investigation and appraisal of the transactions contemplated hereby, and the Remarketing Agent shall have no responsibility or liability to the Company with respect thereto. Any review by the Remarketing Agent of the Company, the transactions 28 contemplated hereby or other matters relating to such transactions will be performed solely for the benefit of the Remarketing Agent and shall not be on behalf of the Company. [The rest of this page has been left blank intentionally; the signature page follows.] 29 If the foregoing correctly sets forth the agreement among the Company, the Trust and the Remarketing Agent, please indicate your acceptance in the space provided for that purpose below. 30 Very truly yours, REINSURANCE GROUP OF AMERICA, INCORPORATED By:/s/ Todd C. Larson Name:Todd C. Larson Title: EVP, Corporate Finance &Treasurer RGA CAPITAL TRUST I By:/s/ Todd C. Larson Name:Todd C. Larson Title: Administrative Trustee BARCLAYS CAPITAL INC. By:/s/ Gary Antenberg Authorized Representative SCHEDULE 1 Issuer Free Writing Prospectus dated March [1], 2011 Filed pursuant to Rule 433(d) Relating to Preliminary Prospectus Supplement dated February [16], 2011 Registration Statement Nos. 333-172296 and 333-172296-01 Term Sheet Remarketing Preferred Securities of RGA Capital Trust I Issuer: RGA Capital Trust 1 Securities Remarketed: $___ Remarketed Preferred Securities Maturity Date: June [5], 2011 Pricing Date: March [1], 2011 Settlement Date: March [4], 2010 Distribution Rate: ___% per annum Distribution Dates: March 15, 2011 for the period from the settlement date to and including March 14, 2011 and June 6, 2011 for the period from March 15, 2011 to and including June 4, 2011. Security Ratings (Expected)*: ___(Moody's) / ___(S&P) / ___(A.M. Best) Guarantee: Reinsurance Group of America, Incorporated has guaranteed payment of distributions to the extent described in the prospectus supplement and prospectus Deferral of Distributions: None CUSIP: 74956T 20 4 Remarketing Agent: Barclays Capital