RISK COMMITTEE CHARTER
REINSURANCE GROUP OF AMERICA, INCORPORATEDI.

Role of the Committee

The Risk Committee (the “Committee”) of Reinsurance Group of America, Incorporated(“Company”) was established by the Board of Directors (“Board”) to assist the Board with its
oversight responsibilities by promoting best practices with regard to risk management. The RiskCommittee will review and oversee management’s enterprise risk management programs andpolicies, and monitor risks relating to the Company’s business, operations, compliance, reputationand ethics.
II.

Qualifications and Appointment of Committee MembersThe Nominating and Governance Committee will review and evaluate the qualifications ofdirectors to serve as members of the Committee. Upon the recommendation of the Nominatingand Governance Committee, the Board will appoint Committee members and a Chair of theCommittee. Committee members serve at the pleasure of the Board and for such term(s) as theBoard may determine.
The Committee shall have no fewer than three members, and may include the Chief Executive
Officer. The Board shall appoint a Chairman of the Committee.
III.

Committee Duties and Responsibilities

The Committee’s general duties and responsibilities include the areas and items listed below. This
list is not exclusive and may be expanded at the discretion of the Committee.
A. Risk Management
Review with management and monitor the implementation of the Company’s enterprise risk
management programs in the context of the Company’s overall business strategy, operations,
global business and risk exposures, and industry, including (without limitation):1.

the Company’s risk appetites and tolerances to undesired outcomes and how these
relate to strategic objectives and operational risk limits and controls;2.

underwriting and pricing of reinsurance and claims management, including new
products or lines of business that are likely to impact the Company’s risk profile;3.

risks related to external financial market related events;

4.

the Company’s insurance related risks, including retention of insured risk andcatastrophe exposures;

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operational risks, including business continuity and contingency plans and executivecrisis management for the Company and its business operations;6.

strategic risks, including climate change and impacts on the Company’s overall strategy
and reputation; and7.

any other potential, emerging or ongoing risks or risk-related issues that may beconsidered on an ad hoc basis upon the recommendation of management, theCommittee or the Board.

B. Enterprise Risk Management Function
The Company’s chief risk officer is accountable to the Committee and shall make periodic reports
to the Committee, including discussion of all significant reports to management prepared by risk
management personnel. The chief risk officer will from time to time discuss with the Committee
other risk and operational issues as well as matters affecting the enterprise risk management
function.
IV.

Authority

The Committee will have the resources and authority necessary to discharge its duties andresponsibilities. The Committee has sole authority to retain and terminate experts or consultants,
as it deems necessary to carry out its duties. The Committee may form and delegate authority tosubcommittees and may delegate authority to one or more designated members of the Committee.
V.

Meetings and Reports to the Board of Directors

The Committee will meet as frequently as it deems necessary or appropriate to carry out its duties
and responsibilities. The Committee will be governed by the same rules regarding meetings, action
without meetings, notice, waiver of notice, and quorum and voting requirements as are applicableto the Board. The committee is authorized and empowered to adopt its own rules of procedure
consistent with (a) any provision hereof, (b) any provision of the Bylaws of the Company, or (c)the laws of the state of Missouri.
The Committee shall report its activities to the Board of Directors when and with such
recommendations as deemed appropriate or required. The Committee may invite to its meetings
any director, officer, advisor or such other persons as it deems appropriate to discharge itsresponsibilities.
VI.

Annual Evaluation

The Committee shall participate in the annual evaluation process conducted by the Board. TheCommittee shall periodically review the adequacy of this charter and recommend to the Board any
revisions the Committee deems necessary or desirable.

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VII. Amendment
The Board shall have the sole authority to amend this charter.

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