representatives, to make it impractical or inadvisable to proceed with the
offering or the delivery of the Securities as contemplated by the Registration Statement, the Time of Sale Prospectus and the Prospectus. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Prior to the Closing Date, the Company shall have furnished to the Underwriters such further information, certificates and
documents as the Underwriters may reasonably request. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) On or after the Applicable Time and subsequent to the execution
and delivery of this Agreement, and prior to the Closing Date there shall not have occurred any downgrading, nor shall notice have been given of any intended or potential downgrading or placement &#147;under review&#148; with negative implications
or with no indication of the direction of the possible change of the rating accorded any securities of, or guaranteed by, the Company by any &#147;nationally recognized statistical rating organization,&#148; as such term is defined for purposes of
Section&nbsp;3(a)(62) of the Exchange Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If any of the conditions specified in this Section&nbsp;5 shall not have been fulfilled in all material
respects when and as provided in this Agreement, or if any of the opinions and certificates mentioned above or elsewhere in this Agreement shall not be in all material respects reasonably satisfactory in form and substance to the Representatives and
counsel for the Underwriters in accordance with the terms of this Agreement, this Agreement and all obligations of the Underwriters hereunder may be canceled at, or at any time prior to, the Closing Date, by the Representatives. Notice of such
cancellation shall be given to the Company in writing or by telephone or telegraph confirmed in writing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. <U>Reimbursement of
Underwriters</U><U>&#146;</U><U> Expenses</U>. If the sale of the Securities provided for herein is not consummated because any condition to the obligations of the Underwriters set forth in Section&nbsp;5 hereof is not satisfied, because of any
termination pursuant to Section&nbsp;9 hereof or because of any refusal, inability or failure on the part of the Company to perform any agreement herein or comply with any provision hereof other than by reason of a default by the Underwriters, the
Company will reimburse the Underwriters upon demand for all <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses (including reasonable fees and disbursements of counsel) that shall have been incurred
by them in connection with the proposed purchase and sale of the Securities. </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">7. <U>Indemnification</U><U> </U><U>and</U><U> </U><U>Contribution</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company agrees to indemnify and hold harmless each Underwriter, each of such Underwriter&#146;s directors, officers and
affiliates, and each person who controls such Underwriter within the meaning of either the Act or the Exchange Act against any and all losses, claims, damages or liabilities, joint or several, to which they or any of them may become subject under
the Act, the Exchange Act or other Federal or state statutory law or regulation, at common law or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon any untrue statement
or alleged untrue statement of a material fact contained in the Registration Statement, the Basic Prospectus, the Time of Sale Prospectus, any preliminary prospectus, any free writing prospectus that the Company has filed, or is required to file,
pursuant to Rule 433(d) under the Act, any other free writing prospectus (including, without limitation, any electronic road show) or the Prospectus, or in any amendment thereof or supplement thereto, or arise out of or are based upon the omission
or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, and agrees to reimburse each such indemnified party, as incurred, for any legal or other expenses incurred
by them in connection with investigating or defending any such loss, claim, damage, liability or action; <I>provided</I>, <I>however</I>, that the Company shall not be liable in any such case to the extent that any such loss, claim, damage or
liability arises out of or is based upon any such untrue statement or alleged untrue statement or omission or alleged omission made therein in reliance upon and in conformity with written information relating to any Underwriter or the underwriting
arrangements furnished to the Company through the Representatives expressly for use in the Time of Sale Prospectus, any free writing prospectus that the Company has filed, or is required to file, pursuant to Rule 433(d) under the Act or the
Prospectus. This indemnity agreement will be in addition to any liability which the Company may otherwise have. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each
Underwriter agrees, severally and not jointly, to indemnify and hold harmless the Company, each of its directors, each of its officers who signs the Registration Statement and each person who controls the Company within the meaning of either the Act
or the Exchange Act to the same extent as the foregoing indemnity from the Company to each Underwriter, but only with reference to written information relating to such Underwriter or the underwriting arrangements furnished to the Company through the
Representatives expressly for use in the documents referred to in the foregoing indemnity. This indemnity agreement will be in addition to any liability which the Underwriters may otherwise have. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Promptly after receipt by an indemnified party under Section&nbsp;7(a) or Section&nbsp;7(b) of notice of the commencement
of any action, such indemnified party will, if a claim in respect thereof is to be made against the indemnifying party under Section&nbsp;7(a) or Section&nbsp;7(b), notify the indemnifying party in writing of the commencement thereof, but the
omission so to notify the indemnifying party will not relieve it from any liability which it may have to any indemnified party otherwise than under Section&nbsp;7(a) or Section&nbsp;7(b). In case any such action shall be brought against any
indemnified party, and it notifies the indemnifying party of the commencement thereof, the indemnifying party shall be entitled to participate therein and, to the extent that it shall wish, jointly with any other
</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; margin-left:4%; font-size:10pt; font-family:Times New Roman">
indemnifying party similarly notified, may elect by written notice delivered to the indemnified party promptly after receiving the aforesaid notice from such indemnified party, to assume the
defense thereof, with counsel reasonably satisfactory to such indemnified party; <I>provided</I>, <I>however</I>, that if the defendants in any such action include both the indemnified party and the indemnifying party and the indemnified party shall
have reasonably concluded that there may be legal defenses available to it and/or other indemnified parties which are different from or additional to those available to the indemnifying party, the indemnified party or parties shall have the right to
select separate counsel to assert such legal defenses and to otherwise participate in the defense of such action on behalf of such indemnified party or parties. Upon receipt of notice from the indemnifying party to such indemnified party of its
election so as to assume the defense of such action and approval by the indemnified party of counsel, the indemnifying party shall not be liable to such indemnified party under this Section&nbsp;7 for any legal or other expenses subsequently
incurred by such indemnified party in connection with the defense thereof, unless (i)&nbsp;the indemnified party shall have employed separate counsel in connection with the assertion of legal defenses in accordance with the proviso to the next
preceding sentence (it being understood, however, that the indemnifying party shall not be liable for the expenses of more than one separate counsel (in addition to one local counsel in each applicable jurisdiction), approved by the Underwriters in
the case of paragraph (a)&nbsp;of this Section&nbsp;7, representing the indemnified parties under such paragraph (a)&nbsp;who are parties to such action), (ii) the indemnifying party shall not have employed counsel reasonably satisfactory to the
indemnified party to represent the indemnified party within a reasonable time after notice of commencement of the action or (iii)&nbsp;the indemnifying party has authorized the employment of counsel for the indemnified party at the expense of the
indemnifying party; and except that, if clause (i)&nbsp;or (iii) is applicable, such liability shall be only in respect of the counsel referred to in such clause (i)&nbsp;or (iii). The indemnifying party shall have the right to, without the prior
written consent of the indemnified party, effect any settlement of any pending or threatened proceeding in respect of which any indemnified party is or could have been a party and indemnity could have been sought hereunder by such indemnified party
so long as such settlement (i)&nbsp;is limited to the payment of monetary damages only, (ii)&nbsp;includes an unconditional release of the indemnified party from all liability arising out of such proceeding and (iii)&nbsp;does not (x)&nbsp;include a
statement as to or an admission of fault, culpability or a failure to act by or on behalf of any indemnified party or (y)&nbsp;otherwise give rise to additional liabilities on the part of the indemnified party. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) If the indemnification provided for in this Section&nbsp;7 is unavailable to or insufficient to hold harmless an
indemnified party under subsection (a)&nbsp;or (b) above in respect of any losses, claims, damages or liabilities (or actions in respect thereof) referred to therein, then each indemnifying party shall contribute to the amount paid or payable by
such indemnified party as a result of such losses, claims, damages or liabilities (or actions in respect thereof) in such proportion as is appropriate to reflect the relative benefits received by the Company on the one hand and the Underwriters of
the Securities on the other from the offering of the Securities to which such loss, claim, damage or liability (or actions in respect thereof) relates. If, however, the allocation provided by the immediately preceding sentence is not permitted by
applicable law or if the indemnified party failed to give the notice required under subsection (c)&nbsp;above, then each indemnifying party shall </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; margin-left:4%; font-size:10pt; font-family:Times New Roman">
contribute to such amount paid or payable by such indemnified party in such proportion as is appropriate to reflect not only such relative benefits but also the relative fault of the Company on
the one hand and the Underwriters of the Securities on the other in connection with the statements or omissions which resulted in such losses, claims, damages or liabilities (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 shall be deemed to be in the same proportion as the total net proceeds from such offering (before deducting expenses) received by the
Company bear to the total underwriting discounts and commissions received by the Underwriters. The relative fault shall be determined by reference to, among other things, whether the untrue or alleged untrue statement of a material fact or the
omission or alleged omission to state a material fact relates to information supplied by the Company on the one hand or the Underwriters on the other and the parties&#146; relative intent, 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 contribution pursuant to this subsection (d)&nbsp;were determined by <U>pro rata</U> allocation or by any other method of
allocation which does not take account of the equitable considerations referred to above in this subsection (d). The amount paid or payable by an indemnified party as a result of the losses, claims, damages or liabilities (or actions in respect
thereof) referred to above in this subsection (d)&nbsp;shall be deemed to include 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 subsection (d), no Underwriter shall be required to contribute any amount in excess of the amount by which the total price at which the Securities underwritten by it and distributed to the public were offered to the public exceeds
the amount of any damages which such Underwriter has otherwise been required to pay by reason of such 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 Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. The obligations of the Underwriters for Securities in this subsection (d)&nbsp;to contribute are several in
proportion to their respective underwriting obligations with respect to such Securities and not joint. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. <U>Default</U><U>
</U><U>by</U><U> </U><U>an</U><U> </U><U>Underwriter</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) If any Underwriter shall default in its obligation to
purchase the Securities which it has agreed to purchase under this Agreement, the Representatives may in their discretion arrange for the Representatives or another party or other parties to purchase such Securities on the terms contained herein. If
within <FONT STYLE="white-space:nowrap">thirty-six</FONT> hours after such default by any Underwriter, the Representatives do not arrange for the purchase of such Securities, then the Company shall be entitled to a further period of <FONT
STYLE="white-space:nowrap">thirty-six</FONT> hours within which to procure another party or other parties satisfactory to the Representatives to purchase such Securities on such terms. In the event that, within the respective prescribed periods, the
Representatives notify the Company that it has so arranged for the purchase of such Securities, or the Company notifies the Representatives that it has so arranged for the purchase of such Securities, the Representatives or the Company shall have
the right to postpone the Closing Date for such Securities for a period of not more than five days, in order to effect whatever changes may thereby be made necessary in the Registration </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%; font-size:10pt; font-family:Times New Roman">
Statement or the Prospectus as amended or supplemented or in any other documents or arrangements, and the Company agrees to file promptly any amendments or supplements to the Registration
Statement or the Prospectus which in the opinion of the counsel for the Underwriters may thereby be made necessary. The term &#147;Underwriter&#148; as used in this Agreement shall include any person substituted under this Section&nbsp;8 with like
effect as if such person had originally been a party to this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If, after giving effect to any arrangements
for the purchase of the Securities of a defaulting Underwriter or Underwriters by the Representatives and the Company as provided in subsection (a)&nbsp;above, the aggregate principal amount of such Securities which remains unpurchased does not
exceed <FONT STYLE="white-space:nowrap">one-eleventh</FONT> of the aggregate principal amount of the Securities, then the Company shall have the right to require each <FONT STYLE="white-space:nowrap">non-</FONT> defaulting Underwriter to purchase
the principal amount of Securities which such Underwriter agreed to purchase under this Agreement and, in addition, to require each <FONT STYLE="white-space:nowrap">non-</FONT> defaulting Underwriter to purchase its <U>pro</U> <U>rata</U> share
(based on the principal amount of Securities which such Underwriter agreed to purchase under this Agreement) of the Securities of such defaulting Underwriter or Underwriters for which such arrangements have not been made; but nothing herein shall
relieve a defaulting Underwriter from liability for its default. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) If, after giving effect to any arrangements for the
purchase of the Securities of a defaulting Underwriter or Underwriters by the <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters and the Company as provided in subsection (a)&nbsp;above, the aggregate principal amount of Securities
which remains unpurchased exceeds <FONT STYLE="white-space:nowrap">one-eleventh</FONT> of the aggregate principal amount of the Securities, as referred to in subsection (b)&nbsp;above, or if the Company shall not exercise the right described in
subsection (b)&nbsp;above to require <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters to purchase Securities of a defaulting Underwriter or Underwriters, then this Agreement shall thereupon terminate, without liability on the part
of any <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriter or the Company, except that the Company will continue to be liable for the payment of expenses as set forth in Section&nbsp;6 hereof and except that the provisions of
Section&nbsp;7 hereof shall not terminate and shall remain in effect; but nothing herein shall relieve a defaulting Underwriter from liability for its default. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. <U>Termination</U>. This Agreement shall be subject to termination in the absolute discretion of the Representatives, by notice given to
the Company prior to delivery of and payment for the Securities on the Closing Date, if prior to such time (i)&nbsp;trading in the Company&#146;s common stock or any preferred stock or preferred securities shall have been suspended or materially
limited by the Commission or the New York Stock Exchange (&#147;<U>NYSE</U>&#148;) or trading in securities generally on the NYSE shall have been suspended or limited or minimum prices shall have been established on such Exchange, (ii)&nbsp;a
banking moratorium shall have been declared either by Federal or New York State authorities or (iii)&nbsp;there shall have occurred any outbreak or escalation of hostilities or any change in markets in the United States or elsewhere or any calamity
or crisis that, in the judgment of the Underwriters, makes it impracticable or inadvisable to proceed with the offering or the delivery of the Securities on the Closing Date, as contemplated by the Registration Statement, 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">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">10. <U>Representations and Indemnities to Survive</U>. The respective agreements,
representations, warranties, indemnities and other statements of the Company or its officers and of the Underwriters set forth in or made by or on behalf of them, respectively, pursuant to this Agreement shall remain in full force and effect,
regardless of any investigation made by or on behalf of any Underwriter or the Company or any of the officers, directors or controlling persons referred to in Section&nbsp;7 hereof, and will survive delivery of and payment for the Securities. The
provisions of Sections 6 and 7 hereof shall survive the termination or cancellation of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11. <U>Recognition</U><U>
</U><U>of</U><U> </U><U>the</U><U> </U><U>U.S.</U><U> </U><U>Special</U><U> </U><U>Resolution</U><U> </U><U>Regimes</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) 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; margin-left:4%; 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:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) For purposes of this Section&nbsp;11: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) &#147;<U>BHC</U><U> </U><U>Act</U><U> </U><U>Affiliate</U>&#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:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) &#147;<U>Covered</U><U>
</U><U>Entity</U>&#148; means any of the following: (A)&nbsp;a &#147;covered entity&#148; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &#167; 252.82(b); (B) 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 (C)&nbsp;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:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) &#147;<U>Default Right</U>&#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; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) &#147;<U>U.S. Special Resolution Regime</U>&#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">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">12. <U>Notices</U>. All communications hereunder will be in writing and effective only on
receipt, and, if sent to the Underwriters, will be mailed, delivered, telecopied, telegraphed or emailed and confirmed to the Underwriters, c/o J.P. Morgan Securities LLC, 383 Madison Avenue, New York, New York 10179, Facsimile: (212) <FONT
STYLE="white-space:nowrap">834-6081,</FONT> Attention: Investment Grade Syndicate Desk; BofA Securities, Inc., 114 West 47th Street,
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">NY8-114-07-01,</FONT></FONT></FONT> New York, New York 10036, Facsimile:
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">212-901-7881;</FONT></FONT> Attention: High Grade Debt Capital Markets Transaction Management/Legal; and U.S. Bancorp Investments, Inc., 214 N. Tryon Street, 26th Floor, Charlotte,
North Carolina 28202, Facsimile: (877) <FONT STYLE="white-space:nowrap">774-3462,</FONT> Attention: Debt Capital Markets. Notices sent to the Company, will be mailed, delivered, telecopied or telegraphed to and confirmed to it at Reinsurance Group
of America, Incorporated, 16600 Swingley Ridge Road, Chesterfield, Missouri 63017, attention of the General Counsel. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In accordance with
the requirements of the USA Patriot Act (Title III of Pub. L. <FONT STYLE="white-space:nowrap">107-</FONT> 56 (signed into law October 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:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13. <U>Authority of the Representatives</U>. The Representatives will act for the several Underwriters in connection with this Agreement, and
any action under this Agreement taken by the Representatives shall be binding upon all the Underwriters. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">14. <U>Successors</U>. This
Agreement will inure to the benefit of and be binding upon the parties hereto and their respective successors and the officers and directors and controlling persons referred to in Section&nbsp;7 hereof, and no other person will have any right or
obligation hereunder. No purchaser of any of the Securities from any Underwriter shall be deemed a successor or assign by reason merely of such purchase. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">15. <U>Entire</U><U> </U><U>Agreement</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a) 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 Securities, 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 Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b) The Company acknowledges that in connection with the offering of
the Securities: (i)&nbsp;each of the Underwriters has acted at arm&#146;s length and is not an agent of, and owes 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 prior written agreements (to the extent not superseded by this Agreement), if any, (iii)&nbsp;the Underwriters may have interests that differ from those of the Company and (iv)&nbsp;the Company has consulted its own
legal and financial advisors to the extent it deemed appropriate. 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 Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">16. <U>Counterparts</U>. This Agreement may be signed in two or more counterparts, each of which shall be
an original, with the same effect as if the signatures thereto and hereto were upon the same instrument. Counterparts may be delivered via facsimile, electronic mail (including any electronic signature covered by the U.S. federal ESIGN Act of 2000,
Uniform Electronic Transactions Act, the Electronic Signatures and Records Act or other applicable law, e.g., www.docusign.com) or other transmission method and 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: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">17. <U>Headings</U>. The headings of the sections of this Agreement have been inserted for
convenience of reference only and shall not be deemed a part of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">18. <U>Choice of Law</U>. This Agreement will be governed
by and construed in accordance with the laws of the State of New York. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>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">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">
<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" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">REINSURANCE GROUP OF AMERICA, INCORPORATED</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="bottom">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <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="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name: Brian W. Haynes</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Title: Senior Vice President and Corporate</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 Underwriting Agreement</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">Accepted and agreed by: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J.P. MORGAN SECURITIES LLC </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">As Representative
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 I hereto. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<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">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/ Stephen L. Sheiner<U></U><U></U><U></U></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: Stephen L. Sheiner Executive</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: Director</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 Underwriting Agreement</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">BOFA SECURITIES, INC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">As Representative 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 I hereto. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<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="bottom">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Randolph B. Randolph</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name: Randolph B. Randolph</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Title: Managing Director</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 Underwriting Agreement</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">U.S. BANCORP INVESTMENTS, INC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">As Representative 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 I hereto. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<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="bottom">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Chris Cicoletti</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name: Chris Cicoletti</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Title: Managing Director</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 Underwriting Agreement</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 I </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="86%"></TD>

<TD VALIGN="bottom" WIDTH="5%"></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>Aggregate&nbsp;Principal<BR>Amount&nbsp;of&nbsp;Securities<BR>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">J.P. Morgan Securities LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">110,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BofA Securities, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">100,000,000</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">U.S. Bancorp Investments, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">100,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SMBC Nikko Securities America, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">50,000,000</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">Mizuho Securities USA LLC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20,000,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">MUFG Securities Americas Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20,000,000</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 NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">400,000,000</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 II </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Free Writing Prospectuses </U></B></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">A.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Free Writing Prospectus deemed part of the Time of Sale Prospectus </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="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The Pricing Term Sheet, dated June 5, 2023, a copy of which is attached hereto. </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">B.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Free Writing Prospectus not deemed part of the Time of Sale Prospectus </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="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The Road Show, as posted on NetRoadshow on June 5, 2023. </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">

<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="35%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></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; font-size:10pt; font-family:Times New Roman"><B>Free Writing Prospectus</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Relating to
the Preliminary Prospectus</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Supplement dated June&nbsp;5, 2023</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><B>To the Prospectus dated March 15, 2023</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Filed pursuant to Rule 433</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Registration Statement No.&nbsp;333-270548</B></P></TD></TR>
</TABLE> <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:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>$400,000,000 6.000% Senior Notes due 2033 </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Final Term Sheet </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Dated
June 5, 2023 </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="28%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="71%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Issuer</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Reinsurance Group of America, Incorporated</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Security</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">SEC Registered 6.000% Senior Notes due 2033</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Principal Amount</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$400,000,000</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Trade Date</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">June&nbsp;5, 2023</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Settlement Date (T+3)*</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">June&nbsp;8, 2023</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Maturity Date</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">September&nbsp;15, 2033</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Coupon</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">6.000%</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Public Offering Price</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">99.639% of the principal amount</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Underwriting Discount</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">0.650%</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Net Proceeds to Issuer (after underwriting discount and before expenses)</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$395,956,000</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Yield to Maturity</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">6.043%</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Benchmark Treasury</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">3.375% due May&nbsp;15, 2033</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Benchmark Treasury Price /</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="white-space:nowrap">97-12</FONT> / 3.693%</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Spread to Benchmark Treasury:</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">+ 235 basis points</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Interest Payment Dates</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">March&nbsp;15 and September&nbsp;15, commencing March&nbsp;15, 2024</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Optional Redemption Provisions</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Make-whole call</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">At any time prior to June&nbsp;15, 2033 (3 months prior to maturity) at a discount rate of Treasury plus 40 basis points</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Par call</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">On or after June&nbsp;15, 2033 (3 months prior to maturity)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Authorized Denominations</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$2,000 and integral multiples of $1,000 in excess thereof</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">

<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="28%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="71%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>CUSIP / ISIN</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">759351AR0 / US759351AR05</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Ratings (Moody&#146;s / S&amp;P)**</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">[Intentionally Omitted]</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Joint Book Running Managers</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <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:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BofA Securities,
Inc.</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">U.S. Bancorp Investments, Inc.</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">SMBC Nikko Securities
America, Inc.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B><FONT STYLE="white-space:nowrap">Co-Managers</FONT></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mizuho Securities USA LLC</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">MUFG Securities
Americas Inc.</P></TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&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"><B>(*)</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B>It is expected that delivery of the notes will be made against payment therefor on or about June 8,
2023, which is the third business day following the date hereof (such settlement cycle being referred to as &#147;T+3&#148;). Pursuant to Rule <FONT STYLE="white-space:nowrap">15c6-1</FONT> under the Exchange Act, trades in the secondary market
generally are required to settle in two business days unless the parties to any such trade expressly agree otherwise. Accordingly, purchasers who wish to trade the notes prior to two business days before the date of delivery of the notes in this
offering will be required, by virtue of the fact that the notes initially will settle in T+3, to specify an alternative settlement cycle at the time of any such trade to prevent failed settlement. Purchasers of the notes who wish to trade the notes
prior to two business days before the date of delivery of the notes in this offering should consult their own advisors. </P></TD></TR></TABLE>
<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"><B>(**)</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B>An explanation of the significance of ratings may be obtained from the rating agencies. Generally,
rating agencies base their ratings on such material and information, and such of their own investigations, studies and assumptions, as they deem appropriate. The rating of the notes should be evaluated independently from similar ratings of other
securities. A credit rating of a security is not a recommendation to buy, sell or hold securities and may be subject to review, revision, suspension, reduction or withdrawal at any time by the assigning rating agency. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>The Issuer has filed a registration statement (including a prospectus, which consists of a preliminary prospectus supplement dated June&nbsp;5, 2023 and an
accompanying prospectus dated March&nbsp;15, 2023) with the SEC for the offering to which this communication relates. Before you invest, you should read the prospectus in that registration statement and other documents the Issuer has filed with the
SEC for more complete information about the Issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC website at </B><B><I>www.sec.gov</I></B><B>. Alternatively, the Issuer, any underwriter or any dealer
participating in the offering will arrange to send you the prospectus if you request it by calling: J.P. Morgan Securities LLC at (212) <FONT STYLE="white-space:nowrap">834-4533,</FONT> BofA Securities, Inc. at (800)
<FONT STYLE="white-space:nowrap">294-1322</FONT> or U.S. Bancorp Investments, Inc. at <FONT STYLE="white-space:nowrap">(877)&nbsp;558-2607.</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>ANY DISCLAIMERS OR OTHER NOTICES THAT MAY APPEAR BELOW ARE NOT APPLICABLE TO THIS COMMUNICATION AND SHOULD BE DISREGARDED. SUCH DISCLAIMERS OR OTHER
NOTICES WERE AUTOMATICALLY GENERATED AS A RESULT OF THIS COMMUNICATION BEING SENT VIA BLOOMBERG OR ANOTHER <FONT STYLE="white-space:nowrap">E-MAIL</FONT> SYSTEM. </B></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 III </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>List of Significant Subsidiaries of Reinsurance Group of America, Incorporated</U> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RGA Life and Annuity Insurance Company </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RGA Reinsurance Company
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RGA Reinsurance Company (Barbados) Ltd. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RGA Americas
Reinsurance Company, Ltd. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RGA Americas Investments LLC </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"><B><U>Form of Opinion of Senior Vice President, Corporate and Securities </U></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Counsel and Assistant Secretary </U></B></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-A </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Form of Opinion of Bass, </U></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Berry&nbsp;&amp; Sims, PLC </U></B></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 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Form of Negative Assurances Letter of Bass, Berry&nbsp;&amp; Sims, PLC </U></B></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-4.2
<SEQUENCE>3
<FILENAME>d515705dex42.htm
<DESCRIPTION>EX-4.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-4.2</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 4.2 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Eighth Supplemental Indenture </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">between </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Reinsurance Group of
America, Incorporated </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">The Bank of New York Mellon Trust Company, N.A., </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">as Trustee </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dated
June&nbsp;8, 2023 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6.000% Senior Notes due 2033 </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</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="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="right"><B>Page </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="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="9%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD>

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="5">ARTICLE I DEFINITIONS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;1.1&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Definition of Terms</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="5"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="5"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE II TERMS AND CONDITIONS OF THE SENIOR NOTES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.1&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Designation and Principal Amount</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.2&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Issue Date; Maturity</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.3&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Percentage of Principal Amount</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.4&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Place of Payment and Surrender for Registration of Transfer</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.5&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Registered Securities; Form; Denominations; Depositary</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.6&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Interest</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.7&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Optional Redemption</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.8&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>No Sinking Fund</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.9&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Events of Default</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.10</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Ranking</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.11</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Paying Agent; Security Registrar</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.12</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Defeasance</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.13</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>No Conversion</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.14</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>CUSIP Numbers</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.15</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Definitive Form of Senior Notes</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.16</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Company Reports</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.17</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Consolidation, Merger, Conveyance, Transfer or Lease</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;2.18</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Supplemental Indentures without Consent of Holders</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="5"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="5">ARTICLE III COVENANTS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;3.1&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Limitation on Liens</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <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">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="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="9%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="81%"></TD>

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


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Section&nbsp;3.2</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Limitations on Issuance or Disposition of Stock of Restricted Subsidiaries</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="5"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="5">ARTICLE IV MISCELLANEOUS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;4.1&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Ratification, Extension and Renewal of Indenture</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;4.2&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Trustee Not Responsible for Recitals</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;4.3&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Governing Law</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;4.4&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Severability</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;4.5&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Counterparts</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;4.6&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Successors and Assigns</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;4.7&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>FATCA Withholding</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><B>Section&nbsp;4.8&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP><B>Electronic Signatures</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="5"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="5">EXHIBIT A - FORM OF SENIOR NOTE</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">A-1</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <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">ii </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">EIGHTH SUPPLEMENTAL INDENTURE, dated June&nbsp;8, 2023 (this <B>&#147;Eighth Supplemental
Indenture&#148;</B>), between REINSURANCE GROUP OF AMERICA, INCORPORATED, a Missouri corporation (the <B>&#147;Company&#148;</B>), having its principal executive office at 16600 Swingley Ridge Road, Chesterfield, Missouri 63017 and THE BANK OF NEW
YORK MELLON TRUST COMPANY, N.A., a national banking association, as trustee (the <B>&#147;Trustee&#148;</B>), having its corporate trust office at 601 Travis Street, 16<SUP STYLE="font-size:75%; vertical-align:top">th</SUP> Floor, Houston, Texas
77002, supplementing the Indenture, dated as of August&nbsp;21, 2012, between the Company and the Trustee (the <B>&#147;Base Indenture&#148;</B> and, together with this Eighth Supplemental Indenture, the <B>&#147;Indenture&#148;</B>). </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">RECITALS OF THE COMPANY </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
Company executed and delivered the Base Indenture to the Trustee to provide for the issuance from time to time by the Company of its debentures, notes, bonds or other evidences of indebtedness (hereinafter generally called the <B>&#147;Debt
Securities&#148;</B>) to be issued in one or more series as provided in the Base Indenture, in an unlimited aggregate principal amount which may be authenticated and delivered as provided in the Base Indenture; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the terms of this Eighth Supplemental Indenture, the Company desires to provide for the establishment of a new series of Debt
Securities to be known as the 6.000% Senior Notes due 2033 (the <B>&#147;Senior Notes&#148;</B>), the form and substance of such Senior Notes and the terms, provisions and conditions thereof to be as set forth in the Indenture; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to Section&nbsp;3.1 of the Base Indenture, a new series of Debt Securities may at any time be established in or pursuant to a Board
Resolution, an Officers&#146; Certificate or one or more indentures supplemental to the Base Indenture; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company has requested that
the Trustee execute and deliver this Eighth Supplemental Indenture. All requirements necessary to make this Eighth Supplemental Indenture a valid instrument in accordance with its terms (and to make the Senior Notes, when duly executed by the
Company and duly authenticated and delivered by the Trustee, the valid and enforceable obligations of the Company) have been performed, and the execution and delivery of this Eighth Supplemental Indenture has been duly authorized in all respects.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, THIS EIGHTH SUPPLEMENTAL INDENTURE WITNESSETH: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For and in consideration of the premises and the purchase of Senior Notes by the Holders thereof, it is mutually covenanted and agreed, for
the equal and proportionate benefit of all Holders of Senior Notes, as follows: </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="center">ARTICLE I </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">DEFINITIONS </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;1.1
Definition of Terms</B> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless the context otherwise requires: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) a term not defined herein that is defined in the Base Indenture has the same meaning when used in this Eighth Supplemental Indenture; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) a term defined anywhere in this Eighth Supplemental Indenture has the same meaning throughout; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) the singular includes the plural and vice versa; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) a reference to a Section or Article is to a Section or Article of this Eighth Supplemental Indenture; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) headings are for convenience of reference only and do not affect interpretation; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) the following terms have the following meanings: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Applicable Fiscal Year&#148; </B>means the<B> </B>most recently completed fiscal year of the Company in respect of
which an annual report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> has been filed by the Company. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Base
Indenture&#148;</B> has the meaning set forth in the Recitals. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Capital Stock&#148;</B> means with respect to any
Person, any and all shares, interests, participations, rights or other equivalents (however designated) of stock of any class or kind or any other equity interests of such Person, including, without limitation, if such Person is a partnership,
partnership interests (whether general or limited) and any other interest or participation that confers on a Person the right to receive a share of the profits and losses of, or distributions of assets of, such partnership. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Code&#148; </B>means the Internal Revenue Code of 1986, as amended. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Company&#148;</B> has the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Consolidated Tangible Net Worth&#148;</B> means the total shareholders&#146; equity as reflected in the Company&#146;s
most recent consolidated balance sheet prepared in accordance with GAAP and filed with the Securities and Exchange Commission, less intangible assets such as goodwill, trademarks, tradenames, patents and unamortized debt discount and expense. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Debt Securities&#148; </B>has the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Eighth Supplemental Indenture&#148;</B> has the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;FATCA&#148;</B> means Sections 1471 through 1474 of the Code, as of the date hereof (or any amended or successor
version that is substantively comparable and not materially more onerous to comply with), any current or future regulations or official interpretations thereof and any agreement entered into pursuant to Section&nbsp;1471(b)(1) of the Code. </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; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Finance Lease Obligation&#148;</B> means an obligation of the
Company or any Subsidiary to pay rent or other amounts under a lease of (or another agreement conveying the right to use) real or personal property thereof that is required to be classified and accounted for as a finance lease on the face of a
balance sheet thereof in accordance with GAAP. For purposes of this Eighth Supplemental Indenture, the amount of such obligation shall be the capitalized amount thereof and the stated maturity thereof shall be the date of the last payment of rent or
any other amount due under such lease (or such other agreement) prior to the first date upon which such lease (or such other agreement) may be terminated by the lessee (or obligor) without payment of a penalty. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;GAAP&#148;</B> means generally accepted accounting principles as set forth in the statements and pronouncements of the
Financial Accounting Standards Board and in opinions of the Accounting Principles Board of the American Institute of Certified Public Accountants or in such other statements by such other entity as have been approved by a significant segment of the
accounting profession or which have other substantial authoritative support in the United States and are applicable in the circumstances, in each case as of the date of determination, as applied on a consistent basis. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Guarantee&#148;</B> by any Person means any Obligations, contingent or otherwise, of such Person guaranteeing any
Indebtedness of any other Person (the <I>&#147;primary obligor&#148;</I>) in any manner, whether directly or indirectly, and including, without limitation, every obligation of such Person (i)&nbsp;to purchase or pay (or advance or supply funds for
the purchase or payment of) such Indebtedness or to purchase (or to advance or supply funds for the purchase of) any security for the payment of such Indebtedness, (ii)&nbsp;to purchase property, securities or services for the purpose of assuring
the holder of such Indebtedness of the payment of such Indebtedness or (iii)&nbsp;to maintain working capital, equity capital or other financial statement condition or liquidity of the primary obligor so as to enable the primary obligor to pay such
Indebtedness (and the terms <I>&#147;Guaranteed,&#148; &#147;Guaranteeing&#148;</I> and <I>&#147;Guarantor&#148;</I> shall have meanings correlative to the foregoing); <I>provided, however,</I> that the Guarantee by any Person shall not include
endorsements by such Person for collection or deposit, in either case in the ordinary course of business. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Global
Senior Note&#148;</B> has the meaning set forth in Section&nbsp;2.5(a). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;H.15&#148; </B>has the meaning set forth
in Section&nbsp;2.7(a). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;H.15 TCM&#148; </B>has the meaning set forth in Section&nbsp;2.7(a). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Holder&#148;</B> means a Person in whose name a Senior Note is registered. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Indenture&#148;</B> has the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Indebtedness&#148;</B> of any Person means, without duplication: (i)&nbsp;every obligation of such Person for money
borrowed; (ii)&nbsp;every obligation of such Person evidenced by bonds, debentures, notes or similar instruments, including obligations incurred in connection with the acquisition of property, assets or businesses; (iii)&nbsp;every obligation of
such Person under conditional sale or other title retention agreements relating to assets or property purchased by such Person or issued or assumed as the deferred purchase price 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">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; margin-left:4%; font-size:10pt; font-family:Times New Roman">
property, assets or services (but excluding trade accounts payable or accrued liabilities arising in the ordinary course of business that are nor overdue by more than 90 days or are being
contested by such Person in good faith); (iv) every Finance Lease Obligation of such Person; (v)&nbsp;every obligation of such Person with respect to any Sale and Leaseback Transaction to which such Person is a party; (vi)&nbsp;every obligation of
such Person with respect to letters of credit, bankers&#146; acceptances or similar facilities issued for the account of such Person; (vii)&nbsp;the maximum fixed redemption or repurchase price of outstanding Redeemable Stock of such Person;
(viii)&nbsp;every obligation of such Person with respect to performance, surety or similar bonds; (ix)&nbsp;every obligation of such Person under interest rate swap or cap or similar agreements, or under foreign currency hedge, exchange or similar
agreements, of such Person; (x)&nbsp;if such Person is engaged in the insurance business, all Surplus Debt of such Person; (xi)&nbsp;every obligation of the type referred to in clauses (i)&nbsp;through (x) and (xii)&nbsp;of another Person the
payment of which such Person has Guaranteed or is otherwise responsible for or liable for, directly or indirectly, as obligor, Guarantor or otherwise; and (xii)&nbsp;every amendment, modification, renewal and extension of an obligation of the type
referred to in clauses (i)&nbsp;through (xi). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Insurance Regulator&#148;</B> means any Person having
(i)&nbsp;authority to administer or enforce any statute, regulation or other law of the United States, any State or the District of Columbia or any instrumentality or political subdivision thereof (or any order or decree of any court thereof)
governing the conduct of an insurance business, and (ii)&nbsp;jurisdiction over the matter in question. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Interest
Payment Date&#148;</B> has the meaning set forth in Section&nbsp;2.6(a). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Par Call Date&#148; </B>has the meaning
set forth in Section&nbsp;2.7(a). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Prospectus Supplement</B>&#148; means the prospectus dated March&nbsp;15, 2023,
as supplemented by a prospectus supplement dated June 5, 2023, pursuant to which the Senior Notes issued on the original issue date were offered to investors. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Obligations&#148;</B> means any principal, interest, penalties, fees, indemnifications, reimbursements, damages and
other liabilities payable under the documentation governing any Indebtedness. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Recitals&#148;</B> means the
Recitals of the Company set forth in this Eighth Supplemental Indenture. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Redeemable Stock&#148;</B> of a Person
means every Capital Stock of such Person that by its terms or otherwise is required to be redeemed or otherwise purchased by such Person, or is redeemable or so purchasable at the option of the holder thereof, at any time prior to the Stated
Maturity of the Capital Stock. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Remaining Life&#148; </B>has the meaning set forth in Section&nbsp;2.7(a). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Restricted Subsidiary&#148;</B> means: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) any Significant Subsidiary of the Company existing on the date hereof; </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; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) any Subsidiary of the Company, organized or acquired after the date
hereof, which is a Significant Subsidiary; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) an Unrestricted Subsidiary which is reclassified as a Restricted
Subsidiary by a resolution adopted by the Board of Directors, provided that a Subsidiary that is a Restricted Subsidiary solely pursuant to this clause (iii)&nbsp;may be subsequently reclassified as an Unrestricted Subsidiary by a resolution adopted
by the Board of Directors. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Sale and Leaseback Transaction&#148;</B> means any arrangement with any bank,
insurance company or other lender or investor (other than the Company or a Subsidiary), or to which such lender or investor is a party, providing for the leasing by the Company or any Subsidiary of any property or asset of the Company or any
Subsidiary that has been or is to be sold or transferred by the Company or any Subsidiary to such lender or investor or to any Person (other than the Company or a Subsidiary) to whom funds have been or are to be advanced by such lender or investor
on the security of such property or asset. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Senior Notes&#148;</B> has the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Significant Subsidiary&#148;</B> means each Subsidiary of the Company representing 10% or more of (i)&nbsp;both
(x)&nbsp;the consolidated earnings of the Company before income taxes and extraordinary items as of the end of the Applicable Fiscal Year, and (y)&nbsp;the consolidated total revenue of the Company during the Applicable Fiscal Year, or (ii)&nbsp;the
consolidated total assets of the Company as of the end of the Applicable Fiscal Year. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Surplus Debt&#148;</B> of
any Person engaged in the insurance business means any liability of such Person to another for repayment of a sum of money to such other Person under a written agreement approved by an Insurance Regulator providing for such liability to be paid only
out of surplus of such Person in excess of a minimum amount of surplus specified in such agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Treasury
Rate&#148;</B> has the meaning set forth in Section&nbsp;2.7(a). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Trustee&#148;</B> has the meaning set forth in
the Recitals. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Unrestricted Subsidiary&#148;</B> means any Subsidiary of the Company which is not a Restricted
Subsidiary. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>&#147;Voting Stock&#148;</B> means, with respect to a person, stock of any class or kind or any other
equity interest in a person, however designated, ordinarily having the power to vote for the election of directors, managers, trustees or other voting members of the governing body of such person, provided that, for the purposes of this definition,
stock or equity interests which by a resolution adopted by the Board of Directors carries only the right to vote conditioned on the happening of an event shall not be considered voting stock or voting equity interests whether or not such event shall
have happened. </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" ALIGN="center">ARTICLE II </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TERMS AND CONDITIONS OF THE SENIOR NOTES </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to Section&nbsp;3.1 of the Base Indenture, the Senior Notes are hereby established with the following terms and other provisions:
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.1 Designation and Principal Amount</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) There is hereby authorized a series of Debt Securities designated the &#147;6.000% Senior Notes due 2033,&#148; initially in the aggregate
principal amount at maturity of Four Hundred Million Dollars ($400,000,000). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Without the consent of the Holders of the Senior Notes,
the Company may, from time to time, create and issue additional Senior Notes having the same terms and conditions as the Senior Notes issued as of the date hereof in all respects, except for issue date, public offering price and, if applicable, the
first payment of interest thereon. Additional Senior Notes issued after the date hereof will form a single series with all such outstanding Senior Notes; provided that additional Senior Notes will not be issued with the same CUSIP, if any, as
existing Senior Notes unless such additional Senior Notes are fungible with existing Senior Notes for U.S. federal income tax purposes. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.2 Issue Date; Maturity </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to Section&nbsp;2.1(b), the Senior Notes shall initially be issued as of the date hereof; the Stated Maturity of the Senior Notes shall
be September&nbsp;15,&nbsp;2033 or if such date is not a Business Day, the next Business Day. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.3 Percentage of Principal
Amount </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to Section&nbsp;2.1(b), the Senior Notes will initially be issued at 99.639% of the principal amount. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.4 Place of Payment and Surrender for Registration of Transfer </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Payment of principal of (and premium, if any) and interest on Senior Notes shall be made, the transfer of Senior Notes will be registrable,
and Senior Notes will be exchangeable for Senior Notes of other denominations of a like principal amount at the office or agency of the Company maintained for such purpose, initially the Corporate Trust Office of the Trustee. Payment of principal of
(and premium, if any) and interest on Senior Notes issued as Global Senior Notes shall be payable by the Company through the Paying Agent to the Depositary in immediately available funds. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Payment of principal of (and premium, if any) and interest on Senior Notes issued in physical form shall be made, the transfer of Senior
Notes will be registrable, and Senior Notes will be exchangeable for Senior Notes of other denominations of a like principal amount at the office or agency of the Company maintained for such purpose, initially the Corporate Trust Office of the
Trustee; <U>provided</U> that, at the Company&#146;s option, interest on Senior Notes issued in physical form may be payable by (i)&nbsp;a U.S.&nbsp;Dollar check drawn on a bank in The City 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">
New York mailed to the address of the Person entitled thereto as such address shall appear in the Security Register, or (ii)&nbsp;upon application to the Security Registrar not later than the
relevant Regular Record Date by a Holder of a principal amount of Securities in excess of $5,000,000, wire transfer in immediately available funds, which application shall remain in effect until the Holder notifies, in writing, the Security
Registrar to the contrary. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.5 Registered Securities; Form; Denominations; Depositary </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Subject to Section&nbsp;2.1(b), the Senior Notes shall be issued in fully registered form, without coupons, as registered Debt Securities
and shall initially be issued in the form of one or more permanent Global Notes (the <B>&#147;Global Senior Notes&#148;</B>), and with the legends contained in, the form of Exhibit A hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Senior Notes shall not be issuable in bearer form. The terms and provisions contained in the form of Senior Note shall constitute, and
are hereby expressly made, a part of the Indenture and to the extent applicable, the Company, and the Trustee, by their execution and delivery of the Indenture, expressly agree to such terms and provisions and to be bound thereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Senior Notes shall be issued in denominations of $2,000 and integral multiples of $1,000 in excess thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Initially, the Depositary for the Senior Notes will be The Depository Trust Company. The Global Senior Notes will be registered in the
name of the Depositary or its nominee, Cede&nbsp;&amp; Co., and held by the Trustee as custodian for the Depositary for crediting to the accounts of its participants. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.6 Interest </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Senior Notes will bear interest at a rate of 6.000% per annum on the principal amount thereof from and including June&nbsp;8, 2023 to,
but excluding, September&nbsp;15, 2033, payable semiannually in arrears on March&nbsp;15 and September&nbsp;15 of each year (each, an <B>&#147;Interest Payment Date&#148;</B>), commencing on March&nbsp;15, 2024. The Regular Record Dates for the
Senior Notes shall be the immediately preceding March&nbsp;1 and September&nbsp;1, respectively, of each year. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The amount of interest
payable on the Senior Notes for any period will be computed on the basis of a <FONT STYLE="white-space:nowrap">360-day</FONT> year of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months. In the event that any date on which interest is
payable on the Senior Notes is not a Business Day, payment of the interest payable on such date will be made on the next day that is a Business Day (and without any additional interest or other payment in respect of any such delay), except that, if
such Business Day is in the next calendar year, such payment will be made on the preceding Business Day with the same force and effect as if made on the date such payment was originally payable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Company shall pay interest on overdue principal and on overdue installments of interest (without regard to any applicable grace
periods) from time to time on demand at the rate borne by the Senior Notes plus 1% per annum to the extent lawful. </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:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.7 Optional Redemption </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Prior to June&nbsp;15, 2033 (three months prior to their maturity date) (the &#147;<B>Par Call Date</B>&#148;), the Company may redeem the
Senior Notes at its option, in whole or in part, at any time and from time to time, at a Redemption Price (expressed as a percentage of principal amount and rounded to three decimal places) equal to the greater of: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;(a) the sum of the present values of the remaining scheduled payments of principal and interest thereon discounted to
the Redemption Date (assuming the Senior Notes to be redeemed matured on the Par Call Date) on a semi-annual basis (assuming a <FONT STYLE="white-space:nowrap">360-day</FONT> year consisting of twelve <FONT STYLE="white-space:nowrap">30-day</FONT>
months) at the Treasury Rate plus 40 basis points less (b)&nbsp;interest accrued to, but not including, the Redemption Date, and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) 100% of the principal amount of the Senior Notes to be redeemed; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">plus, in either case, accrued and unpaid interest thereon to, but not including, the Redemption Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On or after the Par Call Date, the Company may redeem the Senior Notes, in whole or in part, at any time and from time to time, at a
Redemption Price equal to 100% of the principal amount of the Senior Notes being redeemed plus accrued and unpaid interest on the Senior Notes to be redeemed to, but not including, the Redemption Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Treasury Rate</B>&#148; means, with respect to any Redemption Date, the yield determined by the Company in accordance with the
following two paragraphs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Treasury Rate shall be determined by the Company after 4:15 p.m., New York City time (or after such time as
yields on U.S. government securities are posted daily by the Board of Governors of the Federal Reserve System), on the third Business Day preceding the Redemption Date based upon the yield or yields for the most recent day that appear after such
time on such day in the most recent statistical release published by the Board of Governors of the Federal Reserve System designated as &#147;Selected Interest Rates (Daily)&#151;H.15&#148; (or any successor designation or publication)
(&#147;<B>H.15</B>&#148;) under the caption &#147;U.S. government securities&#150;Treasury constant maturities&#150;Nominal&#148; (or any successor caption or heading) (&#147;<B>H.15 TCM</B>&#148;). In determining the Treasury Rate, the Company
shall select, as applicable: (1)&nbsp;the yield for the Treasury constant maturity on H.15 exactly equal to the period from the Redemption Date to the Par Call Date (the &#147;<B>Remaining Life</B>&#148;); or (2)&nbsp;if there is no such Treasury
constant maturity on H.15 exactly equal to the Remaining Life, the two yields &#150; one yield corresponding to the Treasury constant maturity on H.15 immediately shorter than and one yield corresponding to the Treasury constant maturity on H.15
immediately longer than the Remaining Life &#150; and shall interpolate to the Par Call Date on a straight-line basis (using the actual number of days) using such yields and rounding the result to three decimal places; or (3)&nbsp;if there is no
such Treasury constant maturity on H.15 shorter than or longer than the Remaining Life, the yield for the single Treasury constant maturity on H.15 closest to the Remaining Life. For purposes of this paragraph, the applicable Treasury constant
maturity or maturities on H.15 shall be deemed to have a maturity date equal to the relevant number of months or years, as applicable, of such Treasury constant maturity from the Redemption Date. </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">If on the third Business Day preceding the Redemption Date H.15 TCM or any successor
designation or publication is no longer published, the Company shall calculate the Treasury Rate based on the rate per annum equal to the semi-annual equivalent yield to maturity at 11:00 a.m., New York City time, on the second Business Day
preceding such Redemption Date of the United States Treasury security maturing on, or with a maturity that is closest to, the Par Call Date, as applicable. If there is no United States Treasury security maturing on the Par Call Date but there are
two or more United States Treasury securities with a maturity date equally distant from the Par Call Date, one with a maturity date preceding the Par Call Date and one with a maturity date following the Par Call Date, the Company shall select the
United States Treasury security with a maturity date preceding the Par Call Date. If there are two or more United States Treasury securities maturing on the Par Call Date or two or more United States Treasury securities meeting the criteria of the
preceding sentence, the Company shall select from among these two or more United States Treasury securities the United States Treasury security that is trading closest to par based upon the average of the bid and asked prices for such United States
Treasury securities at 11:00 a.m., New York City time. In determining the Treasury Rate in accordance with the terms of this paragraph, the semi-annual yield to maturity of the applicable United States Treasury security shall be based upon the
average of the bid and asked prices (expressed as a percentage of principal amount) at 11:00 a.m., New York City time, of such United States Treasury security, and rounded to three decimal places. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The actions and determinations of the Company in determining the Redemption Price shall be conclusive and binding for all purposes, absent
manifest error. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The redemption provisions of Article XII of the Base Indenture shall apply to the Senior Notes; provided, however,
that notwithstanding anything in the Base Indenture to the contrary, notice of any redemption will be mailed or electronically delivered (or otherwise transmitted in accordance with the Depositary&#146;s procedures) at least 10&nbsp;days but not
more than 60&nbsp;days before the Redemption Date to each Holder of the Senior Notes to be redeemed. Any notice of redemption shall include a brief summary of the manner of calculation of the Redemption Price but need not include the Redemption
Price itself; provided however, that a supplemental notice will be mailed or electronically delivered (or otherwise transmitted in accordance with the Depositary&#146;s procedures) at least two Business Days prior to the Redemption Date including
the Redemption Price. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Any redemption notice may, at the Company&#146;s discretion, be subject to one or more conditions precedent,
including, but not limited to, completion of a corporate transaction that is pending (such as an equity or equity-linked offering, an incurrence of indebtedness or an acquisition or other strategic transaction involving a change of control in the
Company or another entity). If such redemption is so subject to satisfaction of one or more conditions precedent, such notice shall describe each such condition, and such notice may be rescinded in the event that any or all such conditions shall not
have been satisfied or otherwise waived by the Company (in the Company&#146;s sole discretion) on or prior to the Business Day immediately preceding the relevant Redemption Date. The Company shall notify Holders of any such rescission as soon as
practicable after the Company determines that such conditions precedent </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; font-size:10pt; font-family:Times New Roman">
will not be able to be satisfied or the Company is not able or willing to waive such conditions precedent, in each case subject to the policies and procedures of the Depositary (or any successor
Depositary). In any event, the Company shall provide written notice to the Trustee prior to the close of business on the Business Day prior to the relevant Redemption Date if any such redemption has been rescinded or delayed, and upon receipt of
such notice, the Trustee shall provide such notice to each Holder in the same manner in which the notice of redemption was given. Once notice of redemption is mailed or sent, subject to the satisfaction of any conditions precedent provided in the
notice of redemption, the Senior Notes called for redemption will become due and payable on the Redemption Date and at the applicable Redemption Price. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.8 No Sinking Fund </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The
Senior Notes shall not be subject to a sinking fund provision. The provisions contained in Article XIII of the Base Indenture shall not apply to the Senior Notes. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.9 Events of Default </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition to the Events of Default set forth in Section&nbsp;5.1 of the Base Indenture, it shall be an &#147;Event of Default&#148; with
respect to the Senior Notes if the following occurs and shall be continuing: an acceleration of the maturity of any Indebtedness of the Company or any Subsidiary, in an aggregate principal amount in excess of Two Hundred Twenty-Five Million Dollars
($225,000,000), if such failure to pay is not discharged or such acceleration is not annulled within 15 days after the Company shall have received due notice of such acceleration. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The additional Events of Default set forth in this Section&nbsp;2.9 are expressly being included solely to be applicable to the Senior Notes
specified in this Eighth Supplemental Indenture. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.10 Ranking </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Senior Notes shall constitute the senior debt obligations of the Company and shall rank equally in right of payment with all other existing
and future senior debt obligations of the Company. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.11 Paying Agent; Security Registrar </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Initially, the Trustee shall act as Paying Agent and Security Registrar. If the Senior Notes are issued in definitive form, the Corporate Trust
Office shall be the office or agency of the Paying Agent and the Security Registrar for the Senior Notes. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.12 Defeasance
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The defeasance provisions of Article XIV of the Base Indenture shall apply to the Senior Notes. </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; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.13 No Conversion </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Senior Notes will not be convertible into shares of Common Stock or any other security. The provisions contained in Article XV of the Base
Indenture shall not apply to the Senior Notes. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.14 CUSIP Numbers </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company in issuing the Senior Notes may use &#147;CUSIP&#148; numbers (if then generally in use), and, if so, the Trustee shall use
&#147;CUSIP&#148; numbers in notices of redemption as a convenience to Holders; <U>provided</U> that any such notice may state that no representation is made as to the correctness of such numbers either as printed on the Senior Notes or as contained
in any notice of a redemption and that reliance may be placed only on the other identification numbers printed on the Senior Notes, and any such redemption shall not be affected by any defect in or omission of such numbers. The Company will promptly
notify the Trustee of any change in the &#147;CUSIP&#148; numbers. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.15 Definitive Form of Senior Notes </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Senior Notes will be issued in definitive form only under the limited circumstances set forth in Section&nbsp;3.4 of the Base Indenture.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.16 Company Reports </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The provisions of Section&nbsp;7.4 of the Base Indenture relating to the nature, content and date for reports by the Company to the Holders, to
the extent such provisions are mandated by the Trust Indenture Act, shall apply to the Senior Notes. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.17 Consolidation,
Merger, Conveyance, Transfer or Lease. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">With respect to the Senior Notes, clause (i)&nbsp;of Section&nbsp;9.1 of the Base Indenture is
amended and restated in its entirety with the following: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;(a) the surviving Corporation or the Corporation which acquires by
conveyance or transfer, or which leases, the properties and assets of the Company substantially as an entirety shall be a Corporation organized and existing under the laws of the United States or any State or territory thereof or the District of
Columbia; and (b)&nbsp;if the Company is not the surviving Corporation, the surviving Corporation shall expressly assume, by an indenture supplemental hereto, executed and delivered to the Trustee, in form satisfactory to the Trustee, the due and
punctual payment of the principal of (and premium, if any) and interest on all the Debt Securities and the performance of every covenant of this Indenture on the part of the Company to be performed or observed, including providing for conversion or
exchange rights in accordance with the terms of the Debt Securities; </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; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.18 Supplemental Indentures without Consent of Holders </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">With respect to the Senior Notes, the provisions of Section&nbsp;10.1 of the Base Indenture relating to supplemental indentures without consent
of the Holders shall apply to the Senior Notes; provided that the Company and the Trustee may additionally amend the Indenture without the consent of the Holders to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) conform the terms of the Indenture that are applicable to the Senior Notes to the &#147;Description of the notes&#148; in the Prospectus
Supplement; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) comply with the requirements of any securities depositary. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE III </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">COVENANTS </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">With respect to the Senior Notes, Article XI of the Base Indenture is hereby supplemented by the following additional covenants of the
Company: </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.1 Limitation on Liens </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company will not, and will not permit any Subsidiary to, incur, issue, assume or guaranty any Indebtedness if such Indebtedness is secured
by a mortgage, pledge of, lien on, security interest in or other encumbrance upon any Voting Stock of any Restricted Subsidiary, whether such Voting Stock is now owned or is hereafter acquired, without providing that the Senior Notes (together with,
if the Company shall so determine, any other Indebtedness or obligations of the Company or any Subsidiary ranking equally with such Senior Notes and then existing or thereafter created) shall be secured equally and ratably with, or prior to, such
Indebtedness. The foregoing limitation 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) Indebtedness incurred, issued, assumed, guaranteed or permitted to exist
and secured by liens, security interests, pledges or other encumbrances which does not exceed 10% of the Company&#146;s then Consolidated Tangible Net Worth; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;Indebtedness secured by a pledge of, lien on or security interest in any Voting Stock of any entity if such pledge, lien or security
interest is made or granted prior to or at the time such entity becomes a Restricted Subsidiary; <U>provided</U> that such pledge, lien or security interest was not created in anticipation of the transfer of such Voting Stock to the Company or its
Subsidiaries; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) liens or security interests securing Indebtedness of a Subsidiary to the Company or a Restricted Subsidiary; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) the extension, renewal or replacement (or successive extensions, renewals or replacements), in whole or in part, of any lien or security
interest referred to in the foregoing clauses (b)&nbsp;and (c) but only if the principal amount of Indebtedness secured by the liens or security interests immediately prior thereto is not increased and the lien or security interest is not extended
to other property; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) pledges or deposits under workers&#146; compensation or other similar laws and judgment liens thereunder that are
not currently dischargeable; </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">(f) good faith deposits in connection with leases to which the Company or any Significant
Subsidiary is a party; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) deposits in connection with obtaining or maintaining self-insurance or obtaining the benefits of any law,
regulation or arrangement pertaining to unemployment insurance, old age pensions, social security or similar matters; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) liens created
by or resulting from any judgments or awards against the Company or any of the Company&#146;s Subsidiaries with respect to which the Company is in good faith prosecuting an appeal or other review proceedings, or liens incurred by the Company or any
of the Company&#146;s Subsidiaries for the purpose of obtaining a stay or discharge in the course of any litigation to which the Company is party; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) liens for taxes or assessments, governmental charges or levies not yet due or delinquent, or which can be paid thereafter without penalty,
or which are being contested in good faith by appropriate proceedings. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.2 Limitations on Issuance or Disposition of
Stock of Restricted Subsidiaries </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company will not, nor will it permit any Restricted Subsidiary to, issue, sell, assign, transfer
or otherwise dispose of any shares of Capital Stock (other than nonvoting preferred stock or other nonvoting interests) of any Restricted Subsidiary (or of any Subsidiary having direct or indirect control of any Restricted Subsidiary), except for,
subject to Article IX of the Base Indenture: (a)&nbsp;director&#146;s qualifying shares or other similar equity interests; (b)&nbsp;a sale, assignment, transfer or other disposition of any Capital Stock of any Restricted Subsidiary (or of any
Subsidiary having direct or indirect control of any Restricted Subsidiary) to the Company or to one or more Restricted Subsidiaries; (c)&nbsp;a sale, assignment, transfer or other disposition of all or part of the Capital Stock of any Restricted
Subsidiary (or of any Subsidiary having direct or indirect control of any Restricted Subsidiary) for consideration which is at least equal to the fair value of such Capital Stock as determined by the Company&#146;s Board of Directors acting in good
faith; (d)&nbsp;the issuance, sale, assignment, transfer or other disposition made in compliance with an order of a court or regulatory authority of competent jurisdiction, other than an order issued at the request of the Company or any Restricted
Subsidiary; or (e)&nbsp;issuance for consideration which is at least equal to fair value as determined by the Company&#146;s Board of Directors acting in good faith. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ARTICLE IV </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">MISCELLANEOUS </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;4.1 Ratification, Extension and Renewal of Indenture </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Base Indenture, as supplemented and amended by this Eighth Supplemental Indenture, is ratified, confirmed, extended and renewed, and this
Eighth Supplemental Indenture shall be deemed part of the Base Indenture in the manner and to the extent herein and therein provided. If any provision of this Eighth Supplemental Indenture is inconsistent with a provision of the Base Indenture, the
terms of this Eighth Supplemental Indenture shall control. This Eighth Supplemental Indenture shall only apply to the Senior Notes and shall not apply to any other Debt Securities of any other series issued under the Base Indenture (unless otherwise
specified pursuant to Section&nbsp;3.1 of the Base Indenture for Debt Securities of any such series). </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:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;4.2 Trustee Not Responsible for Recitals </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Recitals are made by the Company and not by the Trustee, and the Trustee assumes no responsibility for the correctness thereof. The Trustee
makes no representation as to the validity or sufficiency of this Eighth Supplemental Indenture or the Senior Notes. The Trustee shall not be accountable for the use or application by the Company of the Senior Notes or the proceeds thereof. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;4.3 Governing Law </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Eighth Supplemental Indenture and the Senior Notes shall be governed by, and construed in accordance with, the laws of the State of New
York. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;4.4 Severability </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In case any one or more of the provisions contained in this Eighth Supplemental Indenture or in the Senior Notes shall for any reason be held
to be invalid, illegal or unenforceable in any respect, such invalidity, illegality or unenforceability shall not affect any other provisions of this Eighth Supplemental Indenture or of the Senior Notes, but this Eighth Supplemental Indenture and
the Senior Notes shall be construed as if such invalid or illegal or unenforceable provision had never been contained herein or therein. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;4.5 Counterparts </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Eighth Supplemental Indenture may be executed in any number of counterparts each of which shall be an original; but such counterparts
shall together constitute but one and the same instrument. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;4.6 Successors and Assigns </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All covenants and agreements in the Indenture by the Company shall bind its successors and assigns, whether expressed or not. The Company will
have the right at all times to assign any of its respective rights or obligations under the Indenture to a direct or indirect wholly owned Subsidiary of the Company; provided that, in the event of any such assignment, the Company will remain liable
for all of its respective obligations. Subject to the foregoing, the Indenture will be binding upon and inure to the benefit of the parties thereto and their respective successors and assigns. The Indenture may not otherwise be assigned by the
parties thereto. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;4.7 FATCA Withholding </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In order to comply with the applicable reporting requirements of FATCA, the Company agrees (i)&nbsp;to provide to the Trustee tax information
about Holders or the transactions contemplated hereby (including any modification to the terms of such transactions), to the extent such information is directly available to the Company, so that the Trustee can determine whether it has <FONT
STYLE="white-space:nowrap">tax-related</FONT> obligations under FATCA and (ii)&nbsp;that the Trustee shall be entitled to make any withholding or deduction from payments under the Senior Notes to the extent necessary to comply with FATCA. </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:9%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;4.8 Electronic Signatures </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The words &#147;execution,&#148; signed,&#148; signature,&#148; and words of like import in this Eighth Supplemental Indenture shall include
images of manually executed signatures transmitted by facsimile, email or other electronic format (including, without limitation, &#147;pdf,&#148; &#147;tif&#148; or &#147;jpg&#148;) and other electronic signatures (including without limitation,
DocuSign and AdobeSign). The use of electronic signatures and electronic records (including, without limitation, any contract or other record created, generated, sent, communicated, received, or stored by electronic means) shall be of the same legal
effect, validity and enforceability as a manually executed signature or use of a paper-based record-keeping system to the fullest extent permitted by applicable law, including the Federal Electronic Signatures in Global and National Commerce Act,
the New York State Electronic Signatures and Records Act and any other applicable law, including, without limitation, any state law based on the Uniform Electronic Transactions Act or the Uniform Commercial Code. Without limitation to the foregoing,
and anything in this Eighth Supplemental Indenture to the contrary notwithstanding, (a)&nbsp;any Officers&#146; Certificate, Company Order, Opinion of Counsel, Senior Notes, certificate of authentication appearing on or attached to any Senior Notes,
supplemental indenture or other certificate, opinion of counsel, instrument, agreement or other document delivered pursuant to the Base Indenture may be executed, attested and transmitted by any of the foregoing electronic means and formats,
(b)&nbsp;all references in Section&nbsp;3.3 or elsewhere in the Base Indenture to the execution, attestation or authentication of any Senior Notes or any certificate of authentication appearing on or attached to any Senior Notes by means of a manual
or facsimile signature shall be deemed to include signatures that are made or transmitted by any of the foregoing electronic means or formats, and (c)&nbsp;any requirement in Section&nbsp;3.3 or elsewhere in the Base Indenture that any signature be
made under a corporate seal (or facsimile thereof) shall not be applicable to the Senior Notes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>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">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">IN WITNESS WHEREOF, the parties hereto have caused this Eighth Supplemental Indenture to be
duly executed as of the day and year first above written. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</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" NOWRAP>REINSURANCE GROUP OF AMERICA, INCORPORATED</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" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Brian W. Haynes</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Brian W. Haynes</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Senior Vice President and Corporate Treasurer</TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<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">Attest:</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" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Clifford R. Jenks</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Clifford R. Jenks</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Senior Vice President, Corporate and</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Securities Counsel and Assistant Secretary</TD></TR></TABLE> <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">THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., as Trustee</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" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ April Bradley</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name: April Bradley</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Title: Vice President</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 Eighth Supplemental Indenture </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">EXHIBIT A </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM OF SENIOR NOTE </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[FACE
OF SENIOR NOTE] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[THIS SENIOR NOTE IS A GLOBAL NOTE WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF
CEDE&nbsp;&amp; CO. AS NOMINEE OF THE DEPOSITORY TRUST COMPANY (THE <B>&#147;DEPOSITARY&#148;</B>), OR A NOMINEE OF THE DEPOSITARY. THIS NOTE IS EXCHANGEABLE FOR SENIOR NOTES REGISTERED IN THE NAME OF A PERSON OTHER THAN THE DEPOSITARY OR ITS
NOMINEE ONLY IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE, AND NO TRANSFER OF THIS SENIOR NOTE (OTHER THAN A TRANSFER OF THIS SENIOR NOTE AS A WHOLE BY THE DEPOSITARY TO A NOMINEE OF THE DEPOSITARY OR BY A NOMINEE OF THE DEPOSITARY TO THE
DEPOSITARY OR ANOTHER NOMINEE OF THE DEPOSITARY OR BY THE DEPOSITARY OR ANY SUCH NOMINEE TO A SUCCESSOR DEPOSITARY OR A NOMINEE OF SUCH SUCCESSOR DEPOSITARY) MAY BE REGISTERED UNLESS AND UNTIL THIS SENIOR NOTE IS EXCHANGED IN WHOLE OR IN PART FOR
SENIOR NOTES IN DEFINITIVE FORM. UNLESS THIS SENIOR NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITARY TO REINSURANCE GROUP OF AMERICA, INCORPORATED OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY SENIOR NOTE
ISSUED IS REGISTERED IN THE NAME OF CEDE&nbsp;&amp; CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITARY (AND ANY PAYMENT IS MADE TO CEDE&nbsp;&amp; CO., OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED
REPRESENTATIVE OF THE DEPOSITARY), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE&nbsp;&amp; CO., HAS AN INTEREST HEREIN.]<B> </B><SUP
STYLE="font-size:75%; vertical-align:top">*</SUP> </P> <P STYLE="margin-top:24pt; 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>6.000% Senior Notes due 2033 </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="35%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Certificate No.: <FONT STYLE="white-space:nowrap">R-_______</FONT></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">$__________</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>CUSIP No.: _________</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Senior Note is one of a duly authorized series of Debt Securities of REINSURANCE GROUP OF AMERICA,
INCORPORATED (the <B>&#147;Senior Notes&#148;</B>), all issued under and pursuant to an Indenture dated as of August&nbsp;21, 2012, duly executed and delivered by REINSURANCE GROUP OF AMERICA, INCORPORATED, a Missouri corporation (the
<B>&#147;Company&#148;</B>, which term includes any successor corporation under the Indenture hereinafter referred to), and The Bank of New York Mellon Trust Company, N.A., as trustee (the <B>&#147;Trustee&#148;</B>), as supplemented by the Eighth
Supplemental Indenture thereto dated June&nbsp;8, 2023, between the Company and the Trustee, to which Indenture and all indentures supplemental </P>
<P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&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="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">*</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Insert if Senior Notes are in global form. </P></TD></TR></TABLE>

 <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">A-1 </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">
thereto reference is hereby made for a description of the rights, limitations of rights, obligations, duties and immunities thereunder of the Trustee, the Company and the Holders of the Senior
Notes. By the terms of the Indenture, the Debt Securities are issuable in series that may vary as to amount, date of maturity, rate of interest and in other respects as provided in the Indenture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company, for value received, hereby promises to pay to [Cede&nbsp;&amp; Co.]<SUP STYLE="font-size:75%; vertical-align:top">*</SUP>, or
registered assigns, the principal sum of __________ ($__________) [(as increased or decreased on the attached Schedule of Increases and Decreases)]<SUP STYLE="font-size:75%; vertical-align:top">*</SUP> on September&nbsp;15, 2033 or if such date is
not a Business Day, the following Business Day. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest Payment Dates: March&nbsp;15 and September&nbsp;15, commencing on March&nbsp;15,
2024. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Record Dates: March&nbsp;1 and September 1. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the further provisions of this Senior Note set forth on the reverse hereof, which further provisions shall for all
purposes have the same effect as if set forth at this place. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&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="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">*</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Insert if Senior Notes are in global form. </P></TD></TR></TABLE>
 <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">A-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">IN WITNESS WHEREOF, the Company has caused this Senior Note to be duly executed manually or
by facsimile by its duly authorized officers. </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</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="bottom" COLSPAN="3">REINSURANCE GROUP OF AMERICA, INCORPORATED</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="bottom">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Brian W. Haynes</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Senior Vice President and Corporate Treasurer</TD></TR></TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<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="bottom">Attest:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Clifford R. Jenks</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Senior Vice President, Corporate and Securities Counsel and Assistant Secretary</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TRUSTEE&#146;S CERTIFICATE OF AUTHENTICATION </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This is one of the 6.000% Senior Notes due 2033 issued under the within mentioned Indenture. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<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="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" NOWRAP>THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., as Trustee</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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">By:</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Authorized Signatory</P></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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dated: _________, 20__</P></TD></TR>
</TABLE>
 <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">A-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" ALIGN="center">[REVERSE OF SENIOR NOTE] </P>
<P STYLE="margin-top:6pt; 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:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>6.000% Senior Notes due 2033 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">To the extent that any rights or other provisions of this Senior Note differ from or are inconsistent with those contained in the Indenture,
then the Indenture shall control. Capitalized terms used herein but not defined shall have the meanings assigned to them in the Indenture referred to below unless otherwise indicated. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>1. Principal and Interest. </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Reinsurance Group of America, Incorporated,</B> a Missouri corporation (the <B>&#147;Company&#148;</B>), promises to pay interest on the
principal amount of this Senior Note in the manner specified below at the rate of 6.000% per annum from and including June&nbsp;8, 2023, to, but excluding, the Stated Maturity. The Company will pay interest on this Senior Note semiannually in
arrears on March&nbsp;15 and September&nbsp;15 of each year (each an <B>&#147;Interest Payment Date&#148;</B>), commencing on March&nbsp;15, 2024. Interest not paid on the scheduled Interest Payment Date will accrue and compound semiannually at the
rate borne by the principal amount of this Senior Note. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest on the Senior Notes shall be computed on the basis of a <FONT
STYLE="white-space:nowrap">360-day</FONT> year of twelve <FONT STYLE="white-space:nowrap">30-day</FONT> months. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company shall pay
interest on overdue principal and on overdue installments of interest (without regard to any applicable grace periods) from time to time on demand at the rate borne by the Senior Notes plus 1% per annum to the extent lawful. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>2. Ranking. </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Senior Notes shall
constitute the senior debt obligations of the Company and shall rank equally in right of payment with all other existing and future senior debt obligations of the Company. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>3. Method of Payment. </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest on any
Senior Note which is payable, and is punctually paid or duly provided for, on any Interest Payment Date shall be paid to the person in whose name that Senior Note (or one or more Predecessor Securities) is registered at the close of business on the
Regular Record Date for the payment of such interest. In the event that any date on which interest is payable on the Senior Notes is not a Business Day, payment of the interest payable on such date will be made on the next day that is a Business Day
(and without any additional interest or other payment in respect of any such delay), except that, if such Business Day is in the next calendar year, such payment will be made on the preceding Business Day with the same force and effect as if made on
the date such payment was originally payable. </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">A-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; font-size:10pt; font-family:Times New Roman"><I>4. Paying Agent and Security Registrar. </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Initially, The Bank of New York Mellon Trust Company, N.A., the Trustee, will act as Paying Agent and Security Registrar. The Company may
change the Paying Agent and Security Registrar without notice to any Holder. The Company or any of its Subsidiaries may, subject to certain exceptions, act in any such capacity. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>5. Indenture. </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Senior Note is one of
a duly authorized series of the 6.000% Senior Notes due 2033 (the <B>&#147;Senior Notes&#148;</B>) of the Company, initially limited in aggregate principal amount to $400,000,000 and issued under an Indenture, dated as of August&nbsp;21, 2012 (the
<B>&#147;Base Indenture&#148;</B>), as supplemented by a Eighth Supplemental Indenture dated as of June&nbsp;8, 2023 (the <B>&#147;Eighth Supplemental Indenture&#148;</B> and, together with the Base Indenture, the <B>&#147;Indenture&#148;</B>), in
each case, between the Company and The Bank of New York Mellon Trust Company, N.A., as trustee (the <B>&#147;Trustee&#148;</B>). The terms of this Senior Note include those stated in the Indenture and those made part of the Indenture by reference to
the Trust Indenture Act of 1939, as amended (the <B>&#147;TIA&#148;</B>). This Senior Note is subject to all such terms, and by acceptance hereof, Holders agree to be bound by all of such terms, as the same may be amended from time to time. Holders
are referred to the Indenture and the TIA for a statement of all such terms. To the extent permitted by applicable law, in the event of any inconsistency between the terms of this Senior Note and the terms of the Indenture, the terms of the
Indenture shall control. Capitalized terms used but not defined herein have the meanings assigned to them in the Indenture unless otherwise indicated. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>6. Optional Right of Redemption. </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
Prior to June&nbsp;15, 2033 (three months prior to their maturity date) (the &#147;<B>Par Call Date</B>&#148;), the Company may redeem the Senior Notes at its option, in whole or in part, at any time and from time to time, at a Redemption Price
(expressed as a percentage of principal amount and rounded to three decimal places) equal to the greater of: </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">(i)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">(a) the sum of the present values of the remaining scheduled payments of principal and interest thereon
discounted to the Redemption Date (assuming the Senior Notes to be redeemed matured on the Par Call Date) on a semi-annual basis (assuming a <FONT STYLE="white-space:nowrap">360-day</FONT> year consisting of twelve
<FONT STYLE="white-space:nowrap">30-day</FONT> months) at the Treasury Rate plus 40 basis points less (b)&nbsp;interest accrued to, but not including, the Redemption Date, and </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">(ii)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">100% of the principal amount of the Senior Notes to be redeemed; </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">plus, in either case, accrued and unpaid interest thereon to, but not including, the Redemption Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On or after the Par Call Date, the Company may redeem the Senior Notes, in whole or in part, at any time and from time to time, at a
Redemption Price equal to 100% of the principal amount of the Senior Notes being redeemed plus accrued and unpaid interest on the Senior Notes to be redeemed to, but not including, the Redemption Date. </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">A-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; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Treasury Rate</B>&#148; means, with respect to any Redemption Date, the yield
determined by the Company in accordance with the following two paragraphs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Treasury Rate shall be determined by the Company after
4:15 p.m., New York City time (or after such time as yields on U.S. government securities are posted daily by the Board of Governors of the Federal Reserve System), on the third Business Day preceding the Redemption Date based upon the yield or
yields for the most recent day that appear after such time on such day in the most recent statistical release published by the Board of Governors of the Federal Reserve System designated as &#147;Selected Interest Rates (Daily)&#151;H.15&#148; (or
any successor designation or publication) (&#147;<B>H.15</B>&#148;) under the caption &#147;U.S. government securities&#150;Treasury constant maturities&#150;Nominal&#148; (or any successor caption or heading) (&#147;<B>H.15 TCM</B>&#148;). In
determining the Treasury Rate, the Company shall select, as applicable: (1)&nbsp;the yield for the Treasury constant maturity on H.15 exactly equal to the period from the Redemption Date to the Par Call Date (the &#147;<B>Remaining Life</B>&#148;);
or (2)&nbsp;if there is no such Treasury constant maturity on H.15 exactly equal to the Remaining Life, the two yields &#150; one yield corresponding to the Treasury constant maturity on H.15 immediately shorter than and one yield corresponding to
the Treasury constant maturity on H.15 immediately longer than the Remaining Life &#150; and shall interpolate to the Par Call Date on a straight-line basis (using the actual number of days) using such yields and rounding the result to three decimal
places; or (3)&nbsp;if there is no such Treasury constant maturity on H.15 shorter than or longer than the Remaining Life, the yield for the single Treasury constant maturity on H.15 closest to the Remaining Life. For purposes of this paragraph, the
applicable Treasury constant maturity or maturities on H.15 shall be deemed to have a maturity date equal to the relevant number of months or years, as applicable, of such Treasury constant maturity from the Redemption Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If on the third Business Day preceding the Redemption Date H.15 TCM or any successor designation or publication is no longer published, the
Company shall calculate the Treasury Rate based on the rate per annum equal to the semi-annual equivalent yield to maturity at 11:00 a.m., New York City time, on the second Business Day preceding such Redemption Date of the United States Treasury
security maturing on, or with a maturity that is closest to, the Par Call Date, as applicable. If there is no United States Treasury security maturing on the Par Call Date but there are two or more United States Treasury securities with a maturity
date equally distant from the Par Call Date, one with a maturity date preceding the Par Call Date and one with a maturity date following the Par Call Date, the Company shall select the United States Treasury security with a maturity date preceding
the Par Call Date. If there are two or more United States Treasury securities maturing on the Par Call Date or two or more United States Treasury securities meeting the criteria of the preceding sentence, the Company shall select from among these
two or more United States Treasury securities the United States Treasury security that is trading closest to par based upon the average of the bid and asked prices for such United States Treasury securities at 11:00 a.m., New York City time. In
determining the Treasury Rate in accordance with the terms of this paragraph, the semi-annual yield to maturity of the applicable United States Treasury security shall be based upon the average of the bid and asked prices (expressed as a percentage
of principal amount) at 11:00 a.m., New York City time, of such United States Treasury security, and rounded to three decimal places. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
actions and determinations of the Company in determining the Redemption Price shall be conclusive and binding for all purposes, absent manifest error. </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">A-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; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The redemption provisions of Article XII of the Base Indenture shall apply to the Senior
Notes; provided, however, that notwithstanding anything in the Base Indenture to the contrary, notice of any redemption will be mailed or electronically delivered (or otherwise transmitted in accordance with the Depositary&#146;s procedures) at
least 10&nbsp;days but not more than 60&nbsp;days before the Redemption Date to each Holder of the Senior Notes to be redeemed. Any notice of redemption shall include a brief summary of the manner of calculation of the Redemption Price but need not
include the Redemption Price itself; provided however, that a supplemental notice will be mailed or electronically delivered (or otherwise transmitted in accordance with the Depositary&#146;s procedures) at least two Business Days prior to the
Redemption Date including the Redemption Price. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Any redemption notice may, at the Company&#146;s discretion, be subject to one or
more conditions precedent, including, but not limited to, completion of a corporate transaction that is pending (such as an equity or equity-linked offering, an incurrence of indebtedness or an acquisition or other strategic transaction involving a
change of control in the Company or another entity). If such redemption is so subject to satisfaction of one or more conditions precedent, such notice shall describe each such condition, and such notice may be rescinded in the event that any or all
such conditions shall not have been satisfied or otherwise waived by the Company (in the Company&#146;s sole discretion) on or prior to the Business Day immediately preceding the relevant Redemption Date. The Company shall notify Holders of any such
rescission as soon as practicable after the Company determines that such conditions precedent will not be able to be satisfied or the Company is not able or willing to waive such conditions precedent, in each case subject to the policies and
procedures of the Depositary (or any successor Depositary). In any event, the Company shall provide written notice to the Trustee prior to the close of business on the Business Day prior to the relevant Redemption Date if any such redemption has
been rescinded or delayed, and upon receipt of such notice, the Trustee shall provide such notice to each Holder in the same manner in which the notice of redemption was given. Once notice of redemption is mailed or sent, subject to the satisfaction
of any conditions precedent provided in the notice of redemption, the Senior Notes called for redemption will become due and payable on the Redemption Date and at the applicable Redemption Price. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>7. No Sinking Fund. </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Senior Notes
will not be subject to a sinking fund provision. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>8. Defaults and Remedies. </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Indenture provides that an Event of Default with respect to the Senior Notes occurs upon the occurrence of specified events. If an Event of
Default shall occur and be continuing, the principal of all of the Senior Notes may become or be declared due and payable, in the manner, with the effect provided in the Indenture. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>9. Amendment; Supplement; Waiver. </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
Indenture provides for amendments, supplements and waivers with respect to the Indenture as set forth in Article X of the Base Indenture, as amended by Section&nbsp;2.18 of the Eighth Supplemental Indenture. </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">A-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; font-size:10pt; font-family:Times New Roman"><I>10. Restrictive Covenants. </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Indenture imposes certain limitations on the ability of the Company and its Subsidiaries to, among other things, create certain liens,
issue or dispose of stock of Restricted Subsidiaries and consummate certain mergers and consolidations or sales of all or substantially all of its assets. The limitations are subject to a number of important qualifications and exceptions. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>11. Denomination; Transfer; Exchange. </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Senior Notes of this series are issuable only in registered form without coupons in denominations of $2,000 and integral multiples of
$1,000 in excess thereof. As provided in the Indenture and subject to certain limitations herein and therein set forth, Senior Notes of this series so issued are exchangeable for a like aggregate principal amount at maturity of Senior Notes of this
series of a different authorized denomination, as requested by the Holder surrendering the same. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As provided in the Indenture and subject
to certain limitations therein set forth, this Senior Note is transferable by the registered Holder hereof on the Security Register of the Company, upon surrender of this Senior Note for registration of transfer at the office or agency of the
Trustee in the City and State of New York accompanied by a written instrument or instruments of transfer in form satisfactory to the Company or the Trustee duly executed by the registered Holder hereof or his attorney duly authorized in writing, and
thereupon one or more new Senior Notes of authorized denominations and for the same aggregate principal amount at maturity will be issued to the designated transferee or transferees. No service charge will be made for any such transfer, but the
Company may require payment of a sum sufficient to cover any tax or other governmental charge payable in relation thereto. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>12. Persons Deemed Owners.
</I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The registered Holder of this Senior Note shall be treated as its owner for all purposes. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>13. Defeasance. </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to certain
conditions contained in the Indenture, at any time some or all of the Company&#146;s obligations under the Senior Notes and the Indenture may be discharged if the Company deposits with the Trustee money and/or U.S. Government Obligations sufficient
to pay the principal of and interest on the Senior Notes to Stated Maturity. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>14. No Recourse Against Others. </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No recourse shall be had for the payment of the principal of or the interest on this Senior Note, or any part hereof or of the indebtedness
represented hereby, or upon any obligation, covenant or agreement of the Indenture, against any incorporator, shareholder, officer or director, as such, past, present or future, of the Company (or any incorporator, shareholder, officer or director
of any predecessor or successor corporation), either directly or through the Company (or of any predecessor or successor corporation), whether by virtue of any constitution, statute or rule of law, or by the enforcement of any assessment or penalty
or otherwise, all such liability </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">A-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; font-size:10pt; font-family:Times New Roman">
being, by the acceptance hereof and as part of the consideration for the issuance hereof, expressly waived and released; provided, however, that nothing herein shall be taken to prevent recourse
to and the enforcement of the liability, if any, of any shareholder or subscriber to capital stock upon or in respect of the shares of capital stock not fully paid. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>15. CUSIP Numbers. </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company may cause
CUSIP numbers to be printed on the Senior Notes as a convenience to Holders. No representation is made as to the accuracy of such numbers, and reliance may be placed only on the other identification numbers printed hereon. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>16. Authentication. </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Senior Note
shall not be valid until the Trustee (or authenticating agent) executes the certificate of authentication on the other side of this Senior Note. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>17.
Governing Law. </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Indenture and this Senior Note shall be governed by, and construed in accordance with, the laws of the State of New
York. </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">A-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; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SCHEDULE OF INCREASES OR DECREASES IN GLOBAL SENIOR NOTE<SUP
STYLE="font-size:75%; vertical-align:top">*</SUP> </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The initial aggregate principal amount of this Global Senior Note is $________. The
following increases or decreases in this Global Senior Note have been made: </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:8pt" ALIGN="center">


<TR>

<TD WIDTH="26%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="22%"></TD>

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

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman">Date of Exchange</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of decrease</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">in Principal Amount</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">of Senior
Notes</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">evidenced by this</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global
Senior Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Amount of increase</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">in Principal Amount</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">of Senior
Notes</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">evidenced by this</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Global
Senior Note</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Principal&nbsp;Amount&nbsp;of<BR>Senior Notes<BR>evidenced by
this<BR>Global Senior Note<BR>following such<BR>decrease or increase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Signature&nbsp;of<BR>authorized&nbsp;officer
of<BR>Trustee&nbsp;or&nbsp;Securities<BR>Custodian</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000">&nbsp;</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&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="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:75%; vertical-align:top">*</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Insert if Senior Notes are in global form. </P></TD></TR></TABLE>
 <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">A-10 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>4
<FILENAME>d515705dex51.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="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g515705g63f44.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">150 Third Avenue South, Suite 2800 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Nashville, TN 37201 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(615) <FONT
STYLE="white-space:nowrap">742-6200</FONT> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">June&nbsp;8, 2023 </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="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">Re:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Offering of 6.000% Senior Notes due 2033 </P></TD></TR></TABLE>
<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; font-size:10pt; font-family:Times New Roman">We have acted as counsel to Reinsurance
Group of America, Incorporated, a Missouri corporation (the &#147;<B><I>Company</I></B>&#148;), in connection with the Company&#146;s offering of $400,000,000 aggregate principal amount of 6.000% Senior Notes due 2033 (the
&#147;<B><I>Notes</I></B>&#148;), pursuant to the Company&#146;s automatic shelf Registration Statement on Form <FONT STYLE="white-space:nowrap">S-3</FONT> (File Nos. <FONT STYLE="white-space:nowrap">333-270548,</FONT>
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">333-270548-01</FONT></FONT> and <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">333-270548-02)</FONT></FONT> (the &#147;<B><I>Registration Statement</I></B>&#148;)
filed by the Company, RGA Capital Trust III, a Delaware statutory trust, and RGA Capital Trust IV, a Delaware statutory trust, with the Securities and Exchange Commission (the &#147;<B><I>Commission</I></B>&#148;) under the Securities Act of 1933,
as amended (the &#147;<B><I>Securities Act</I></B>&#148;) on March&nbsp;15, 2023, including a base prospectus dated March 15, 2023, as supplemented by a preliminary prospectus supplement dated June&nbsp;5, 2023, and a final prospectus supplement
dated June&nbsp;5, 2023 (collectively, the &#147;<B><I>Prospectus</I></B>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Notes are to be issued pursuant to the Underwriting Agreement dated
June&nbsp;5, 2023 (the &#147;<B><I>Underwriting Agreement</I></B>&#148;), by and among the Company and J.P. Morgan Securities LLC, BofA Securities, Inc. and U.S. Bancorp Investments, Inc., as the representatives of the several underwriters named
therein, and an Indenture, dated as of August&nbsp;21, 2012 (the &#147;<B><I>Original Indenture</I></B>&#148;), as supplemented by the Eighth Supplemental Indenture, dated as of June&nbsp;8, 2023 (the &#147;<B><I>Supplemental Indenture</I></B>&#148;
and, together with the Original Indenture, as so supplemented, the &#147;<B><I>Indenture</I></B>&#148;), in each case between the Company and The Bank of New York Mellon Trust Company, N.A., as trustee (the &#147;<B><I>Trustee</I></B>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In connection with this opinion, we have examined and relied upon such records, documents, certificates and other instruments as in our judgment are necessary
or appropriate to form the basis for the opinions hereinafter set forth. In our examination of the foregoing, we have assumed the genuineness of all signatures, the legal competence and capacity of natural persons, the authenticity of documents
submitted to us as originals and the conformity with authentic original documents of all documents submitted to us as copies or by facsimile or other means of electronic transmission. As to facts material to the opinion expressed herein, we have
relied upon statements and representations of officers and other representatives of the Company, public officials and others. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In connection herewith, we
have assumed that all of the documents referred to in this opinion letter have been duly authorized by, have been duly executed and delivered by, and (other than with respect to the Company) constitute the valid, binding and enforceable obligations
of, all of the parties to such documents. In addition, in connection herewith, we have assumed that all of the signatories to such documents have been duly authorized, are duly organized, validly existing and in good standing, and have the power and
authority (corporate or other) to execute, deliver and perform such documents. Moreover, in connection herewith, we have assumed that&nbsp;the Trustee is in compliance, generally and with respect to acting as Trustee under the Indenture, with all
applicable legal requirements. In connection herewith, we have also assumed that the execution and delivery by the Company of the Indenture and the Notes and the performance by the </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">bassberry.com </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">
Reinsurance Group of America, Incorporated </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">June&nbsp;8, 2023 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 2 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Company of its obligations thereunder (i)&nbsp;do not
and will not violate, conflict with or constitute a default under any agreement or instrument to which the Company or its properties is subject, (ii)&nbsp;do not and will not contravene any order or decree of any governmental authority to which the
Company or its properties is subject, and (iii)&nbsp;do not and will not require the consent, approval, licensing or authorization of, or filing, record or registration with, any governmental authority under any legal requirement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Our opinion set forth herein is limited to the laws of the State of New York that, in our experience, are applicable to the Notes (the &#147;<B><I>Covered
Law</I></B>&#148;). We do not express any opinion with respect to the law of any jurisdiction other than the Covered Law or as to the effect of any <FONT STYLE="white-space:nowrap">non-covered</FONT> law on the opinion herein stated, or as to the
securities or &#147;blue sky&#148; laws of any jurisdiction. The opinion expressed in this opinion letter is strictly limited to the matters stated in this opinion letter and no other opinions are to be implied. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Based upon and subject to the foregoing and the limitations, qualifications, exceptions and assumptions set forth herein, we are of the opinion that, when
duly authenticated by the Trustee and issued and delivered against payment therefor in accordance with the terms of the Underwriting Agreement and the Indenture, the Notes will constitute valid and legally binding obligations of the Company,
enforceable against the Company in accordance with the terms thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition to the qualifications, limitations and exceptions set forth above, the
opinions set forth herein are further limited by, subject to and based upon the following qualifications, limitations and exceptions: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
Our opinions contained herein are limited by (i)&nbsp;applicable bankruptcy, insolvency, reorganization, receivership, moratorium or similar laws affecting or relating to the rights and remedies of creditors generally including, without limitation,
laws relating to fraudulent transfers or conveyances, preferences and equitable subordination, (ii)&nbsp;general principles of equity, regardless of whether considered in a proceeding in equity or at law (including the possible unavailability of
specific performance or injunctive relief), and the discretion of the court before which any proceeding therefor may be brought, and (iii)&nbsp;an implied covenant of good faith and fair dealing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Our opinions are further limited and qualified by the effect of: (i)&nbsp;standards relating to fiduciary duties or fairness;
(ii)&nbsp;the enforceability of provisions of a contract that purport to require waiver of the obligations of good faith, fair dealing, diligence and reasonableness; (iii)&nbsp;limitations on the availability of a remedy under certain circumstances
where another remedy has been elected; (iv)&nbsp;limitations on the enforceability of provisions releasing, exculpating, or exempting a party from, or requiring indemnification of a party for, liability for its own action or inaction, to the extent
the action or inaction involves negligence, recklessness, willful misconduct or unlawful conduct; (v)&nbsp;the enforceability, where less than all of the contract may be unenforceable, of the balance of the contract to circumstances in which the
unenforceable portion is not an essential part of the agreed exchange; and (vi)&nbsp;judicial discretion regarding the determination of damages and entitlement to attorneys&#146; fees. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) We express no opinion or belief as to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i) the enforceability of any provision in the Indenture or the Notes purporting or attempting to (A)&nbsp;confer exclusive jurisdiction and/or
venue upon certain courts or otherwise waive the defenses of forum non conveniens or improper venue, (B)&nbsp;confer subject matter jurisdiction on a court not having independent grounds therefor, (C)&nbsp;modify or waive the requirements for
effective service of process for any action that may be brought, (D)&nbsp;waive the right of the Company or any other person to a trial by jury, (E)&nbsp;provide that remedies are cumulative or that decisions by a party are conclusive, (F)
</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">
Reinsurance Group of America, Incorporated </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">June&nbsp;8, 2023 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 3 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">modify or waive the rights to notice, legal defenses,
statutes of limitations and statutes of repose (including the tolling of the same) or other benefits that cannot be waived under applicable law, (G)&nbsp;waive the right to any stay or extension law, or (H)&nbsp;provide for or grant a power of
attorney; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii) the enforceability of (A)&nbsp;any rights to indemnification or contribution provided for in the Indenture or the Notes
which are violative of public policy underlying any law, rule or regulation (including any federal or state securities law, rule or regulation) or the legality of such rights, (B)&nbsp;any rights to <FONT STYLE="white-space:nowrap">set-off</FONT> or
net payment obligations, (C)&nbsp;any provisions purporting to provide to any party the right to receive costs and expenses beyond those reasonably incurred by it, or (D)&nbsp;provisions in the Indenture or the Notes whose terms are left open for
later resolution by the parties; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii) the validity, binding effect or enforceability of any provisions relating to attorneys&#146; or
trustees&#146; fees; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv) whether an acceleration of the Notes may affect the collectability of that portion of the stated principal
amount thereof in excess of the public offering price to the extent that such portion was determined to constitute unearned interest thereon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) We do not express any opinion with respect to any legal requirement that is applicable to any party or its affiliates solely because such
law, rule or regulation is part of a regulatory regime applicable to any such party or such affiliates as a result of the specific assets or business operations of such party or such affiliates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) To the extent our opinion set forth below relates to the enforceability of the choice of New York law and choice of New York forum
provisions of the Indenture and the Notes, our opinion is rendered in reliance upon N.Y. Gen. Oblig. Law <FONT STYLE="white-space:nowrap">&#167;&#167;5-1401,</FONT> <FONT STYLE="white-space:nowrap">5-1402</FONT> and N.Y. C.P.L.R. 327(b) and is
subject to the qualification that such enforceability may be limited by public policy considerations of any jurisdiction, other than the courts of the State of New York, in which enforcement of such provisions, or of a judgment upon an agreement
containing such provisions, is sought. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We hereby consent to the filing of this opinion with the Commission as an exhibit to the Registration Statement
through a Current Report on Form <FONT STYLE="white-space:nowrap">8-K.</FONT> We also hereby consent to the reference to our firm under the caption &#147;Legal Matters&#148; in the Registration Statement and the Prospectus. In giving this consent,
we do not thereby admit that we are included in the category of persons whose consent is required under Section&nbsp;7 of the Securities Act or the rules and regulations of the Commission promulgated thereunder. This opinion is expressed as of the
date hereof unless otherwise expressly stated, and we disclaim any undertaking to advise you of any subsequent changes in the facts stated or assumed herein or of any subsequent changes in applicable law. </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/ Bass, Berry&nbsp;&amp; Sims PLC</TD></TR>
</TABLE></DIV>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.2
<SEQUENCE>5
<FILENAME>d515705dex52.htm
<DESCRIPTION>EX-5.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-5.2</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 5.2 </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:75%; vertical-align:top">&reg;</SUP> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Clifford R. Jenks </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Senior Vice President, Corporate and
Securities Counsel and Assistant 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="g515705g0608011537090.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">June&nbsp;8, 2023 </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 Senior Vice President, Corporate and Securities Counsel and Assistant Secretary for Reinsurance Group of America, Incorporated, a
Missouri corporation (the &#147;<B><I>Company</I></B>&#148;). I am furnishing this letter in connection with the issuance by the Company of $400,000,000 aggregate principal amount of the Company&#146;s 6.000% Senior Notes due 2033 (the
&#147;<B><I>Securities</I></B>&#148;) to be issued pursuant to the Indenture, dated as of August&nbsp;21, 2012 (the &#147;<B><I>Original Indenture</I></B>&#148;), as supplemented by the Eighth Supplemental Indenture, dated as of June&nbsp;8, 2023
(the &#147;<B><I>Supplemental Indenture</I></B>&#148; and, together with the Original Indenture, as so supplemented, the &#147;<B><I>Indenture</I></B>&#148;), in each case, between the Company and The Bank of New York Mellon Trust Company, N.A., as
trustee (the &#147;<B><I>Trustee</I></B>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Securities are being issued and sold pursuant to the Company&#146;s automatic shelf
Registration Statement on Form <FONT STYLE="white-space:nowrap">S-3</FONT> (File Nos. <FONT STYLE="white-space:nowrap">333-270548,</FONT> <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">333-270548-01</FONT></FONT> and <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">333-270548-02)</FONT></FONT> (the &#147;<B><I>Registration Statement</I></B>&#148;) filed by the Company, RGA Capital Trust III, a Delaware statutory trust, and RGA Capital Trust IV, a
Delaware statutory trust, with the Securities and Exchange Commission (the &#147;<B><I>Commission</I></B>&#148;) under the Securities Act of 1933, as amended (the &#147;<B><I>Securities Act</I></B>&#148;), on March&nbsp;15, 2023, including a base
prospectus, dated March&nbsp;15, 2023, as supplemented by a preliminary prospectus supplement dated June 5, 2023, and a final prospectus supplement dated June 5, 2023 (collectively, the &#147;<B><I>Prospectus</I></B>&#148;), which the Company filed
with the Commission pursuant to Rule 424(b) under the Securities Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As such counsel, I have reviewed and am familiar with the
Registration Statement and with the form of Prospectus. I have also reviewed the Underwriting Agreement, dated June 5, 2023 (the &#147;<B><I>Underwriting Agreement</I></B>&#148;), by and among the Company and J.P. Morgan Securities LLC, BofA
Securities, Inc. and U.S. Bancorp Investments, Inc., as representatives of the several underwriters named in Schedule I therein (collectively, the &#147;<B><I>Underwriters</I></B>&#148;), relating to the sale by the Company to the Underwriters of
the Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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 Securities 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 </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 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 (other than the due
authorization, execution and delivery of the Indenture and the Securities on behalf of the Company). I have assumed that all of the documents referred to in this opinion constitute the valid, binding and enforceable obligations of all of the parties
to such documents. </P> <P STYLE="margin-top:12pt; 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 Company is validly existing as a corporation in good standing under the laws of the State of Missouri.
</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">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">The Company has all requisite corporate power and authority to execute, deliver and perform its obligations
under the Indenture and to issue the Securities. </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">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">The Securities and the Supplemental Indenture have been duly executed and delivered by the Company, and have
been duly authorized by all requisite corporate action on the part of the Company. </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 &#147;<B><I>Covered Law</I></B>&#148;). I do not
express any opinion with respect to the law of any jurisdiction other than the Covered Law or as to the effect of any <FONT STYLE="white-space:nowrap">non-covered</FONT> law on the opinion herein stated, or as to the securities or &#147;blue
sky&#148; laws of any jurisdiction. The opinion expressed in this opinion letter is strictly limited to the matters stated in this opinion letter and no other opinions are to be implied. </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 an exhibit to the Company&#146;s Current Report on
<FONT STYLE="white-space:nowrap">Form&nbsp;8-K&nbsp;and</FONT> to the use of my name under the caption &#147;Legal Matters&#148; in the Prospectus. 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. This opinion is expressed as of the date hereof unless otherwise expressly stated, and I disclaim any undertaking to advise you
of any subsequent changes in the facts stated or assumed herein or of any subsequent changes in applicable law. </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/ Clifford R. Jenks, Esq.</TD></TR>
</TABLE></DIV>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>6
<FILENAME>rga-20230608.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release master Build:20221108.6 -->
<!-- Creation date: 6/9/2023 12:57:21 AM Eastern Time -->
<!-- Copyright (c) 2023 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/2022"
  xmlns:rga="http://www.rgare.com/20230608"
  xmlns:dei="http://xbrl.sec.gov/dei/2022"
  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:us-gaap="http://fasb.org/us-gaap/2022"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.rgare.com/20230608"
  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/2022/dei-2022.xsd" namespace="http://xbrl.sec.gov/dei/2022" />
    <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="https://xbrl.sec.gov/naics/2022/naics-2022.xsd" namespace="http://xbrl.sec.gov/naics/2022" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
    <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd" namespace="http://fasb.org/us-gaap/2022" />
    <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-types-2022.xsd" namespace="http://fasb.org/us-types/2022" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rga-20230608_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-20230608_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-20230608_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//20230608/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_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" name="M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" name="M7.125FixedRateResetSubordinatedDebenturesDue2052Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>7
<FILENAME>rga-20230608_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 master Build:20221108.6 -->
<!-- Creation date: 6/9/2023 12:57:24 AM Eastern Time -->
<!-- Copyright (c) 2023 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//20230608/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="rga-20230608.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="rga-20230608.xsd#rga_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="rga-20230608.xsd#rga_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="rga-20230608.xsd#rga_CommonStockOutstandingMember" xlink:type="locator" xlink:label="rga_CommonStockOutstandingMember" />
    <link:loc xlink:href="rga-20230608.xsd#rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" xlink:type="locator" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" />
    <link:loc xlink:href="rga-20230608.xsd#rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" xlink:type="locator" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.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_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member" 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_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" 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>8
<FILENAME>rga-20230608_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 master Build:20221108.6 -->
<!-- Creation date: 6/9/2023 12:57:21 AM Eastern Time -->
<!-- Copyright (c) 2023 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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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-20230608.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-20230608.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="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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-20230608.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-20230608.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:loc xlink:href="rga-20230608.xsd#rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" xlink:type="locator" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" xlink:to="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">M 7.125 Fixed Rate Reset Subordinated Debentures Due 2052 [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">M 7.125 Fixed Rate Reset Subordinated Debentures Due 2052 [Member]</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>9
<FILENAME>rga-20230608_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 master Build:20221108.6 -->
<!-- Creation date: 6/9/2023 12:57:22 AM Eastern Time -->
<!-- Copyright (c) 2023 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//20230608/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="rga-20230608.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="rga-20230608.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-20230608.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="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.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-20230608.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-20230608.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="25" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="rga-20230608.xsd#rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" xlink:type="locator" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member" order="26" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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/2022/dei-2022.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>10
<FILENAME>g515705g0608011537090.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g515705g0608011537090.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  9 $D# 2(  A$! Q$!_\0
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H3/E3C8W?\#@_A7T!D>HI:*TI4_9JU[G#F6/CC:BJ<G*[6WO?\#__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>g515705g63f44.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g515705g63f44.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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K5"YP,4 6XHHH(XX88TAAA1(HHHD6..*.-0L<<<: *B*H "@    =* /_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/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;">v3.23.1</span><table class="report" border="0" cellspacing="2" id="idm139901285175040">
<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. 08, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="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="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jun.  08,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="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="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RZB<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member', window );">M 7.125 Fixed Rate Reset Subordinated Debentures Due 2052 [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="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="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">7.125% Fixed-Rate Reset Subordinated Debentures due 2052<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">RZC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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-2<br></p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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="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="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="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="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="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_M7.125FixedRateResetSubordinatedDebenturesDue2052Member</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>13
<FILENAME>d515705d8k_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/2022"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:rga="http://www.rgare.com/20230608"
  xmlns:us-gaap="http://fasb.org/us-gaap/2022"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="rga-20230608.xsd" xlink:type="simple"/>
    <context id="duration_2023-06-08_to_2023-06-08">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
        </entity>
        <period>
            <startDate>2023-06-08</startDate>
            <endDate>2023-06-08</endDate>
        </period>
    </context>
    <context id="duration_2023-06-08_to_2023-06-08_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>2023-06-08</startDate>
            <endDate>2023-06-08</endDate>
        </period>
    </context>
    <context id="duration_2023-06-08_to_2023-06-08_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>2023-06-08</startDate>
            <endDate>2023-06-08</endDate>
        </period>
    </context>
    <context id="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M7.125FixedRateResetSubordinatedDebenturesDue2052Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-06-08</startDate>
            <endDate>2023-06-08</endDate>
        </period>
    </context>
    <dei:EntityRegistrantName
      contextRef="duration_2023-06-08_to_2023-06-08"
      id="Hidden_dei_EntityRegistrantName">REINSURANCE GROUP OF AMERICA INC</dei:EntityRegistrantName>
    <dei:AmendmentFlag contextRef="duration_2023-06-08_to_2023-06-08">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2023-06-08_to_2023-06-08"
      id="Hidden_dei_EntityCentralIndexKey">0000898174</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2023-06-08_to_2023-06-08">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2023-06-08_to_2023-06-08">2023-06-08</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2023-06-08_to_2023-06-08">MO</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2023-06-08_to_2023-06-08">1-11848</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2023-06-08_to_2023-06-08">43-1627032</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2023-06-08_to_2023-06-08">16600 Swingley Ridge Road</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="duration_2023-06-08_to_2023-06-08">Chesterfield</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2023-06-08_to_2023-06-08">MO</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2023-06-08_to_2023-06-08">63017</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2023-06-08_to_2023-06-08">(636)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2023-06-08_to_2023-06-08">736-7000</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="duration_2023-06-08_to_2023-06-08">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2023-06-08_to_2023-06-08">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2023-06-08_to_2023-06-08">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2023-06-08_to_2023-06-08">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember">Common Stock, par value $0.01</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember">RGA</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-CommonStockOutstandingMember">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">RZB</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue2056Member">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">7.125% Fixed-Rate Reset Subordinated Debentures due 2052</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">RZC</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2023-06-08_to_2023-06-08_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue2052Member">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2023-06-08_to_2023-06-08">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>14
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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MVMP WR^DU,\G9AN]_A6D_P]02P,$%     @ '8C(5I^@&_"Q @  X@P   T
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M':5_'<?VD-/IKV,BM'I;Z/EQ:%0*CMQC)8QQ8K3^-8+)#^Q^ %!+ P04
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MOS^QO-9.&G_FB^$_7G\!4$L! A0#%     @ '8C(5@=!36*!    L0   !
M             ( !     &1O8U!R;W!S+V%P<"YX;6Q02P$"% ,4    "  =
MB,A6Q OF!^X    K @  $0              @ &O    9&]C4')O<',O8V]R
M92YX;6Q02P$"% ,4    "  =B,A6F5R<(Q &  "<)P  $P
M@ ', 0  >&PO=&AE;64O=&AE;64Q+GAM;%!+ 0(4 Q0    ( !V(R%9NM,9C
M5P4  !$9   8              " @0T(  !X;"]W;W)K<VAE971S+W-H965T
M,2YX;6Q02P$"% ,4    "  =B,A6GZ ;\+$"  #B#   #0
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:+GAM;%!+!08     "0 ) #X"  #Z%      !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>15
<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>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>3.23.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>4</ContextCount>
  <ElementCount>22</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>3</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d515705d8k.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//20230608/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>
  <Logs>
    <Log type="Warning">[ix-0514-Hidden-Fact-Eligible-For-Transform] WARN: 1 fact(s) appearing in ix:hidden were eligible for transformation: dei:EntityRegistrantName -  d515705d8k.htm 7</Log>
  </Logs>
  <InputFiles>
    <File doctype="8-K" original="d515705d8k.htm">d515705d8k.htm</File>
    <File>d515705dex11.htm</File>
    <File>d515705dex42.htm</File>
    <File>d515705dex51.htm</File>
    <File>d515705dex52.htm</File>
    <File>rga-20230608.xsd</File>
    <File>rga-20230608_def.xml</File>
    <File>rga-20230608_lab.xml</File>
    <File>rga-20230608_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="28">http://xbrl.sec.gov/dei/2022</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>20
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "d515705d8k.htm": {
   "axisCustom": 0,
   "axisStandard": 1,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2022": 28
   },
   "contextCount": 4,
   "dts": {
    "definitionLink": {
     "local": [
      "rga-20230608_def.xml"
     ]
    },
    "inline": {
     "local": [
      "d515705d8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "rga-20230608_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "rga-20230608_pre.xml"
     ]
    },
    "schema": {
     "local": [
      "rga-20230608.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",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-roles-2022.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-types-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-roles-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-types-2022.xsd",
      "https://xbrl.sec.gov/country/2022/country-2022.xsd",
      "https://xbrl.sec.gov/dei/2022/dei-2022.xsd",
      "https://xbrl.sec.gov/naics/2022/naics-2022.xsd"
     ]
    }
   },
   "elementCount": 30,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2022": 3,
    "total": 3
   },
   "keyCustom": 0,
   "keyStandard": 22,
   "memberCustom": 3,
   "memberStandard": 0,
   "nsprefix": "rga",
   "nsuri": "http://www.rgare.com/20230608",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d515705d8k.htm",
      "contextRef": "duration_2023-06-08_to_2023-06-08",
      "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",
     "menuCat": "Cover",
     "order": "1",
     "role": "http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d515705d8k.htm",
      "contextRef": "duration_2023-06-08_to_2023-06-08",
      "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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r1"
     ],
     "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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r1"
     ],
     "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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r1"
     ],
     "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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r1"
     ],
     "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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "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 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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "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 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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r2"
     ],
     "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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r5"
     ],
     "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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/20230608",
     "presentation": [
      "http://www.rgare.com//20230608/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/20230608",
     "presentation": [
      "http://www.rgare.com//20230608/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/20230608",
     "presentation": [
      "http://www.rgare.com//20230608/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/20230608",
     "presentation": [
      "http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "rga_M7.125FixedRateResetSubordinatedDebenturesDue2052Member": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "M 7.125 Fixed Rate Reset Subordinated Debentures Due 2052 [Member]",
        "terseLabel": "M 7.125 Fixed Rate Reset Subordinated Debentures Due 2052 [Member]"
       }
      }
     },
     "localname": "M7.125FixedRateResetSubordinatedDebenturesDue2052Member",
     "nsuri": "http://www.rgare.com/20230608",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/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/2022",
     "presentation": [
      "http://www.rgare.com//20230608/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r5": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425",
   "role": "http://www.xbrl.org/2003/role/presentationRef"
  }
 },
 "version": "2.2"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>21
<FILENAME>0001193125-23-163589-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-23-163589-xbrl.zip
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MG*S35ZM_P)ARX$P]O6<BX#9U#7+UA'-;FGZJ*_03P9S_RG2'\(^!741-QG3
MBCW!Z'?,$7*'->F]#P3R9,19:NFRXY(4,9$,-345'9&IN0!- (1IX3/-N_!X
MGD;3PNC<LWT!ZD]I+A7M:/NA%XA)VW>>I=]0"F+P(6!CX=_CL*C@+KG$F &?
M56Y*LCV=#"*:GVG_!CC\S%T&SS"4M:J?8!4MZ[!^^)="QQU]/#?!-UO-?TW<
MU&M%:[]Z4*E5%Z'G-7CS\(58<UT=_2+>[:[B9O0:KL%8%^0W8#OI<.5.K&1
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M598<$92-(G;:<7 9'LW&AVI9D83Y01C2V&1ZQ$X;E#(P$-K&09@.D$:ASR3
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M[ZX\\_:0LWYZ(X[ZUKWX"SE?C07.UTFYYSL3N#,,1N[I_P-02P,$%     @
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M&(/#6E5?"LT0Y6'7^?-8FZTZT*9WK" _S^)]P.KQ61WD).N)MC<K\S!86JQ
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M-MM^-IK0SDF%TL/A*D1)84$4 87WU^BG2_0N6,XE:Q9.0K2:Q6P\_U"=4YL
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M&"CQ+)H27-F51*(O538Q?^,'.'7>PJ(/<'8#K1'9#GO0G#'B$KLTGV;F8D\
MJU>&5@:.8$XKM;I%V;";&1NT- .>ZFEX@O!+@7]-\%+@1=Q"*'\S."8%D1Y7
M5GD.-B'0 6:8,VB,[KD6V<V1O:>$[D%ZQB53]E?/]:%J' JMMIE^KTE!#H[F
MPMEG4I.&OD?V.+2RR://> %IS]+>QI(+C<YFTO"(LY]NL'-@21BU>M^$"A2H
M*#]K)%Y$KI- Y]AWH5FW90*(_M7B*E$> N)JCJ<D44F<)K_36CB"<J):(FYK
M9U+UV](,V,64*"PL:PAM>7EK?<\ETDBU<1QE6B]/!0)+6TB2!@_L*\>.+G8V
MO+8)V*,DF/'"A5W0&J==,P%*C9R&+S0E/O+DE&CIU:>:%O#D0J6XQ]JWP5^M
M268KPYSJB'3>->.CM^]ZYU22VH\0TJI,QG4*QDB<UZ5A %V[$H+6Y;KEK!I4
MGD\S'42ET>*1CE*%1VQ, *O2#%[_>>KGNSKP'4XG$$Z5;&L([?E%;9)Q4X'0
MF18&\,\ _]G#=V\_71OJ]"#5>H [1XW8=Z9\$NPQE8U?FB\/.8]E"CG1@3DZ
M5Z!<3<JW9.-%=1[QB"J]4\H[#\KK.*Y"%3<EGE;F*:%J.U ?+2ZBNQUP<[;-
M>UO.]NXN[H9[MOWF*_:AH2>>UZHNT; 1DV&LQ:U5DMQ*5PY&Y8(YPBWC?7@>
MGWQNPIY=82IMV^ZLKI@N?*3:)>RN(Q9C3]@^'PP *P5IM33=Z0!NE>W;V^?*
M3;?,J&<B(#B/5TV_#0Z\E:JLYH$50TYD2A0QO*)2YL0!HLN2I000>'HTN.YJ
M9=M2!F51F(J%M R+Z,;DANE1&$O*J160XF8< #464HOC5@J,C(7I)OEC+5T9
M-]\R,T6?4+AGVB/L_&S)Y']HT@;*_@C;3!G!,^2ULV]>L;P)\*CL1?%?ET[6
MO+-B(?/<D.OK.:):8>JOJKD/&?(M@T7EE#T[%BU]J>,LH6!MO[)-T36K/[FO
M0C%,C3Y*Z^0%+6Q&VYG;KRQXMW.PE9?+7*^-<_V(GK:=1T_;O1VY5GLAFHKO
M6D2I78LB_#96G@6NPVCXM6?)=9:N3Y^!,KRVW:80X+GEEDK:5*84\%S'F9!9
M&L.W!7WDG 07OX2NWGOZ''M6M)R)!TU^A=$=-2 YO&IX+L+'$C=B@^7+MK)(
M-MO%A$@JT@MT+_-<^J1+40:O:$)@KP564&5S6>0,[)"[O#I4NO8@*A5B0&C&
M$W0,1R?AR].Y*<O0JXS3F@&QYQF%6@+URMU_+3 ^A*-"MEQTQ3*"EL(,4!.#
M-=WE]O7'-\?T" \SX#=XH/?5'_QX[UMC'=L8\[G"4Z8A&\JW!]\Y:$LE7EVY
MBZU%>I\#2:DOYW.D%B!4%K"RSSOS-ED+=4T4@R^DC(EAMYDG_MI$/+95[D2#
M31BX05/4C,$F*@*7%B\\2GJ#*$(E.ZK0G])<6,-V [+DBFI?<C*A2#^T(-L<
MJ!F#-=/3JFS']LFPG8C(/ "-1 <7,+$.]01CLE)L6U/KF>XJAB0:"%$&;62X
MV<5W3&!5SF=%-6E#<SSIB_;#3UQE[BAHU%G 9ZO[(NGEI ;#E<&ZB;(>#J<^
MM(^GLWTABY3M9WLL3^#8NSV(<5'FSL/V97KDQ%TY1<"V',<0??]21<F%32CR
M FD"\@"(64\)-N#0(& )HSVUO-9R3FP#A-$%D)2,>QNO:\;Z+=PI3[U08APA
MZHU[3A_ATH7K8L34@78!SP'D$H\;\@>_ILWP,J6(Z"E2RJKR=WM?SZDCZKB\
M42;KE"E;8#*MAH+PT2[<CT:UJN=DLLNWB-/I3 .[QFD&K)VH:JQ]F0G>90QA
MQP8Z.8#>#BE\8MHM=.93A"TN&^X.JZI01RF:<9EFV2\E8K;&9:SD2V.P6@75
M!BON.T"JB+ SRG)JM)UDPV::GEBL[-)976DMW_8KYS6(*U:)6@7-"BHIJG31
M=N-6I1$-[?)HC*NSVX/<W657F7T[)H+_#BU15#XO!1JH9#6R,:/=[%S3M,3!
MJI]]##LQ!=KQ#Q:&/T#+8RF!E8>.ISR\WZI/-K1Q0EE;9H&2M*2'D"O)5"P<
MI@F6WP^#\\W@;W'V"?C?4?G/38RSDG?I[^@2/5/=<T+LG2=-^23RJFCFT,I1
MZY6(=XJ;#Q>@-F]@RK15-8PTUJ_C6J-LSC[=S9T F+5A5*"J$.1NR)UQ6*GL
M95G\.3C^@1U-NX^.IOLZ(P/V,[4XHNF<Z.8BIC^MQN^VZ!/.F$.@0,@'$39\
M/0#K9FHC+EXDXS(X>W\8-GSAQI<PE[H#G[CG(GH?'V_T0@7I[5HC49 AC"EA
M^ZD.V66 J)#H>^XZ@FJ&JRO?T10/-M44'UR-&2Y(5Z26+(K0V5Q1-Q3.R$N:
M<Q>*4LON?6S#AM&H*CJCK0,2S,KJFZ6%S30Q/+5#.U!U?ABH.@I$N,W# $(8
MW0A.%452Q&'#]= E_4BPJW7UHV;D-VS6:!AD3*O'68R7D/W,'>CA>'"%$3U4
MIO$=N'9CU[6^L%80V79+0U9+RRJEOEY'"5HJZC+J/:1B8M=)/ J.6!>[48T!
MJ930^M95*DA9;]<W]$8;&&:#*H^W&;QUZ8C(6BIW#"H65CH4.K%J_*V*BW'>
MA2FUL=>(%G40@>U9 Y-#_1/V)-.0;LLY+9[JRE]%^C 3?)).2C/-([FRU0H*
M<^JFF(_?@2$H$:!Y/A'7RFZ@BU,Z8E74L>1=%M2'NA,O7@*CVH<A6-11"@LU
MG*K46*9S=3>UO-,E+N2S*['(PQMY: ];UY,PG]$.HJZ1J@&NMSMV9O@R+,<A
M8?8)_2)G&[%30B5R\4VK*WR7SSX=AR7GHG>M8JB2)]&*MF;9<%))10R[-68Y
MA5Y]!^28W(]C(J25G>U<4+7BEG>APZ^@V51W$S+'\Y -']Q*I9#)1:)2&"Q'
M(Z(#5,B^5->7UN8X"S>SF,%86QP@(3L*S>YDN:%TRL?%,!<G)JDF;</X)D[S
MB3@@5?MCDVF'<JWK&:I7ERF;7W/$&"E%ZZ%&.PLMOP=57TSBHHTC*K0S!S+-
MACX+I;4>A5]NKW-T=JCNI3GAW ,/I=1C\:'9C4 5O$$QY%HM;!OM>F6LE&VK
M"0(5\!-#P*[$.*;5%5$=%M^BA_>PC-:#GM7&U!,]\(<49/*A5A6"-G<&=MO9
M?BID  G3A\BNZVO85'?0X]BXXX[!K%P+_!V7  ORN?H- 1<3SMUU"L#]!Z\K
MW4F#WY.(8+,N&RJ+#WVMED:MO9-Y,6U[Z@_LMME[=-O<U\&[6L?6-R5:8R9R
M8G4I&%)HA34B*3VVW.9)J0/GG"#T!;KX#)%AJKCI-!(B2N'ZD*9=<B ,OEZ6
MZ)(^+4M"QR1:7=&)&JI7,RDPK9+E;NVWVH2)Y,!&E<O_9ZUM;C?Q=E9+I"7E
M- Z0C8CDS DM%MN6FBX-"DM#<3O0)X2E>9GRNBDGR%P;9=?4%/&73VT+4%%6
MJ*-Z.!COR8.42K_USLO$ JJMQ%9S>J_^40^O7 AE+]-)I1AC#?U80<"FO'^$
M:&WA!*+BJ/5^+(0TN?ND8\UL?VQ+Y=E)GW<](-^!\^/: \)OY.S>W2_"23)U
M01J3 T[MQ'FY0M-V+36>- L*\T%5]/7@E!0V X?EY=!K >]R9!UPX]:[W1$W
MMC>[DP)F,U:._-]F<(89+@D5<GTQ>HO\C"E)%Z $?K$=)CDE\\.1LAY%/Z31
M@!4Z3D[BH#HC]4M'7CIJVHV>C'6W<DY[YY^1(0R]6F+N_VY]H<&H%:.3S!#.
M&.1L4IFQE<^-20+PGJLZ0@=#+$7K-C43AM=49L"-'Z2']B"_RJB9%MI4<,B)
MJ\C[\N(JRJ1Y?"AS57V#*4\N,7F'J)"*=5I2I8/#.K$*:>W93J/H:5[Q2F>&
MT)TH^-BIM+1ZXWG"HLGP/9+C4'>=CA)JRM39ZE+!]P_G];XS *:JQ$U<]NP%
MLAF( 0[FRGRX-4[+^):.1M/QY6#)=#J\NC3Q5L5]!F8S&JZS:\W;^C!RO\(6
M;M#BU"2?TNP,+BOG16+S WP?[E3$:XW0N]G4+7L)6P1!>SKC9G"BZW\XUL+/
M3^UL#'BKU#TYGAB[M41.K:8J&-CD&C:4Q#+\P2H((C(FY XS=WS[#E//*(?N
M/$[&&E& #K6?,/>:DS"?O5+IPD=2G<S9=(*?W%'OY-2"*Z0FSJ)&=P6V("<=
M)&8 '4ET$_>(+.\\DG!T3N]PJ]YB_$JF_P1=<NJ-+"; 1K#:Y71F +]0S\L+
M[P&H%=:P!JCL1?T$/<;4VR)*4FRH/B.OC_&NY"3:;>MDM<B)8F'[95.3/Z:'
M4^D4Z+[2+[@"%%AWA&B,+:T:V^J7"D4-S56F.-<P'E.B-)XS1&&>%[&=>T%>
M5QOY:&.2#S[%E81V58175\%;^8 MH!A!%R;&NI@DC2PMUBF4.VK<C7TD97(3
MNS-K.Z'_P#Z,IX\^C"5QU.?$43%D/LXTO(I79 $DY'USB#5_@CCW7;<_(WN7
MY\:N 6SD 0>K&%/YC9]$;>KZ_4:0*F3!JG%><!TDQFU%T8A&F%*(*I%5_@-<
M$MG:[76N^K^7S1:35O'7.(Y4:QK!_22KQE08.U7'JI^E!GL"G@'Z M53@(F?
MC"G#8@S$3;X+&!UQ>7*(4+MBJIKG3IFA4R8[U863(V8WK+A06R:5+4X:#3NJ
M8#!A<W@J/*!;9.8:?@C^6Y-"AXB_3KTTH;=BFS!8-OG1<@O!=/-15&AM?['9
M$D*!%1O0B24LBM8ID@ ,LE;MGS ZVZ=VP=Q\ERIX* BJ(SQD06$/U"LJ'75_
M9#FFU5K47A?%8^^"GYL9?Y^%33<#:RYHP -29SA,F643P,6=((1X@E>=7_D?
M6L!976^WF\FH.D:<0J4(H8F_%"  T[HZ#/82L,/0ZTQF-!\7AQASN%CQGKWQ
MI,E)@J^SX>I+RM2IM"N <"#<;?< %NABT]T$(UDV;O(,U.@&^+(%_@AW&BV(
M2_EK<BX+5T=] -2XJ81N6)<(-<X3@V3IXVHC,,W7.JP$#;8A0'W393=3<TSE
MD*HS&NH#RKR&GMB *@WQ"\%:XK\;).L8E/A,W0],,E^B,@[<O EZQJS!L5=6
MCX^HI+3(!!NLN.R!GM1D [-81&&HJ(VR* E"[3WC"R5DILH[%20*:N$X2-H,
M51!JAQ7LPDX<JH>8CNM2JZ\HTT)@?IGZ&DY&T\F^R.NK=N 'H"#$S$ZY@V1=
MS@MT+YU++0BGPM-?7;%]P9=HX\O)J6S;AHP-<5H,C;5'!TB3B@&:L/N"FPI4
M5.D?WG,J9=2.W2R\)%0*03J5E(^*=04L )RC33F!7Z5(82S&4IKLK[4"A?H1
M9JR5,P3C;*7*7O%%]"GBY@V-19>FC$V.%3];PV-:I*%15"RSN*E08BN\/%.F
ML%7PE<\]K<UFY,WC&MSYM#;[R7<>5Q,7\ )('4NRO-/3"$"T':$'M3<&&+)1
MP$J2M:A[7V)IO"]\A?>XD'_4CZ_Q99\<T@;5A]W#V#IWH)1/*6\4:,%V<4^+
MSB5#+-]:E%]DGZR:,$* F!3X1GW4B1_?>0HAM_N<=CW+]CPVIZC&QP>(XX5*
M-"*R13[GZ1KF .5F?$,!2CJP;1275*9/@Q!E<S$-!9+3ZBY+L1D<9ZR(:%U!
M"M^T<[9/Y].QZ597VA0X"F]+)U4&U&V;_LP5[;A'CP4]^E7*AYW*_C%_V=9Q
MLV'8IE(ERG%U2VTX1&Q8,) 5H?#\L%ZG9X]>IZ5A6+?1']A^:52DJD\PZG=X
M+,D&1*ZJY*4PQD;:5_/,3EHX](U*C8UPS2DG6AY(_*'+<J*JG[*F?#I@1F3E
ME+$Y5 )VQM&F&9ED[<]?U/)))$!+-I9"TO>9BN2>!K!=UQT+H[(@6K;!_\G<
M1(<;02*H5$C/$)0PR755FGJA\"'$M)3%*OW^NOBN)]KN]%](P$@:O'>8C$AU
M$C;N5A\3 5!/:OL%[1,,.V:'@6)YJ^5^IS WM;VA]A-,BR4W&(CU?C-QQ(7T
MBO=GS97N1H#83%6I6D)/RO6H"J,M]/\N*6\&OAE\9)!25D2,#J%5U9;][J1)
M4=-75VC2(GBYVXDY"5T#)^\$@6'"2O2G76NN Q]SI))KWW</V2!=^-C*\YP=
M)DTD)<DK21P*6+/YJHX(3(,Q"-*3TTVCXVPQR6&64S[%U >?S#I>R:0GZ1H>
M[76$N#5"&)^2#,0X=9X8<"-T0M#!&]:22O62[4*_OLO&J2B\C5(^S@M1J3#H
MW)CSFF<QX$5I/B" "+TJ9'99^#)VGQ>$$/906;TD '9BDWX&X['2[J)9:7?/
M0U-+HT1*&PL3W'T"L6P^&JU89&_J:D7:D1J[;F\P<XE=PEE #)$0:Y(A>1)E
M4AUG5LQK![J3L0=(QAJKQ5$^12%5;*VP>QYTS [=/%$-?+V@1""B&YJA>J"?
MV]$BYBJ;W'0!1_-E7'0B-0&,T :BMCU/,J&N8PT4!F-4:$6:[/XF#);9'L>H
M9G=EQRL9 JB3!AJRRH7TG U?UZ+MJ'HL2NBJJM2$-3#4(/Y=!S#$J@SRIBPR
MO-6H2DI.%JC)CZ3"W9&EBAAG@G]5R1:3R:[IY-6(Y*RQJ^D2:U(&C:OD\(-1
M*">1IK4Q\!U"@] AI@P]8A9\%BM!A+M59SHAA+*:TCC2U->R"&R78O#.<3G3
M$K//64'@J@666GGU[F'.(,#!VF=W--@.S[B<67:3' 26JIW/HX#R+<)@4*<3
MVR>O4T%0XK,*GKL-B;I,92#:J2)@K?40?#$%7/!Y1GFS(W4M22>-QW\'SI^A
M[L&N1R<9E+,:22A5A'I).)HJ75O6Z ]-)%'5=:U&61NW5J(%-!?FJT9BP0[T
M):';.XZD!"TG;FHSL$HU-ZTPQY $<B>W&JCT :VF"_8SM2$C?79*2X-(Y!WJ
ME]<O>YGA8,6+*9F&%:NH%)X/7Q5)Q .'Z:=RH_AMB35E\2@AEZF *?B@6!)7
MS-"5F0VUO>4H)2V]S]1]$E,5A7Y&GU\=T)\1YK)8SOS-IKK'36I*;&F ,;*N
MW"=_I?*#"C#$]:(6"PWU4G+<)AH'$#?<;04KN:@=G#-*Q$^EL=%UUP$)"37/
MR$!5<'"UPP+T^L-ZK)X_>JR6YK%RF18KZ5U<:X;->"?.0AV+4(FDNYH\!GWC
M45KF+@OB]$DO9S,7,V<>W_&YB,-V.@Q0&U_0A+65]X:9-">^?!F;;N-'E,MP
MBQCTA'4Z-?@L\0T&?O'\5[@=C&2;#%7!V*8 ."R77]NKU(*-V]>.'@HNNON/
M7U=Y!:I01O"^I.:5ECM2,_DU/G;PX&'-J(#*DE[WQV^R9/MQI,M7^#5. '&8
ME%2_*[G]&M&NN2)N >QED^2LB7-NLE_OCG8)'!H45Q*-Y=(^5=G-T4W*E+AC
M>I4*Y<_,J=#9.LTL'9)M;(A90(:8-93,)XFVV@*'(C08#%OYG$QH5H\[=H0V
M'D(TH%:XWH#H91,DG9I,HBI7D!P4T,:::"JR(!.G+=7$ R5N(V7&3U<!'8;0
M%B_./^I2XO#J<)&5;"6#>KBA2>E(WJ%R>L2%3R.O/Z+[&RM\(DPHM74*KDLP
M1WP,M)(/246RKF)>HRTAZG8ME>D:(5:/VN4(CAZK5>:6T?/J=7/]UK"OIZCB
M0+Y*3R4VWM2_9XV;5[V%+6DS<89CU'(B?9E7=)$,,>,7HC6ADA:\&2M\%):)
M]-8K35%%8Z(8<W8R)O2<[10A2Y)SPB#M)[H1/P\LE!3YOF_G)3#_!$&-.&25
M]8./MJQ<+7 WQSE,EV[+OU#W0=,-Z#@0CV_\A","6<"BVS3(H=)"(1I+Q[=G
M3FT%M.U-#A-[#;!KA5-W86>P?47>&NZ<RM"YJI.4G?RC(JH1R3VC%$87@BA8
M:TW8\2KUMK<1UD)VAKJ%M8:K'5ZDX_U6QM"M]$,P8Q,T^>X!^NC;[14](P[\
M6SW_.@^B1X)80LHY5^2+MG0#IH6DL#$$'-EM#VH>-*Z3S?7M2[?VJ=#@+=?V
M2!D!6B7TH3]ME!QX7UAK;0H.'C*'+B(7D)]0R42I*I@P<]/!OZ8@8A=*N\Y%
M(<<W2N&A ^INQ;:\/L8MZ(.B;@+MH'Y7Q*P^<*Z8=IC[]Y%KD-F_=N29/\6G
MH,?C$YAH/%P]Z:-JH=N N\+"P.:66,%5\'K8C,^JL(H;IG&(@9%<3)68MPGM
M:S+,!33(70(]F[S1.%!< [;BU\IS(EUF#WPF(<U$9@@\[.YSE#42T<+ ">B$
MG;,S;8@U_AK,V3U=0%U2PA*I3#<JNR>T\RHM?H1O&  K0PV IJ^*]-J:U(U<
M/5HIF4CP&%OFO1DNMCDNTI";$=68^->\J..D-.D"0Q,LJ544!@OGJPG:"72U
MC1U '36]/: 8M45%E/*OPZ,CAI"9,CH'H[UARBF':FYABBA%I$2?F0!IBOVI
M3N\SQ09M12@_K)MK_]'-M30WE],[#TFDO0>R4U.C8.XL(\VD#E-9C<E1;F(X
MFB(6KUVI7<Q3NF\L#8LS!#Q[\ IPB<UR@R-O1V1;40)F'B16#@EU@E$LO)I!
MAJ:HRS:<!6$;MA$FFBIA&PA\8E=*RSYK?&GR"7L(V/B9[&+D)UU'N#?)5<+
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MY'^"?270)0\<EU434 KBBBQ]=2)^5**$@9V^_1.^_/WRP_LW_Q]02P,$%
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MWJ#QRFC\XF[1F'$TS$) WG"(^D 4Y@?>AS0#]?\H3-))Q*IMCA^G:1X50?9
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MJ:WPOPV7_-G)[EZ0]XY+@U6KNI.T0*D^!24@&L2A5+(-03&('XI8?[Y!V,>
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M:"R0?21P!L[QP<=IEEZ">*?@!OX4J52'<99.O +>2S?A?P=S!Q< <1#51^%
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MVB=>L8PUBC01&#&E\D+QNC !>AJ& <;=4T"S<Y6,-[99T#;J7(B-L*0I:(9
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M9? :>N]L"MMB4WREYTC. 3HWHB0PP3?2>4*^DP"69MO:8+(V!-81*#EQ,7]
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M^XGJ1K5-09<S>T#W)57.BD8CD?>N%&"78I?494EL-U6O5G-?%K#/- X**X,
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MG$I]5L5UBILSQ;+2*BFJ8DC%H:</"&3/, ;1<\F\;1 ENH\/A7Q%IP7(#)!
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M!FQC.-+M8F2X+A("%=S(.=NS-3F)F*ZFTK&<=1092ZE"<O4#_' $+.;C<HM
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M2D,V2#&M")ZX9UHTE;+4Z4B-:P=SC@(9GG<2%MZ?Z*J\7>^N[Q7ES!X="%L
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MYEB0([?90.HM9"HR^BWG:\#U<-MF[6*8Y.+9O$JSKV!D,M<F(P= I;VWD@$
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M2OYG1O5A.@P)S(4G2D8CVS[5EGB8!'$Q!TK4=Z!GE+/Z*1L@%R7:PHX!#2(
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M_/9C>/!CX =K+GU82HFEZ@?O-K4(UP86%[4(NYE3##/WVFUNR- #DNWV.Q]
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MNXY?[GBG4]'>N\I0[H*--*%OUR*#MH+M9N,LPP,%N!G.J,N[@-Z0 M@GA4*
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MXZPY1&.).,F69E]LPA.OR1ED%/OZLM/;\<XQKIZ0P9^[[5VF*4V)' 6P;K6
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M[2Z?HO3VM_>G1W_!EY_ZQY_?_?]02P,$%     @ '8C(5K>$URBC$P  6D,
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M=Z?YJ_F"Y)6YH Z@?>0==R==V12M0AX'#5 NT89&0;!%ZTHS"RYH^/I,AQ:
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MCE*RW2I8,->5NM+_\52/&:^T[^HUA!YI0F00CH5@,CUUR#@-QDB(PVFYZ.+
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MXFJLW:JWO)XXW=*I"6@)G:*BN4K=3B:^7!K>=O_HTCLY775'6:C+FXM?36A
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M5<X[!04K[5\C-C]K'<"D]G/&O(0WT9:NSV<S$7ED5",?6' O-PO_N%ULCUG
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MP&[BDJR$8U?XCPQ%T].::R-^_@M02P,$%     @ '8C(5AQ(8W(%!@  Z34
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M-_E8%'><RRWU0N9L%T]?2RSW_ ]02P,$%     @ '8C(5J RX<+"!0  LCD
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M*6/OH^ERG57!*0QABLS[U^$@UZ>880%9/67LZR?ULT#A)6<\607&(.CS*$V
M*?O>9?$E4T2M!FS*19+)\%"6T?9<P+3C:9^^=69B^7&H_=Q7\:-6"WU-2)(L
M*'@HV-*R$+INF,I:7^L#.0-8*F QQ-:-B?^_4/MQC7-3LSS*J;=7;<9*0E2;
M\8<@!F)Z#,T'DYLPRXO^<M_C>J#H3J02.%)Y_=04"1?V(,43H!VOP"@X&M >
M#GW@_IB^,9Z8M#\=2DE'^?"V"79%E.L&B\AVH3_NX<N7_Z9%L-!,F?*CN1[H
MK/54\*0P59O>>.G@N8A!=+RPX:&%(%SH1OJ;AU*I8^,+TQ)3<PZF( 3$U^O4
M'(PZ"UD/J1*REM\=GKXH8* @D=\#X):S5X-8K5I+@-T29>&&KP,W-U1,L9QD
MGO0$88;Q8CU> %72'OEWX-@<N!]I F!T]BB6\G8Z4CSZUEV24O!+.'$'>@DQ
M&]BO="&_F/6VH#Y/,&%5(!=9OQK=\N7+CRNPUV_S#0W./9XDG&5AWJ8JF^/K
M>?\-)!,09<?DXSY>G=N14N1E!%AL']X0MIM6[;1U1980C_D5Y3J=;#;4Y3E*
M)SI<O:)1$/=AHC.3ZH3W4PCKK9-J5%_4A0/07Z3/UD3K+=7$::T1KA49'6;)
MJHZ)"2O6PW/=NU +S]5FZ^#D#=RFGUZ]K2<F0Y@1L\!@Z@M.2JV<#MN^V2G7
M_L*"']-A.9[5ZO6W,.5ZFF57*X^-^BN*9V4A[ABY1V]'@,5V[@RVM=2>5B P
M'; 8EK_!JMHUN&?L'L8#0C8XFW5G<%KU8YW>LA3S-N[!R\=OF36=8W8'.E:M
M.^[K6WQ5>#O&[E+<$6)Q?G &IY4<<;'@(A.=K=1[/-7#RZK'XXISG"=<N8>Z
ME"P+ON48^"M"X4M:=B%3;.<JTFT-EM^)8_S&>#F(M7PR)>L?&9\#\Z 35\D>
M%&0QGSJ&N1O'.OER\V;4-ZHA+G3@*MY",1:M.VO0G)B>_G@KQORQU$[_47/'
ML6Y+L5!=6Z%NI&3SA%MQ)_@#,4^2/(?LG@_'\>[IV3#^X,ZR-:?GCDN%Z5]D
M47VJ7.S!<;X[:BS=AC-TS?C3%8"K\,S;N$<P'[]E%CK#S#QB1^_FG%5<S.S;
MN<=N7X/EY\ZFTA\Z/@7,_)*<LLV<O=1S+4>,W2-Y0(C%Z<ZFTHA3$A'SD_"-
MOMD+8D(KQ[+(TCV012HL17=VB.X$F%($/4O+-JS-X[;B=CHM/[P>\^ >U6-J
M+%UW]H]VU RD3$&\G'&!'^=)%VBRO-W92!I!E)H0&^%D3%2Y9[Z+[=SCN:_!
M\G-GMV@LL'FL;K1*)KST[73'R#UR.P(L-G?V@VSI72ZC.68SJ/+04+&M>Q"+
M=6Q8MES;][E,0,QT37X6_%'-]7UB@5G%9U .N'"/[%$Y%O#_L/5S$>RE3,?\
MS?ROX?J,>3'_.:>/_ U02P$"% ,4    "  =B,A6@OJ(9H(:  !&J0  #@
M            @ $     9#4Q-3<P-60X:RYH=&U02P$"% ,4    "  =B,A6
MS7SI)\QB  "H$@( $               @ &N&@  9#4Q-3<P-61E>#$Q+FAT
M;5!+ 0(4 Q0    ( !V(R%89.G&B?UX  #N& @ 0              "  :A]
M  !D-3$U-S U9&5X-#(N:'1M4$L! A0#%     @ '8C(5K>$URBC$P  6D,
M !               ( !5=P  &0U,34W,#5D97@U,2YH=&U02P$"% ,4
M"  =B,A6U]Y>@4,,  ";*P  $               @ $F\   9#4Q-3<P-61E
M>#4R+FAT;5!+ 0(4 Q0    ( !V(R%::8?8+300  #D2   0
M  "  9?\  !R9V$M,C R,S V,#@N>'-D4$L! A0#%     @ '8C(5AQ(8W(%
M!@  Z34  !0              ( !$@$! ')G82TR,#(S,#8P.%]D968N>&UL
M4$L! A0#%     @ '8C(5E5/ D(N"   UUH  !0              ( !20<!
M ')G82TR,#(S,#8P.%]L86(N>&UL4$L! A0#%     @ '8C(5J RX<+"!0
MLCD  !0              ( !J0\! ')G82TR,#(S,#8P.%]P<F4N>&UL4$L%
3!@     )  D . (  )T5 0    $!

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