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                          Financial Strength Ratings

                          RGA SubsidiaryS&P Global Ratings A.M. Best CompanyMoody's Investors Service
                          RGA Reinsurance
                          AA- (Very Strong)A+ (Superior)A1 (Good)
                          RGA Americas Reinsurance 
                          Company, Ltd.
                          AA- (Very Strong)A+ (Superior) 
                          RGA Life Reinsurance
                          Company of Canada
                          AA- (Very Strong)A+ (Superior) 
                          RGA Reinsurance Company
                          of Australia Limited
                          AA- (Very Strong)  
                          RGA International Reinsurance
                          Company dac    
                          AA- (Very Strong)  
                          RGA Global Reinsurance
                          Company, Ltd.
                          AA- (Very Strong)  
                          RGA Atlantic Reinsurance 
                          Company Ltd. 
                           A+ (Superior) 
                          Omnilife Insurance Company

                          A+ (Strong)  



                          S&P Global Ratings: AA- (Very Strong)
                          Insurers rated in the AA class offer very strong financial security with respect to ability to pay policies and contracts, differing only slightly from those rated higher. To determine a rating, S&P conducts a thorough quantitative and qualitative evaluation of a company’s financial strength.

                          A.M. Best Company: A+ (Superior)
                          Awarded to companies which have superior financial strength, operating performance and market profile when compared to the standards established by the A.M. Best Company. A+ companies have a very strong ability to meet ongoing obligations to policyholders.

                          Moody’s Investors Service: A1 (Good)
                          Reflects an insurance company’s ability to punctually repay senior policyholder claims and obligations. Insurance companies rated A1 offer good financial security. The ratings are based on industry analysis, regulatory trends and evaluation of the company’s business fundamentals.

                          Senior Debt Ratings

                          S&P Global Ratings 

                          A (Strong)

                          A.M. Best Company

                          a- (Strong)

                          Moody's Investors Service

                          Baa1 (Medium)