Exhibit 4.1 EXECUTION VERSION REINSURANCE GROUP OF AMERICA, INCORPORATED RGA CAPITAL TRUST I AMENDED AND RESTATED REMARKETING AGREEMENT February 15, 2011 Barclays Capital Inc. 745 Seventh Avenue New York, NY 10019 Ladies and Gentlemen: Reinsurance Group of America, Incorporated, a Missouri corporation (the "Company"), and RGA Capital Trust I, a Delaware statutory business trust (the "Trust"), issued and sold to Lehman Brothers Inc. and Banc of America Securities LLC (the "Underwriters") pursuant to the Underwriting Agreement, dated December 12, 2001 (the "Underwriting Agreement"), 4,500,000 Trust Preferred Income Equity Redeemable Securities ("PIERS")1 units (the "Firm Units") issued pursuant to a Unit Agreement (the "Unit Agreement") dated as of December 18, 2001, as supplemented September 12, 2008, among the Company, the Trust, The Bank of New York Mellon Trust Company, N.A., as successor unit agent (in such capacity, the "Unit Agent"), as successor warrant agent (in such capacity, the "Warrant Agent"), and as successor property trustee (in such capacity, the "Property Trustee"). In addition, the Company and the Trust granted to the Underwriters an option (the "Option") to purchase up to an additional 675,000 Units (the "Option Units" and, together with the Firm Units, the "Units"). Each Unit consists of a preferred security, liquidation preference $50 per security, of the Trust (each, a "Preferred Security") and a warrant (each, a "Warrant") of the Company to purchase at any time prior to the close of business on December 15, 2050, shares (the "Warrant Shares") of common stock, par value $0.01 per share, of the Company ("Common Stock"), subject to antidilution adjustments. Each Preferred Security represents an undivided beneficial ownership interest in the assets of the Trust, which assets consist solely of the 5.75% Junior Subordinated Deferrable Interest Debentures due 2051 of the Company (the "Debentures"). Certain payments on the Preferred Securities and Common