RGA (NYSE: RGA) EVP My Chi To settles RSUs and withholds shares

Rhea-AI Filing Summary

Reinsurance Group of America executive My Chi To reported equity compensation activity. On January 15, 2026, 647 restricted stock units granted in June 2025 were settled into 647 shares of RGA common stock at no stated price. These units vest in three equal annual installments beginning December 31, 2025 and fully vest on December 31, 2027, with each unit delivering one share upon settlement. On the same date, 268 shares of common stock were withheld in a transaction coded “F,” typically used for tax withholding, leaving To with 379 directly held common shares after these transactions.

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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

OMB APPROVAL

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

To My Chi

(Last) (First) (Middle)

16600 SWINGLEY RIDGE ROAD

(Street)

CHESTERFIELD MO 63017

(City) (State) (Zip)

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

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

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, CLO

3. Date of Earliest Transaction (Month/Day/Year)
01/15/2026

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

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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/15/2026		A		647(1)(2)	A	(1)(2)	647	D
Common Stock	01/15/2026		F		268(1)	D	(1)	379	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Unit - June 2025	$206.07(2)	01/15/2026		M			647	12/31/2027	(1)	Common Stock	647	(1)	0	D

Explanation of Responses:

1. Restricted share units granted on June 6, 2025, vest in 33 and 1/3% increments over three years, beginning on December 31, 2025, and fully vesting on December 31, 2027.

2. Each restricted share unit represents a contingent right to receive one (1) share of the Issuer's Common Stock upon settlement.

Remarks:

	/s/ My Chi To	01/20/2026
	** 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 4 (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.

FAQ

Who is the insider in this RGA Form 4 filing and what is their role?

The reporting person is My Chi To, who serves as Executive Vice President and Chief Legal Officer (EVP, CLO) of Reinsurance Group of America.

What transactions did My Chi To report for RGA on January 15, 2026?

On January 15, 2026, My Chi To reported the settlement of 647 restricted stock units into 647 shares of common stock and a separate transaction coded “F” for 268 shares of common stock.

How many RGA shares does My Chi To own after the reported transactions?

Following the reported transactions, My Chi To directly beneficially owns 379 shares of Reinsurance Group of America common stock.

What are the terms of the June 6, 2025 restricted share unit grant for RGA?

The restricted share units granted on June 6, 2025 vest in 33 1/3% increments over three years, starting on December 31, 2025 and fully vesting on December 31, 2027.

How many RGA shares does each restricted stock unit represent?

Each restricted share unit represents a contingent right to receive one share of Reinsurance Group of America common stock upon settlement.

Were the derivative securities still outstanding after this Form 4 transaction?

After the January 15, 2026 transaction coded “M,” the number of the reported restricted stock units was 0, indicating those 647 units were fully settled into common shares.