REINSURANCE GROUP OF AMERICA INC
For the period ended Dec 31, 2023. Filed Feb 26, 2024.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2023 · Filed Feb 26, 2024
RGA$261.90-0.0%Stored close · as of Nov 6, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Glossary of Selected Terms
Throughout this Annual Report on Form 10-K, the Company may use certain abbreviations, acronyms and terms which are defined below.
Entities
| Term or Acronym | Definition |
|---|---|
| RGA Reinsurance | RGA Reinsurance Company |
| Parkway Re | Parkway Reinsurance Company |
| Rockwood Re | Rockwood Reinsurance Company |
| Castlewood Re | Castlewood Reinsurance Company |
| Chesterfield Re | Chesterfield Reinsurance Company |
| RGA Life and Annuity | RGA Life and Annuity Insurance Company |
| RGA Canada | RGA Life Reinsurance Company of Canada |
| RGA Barbados | RGA Reinsurance Company (Barbados) Ltd. |
| RGA Americas | RGA Americas Reinsurance Company, Ltd. |
| Manor Re | Manor Reinsurance, Ltd. |
| RGA Atlantic | RGA Atlantic Reinsurance Company Ltd. |
| RGA Worldwide | RGA Worldwide Reinsurance Company, Ltd. |
| RGA Global | RGA Global Reinsurance Company, Ltd. |
| RGA Australia | RGA Reinsurance Company of Australia Limited |
| RGA International | RGA International Reinsurance Company dac |
| Aurora National | Aurora National Life Assurance Company |
| Omnilife | Omnilife Insurance Company, Limited |
| Papara | Papara Financing LLC |
Certain Terms and Acronyms
| Term or Acronym | Definition |
|---|---|
| A.M. Best | A.M. Best Company |
| ABS | Asset-backed securities |
| Actuary | A specialist in the mathematics of risk, especially as it relates to insurance calculations such as premiums, reserves, dividends, insurance rates and annuity rates. |
| Allowance | An amount paid by the reinsurer to the ceding company to help cover the ceding company's acquisition and other costs, especially commissions. Allowances are usually calculated as a large percentage (often 100%) of first-year premiums reinsured and smaller percentages of renewal premiums reinsured. |
| AOCI | Accumulated other comprehensive income (loss) |
| Asset-Intensive Reinsurance | A transaction (usually coinsurance or funds withheld and often involving reinsurance of annuities) where performance of the underlying assets, more so than any mortality risk, is a key element. |
| Assumed reinsurance | Insurance risk that a reinsurer accepts (assumes) from a ceding company. |
| ASU | Accounting Standards Update |
| ASU 2018-12 | Accounting Standards Update Financial Services – Insurance (Topic 944):Targeted Improvements to the Accounting for Long-Duration Contracts |
| Automatic Reinsurance | Reinsurance arrangement whereby the ceding company and reinsurer agree that all business of a certain description will be ceded to the reinsurer. Under this arrangement, the ceding company performs underwriting decision-making within agreed-upon parameters for all business reinsured. |
| Bermuda Insurance Act | Bermuda's Insurance Act 1978 which distinguishes between insurers carrying on long-term business, insurers carrying on special purpose business and insurers carrying on general business. |
| BMA | Bermuda Monetary Authority |
| BSCR | Bermuda Solvency Capital Requirement |
| CCPA | California Consumer Privacy Act of 2018 |
| Capital-motivated reinsurance | Reinsurance, including financial reinsurance, whose primary purpose is to enhance the cedant's capital position. |
| Captive insurer | An insurance or reinsurance entity designed to provide insurance or reinsurance coverage for risks of the entity or entities by which it is owned or to which it is affiliated. |
| CECL | Accounting for current expected credit losses using the model based on expected losses rather than incurred losses. |
| Ceding company (also known as cedant) | An insurer that transfers, or cedes, risk to a reinsurer |
| CEO | RGA’s Chief Executive Officer |
| Cession | The insurance risk associated with a policy that is reinsured from an insurer to a reinsurer. |
| CFO | RGA’s Chief Financial Officer |
| CIO | Chief Information Officer |
|---|---|
| CISO | RGA’s Global Chief Information Security and Privacy officer |
| CLOs | Collateralized loan obligations |
| CMBS | Commercial mortgage-backed securities, a part of our investment portfolio that consists of securities made up of commercial mortgages. Stated on our balance sheet at fair value. |
| Coinsurance (also known as original terms reinsurance) | A form of reinsurance under which the ceding company shares its premiums, death claims, surrender benefits, dividends and policy loans with the reinsurer, and the reinsurer pays expense allowances to reimburse the ceding company for a share of its expenses. |
| Coinsurance funds-withheld | A variant on coinsurance, in which the ceding company withholds assets equal to reserves and shares investment income on those assets with the reinsurer. |
| Counterparty | A party to a contract requiring or offering the exchange of risk. |
| Counterparty risk | The risk that a party to an agreement will be unable to fulfill its contractual obligations |
| CPI | Consumer price index |
| Critical illness (CI) insurance (also known as dread disease insurance) | Insurance that provides a guaranteed fixed sum upon diagnosis of a specified illness or condition such as cancer, heart disease, or permanent total disability. The coverage can be offered on a stand-alone basis or as an add-on to a life insurance policy. |
| CRO | RGA’s Chief Risk Officer |
| CVA | Credit valuation adjustment |
| DAC | Deferred policy acquisition costs: Costs of acquiring new business, which vary with and are directly related to the production of new business, have been deferred to the extent that such costs are deemed recoverable from future premiums or gross profits. |
| “Directors Plan” | Flexible Stock Plan for Directors |
| EBITDA | Earnings before interest, taxes, depreciation and amortization |
| EBS | Economic balance sheet framework as part of the Bermuda Solvency Capital Requirement that forms the basis for an insurer's enhanced capital requirements. |
| ECR | Enhanced capital requirement in accordance with the provisions of the Bermuda Insurance Act. |
| EEA | European Economic Area |
| EIAs | Equity-Indexed Annuities |
| EMEA | Europe, Middle East and Africa geographic segment |
| Enterprise Risk Management (ERM) | An enterprise-wide framework used by a firm to assess all risks facing the organization, manage mitigation strategies, monitor ongoing risks and report to interested audiences. |
| ESG | Environmental, social, and governance |
| EU | European Union |
| Expected mortality | Number of deaths predicted to occur in a defined group of people. |
| FABN | Funding Agreement Backed Notes |
| Face amount | Amount payable at the death of the insured or at the maturity of the policy. |
| Facultative reinsurance | A type of reinsurance in which the reinsurer underwrites an individual risk submitted by the ceding company for a risk that is unusual, large, highly substandard or not covered by an automatic reinsurance treaty. Such risks are typically submitted to multiple reinsurers for competitive offers. |
| FASB | Financial Accounting Standards Board |
| FCA | Financial Conduct Authority |
| FHLB | Federal Home Loan Bank |
| FIA | Fixed indexed annuities |
| Financial reinsurance (also known as financially-motivated reinsurance) | A form of capital-motivated reinsurance that satisfies all regulatory requirements for risk transfer and is often designed to produce very predictable reinsurer profits as a percentage of the capital provided. |
| FSB | Financial Stability Board which consists of representatives of national financial authorities of the G20 nations. |
| FVO | Fair value option |
| GAAP | U.S. generally accepted accounting principles |
| GDPR | General Data Protection Regulation which establishes uniform data privacy laws across the European Union. |
| GICs | Guaranteed investment contracts |
| GILTI | Global intangible low-taxed income; a provision of U.S. Tax Reform that generally eliminates U.S. Federal income tax deferral on earnings of foreign subsidiaries. |
| GloBE | Model Global Anti-Base Erosion rules developed by the Organization for Economic Cooperation and Development |
| GMAB | Guaranteed minimum accumulation benefits; a feature of some variable annuities that the Company reinsures |
| GMDB | Guaranteed minimum death benefits; a feature of some variable annuities that the Company reinsures |
| GMIB | Guaranteed minimum income benefits; a feature of some variable annuities that the Company reinsures |
| GMWB | Guaranteed minimum withdrawal benefits; a feature of some variable annuities that the Company reinsures |
| Group life insurance | Insurance policy under which the lives of a group of people, most commonly employees of a single company, are insured in accordance with the terms of one master contract. |
| Guaranteed issue life insurance | Insurance products that are guaranteed upon application, regardless of past health conditions. |
| IAIG | Internationally Active Insurance Group |
| IAIS | International Association of Insurance Supervisors |
| IBNR | Incurred but not reported; a liability on claims that are based on historical reporting patterns, but have not yet been reported. |
|---|---|
| IFRS (International Financial Reporting Standards) | Standards and interpretations adopted by the International Accounting Standards Board (IASB) |
| Individual life insurance | An insurance policy that insures the life of usually one and sometimes two or more related individuals, rather than a group of people. |
| In-force sum insured | A measure of insurance in effect at a specific date. |
| Initial public offering (IPO) | The first sale to the public of shares of common stock issued by a private company. IPOs often are issued by smaller companies seeking the capital to expand, but they also can be used by large mutual or privately owned companies seeking to become publicly traded. |
| ISO | International Organization Standardization |
| Liquidity position | Combination of the company's cash, cash equivalents, and short-term investments |
| Longevity product | An insurance product that mitigates longevity risk by providing a stream of income for the duration of the policyholder's life. |
| Loss ratio | Claims and other policy benefits and Future policy benefits remeasurement (gains) losses as a percentage of net premiums |
| Market risk benefits | Contracts or contract features that provide protection to the policyholder from capital market risk and expose the Company to other-than-nominal capital market risk and are measured at fair value |
| MDCI | Missouri Department of Commerce and Insurance |
| MMS | Minimum margin of solvency required to be maintained by the Company's Bermuda subsidiaries. |
| Modco | Modified coinsurance |
| Modified coinsurance | A variant on coinsurance in which the ceding company retains all the reserves, as well as assets backing reserves, and pays the reinsurer interest on the reinsurer's share of the reserves. |
| Moody’s | Moody’s Investors Service |
| Morbidity | A measure of the incidence of sickness or disease within a specific population group. |
| Mortality experience | Actual number of deaths occurring in a defined group of people. |
| Mortality risk reinsurance | Reinsurance that focuses primarily on transfer of mortality risk through coinsurance of term products or YRT. |
| NAIC | National Association of Insurance Commissioners |
| NAIC SAP | NAIC statutory accounting practices |
| NAV | Net asset value |
| Net Premium Ratio (NPR) | The NPR equals the present value of benefits divided by the present value of gross premiums |
| NIFO | Net investments in foreign operations |
| NIST | National Institute of Standards and Technology |
| NOL | Net operating loss |
| Non-traditional reinsurance | Usually synonymous with capital-motivated reinsurance, but includes any reinsurance of non-biometrical risks |
| Novation | The act of replacing one participating member of a contract with another, with all rights, duties and terms being transferred to the new party upon consent of all parties affected. |
| NYSE | New York Stock Exchange: the exchange where RGA is traded under the symbol "RGA" |
| OAS | Option-adjusted spread |
| OCI | Other comprehensive income (loss) |
| OTC | Derivatives that are privately negotiated contracts, which are known as over-the-counter derivatives |
| OTC Cleared | OTC derivatives that are cleared and settled through central clearing counterparties. |
| PBR | Principles-based reserves |
| PCAOB | Public Company Accounting Oversight Board (United States) |
| PCS | Performance Contingent Shares |
| Pension Plans | The Company's sponsored or administrated qualified and non-qualified defined benefit pension plans |
| Portfolio | The totality of risks assumed by an insurer or reinsurer. |
| Preferred risk coverage | Coverage designed for applicants who represent a better-than-average risk to an insurer. |
| Premium | Amount paid to insure a risk. |
| Primary insurance (also known as direct insurance) | Insurance business relating to contracts directly between insurers and policyholders. The insurance company is directly responsible to the policyholder. |
| Production | New business produced during a specified period. |
| PRT | Pension Risk Transfer |
| PSU | Performance Share Units |
| Quota share (also known as 'first dollar' quota share) | A reinsurance arrangement in which the reinsurer receives a certain percentage of each risk reinsured. |
| RBC | Risk-Based Capital, which are guidelines promulgated by the NAIC and identify minimum capital requirements based upon business levels and asset mix. |
| Recapture | The right of the ceding company to cancel reinsurance under certain conditions. |
| Regulation XXX/Regulation A-XXX | U.S. Valuation of Life Policies Model Regulation implemented beginning in 2002 for various types of life insurance business, significantly increased the level of reserves that U.S. life insurance and life reinsurance companies must hold on their statutory financial statements for various types of life insurance business, primarily certain level premium term life products. |
|---|---|
| Reinsurance | The transfer of insurance risk from an insurer, referred to as the ceding company, to a reinsurer, in conjunction with the payment of a reinsurance premium. Through reinsurance, a reinsurer 'insures' an insurer. |
| Reserves | The amount required to be carried as a liability in the financial statement of an insurer or reinsurer to provide for future commitments under outstanding policies and contracts. |
| Retakaful | A form of reinsurance that is acceptable within Islamic law. See Takaful. |
| Retention limit | The maximum amount of risk a company will insure on one life. |
| Retrocession | A transfer of reinsurance risk from a reinsurer to another reinsurer, referred to as the retrocessionaire, in conjunction with the payment of a retrocession premium. Through retrocession, a retrocessionaire reinsures a reinsurer. |
| Retrocessionaire | A reinsurer that reinsures another reinsurer; see Retrocession. |
| RMBS | Residential mortgage-backed securities, a part of our investment portfolio that consists of securities made up of residential mortgages. Stated on our balance sheet at fair value. |
| RMSC | The Company's Risk Management Steering Committee |
| RSUs | Restricted Stock Units |
| S&P | Standard & Poor's |
| SARs | Stock Appreciation Rights |
| SEC | Securities and Exchange Commission |
| Securitization | The structuring of financial assets as collateral against which securities can be issued to investors. |
| Simplified issue life insurance | Insurance products with limited face amounts that require no or minimal underwriting. |
| SOFR | Secured Overnight Financing Rate |
| SPLRC | Special Purpose Life Reinsurance Captives |
| Statutory capital | The excess of statutory assets over statutory reserves, both of which are calculated in accordance with standards established by insurance regulators. |
| “Stock Plans” | The RGA flexible stock plan and the Flexible Stock Plan for Directors, collectively |
| Takaful | A form of insurance that is acceptable within Islamic law, and that is devised upon the principles of mutual advantage and group security. |
| TDR | Troubled Debt Restructuring |
| Tele-underwriting | A telephone interview process, during which an applicant's qualifications to be insured are assessed. |
| The “County” | The County of St. Louis, Missouri |
| The “Plan” | RGA Flexible Stock Plan |
| The Board | RGA's board of directors |
| The CARES Act | The Coronavirus Aid, Relief, and Economic Security Act |
| The Companies Act | The Bermuda's Companies Act of 1981 |
| The Company | Reinsurance Group of America, Incorporated and its subsidiaries, all of which are wholly owned, collectively |
| Treaty (also known as a contract) | A reinsurance agreement between a reinsurer and a ceding company. The three most common types of reinsurance treaties are YRT (yearly renewable term), coinsurance and modified coinsurance. The three most common methods of accepting reinsurance are automatic, facultative and facultative-obligatory. |
| TVaR | Tail Value-at-Risk used for calculated capital requirement for Bermuda subsidiaries. |
| U.S. Tax Reform | The U.S. Tax Cuts and Jobs Act of 2017 |
| UAE | United Arab Emirates |
| UK | United Kingdom |
| UL | Universal life insurance |
| Underwriting | The process that assesses the risk inherent in an application for insurance prior to acceptance of the policy. |
| Valuation | The periodic calculation of reserves, the funds that insurance companies are required to hold in order satisfy all future insurance obligations. |
| Variable life insurance | A form of whole life insurance under which the death benefit and the cash value of the policy fluctuate according to the performance of an investment fund. Most variable life insurance policies guarantee that the death benefit will not fall below a specified minimum. |
| VII | Variable investment income |
| VOCRA | Value of customer relationships acquired which represents the present value of the expected future profits associated with the expected future business acquired through existing customers of the acquired company or business. |
| VODA | Value of distribution agreements which represents the present value of future profits associated with the expected future business derived from distribution agreements. |
| Webcasts | Presentation of information broadcast over the Internet. |
| WorkWise | The Company's hybrid approach to flexible work arrangements. |
| Yearly Renewable Term (YRT) | A type of reinsurance which covers only mortality risk, with each year's premium based on the current amount of risk. |
SIGNATURES
Pursuant to the requirements of Section 13 or 15 (d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
| Reinsurance Group of America, Incorporated. | |
| By: | /s/ Tony Cheng |
| Tony Cheng | |
| President and Chief Executive Officer |
Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed by the following persons on behalf of the registrant and in the capacities indicated on February 26, 2024.
| Signatures | Title | ||
|---|---|---|---|
| /s/ Stephen T. O’Hearn* | Chair of the Board and Director | ||
| Stephen T. O’Hearn | |||
| /s/ Tony Cheng | President, Chief Executive Officer and | ||
| Tony Cheng | Director | ||
| (Principal Executive Officer) | |||
| /s/ Pina Albo* | Director | ||
| Pina Albo | |||
| /s/ Michele M. Bang* | Director | ||
| Michele M. Bang | |||
| /s/ John J. Gauthier* | Director | ||
| John J. Gauthier | |||
| /s/ Patricia L. Guinn* | Director | ||
| Patricia L. Guinn | |||
| /s/ Hazel M. McNeilage* | Director | ||
| Hazel M. McNeilage | |||
| /s/ George Nichols III* | Director | ||
| George Nichols III | |||
| /s/ Shundrawn Thomas* | Director | ||
| Shundrawn Thomas | |||
| /s/ Khanh T. Tran* | Director | ||
| Khanh T. Tran | |||
| /s/ Steven C. Van Wyk* | Director | ||
| Steven C. Van Wyk | |||
| /s/ Todd C. Larson | Senior Executive Vice President and Chief | ||
| Todd C. Larson | Financial Officer (Principal Financial | ||
| and Accounting Officer) | |||
| * | By: /s/ Todd C. Larson | ||
| Todd C. Larson, Attorney-in-fact | |||
Index to Exhibits
| ExhibitNumber | Description |
| 3.1 | Amended and Restated Articles of Incorporation, effective May 21, 2020, incorporated by reference to Exhibit 3.1(i) to Current Report on Form 8-K filed May 22, 2020 |
| 3.2 | Amended and Restated Bylaws, effective December 20, 2022, incorporated by reference to Exhibit 3.1 to Current Report on Form 8-K filed December 20, 2022 |
| 4.1 | Form of stock certificate for common stock, incorporated by reference to Exhibit 4 to Registration Statement on Form 8-A filed on November 17, 2008 |
| 4.2 | Indenture, dated August 21, 2012, between Reinsurance Group of America, Incorporated (the “Company”) and The Bank of New York Mellon Trust Company, N.A., as Trustee, incorporated by reference to Exhibit 4.1 to Current Report on Form 8-K filed August 21, 2012 |
| 4.3 | Third Supplemental Indenture, dated June 8, 2016, between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee, incorporated by reference to Exhibit 4.2 to Current Report on Form 8-K filed June 8, 2016 |
| 4.4 | Fourth Supplemental Indenture, dated June 8, 2016, between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee, incorporated by reference to Exhibit 4.3 to Current Report on Form 8-K filed June 8, 2016 |
| 4.5 | Fifth Supplemental Indenture, dated May 15, 2019, between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee, incorporated by reference to Exhibit 4.2 to Current Report on Form 8-K filed May 15, 2019 |
| 4.6 | Sixth Supplemental Indenture, dated June 9, 2020, between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee, incorporated by reference to Exhibit 4.2 to Current Report on Form 8-K filed June 9, 2020 |
| 4.7 | Seventh Supplemental Indenture, dated September 23, 2022, between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee, incorporated by reference to Exhibit 4.2 to Current Report on Form 8-K filed September 23, 2022 |
| 4.8 | Eighth Supplemental Indenture, dated June 8, 2023, between the Company and The Bank of New York Mellon Trust Company, N.A., as Trustee, incorporated by reference to Exhibit 4.2 to Current Report on Form 8-K filed June 8, 2023 |
| 4.9 | Form of Junior Subordinated Indenture between the Company and The Bank of New York, as Trustee, incorporated by reference to Exhibit 4.3 to Registration Statement on Form S-3, filed February 9, 2001 |
| 4.10 | Second Supplemental Junior Subordinated Indenture between the Company and The Bank of New York, as Trustee, incorporated by reference to Exhibit 4.2 to Current Report on Form 8-K filed December 9, 2005 |
| 4.11 | Description of securities, incorporated by reference to Exhibit 4.11 to Annual Report on Form 10-K filed February 24, 2023 |
| 10.1 | Credit Agreement, dated March 13, 2023, by and among the Company, Bank of America, N.A., as Administrative Agent, Swing Line Lender and L/C Issuer, the lenders and other parties thereto, incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed March 16, 2023 |
| 10.2 | Letter of Credit Reimbursement Agreement, dated November 13, 2023, by and between the Company and Crédit Agricole Corporate and Investment Bank, incorporated by reference to Exhibit 10.1 of Current Report on Form 8-K filed November 14, 2023 |
| 10.3 | Directors Compensation Summary Sheet* |
| 10.4 | Flexible Stock Plan for Directors, as amended and restated effective May 23, 2017, incorporated by reference to Exhibit 10.11 to Annual Report on Form 10-K filed February 27, 2018* |
| 10.5 | Amendment to the Flexible Stock Plan for Directors, effective May 19, 2021, incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K filed May 20, 2021* |
| 10.6 | RGA Phantom Stock Plan for Directors, as amended and restated effective October 25, 2023* |
| 10.7 | Form of Directors’ Indemnification Agreement, incorporated by reference to Exhibit 10.24 to Annual Report on Form 10-K filed February 27, 2018* |
| 10.8 | Annual Bonus Plan, effective February 21, 2023, incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed February 23, 2023* |
| 10.9 | Flexible Stock Plan, as amended and restated effective May 23, 2017 (“Flexible Stock Plan”), incorporated by reference to Exhibit 10.9 to Annual Report on Form 10-K filed February 27, 2018* |
| 10.10 | Amendment to the Flexible Stock Plan, effective May 19, 2021, incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed May 20, 2021* |
| 10.11 | Form of 2021 Restricted Share Unit Agreement under Flexible Stock Plan, incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K filed March 15, 2021* |
| 10.12 | Form of 2021 Performance Contingent Share Agreement under Flexible Stock Plan, incorporated by reference to Exhibit 10.1 to Quarterly Report on Form 10-Q filed May 7, 2021* |
| 10.13 | Form of 2021 Restricted Stock Unit Agreement under Flexible Stock Plan, incorporated by reference to Exhibit 10.2 to Quarterly Report on Form 10-Q filed May 7, 2021* |
| 10.14 | Form of 2021 Stock Appreciation Right Award Agreement under Flexible Stock Plan, incorporated by reference to Exhibit 10.3 to Quarterly Report on Form 10-Q filed May 7, 2021* |
| 10.15 | Form of 2021 Non-Qualified Stock Option Agreement under Flexible Stock Plan, incorporated by reference to Exhibit 10.4 to Quarterly Report on Form 10-Q filed May 7, 2021* |
| 10.16 | Form of 2022 Performance Contingent Share Arrangement under Flexible Stock Plan, incorporated by reference to Exhibit 10.1 to Quarterly Report on Form 10-Q filed May 6, 2022* |
| 10.17 | Form of 2022 Stock Appreciation Right Award Agreement under Flexible Stock Plan, incorporated by reference to Exhibit 10.2 to Quarterly Report Form 10-Q filed May 6, 2022* |
| 10.18 | Form of 2022 Non-Qualified Stock Option Agreement under Flexible Stock Plan, incorporated by reference to Exhibit 10.3 to Quarterly Report Form 10-Q filed May 6, 2022* |
| 10.19 | Form of 2023 Performance Contingent Share Agreement under Flexible Stock Plan, incorporated by reference to Exhibit 10.2 to Quarterly Report on Form 10-Q filed May 5, 2023* |
| 10.20 | Form of 2023 Stock Appreciation Right Award Agreement under Flexible Stock Plan, incorporated by reference to Exhibit 10.3 to Quarterly Report on Form 10-Q filed May 5, 2023* |
| 10.21 | Form of 2023 Restricted Stock Unit Agreement under Flexible Stock Plan, incorporated by reference to Exhibit 10.4 to Quarterly Report on Form 10-Q filed May 5, 2023* |
| 10.22 | RGA Reinsurance Company Augmented Benefit Plan, as amended, incorporated by reference to Exhibit 10.20 to Annual Report on Form 10-K filed February 27, 2018* |
| 10.23 | RGA Reinsurance Company Executive Deferred Savings Plan, as amended, incorporated by reference to Exhibit 10.21 to Annual Report on Form 10-K filed February 27, 2018* |
| 10.24 | Canadian Supplemental Executive Retirement Plan for Executive Employees of RGA Life Reinsurance Company of Canada, as amended and restated August 1, 2015, incorporated by reference to Exhibit 10.22 to Annual Report on Form 10-K filed February 27, 2018* |
| 10.25 | Offer Letter, dated October 29, 2015, between the Company and Anna Manning, incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed November 24, 2015* |
| 10.26 | Letter Agreement, dated July 25, 2019, by and between the Company and Anna Manning, incorporated by reference to Exhibit 10.1 to Quarterly Report on Form 10-Q filed November 1, 2019* |
| 10.27 | Offer Letter, effective January 2, 2023, between the Company and Tony Cheng, incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed January 4, 2023* |
| 10.28 | Letter Agreement, dated June 23, 2023, between RGA Enterprise Services Company and Tony Cheng, incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K filed June 23, 2023* |
| 21.1 | Subsidiaries of the Company |
| 23.1 | Consent of Deloitte & Touche LLP |
| 24.1 | Powers of Attorney for Messrs. Gauthier, Nichols, Thomas, Tran and Van Wyk and Mses. Albo, Bang, Guinn and McNeilage |
| 31.1 | Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to section 302 of the Sarbanes-Oxley Act of 2002 |
| 31.2 | Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to section 302 of the Sarbanes-Oxley Act of 2002 |
| 32.1 | Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002 |
| 32.2 | Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002 |
| 97 | NYSE Executive Compensation Recoupment Policy |
| 101.INS | XBRL Instance Document - the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document |
| 101.SCH | XBRL Taxonomy Extension Schema Document |
| 101.CAL | XBRL Taxonomy Extension Calculation Linkbase Document |
| 101.LAB | XBRL Taxonomy Extension Label Linkbase Document |
| 101.PRE | XBRL Taxonomy Extension Presentation Linkbase Document |
| 101.DEF | XBRL Taxonomy Extension Definition Linkbase Document |
| 104 | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibits 101). |
- Represents a management contract or compensatory plan or arrangement required to be filed as an exhibit to this form pursuant to Item 15 of this Report.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.