Reinsurance Group of America, Incorporated Legal Notice

Please read the following terms and conditions carefully before using this web site. You should review these terms and conditions regularly as we may change them at any time as we deem necessary. For ease of reference the paragraphs below refer to Reinsurance Group of America, Incorporated and its subsidiaries collectively as "we," "us" or "our." The following terms and conditions apply to this web site:

1. Liability

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS WEB SITE.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

THIS WEB SITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

2. We Do Not Have Responsibility for Links to Third Party Content

LINKS TO THIRD PARTY WEB SITES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB SITES IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.

We reserve the right to terminate a link to a third party web site at any time. The fact that we provide a link to a third party web site does not necessarily mean that we endorse, authorize or sponsor that web site, nor that we are affiliated with the third party web site's owners or sponsors. If you wish to link to this web site, please contact our Webmaster.

3. Proprietary Rights & Restricted Use

This web site's content is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this web site's content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. You are not authorized to post on or transmit to or from this web site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this web site, without our prior written permission. You may request permission by sending a request to Sally Smith, Executive Director, Marketing Communications, at 636-736-8167, or by e-mail to ssmith@rgare.com.

4. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web Site

We are the copyright owner of all text contained on this web site. We also own certain registered trademarks and service marks, including Reinsurance Group of America, Reinsurance Partners, Reinventing Reinsurance, RGA (acronym) and the RGA logo, as well as other trademarks and service marks that may be referred to on this web site. Other parties' trademarks and services marks that may be referred to on this web site are the property of their respective owners. Nothing on this web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission. The registered trademarks and service marks described above, and the RGA logo, may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this web site, without our prior written permission. You are not authorized to use our logo as a hyperlink to this web site unless you obtain our prior written permission.

5. We Are Not Providing Investment Advice Nor Soliciting Offers

Nothing in this web site constitutes investment advice, including our filings with the U.S. Securities and Exchange Commissions ("SEC"). In addition, our investor relations materials and our other web site content are not offers to sell or solicitations of any offer to buy any security. We will not offer to sell, solicit offers to buy, or sell securities in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities law or other laws of such jurisdiction. In addition, any prospectus information available on this web site is posted for informational purposes only.

When available, our annual reports, 10-K and 10-Q reports and other materials will be accessible through this web site. Other materials we have filed with the SEC may be obtained by accessing the SEC's web site at http://www.sec.gov, by visiting the SEC at its Washington, D.C. or various regional offices or by hiring a document retrieval service to obtain the filings for you.

6. You Should Not Rely on the Stock Price Information on This Web Site

We do not generate the information on this web site relating to the stock price of Reinsurance Group of America, Incorporated. You should not rely on the stock price information for investment purposes. We believe that the information in the Investor Relations portion of this web site is accurate, but we cannot guarantee or warrant the accuracy, completeness, or timeliness of the information. We are not liable for any loss or damages, whether direct, indirect, incidental, special, consequential, or exemplary, that may arise from reliance on information relating to our stock price or in the Investor Relations portion of this web site.

7. Investors Should Not Unduly Rely on Any Forward-Looking Information

This web site may contain information that includes or is based upon forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are based upon current expectations, estimates and beliefs concerning future developments and events. Forward-looking statements include, among others, statements relating to projections of our earnings, revenues, income or loss, future financial performance and growth potential. Forward-looking statements typically use words such as "intend," "expect," "project," "estimate," "predict," "anticipate," "should," "believe," and other similar words and expressions. Forward-looking statements are inherently subject to risks and uncertainties, some of which cannot be predicted or quantified. Future events and actual results, performance and achievements could differ materially from those set forth in, contemplated by or underlying the forward-looking statements.

Numerous important factors could cause actual results and events to differ materially from those expressed or implied by forward-looking statements. You should refer to our latest filing with the SEC for a current list of these important factors.

Forward-looking statements should be evaluated together with the many risks and uncertainties that affect our business, including those mentioned in this document and described in the periodic reports we file with the SEC. You are cautioned not to place undue reliance on the forward-looking statements, which speak only as of the date on which they are made. We do not undertake any obligations to update these forward-looking statements, even though our situation may change in the future. We qualify all of our forward-looking statements by these cautionary statements.

8. Issues Applicable to Users in Other Jurisdictions

We control this web site from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this web site in violation of U.S. export laws and regulations. The laws of the State of Missouri will govern the content and materials contained in this web site, without giving effect to any principles of conflicts of laws.

Reinsurance Group of America, Incorporated is a Missouri corporation and has its principal place of business in Chesterfield, Missouri. Our subsidiaries are licensed or otherwise approved to transact business in various countries and various states of the United States. Certain products and services and other information described on this web site may not be available in your state or country.