Global Human Rights
PolicyLast Update: September 2022

Global Human Rights Policy

Introduction
Reinsurance Group of America, Incorporated and all of its subsidiaries and affiliates (collectively, “RGA”) is aleading global provider of life reinsurance and financial solutions. Founded in 1973, RGA, a Fortune 500company, is recognized for its deep technical expertise in risk and capital management, innovative solutions, andcommitment to serving its clients. With headquarters in St. Louis, Missouri, and operations around the world, RGA
delivers expert solutions in individual life reinsurance, individual living benefits reinsurance, group reinsurance,health reinsurance, facultative underwriting, product development, insurance services, technology, and capitalmotivated reinsurance.
At RGA, we pride ourselves on our continuing dedication to conducting our global business fairly and ethically.
We follow a strict equality and fairness ethos and do not tolerate violations of human rights, including acts ofmodern slavery and human trafficking.

PurposeThe objective of the Global Human Rights Policy (“Policy”) is to detail expectations for our actions and behavior
concerning human rights in accordance with applicable laws and regulations, our Code of Conduct, and RGA
policies. This Policy intends to ensure that we, as good corporate citizens, reaffirm the importance of respecting
human rights and work to fulfill our responsibility to respect the fundamental human rights of one another.

Scope
This Policy is applied globally to all workforce members throughout RGA to ensure awareness and compliance toRGA’s human rights commitments. Workforce members include any regular or temporary employee, contingent
worker, contractor, consultant, or individuals representing or acting on behalf of RGA. This Policy also applies toall locations and situations where RGA business is conducted as well as all company-sponsored events.

Our Commitment to Human Rights
RGA is committed to respecting human rights by seeking to avoid infringing on the rights of others. We expect
workforce members to share this commitment to ensure our business respects and promotes human rights. Ourcommitment is formalized and manifested through our various policies, Code of Conduct, training modules, andethical business practices. We are committed to working with and encouraging our suppliers, customers, andother business relationships to respect and uphold this Policy.

Guiding Principles
Our commitment to human rights is based on the following guiding principles:
General Labor Practices

Forced or Compulsory Labor

We comply with all applicable labor laws,
regulations, and guidelines, including those related
to wages, benefits, hiring, promoting, hours worked,
and working conditions.

We do not use or tolerate the use of force, debtbonded indentured labor, involuntary prison labor,
slavery, or any form of human trafficking in ourbusiness or supply chain.

Diversity and Inclusion
We value all the individuals in our diverse workforce
and recognize the importance of understanding,appreciating, and accepting individual differences.

Workplace Health and Safety
We strive to provide and maintain a healthy and safe
working environment that is free from violence,
intimidation, or other unsafe or disruptive conditions.

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Global Human Rights Policy

Harassment and Non-Discrimination

Privacy

We believe everyone should be treated with respectand do not tolerate sexual, racial, or other forms ofharassment, discrimination, and bullying in theworkplace.

We respect individual privacy expectations and protect
the personal information that we collect, use, anddisclose in connection with our business.

Legal Compliance
RGA adheres to all applicable local and international laws and regulations relating to and impacting the exerciseof human rights. Should there be differences between the content of this Policy and laws or other applicablehuman rights standards, the more stringent requirements shall apply. RGA is committed to ensuring transparency
in our business and in our approach to tackling the risk of human trafficking and modern slavery throughout oursupply chains, consistent with our disclosure obligations under Section 54(1) of the United Kingdom ModernSlavery Act 2015.

Policies and Training
RGA has established global policies that demonstrate our commitment to respecting human rights, including thepolicies listed below. We also provide training for workforce members about many of the standards and principles
referred to in this Policy.
Based upon our core values and principles, the Code of Conduct (“Code”) defines the ethical standards
and global expectations for conducting business on behalf of RGA. The Code covers a wide range of
topics relevant to the protection of human rights, including harassment and discrimination, workplace
violence, protecting privacy, economic sanctions, and anti-bribery and corruption. Workforce members
are required to complete the online Code of Conduct training annually. This training includes anindividual attestation by each workforce member that he or she understands the responsibility to comply
with the rules and principles (including human rights issues) listed in the Code. The Code of Conduct isavailable to workforce members on the Policy Portal through the RGA intranet.

RGA has other policies intended to promote legally compliant and ethical business conduct. Policies
contributing to our commitment to preventing violations of human rights in our business include:oooSpeak-Up Policy
Non-Retaliation Policy
Vendor Risk Management Policy

RGA provides training for workforce members about many of the standards and principles referred to inthis Policy. Following our mandatory training escalation process, these training modules are administeredduring initial training sessions for new Workforce members and on an annual basis. RGA also providesmore detailed training on human rights when needed. Additionally, RGA provides regular andcomprehensive anti-harassment training for employees.

Assessment
RGA is committed to ensuring that violations of human rights, including modern forms of slavery and humantrafficking, are not present in either our supply chains or business functions. At this time, RGA's business isconducted primarily with insurance companies. Due to the nature of RGA's business, we are not exposed to highrisk supply chains, and there is a very low risk of slavery and human trafficking occurring. However, we are awarethat international business can pose certain risks.
Should RGA become aware that business relationships do not adequately manage their adverse human rights
impacts, we will reconsider our supply arrangement and implement remedies available to us. RGA will consider
on an individual basis what steps should be taken in relation to our suppliers, and ensure our workforce members
are aware of the risks and the mitigating factors put in place.
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Global Human Rights Policy

Reporting Concerns
Workforce members are expected to avoid contributing to adverse human rights impacts by reporting any
suspected breaches of this Policy thoroughly and promptly. RGA will investigate allegations and pursue action tomitigate any adverse human rights impacts. RGA prohibits any form of retaliation against workforce members who,in good faith, report a suspected violation of law, rule, regulation, RGA policy, or the Code of Conduct, or who
participate in an investigation related to such an alleged violation.
For any questions or to report suspected violations of human rights, workforce members can contact one of several
channels available to them: Direct Supervisor or Next Level Manager
 Local, Regional, or Global Human Resources Representative RGA Speak-Up Hotline
 Global Ethics and Compliance RGA Legal Counsel

Appendix
Reference Documents
RGA’s commitment to human rights is guided by the principles outlined in the laws and regulations of the UnitedStates governing human rights, as well as in the following recognized international human rights standards:
United Nations Universal Declaration of Human Rights

United Nations Guiding Principles on Business and Human Rights

International Labor Organization’s Declaration on Fundamental Principles and Rights at WorkInternational Covenant on Civil and Political RightsInternational Covenant on Economic, Social and Cultural Rights

Legislation about human rights in the countries where we operate

Definitions of Terms
Discrimination The unfavorable treatment of an individual for reasons that are not due to ability, but are basedon a personal characteristic protected by law (e.g., disability, gender, race, religion, age, sexual orientation).
Harassment Any words or actions that create an intimidating, hostile, or offensive work environment.
Human Rights Human rights are inalienable fundamental rights to which people are inherently entitled simply
because they are human beings and which are "inherent in all human beings" regardless of their nation, location,
language, religion, ethnic origin, or any other status.
Human Trafficking The recruitment, transportation, transfer, harboring, or receipt of persons by improper means(such as force, abduction, or coercion) for an improper purpose including forced labor or sexual exploitation.
Slavery Slavery is ownership or control over another's life, coercion, the restriction of movement, and the factthat someone is not free to leave or to change an employer.
Workforce Member Any regular or temporary employee, contingent worker, contractor, consultant, or individuals
representing or acting on behalf of RGA.

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Global Human Rights Policy

Policy Information
Document Information
Current Version Number

1.0

Policy Owner

Tara Patterson, Executive Director, Global HR Compliance Lead, Global HRBP

Policy Manager

Tara Patterson, Executive Director, Global HR Compliance Lead, Global HRBP

Effective Date

September 2022

Version Notes

Date of VersionApproval

Version Number

Version Author(s)1.0Tara PattersonTwo-year review completed; noupdates necessary.

September 2022

1.0

Tara Patterson

Initial Version of Global Human
Rights Policy.

May 2019

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