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                     SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C. 20549

                                  FORM 8-K

                               CURRENT REPORT
                     PURSUANT TO SECTION 13 OR 15(d) OF
                     THE SECURITIES EXCHANGE ACT OF 1934

     Date of Report (Date of Earliest Event Reported): January 27, 2005

                 REINSURANCE GROUP OF AMERICA, INCORPORATED
           (Exact Name of Registrant as Specified in its Charter)

             MISSOURI                 1-11848                 43-1627032

(State or other Jurisdiction  (Commission File Number)      (IRS Employer
       of Incorporation)                                Identification Number)

                        1370 TIMBERLAKE MANOR PARKWAY
                        CHESTERFIELD, MISSOURI 63017

                   (Address of Principal Executive Office)

                               (636) 736-7000

            (Registrant's telephone number, including area code)

         Check the appropriate box below if the Form 8-K is intended to
simultaneously satisfy the filing obligation of the registrant under any of
the following provisions (see General Instruction A.2. below):

| |  Written communications pursuant to Rule 425 under the Securities Act
     (17 CFR 230.425)

| |  Soliciting material pursuant to Rule 14a-12 under the Exchange Act
     (17 CFR 240.14a-12)

| |  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

| |  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))

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ITEM 2.02         RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On January 27, 2005, RGA issued a press release announcing its earnings for
the three-month period ended December 31, 2004 and providing certain
additional information. In addition, RGA announced in the press release that
a conference call would be held on January 28, 2005 to discuss its financial
and operating results for the three-month period ended December 31, 2004. A
copy of the press release is furnished with this report as Exhibit 99.1 and
incorporated by reference herein.

The information in Item 2.02 of this Current Report on Form 8-K and Exhibit
99.1 attached hereto shall not be deemed to be "filed" for the purposes of
Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act"), or
otherwise subject to the liabilities of such section, nor shall such
information or exhibit be deemed incorporated by reference in any filing
under the Securities Act of 1933 or the Exchange Act, except as shall be
expressly set forth by specific reference in such a filing.

ITEM 7.01         REGULATION FD DISCLOSURE

On January 27, 2005, RGA issued a press release announcing its earnings for
the three-month period ended December 31, 2004 and providing certain
additional information. In addition, RGA announced in the press release that
a conference call would be held on January 28, 2005 to discuss its financial
and operating results for the three-month period ended December 31, 2004. A
copy of the press release is furnished with this report as Exhibit 99.1 and
incorporated by reference herein.

The information in Item 7.01 of this Current Report on Form 8-K and Exhibit
99.1 attached hereto shall not be deemed to be "filed" for the purposes of
Section 18 of the Exchange Act, or otherwise subject to the liabilities of
such section, nor shall such information or exhibit be deemed incorporated
by reference in any filing under the Securities Act of 1933 or the Exchange
Act, except as shall be expressly set forth by specific reference in such a
filing.

ITEM 9.01         FINANCIAL STATEMENTS AND EXHIBITS

       (c) Exhibits.

           99.1     Press Release of Reinsurance Group of America, Incorporated
       dated January 27, 2005.


                                  SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                     Reinsurance Group Of America, Incorporated

Date: January 27, 2005               By: /s/ Jack B. Lay
                                         --------------------------------------
                                         Name:  Jack B. Lay
                                         Title: Executive Vice President and
                                                 Chief Financial Officer


                                EXHIBIT INDEX

Exhibit No.       Description
-----------       -----------

99.1              Press Release of Reinsurance Group of America, Incorporated
                  dated January 27, 2005.