RGA legal chief granted stock rights and RSUs

Reinsurance Group of America executive vice president and chief legal officer To My Chi reported receiving new equity-based awards.

Rhea-AI Filing Summary

Reinsurance Group of America executive vice president and chief legal officer To My Chi reported receiving new equity-based awards. On March 19, 2026, Chi was granted 3,457 stock appreciation rights tied to common stock with a conversion price of $200.50 per share and an expiration date of March 19, 2036. Chi also received 1,197 restricted share units linked to common stock. According to the footnote, these stock appreciation rights and restricted share units settle in common stock and vest in 33 1/3% increments beginning on the first anniversary of the grant, fully vesting on March 19, 2029. The awards reflect compensation-related acquisitions rather than open-market buying or selling.

Insider Trade Summary

Grant/Award: 4,654 shares

Grant/Award 2 txns

Insider To My Chi

Role EVP, Chief Legal Officer

Type	Security	Shares	Price	Value
Grant/Award	Restricted Share Unit - March 2026	1,197	$0.00	$0.00
Grant/Award	Stock Appreciation Right (right to purchase) 2026	3,457	$0.00	$0.00

Holdings After Transaction: Restricted Share Unit - March 2026 — 1,197 contracts (Direct); Stock Appreciation Right (right to purchase) 2026 — 3,457 contracts (Direct)

Footnotes (1)

1. F1. 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.

Key Figures

Stock appreciation rights granted: 3,457 rights SAR conversion price: $200.50 per share SAR expiration date: March 19, 2036 +2 more

5 metrics

Stock appreciation rights granted 3,457 rights Grant to EVP, Chief Legal Officer on March 19, 2026

SAR conversion price $200.50 per share Conversion price for 3,457 stock appreciation rights

SAR expiration date March 19, 2036 Expiration for stock appreciation rights grant

Restricted share units granted 1,197 RSUs Grant to EVP, Chief Legal Officer on March 19, 2026

Vesting completion date March 19, 2029 Awards vest in 33 1/3% increments until fully vested

Key Terms

Stock Appreciation Right, Restricted Share Unit, vesting, common stock

4 terms

Stock Appreciation Right financial

"Stock Appreciation Right (right to purchase) 2026"

A stock appreciation right (SAR) is a form of employee pay that gives the holder the right to receive the increase in a company's share price over a set reference price, paid in cash or shares, without having to buy stock first. It matters to investors because SARs can create future cash outflows or dilute existing shareholders if settled in stock, and they align employee incentives with share-price performance like a bonus tied to a home's price rise.

Restricted Share Unit financial

"Restricted Share Unit - March 2026"

A restricted share unit (RSU) is a promise by a company to give an employee a set number of company shares at a future date, typically after meeting time or performance conditions. For investors, RSUs matter because when they convert into actual shares they increase the number of shares outstanding (like unlocking more tickets in a game), which can dilute existing holders, and they align employee incentives with company performance, influencing behavior and long-term value.

vesting financial

"vest in 33 1/3% increments, beginning on the first anniversary date"

Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.

common stock financial

"Stock appreciation rights and restricted share units settle in common stock"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

FAQ

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

What insider transactions did RGA EVP To My Chi report on this Form 4?

To My Chi reported receiving equity awards from Reinsurance Group of America, including 3,457 stock appreciation rights and 1,197 restricted share units. Both awards are linked to RGA common stock and represent compensation-related grants, not open-market purchases or sales.

How many stock appreciation rights did RGA (RGA) grant to To My Chi?

Reinsurance Group of America granted To My Chi 3,457 stock appreciation rights tied to common stock. These rights have a conversion price of $200.50 per share and expire on March 19, 2036, providing potential value if the stock trades above that level.

What restricted share unit award did To My Chi receive from RGA?

To My Chi received 1,197 restricted share units from Reinsurance Group of America. These units are linked to RGA common stock and will settle in shares as they vest over time, forming part of the executive’s long-term equity compensation package.

What is the vesting schedule for To My Chi’s RGA equity awards?

The stock appreciation rights and restricted share units vest in 33 1/3% increments starting on the first anniversary of the March 19, 2026 grant. They fully vest on March 19, 2029, aligning the awards with a multi-year service and performance horizon.

At what price can To My Chi exercise the RGA stock appreciation rights?

The stock appreciation rights granted to To My Chi have a conversion price of $200.50 per share. This means value is realized only if Reinsurance Group of America’s common stock trades above $200.50 when the rights are exercised before expiration.

Do To My Chi’s RGA stock appreciation rights and RSUs settle in cash or stock?

Both the stock appreciation rights and restricted share units granted to To My Chi settle in Reinsurance Group of America common stock. As they vest and, in the case of rights, are exercised, the awards deliver shares rather than cash consideration.

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

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Accepted by SEC EDGAR 04/27/2026 - 09:20 PM 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^*

To My Chi

(Last) (First) (Middle)

16600 SWINGLEY RIDGE RD.

(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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
03/19/2026

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
Restricted Share Unit - March 2026	(1)	03/19/2026		A		1,197		(1)	(1)	Common Stock	1,197	$0	1,197	D
Stock Appreciation Right (right to purchase) 2026	$200.5(1)	03/19/2026		A		3,457		(1)	03/19/2036	Common Stock	3,457	$0	3,457	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.

Remarks:

This Form 4 is being filed late due to inadvertent administrative error.

	/s/ My Chi To	04/27/2026
	** 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)