REINSURANCE GROUP OF AMERICA INC

Proxy Statement Summary

These proxy materials are being provided to you because the Board is soliciting your proxy to vote your shares at the Company's 2026 Annual Shareholders' Meeting. This summary highlights information contained elsewhere in this proxy statement ("Proxy Statement"). This summary does not contain all of the information that you should consider and you should read the entire Proxy Statement carefully before voting. Page references are supplied to help you find additional information in this Proxy Statement. This Proxy Statement and the related proxy materials were first made available to shareholders and on the internet on April 9, 2026.

Annual Shareholders' Meeting

Date & Time: May 20, 2026, 2:00 p.m., Central time

Place: 16600 Swingley Ridge Road, Chesterfield, Missouri 63017

Record Date: Close of business on March 23, 2026

Voting Matters and Board Recommendations

How to Cast Your Vote

Your vote is important. Please cast your vote and play a part in the future of the Company. Shareholders of record, who hold shares registered in their names with the Company's transfer agent, can vote by:

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Board Nominees (page 14)

1 See Board Committee Membership (page 22) for additional information.

Board and Committees (page 19)

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Governance Facts

1 As of the date of the Annual Shareholders' Meeting, our Board members' average tenure and age will be approximately 4.7 years and 63 years, respectively.

2025 Business Highlights

The Company delivered strong operating results in 2025. Summarized below are highlights of our 2025 financial performance:

•Full-year net income available to RGA shareholders of $17.69 per diluted share and adjusted operating income, excluding notable items* of $24.42 per diluted share, compared to full-year net income available to RGA shareholders of $10.73 per diluted share and adjusted operating income, excluding notable items* of $22.57 per diluted share in 2024.

•Return on equity of 9.7% and adjusted operating return on equity, excluding notable items* of 15.7%, compared to return on equity of 7.1% and adjusted operating return on equity, excluding notable items* of 15.4%, in 2024, for the trailing twelve months ended December 31, 2024.

For additional information on 2025 financial performance, see our 2025 Annual Report on Form 10-K.

*Represent non-GAAP financial measures. See "Use of Non-GAAP Financial Measures" on page 81 for additional information, including reconciliations of non-GAAP financial measures to comparable GAAP measures.

Senior Management Updates

My Chi To, Executive Vice President, Chief Legal Officer & Corporate Secretary, joined the Company on May 19, 2025. William L. Hutton retired from his position as Executive Vice President, General Counsel and Secretary on June 6, 2025.

Ron Herrmann was appointed to the position of Executive Vice President, Reinsurance Group of America, Incorporated and President, RGA Reinsurance Company and RGA Life and Annuity Insurance

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Company, effective January 1, 2026. Ron also oversees the operations of RGA EMEA, which is comprised of the Company's business lines in the UK and Ireland, Continental Europe, the Middle East, and Africa.

Leslie Barbi, Executive Vice President, Chief Investment Officer, has announced her intention to retire from the Company effective April 15, 2026. Jayson Bronchetti has been appointed as Executive Vice President, Chief Investment Officer, effective April 15, 2026.

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The performance contingent share awards and the stock based awards described above collectively form the Company's long-term incentive ("LTI") plan. For 2025, the LTI was allocated as follows:

•75% PCS and 25% SARs for Mr. Cheng;

•50% RSUs and 50% SARs for Ms. To; and

•60% PCS, 20% RSUs, and 20% SARs for all other named executive officers.

Ms. To joined the Company in May 2025, after the start of the performance period, and as such did not receive a PCS allocation for 2025. Her LTI grant was split 50% RSUs and 50% SARs, prorated for time in service. She also received a sign-on RSU grant that vests in three equal annual installments, beginning on the first anniversary of the grant date, and fully vests on June 6, 2028.

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