RGA director Tran returns 27 stock-linked units

The 27 units had been credited on May 20, 2026, and were cancelled and forfeited to correct an administrative error.

Rhea-AI Filing Summary

Reinsurance Group of America (RGA) director Khanh T. Tran returned 27 phantom stock units to the issuer on October 22, 2026. The units were cancelled and forfeited for no consideration to correct an administrative error that had resulted in their being credited on May 20, 2026. The reported position after the disposition was 1,469 phantom stock units.

Insider Trade Summary

Disposition: 27 shares

Disposition 1 txn

Insider TRAN KHANH T

Role Director

Type	Security	Shares	Price	Value
Disposition	Phantom Stock F1, F2, F3, F4	27	$0.00	$0.00

Holdings After Transaction: Phantom Stock — 1,469 contracts (Direct)

Footnotes (4)

1. F1. The phantom stock units convert 1 for 1 to common stock, based on fair market value.
2. F2. Represents the cancellation and forfeiture to the issuer, for no consideration, of 27 phantom stock units previously credited to the reporting person on May 20, 2026, as reflected in a Form 4 filed by the reporting person on May 22, 2026. These phantom stock units were cancelled and forfeited to account for an administrative error which resulted in such phantom stock units inadvertently being credited to the reporting person.
3. F3. Director can elect to receive payment (1) upon retirement or (2) after a five or seven year deferral period.
4. F4. Distributable upon director's retirement from the Board in accordance with distribution elections.

Key Figures

Phantom stock units cancelled and forfeited: 27 phantom stock units Phantom stock units following transaction: 1,469 phantom stock units Conversion ratio: 1 for 1

3 metrics

Phantom stock units cancelled and forfeited 27 phantom stock units Returned to the issuer on October 22, 2026

Phantom stock units following transaction 1,469 phantom stock units Reported position after the October 22, 2026 disposition

Conversion ratio 1 for 1 Phantom stock units convert to common stock based on fair market value

Key Terms

Phantom Stock, fair market value, deferral period

3 terms

Phantom Stock financial

"The phantom stock units convert 1 for 1 to common stock"

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.

fair market value financial

"based on fair market value"

The price a willing buyer and a willing seller would agree on for an asset or security when neither is under pressure and both have access to the same information. Think of it as the market’s neutral estimate of what something is worth, like the price two neighbors would settle on for a car after comparing similar listings. Investors care because fair market value guides buying and selling decisions, tax reporting, portfolio valuation, and how accurately company assets are reflected in financial statements.

deferral period financial

"after a five or seven year deferral period"

FAQ

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

How many RGA phantom stock units did director Khanh T. Tran return?

Khanh T. Tran returned 27 phantom stock units to the issuer on October 22, 2026. They were cancelled and forfeited for no consideration because an administrative error had resulted in their being credited on May 20, 2026.

How do RGA phantom stock units convert and when can payment be received?

RGA phantom stock units convert 1 for 1 to common stock based on fair market value. The director can elect payment upon retirement or after a five or seven year deferral period; distributions are payable upon retirement in accordance with distribution elections.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/22/2026 - 04:08 PM EDT Accepted by SEC EDGAR 10/22/2026 - 04:07 PM EDT Learn about SEC filing dates

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^*

TRAN KHANH T

(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)
10/22/2026

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)
			Code	V	Amount	(A) or (D)	Price

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
Phantom Stock	$0(1)	10/22/2026		D			27(2)	(3)	(4)	Common Stock	27	$0	1,469	D

Explanation of Responses:

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

2. Represents the cancellation and forfeiture to the issuer, for no consideration, of 27 phantom stock units previously credited to the reporting person on May 20, 2026, as reflected in a Form 4 filed by the reporting person on May 22, 2026. These phantom stock units were cancelled and forfeited to account for an administrative error which resulted in such phantom stock units inadvertently being credited to the reporting person.

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	10/22/2026
	** 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)