SEC FORM 3

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

O'Loughlin Senan

(Last)

(First)

(Middle)

16600 SWINGLEY RIDGE ROAD

(Street)

CHESTERFIELD

MISSOURI

63017

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
06/22/2026

3. Issuer Name and Ticker or Trading Symbol
REINSURANCE GROUP OF AMERICA INC [ RGA ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Executive Vice President

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	2,967.412	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
Restricted Share Unit - March 2026	⁽¹⁾	⁽¹⁾	Common Stock	539	$0⁽²⁾	D
Restricted Share Unit - March 2025	⁽³⁾	⁽³⁾	Common Stock	291	$0⁽²⁾	D
Restricted Share Unit - March 2024	⁽⁴⁾	⁽⁴⁾	Common Stock	142	$0⁽²⁾	D
Stock Appreciation Right (right to purchase) 2026	⁽¹⁾	03/19/2036	Common Stock	1,556	$200.5	D
Stock Appreciation Right (right to purchase) 2025	⁽³⁾	03/06/2035	Common Stock	1,190	$193	D
Stock Appreciation Right (right to purchase) 2024	⁽⁴⁾	03/15/2034	Common Stock	1,081	$185.28	D
Stock Appreciation Right (right to purchase) 2023	⁽⁵⁾	03/09/2033	Common Stock	964	$138.34	D
Stock Appreciation Right (right to purchase) 2022	⁽⁵⁾	03/22/2032	Common Stock	1,263	$106.53	D

Explanation of Responses:

1. Stock appreciation rights and restricted share units settle in common stock, vest in 33 1/3% increments, beginning on the first anniversary date of the grant, and fully vest on March 19, 2029.

2. Each restricted stock unit represents a contingent right to receive one (1) share of the Issuer's common stock upon vesting.

3. Stock appreciation rights and restricted share units settle in common stock, vest in 33 and 1/3% increments over three years, and fully vest on December 31, 2027.

4. Stock appreciation rights and restricted share units settle in common stock, vest in 33 and 1/3% increments over three years, and fully vest on December 31, 2026.

5. Stock appreciation rights settle in common stock and vest in 25% increments, over four years, beginning on December 31 of the year of grant.

Remarks:

	/s/ My Chi To, by Power of Attorney	07/02/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)