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<TITLE>Reinsurance Group of America, Incorporated Form S-8; Flexible Stock Plan</TITLE>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>As
filed with the Securities and Exchange Commission on October 5, 2004 </FONT></TD>
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     <TD ALIGN=right><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Registration No. 333-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;  </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>UNITED STATES</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>SECURITIES AND EXCHANGE COMMISSION</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>Washington, D.C. 20549</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>FORM S-8</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>REGISTRATION STATEMENT</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>UNDER</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>THE SECURITIES ACT OF 1933</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>REINSURANCE GROUP OF AMERICA, INCORPORATED</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>(Exact name of registrant as specified in its charter)</FONT></TD>
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     <TD WIDTH=50% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>Missouri</B></FONT></TD>
     <TD WIDTH=50% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>43-1627032</B></FONT></TD>
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     <TD WIDTH=50% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>(State or other jurisdiction of<BR>incorporation or organization) </FONT></TD>
     <TD WIDTH=50% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>(I.R.S. Employer<BR>Identification No.)</FONT></TD>
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     <TD WIDTH=50% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>1370 Timberlake Manor Parkway<BR>Chesterfield, Missouri</B> </FONT></TD>
     <TD WIDTH=50% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>63017-6039</B></FONT></TD>
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     <TD WIDTH=50% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>(Address of Principal Executive Offices)  </FONT></TD>
     <TD WIDTH=50% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>(Zip Code)</FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>Reinsurance Group of America, Incorporated Flexible Stock Plan</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>(Full title of the plans)</FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>JACK B. LAY</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>Executive Vice President and Chief Financial Officer<BR>
                                              Reinsurance Group of America, Incorporated<BR>
                                                     1370 Timberlake Manor Parkway<BR>
                                                   Chesterfield, Missouri 63017-6039<BR>
                                                            (636) 736-7000</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>(Name, address and telephone number of agent for service)</FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Copy to:</FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>R. RANDALL WANG, ESQ.</B> </FONT></TD>
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     <TD ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>Bryan Cave LLP<BR>
                                                    211 North Broadway, Suite 3600<BR>
                                                    St. Louis, Missouri 63102-2750<BR>
                                                            (314) 259-2000</B> </FONT></TD>
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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>CALCULATION OF REGISTRATION FEE</FONT></H1>
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     <TD WIDTH=20% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Title of<BR>Securities<BR>to be<BR>Registered </FONT></TD>
     <TD WIDTH=20% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Amount<BR>of Shares<BR>to be<BR>Registered <sup>(1)</sup> </FONT></TD>
     <TD WIDTH=20% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Proposed<BR>Maximum<BR>Offering Price<BR>per Share <sup>(2)</sup> </FONT></TD>
     <TD WIDTH=20% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Proposed<BR>Maximum<BR>Aggregate<BR>Offering<BR>Price <sup>(2)</sup> </FONT></TD>
     <TD WIDTH=20% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Amount of<BR>Registration<BR>Fee <sup>(2)(3)</sup> </FONT></TD>
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     <TD WIDTH=20%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Common Stock,<BR>par value $0.01 per share </FONT></TD>
     <TD WIDTH=20% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>3,745,840</FONT></TD>
     <TD WIDTH=20% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>$40.83</FONT></TD>
     <TD WIDTH=20% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>$152,942,648</FONT></TD>
     <TD WIDTH=20% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>$19,378</FONT></TD>
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          <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1) </FONT></TD>
          <TD WIDTH=97%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
          This Registration Statement also covers such additional shares of Common Stock
          of the Registrant as may be issuable pursuant to anti-dilution provisions of the
          Reinsurance Group of America, Incorporated Flexible Stock Plan. Pursuant to Rule
          416(a) of the Securities Act of 1933, as amended (the &#147;Securities
          Act&#148;), this Registration Statement shall also cover any additional shares
          of the Registrant&#146;s Common Stock that become issuable under the options
          covered hereby by reason of any stock dividend, stock split, recapitalization or
          other similar transaction effected without the receipt of consideration that
          increases the number of the Registrant&#146;s outstanding shares of Common
          Stock. </FONT></P></TD>
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          <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2) </FONT></TD>
          <TD WIDTH=97%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
          Pursuant to Rule 457(c) and Rule 457(h), the Proposed Maximum Offering Price Per
          Share and the Proposed Maximum Aggregate Offering Price are computed on the
          basis of the average of the high and low trading prices for the Common Stock on
          September 28, 2004, as reported on the New York Stock Exchange. </FONT></P></TD>
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          <TD ALIGN=LEFT WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3) </FONT></TD>
          <TD WIDTH=97%><P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>
          A registration fee of $7,574 was paid in connection with the registration of
          1,856,250 shares of Common Stock (File No. 33-62274), a registration fee of
          $4,999 was paid in connection with the registration of 512,487 shares of Common
          Stock (File No. 333-51621) and a registration fee of $1,474 was paid in
          connection with the registration of 145,500 shares of Common Stock (File No.
          333-66405), reserved for issuance under the Reinsurance Group of America,
          Incorporated Flexible Stock Plan. (The number of shares originally registered
          has been adjusted to give effect to the Registrant&#146;s three-for-two stock
          splits effected in August 1997 and March 1999.) This Registration Statement
          registers an additional 3,745,840 shares of Common Stock that have become
          available for issuance under the Reinsurance Group of America, Incorporated
          Flexible Stock Plan since the filing dates of the prior Registration Statements. </FONT></P></TD>
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<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=3>(i)</font></p>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Incorporation by
Reference of Previous Registration Statements </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Registrant registered 1,856,250 shares of Common Stock, which are issuable under the
Reinsurance Group of America, Incorporated Flexible Stock Plan (the &#147;Plan&#148;), on
a Registration Statement on Form S-8 (File No. 33-62274), filed by the Registrant with the
Securities and Exchange Commission (the &#147;Commission&#148;) on May 6, 1993, 512,847
shares of Common Stock, which are issuable under the Plan, on a Registration Statement on
Form S-8 (File No. 333-51621), filed by the Registrant with the Commission on May 1, 1998
and 145,500 shares of Common Stock, which are issuable under the Plan, on a Registration
Statement on Form S-8 (File No. 333-66405), filed by the Registrant with the Commission on
October 30, 1998. The number of shares of Common Stock originally registered has been
adjusted to give effect to the Registrant&#146;s three-for-two stock splits effected in
August 1997 and March 1999. This Registration Statement registers an additional 3,745,840
shares of Common Stock that have become available for issuance under the Plan since the
filing dates of the prior Registration Statements. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the instructions to Form S-8, the contents of the Registration Statement on Form S-8
(File No. 33-62274), the Registration Statement on Form S-8 (File No. 333-51621) and the
Registration Statement on Form S-8 (File No. 333-66405) are incorporated by reference
hereto, except to the extent superceded hereby. </FONT></P>

<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>
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<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=3>1</font></p>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>SIGNATURES </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, the Registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8
and has duly caused this Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in the City of Chesterfield, State of Missouri, on
this 5<SUP>th</SUP> day of October, 2004. </FONT></P>

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     <TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </FONT></TD>
     <TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=3><B>REINSURANCE GROUP OF AMERICA, INCORPORATED</B> </FONT></TD>
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     <TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </FONT></TD>
     <TD WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>By: </FONT></TD>
     <TD WIDTH=47%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;/s/ Jack B. Lay </FONT><HR SIZE=1 NOSHADE> </TD>
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     <TD WIDTH=50%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </FONT></TD>
     <TD WIDTH=3%><FONT FACE="Times New Roman, Times, Serif" SIZE=3> </FONT></TD>
     <TD WIDTH=47%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Jack B. Lay<BR>
Executive Vice President and Chief Financial Officer </FONT></TD>
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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>POWER OF ATTORNEY </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW
ALL MEN BY THESE PRESENTS, that each person whose signature appears below hereby
constitutes and appoints Jack B. Lay and James E. Sherman, or either of them, his
attorneys-in-fact and agents, each with full power of substitution for him and in his
name, place and stead, in any and all capacities, to sign any or all amendments
(including, without limitation, post-effective amendments and documents in connection
therewith) to this Registration Statement, and to file the same with all exhibits thereto
and other documents in connection therewith, with the Securities and Exchange Commission,
granting unto each of said attorneys-in-fact and agents full power and authority to do so
and perform each and every act and thing requisite and necessary to be done in connection
with this Registration Statement, as fully to all intents and purposes as he might or
could do in person, hereby ratifying and confirming all that either of said
attorneys-in-fact and agents, or his substitute or substitutes, may lawfully do or cause
to be done by virtue hereof. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the requirements of the Securities Act of 1933, this Registration Statement has been
signed by the following persons in the capacities and on the dates indicated. </FONT></P>

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     <TD WIDTH=35% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><U>Signature</U> </FONT></TD>
     <TD WIDTH=35% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><U>Title</U> </FONT></TD>
     <TD WIDTH=30% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><U>Date</U> </FONT></TD>
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     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;/s/ A. Greig Woodring </FONT><HR SIZE=1 NOSHADE WIDTH=80% ALIGN=LEFT> </TD>
     <TD WIDTH=35% ROWSPAN=2><FONT FACE="Times New Roman, Times, Serif" SIZE=3>President, Chief Executive Officer and<BR>
Director (Principal Executive Officer)  </FONT></TD>
     <TD WIDTH=30% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>October 5, 2004 </FONT></TD>
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     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>A. Greig Woodring </FONT></TD>
     <TD WIDTH=30%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
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     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; /s/ William J. Bartlett</FONT><HR SIZE=1 NOSHADE WIDTH=80% ALIGN=LEFT> </TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Director </FONT></TD>
     <TD WIDTH=30% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>October 5, 2004 </FONT></TD>
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     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>William J. Bartlett </FONT></TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
     <TD WIDTH=30%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
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     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;/s/ J. Cliff Eason </FONT><HR SIZE=1 NOSHADE WIDTH=80% ALIGN=LEFT> </TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Director </FONT></TD>
     <TD WIDTH=30% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>October 5, 2004 </FONT></TD>
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     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>J. Cliff Eason </FONT></TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
     <TD WIDTH=30%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
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     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;/s/ Stuart I. Greenbaum </FONT><HR SIZE=1 NOSHADE WIDTH=80% ALIGN=LEFT> </TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Director </FONT></TD>
     <TD WIDTH=30% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>October 5, 2004 </FONT></TD>
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     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Stuart I. Greenbaum</FONT></TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
     <TD WIDTH=30%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
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     <TD WIDTH=35% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><U>Signature</U> </FONT></TD>
     <TD WIDTH=35% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><U>Title</U> </FONT></TD>
     <TD WIDTH=30% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3><U>Date</U> </FONT></TD>
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     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;/s/ Alan C. Henderson </FONT><HR SIZE=1 NOSHADE WIDTH=80% ALIGN=LEFT> </TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Director </FONT></TD>
     <TD WIDTH=30% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>October 5, 2004 </FONT></TD>
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     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Alan C. Henderson</FONT></TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
     <TD WIDTH=30%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
</TR>
</TABLE>
<BR>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 WIDTH=100%>
<TR>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;/s/ Leland C. Launer Jr. </FONT><HR SIZE=1 NOSHADE WIDTH=80% ALIGN=LEFT> </TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Director </FONT></TD>
     <TD WIDTH=30% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>October 5, 2004 </FONT></TD>
</TR>
<TR>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Leland C. Launer Jr.</FONT></TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
     <TD WIDTH=30%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
</TR>
</TABLE>
<BR>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 WIDTH=100%>
<TR>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;/s/ Joseph A. Reali</FONT><HR SIZE=1 NOSHADE WIDTH=80% ALIGN=LEFT> </TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Director </FONT></TD>
     <TD WIDTH=30% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>October 5, 2004 </FONT></TD>
</TR>
<TR>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Joseph A. Reali</FONT></TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
     <TD WIDTH=30%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
</TR>
</TABLE>
<BR>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 WIDTH=100%>
<TR>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;/s/ Lisa M. Weber </FONT><HR SIZE=1 NOSHADE WIDTH=80% ALIGN=LEFT> </TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Director </FONT></TD>
     <TD WIDTH=30% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>October 5, 2004 </FONT></TD>
</TR>
<TR>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Lisa M. Weber</FONT></TD>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
     <TD WIDTH=30%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
</TR>
</TABLE>
<BR>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 WIDTH=100%>
<TR>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;/s/ Jack B. Lay </FONT><HR SIZE=1 NOSHADE WIDTH=80% ALIGN=LEFT> </TD>
     <TD WIDTH=35% ROWSPAN=2><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Executive Vice President and Chief<BR> Financial
                                     Officer (Principal Financial and<BR> Accounting Officer)</FONT></TD>
     <TD WIDTH=30% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>October 5, 2004 </FONT></TD>
</TR>
<TR>
     <TD WIDTH=35%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Jack B. Lay</FONT></TD>
     <TD WIDTH=30%><FONT FACE="Times New Roman, Times, Serif" SIZE=3></FONT></TD>
</TR>
</TABLE>
<BR>
<BR><BR><BR><BR><BR><BR><BR><BR><BR><BR><BR>
<!-- MARKER FORMAT-SHEET="Para Large Indent" FSL="Default" -->
<P align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=3>3</font></p>

<page>
<BR>
<BR>

<!-- MARKER FORMAT-SHEET="Head Major Center Bold" FSL="Default" -->
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>INDEX TO EXHIBITS</FONT></H1>

<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 width=100%>
<TR VALIGN=BOTTOM>
     <TD width=10% ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Exhibit<BR><U>Number</U> </font></TD>
     <TD width=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </font></TD>
     <TD width=85%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exhibit </U></font></TD>
</TR>
</TABLE>
<BR>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 width=100%>
<TR>
     <TD width=7% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=3>5.1 </font></TD>
     <TD width=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </font></TD>
     <TD width=88%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Opinion of James E. Sherman, Esq. </font></TD>
</TR>
</TABLE>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 width=100%>
<TR valign=top>
     <TD width=7% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=3>10.1 </font></TD>
     <TD width=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </font></TD>
     <TD width=88%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Reinsurance  Group of  America,  Incorporated  Flexible  Stock  Plan,  as  amended  and  restated
                     effective July 1, 1998  (incorporated by reference to Exhibit 10.12 to the  registrant's  Annual
                     Report on Form 10-K, filed with the Securities and Exchange  Commission on March 12, 2004) (File
                     No. 001-11848) </font></TD>
</TR>
</TABLE>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 width=100%>
<TR valign=top>
     <TD width=7% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=3>10.2 </font></TD>
     <TD width=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </font></TD>
     <TD width=88%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Amendment  effective  as of May 24,  2000  to the  Reinsurance  Group  of  America,  Incorporated
                     Flexible Stock Plan, as amended and restated July 1, 1998  (incorporated by reference to Exhibit
                     10.13 to the  registrant's  Annual Report on Form 10-K,  filed with the  Securities and Exchange
                     Commission on March 12, 2004) (File No. 001-11848)</font></TD>
</TR>
</TABLE>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 width=100%>
<TR valign=top>
     <TD width=7% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=3>10.3 </font></TD>
     <TD width=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </font></TD>
     <TD width=88%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Second Amendment  effective as of May 28, 2003 to the Reinsurance Group of America,  Incorporated
                     Flexible Stock Plan, as amended and restated July 1, 1998  (incorporated by reference to Exhibit
                     10.14 to the  registrant's  Annual Report on Form 10-K,  filed with the  Securities and Exchange
                     Commission on March 12, 2004) (File No. 001-11848)</font></TD>
</TR>
</TABLE>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 width=100%>
<TR valign=top>
     <TD width=7% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=3>10.4 </font></TD>
     <TD width=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </font></TD>
     <TD width=88%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Third Amendment  effective as of May 26, 2004 to the Reinsurance  Group of America,  Incorporated
                     Flexible Stock Plan, as amended and restated July 1, 1998 (incorporated by reference to Exhibit
                     10.1 to the  registrant's  Quarterly  Report on Form 10-Q,  filed with the  Securities  and Exchange
                     Commission on August 6, 2004) (File No. 001-11848)</font></TD>
</TR>
</TABLE>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 width=100%>
<TR>
     <TD width=7% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=3>23.1 </font></TD>
     <TD width=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </font></TD>
     <TD width=88%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Consent of Independent Registered Public Accounting Firm </font></TD>
</TR>
</TABLE>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 width=100%>
<TR>
     <TD width=7% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=3>23.2 </font></TD>
     <TD width=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </font></TD>
     <TD width=88%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Consent of James E. Sherman, Esq. (included in Exhibit 5.1) </font></TD>
</TR>
</TABLE>
<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 width=100%>
<TR>
     <TD width=7% ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=3>24.1 </font></TD>
     <TD width=5%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>&nbsp; </font></TD>
     <TD width=88%><FONT FACE="Times New Roman, Times, Serif" SIZE=3>Power of Attorney (included on signature page) </font></TD>
</TR>
</TABLE>
<BR>


</BODY>
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{"company-data": {"conformed-name": "REINSURANCE GROUP OF AMERICA INC", "cik": "0000898174", "assigned-sic": "6321", "irs-number": "431627032", "state-of-incorporation": "MO", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-119543", "film-number": "041066298"}, "business-address": {"street1": "1370 TIMBERLAKE MANOR PARKWAY", "city": "CHESTERFIELD", "state": "MO", "zip": "63017-6039", "phone": "6367367000"}, "mail-address": {"street1": "1370 TIMBERLAKE MANOR PARKWAY", "city": "CHESTERFIELD", "state": "MO", "zip": "63017-6039"}}
Reinsurance Group of America, Incorporated Form S-8; Flexible Stock Plan
As
filed with the Securities and Exchange Commission on October 5, 2004
Registration No. 333-
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF 1933
REINSURANCE GROUP OF AMERICA, INCORPORATED
(Exact name of registrant as specified in its charter)
Missouri
43-1627032
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification No.)
1370 Timberlake Manor Parkway
Chesterfield, Missouri
63017-6039
(Address of Principal Executive Offices)
(Zip Code)
Reinsurance Group of America, Incorporated Flexible Stock Plan
(Full title of the plans)
JACK B. LAY
Executive Vice President and Chief Financial Officer
Reinsurance Group of America, Incorporated
1370 Timberlake Manor Parkway
Chesterfield, Missouri 63017-6039
(636) 736-7000
(Name, address and telephone number of agent for service)
Copy to:
R. RANDALL WANG, ESQ.
Bryan Cave LLP
211 North Broadway, Suite 3600
St. Louis, Missouri 63102-2750
(314) 259-2000
CALCULATION OF REGISTRATION FEE
Title of
Securities
to be
Registered
Amount
of Shares
to be
Registered
(1)
Proposed
Maximum
Offering Price
per Share
(2)
Proposed
Maximum
Aggregate
Offering
Price
(2)
Amount of
Registration
Fee
(2)(3)
Common Stock,
par value $0.01 per share
3,745,840
$40.83
$152,942,648
$19,378
(1)
This Registration Statement also covers such additional shares of Common Stock
          of the Registrant as may be issuable pursuant to anti-dilution provisions of the
          Reinsurance Group of America, Incorporated Flexible Stock Plan. Pursuant to Rule
          416(a) of the Securities Act of 1933, as amended (the "Securities
          Act"), this Registration Statement shall also cover any additional shares
          of the Registrant's Common Stock that become issuable under the options
          covered hereby by reason of any stock dividend, stock split, recapitalization or
          other similar transaction effected without the receipt of consideration that
          increases the number of the Registrant's outstanding shares of Common
          Stock.
(2)
Pursuant to Rule 457(c) and Rule 457(h), the Proposed Maximum Offering Price Per
          Share and the Proposed Maximum Aggregate Offering Price are computed on the
          basis of the average of the high and low trading prices for the Common Stock on
          September 28, 2004, as reported on the New York Stock Exchange.
(3)
A registration fee of $7,574 was paid in connection with the registration of
          1,856,250 shares of Common Stock (File No. 33-62274), a registration fee of
          $4,999 was paid in connection with the registration of 512,487 shares of Common
          Stock (File No. 333-51621) and a registration fee of $1,474 was paid in
          connection with the registration of 145,500 shares of Common Stock (File No.
          333-66405), reserved for issuance under the Reinsurance Group of America,
          Incorporated Flexible Stock Plan. (The number of shares originally registered
          has been adjusted to give effect to the Registrant's three-for-two stock
          splits effected in August 1997 and March 1999.) This Registration Statement
          registers an additional 3,745,840 shares of Common Stock that have become
          available for issuance under the Reinsurance Group of America, Incorporated
          Flexible Stock Plan since the filing dates of the prior Registration Statements.
(i)
Incorporation by
Reference of Previous Registration Statements
The
Registrant registered 1,856,250 shares of Common Stock, which are issuable under the
Reinsurance Group of America, Incorporated Flexible Stock Plan (the "Plan"), on
a Registration Statement on Form S-8 (File No. 33-62274), filed by the Registrant with the
Securities and Exchange Commission (the "Commission") on May 6, 1993, 512,847
shares of Common Stock, which are issuable under the Plan, on a Registration Statement on
Form S-8 (File No. 333-51621), filed by the Registrant with the Commission on May 1, 1998
and 145,500 shares of Common Stock, which are issuable under the Plan, on a Registration
Statement on Form S-8 (File No. 333-66405), filed by the Registrant with the Commission on
October 30, 1998. The number of shares of Common Stock originally registered has been
adjusted to give effect to the Registrant's three-for-two stock splits effected in
August 1997 and March 1999. This Registration Statement registers an additional 3,745,840
shares of Common Stock that have become available for issuance under the Plan since the
filing dates of the prior Registration Statements.
Pursuant
to the instructions to Form S-8, the contents of the Registration Statement on Form S-8
(File No. 33-62274), the Registration Statement on Form S-8 (File No. 333-51621) and the
Registration Statement on Form S-8 (File No. 333-66405) are incorporated by reference
hereto, except to the extent superceded hereby.
1
SIGNATURES
Pursuant
to the requirements of the Securities Act of 1933, the Registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8
and has duly caused this Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in the City of Chesterfield, State of Missouri, on
this 5
th
day of October, 2004.
REINSURANCE GROUP OF AMERICA, INCORPORATED
By:
/s/ Jack B. Lay
Jack B. Lay
Executive Vice President and Chief Financial Officer
POWER OF ATTORNEY
KNOW
ALL MEN BY THESE PRESENTS, that each person whose signature appears below hereby
constitutes and appoints Jack B. Lay and James E. Sherman, or either of them, his
attorneys-in-fact and agents, each with full power of substitution for him and in his
name, place and stead, in any and all capacities, to sign any or all amendments
(including, without limitation, post-effective amendments and documents in connection
therewith) to this Registration Statement, and to file the same with all exhibits thereto
and other documents in connection therewith, with the Securities and Exchange Commission,
granting unto each of said attorneys-in-fact and agents full power and authority to do so
and perform each and every act and thing requisite and necessary to be done in connection
with this Registration Statement, as fully to all intents and purposes as he might or
could do in person, hereby ratifying and confirming all that either of said
attorneys-in-fact and agents, or his substitute or substitutes, may lawfully do or cause
to be done by virtue hereof.
Pursuant
to the requirements of the Securities Act of 1933, this Registration Statement has been
signed by the following persons in the capacities and on the dates indicated.
Signature
Title
Date
/s/ A. Greig Woodring
President, Chief Executive Officer and
Director (Principal Executive Officer)
October 5, 2004
A. Greig Woodring
/s/ William J. Bartlett
Director
October 5, 2004
William J. Bartlett
/s/ J. Cliff Eason
Director
October 5, 2004
J. Cliff Eason
/s/ Stuart I. Greenbaum
Director
October 5, 2004
Stuart I. Greenbaum
2
Signature
Title
Date
/s/ Alan C. Henderson
Director
October 5, 2004
Alan C. Henderson
/s/ Leland C. Launer Jr.
Director
October 5, 2004
Leland C. Launer Jr.
/s/ Joseph A. Reali
Director
October 5, 2004
Joseph A. Reali
/s/ Lisa M. Weber
Director
October 5, 2004
Lisa M. Weber
/s/ Jack B. Lay
Executive Vice President and Chief
Financial
                                     Officer (Principal Financial and
Accounting Officer)
October 5, 2004
Jack B. Lay
3
INDEX TO EXHIBITS
Exhibit
Number
Exhibit
5.1
Opinion of James E. Sherman, Esq.
10.1
Reinsurance  Group of  America,  Incorporated  Flexible  Stock  Plan,  as  amended  and  restated
                     effective July 1, 1998  (incorporated by reference to Exhibit 10.12 to the  registrant's  Annual
                     Report on Form 10-K, filed with the Securities and Exchange  Commission on March 12, 2004) (File
                     No. 001-11848)
10.2
Amendment  effective  as of May 24,  2000  to the  Reinsurance  Group  of  America,  Incorporated
                     Flexible Stock Plan, as amended and restated July 1, 1998  (incorporated by reference to Exhibit
                     10.13 to the  registrant's  Annual Report on Form 10-K,  filed with the  Securities and Exchange
                     Commission on March 12, 2004) (File No. 001-11848)
10.3
Second Amendment  effective as of May 28, 2003 to the Reinsurance Group of America,  Incorporated
                     Flexible Stock Plan, as amended and restated July 1, 1998  (incorporated by reference to Exhibit
                     10.14 to the  registrant's  Annual Report on Form 10-K,  filed with the  Securities and Exchange
                     Commission on March 12, 2004) (File No. 001-11848)
10.4
Third Amendment  effective as of May 26, 2004 to the Reinsurance  Group of America,  Incorporated
                     Flexible Stock Plan, as amended and restated July 1, 1998 (incorporated by reference to Exhibit
                     10.1 to the  registrant's  Quarterly  Report on Form 10-Q,  filed with the  Securities  and Exchange
                     Commission on August 6, 2004) (File No. 001-11848)
23.1
Consent of Independent Registered Public Accounting Firm
23.2
Consent of James E. Sherman, Esq. (included in Exhibit 5.1)
24.1
Power of Attorney (included on signature page)