<SEC-DOCUMENT>0001193125-24-193427.txt : 20240805
<SEC-HEADER>0001193125-24-193427.hdr.sgml : 20240805
<ACCEPTANCE-DATETIME>20240805090255
ACCESSION NUMBER:		0001193125-24-193427
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		19
CONFORMED PERIOD OF REPORT:	20240805
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20240805
DATE AS OF CHANGE:		20240805

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			REINSURANCE GROUP OF AMERICA INC
		CENTRAL INDEX KEY:			0000898174
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		ORGANIZATION NAME:           	02 Finance
		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:		241173268

	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>d859356d8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version='1.0' encoding='ASCII'?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2023" xmlns:us-types="http://fasb.org/us-types/2023" 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/20240805" 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/2023" 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_2024-08-05_to_2024-08-05">REINSURANCE GROUP OF AMERICA INC</ix:nonNumeric> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-277">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2024-08-05_to_2024-08-05">0000898174</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xlink:type="simple" xlink:href="rga-20240805.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase"/> </ix:references> <ix:resources> <xbrli:context id="duration_2024-08-05_to_2024-08-05"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2024-08-05</xbrli:startDate> <xbrli:endDate>2024-08-05</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2024-08-05</xbrli:startDate> <xbrli:endDate>2024-08-05</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2024-08-05</xbrli:startDate> <xbrli:endDate>2024-08-05</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue20521Member"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0000898174</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M7.125FixedRateResetSubordinatedDebenturesDue20521Member</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2024-08-05</xbrli:startDate> <xbrli:endDate>2024-08-05</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:12pt;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:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman;font-weight:bold;text-align:center">FORM <span style="white-space:nowrap"><ix:nonNumeric name="dei:DocumentType" contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-312">8-K</ix:nonNumeric></span></p> <p style="font-size:12pt;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:12pt; 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:12pt; 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_2024-08-05_to_2024-08-05" format="ixt:datemonthdayyearen" id="ixv-313">August 5, 2024</ix:nonNumeric></p> <p style="font-size:12pt;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:12pt; 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:12pt;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: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:8pt;width:100%;border:0;margin:0 auto">
<tr>
<td style="width:34%"/>
<td style="vertical-align:bottom"/>
<td style="width:32%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:32%"/></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_2024-08-05_to_2024-08-05" format="ixt-sec:stateprovnameen" id="ixv-314">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"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-315">1-11848</ix:nonNumeric></span></span></td>
<td style="vertical-align:bottom">&#160;</td>
<td style=" text-align: center;margin:auto; vertical-align:top"><span style="font-weight:bold"><span style="white-space:nowrap"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-316">43-1627032</ix:nonNumeric></span></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:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-317">16600 Swingley Ridge Road</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-318">Chesterfield</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2024-08-05_to_2024-08-05" format="ixt-sec:stateprovnameen" id="ixv-319">Missouri</ix:nonNumeric> <ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-320">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:12pt; 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_2024-08-05_to_2024-08-05" id="ixv-321">(636)</ix:nonNumeric> <span style="white-space:nowrap"><ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-322">736-7000</ix:nonNumeric></span></p> <p style="font-size:12pt;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:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Check the appropriate box below if the Form <span style="white-space:nowrap">8-K</span> filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</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_2024-08-05_to_2024-08-05" format="ixt-sec:boolballotbox" id="ixv-323">&#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_2024-08-05_to_2024-08-05" format="ixt-sec:boolballotbox" id="ixv-324">&#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 <span style="white-space:nowrap">14a-12</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14a-12)</span></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_2024-08-05_to_2024-08-05" format="ixt-sec:boolballotbox" id="ixv-325">&#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"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">14d-2(b)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.14d-2(b))</span></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_2024-08-05_to_2024-08-05" format="ixt-sec:boolballotbox" id="ixv-326">&#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"><span style="white-space:nowrap">Pre-commencement</span> communications pursuant to Rule <span style="white-space:nowrap">13e-4(c)</span> under the Exchange Act (17 CFR <span style="white-space:nowrap">240.13e-4(c))</span></p></td></tr></table> <p style="margin-top:12pt; 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: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 style="width:34%"/>
<td style="vertical-align:bottom"/>
<td style="width:32%"/>
<td style="vertical-align:bottom;width:1%"/>
<td style="width:32%"/></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_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" id="ixv-327">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_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" id="ixv-328">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_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" format="ixt-sec:exchnameen" id="ixv-329">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_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" id="ixv-330">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_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" id="ixv-331">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_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" format="ixt-sec:exchnameen" id="ixv-332">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_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue20521Member" id="ixv-333">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_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue20521Member" id="ixv-334">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_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue20521Member" format="ixt-sec:exchnameen" id="ixv-335">New York Stock Exchange</ix:nonNumeric></td></tr></table> <p style="margin-top:12pt; margin-bottom:0pt; 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:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2024-08-05_to_2024-08-05" format="ixt-sec:boolballotbox" id="ixv-336">&#9744;</ix:nonNumeric> Emerging growth company</p> <p style="margin-top:12pt; margin-bottom:0pt; 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&#160;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%;clear:both"/>

<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">Item&#8201;5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. </p> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As previously announced, Reinsurance Group of America, Incorporated (the &#8220;Company&#8221;) appointed Axel Andr&#233; as Executive Vice President, Chief Financial Officer effective August&#160;5, 2024. Todd Larson resigned as Senior Executive Vice President and Chief Financial Officer on such date and will remain employed by the Company until December&#160;31, 2024, serving as Special Advisor to Tony Cheng, the Company&#8217;s President and Chief Executive Officer. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Mr.&#160;Andr&#233;, 48, has served as the Company&#8217;s Executive Vice President, Finance since June&#160;24, 2024. He served as Executive Vice President and Chief Financial Officer of American Equity Investment Life Holding Company from September 2021 until May 2024 and was Executive Vice President and Chief Financial Officer of Jackson Financial Inc. from February 2020 until February 2021. Mr.&#160;Andr&#233; served in various roles at AIG Life&#160;&amp; Retirement (now Corebridge Financial) from 2013 until 2020 and was previously Managing Director, Global Insurance Strategies at Goldman, Sachs&#160;&amp; Co. He received a M.Sci from Imperial College (University of London) and a PhD in Physics from Harvard University. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Pursuant to an offer letter between the Company and Mr.&#160;Andr&#233; (the &#8220;Offer Letter&#8221;) he will receive an annual salary of $750,000. He will participate in the Company&#8217;s Annual Bonus Plan (&#8220;ABP&#8221;) and his target bonus will be 150% of his annual salary. The potential amount of the ABP payout in 2024 will be prorated based on his start date. All potential payouts under ABP awards will range from zero to a maximum of two times the target bonus. The terms and conditions of the Company&#8217;s current ABP were previously reported under &#8220;Compensation Discussion and Analysis&#8221; in the Company&#8217;s proxy statement on Schedule 14A filed with the Securities and Exchange Commission on April&#160;11, 2024 (the &#8220;Compensation Disclosures&#8221;). </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Offer Letter also provides that Mr.&#160;Andr&#233; will participate in the Company&#8217;s long-term incentive program and his target award grant will be 400% of base salary. Due to the timing of his start date, Mr.&#160;Andr&#233; was granted a <span style="white-space:nowrap">one-time</span> award of: restricted stock units valued at $750,000 and stock appreciation rights valued at $750,000, with each award vesting in part over time until December&#160;31, 2026. He also received a <span style="white-space:nowrap">one-time</span> restricted stock unit award valued at $1,000,000, with such award vesting in full on July&#160;24, 2027. The terms and conditions of prior Company long-term incentive awards were previously reported in the Compensation Disclosures. The Company&#8217;s future proxy statements will provide descriptions of any changes to the Company&#8217;s long-term incentive awards. </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The foregoing description of Mr.&#160;Andr&#233;&#8217;s compensation does not purport to be complete and is qualified in its entirety by reference to (i)&#160;the Offer Letter, which is filed as Exhibit 10.1 to this Current Report on Form <span style="white-space:nowrap">8-K</span> (this &#8220;Current Report&#8221;), (ii) the Stock Appreciation Rights Award Agreement, which is filed as Exhibit 10.2 to this Current Report, (iii)&#160;the Restricted Stock Unit Agreement, which is filed as Exhibit 10.3 to this Current Report and (iv)&#160;the Restricted Stock Unit Agreement, which is filed as Exhibit 10.4 to this Current Report, each of which is incorporated by reference herein. </p> <p style="font-size:18pt; margin-top:0pt; margin-bottom:0pt">&#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%;clear:both"/>

<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">Item&#8201;9.01&#8195;Financial Statements and Exhibits. </p> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d)&#8195;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 style="vertical-align:bottom;width:3%"/>
<td style="width:94%"/></tr>


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.1</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d859356dex101.htm">Offer Letter, dated April&#160;25, 2024, between the Company and Axel Andr&#233;. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.2</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d859356dex102.htm">Stock Appreciation Rights Award Agreement, dated July&#160;24, 2024 between the Company and Axel Andr&#233;. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.3</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d859356dex103.htm">Restricted Stock Unit Agreement, dated July&#160;24, 2024 between the Company and Axel Andr&#233;. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">10.4</td>
<td style="vertical-align:bottom">&#160;&#160;</td>
<td style="vertical-align:top"><a href="d859356dex104.htm">Restricted Stock Unit Agreement, dated July&#160;24, 2024, between the Company and Axel Andr&#233;. </a></td></tr>
<tr style="font-size:1pt">
<td style="height:6pt"/>
<td style="height:6pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:top;white-space:nowrap">104</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="font-size:18pt; margin-top:0pt; margin-bottom:0pt">&#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%;clear:both"/>

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

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

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


<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom" colspan="3"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">REINSURANCE GROUP OF AMERICA,</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">INCORPORATED</p></td></tr>
<tr style="font-size:1pt">
<td style="height:12pt"/>
<td style="height:12pt" colspan="2"/>
<td style="height:12pt" colspan="2"/>
<td style="height:12pt" colspan="2"/></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom">Date: August&#160;5, 2024</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:top">By:</td>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Axel Andr&#233;</p></td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">Axel Andr&#233;</td></tr>
<tr style="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom"/>
<td style="vertical-align:bottom">&#160;</td>
<td style="vertical-align:bottom">Executive Vice President, Chief Financial Officer</td></tr>
</table>
</div></div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>d859356dex101.htm
<DESCRIPTION>EX-10.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">

<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 10.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">CERTAIN CONFIDENTIAL INFORMATION CONTAINED IN THIS DOCUMENT, MARKED BY &#147;[***]&#148;, HAS BEEN OMITTED BECAUSE IT IS BOTH (I)&nbsp;NOT MATERIAL AND
(II)&nbsp;IS THE TYPE THAT THE REGISTRANT TREATS AS PRIVATE OR CONFIDENTIAL. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g859356g0803094757632.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">April 25, 2024 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Axel
Andr&eacute; </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">[***] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Dear Axel: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We are impressed by your talent and confident you can grow your career at RGA. Our team celebrates your curiosity, prioritizes your wellbeing, and seeks to
empower you to succeed. We hope you are energized by this chance to collaborate with the brightest minds in our industry to make financial protection accessible to all. We look forward to welcoming you to our global team. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This letter confirms the terms of our offer. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>POSITION
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We are pleased to formally offer you the following position: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Title:</B> EVP, Chief Financial Officer <B> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Manager:</B> Tony Cheng </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Location:</B> Virtual, based in [***] with weekly travel to the home office <B> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Employing Entity:</B> RGA Enterprise Services Company </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>Target Start Date:</B> June&nbsp;24, 2024 </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>BASE COMPENSATION </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">You will be paid an annualized base
salary of $750,000 earned and payable <FONT STYLE="white-space:nowrap">bi-weekly</FONT> pursuant to our normal payroll practices. Compensation for eligible employees is generally reviewed annually for those employees hired by September 30<SUP
STYLE="font-size:75%; vertical-align:top">th</SUP> of the previous year. RGA&#146;s Human Capital Committee of the Board normally reviews executive compensation in December of each year which adjustments made effective in January of the following
year. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>ANNUAL BONUS PLAN </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">You will be eligible to
participate in our annual bonus plan with a target bonus of 150% of your base salary as of December&nbsp;31, prorated based on your start date. Bonuses have an award range of zero to a maximum of two times your bonus target, dependent on company,
business unit, and individual performance, and are subject to the approval of executive leadership and the Board of Directors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If paid, bonuses are
usually deposited in March for the previous plan year&#146;s performance. You must be employed on or before September 30th to be eligible to participate in that year&#146;s bonus plan. You also must be employed on the date of the payout and not
under notice of resignation to be eligible to receive a payment, as allowed by state and federal law. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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"><B>LONG TERM INCENTIVE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">You are eligible to receive an annual long-term incentive grant that typically occurs in the first quarter of each calendar year, in accordance with the
Company&#146;s Flexible Stock Plan (FSP) and subject to the approval of the Board of Directors. You must be employed by the last day of February to be eligible for that calendar year&#146;s grant.<B> </B>As an eligible participant your award target
percentage is 400% of base salary, which will be allocated to specific award types based on your level within the organization. We review program eligibility, payment and performance criteria on an annual basis and reserve the right to change or
terminate the program at any time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Due to the timing of your start date, RGA will provide a <FONT STYLE="white-space:nowrap">one-time</FONT> grant with a
value of $1,500,000 split evenly between Restricted Stock Units (RSU) and Stock Appreciation Rights (SARs). The actual number of RSUs will be based on the closing price of RGA common stock on the date of the grant and the actual number of SARs will
be based on the closing price of RGA common stock and Black-Scholes value on the date of the grant. The date of the grant will be within your first 30 days of employment. The grant subject to a <FONT STYLE="white-space:nowrap">3-year</FONT> ratable
vesting schedule whereby the first vesting date will be December&nbsp;31, 2024 with 6/30<SUP STYLE="font-size:75%; vertical-align:top">th</SUP> vesting; the second vesting date will be December&nbsp;31, 2025 with 12/30<SUP
STYLE="font-size:75%; vertical-align:top">th</SUP> vesting; and the third vesting date will be December&nbsp;31, 2026 with the remaining 12/30<SUP STYLE="font-size:75%; vertical-align:top">th</SUP> vesting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Given the level of this role within the organization, you will be subject to share ownership guidelines equal to 5 times your base salary; the actual number
of shares you will be required to hold will be communicated to you each year in Q2. There is no time limit to reach your required ownership level. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>SIGNING BONUS &#150; <FONT STYLE="white-space:nowrap">ONE-TIME</FONT> RESTRICTED STOCK UNIT AWARD </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RGA will provide a <FONT STYLE="white-space:nowrap">one-Time</FONT> Restricted Stock Unit (RSU) grant with a value of $1,000,000. The actual number of
RSU&#146;s granted will be based on the closing price of RGA common stock on the date of the grant, which will be within your first 30 days of employment. This grant is subject to a <FONT STYLE="white-space:nowrap">3-year</FONT> cliff vesting
schedule. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>BENEFITS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Beginning your first day of
employment, we provide a comprehensive benefits package designed to support you and your eligible dependents. Details of these benefits can be found in the attached summaries. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>LEGAL OBLIGATIONS TO PRIOR EMPLOYERS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company
requires its employees to honor their legal obligations to their prior employers. Therefore, as a condition of your employment, you must not bring with you from your current or former employers any confidential or proprietary business information or
use on behalf of the Company any confidential or proprietary information belonging to any prior employer or other third party, unless you have been expressly authorized by the owner of such information to do so in writing. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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">Further, if you have any valid written or other agreement with an existing or former employer that contains
contractual restrictions that may continue to apply to you at any time during your employment with the Company, you must notify us. This offer and your employment with the Company are necessarily contingent upon your ability to legally accept this
offer of employment. By accepting this offer, you certify that you have disclosed to the Company all contractual or other restrictions that may affect your ability to fully perform the duties and responsibilities of your position in the location for
which you are being hired. While the Company will cooperate with your efforts to comply with your obligations, please keep in mind that compliance with your contractual obligations remains your personal responsibility. If you have any questions
regarding these requirements, please contact your manager. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>ADDITIONAL TERMS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This employment relationship is &#147;at will&#148; meaning this employment relationship may be terminated by either party for any reason at any time, with or
without notice. Nothing in this letter constitutes a contract of employment in any way. This offer and your employment with us are contingent upon the following conditions and terms: </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="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">Submission and review of documents that verify your eligibility for employment in the United States; please be
aware that we participate in the <FONT STYLE="white-space:nowrap">E-Verify</FONT> employment eligibility verification system. </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 truthfulness of the representations you have made during the interview process and completion and outcome of
our background check process which includes, but may not be limited to, education, employment, credential, and criminal checks. </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">You have and retain any valid and unrestricted credentials, licenses or designations required for this position.
</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">Your acknowledgement, that you have reviewed and will comply with the Company&#146;s Code of Conduct that applies
to all of your work at the Company. </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">Your agreement you will abide by all policies, practices, and procedures of the Company, which are subject to
change at any time at the sole discretion of the Company </P></TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>CLOSING </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Congratulations on your offer! We hope you agree that our dynamic work environment and competitive rewards package create an extraordinary opportunity and that
RGA is the right place for purpose-driven individuals like you to build a career. We look forward to your response, and if you have any questions, please contact me or our Chief HR Officer Ray Kleeman ([***]). </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="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Sincerely,</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="bottom">/s/ Tony Cheng</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="bottom">Tony Cheng</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">President and Chief Executive Officer</TD></TR>
</TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>d859356dex102.htm
<DESCRIPTION>EX-10.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">

<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 10.2 </B></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:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FLEXIBLE STOCK PLAN </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>STOCK APPRECIATION RIGHT AWARD AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reinsurance Group of America, Incorporated, a Missouri corporation (the &#147;Company&#148;), and Axel Andr&eacute; (&#147;Employee&#148;)
hereby agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 1 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>GRANT OF STOCK APPRECIATION RIGHT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the Reinsurance Group of America, Incorporated Flexible Stock Plan, as amended and restated on May&nbsp;23, 2017 and further
amended effective May&nbsp;19, 2021 (the &#147;Plan&#148;), and pursuant to action of the Committee charged with the Plan&#146;s administration, the Company has granted to Employee, effective July&nbsp;24, 2024 (the &#147;Date of Grant&#148;),
subject to the terms, conditions and limitations stated in this Stock Appreciation Right Award Agreement (this &#147;Agreement&#148;), the Plan and the Company&#146;s Executive Compensation Recoupment Policy (as discussed in Section&nbsp;8(c)), a
stock appreciation right (&#147;SAR&#148;), which is granted with respect to 9,161 shares (each, a &#147;SAR Share&#148;) of Common Stock. The SAR is exercisable as provided in Section&nbsp;3. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 2 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>EXERCISE
PRICE PER SAR SHARE </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The &#147;Exercise Price&#148; per SAR Share shall be $218.54 which is the Fair Market Value of one share of
Common Stock as of the Date of Grant. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 3 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>EXERCISE OF SAR </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <U>Right to Exercise</U>. This SAR is exercisable at any time prior to the Expiration Date, but only to the extent vested on the date of
such exercise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U>Terms of Exercise</U>. Upon exercise of any vested portion of the SAR in accordance with this Section&nbsp;3,
Employee or the individual, trust or entity authorized to exercise such SAR as provided herein (collectively, the &#147;Exercisor&#148;) shall be entitled to receive the excess of (i)&nbsp;the Fair Market Value of the specified number of SAR Shares
as of the date of exercise (which shall be determined by multiplying the number of SAR Shares being exercised by the Fair Market Value of one share of Common Stock on the date of exercise) over (ii)&nbsp;an amount equal to the Exercise Price Per
Share multiplied by the number of SAR Shares being exercised. Such excess, if any, shall be paid either (x)&nbsp;in whole shares of Common Stock, the number of which shall be determined using the Fair Market Value of one share of Common Stock as of
the date of exercise, disregarding any fractional shares, or (y)&nbsp;in cash, with such method of payment to be determined by the Committee from time to time. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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">(c) <U>Method of Exercise</U>. The SAR may be exercised in whole or in part by the Exercisor
at any time or from time to time in accordance with procedures established by the Committee. As promptly as practicable after such exercise of the SAR, the Company shall issue the number of shares of Common Stock or pay the amount of cash, as
applicable, determined pursuant to Section&nbsp;3(b) above to the Exercisor. Each exercised SAR will be cancelled. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <U>Automatic
Exercise</U>. Notwithstanding the foregoing, if the Fair Market Value of an SAR Share on the Expiration Date or, if applicable, the earlier termination date of the Option in accordance with Section&nbsp;4(b)(2) (each, a &#147;Covered Termination
Event&#148;) exceeds the Exercise Price, then to the extent the SARs have not theretofore been exercised, expired or otherwise terminated, the Company shall cause the SARs to be automatically exercised immediately prior to its termination on the
Expiration Date or, if applicable, following the earlier Covered Termination Event, and to provide for the full Purchase Price and related withholding taxes thereon (as described in Section&nbsp;8(g)) to be satisfied through a cash payment, except
as prohibited by applicable law, through the sale of Common Shares that would otherwise be delivered to the Employee having an aggregate Fair Market Value, determined as of the date of exercise, equal to the amount necessary to satisfy the Exercise
Price and the withholding taxes thereon; provided, however, if the forgoing method for the payment of the Exercise Price and the withholding taxes thereon is prohibited by applicable law, then the payment of the Exercise Price and related
withholding taxes shall be satisfied by withholding Common Shares that would otherwise be delivered to the Employee having an aggregate Fair Market Value, determined as of the date of exercise, equal to the amount necessary to satisfy the Exercise
Price and the withholding taxes thereon. This Section is intended to constitute a written plan pursuant to Rule <FONT STYLE="white-space:nowrap">10b5-1(c)</FONT> under the Securities Exchange Act of 1934. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 4 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>CONDITIONS
AND LIMITATIONS ON RIGHT TO EXERCISE SAR </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <U>Vesting</U>. Subject to paragraph (b)&nbsp;of this Section and subject to
Sections 6 and 7, this SAR shall vest in three (3)&nbsp;annual installments, with 6/30th vesting on December&nbsp;31, 2024, 12/30th vesting on December&nbsp;31, 2025, and 12/30th vesting on December&nbsp;31, 2026.&nbsp;The SAR must be exercised, if
at all, no later than ten (10)&nbsp;years from the Date of Grant (the &#147;Expiration Date&#148;).&nbsp;The SAR may be exercised in full or in part pursuant to this vesting schedule at any time prior to the Expiration Date.&nbsp;Upon a partial
exercise of this SAR, the number of SAR Shares available for future exercise shall be reduced by the portion of the SAR so exercised. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)
<U>Exercise if No Longer an Employee</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Termination</U>. Except as provided in paragraphs (2)&nbsp;or (3) below,
the SAR may be exercised only by Employee while serving as an officer or employee of the Company or any of its Affiliates or within 30 days following termination of employment. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing, Employee may exercise the SAR following termination only to the extent the SAR was vested and
had not been exercised prior to termination, and in no event may the SAR be exercised after the Expiration 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">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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">An approved leave of absence shall not constitute a termination for purposes
of this Section so long as Employee&#146;s right to <FONT STYLE="white-space:nowrap">re-employment</FONT> is guaranteed either by statute, local law, contract or pursuant to any Company policy. Where
<FONT STYLE="white-space:nowrap">re-employment</FONT> is not so guaranteed, termination shall be deemed to occur on the first day after the end of such approved period of leave. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Disability or Death</U>. Notwithstanding the vesting schedule set forth in Section&nbsp;4(a) above, if Employee ceases
to be employed by the Company or any of its Affiliates prior to the Expiration Date due to Disability or death, the SAR shall become immediately 100% vested with respect to the portion of the SAR not exercised prior to the date of Disability or
death, and the SAR may be exercised at any time within five (5)&nbsp;years following the earlier to occur of death or Disability, but in no event later than the Expiration Date. Should this Section&nbsp;4(b)(2) become operative because of
Employee&#146;s death, or should Employee die after Employee&#146;s Disability, then the SAR may be exercised by: (i)&nbsp;a legatee or legatees of Employee under Employee&#146;s last will; (ii)&nbsp;Employee&#146;s personal representative(s) under
Employee&#146;s last will or, if Employee died without a will, the executor of Employee&#146;s probate estate; or (iii)&nbsp;the trustee(s) of Employee&#146;s revocable living trust or of a trust indenture of which Employee is a grantor or a
beneficiary. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Agreement, &#147;Disability&#148; means disability as defined in any long-term
disability plan maintained by the Company or an Affiliate which covers Employee or, in the absence of any such plan, the physical or mental condition of Employee arising prior to the Expiration Date, which in the opinion of a qualified physician
chosen by the Company prevents Employee from continuing employment with the Company and its Affiliates. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <U>Dividend Equivalents</U>.
SARs shall not include dividend equivalent payments or dividend credit rights. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 5 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>DELIVERY OF SHARES </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company shall not be required to issue or deliver any shares of Common Stock, if applicable, upon the exercise of this SAR prior to
(a)&nbsp;the admission of such shares to listing on any stock exchange on which the Company&#146;s Common Stock may then be listed, (b)&nbsp;the completion of any registration and/or qualification of such shares under any state or federal laws
(including without limitation the Securities Act of 1933, as amended) or rulings or regulations of any governmental regulatory body, which the Company shall determine to be necessary or advisable, or (c)&nbsp;if the Company so requests, the filing
with the Company by the Exercisor of a representation in writing at the time of such exercise that it is such Exercisor&#146;s present intention to acquire the shares being purchased for investment and not for resale or distribution. </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"> </p>
<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>SECTION 6 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>CHANGE OF CONTROL </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the vesting schedule set forth in Section&nbsp;4(a), upon a Change of Control prior to Employee&#146;s termination, Disability
or death (as described in Section&nbsp;4(b)), the SAR shall become immediately 100% vested with respect to the portion of the SAR not exercised prior to the Change of Control (but in no event may Employee exercise any portion of the SAR after the
Expiration Date). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 7 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>CANCELLATION </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding anything herein to the contrary, this Agreement shall be cancelled and the SAR granted hereby shall be forfeited, without any
further action by the Committee, as a result of Employee&#146;s Malfeasance. Upon such cancellation, all rights of Employee hereunder shall terminate, irrespective of whether the SAR is otherwise vested, and the shares of Common Stock reserved for
use hereunder shall be available for future grant in accordance with the Plan. &#147;Malfeasance&#148; means (1)&nbsp;any conduct, act or omission that is contrary to Employee&#146;s duties as an officer or employee of the Company or any of its
Affiliates, or that is inimical or in any way contrary to the best interests of the Company or any of its Affiliates, or (2)&nbsp;employment of Employee by or association of Employee with an organization that competes with the Company or any of its
Affiliates, in each case as determined by the Committee. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 8 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>MISCELLANEOUS </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
<U>Rights in Shares Prior to Issuance</U>. Prior to issuance of shares of Common Stock in accordance with Section&nbsp;3, neither Employee nor his or her legatees, personal representatives or distributees (i)&nbsp;shall be deemed to be a holder of
any shares of Common Stock subject to this SAR or (ii)&nbsp;have any voting rights with respect to any such shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U><FONT
STYLE="white-space:nowrap">Non-assignability</FONT></U>. This SAR shall not be transferable by Employee other than by will or by the laws of descent and distribution; provided that, Employee may transfer the SAR during his or her lifetime to a
revocable living trust of which Employee is grantor, or to another form of trust indenture of which Employee is a grantor or a beneficiary. This SAR may be exercised during Employee&#146;s lifetime only by: Employee; Employee&#146;s guardian, power
of attorney, or legal representative; or the trustee of Employee&#146;s revocable living trust or of a trust indenture of which Employee is a grantor or a beneficiary. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <U>Recoupment</U>. The award granted pursuant to this Agreement is subject to the terms and conditions contained in the Company&#146;s
Executive Compensation Recoupment Policy (as such policy may be amended from time to time, the &#147;Recoupment Policy&#148;), which permits the Company to recoup all or a portion of awards made to certain employees upon the occurrence of any
Recoupment Event (as defined in the Recoupment Policy), and may become subject to any clawback policy that may be adopted by the Company in the future (the Recoupment Policy, together with any such other policies, collectively, the
&#147;Policies&#148;).&nbsp;If the award granted pursuant to this Agreement becomes subject to recoupment pursuant to any one or more of the Policies, the Company may utilize any method of recovery specified in any of such Policies in connection
with any award recoupments required or permitted under any of such Policies.&#8195; </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"> </p>
<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">(d) <U>Designation of Beneficiaries</U>. Employee may file with the Company a written
designation of a beneficiary or beneficiaries to exercise, upon Employee&#146;s death, the SAR granted hereunder, subject to all of the provisions of this Agreement. An Employee may from time to time revoke or change any such designation of
beneficiary and any designation of beneficiary under the Plan shall be controlling over any other disposition, testamentary or otherwise; provided, however, that if the Committee shall be in doubt as to the right of any such beneficiary to exercise
the SAR, the Committee may recognize only an exercise by the personal representative of the estate of Employee, in which case the Company, the Committee and the members thereof shall not be under any further liability to anyone. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <U>Changes in Capital Structure</U>. If there is any change in the Common Stock by reason of any extraordinary dividend, stock dividend, <FONT
STYLE="white-space:nowrap">spin-off,</FONT> <FONT STYLE="white-space:nowrap">split-up,</FONT> <FONT STYLE="white-space:nowrap">spin-out,</FONT> recapitalization, warrant or rights issuance or combination, exchange or reclassification of shares,
merger, consolidation, reorganization, sale of substantially all assets or, as determined by the Committee, other similar or relevant event, then the number, kind and class of shares of Common Stock available for SARs and the number, kind and class
of shares of Common Stock subject to outstanding SARs and the exercise price thereof, as applicable, shall be appropriately adjusted by the Committee. The issuance of shares of Common Stock for consideration and the issuance of rights with respect
to Common Stock shall not be considered a change in the Company&#146;s capital structure. No adjustment provided for in this Section shall require the issuance of any fractional shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <U>Right to Continued Employment</U>. Nothing in this Agreement shall confer on Employee any right to continued employment or interfere
with the right of an employer to terminate Employee&#146;s employment at any time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <U>Restrictive Covenants</U>. In exchange for the
consideration provided to Employee pursuant to this Agreement, which Employee acknowledges is in addition to any compensation for services performed, Employee agrees as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) For the duration of Employee&#146;s employment with the Company or any of its affiliates or subsidiaries, including, but
not limited to, RGA Enterprise Services Company, and for a period of twelve (12)&nbsp;months following the termination of Employee&#146;s employment, Employee shall not, directly or indirectly, be employed by or provide any services for any person,
business, firm, company, or other entity engaged in the same or similar lines of business as the Company or that competes with the Company in any way, without the written consent of 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">(2) For the duration of Employee&#146;s employment with the Company or any of its affiliates or subsidiaries, including, but
not limited to, RGA Enterprise Services Company, and for a period of twelve (12)&nbsp;months following the termination of Employee&#146;s employment, Employee shall not, directly or indirectly, solicit, induce, persuade, or advise, or attempt to or
encourage another person or entity to solicit, induce, persuade, or advise, </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"> </p>
<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">
any person employed by the Company or any person retained by the Company as an independent contractor or contingent worker, to terminate their employment or contract relationship with the
Company, or to obtain employment or commence a contract relationship with another person or entity, without the written consent of 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">(3) Employee shall keep in strict confidence all confidential and/or proprietary information of the Company, its affiliates,
and subsidiaries in accordance with applicable Company policies and procedures. Confidential and/or proprietary information includes, but is not limited to, any trade secrets, processes, formulas, data,
<FONT STYLE="white-space:nowrap">know-how,</FONT> inventions, improvements, techniques, training methods, business management methods, financial data, technical data and documentation, contracts, strategic planning, product/service specifications,
communication systems, marketing plans, forecasts, customer and supplier lists and contacts, price and cost lists, prototypes, computer programs, databases, drawings, models, marketing data, projections, client and employee information, books,
records, accounts, data processing information, or any document in any form in Employee&#146;s possession which refers or relates to RGA&#146;s business and affairs. Confidential and proprietary information shall not include information that was,
is, or becomes generally available to the public through no fault of the employee. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) Nothing in this Agreement is
intended to interfere with or prohibit Employee from reporting to or participating in an investigation with any federal, state or local government agency about a possible violation of law, from recovering any award offered by such agency associated
with such investigation, or from making other disclosures protected by applicable whistleblower statutes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The provisions of this Section&nbsp;8(g) shall
survive the termination of Employee&#146;s employment with the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <U>Tax Withholding</U>. Employee must pay, or make
arrangements acceptable to the Company for the payment of any and all federal, state and local tax withholding that in the opinion of the Company is required by law. Unless Employee satisfies any such tax withholding obligation by paying the amount
in cash or by check, the Company will withhold shares of Common Stock having a Fair Market Value on the date of withholding equal to the tax withholding obligation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <U>Copy of Plan</U>. By signing this Agreement, Employee acknowledges receipt of a copy of the Plan and any offering circular related to
the Plan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) <U>Choice of Law; Venue</U>. This Agreement will be governed by the laws of the State of Missouri, without giving regard to
the conflict of law provisions thereof. Any legal action arising out of this Agreement may only be brought in the Circuit Court in St. Louis County and/or the United States District Court in St. Louis, Missouri. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) <U>Execution</U>. An authorized representative of the Company has signed this Agreement, and Employee has signed this Agreement to
evidence Employee&#146;s acceptance of the award on the terms specified in this Agreement and the Plan, all as of the Date of Grant. </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"> </p>
<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>SECTION 9 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>TERMS OF THE PLAN </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This award is granted under and is expressly subject to all the terms and provisions of the Plan, which terms are incorporated herein by
reference. The Plan and this Agreement are administered by the Committee. Any determination under the Plan or this Agreement made by the Committee shall be at the Committee&#146;s sole discretion. The Committee shall have the discretion to reduce or
eliminate any unvested portion of the SARs outstanding hereunder. Capitalized terms used and not otherwise defined in this Agreement shall have the same meanings ascribed to them in the Plan. </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">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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">IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of this 24th day of July, 2024. </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="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></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">&#147;Company&#148;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>Reinsurance Group of America, Incorporated</B></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"> <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="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Tony Cheng</P></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">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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">Tony Cheng</P></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">Title:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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">President and Chief Executive Officer</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">&#147;Employee&#148;</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" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Axel Andr&eacute;</P></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">Name: Axel Andr&eacute;</P></TD></TR>
</TABLE></DIV>
 <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>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>d859356dex103.htm
<DESCRIPTION>EX-10.3
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.3</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">

<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 10.3 </B></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:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FLEXIBLE STOCK PLAN </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RESTRICTED STOCK UNIT AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reinsurance Group of America, Incorporated, a Missouri corporation (the &#147;Company&#148;), and Axel Andr&eacute; (&#147;Employee&#148;),
hereby agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 1 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>GRANT OF RSUs </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the Reinsurance Group of America, Incorporated Flexible Stock Plan, as amended and restated on May&nbsp;23, 2017 and further
amended effective May&nbsp;19, 2021 (the &#147;Plan&#148;), and pursuant to action of the Committee charged with the Plan&#146;s administration, the Company has granted to Employee, effective July&nbsp;24, 2024 (the &#147;Date of Grant&#148;),
subject to the terms, conditions and limitations stated in this Restricted Stock Unit Agreement (this &#147;Agreement&#148;), the Plan and the Company&#146;s Executive Compensation Recoupment Policy (as discussed in Section&nbsp;5(c)), an award of
restricted stock units (&#147;RSUs&#148;) with respect to 4,576 shares of Common Stock. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 2 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>TERMS OF GRANT </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
<U>Vesting Period</U>. The vesting period for this award is the three (3)&nbsp;year period beginning on the Date of Grant, and ending July&nbsp;24, 2027 (the &#147;Vesting Period&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U>Payment</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(1)
<U>RSUs Payable In Common Stock</U>. Subject to early termination of this Agreement pursuant to Sections 3 or 4 below, within 60 days following the last day of the Vesting Period, the Company will deliver to Employee one (1)&nbsp;share of the
Company&#146;s Common Stock for each RSU granted under this Agreement; provided, however, that any fractional RSU shall be paid in cash equal to such fraction of the Fair Market Value of a share of Common Stock on the date of payment; provided,
further, that the Committee shall have the discretion to reduce or eliminate the number of shares of Common Stock delivered hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(2) <U>Dividend Equivalents</U>. RSUs shall not include dividend equivalent payments or dividend credit rights. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 3 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>CONDITIONS
AND LIMITATIONS ON RIGHT TO RECEIVE </U></B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RSUs OR COMMON SHARES </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <U>Demotion or Transfer</U>. If Employee is demoted or transferred to a position with the Company or any of its Affiliates in which
Employee is no longer eligible to participate in the Plan prior to the expiration of the Vesting Period, the Committee shall determine whether this Agreement in whole or in part will terminate and be of no further force or effect and the RSUs
awarded to Employee hereunder shall be forfeited. </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">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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) <U>Termination of Employment</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Death</U>. If Employee ceases to be employed by the Company or any of its Affiliates prior to the expiration of the
Vesting Period due to his or her death, the Company shall pay to the legal representative of Employee&#146;s estate or revocable living trust a pro rata proportion of the shares of Common Stock that would have been issued to Employee under this
Agreement. The number of shares of Common Stock representing such payment shall be determined by multiplying such shares by a fraction, the numerator of which is the number of calendar months in the Vesting Period prior to Employee&#146;s death, and
the denominator of which is 36. Such pro rata proportion shall be paid to the legal representative of Employee&#146;s estate or revocable living trust at such time as determined by the Committee. Employment for any portion of a calendar month during
the Vesting Period shall be deemed employment for that calendar month. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Disability</U>. If Employee ceases to be
employed by the Company or any of its Affiliates prior to the expiration of the Vesting Period due to his or her Disability, the Company shall pay to Employee a pro rata proportion of the shares of Common Stock that would have been issued to
Employee under this Agreement. The number of shares of Common Stock representing such payment shall be determined by multiplying such shares by a fraction, the numerator of which is the number of calendar months in the Performance Period prior to
Employee&#146;s termination of employment due to Disability, and the denominator of which is 36. Such pro rata proportion shall be paid to Employee at such time as determined by the Committee. Employment for any portion of a calendar month during
the Vesting Period shall be deemed employment for that calendar month. For purposes of this Agreement, &#147;Disability&#148; shall mean disability as defined in any long-term disability plan maintained by the Company or an Affiliate which covers
Employee or, in the absence of any such plan, the physical or mental condition of Employee arising during the Vesting Period, which in the opinion of a qualified physician chosen by the Company prevents Employee from continuing employment with the
Company and its Affiliates. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Other Termination</U>. If Employee&#146;s employment with the Company and its
Affiliates is terminated prior to payment of the shares of Common Stock as specified in Section&nbsp;2(b) above, whether voluntarily or involuntarily, for any reason other than death, Disability or Retirement, this Agreement will terminate and be of
no further force or effect and the RSUs awarded to Employee hereunder shall be forfeited, unless otherwise determined by the Committee. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 4 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>CHANGE OF
CONTROL </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Following any Change of Control, the number of shares of Common Stock determined in accordance with Sections 1 and 2(b)
(and, upon Employee&#146;s death, Disability or Retirement prior to the end of the Vesting Period, Section&nbsp;3(b)) shall be delivered to Employee (or, upon Employee&#146;s death, the legal representative of Employee&#146;s estate or revocable
living trust) at the same time and in the same manner as specified in Section&nbsp;2(b) above. Section&nbsp;3(b)(3) shall not apply in the case of involuntary termination of Employee&#146;s employment by the Company or an Affiliate following a
Change of Control other than for cause. For purposes of this Section, &#147;cause&#148; </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"> </p>
<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">
shall mean (a)&nbsp;any conduct, act or omission that is contrary to Employee&#146;s duties as an officer or employee of the Company or any of its Affiliates, or that is inimical or in any way
contrary to the best interests of the Company or any of its Affiliates, or (b)&nbsp;employment of Employee by or association of Employee with an organization that competes with the Company or any of its Affiliates, in each case as determined by the
Committee. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 5 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>MISCELLANEOUS </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
<U>Rights in Shares Prior to Issuance</U>. Prior to issuance of shares of Common Stock in accordance with Section&nbsp;2(b), neither Employee nor his or her legatees, personal representatives or distributees (i)&nbsp;shall be deemed to be a holder
of any shares of Common Stock represented by the RSUs awarded hereunder or (ii)&nbsp;have any voting rights with respect to any such shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U><FONT STYLE="white-space:nowrap">Non-assignability</FONT></U>. The RSUs shall not be transferable by Employee other than by will or by
the laws of descent and distribution; provided that, Employee may transfer the RSUs during his or her lifetime to a revocable living trust of which Employee is grantor, or to another form of trust indenture of which Employee is a grantor or a
beneficiary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <U>Recoupment</U>. The award granted pursuant to this Agreement is subject to the terms and conditions contained in the
Company&#146;s Executive Compensation Recoupment Policy (as such policy may be amended from time to time, the &#147;Recoupment Policy&#148;), which permits the Company to recoup all or a portion of awards made to certain employees upon the
occurrence of any Recoupment Event (as defined in the Recoupment Policy), and may become subject to any clawback policy that may be adopted by the Company in the future, including without limitation any such policy or amended version of the
Recoupment Policy required to comply with the final Securities and Exchange Commission rules and/or New York Stock Exchange listing standards with respect to recoupment adopted pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection
Act (the Recoupment Policy, together with any such other policies, collectively, the &#147;Policies&#148;).&nbsp;If the award granted pursuant to this Agreement becomes subject to recoupment pursuant to any one or more of the Policies, the Company
may utilize any method of recovery specified in any of such Policies in connection with any award recoupments required or permitted under any of such Policies. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <U>Securities Law Requirements</U>. The Company shall not be required to issue shares of Common Stock pursuant to this Agreement unless
and until (i)&nbsp;such shares have been duly listed upon each stock exchange on which the Company&#146;s Common Stock is then registered and (ii)&nbsp;a registration statement under the Securities Act of 1933 with respect to such shares is then
effective. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <U>Designation of Beneficiaries</U>. Employee may file with the Company a written designation of a beneficiary or
beneficiaries to receive, upon Employee&#146;s death, the shares of Common Stock determined in accordance with Section&nbsp;3(b) and subject to all of the provisions of this Agreement. An Employee may from time to time revoke or change any such
designation of beneficiary and any designation of beneficiary under the Plan shall be controlling over any other disposition, testamentary or otherwise; provided, however, that if the Committee shall be in doubt as to the right of any such
beneficiary to receive shares of Common Stock, the Committee may recognize only receipt of such shares by the personal representative of the estate of Employee, in which case the Company, the Committee and the members thereof shall not be under any
further liability to anyone. </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"> </p>
<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) <U>Changes in Capital Structure</U>. If there is any change in the Common Stock by
reason of any extraordinary dividend, stock dividend, <FONT STYLE="white-space:nowrap">spin-off,</FONT> <FONT STYLE="white-space:nowrap">split-up,</FONT> <FONT STYLE="white-space:nowrap">spin-out,</FONT> recapitalization, warrant or rights issuance
or combination, exchange or reclassification of shares, merger, consolidation, reorganization, sale of substantially all assets or, as determined by the Committee, other similar or relevant event, then the number, kind and class of shares of Common
Stock available for RSUs and the number, kind and class of shares of Common Stock subject to outstanding RSUs, as applicable, shall be appropriately adjusted by the Committee. The issuance of shares of Common Stock for consideration and the issuance
of rights with respect to Common Stock shall not be considered a change in the Company&#146;s capital structure. No adjustment provided for in this Section shall require the issuance of any fractional shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <U>Right to Continued Employment</U>. Nothing in this Agreement shall confer on Employee any right to continued employment or interfere
with the right of an employer to terminate Employee&#146;s employment at any time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <U>Restrictive Covenants</U>. In exchange for the
consideration provided to Employee pursuant to this Agreement, which Employee acknowledges is in addition to any compensation for services performed, Employee agrees as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) For the duration of Employee&#146;s employment with the Company or any of its affiliates or subsidiaries, including, but
not limited to, RGA Enterprise Services Company, and for a period of twelve (12)&nbsp;months following the termination of Employee&#146;s employment, Employee shall not, directly or indirectly, be employed by or provide any services for any person,
business, firm, company, or other entity engaged in the same or similar lines of business as the Company or that competes with the Company in any way, without the written consent of 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">(2) For the duration of Employee&#146;s employment with the Company or any of its affiliates or subsidiaries, including, but
not limited to, RGA Enterprise Services Company, and for a period of twelve (12)&nbsp;months following the termination of Employee&#146;s employment, Employee shall not, directly or indirectly, solicit, induce, persuade, or advise, or attempt to or
encourage another person or entity to solicit, induce, persuade, or advise, any person employed by the Company or any person retained by the Company as an independent contractor or contingent worker, to terminate their employment or contract
relationship with the Company, or to obtain employment or commence a contract relationship with another person or entity, without the written consent of 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">(3) Employee shall keep in strict confidence all confidential and/or proprietary information of the Company, its affiliates,
and subsidiaries in accordance with applicable Company policies and procedures. Confidential and/or proprietary information includes, but is not limited to, any trade secrets, processes, formulas, data,
<FONT STYLE="white-space:nowrap">know-how,</FONT> inventions, improvements, techniques, training methods, business management methods, financial </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"> </p>
<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">
data, technical data and documentation, contracts, strategic planning, product/service specifications, communication systems, marketing plans, forecasts, customer and supplier lists and contacts,
price and cost lists, prototypes, computer programs, databases, drawings, models, marketing data, projections, client and employee information, books, records, accounts, data processing information, or any document in any form in Employee&#146;s
possession which refers or relates to RGA&#146;s business and affairs. Confidential and proprietary information shall not include information that was, is, or becomes generally available to the public through no fault of the employee. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) Nothing in this Agreement is intended to interfere with or prohibit Employee from reporting to or participating in an
investigation with any federal, state or local government agency about a possible violation of law, from recovering any award offered by such agency associated with such investigation, or from making other disclosures protected by applicable
whistleblower statutes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The provisions of this Section&nbsp;5(h) shall survive the termination of Employee&#146;s employment with the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <U>Tax Withholding</U>. Employee must pay, or make arrangements acceptable to the Company for the payment of any and all federal, state
and local tax withholding that in the opinion of the Company is required by law. Unless Employee satisfies any such tax withholding obligation by paying the amount in cash or by check, the Company will withhold shares of Common Stock having a Fair
Market Value on the date of withholding equal to the tax withholding obligation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) <U>Copy of Plan</U>. By signing this Agreement,
Employee acknowledges receipt of a copy of the Plan and any offering circular related to the Plan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) <U>Choice of Law; Venue</U>. This
Agreement will be governed by the laws of the State of Missouri, without giving regard to the conflict of law provisions thereof. Any legal action arising out of this Agreement may only be brought in the Circuit Court in St. Louis County and/or the
United States District Court in St. Louis, Missouri. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) <U>Execution</U>. An authorized representative of the Company has signed this
Agreement, and Employee has signed this Agreement to evidence Employee&#146;s acceptance of the award on the terms specified in this Agreement and the Plan, all as of the Date of Grant. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) <U>Section</U><U></U><U>&nbsp;409A</U>. This Agreement is intended to comply with Section&nbsp;409A of the Code or an exemption thereunder
and shall be construed and interpreted in a manner that is consistent with the requirements for avoiding additional taxes or penalties under Section&nbsp;409A of the Code. Notwithstanding the foregoing, the Company makes no representations that the
payments and benefits provided under this Agreement comply with Section&nbsp;409A of the Code and in no event shall the Company be liable for all or any portion of any taxes, penalties, interest or other expenses that may be incurred by Employee on
account of <FONT STYLE="white-space:nowrap">non-compliance</FONT> with Section&nbsp;409A of the Code. Notwithstanding anything herein to the contrary, if Employee is determined to be a specified employee within the meaning of Section&nbsp;409A of
the Code, any payment on account of termination of employment shall be made on the first payroll date which is more than six months following the date of Employee&#146;s termination of employment to the extent required to avoid any adverse tax
consequences under Section&nbsp;409A of the Code. To the extent necessary for compliance with Code Section&nbsp;409A, references to termination of employment under this Agreement shall mean a &#147;separation from service&#148; within the meaning of
Section&nbsp;409A 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">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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>SECTION 6 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>TERMS OF THE PLAN </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This award is granted under and is expressly subject to all the terms and provisions of the Plan, which terms are incorporated herein by
reference. The Plan and this Agreement are administered by the Committee. Any determination under the Plan or this Agreement made by the Committee shall be at the Committee&#146;s sole discretion. Capitalized terms used and not otherwise defined in
this Agreement shall have the same meanings ascribed to them in the Plan.&#8195; </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">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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">IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of this 24th day of July, 2024. </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"><B>Reinsurance Group of America, Incorporated</B></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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Tony Cheng</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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tony Cheng</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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">President and Chief Executive Officer</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"><B>Employee</B></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" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Axel Andr&eacute;</P></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">Name: Axel Andr&eacute;</P></TD></TR>
</TABLE></DIV>
 <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>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.4
<SEQUENCE>5
<FILENAME>d859356dex104.htm
<DESCRIPTION>EX-10.4
<TEXT>
<HTML><HEAD>
<TITLE>EX-10.4</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE" STYLE="line-height:Normal">

<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 10.4 </B></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:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FLEXIBLE STOCK PLAN </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RESTRICTED STOCK UNIT AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reinsurance Group of America, Incorporated, a Missouri corporation (the &#147;Company&#148;), and Axel Andr&eacute; (&#147;Employee&#148;),
hereby agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 1 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>GRANT OF RSUs </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the Reinsurance Group of America, Incorporated Flexible Stock Plan, as amended and restated on May&nbsp;23, 2017 and further
amended effective May&nbsp;19, 2021 (the &#147;Plan&#148;), and pursuant to action of the Committee charged with the Plan&#146;s administration, the Company has granted to Employee, effective July&nbsp;24, 2024 (the &#147;Date of Grant&#148;),
subject to the terms, conditions and limitations stated in this Restricted Stock Unit Agreement (this &#147;Agreement&#148;), the Plan and the Company&#146;s Executive Compensation Recoupment Policy (as discussed in Section&nbsp;5(c)), an award of
restricted stock units (&#147;RSUs&#148;) with respect to 3,432 shares of Common Stock. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 2 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>TERMS OF GRANT </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
<U>Vesting</U>. The RSUs will ratably vest in three (3)&nbsp;annual installments, with 6/30th vesting on December&nbsp;31, 2024, 12/30th vesting on December&nbsp;31, 2025, and 12/30th vesting on December&nbsp;31, 2026 (each such day, a &#147;Vesting
Date&#148; and the period between the Date of Grant and December&nbsp;31, 2026, the &#147;Vesting Period&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U>Payment</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(1) <U>RSUs Payable In Common Stock</U>. Subject to early termination of this Agreement pursuant to Sections 3 or 4 below, on or after
January&nbsp;1 but no later than December&nbsp;31 following each of the Vesting Dates in Section&nbsp;2(a) above, the Company will deliver to Employee one (1)&nbsp;share of the Company&#146;s Common Stock for each vested RSU granted under this
Agreement; provided, however, that any fractional RSU for the first two Vesting Dates shall be rounded down to the nearest whole share and the RSUs vesting on the final Vesting Date shall be such number necessary to ensure the full award of RSUs
granted pursuant to this Agreement vest at the end of the Vesting Period; provided, further, that the Committee shall have the discretion to reduce or eliminate the number of shares of Common Stock delivered hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(2) <U>Dividend Equivalents</U>. RSUs shall not include dividend equivalent payments or dividend credit rights. </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">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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>SECTION 3 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>CONDITIONS AND LIMITATIONS ON RIGHT TO RECEIVE </U></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RSUs OR COMMON SHARES </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <U>Demotion or Transfer</U>. If Employee is demoted or transferred to a position with the Company or any of its Affiliates in which
Employee is no longer eligible to participate in the Plan prior to any Vesting Date, the Committee shall determine whether this Agreement in whole or in part will terminate and be of no further force or effect and the RSUs awarded to Employee
hereunder shall be forfeited. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U>Termination of Employment</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Death</U>. If Employee ceases to be employed by the Company or any of its Affiliates prior to the expiration of the
Vesting Period due to his or her death, the Company shall pay to the legal representative of Employee&#146;s estate or revocable living trust a pro rata proportion of the unvested shares of Common Stock that would have been issued to Employee under
this Agreement. The number of shares of Common Stock representing such payment shall be determined by multiplying such unvested shares by a fraction, the numerator of which is the number of calendar months elapsed in the year of the Employee&#146;s
death, and the denominator of which is 30 if the death occurs in 2024, 24 if the death occurs in 2025 and 12 if the death occurs in 2026. Such pro rata proportion shall be paid to the legal representative of Employee&#146;s estate or revocable
living trust at such time as determined by the Committee. Employment for any portion of a calendar month during the Vesting Period shall be deemed employment for that calendar month. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Disability</U>. If Employee ceases to be employed by the Company or any of its Affiliates prior to the expiration of the
Vesting Period due to his or her Disability, the Company shall pay to Employee a pro rata proportion of the unvested shares of Common Stock that would have been issued to Employee under this Agreement. The number of shares of Common Stock
representing such payment shall be determined by multiplying such unvested shares by a fraction, the numerator of which is the number of calendar months elapsed in the year of the Employee&#146;s termination of employment due to Disability, and the
denominator of which is 30 if the termination occurs in 2024, 24 if the termination occurs in 2025 and 12 if the termination occurs in 2026. Such pro rata proportion shall be paid to Employee at such time as determined by the Committee. Employment
for any portion of a calendar month during the Vesting Period shall be deemed employment for that calendar month. For purposes of this Agreement, &#147;Disability&#148; shall mean disability as defined in any long-term disability plan maintained by
the Company or an Affiliate which covers Employee or, in the absence of any such plan, the physical or mental condition of Employee arising during the Vesting Period, which in the opinion of a qualified physician chosen by the Company prevents
Employee from continuing employment with the Company and its Affiliates. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Other Termination</U>. If Employee&#146;s
employment with the Company and its Affiliates is terminated prior to payment of the shares of Common Stock as specified in Section&nbsp;2(b) above, whether voluntarily or involuntarily, for any reason other than death or Disability, this Agreement
will terminate and be of no further force or effect and the RSUs awarded to Employee hereunder shall be forfeited, unless otherwise determined by the Committee. </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"> </p>
<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>SECTION 4 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>CHANGE OF CONTROL </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Following any Change of Control, the number of shares of Common Stock determined in accordance with Sections 1, 2(b) and 3 shall be delivered
to Employee (or, upon Employee&#146;s death, the legal representative of Employee&#146;s estate or revocable living trust) at the same time and in the same manner as specified in Section&nbsp;2(b) above. Section&nbsp;3(b)(3) shall not apply in the
case of involuntary termination of Employee&#146;s employment by the Company or an Affiliate following a Change of Control other than for cause. For purposes of this Section, &#147;cause&#148; shall mean (a)&nbsp;any conduct, act or omission that is
contrary to Employee&#146;s duties as an officer or employee of the Company or any of its Affiliates, or that is inimical or in any way contrary to the best interests of the Company or any of its Affiliates, or (b)&nbsp;employment of Employee by or
association of Employee with an organization that competes with the Company or any of its Affiliates, in each case as determined by the Committee. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 5 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>MISCELLANEOUS </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
<U>Rights in Shares Prior to Issuance</U>. Prior to issuance of shares of Common Stock in accordance with Section&nbsp;2(b), neither Employee nor his or her legatees, personal representatives or distributees (i)&nbsp;shall be deemed to be a holder
of any shares of Common Stock represented by the RSUs awarded hereunder or (ii)&nbsp;have any voting rights with respect to any such shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U><FONT STYLE="white-space:nowrap">Non-assignability</FONT></U>. The RSUs shall not be transferable by Employee other than by will or by
the laws of descent and distribution; provided that, Employee may transfer the RSUs during his or her lifetime to a revocable living trust of which Employee is grantor, or to another form of trust indenture of which Employee is a grantor or a
beneficiary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <U>Recoupment</U>. The award granted pursuant to this Agreement is subject to the terms and conditions contained in the
Company&#146;s Executive Compensation Recoupment Policy (as such policy may be amended from time to time, the &#147;Recoupment Policy&#148;), which permits the Company to recoup all or a portion of awards made to certain employees upon the
occurrence of any Recoupment Event (as defined in the Recoupment Policy), and may become subject to any clawback policy that may be adopted by the Company in the future (the Recoupment Policy, together with any such other policies, collectively, the
&#147;Policies&#148;).&nbsp;If the award granted pursuant to this Agreement becomes subject to recoupment pursuant to any one or more of the Policies, the Company may utilize any method of recovery specified in any of such Policies in connection
with any award recoupments required or permitted under any of such Policies. </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"> </p>
<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">(d) <U>Securities Law Requirements</U>. The Company shall not be required to issue shares of
Common Stock pursuant to this Agreement unless and until (i)&nbsp;such shares have been duly listed upon each stock exchange on which the Company&#146;s Common Stock is then registered and (ii)&nbsp;a registration statement under the Securities Act
of 1933 with respect to such shares is then effective. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <U>Designation of Beneficiaries</U>. Employee may file with the Company a
written designation of a beneficiary or beneficiaries to receive, upon Employee&#146;s death, the shares of Common Stock determined in accordance with Section&nbsp;3(b) and subject to all of the provisions of this Agreement. An Employee may from
time to time revoke or change any such designation of beneficiary and any designation of beneficiary under the Plan shall be controlling over any other disposition, testamentary or otherwise; provided, however, that if the Committee shall be in
doubt as to the right of any such beneficiary to receive shares of Common Stock, the Committee may recognize only receipt of such shares by the personal representative of the estate of Employee, in which case the Company, the Committee and the
members thereof shall not be under any further liability to anyone. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <U>Changes in Capital Structure</U>. If there is any change in
the Common Stock by reason of any extraordinary dividend, stock dividend, <FONT STYLE="white-space:nowrap">spin-off,</FONT> <FONT STYLE="white-space:nowrap">split-up,</FONT> <FONT STYLE="white-space:nowrap">spin-out,</FONT> recapitalization, warrant
or rights issuance or combination, exchange or reclassification of shares, merger, consolidation, reorganization, sale of substantially all assets or, as determined by the Committee, other similar or relevant event, then the number, kind and class
of shares of Common Stock available for RSUs and the number, kind and class of shares of Common Stock subject to outstanding RSUs, as applicable, shall be appropriately adjusted by the Committee. The issuance of shares of Common Stock for
consideration and the issuance of rights with respect to Common Stock shall not be considered a change in the Company&#146;s capital structure. No adjustment provided for in this Section shall require the issuance of any fractional shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <U>Right to Continued Employment</U>. Nothing in this Agreement shall confer on Employee any right to continued employment or interfere
with the right of an employer to terminate Employee&#146;s employment at any time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <U>Restrictive Covenants</U>. In exchange for the
consideration provided to Employee pursuant to this Agreement, which Employee acknowledges is in addition to any compensation for services performed, Employee agrees as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) For the duration of Employee&#146;s employment with the Company or any of its affiliates or subsidiaries, including, but
not limited to, RGA Enterprise Services Company, and for a period of twelve (12)&nbsp;months following the termination of Employee&#146;s employment, Employee shall not, directly or indirectly, be employed by or provide any services for any person,
business, firm, company, or other entity engaged in the same or similar lines of business as the Company or that competes with the Company in any way, without the written consent of 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">(2) For the duration of Employee&#146;s employment with the Company or any of its affiliates or subsidiaries, including, but
not limited to, RGA Enterprise Services Company, and for a period of twelve (12)&nbsp;months following the termination of Employee&#146;s employment, Employee shall not, directly or indirectly, solicit, induce, persuade, or advise, or attempt to or
encourage another person or entity to solicit, induce, persuade, or advise, </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"> </p>
<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">
any person employed by the Company or any person retained by the Company as an independent contractor or contingent worker, to terminate their employment or contract relationship with the
Company, or to obtain employment or commence a contract relationship with another person or entity, without the written consent of 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">(3) Employee shall keep in strict confidence all confidential and/or proprietary information of the Company, its affiliates,
and subsidiaries in accordance with applicable Company policies and procedures. Confidential and/or proprietary information includes, but is not limited to, any trade secrets, processes, formulas, data,
<FONT STYLE="white-space:nowrap">know-how,</FONT> inventions, improvements, techniques, training methods, business management methods, financial data, technical data and documentation, contracts, strategic planning, product/service specifications,
communication systems, marketing plans, forecasts, customer and supplier lists and contacts, price and cost lists, prototypes, computer programs, databases, drawings, models, marketing data, projections, client and employee information, books,
records, accounts, data processing information, or any document in any form in Employee&#146;s possession which refers or relates to RGA&#146;s business and affairs. Confidential and proprietary information shall not include information that was,
is, or becomes generally available to the public through no fault of the employee. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) Nothing in this Agreement is
intended to interfere with or prohibit Employee from reporting to or participating in an investigation with any federal, state or local government agency about a possible violation of law, from recovering any award offered by such agency associated
with such investigation, or from making other disclosures protected by applicable whistleblower statutes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The provisions of this Section&nbsp;5(h) shall
survive the termination of Employee&#146;s employment with the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <U>Tax Withholding</U>. Employee must pay, or make
arrangements acceptable to the Company for the payment of any and all federal, state and local tax withholding that in the opinion of the Company is required by law. Unless Employee satisfies any such tax withholding obligation by paying the amount
in cash or by check, the Company will withhold shares of Common Stock having a Fair Market Value on the date of withholding equal to the tax withholding obligation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) <U>Copy of Plan</U>. By signing this Agreement, Employee acknowledges receipt of a copy of the Plan and any offering circular related to
the Plan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) <U>Choice of Law; Venue</U>. This Agreement will be governed by the laws of the State of Missouri, without giving regard to
the conflict of law provisions thereof. Any legal action arising out of this Agreement may only be brought in the Circuit Court in St. Louis County and/or the United States District Court in St. Louis, Missouri. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) <U>Execution</U>. An authorized representative of the Company has signed this Agreement, and Employee has signed this Agreement to
evidence Employee&#146;s acceptance of the award on the terms specified in this Agreement and the Plan, all as of the Date of Grant. </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"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) <U>Section</U><U></U><U>&nbsp;409A</U>. This Agreement is intended to comply with
Section&nbsp;409A of the Code or an exemption thereunder and shall be construed and interpreted in a manner that is consistent with the requirements for avoiding additional taxes or penalties under Section&nbsp;409A of the Code. Notwithstanding the
foregoing, the Company makes no representations that the payments and benefits provided under this Agreement comply with Section&nbsp;409A of the Code and in no event shall the Company be liable for all or any portion of any taxes, penalties,
interest or other expenses that may be incurred by Employee on account of <FONT STYLE="white-space:nowrap">non-compliance</FONT> with Section&nbsp;409A of the Code. Notwithstanding anything herein to the contrary, if Employee is determined to be a
specified employee within the meaning of Section&nbsp;409A of the Code, any payment on account of termination of employment shall be made on the first payroll date which is more than six months following the date of Employee&#146;s termination of
employment to the extent required to avoid any adverse tax consequences under Section&nbsp;409A of the Code. To the extent necessary for compliance with Code Section&nbsp;409A, references to termination of employment under this Agreement shall mean
a &#147;separation from service&#148; within the meaning of Section&nbsp;409A of the Code. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION 6 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>TERMS OF THE PLAN </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This award is granted under and is expressly subject to all the terms and provisions of the Plan, which terms are incorporated herein by
reference. The Plan and this Agreement are administered by the Committee. Any determination under the Plan or this Agreement made by the Committee shall be at the Committee&#146;s sole discretion. Capitalized terms used and not otherwise defined in
this Agreement shall have the same meanings ascribed to them in the Plan. </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">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<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">IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of this 24th day of July, 2024. </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"><B>Reinsurance Group of America, Incorporated</B></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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Tony Cheng</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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tony Cheng</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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">President and Chief Executive Officer</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"><B>Employee</B></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" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Axel Andr&eacute;</P></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">Name: Axel Andr&eacute;</P></TD></TR>
</TABLE></DIV>
 <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>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>6
<FILENAME>rga-20240805.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:20231012.2 -->
<!-- Creation date: 8/5/2024 9:43:51 AM Eastern Time -->
<!-- Copyright (c) 2024 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/2023"
  xmlns:rga="http://www.rgare.com/20240805"
  xmlns:dei="http://xbrl.sec.gov/dei/2023"
  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/2023"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.rgare.com/20240805"
  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/2023/dei-2023.xsd" namespace="http://xbrl.sec.gov/dei/2023" />
    <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/2023/naics-2023.xsd" namespace="http://xbrl.sec.gov/naics/2023" />
    <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/2023/elts/us-gaap-2023.xsd" namespace="http://fasb.org/us-gaap/2023" />
    <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd" namespace="http://fasb.org/us-types/2023" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="rga-20240805_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-20240805_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-20240805_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//20240805/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_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" name="M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member" name="M7.125FixedRateResetSubordinatedDebenturesDue20521Member" 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-20240805_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:20231012.2 -->
<!-- Creation date: 8/5/2024 9:43:53 AM Eastern Time -->
<!-- Copyright (c) 2024 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//20240805/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="rga-20240805.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="rga-20240805.xsd#rga_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="rga-20240805.xsd#rga_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="rga_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:loc xlink:href="rga-20240805.xsd#rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" xlink:type="locator" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" />
    <link:loc xlink:href="rga-20240805.xsd#rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member" xlink:type="locator" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="us-gaap_CommonStockMember" 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_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" 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_M7.125FixedRateResetSubordinatedDebenturesDue20521Member" 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="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_DocumentPeriodEndDate" 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_EntityIncorporationStateCountryCode" 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_EntityFileNumber" 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_EntityTaxIdentificationNumber" 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_EntityAddressAddressLine1" 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_EntityAddressCityOrTown" 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_EntityAddressStateOrProvince" 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_EntityAddressPostalZipCode" 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_CityAreaCode" 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_LocalPhoneNumber" 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_WrittenCommunications" 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_SolicitingMaterial" 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_PreCommencementTenderOffer" 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_PreCommencementIssuerTenderOffer" 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_Security12bTitle" 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_TradingSymbol" 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_SecurityExchangeName" order="51.001" 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="52.001" priority="2" use="optional" />
  </link:definitionLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>8
<FILENAME>rga-20240805_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:20231012.2 -->
<!-- Creation date: 8/5/2024 9:43:51 AM Eastern Time -->
<!-- Copyright (c) 2024 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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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-20240805.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-20240805.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/2023/elts/us-gaap-2023.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/2023/elts/us-gaap-2023.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="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Common Stock [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Common Stock [Member]</link:label>
    <link:loc xlink:href="rga-20240805.xsd#rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" xlink:type="locator" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" xlink:to="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">M 5.75 Fixed To Floating Rate Subordinated Debentures Due 20562 [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">M 5.75 Fixed To Floating Rate Subordinated Debentures Due 20562 [Member]</link:label>
    <link:loc xlink:href="rga-20240805.xsd#rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member" xlink:type="locator" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member" xlink:to="rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member_lbl" />
    <link:label xml:lang="en-US" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">M 7.125 Fixed Rate Reset Subordinated Debentures Due 20521 [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">M 7.125 Fixed Rate Reset Subordinated Debentures Due 20521 [Member]</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>9
<FILENAME>rga-20240805_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:20231012.2 -->
<!-- Creation date: 8/5/2024 9:43:51 AM Eastern Time -->
<!-- Copyright (c) 2024 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//20240805/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="rga-20240805.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="rga-20240805.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-20240805.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/2023/elts/us-gaap-2023.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/2023/elts/us-gaap-2023.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="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="24" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="rga-20240805.xsd#rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" xlink:type="locator" xlink:label="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member" order="25" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="rga-20240805.xsd#rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member" xlink:type="locator" xlink:label="rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member" order="26" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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/2023/dei-2023.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="34.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="44.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="46.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="47.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="48.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="49.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="50.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="51.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.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="52.001" 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>g859356g0803094757632.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g859356g0803094757632.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  U #4# 2(  A$! Q$!_\0
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HZYQBO*J**>*BHU-"<AKU*V#3J.[3M\D%%%%<Y[(4444 %%%% '__V0$!

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;">v3.24.2.u1</span><table class="report" border="0" cellspacing="2" id="idm140374387854576">
<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>Aug. 05, 2024</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">Aug.  05,  2024<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=us-gaap_CommonStockMember', window );">Common Stock [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_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member', window );">M 5.75 Fixed To Floating Rate Subordinated Debentures Due 20562 [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_M7.125FixedRateResetSubordinatedDebenturesDue20521Member', window );">M 7.125 Fixed Rate Reset Subordinated Debentures Due 20521 [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=us-gaap_CommonStockMember">
<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=us-gaap_CommonStockMember</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_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member">
<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_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member</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_M7.125FixedRateResetSubordinatedDebenturesDue20521Member">
<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_M7.125FixedRateResetSubordinatedDebenturesDue20521Member</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>EXCEL
<SEQUENCE>13
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M=]W3CHG&K=!X#;[Q3X?#KHG&J]!TZVDF)_VN:Z3I%FA"1N/K>A(5M>5 TR
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M!Z.:60F]A%9JGZJ'-#ZH'C(*!?&Y'C[E>G@*-Y;&O%"N@GL!_]':-\*K^(+
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MU4#E/]O4#6CV#30<D05>,9FV-J/D3@H\W/[O#;#"Q([A[8N_ 5!+ P04
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M7CI#^O;*\\V \HH_8K'-]XZ)>92%E%_-R22Z=%Q#)!(1:B/!X<^#&(DD,4K
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M#RP/9'I;K?%NXQ/R^AQ@/7UM0K"=XI.([12O-2#QNH%'GL>[C>4!#ZP+V.Q
M_G@>F*FX3YI"5S%NV G&D3S'$)C%^(QF&5*=##[Q_F"G)$WS/(X %F>0IA@"
MIQ%', ;  4/2='@//GL?)=-[*CG_5U/\!%!+ P04    " !;2 59EXJ[',
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M!5D<.&7J/P$  #P"   /    >&PO=V]R:V)O;VLN>&ULC5'+;L) #/R5U7Y
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M%0:P;W(@"2[)E1M27>EYIK=WDWM)J'7N0;#W\!J-'<V/'[?\ 5!+ P04
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MUDX:?^:+X3]>?P%02P$"% ,4    " !;2 59!T%-8H$   "Q    $
M        @ $     9&]C4')O<',O87!P+GAM;%!+ 0(4 Q0    ( %M(!5E=
M)+FR[P   "L"   1              "  :\   !D;V-0<F]P<R]C;W)E+GAM
M;%!+ 0(4 Q0    ( %M(!5F97)PC$ 8  )PG   3              "  <T!
M  !X;"]T:&5M92]T:&5M93$N>&UL4$L! A0#%     @ 6T@%6>Z?&)!2!0
M!QD  !@              ("!#@@  'AL+W=O<FMS:&5E=',O<VAE970Q+GAM
M;%!+ 0(4 Q0    ( %M(!5F?H!OPL0(  .(,   -              "  98-
M  !X;"]S='EL97,N>&UL4$L! A0#%     @ 6T@%69>*NQS     $P(   L
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64$L%!@     )  D /@(  /84      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<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>15
<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>3.24.2.u1</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="d859356d8k.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//20240805/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" isOnlyDei="true" isUsgaap="true" original="d859356d8k.htm">d859356d8k.htm</File>
    <File>rga-20240805.xsd</File>
    <File>rga-20240805_def.xml</File>
    <File>rga-20240805_lab.xml</File>
    <File>rga-20240805_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="28">http://xbrl.sec.gov/dei/2023</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>
{
 "version": "2.2",
 "instance": {
  "d859356d8k.htm": {
   "nsprefix": "rga",
   "nsuri": "http://www.rgare.com/20240805",
   "dts": {
    "inline": {
     "local": [
      "d859356d8k.htm"
     ]
    },
    "schema": {
     "local": [
      "rga-20240805.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://www.xbrl.org/dtr/type/2022-03-31/types.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-roles-2023.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-roles-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd",
      "https://xbrl.sec.gov/country/2023/country-2023.xsd",
      "https://xbrl.sec.gov/dei/2023/dei-2023.xsd",
      "https://xbrl.sec.gov/naics/2023/naics-2023.xsd"
     ]
    },
    "definitionLink": {
     "local": [
      "rga-20240805_def.xml"
     ]
    },
    "labelLink": {
     "local": [
      "rga-20240805_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "rga-20240805_pre.xml"
     ]
    }
   },
   "keyStandard": 22,
   "keyCustom": 0,
   "axisStandard": 1,
   "axisCustom": 0,
   "memberStandard": 1,
   "memberCustom": 2,
   "hidden": {
    "total": 3,
    "http://xbrl.sec.gov/dei/2023": 3
   },
   "contextCount": 4,
   "entityCount": 1,
   "segmentCount": 3,
   "elementCount": 30,
   "unitCount": 0,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2023": 28
   },
   "report": {
    "R1": {
     "role": "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation",
     "longName": "100000 - Document - Document and Entity Information",
     "shortName": "Document and Entity Information",
     "isDefault": "true",
     "groupType": "document",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "1",
     "firstAnchor": {
      "contextRef": "duration_2024-08-05_to_2024-08-05",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d859356d8k.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "duration_2024-08-05_to_2024-08-05",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "p",
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "d859356d8k.htm",
      "first": true,
      "unique": true
     }
    }
   },
   "tag": {
    "dei_AmendmentFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "AmendmentFlag",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag",
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission."
       }
      }
     },
     "auth_ref": []
    },
    "dei_CityAreaCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CityAreaCode",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "City Area Code",
        "terseLabel": "City Area Code",
        "documentation": "Area code of city"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ClassOfStockDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ClassOfStockDomain",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Domain]",
        "terseLabel": "Class of Stock [Domain]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CommonStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonStockMember",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Common Stock [Member]",
        "terseLabel": "Common Stock [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_CoverAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CoverAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]",
        "documentation": "Cover page."
       }
      }
     },
     "auth_ref": []
    },
    "rga_DocumentAndEntityInformationLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.rgare.com/20240805",
     "localname": "DocumentAndEntityInformationLineItems",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Line Items]",
        "terseLabel": "Document And Entity Information [Line Items]"
       }
      }
     },
     "auth_ref": []
    },
    "rga_DocumentAndEntityInformationTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.rgare.com/20240805",
     "localname": "DocumentAndEntityInformationTable",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document And Entity Information [Table]",
        "terseLabel": "Document And Entity Information [Table]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentPeriodEndDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentPeriodEndDate",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date",
        "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentType": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentType",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Type",
        "terseLabel": "Document Type",
        "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'."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine1": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressAddressLine1",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One",
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressCityOrTown": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressCityOrTown",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town",
        "documentation": "Name of the City or Town"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressPostalZipCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressPostalZipCode",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code",
        "documentation": "Code for the postal or zip code"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressStateOrProvince": {
     "xbrltype": "stateOrProvinceItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressStateOrProvince",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province",
        "documentation": "Name of the state or province."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityCentralIndexKey": {
     "xbrltype": "centralIndexKeyItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key",
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityEmergingGrowthCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityEmergingGrowthCompany",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company",
        "documentation": "Indicate if registrant meets the emerging growth company criteria."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityFileNumber": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityFileNumber",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity File Number",
        "terseLabel": "Entity File Number",
        "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."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityIncorporationStateCountryCode": {
     "xbrltype": "edgarStateCountryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityIncorporationStateCountryCode",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code",
        "documentation": "Two-character EDGAR code representing the state or country of incorporation."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityRegistrantName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name",
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityTaxIdentificationNumber": {
     "xbrltype": "employerIdItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityTaxIdentificationNumber",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number",
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_LocalPhoneNumber": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "LocalPhoneNumber",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number",
        "documentation": "Local phone number for entity."
       }
      }
     },
     "auth_ref": []
    },
    "rga_M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.rgare.com/20240805",
     "localname": "M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "M 5.75 Fixed To Floating Rate Subordinated Debentures Due 20562 [Member]",
        "terseLabel": "M 5.75 Fixed To Floating Rate Subordinated Debentures Due 20562 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "rga_M7.125FixedRateResetSubordinatedDebenturesDue20521Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.rgare.com/20240805",
     "localname": "M7.125FixedRateResetSubordinatedDebenturesDue20521Member",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "M 7.125 Fixed Rate Reset Subordinated Debentures Due 20521 [Member]",
        "terseLabel": "M 7.125 Fixed Rate Reset Subordinated Debentures Due 20521 [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementIssuerTenderOffer",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer",
        "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."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "dei_PreCommencementTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementTenderOffer",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer",
        "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."
       }
      }
     },
     "auth_ref": [
      "r4"
     ]
    },
    "dei_Security12bTitle": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "Security12bTitle",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title",
        "documentation": "Title of a 12(b) registered security."
       }
      }
     },
     "auth_ref": [
      "r0"
     ]
    },
    "dei_SecurityExchangeName": {
     "xbrltype": "edgarExchangeCodeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SecurityExchangeName",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name",
        "documentation": "Name of the Exchange on which a security is registered."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_SolicitingMaterial": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SolicitingMaterial",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material",
        "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."
       }
      }
     },
     "auth_ref": [
      "r5"
     ]
    },
    "us-gaap_StatementClassOfStockAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StatementClassOfStockAxis",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class of Stock [Axis]",
        "terseLabel": "Class of Stock [Axis]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_TradingSymbol": {
     "xbrltype": "tradingSymbolItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "TradingSymbol",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol",
        "documentation": "Trading symbol of an instrument as listed on an exchange."
       }
      }
     },
     "auth_ref": []
    },
    "dei_WrittenCommunications": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "WrittenCommunications",
     "presentation": [
      "http://www.rgare.com//20240805/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Written Communications",
        "terseLabel": "Written Communications",
        "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."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    }
   }
  }
 },
 "std_ref": {
  "r0": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r2": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r3": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r4": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r5": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Section": "14a",
   "Number": "240",
   "Subsection": "12"
  },
  "r6": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "425"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>21
<FILENAME>0001193125-24-193427-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-24-193427-xbrl.zip
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M?P,W3UOEO-S>VO_[S_R_EGC7[_EGKUJ[G<YW50?IQ!OXWNC_7(.+,\#AX%1
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M83H(5)IQFDL9YK3H$M7"\''Y$GM3)983.Z#$?;HJ.J>E84)M*5]P,6-#2J0
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MYQSF6#8)3/'<7=;F\AW-P?=UET+^%9OZC1/#&$9':XS_J IN[:T#2O-:JH#
MK,-M6RHN:'T$]G!1*T2WLSX!%[6MFR;-3OS-$]2J2MMI$@JWC/5MABD.=./W
M;&R#$->UNIT[*EL72;P+Y@%B>Q//F>I68U]5#=\ XQ7G4\C%T9[[O0:)<28R
MYM9 [H0QNH]I.Q<6\L!F@'Z^5[5.D@EJU.3M.YVK"B&W1_?NR8V>*MM<+[N=
M=2!U&QAMH&@VWKA^/!/P50LRQY\.:(L:GNWXN%)U,--8 ?SM7$P_QY&[X\7*
MO5A]A. 9 H(TN<7J >;_($A9K)8]6[]HZM +NXO+(/U?!N87*RC_E]U$R!AM
MM<>YVN0A:7.U#?-6FK:J0)& D=4=WB3.WB9O]/'2(O^K@!KM&'CX_FM&\/FS
M$2&[MWYE3XF_=6YEM,8.[!3]<Y'7'#SOI<-C B3KK_3S(.)3#D2$]$((DW":
M+D[**]"2*HF95X?H=CQRJ.O=9(Q3GT\K))NS 'C:E"UZ_*? #RS+1(+Y-@RB
M ,9R*4S28K6B8MYEXM#MUO<"'Y,9A\<F3C)&G6T#O4PKVMK?V+?8[9CS#,PM
M]>;!(8=W#Q8XGG1-ZK**UF:' VYMP[I.DKF8]<I1ZK, &03R%X'JT(/5SC0<
M_49!>%IMBS3!JT4+[8AX'00]9@=OH$DJR-#D*C+S"A/'TAI)'4Z[0GF;0^_]
M],/S_5^>OOAF0<##[R#@9]AR=:8H5+'6Z*5S)R RIJ72CQJFV/NX6BZT+?G8
M4E$;K^:@*';Q7^!O938(VIH6A3;8@&2]5S->:%]91RGTR6WAH6X!]D0_;DQK
M91\ANNH/I/FFF..L57V&M3H[V56\L<$%_Y9JLP$=)E+!)(RF151.LG4MMHP0
MU*5)KLV)*]AC0.439JB#%UIWRG#BW#SBQ;T4S$V8E!-JF#7.EQO+_$*W3[VW
M8*YGMM<8'1F*EFH6HRFD>$MZ^^=M W1[*F+73YDJ515$]7B+J+;YL"> 30HL
MP+*@SG>[Q61:#[HK4VFQ)4B[3?\ VWXP_9N(J10I)N.LY!%.9:JQ6G8- 6*
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M*U(OS?7X%L$-B9"BWD[+$(E5/]@N=DL^$1>I71F'(BY1,>:4KY_,MI-:++9
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M%TZ<KLS_<W9^3Z__T?3ROQUU\Q]02P,$%     @ 6T@%66NH'F$I"   S%H
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MA@L>>['/O1#N"L&_PF7L#^ D#.&32DNDRH2);RP8Y*@AC_^>J!\SI1U^_ %
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M<?9B$.M5:P6P.Z(LW-;+P"T,%7,L9YDG/3]88+S:CA= E;1'_ATX\@-W$TT
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M2P$"% ,4    " !;2 59+NO-GOP0  !C/P  $0              @ %!%
M9#@U.3,U-F1E>#$P,2YH=&U02P$"% ,4    " !;2 597*F?A(H=  !F@@
M$0              @ %L)0  9#@U.3,U-F1E>#$P,BYH=&U02P$"% ,4
M" !;2 59%80+*V<:  !%<@  $0              @ $E0P  9#@U.3,U-F1E
M>#$P,RYH=&U02P$"% ,4    " !;2 59Z0HJ<5T:  !W<@  $0
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F,C R-# X,#5?<')E+GAM;%!+!08     "0 ) #P"   BD0     !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>22
<FILENAME>d859356d8k_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/2023"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:rga="http://www.rgare.com/20240805"
  xmlns:us-gaap="http://fasb.org/us-gaap/2023"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="rga-20240805.xsd" xlink:type="simple"/>
    <context id="duration_2024-08-05_to_2024-08-05">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
        </entity>
        <period>
            <startDate>2024-08-05</startDate>
            <endDate>2024-08-05</endDate>
        </period>
    </context>
    <context id="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-08-05</startDate>
            <endDate>2024-08-05</endDate>
        </period>
    </context>
    <context id="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-08-05</startDate>
            <endDate>2024-08-05</endDate>
        </period>
    </context>
    <context id="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue20521Member">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000898174</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">rga:M7.125FixedRateResetSubordinatedDebenturesDue20521Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-08-05</startDate>
            <endDate>2024-08-05</endDate>
        </period>
    </context>
    <dei:EntityRegistrantName
      contextRef="duration_2024-08-05_to_2024-08-05"
      id="Hidden_dei_EntityRegistrantName">REINSURANCE GROUP OF AMERICA INC</dei:EntityRegistrantName>
    <dei:AmendmentFlag contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-277">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2024-08-05_to_2024-08-05"
      id="Hidden_dei_EntityCentralIndexKey">0000898174</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-312">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-313">2024-08-05</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-314">MO</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-315">1-11848</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-316">43-1627032</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-317">16600 Swingley Ridge Road</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-318">Chesterfield</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-319">MO</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-320">63017</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-321">(636)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-322">736-7000</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-323">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-324">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-325">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-326">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle
      contextRef="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"
      id="ixv-327">Common Stock, par value $0.01</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"
      id="ixv-328">RGA</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember"
      id="ixv-329">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle
      contextRef="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member"
      id="ixv-330">5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member"
      id="ixv-331">RZB</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M5.75FixedToFloatingRateSubordinatedDebenturesDue20562Member"
      id="ixv-332">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle
      contextRef="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue20521Member"
      id="ixv-333">7.125% Fixed-Rate Reset Subordinated Debentures due 2052</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue20521Member"
      id="ixv-334">RZC</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="duration_2024-08-05_to_2024-08-05_us-gaap-StatementClassOfStockAxis_rga-M7.125FixedRateResetSubordinatedDebenturesDue20521Member"
      id="ixv-335">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2024-08-05_to_2024-08-05" id="ixv-336">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
