0001193125-16-616776 Sample Contracts

Third Supplemental Indenture between Reinsurance Group of America, Incorporated and The Bank of New York Mellon Trust Company, N.A., as Trustee Dated June 8, 2016 3.95% Senior Notes due 2026
Third Supplemental Indenture • June 8th, 2016 • Reinsurance Group of America Inc • Life insurance • New York

THIRD SUPPLEMENTAL INDENTURE, dated June 8, 2016 (this “Third Supplemental Indenture”), between REINSURANCE GROUP OF AMERICA, INCORPORATED, a Missouri corporation (the “Company”), having its principal executive office at 16600 Swingley Ridge Road, Chesterfield, Missouri 63017 and THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., a national banking association, as trustee (the “Trustee”), having its corporate trust office at 2 North LaSalle, Suite 1020, Chicago, Illinois 60602, supplementing the Indenture, dated as of August 21, 2012, between the Company and the Trustee (the “Base Indenture” and, together with this Third Supplemental Indenture, the “Indenture”).

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Fourth Supplemental Indenture between Reinsurance Group of America, Incorporated and The Bank of New York Mellon Trust Company, N.A., as Trustee Dated as of June 8, 2016 5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056
Fourth Supplemental Indenture • June 8th, 2016 • Reinsurance Group of America Inc • Life insurance • New York

FOURTH SUPPLEMENTAL INDENTURE, dated as of June 8, 2016 (this “Fourth Supplemental Indenture”), between REINSURANCE GROUP OF AMERICA, INCORPORATED, a Missouri corporation (the “Company”), having its principal executive office at 16600 Swingley Ridge Road, Chesterfield, Missouri 63017 and THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., a national banking association, as trustee (the “Trustee”), having its corporate trust office at 2 North LaSalle, Suite 1020, Chicago, Illinois 60602, supplementing the Indenture, dated as of August 21, 2012, between the Company and the Trustee (the “Base Indenture” and, together with this Fourth Supplemental Indenture, the “Indenture”).

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