Reinsurance Group ofAmerica, Incorporated
Modern Slavery Statement2021

www.rgare.com

Introduction
At Reinsurance Group of America, Incorporated (“RGA”), we pride ourselves on our continuing
dedication to conducting our global business fairly and ethically. We follow a strict equality andfairness ethos and do not tolerate acts of modern slavery and human trafficking.
We are committed to the identification, assessment and elimination of modern slavery risks in themanagement of our business operations and our supply chains. We are similarly committed toworking with and encouraging our suppliers, customers and other business relationships to address
the risks of modern slavery and human trafficking in their supply chains.
This Modern Slavery Statement covers the calendar year from January 1, 2021 to December 31,2021. In accordance with the Australian Modern Slavery Act 2018, RGA’s Modern Slavery statement
is due within 6 months of the end of the financial year.

Our Structure and Operations
RGA, a Fortune 500 company, is a leading global provider of life reinsurance and financial solutions.
Founded in 1973, RGA is recognized for its deep technical expertise in risk and capitalmanagement, innovative solutions, and commitment to serving its clients.
With headquarters in St. Louis, Missouri, RGA serves clients from operations in 26 markets aroundthe world, delivering expert solutions in individual life insurance, individual living benefits
reinsurance, group reinsurance, financial solutions, facultative underwriting and productdevelopment.
As of December 31, 2021, RGA had approximately $3.5 trillion of life reinsurance in force and assets
of $92.2 billion.
This Statement is provided on behalf of RGA and its global subsidiaries, specifically RGA
International Reinsurance Company dac and RGA UK Services Limited (together “RGA UK”) andRGA Reinsurance Company of Australia Limited (“RGA Australia”). This Statement has been
prepared in consultation with representatives of RGA UK and RGA Australia (further details below
under Consultation).
For the purposes of the Australian Modern Slavery Act 2018, RGA Australia is the only reporting
entity covered by this Statement. Information addressing the mandatory criteria set out in section 16of the Modern Slavery Act 2018 as it relates to RGA Australia is specified in Appendix A to thisStatement.
For the purpose of Section 54(1) of the United Kingdom Modern Slavery Act 2015, RGA UK is the
only commercial organisiation covered by this statement.

Our Supply Chains
RGA procures goods and services to enable our delivery of life reinsurance and financial solutions
services to our clients.

2During 2021, RGA engaged a number of suppliers including professional associations, consulting
services and investment management services, as well as suppliers of buildings and maintenance,
professional education, desktop tools (phones, computers, printers, software and other supplies),
information technology, record and data storage, travel, and miscellaneous freight, mail andpostage.

We have identified the following key supply chain categories:
 Professional services
 Premises and facilities
 Banking Travel and accommodation
 Information technology (software and hardware) Human resources and staffing services
 Print and mail management
 Investment management

Modern Slavery Risks in our Supply Chains
Due to the nature of RGA’s business, we are not exposed to high-risk supply chains and the riskof slavery occurring in these supply chains is low.
However, as with all supply chains, our supply chains are multi-layered and we acknowledge that
there are certain sectors, geographic locations, services and products which carry a higher risk ofmodern slavery or human trafficking than others. We have sought to address these risks through theactions articulated below and are committed to maintaining and improving our rigorous procurement
standards.

Actions Taken to Assess and Address Modern Slavery Risks
RGA has implemented a governance framework that is reviewed and approved by the Executive
Committee, updated regularly and applied consistently across all global subsidiaries.

Code of Conduct
The principles and rules contained within our Code of Conduct have been developed to serve as aset of guidelines for operating at the highest level of ethical behaviour. A core value required of ourCode of Conduct is integrity, which requires honesty, fairness, trustworthiness, obeying laws andregulations and reporting concerns about compliance. Instilling such values in our workforce
members assists RGA to address and eliminate the risks of modern slavery in our business
operations.
Our workforce members are required to complete the online Code of Conduct training oncommencement with RGA, and annually thereafter. This training includes an individual attestation byeach workforce member that he or she understands the responsibility to comply with the rules andprinciples (including issues relating to human rights) listed in the Code. Failure of any workforce3member to comply with the Code may result in disciplinary measures up to and includingtermination.

Speak-Up Policy
Our Speak-Up Policy ensures RGA adheres to the highest ethical standards in all its businessdealings by encouraging our workforce members to report any violation of law, rule, regulation, RGA
policy or RGA’s Code of Conduct either online, by phone or by email.
The Speak-Up Policy aims to encourage all workforce members to challenge all improper, unethical,
or inappropriate behaviour identified at RGA or within our supply chains through the availability ofanonymous reporting. The objective of this policy is to provide a consistent mechanism for reportingand investigating any suspected breaches, which would include those relating to modern slavery or
human trafficking.

Human Rights Policy
RGA recognises the importance of maintaining and promoting fundamental human rights
everywhere we operate and do business. Our Human Rights Policy reflects our commitment toensuring transparency in our business and in our approach to tackling the risk of human rights
abuses, modern slavery and human trafficking throughout our supply chains.
Annual training is provided to workforce members on many of the standards and principles referred
to in the Human Rights Policy.

Vendor Risk Management Policy
RGA retains accountability for all business risks inherent in the business processes that our vendors
and suppliers support. Our Vendor Risk Management Policy provides accountability within RGA anda formal process for carrying out vendor due diligence and escalating high-risk findings.
RGA expects its vendors to follow RGA’s high standards and conduct their business in an ethicalmanner.

RGA UK and RGA Australia additional measures
While we can perform due diligence in relation to our immediate suppliers, we have less visibility andcontrol over the business operations of the suppliers of our suppliers. In an effort to address this,RGA UK and RGA Australia request the insertion of a clause into all supplier contracts requiring
suppliers to agree to take reasonable measures to ensure that modern slavery and human trafficking
practices do not occur in their supply chains.

Assessing the Effectiveness of Our Actions
RGA acknowledges that the assessment of the effectiveness of our actions is an ongoing andevolving process.
We continue to monitor the effectiveness of the policies and procedures we have implemented inorder to address the risk of modern slavery and we review these policies and processes on aregular basis.

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Appendix A
RGA Reinsurance Company of Australia Limited

Our Structure
RGA Reinsurance Company of Australia Limited ABN 14 072 292 712 (“RGA Australia”) is acompany incorporated in Australia and is a reporting entity under the Modern Slavery Act 2018 (“theAct”).
Reinsurance Group of America, Incorporated (“RGA Incorporated”) is a company incorporated inMissouri, United States of America and is the ultimate parent company of RGA Australia. RGA
Incorporated is not a reporting entity under the Act.
This Appendix A of the Statement addresses the mandatory criteria set out in section 16 of the Act
as it relates to RGA Australia.

Our Operations
RGA Australia is a life reinsurance company that is registered under the Life Insurance Act 1995.
RGA Australia also operates as a life reinsurer in New Zealand via its New Zealand branch. RGA
Australia is regulated by the Australia Prudential Regulation Authority and the Reserve Bank of NewZealand.
As a life reinsurer (as opposed to an insurer), RGA Australia’s only clients are life insurancecompanies. We do not carry on any business, nor do we have any direct contact, with consumers orretail clients.
RGA Australia has operated in Australia since 1996 and currently has approximately 110 workforce
members and offices located in Sydney, Melbourne and Wellington.

Our Supply Chains
As per the Statement.

Modern Slavery Risks in our Supply Chains
There is not a high presence of modern slavery associated with: the sector or industry in which RGA Australia operates;
 the services RGA Australia provides; or the countries within which RGA Australia operates.
However, as with all supply chains, our supply chains are multi-layered and we acknowledge that
there are certain sectors, geographic locations, services and products within those supply chains
which carry a higher risk of modern slavery or human trafficking than others. RGA Incorporated andRGA Australia have sought to address these through the actions articulated below and arecommitted to maintaining and improving our rigorous procurement standards.

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Actions Taken to Assess and Address Modern Slavery Risks
While we have a level of oversight in relation to our immediate suppliers, we have less visibility orcontrol over the business operations of the suppliers of our suppliers. In an effort to address this,RGA Australia requests the insertion of a clause into all supplier contracts in which suppliers agree
to take reasonable measures to ensure that modern slavery and human trafficking practices do notoccur in their supply chains.
As per the Statement, RGA Australia also adheres to the governance framework established byRGA Inc including strict compliance with the Code of Conduct, Speak-Up Policy, Human Rights
Policy and Vendor Risk Management Policy.
In 2022, RGA Australia will issue a Modern Slavery Policy, which will apply to RGA Australia’sworkforce specifically. The policy will amend the Code of Conduct and the Speak-Up Policy,
Human Rights Policy and Vendor Risk Management Policy, as they apply to workforce membersof RGA Australia, to include specific and targeted measures aimed at addressing the risk ofmodern slavery occurring at RGA Australia or in our supply chains.

Assessing the Effectiveness of Our Actions
RGA Australia acknowledges that the assessment of the effectiveness of our actions is an
ongoing and evolving process.
The RGA Group continues to monitor the effectiveness of the policies and procedures that havebeen implemented in order to address the risk of modern slavery. These policies and processes
are reviewed on a regular basis.
In assessing the effectiveness of the actions taken by RGA Australia to assess and address therisks of modern slavery, RGA Australia has relied on the fact that no material modern slavery
incidents were identified within our immediate supply chain during the reporting period. RGA
Australia will continue to work collaboratively with suppliers and other external partners to identify
and address the risk of modern slavery within our supply chains.

Looking Ahead

In addition to the measures outlined in the Statement, over the coming year RGA Australia will
review our procedures relating to the insertion of a modern slavery clause into all our suppliercontracts to assess the effectiveness of this measure and identify areas for improvement.
We will also develop and implement a Modern Slavery Policy that will apply to all workforce
members of RGA Australia.

Consultation and Approval
RGA Australia does not own or control any other entity.
Both the Statement and this Appendix were prepared by a team of representatives from RGA
Incorporated, RGA UK and RGA Australia in consultation with the Risk and Legal functions ofRGA UK and RGA Australia with input from representatives from the Procurement, HumanResources, Risk & Compliance, Corporate Responsibility & Sustainability and Talent Acquisition& Inclusion functions of RGA Incorporated.
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The Statement and this Appendix were reviewed and approved by the Board of RGA Australia,
being the principal governing body of the only reporting entity covered by this Statement, on 11
May 2022.

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