SHAREHOLDER INFORMA TION Transfer Agent: Independent Auditors: Annual Report on Form 10-K: Mellon Human Resources and Investor Solutions, L.L.C. Overpeck Centre 85 Challenger Road Ridgefield Park, New Jersey 07660 U.S.A. t. 888.213.0965 http://www.chasemellon.com Deloitte and Touche LLP Reinsurance Group of America, Incorporated  files with the Securities and Exchange Commission an Annual Report (Form 10-K).  Shareholders may obtain a copy of the Form 10-K  without charge by writing to: Jack B. Lay Chief Financial Officer 1370 Timberlake Manor Parkway Chesterfield, Missouri 63017-6039 U.S.A. Shareholders may contact us through our Internet site at http://www.rgare.com or may email us at investrelations@rgare.com RGA logo is a registered mark in the United States and Canada.  84 THIS IS RGA. 2003 ANNUAL REPORT