Form 4 Filing by EVP, Chief Legal Officer My Chi To

This Form 4 filing reports the acquisition of 1,197 Restricted Share Units and 3,457 Stock Appreciation Rights by My Chi To, EVP, Chief Legal Officer of REINSURANCE GROUP OF AMERICA INC (RGA). The transactions, which occurred on March 19, 2026, were settled in common stock. The filing was submitted late due to an inadvertent administrative error. The Restricted Share Units and Stock Appreciation Rights vest in 33 1/3% increments, beginning on the first anniversary of the grant, and fully vest on March 19, 2029. The Stock Appreciation Rights have an exercise price of $200.50.