RGA director receives 1,518 phantom stock units

Reinsurance Group of America director Steven C. Van Wyk received a grant of 1,518 phantom stock units as compensation.

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Rhea-AI Filing Summary

Reinsurance Group of America director Steven C. Van Wyk received a grant of 1,518 phantom stock units as compensation. The units are linked 1-for-1 to the company’s common stock and were acquired through deferral of his annual cash retainer (701 units) and annual stock grant (817 units) for board service. Payment will be made in accordance with his elections, either upon retirement from the board or after a five- or seven-year deferral period.

Insider Trade Summary

Grant/Award: 1,518 shares

Grant/Award 1 txn

Insider Van Wyk Steven C.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Phantom Stock	1,518	$0.00	$0.00

Holdings After Transaction: Phantom Stock — 1,518 contracts (Direct)

Footnotes (4)

F1. The phantom stock units convert 1 for 1 to common stock, based on fair market value.
F2. Acquired pursuant to deferral of annual retainer (701 shares) and defferal of annual stock grant (817 shares) to independent directors for services performed as a director.
F3. Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.
F4. Distributable upon director's retirement from the Board in accordance with distribution elections.

Key Figures

Phantom stock units granted: 1,518 units Units from deferred cash retainer: 701 units Units from deferred stock grant: 817 units +2 more

5 metrics

Phantom stock units granted 1,518 units Director phantom stock award for services

Units from deferred cash retainer 701 units Deferral of annual director cash retainer

Units from deferred stock grant 817 units Deferral of annual director stock grant

Total phantom units after transaction 1,518 units Total phantom stock reported following this grant

Transaction price per unit $0.00 Non-cash grant of phantom stock units

Key Terms

Phantom Stock, deferral of annual retainer, annual stock grant, deferral period, +1 more

5 terms

Phantom Stock financial

"The phantom stock units convert 1 for 1 to common stock, based on fair market value."

A phantom stock is a form of compensation that gives employees or executives the benefits of stock ownership, such as the increase in stock value, without actually giving them real shares. It acts like a promise to pay the employee the equivalent value of company stock later, often as a bonus or incentive. This allows companies to motivate and reward staff without diluting ownership or transferring actual shares.

deferral of annual retainer financial

"Acquired pursuant to deferral of annual retainer (701 shares) and defferal of annual stock grant (817 shares)"

annual stock grant financial

"defferal of annual stock grant (817 shares) to independent directors for services performed as a director."

deferral period financial

"Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period."

distributable upon director's retirement financial

"Distributable upon director's retirement from the Board in accordance with distribution elections."

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did RGA director Steven C. Van Wyk report?

Steven C. Van Wyk reported receiving 1,518 phantom stock units as director compensation. These units were granted at no cash cost and are tied to Reinsurance Group of America’s common stock value on a one-for-one basis.

How many RGA phantom stock units did Steven C. Van Wyk acquire?

He acquired 1,518 phantom stock units in total. The award came from deferring his annual cash retainer, which created 701 units, and deferring his annual stock grant, which created an additional 817 units for board service.

What are the terms of Steven C. Van Wyk’s RGA phantom stock units?

The phantom stock units convert 1-for-1 into common stock based on fair market value. They are a form of deferred compensation, giving economic exposure to RGA shares without immediate share issuance or cash payment at the grant date.

When will Steven C. Van Wyk receive payment for his RGA phantom stock?

He can elect to receive payment upon retirement from the board or after a five- or seven-year deferral period. The distribution will follow his prior elections and is described as distributable upon retirement in accordance with those choices.

How were Steven C. Van Wyk’s RGA phantom stock units generated?

They were acquired through deferral of his director compensation. Footnotes state 701 units came from deferring the annual cash retainer and 817 units from deferring the annual stock grant, converting those amounts into phantom stock units for later payout.

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Accepted by SEC EDGAR 05/22/2026 - 06:15 PM EDT

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

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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^*

Van Wyk Steven C.

(Last)

(First)

(Middle)

16600 SWINGLEY RIDGE ROAD

(Street)

CHESTERFIELD

MISSOURI

63017

(City)

(State)

(Zip)

UNITED STATES

(Country)

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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/20/2026

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

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

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

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)

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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Phantom Stock	$0⁽¹⁾	05/20/2026		A		1,518⁽²⁾		⁽³⁾	⁽⁴⁾	Common stock	1,518	$0	1,518	D

Explanation of Responses:

1. The phantom stock units convert 1 for 1 to common stock, based on fair market value.

2. Acquired pursuant to deferral of annual retainer (701 shares) and defferal of annual stock grant (817 shares) to independent directors for services performed as a director.

3. Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.

4. Distributable upon director's retirement from the Board in accordance with distribution elections.

Remarks:

	/s/ My Chi To, by Power of Attorney	05/22/2026
	** 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.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR