SC TO-I

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

SCHEDULE TO

(Rule 14d-100)

Tender Offer Statement Under Section 14(d)(1) or 13(e)(1)
of the Securities Exchange Act of 1934

METLIFE, INC.

(Name of Subject Company (Issuer) and Filing Person (Offeror))

Common Stock, Par Value $0.01 Per Share
(Title of Class of Securities)

59156R108
(CUSIP Number of Class of Securities)

James L. Lipscomb
Executive Vice President and General Counsel
MetLife, Inc.
200 Park Avenue
New York, New York 10166
(212) 578-2211
(Name, Address and Telephone Number of Person Authorized to Receive Notices
and Communications on Behalf of Filing Persons)

Copies to:

Adam O. Emmerich
David K. Lam
Wachtell, Lipton, Rosen & Katz
51 West 52^nd Street
New York, New York 10019
(212) 403-1000 Jack B. Lay
Senior Executive Vice President
and Chief Financial Officer
Reinsurance Group of America,
Incorporated
1370 Timberlake Manor Parkway
Chesterfield, Missouri 63017
(636) 736-7000 R. Randall Wang
James R. Levey
Bryan Cave LLP
One Metropolitan Square
211 North Broadway, Suite 3600
St. Louis, Missouri 63102
(314) 259-2000

CALCULATION OF FILING FEE

Transaction Valuation (1)	Amount of Filing Fee (2)
$1,418,311,641.50	$55,739.65

(1)

This valuation assumes the exchange of 29,243,539 shares of Reinsurance Group of America, Incorporated (“RGA”) class B common stock, par value $0.01 per share (the “RGA class B common stock”), for shares of common stock of MetLife, Inc. (“MetLife”), par value $0.01 per share (“MetLife common stock”). Estimated solely for purposes of calculating the filing fee, based on the high and low sale prices of RGA common stock, par value $0.01 per share (the “RGA common stock”), on The New York Stock Exchange on August 5, 2008 and paid in connection with RGA’s registration statement on Form S-4 (File No. 333-152828) relating to the transactions described in this Schedule TO. Because there is no trading market for RGA class B common stock, RGA common stock is believed to be the most appropriate measure of the value of the securities to be exchanged in this exchange offer for purposes of calculating the filing fee.

(2)

The amount of the filing fee, calculated in accordance with Rule 0-11 of the U.S. Securities Exchange Act of 1934, as amended, equals $39.30 for each $1,000,000 of the value of the transaction.

þ Check the box if any part of the fee is offset as provided by Rule 0-11(a)(2) and identify the filing with which the offsetting fee was previously paid. Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing.

Amount Previously Paid:	$55,739.65	Filing Party:	Reinsurance Group of America, Incorporated
Form or Registration No.:	Form S-4	Date Filed:	June 3, 2008
	Registration No. 333-151390

o	Check the box if the filing relates solely to preliminary communications made before the commencement of a tender offer.
	Check the appropriate boxes below to designate any transactions to which the statement relates:

o	third-party tender offer subject to Rule 14d-1.	o	going-private transaction subject to Rule 13e-3.
þ	issuer tender offer subject to Rule 13e-4.	o	amendment to Schedule 13D under Rule 13d-2.

Check the following box if the filing is a final amendment reporting the results of the tender offer:  o

     This Tender Offer Statement on Schedule TO (this “Schedule TO”) is filed by MetLife, Inc., a Delaware corporation (“MetLife”). This Schedule TO relates to the offer by MetLife to exchange 29,243,539 shares of class B common stock, par value $0.01 per share (“RGA class B common stock”), of Reinsurance Group of America, Incorporated, a Missouri corporation (“RGA”), for shares of common stock, par value $0.01 per share of MetLife (“MetLife common stock”), upon the terms and subject to the conditions set forth in the Prospectus—Offer to Exchange, dated August 11, 2008 (the “Prospectus”), and the related letters of transmittal and instructional booklets thereto, copies of which are attached hereto as Exhibits (a)(1)(i) — (a)(1)(xiv) (the “Exchange Offer”). In connection with the Exchange Offer, RGA has filed under the U.S. Securities Act of 1933, as amended, a registration statement on Form S-4, as amended (Registration No. 333-152828), to register the shares of RGA class B common stock and associated preferred stock purchase rights offered in exchange for shares of MetLife common stock tendered in the Exchange Offer, which registration statement contains the Prospectus. RGA has separately filed a registration statement on Form S-4, as amended (Registration No. 333-151390), to register the shares of RGA class A common stock and associated preferred stock purchase rights to be issued in the recapitalization of RGA to occur immediately prior to the closing of the Exchange Offer, which registration statement contains a proxy statement/prospectus dated August 4, 2008.

     As permitted by General Instruction F to Schedule TO, the information set forth in the Prospectus and the related letters of transmittal and instructional booklets thereto, copies of which are attached hereto as Exhibits (a)(1)(i) — (a)(1)(viii), are incorporated herein by reference in response to all the items of this Schedule TO, except as otherwise set forth below.

Item 1. Summary Term Sheet.

     Reference is made to the information set forth in the Prospectus under the headings “Questions and Answers About the Exchange Offer” and “Summary,” which is incorporated herein by reference.

Item 2. Subject Company Information.

     (a) Name and Address. Reference is made to the information set forth in the Prospectus under the heading “Summary—The Companies—MetLife, Inc.,” which is incorporated herein by reference.

     (b) Securities. Reference is made to the information set forth in the Prospectus under the heading “Comparison of Stockholder Rights,” which is incorporated herein by reference.

     (c) Trading Market and Price. Reference is made to the information set forth in the Prospectus under the heading “Market Prices and Dividend Information,” which is incorporated herein by reference.

Item 3. Identity and Background of Filing Person.

     (a) Name and Address. The filing person is MetLife, who is the subject company. Reference is made to the information set forth in the Prospectus under the headings “Summary—The Companies—MetLife, Inc.” and “Security Ownership of Certain Beneficial Owners and Management of MetLife,” which is incorporated herein by reference.

Item 4. Terms of the Transaction.

     (a) Material Terms. Reference is made to the information set forth in the Prospectus under the headings “Questions and Answers about the Exchange Offer,” “Summary,” “The Transactions,” “The Exchange Offer,” “The Recapitalization and Distribution Agreement” and “Comparison of Stockholder Rights,” which is incorporated herein by reference.

     (b) Purchases. Reference is made to the information set forth in the Prospectus under the headings “Questions and Answers About the Exchange Offer” and “The Exchange Offer—Terms of the Exchange Offer,” which is incorporated herein by reference.

1

Item 5. Past Contacts, Transactions, Negotiations and Agreements.

     (a) Agreements Involving Subject Company’s Securities. Reference is made to the information set forth in the Prospectus under the headings “The Recapitalization and Distribution Agreement” and “Other Arrangements and Relationships Between MetLife and RGA,” which is incorporated herein by reference.

Item 6. Purposes of the Transaction and Plans or Proposals.

     (a) Purposes. Reference is made to the information set forth in the Prospectus under the headings “Summary,” “The Transactions—RGA’s Reasons for the Recapitalization,” “The Transactions—MetLife’s Reasons for the Divestiture” and “The Recapitalization and Distribution Agreement,” which is incorporated herein by reference.

     (b) Use of Securities Acquired. The shares of MetLife common stock acquired by MetLife in the Exchange Offer will be held as treasury stock.

     (c) Plans. None.

Item 7. Source and Amount of Funds or Other Consideration.

     (a) Source of Funds. Reference is made to the information set forth in the Prospectus under the headings “Summary—The Exchange Offer,” “The Transactions,” “The Exchange Offer” and “The Recapitalization and Distribution Agreement,” which is incorporated herein by reference.

     (b) Conditions. Not applicable.

     (d) Borrowed Funds. Not applicable.

Item 8. Interest in Securities of the Subject Company.

     (a) Security Ownership. Reference is made to the information set forth in the Prospectus under the heading “Security Ownership of Certain Beneficial Owners and Management of MetLife,” which is incorporated herein by reference.

     (b) Securities Transactions. Based on the information available to MetLife as of August 11, 2008, other than with respect to MetLife employee benefit plans, the following table sets forth the transactions in MetLife common stock by MetLife and its directors and executive officers during the 60 days prior to August 11, 2008:

	Date of	Number and Type	Price Per
Name	Transaction	of Securities	Share		Type of Transaction
Maria Morris	June 13, 2008	Disposed of 1,880 shares of MetLife common stock	$	0	Gift of securities to a charitable organization
C. Robert Henrikson	June 18, 2008	Acquired 3,100 shares of MetLife common stock	$	29.95	Exercise of stock options
C. Robert Henrikson	June 18, 2008	Disposed of 3,100 shares of MetLife common stock	$	56.85	Sale of shares acquired from exercise of stock options pursuant to a 10b5-1 plan
C. Robert Henrikson	June 25, 2008	Acquired 3,100 shares of MetLife common stock	$	29.95	Exercise of stock options
C. Robert Henrikson	June 25, 2008	Disposed of 3,100 shares of MetLife common stock	$	56.06	Sale of shares acquired from exercise of stock options pursuant to a 10b5-1 plan

Item 9. Persons/Assets, Retained, Employed, Compensated or Used.

     (a) Solicitations or Recommendations. None.

Item 10. Financial Statements.

     (a) Financial Information. Reference is made to the information set forth in the Prospectus under the headings “Comparative Historical Per Share Data,” “Selected Historical Financial Data For MetLife and RGA—MetLife Selected Financial Data” and “Where You Can Find More Information,” which is incorporated herein by reference. The financial statements included as Item 8 in MetLife’s Annual Report on Form 10-K for the annual period ended December 31, 2007, as well as the financial statements and other financial information included as Part I—Item 1 in MetLife’s Quarterly Report on Form 10-Q for the quarterly period ended June 30, 2008, are incorporated herein by reference.

     (b) Pro Forma Information. Not applicable.

Item 11. Additional Information.

     (a) Agreements, Regulatory Requirements and Legal Proceedings.

     (1) None.

     (2) Reference is made to the information set forth in the Prospectus under the heading “The Transactions—Regulatory Approval,” which is incorporated herein by reference.

     (3) Reference is made to the information set forth in the Prospectus under the heading “The Transactions—Regulatory Approval,” which is incorporated herein by reference.

     (4) Not applicable.

     (5) None.

     (b) Other Material Information. Reference is made to the information set forth in the Prospectus, which is incorporated herein by reference.

Item 12. Exhibits.

     (a)(1)(i) Prospectus—Offer to Exchange, dated August 11, 2008 (incorporated by reference to RGA’s Registration Statement on Form S-4 (File No. 333-152828), as amended, filed with the U.S. Securities and Exchange Commission on August 6, 2008 (the “RGA Registration Statement”)).

     (a)(1)(ii) Letter of Transmittal for the Exchange Offer (book entry).

     (a)(1)(iii) Letter of Transmittal for the Exchange Offer (certificates).

     (a)(1)(iv) Letter of Instructions for the Exchange Offer (MetLife Policyholder Trust).

     (a)(1)(v) Participant Direction Form for Exchange Offer (MetLife Employee Benefit Plans).

     (a)(1)(vi) Instructions for Letter of Transmittal for the Exchange Offer (book entry and certificates).

     (a)(1)(vii) Instructions for Letter of Instructions for the Exchange Offer (MetLife Policyholder Trust).

     (a)(1)(viii) Instructional Letter to Participants in MetLife Employee Benefit Plans.

     (a)(1)(ix) Notice of Guaranteed Delivery.

     (a)(1)(x) Notice of Withdrawal (book entry and certificates).

     (a)(1)(xi) Notice of Withdrawal (MetLife Policyholder Trust).

     (a)(1)(xii) Notice of Withdrawal (MetLife Employee Benefit Plans).

     (a)(1)(xiii) Form of Letter to Brokers.

     (a)(1)(xiv) Form of Letter from Brokers to Clients.

     (a)(1)(xv) Press Release, dated August 14, 2008, Announcing that MetLife, Inc. Has Commenced an Exchange Offer for the Split-Off of Reinsurance Group of America, Incorporated.

     (a)(2) None.

     (a)(3) None.

     (a)(4) Prospectus—Offer to Exchange, dated August 11, 2008 (incorporated by reference to the RGA Registration Statement).

     (a)(5) None.

     (b) None.

     (d) Recapitalization and Distribution Agreement, dated as of June 1, 2008, by and between MetLife, Inc. and Reinsurance Group of America, Incorporated (incorporated by reference to Exhibit 10.1 to the RGA Registration Statement).

     (g) None.

     (h) Opinion of Wachtell, Lipton, Rosen & Katz (incorporated by reference to Exhibit 8.1 to the RGA Registration Statement).

Item 13. Information Required by Schedule 13E-3.

     Not applicable.

     After due inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Dated: August 14, 2008

METLIFE, INC.
By:	/s/  William J. Wheeler
	Name:	William J. Wheeler
	Title:	Executive Vice President and Chief Financial Officer

EXHIBIT INDEX

Exhibit No.
(a)(1)(i)	Prospectus—Offer to Exchange, dated August 11, 2008 (incorporated by reference to RGA’s Registration Statement on Form S-4 (File No. 333-152828), as amended, filed with the Securities and Exchange Commission on August 6, 2008 (the “RGA Registration Statement”)).
(a)(1)(ii)	Letter of Transmittal for the Exchange Offer (book entry).
(a)(1)(iii)	Letter of Transmittal for the Exchange Offer (certificates).
(a)(1)(iv)	Letter of Instructions for the Exchange Offer (MetLife Policyholder Trust).
(a)(1)(v)	Participant Direction Form for Exchange Offer (MetLife Employee Benefit Plans).
(a)(1)(vi)	Instructions for Letter of Transmittal for the Exchange Offer (book entry and certificates).
(a)(1)(vii)	Instructions for Letter of Instructions for the Exchange Offer (MetLife Policyholder Trust).
(a)(1)(viii)	Instructional Letter to Participants in MetLife Employee Benefit Plans.
(a)(1)(ix)	Notice of Guaranteed Delivery.
(a)(1)(x)	Notice of Withdrawal (book entry and certificates).
(a)(1)(xi)	Notice of Withdrawal (MetLife Policyholder Trust).
(a)(1)(xii)	Notice of Withdrawal (MetLife Employee Benefit Plans).
(a)(1)(xiii)	Form of Letter to Brokers.
(a)(1)(xiv)	Form of Letter from Brokers to Clients.
(a)(1)(xv)	Press Release, dated August 14, 2008, Announcing that MetLife, Inc. Has Commenced an Exchange Offer for the Split-Off of Reinsurance Group of America, Incorporated.
(a)(4)	Prospectus—Offer to Exchange, dated August 11, 2008 (incorporated by reference to the RGA Registration Statement).
(d)	Recapitalization and Distribution Agreement, dated as of June 1, 2008, by and between MetLife and RGA (incorporated by reference to Exhibit 10.1 to the RGA Registration Statement).
(h)	Opinion of Wachtell, Lipton, Rosen & Katz (incorporated by reference to Exhibit 8.1 to the RGA Registration Statement).

EX-99.A.1.II

Exhibit (a)(1)(ii)

LETTER OF TRANSMITTAL FOR THE EXCHANGE OFFER FOR (BOOK ENTRY) METLIFE, INC. COMMON STOCK

Investor ID Number

The undersigned acknowledges receipt of the Offer to Exchange dated August 11, 2008 (the “Offer to Exchange”) of MetLife, Inc. (“MetLife”), a Delaware corporation, which together with this Letter of Transmittal, constitutes MetLife’s offer to exchange 29,243,539 shares of class B common stock, par value $0.01 per share (“RGA class B common stock”), of Reinsurance Group of America, Incorporated (“RGA”), a Missouri corporation, for outstanding shares of MetLife common stock, par value $0.01 per share (“MetLife common stock”), that are validly tendered and not properly withdrawn upon the terms and subject to the conditions set forth in the Offer to Exchange (the “Exchange Offer”).

This Letter of Transmittal is being sent to you since our records indicate that you hold shares of MetLife common stock in uncertificated form directly in MetLife’s share register.

I/we the undersigned, surrender to you for tendering the share(s) identified below. I/we certify that I/we have complied with all requirements as stated in the instructions on the reverse side and have full authority to give the instructions in this Letter of Transmittal and warrant that the shares represented are free and clear of all liens, restrictions, adverse claims and encumbrances. I/we further acknowledge that all terms, conditions and instructions contained in the Instruction Booklet to this Letter of Transmittal are incorporated by reference into this Letter of Transmittal.

Please complete the reverse side if you would like to transfer ownership or request special mailing.

5 PLEASE DETACH, EXECUTE AND RETURN THE ABOVE PORTION OF THIS FORM TO THE EXCHANGE AGENT, BNY MELLON SHAREOWNER SERVICES, IN THE ENVELOPE PROVIDED 5

THIS EXCHANGE OFFER AND WITHDRAWAL RIGHTS WILL EXPIRE AT 12:00 MIDNIGHT, NEW YORK CITY TIME, ON SEPTEMBER 11, 2008 ( THE “EXPIRATION DATE”) UNLESS EXTENDED OR TERMINATED. SHARES TENDERED PURSUANT TO THIS EXCHANGE OFFER MAY BE WITHDRAWN AT ANY TIME PRIOR TO THE EXPIRATION DATE.

	   SUBSTITUTE FORM W-9 - Department of the Treasury, Internal Revenue Service Payer’s Request for Taxpayer Identification Number (TIN)			‘   Special Issuance Instructions (Medallion Guarantee Required) To be completed ONLY if shares of RGA class B common stock and a check for cash in lieu of fractional shares of RGA class B common stock payable in this Exchange Offer, if applicable, are to be credited in the name of someone other than the registered holder listed on the front side of this Letter of Transmittal. See Instruction 8 of the Instruction Booklet.
	Part 1 - PLEASE PROVIDE YOUR TAXPAYER IDENTIFICATION NUMBER (“TIN”) IN THE BOX AT THE RIGHT AND CERTIFY BY SIGNING AND DATING BELOW Part 2 — Under penalties of perjury. I certify that: 1.   The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and 2.   I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (“IRS”) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and  3.   I am a U.S. citizen or other U.S. person (including a U.S. resident alien).			Name (Please Print First, Middle & Last Name) Address (Number and Street) (City, State & Zip Code) (Tax Identification Number)	(Title of Officer Signing this Guarantee) (Name of Guarantor - Please Print) (Address of Guarantor Firm)
				’  Special Delivery Instructions To be completed ONLY if shares of RGA class B common stock and a check for cash in lieu of fractional shares of RGA class B common stock payable in this Exchange Offer, if applicable, are to be sent to someone other than the registered holder listed on the front side of this Letter of Transmittal at an address other than that listed on the front side of this Letter of Transmittal. See Instruction 8 of the Instruction Booklet. Mail shares and check to: Name (Please Print First, Middle & Last Name) Address      (Number and Street) (City, State & Zip Code)
		Signature                                                                                                                       Date

5 PLEASE DETACH, EXECUTE AND RETURN THE ABOVE PORTION OF THIS FORM TO THE EXCHANGE AGENT, BNY MELLON SHAREOWNER SERVICES, IN THE ENVELOPE PROVIDED 5

     INSTRUCTIONS FOR COMPLETING THE LETTER OF TRANSMITTAL

Œ	Sign, date and include your daytime telephone number in this Letter of Transmittal in Box 1 and after completing all other applicable sections return this form in the enclosed envelope.
	If you are tendering all your shares, please check this box only.
Ž	If you are tendering some of your shares, please check the box and indicate the number of shares you wish to tender.
	If you are a direct or beneficial owner of less than 100 shares of MetLife common stock and are tendering all your shares, check this box. See Instruction 7 in the Instruction Booklet to this Letter of Transmittal for further details.
	PLEASE SIGN IN BOX 5 TO CERTIFY YOUR TAXPAYER IDENTIFICATION NUMBER if you are a U.S. person. If the Taxpayer Identification Number on the front side of this Letter of Transmittal is incorrect or blank, write the corrected number above in Box 5 and sign to certify. If you have not been issued a TIN and have applied for one or intend to apply for one in the near future, write “Applied For” in the space provided for the TIN in Part 1 and sign and date the Substitute Form W-9. Please note that BNY Mellon Shareowner Services will withhold 28% of payments of cash in lieu of fractional shares of RGA class B common stock as required by the IRS if you fail to provide a correct Taxpayer Identification Number or the proper certification. If you are a non-U.S. person, please complete and return an appropriate Form W-8 to avoid backup withholding on payments of cash in lieu of fractional shares of RGA class B common stock. Withholding will not apply to any shares of RGA class B common stock payable in the Exchange Offer. For additional instructions on completing the Substitute Form W-9, see the “Backup Withholding” (Instruction 10) and the “Important U.S. Federal Tax Information” section of the Instruction Booklet to this Letter of Transmittal.
‘	If you want your shares of RGA class B common stock and check for cash in lieu of fractional shares to be issued in another name, fill in Box 6. Signature(s) in Box 6 must be medallion guaranteed. If you complete Box 6 (Special Issuance Instructions (Medallion Guarantee Required)), the individual listed as the transferee is required to execute the substitute Form W-9 in Box 5 in order to eliminate any withholding.
’	Complete Box 7 only if your shares of RGA class B common stock and check for cash in lieu of fractional shares are to be delivered to a person other than the registered holder or to a different address.

HOW TO CONTACT D. F. KING & CO., INC. THE INFORMATION AGENT FOR THE EXCHANGE:

By Telephone:
Banks and brokers only call:	212-269-5550 (Collect)
All other shareholders call toll free:	800-825-0898

WHERE TO FORWARD YOUR TRANSMITTAL MATERIALS

By Mail:	By Overnight Courier or By Hand:
BNY Mellon Shareowner Services	BNY Mellon Shareowner Services
Attn: Corporate Actions Department	Attn: Corporate Actions Department, 27th Floor
P.O. Box 3352	Newport Office Center VII
South Hackensack, New Jersey 07606-3352	480 Washington Boulevard
	Jersey City, New Jersey 07310-2053

EX-99.A.1.III

Exhibit (a)(1)(iii)

LETTER OF TRANSMITTAL FOR THE EXCHANGE OFFER FOR METLIFE, INC. COMMON STOCK

Investor ID Number

The undersigned acknowledges receipt of the Offer to Exchange dated August 11, 2008 (the “Offer to Exchange”) of MetLife, Inc. (“MetLife”), a Delaware corporation, which together with this Letter of Transmittal, constitutes MetLife’s offer to exchange 29,243,539 shares of class B common stock, par value $0.01 per share (“RGA class B common stock”), of Reinsurance Group of America, Incorporated (“RGA”), a Missouri corporation, for outstanding shares of common stock, par value $0.01 per share (“MetLife common stock”), of MetLife that are validly tendered and not properly withdrawn upon the terms and subject to the conditions set forth in the Offer to Exchange (the “Exchange Offer”).

This Letter of Transmittal is to be used by stockholders of MetLife who hold physical stock certificates representing shares of MetLife common stock. If your certificates for shares of MetLife common stock are not immediately available or you cannot deliver the certificates and all other documents required hereby to BNY Mellon Shareowner Services (the “Exchange Agent”) on or prior to the expiration of this Exchange Offer, or if you cannot comply with the book-entry transfer procedures prior to the expiration of this Exchange Offer, you may nevertheless tender your shares of MetLife common stock in accordance with the guaranteed delivery procedures set forth in the section entitled “The Exchange Offer-Procedures for Tendering” in the Offer to Exchange.

I/we the undersigned, surrender to you for tendering the share(s) identified below. I/we certify that I/we have complied with all requirements as stated in the instructions on the reverse side, and have full authority to surrender these certificate(s), and give the instructions in this Letter of Transmittal and warrant that the shares represented by these certificates are free and clear of all liens, restrictions, adverse claims and encumbrances. I/We further acknowledge that all terms, conditions and instructions contained in the Instruction Booklet to this Letter of Transmittal are incorporated by reference into this Letter of Transmittal.

5 PLEASE DETACH, EXECUTE AND RETURN THE ABOVE PORTION OF THIS FORM TO THE EXCHANGE AGENT, BNY MELLON SHAREOWNER SERVICES, IN THE ENVELOPE PROVIDED 5

If you cannot produce some or all of your MetLife stock certificates, you must obtain a lost instrument open penalty surety bond. Please see the reverse side of this form and refer to instruction #5.

Please complete the reverse side if you would like to transfer ownership or request special mailing.

 AFFIDAVIT OF LOST, MISSING OR DESTROYED CERTIFICATE(S)
AND AGREEMENT OF INDEMNITY

     THIS AFFIDAVIT IS INVALID IF A CHECK IS NOT INCLUDED AND IF THE AFFIDAVIT IS NOT SIGNED AND NOTARIZED BELOW. NOTE: FOREIGN OWNERS MUST also include Apostille seal or legal equivalent.

TOTAL SHARES LOST +
Please Fill In Certificate No(s). if Known	Number of Shares
Attach separate schedule if needed

Investor ID Number

By signing this form I/We swear, depose and state that: I/We am/are the lawful owner(s) of the certificate(s) hereinafter referred to as the “securities” described in the Letter of Transmittal. The securities have not been endorsed, pledged, cashed, negotiated, transferred, assigned, or otherwise disposed of. I/We have made a diligent search for the securities and have been unable to find it or them and make this Affidavit for the purpose of inducing the sale, exchange, redemption, or cancellation of the securities, as outlined in the Letter of Transmittal, without the surrender of the original(s), and also to request and induce Federal Insurance Company to provide suretyship for me/us to cover the missing securities under its Blanket Bond # 8302-00-67. I/We hereby agree to surrender the securities for cancellation should I/we, at any time, find the securities.

I/We hereby agree for myself/ourselves, my/our heirs, successors, assigns and personal representatives, in consideration of the proceeds of the sale, exchange, redemption or cancellation of the securities, and the aforementioned suretyship, to indemnify, protect and hold harmless Federal Insurance Company (the Surety), BNY Mellon Shareowner Services, MetLife, RGA, all their subsidiaries and any other party to the Exchange Offer, from and against any and all loss, costs, and damages, including court costs and attorneys fees, which they may be subject to or liable for in respect to the sale, exchange, redemption, or cancellation of the securities without requiring surrender of the original securities. The rights accruing to the parties under the preceding sentence shall not be limited or abridged by their negligence, inadvertence, accident, oversight, breach or failure to inquire into, contest, or litigate any claim, whenever such negligence, inadvertence, accident, oversight, breach or failure may occur or may have occurred, I/We agree that this Affidavit of Lost, Missing or Destroyed Certificate(s) and Agreement of Indemnity is to become part of Blanket Bond # 8302-00-67 underwritten by Federal Insurance Company.

Any person who, knowingly and with intent to defraud any insurance company or other person, files an application or statement of claim, containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to civil penalties as prescribed by law.

X Signed by Affiant (shareholder)		on this (date)
	(Deponent)(Indemnitor) (Heirs Individually)		Month	Day	Year

Social Security # Date Notary Public

Lost Securities Surety Premium/Service Fee Calculation

The following formula should be used to calculate the surety premium, if any, and service fee that you must submit with this form.

1. Calculate the share value of the lost shares by multiplying the number of shares that are lost by the Cash Rate:

• Enter number of share(s) lost                                                       X $51.15 (Cash Rate) =    $                                      share value

• If the share value exceeds $500,000, or if the stockholder is foreign and the share value exceeds $100,000, do not complete this affidavit. Complete only the Letter of Transmittal and contact BNY Mellon Shareowner Services regarding the lost certificate(s).

2. Only calculate a Surety Premium if the share value exceeds $3,000.00, otherwise enter zero (0) on the Surety Premium line below.

• The surety premium equals 1% (.01) of the share value noted in line 1 above: $                X (1%) or (.01) = . . . . . . $               
Surety Premium

3. Add the service fee based on the share value fee guide noted below . . . . . . . . . . . . . . $                                       Service Fee

• If the share value is less than or equal to $250.00, the Service Fee = $50.00

• If the share value is greater than $250.00 but less than or equal to $3,000.00, the Service Fee = $100.00

• If the share value is greater than $3,000.00, the Service Fee = $200.00

4. Total amount due (add lines 2 & 3) . . . . . . . . . . . .. . . . . . . . . . . . . . . $                                                              Total Amount

Please enclose a money order, certified check or cashiers’ check for the required amount, made payable to BNY Mellon Shareowner Services.

	‘   SUBSTITUTE FORM W-9 - Department of the Treasury, Internal Revenue Service Payer’s Request for Taxpayer Identification Number (TIN)			’   Special Issuance Instructions (Medallion Guarantee Required) To be completed ONLY if shares of RGA class B common stock and a check for cash in lieu of fractional shares of RGA class B common stock payable in this Exchange Offer, if applicable, are to be credited in the name of someone other than the registered holder listed on the front side of this Letter of Transmittal. See Instruction 8 for the Instruction Booklet.
	Part 1 - PLEASE PROVIDE YOUR TAXPAYER IDENTIFICATION NUMBER (“TIN”) IN THE BOX AT THE RIGHT AND CERTIFY BY SIGNING AND DATING BELOW Part 2 — Under penalties of perjury. I certify that: 1.   The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and 2.   I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (“IRS”) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding, and  3.   I am a U.S. citizen or other U.S. person (including a U.S. resident alien).			Name (Please Print First, Middle & Last Name) Address (Number and Street) (City, State & Zip Code) (Tax Identification Number)	(Title of Officer Signing this Guarantee) (Name of Guarantor - Please Print) (Address of Guarantor Firm)
				“  Special Delivery Instructions To be completed ONLY if shares of RGA class B common stock and a check for cash in lieu of fractional shares of RGA class B common stock payable in this Exchange Offer, if applicable, are to be sent to someone other than the registered holder listed on the front side of this Letter of Transmittal at an address other than that listed on the front side of this Letter of Transmittal. See Instruction 8 of the Instruction Booklet. Mail shares and check to: Name (Please Print First, Middle & Last Name) Address      (Number and Street) (City, State & Zip Code)
		Signature                                                                                                       Date

5 PLEASE DETACH, EXECUTE AND RETURN THE ABOVE PORTION OF THIS FORM TO THE EXCHANGE AGENT, BNY MELLON SHAREOWNER SERVICES, IN THE ENVELOPE PROVIDED 5

THIS EXCHANGE OFFER AND WITHDRAWAL RIGHTS WILL EXPIRE AT 12:00 MIDNIGHT, NEW YORK CITY TIME, ON SEPTEMBER 11, 2008 ( THE “EXPIRATION DATE”) UNLESS EXTENDED OR TERMINATED. SHARES TENDERED PURSUANT TO THIS EXCHANGE OFFER MAY BE WITHDRAWN AT ANY TIME PRIOR TO THE EXPIRATION DATE.

     INSTRUCTIONS FOR COMPLETING THE LETTER OF TRANSMITTAL

Œ	Sign, date and include your daytime telephone number in this Letter of Transmittal in Box 1 and after completing all other applicable sections return this form and your stock certificate(s) in the enclosed envelope.
	If you are tendering all your shares, please check this box only.
Ž	If you are tendering some of your shares, please check the box and indicate the number of shares you wish to tender.
	If you are direct or beneficial owner of less than 100 shares of MetLife common stock and are tendering all your shares, check this box. See Instruction 7 in the Instruction Booklet to this Letter of Transmittal for further details.
	If you cannot produce some or all of your MetLife stock certificates, you must obtain a lost instrument open penalty surety bond and file it with BNY Mellon Shareowner Services. To do so through BNY Mellon Shareowner Services program with Federal Insurance Company, complete Box 5 on the front side of this Letter of Transmittal, including the Lost Securities Surety Premium/Service Fee Calculation, and return the Letter of Transmittal together with your payment as instructed. Please print clearly. Alternatively, you may obtain a lost instrument open penalty surety bond from an insurance company of your choice that is rated A+XV or better by A. M. Best & Company. In that instance, you would pay a surety premium directly to the surety bond provider you select and you would pay BNY Mellon Shareowner Services its service fee only. Please contact BNY Mellon Shareowner Services at the number provided below for further instructions on obtaining your own bond.
‘	PLEASE SIGN IN BOX 6 TO CERTIFY YOUR TAXPAYER IDENTIFICATION NUMBER if you are a U.S. person. If the Taxpayer Identification Number on the other side is incorrect or blank, write the corrected number above in Box 6 and sign to certify. If you have not been issued a TIN and have applied for one or intend to apply for one in the near future, write “Applied For” in the space provided for the TIN in Part 1 and sign and date the Substitute Form W-9. Please note that BNY Mellon Shareowner Services will withhold 28% of payments of cash in lieu of fractional shares of RGA class B common stock as required by the IRS if you fail to provide a correct Taxpayer Identification Number or the proper certification. If you are a non-U.S. person, please complete and return an appropriate Form W-8 to avoid backup withholding on payments of cash in lieu of fractional shares of RGA class B common stock. Withholding will not apply to any shares of RGA class B common stock payable in the Exchange Offer. For additional instructions on completing the Substitute Form W-9, see the “Backup Withholding” (Instruction 10) and the “Important U.S. Federal Tax Information” section of the Instruction Booklet to this Letter of Transmittal.
’	If you want your shares of RGA class B common stock and check for cash in lieu of fractional shares to be issued in another name, fill in Box 7. Signature(s) in Box 7 must be medallion guaranteed. If you complete Box 7 (Special Issuance Instructions (Medallion Guarantee Required)), the individual listed as the transferee is required to execute the substitute Form W-9 in Box 6 in order to eliminate any withholding.
“	Complete Box 8 only if your shares of RGA class B common stock and check for cash in lieu of fractional shares are to be delivered to a person other than the registered holder or to a different address.

HOW TO CONTACT D. F. KING & CO., INC. THE INFORMATION AGENT FOR THE EXCHANGE:

By Telephone:
Banks and brokers only call:	212-269-5550 (Collect)
All other shareholders call toll free:	800-825-0898

WHERE TO FORWARD YOUR TRANSMITTAL MATERIALS

By Mail:	By Overnight Courier or By Hand:
BNY Mellon Shareowner Services	BNY Mellon Shareowner Services
Attn: Corporate Actions Dept.	Attn: Corporate Actions Dept., 27th Floor
P.O. Box 358401	Newport Office Center VII
Pittsburgh, Pennsylvania 15252-8401	480 Washington Boulevard
	Jersey City, New Jersey 07310-2053

EX-99.A.1.IV

Exhibit (a)(1)(iv)

LETTER OF INSTRUCTIONS FOR THE EXCHANGE OFFER FOR HOLDERS OF INTERESTS IN THE METLIFE POLICYHOLDER TRUST

Investor ID Number

This Letter of Instructions relates to the Offer to Exchange dated August 11, 2008 (the “Offer to Exchange”) of MetLife, Inc. (“MetLife”), a Delaware corporation, and constitutes MetLife’s offer to exchange 29,243,539 shares of class B common stock (“RGA class B common stock”) of Reinsurance Group of America, Incorporated (“RGA”), a Missouri corporation, for outstanding shares of common stock, par value, $0.01 per share (“MetLife common stock”), of MetLife represented by Trust Interests (as defined below) that are validly tendered and not properly withdrawn in the exchange offer (the “Exchange Offer”).

I/we the undersigned, instruct the Custodian (as defined below) to notify and instruct the Trustee (as defined below) to tender the shares of MetLife common stock represented by the number of Trust Interests identified below. I/we have complied with all requirements as stated in the Instruction Booklet and have full authority to give the instructions in this Letter of Instructions and warrant that I/we have not taken any actions that would prevent MetLife from acquiring good, marketable and unencumbered title to such MetLife common stock represented by Trust Interests, free and clear of all liens, restrictions, changes and encumbrances. I/we further acknowledge that all terms, conditions, representations, warranties and instructions contained in the Instruction Booklet to this Letter of Instructions are incorporated into this Letter of Instructions.

This Letter of Instructions is to be used by holders of interests (the “Trust Interests”) in the MetLife Policyholder Trust (each, a “Trust Beneficiary”) to instruct Mellon Investor Services LLC (doing business under the name of BNY Mellon Shareowner Services), as custodian (the “Custodian”), to notify and instruct Wilmington Trust Company, as Trustee (the “Trustee”), to tender the shares of MetLife common stock that such Trust Interests represent in accordance with the procedures set forth in this Letter of Instructions and the section entitled “The Exchange Offer—Procedures for Tendering” in the Offer to Exchange.

Please complete the reverse side if you would like to transfer ownership.

5 PLEASE DETACH, EXECUTE AND RETURN THE ABOVE PORTION OF THIS FORM TO THE CUSTODIAN IN THE ENVELOPE PROVIDED 5

THE DEADLINE FOR RETURNING THIS LETTER OF INSTRUCTIONS IS 5:00 P.M., NEW YORK CITY TIME, ON SEPTEMBER 8, 2008 (THE “ELECTION DATE”). THE EXCHANGE OFFER WILL EXPIRE AT 12:00 MIDNIGHT, NEW YORK CITY TIME, ON SEPTEMBER 11, 2008 UNLESS THE EXCHANGE OFFER IS EXTENDED OR TERMINATED. THE ELECTION DATE IS THREE BUSINESS DAYS PRIOR TO THE EXPIRATION OF THE EXCHANGE OFFER. TRUST INTERESTS REPRESENTING SHARES OF METLIFE COMMON STOCK TENDERED PURSUANT TO THE EXCHANGE OFFER MAY BE WITHDRAWN AT ANY TIME PRIOR TO THE ELECTION DATE.

	‘   SUBSTITUTE FORM W-9 – Department of the Treasury, Internal Revenue Service Payer’s Request for Taxpayer Identification Number (TIN)			’   Special Issuance Instructions (Medallion Guarantee Required) To be completed ONLY if shares of RGA class B common stock and a check for cash in lieu of fractional shares of RGA class B common stock payable in this Exchange Offer, if applicable, are to be credited in the name of someone other than the Trust Beneficiary listed on the front side of this Letter of Instructions. See Instruction 7 of the Instruction Booklet.
	Part 1 - PLEASE PROVIDE YOUR TAXPAYER IDENTIFICATION NUMBER (“TIN”) IN THE BOX AT THE RIGHT AND CERTIFY BY SIGNING AND DATING BELOW Part 2 — Under penalties of perjury. I certify that: 1.    The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and 2.    I am not subject to backup withholding because: (a)  I am exempt from backup withholding, or (b)  I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c)  the IRS has notified me that I am no longer subject to backup withholding, and   3.   I am a U.S. citizen or other U.S. person (including a U.S. resident alien).			Name (Please Print First, Middle & Last Name) Address (Number and Street) (City, State & Zip Code) (Tax Identification Number)	(Title of Officer Signing this Guarantee) (Name of Guarantor — Please Print) (Address of Guarantor Firm)
		Signature                                                                                                                                Date

5 PLEASE DETACH, EXECUTE AND RETURN THE ABOVE PORTION OF THIS FORM TO THE CUSTODIAN IN THE ENVELOPE PROVIDED 5

     INSTRUCTIONS FOR COMPLETING THE LETTER OF INSTRUCTIONS

Œ	Sign, date and include your daytime telephone number in this Letter of Instructions in Box 1 and after completing all other applicable sections return this form in the enclosed envelope.
	If you are instructing the Trustee to tender all of your shares of MetLife common stock represented by your Trust Interests, please check this box only.
Ž	If you are instructing the Trustee to tender some of your shares of MetLife common stock represented by your Trust Interests, please check the box and indicate the number of Trust Interests representing the shares of MetLife common stock that you wish to instruct the Trustee to tender.
	If you are an owner of Trust Interests representing less than 100 shares of MetLife common stock and are instructing the Trustee to tender all of your shares of MetLife common stock represented by your Trust Interests, check this box. See Instruction 6 in the Instruction Booklet to the Letter of Instructions for further details.
	PLEASE SIGN IN BOX 5 TO CERTIFY YOUR TAXPAYER IDENTIFICATION NUMBER if you are a U.S. person. If the Taxpayer Identification Number on the front side of this Letter of Instructions is incorrect or blank, write the corrected number above in Box 5 and sign to certify. If you have not been issued a TIN and have applied for one or intend to apply for one in the near future, write “Applied For” in the space provided for the TIN in Part I and sign and date the Substitute Form W-9. Please note that BNY Mellon Shareholder Services will withhold 28% of payments of cash in lieu of fractional shares of RGA class B common stock as required by the IRS if you fail to provide a correct Taxpayer Identification Number or the proper certification. If you are a non — U.S. person, please complete and return an appropriate Form W-8 to avoid backup withholding on payments of cash in lieu of fractional shares of RGA class B common stock. Withholding will not apply to any shares of RGA class B common stock payable in the Exchange Offer. For additional instructions on completing the Substitute Form W-9, see the “Backup Withholding” (Instruction 9) and the “Important U.S. Federal Tax Information” section of the Instruction Booklet to the Letter of Instructions.
‘	If you want your shares of RGA class B common stock and check for cash in lieu of fractional shares to be issued in another name, fill in Box 6. Signature(s) in Box 6 must be medallion guaranteed. If you complete Box 6 (Special Issuance Instructions (Medallion Guarantee Required)), the individual listed as the transferee is required to execute the substitute Form W-9 in Box 5 in order to eliminate any withholding.

HOW TO CONTACT D. F. KING & CO., INC. (THE INFORMATION AGENT) FOR THE EXCHANGE:

For inquiries call toll free:	800-967-7858
For shareholders outside of the U.S.:	212-269-5550 (Collect)

WHERE TO FORWARD YOUR TRANSMITTAL MATERIALS

By Mail:	By Overnight Courier or By Hand:
BNY Mellon Shareowner Services	BNY Mellon Shareowner Services
P.O. Box 3351	Newport Office Center VII
South Hackensack, NJ 07606-3351	480 Washington Boulevard
Attn: Corporate Actions Dept.	Jersey City, New Jersey 07310
	Attn: Corporate Actions Dept., 27th Floor

EX-99.A.1.V

Exhibit (a)(1)(v)

PARTICIPANT DIRECTION FORM WITH THE EXCHANGE OFFER FOR METLIFE, INC. COMMON STOCK

Investor ID Number

The undersigned acknowledges receipt of the Offer to Exchange dated August 11, 2008 of MetLife, Inc. (“MetLife”), a Delaware corporation, which together with this Direction Form, constitutes MetLife’s offer to exchange 29,243,539 shares of class B common stock, par value $0.01 per share (“RGA Class B Stock”), of Reinsurance Group of America, Incorporated (“RGA”), a Missouri corporation, for outstanding shares of MetLife common stock, par value $0.01 per share (“MetLife Shares”), that are validly tendered and not properly withdrawn in the Exchange Offer.

This Direction Form is being sent to you since our records indicate that you hold shares of MetLife common stock in one or more of the Savings and Investment Plan for Employees of Metropolitan Life, New England Life Insurance Company Agents’ Deferred Compensation Plan and Trust, New England Life Insurance Company Agents’ Retirement Plan and Trust or the New England Life Insurance Company 401(k) Savings Plan and Trust (as applicable to you, the “Plan”).

I/we the undersigned, surrender to you for tendering the MetLife Shares identified below. I/we certify that I/we have complied with all requirements as stated in the instructions on the reverse side and have full authority to give the instructions in this Direction Form and warrant that the MetLife Shares represented are free and clear of all liens, restrictions, adverse claims and encumbrances. I/we further acknowledge that all terms, conditions and instructions contained in the Cover Letter to this Direction Form are incorporated by reference into this Direction Form.

5 PLEASE DETACH, EXECUTE AND RETURN THE ABOVE PORTION OF THIS FORM TO THE TRUSTEE TABULATOR IN THE ENVELOPE PROVIDED 5

THE DEADLINE FOR RETURNING THIS DIRECTION FORM IS 5:00 PM, NEW YORK CITY TIME, ON SEPTEMBER 8, 2008 (THE “ELECTION DATE”). THE EXCHANGE OFFER WILL EXPIRE AT 12:00 MIDNIGHT, NEW YORK CITY TIME, AT THE END OF SEPTEMBER 11, 2008 UNLESS EXTENDED OR TERMINATED. THE ELECTION DATE IS THREE BUSINESS DAYS PRIOR TO THE EXPIRATION OF THE EXCHANGE OFFER. METLIFE SHARES TENDERED PURSUANT TO THE EXCHANGE OFFER MAY BE WITHDRAWN AT ANY TIME PRIOR TO THE ELECTION DATE.

Please note: If the number of MetLife Shares elected in Box 3 above (“Partial Tender”) is greater than the number of equivalent shares held in your Plan account as of 4 p.m. New York City time on September 8, 2008 (Fund balance divided by closing price of MetLife common stock), then your tender election will be deemed invalid and no MetLife Shares will be offered for exchange. Similarly, if you check both Box 2 and Box 3 above, your tender election will be deemed invalid and no MetLife Shares will be offered for exchange.

	Important Message
		You must complete the section titled, “PLACE AN X IN ONE TENDER BOX ONLY”, and choose either Box 2 or Box 3. Selecting more than one of the tender option boxes (2 or 3) will render your election invalid and no MetLife Shares will be offered for exchange. If you own less than 100 MetLife Shares and want to participate in the Odd Lot Preference option (defined in the enclosed Cover Letter) check Box 4.

5 PLEASE DETACH, EXECUTE AND RETURN THE ABOVE PORTION OF THIS FORM TO THE EXCHANGE AGENT IN THE ENVELOPE PROVIDED 5

     INSTRUCTIONS FOR COMPLETING THE DIRECTION FORM

Œ	Sign, date and include your daytime telephone number in this Direction Form in Box 1 and after completing all other applicable sections return this form in the enclosed envelope.
	If you are tendering all of your MetLife Shares, check this Box.
Ž	If you are tendering some of your MetLife Shares, check this box and indicate the number of whole shares you wish to tender.
	If you hold less than 100 equivalent shares in your Stock Fund account and wish to participate in the Odd Lot Preference check this box.

HOW TO CONTACT THE INFORMANTION AGENT FOR THE EXCHANGE:

By Mail:	By Telephone:
D.F. King & Co., Inc.	Call toll free:      800-825-0898
48 Wall Street, 22nd Floor New York, New York 10005

WHERE TO FORWARD YOUR TRANSMITTAL MATERIALS

By Mail:	By Overnight Courier or By Hand:
BNY Mellon Shareowner Services	BNY Mellon Shareowner Services
P.O. Box 3353	Newport Office Center VII
South Hackensack, NJ 07606-3353	480 Washington Boulevard
Attn: Corporate Actions Dept.	Attn: Corporate Actions Dept., 27th Floor
	Jersey City, New Jersey 07310

EX-99.A.1.VI

Exhibit (a)(1)(vi)

Instruction Booklet

to the

Letter of Transmittal

for the

Offer to Exchange
29,243,539 Shares of Class B Common Stock of
REINSURANCE GROUP OF AMERICA, INCORPORATED
which are owned by MetLife, Inc. for
Outstanding Shares of Common Stock of
METLIFE, INC.

THE EXCHANGE OFFER AND WITHDRAWAL RIGHTS WILL EXPIRE AT 12:00 MIDNIGHT, NEW YORK
CITY TIME, ON SEPTEMBER 11, 2008 UNLESS THE EXCHANGE OFFER IS EXTENDED OR TERMINATED.
SHARES TENDERED PURSUANT TO THE EXCHANGE OFFER MAY BE WITHDRAWN AT ANY TIME
PRIOR TO THE EXPIRATION OF THE EXCHANGE OFFER.

     This Instruction Booklet to the Letter of Transmittal provides information and instructions on how to properly complete the Letter of Transmittal. We urge you to read this Instruction Booklet and the Offer to Exchange, dated August 11, 2008. After carefully reviewing these materials, please complete the Letter of Transmittal and return it to the Exchange Agent at one of the addresses listed below. You should only complete the Letter of Transmittal if you hold shares of MetLife Common Stock in certificated form or uncertificated form registered directly in your name in MetLife’s share register. The terms, conditions and instructions contained in this Instruction Booklet are incorporated by reference into the Letter of Transmittal. The instructions on how to properly complete the Letter of Transmittal begin on page 6 of this Instruction Booklet.

The Information Agent for the Exchange Offer is:

D.F. KING & CO., INC.
48 Wall Street, 22^nd Floor
New York, New York 10005
Banks and Brokers Call Collect: (212) 269-5550
All Others Call Toll Free: (800) 825-0898

Exchange Agent:
BNY MELLON SHAREOWNER SERVICES

By Mail:	By Overnight Courier or By Hand:
Holders of Physical Stock Certificates	Attention: Corporate Actions Department, 27th Floor
Attention: Corporate Actions Department	Newport Office Center VII
P.O. Box 358401	480 Washington Boulevard
Pittsburgh, Pennsylvania 15252-8401	Jersey City, New Jersey 07310-2053
	To Withdraw Previously Tendered Shares
Holders of Direct Registration Shares	(see Instruction 12)
Attention: Corporate Actions Department	Attention: Corporate Actions Department
P.O. Box 3352	P.O. Box 3354
South Hackensack, New Jersey 07606-3352	South Hackensack, New Jersey 07606-3354
	Facsimile: (201) 680-4630
	Call to Confirm Receipt of Facsimile: (201) 680-4860

IMPORTANT—PLEASE READ THIS INSTRUCTION BOOKLET CAREFULLY BEFORE
COMPLETING THE LETTER OF TRANSMITTAL

Ladies and Gentlemen:

     Reference is made to the Offer to Exchange, dated August 11, 2008, the Letter of Transmittal and this Instruction Booklet to such Letter of Transmittal (the “Instruction Booklet”), which together constitute MetLife, Inc.’s (“MetLife”) offer to exchange 29,243,539 shares of class B common stock, par value $0.01 per share (the “RGA class B common stock”), of Reinsurance Group of America, Incorporated (“RGA”) for outstanding shares of MetLife common stock, par value $0.01 per share (“MetLife common stock”), validly tendered and not properly withdrawn, upon the terms and subject to the conditions set forth herein and in the Offer to Exchange (such transaction, the “exchange offer”). The exchange offer and related withdrawal rights will expire at 12:00 midnight, New York City time, on September 11, 2008, unless extended or terminated in accordance with applicable law and the terms of the exchange offer.

     Upon the terms and subject to the conditions of the exchange offer, I hereby tender to MetLife the shares of MetLife common stock specified on the Letter of Transmittal. Subject to, and effective upon, MetLife’s acceptance of such tendered shares for exchange, I hereby sell, assign and transfer to MetLife, or upon MetLife’s order, all right, title and interest in and to such shares. In addition, I hereby irrevocably constitute and appoint BNY Mellon Shareowner Services (the “Exchange Agent”) as my true and lawful agent and attorney-in-fact (with full knowledge that the Exchange Agent is also an agent of MetLife and of RGA) with respect to such tendered shares, with full power of substitution (such power of attorney being deemed to be an irrevocable power coupled with an interest):

(i)

(a) to deliver and present to MetLife, or upon MetLife’s order, as applicable (1) share certificates representing such tendered shares, and/or (2) shares in uncertificated form registered directly in my name in MetLife’s share register (“Direct Registration Shares”); and (b) if my shares are held through The Depository Trust Company (“DTC”), to tender to MetLife, shares on the account books maintained by DTC, together in each case specified in clauses (a) and (b) above with all accompanying evidences of transfer and authenticity (such as a power of attorney, letter of testamentary or letter of appointment), following receipt by the Exchange Agent, as my agent, of those shares of RGA class B common stock to which I will be entitled once MetLife accepts such tendered shares of MetLife common stock for exchange; and

(ii)

to receive all benefits and otherwise exercise all rights of beneficial ownership of such shares of MetLife common stock, all in accordance with the terms of the exchange offer.

     In connection with the exchange offer and my tender of shares of MetLife common stock, I hereby represent and warrant to MetLife that:

(i)	I have full power and authority to tender, sell, assign and transfer the shares that I have tendered;
(ii)	when MetLife accepts such shares for exchange pursuant to the exchange offer, MetLife will acquire good, marketable and unencumbered title thereto, free and clear of all liens, restrictions, changes and encumbrances;
(iii)	none of such shares will be subject to an adverse claim at the time MetLife accepts such shares for exchange;
(iv)	I own the shares being tendered within the meaning of Rule 14e-4 promulgated under the Securities Exchange Act of 1934, as amended (the “Exchange Act”); and
(v)	FOR NON-U.S. PERSONS: I acknowledge that MetLife has advised me that it has not taken any action under the laws of any country outside the United States to facilitate a public offer to exchange the RGA class B common stock in that country; that restrictions applicable in Australia, Canada, the European Economic Area, Japan and the United Kingdom are set out under the heading “The Exchange Offer—Legal and Other Limitations; Certain Matters Relating to Non-U.S. Jurisdictions” in the Offer to Exchange, and that there may be restrictions that apply in other countries, including with respect to transactions in RGA class B common stock in my home country; that, if I am located outside the United States, my ability to tender MetLife common stock in the exchange offer will depend on whether there is an exemption available under the laws of my home country that would permit me to participate in the exchange offer without the need for MetLife to take any action to facilitate a public offering in that country or otherwise; that my participation in the exchange offer is made pursuant to and in compliance with the applicable laws in the jurisdiction in which I am resident or from which I am tendering my shares and in a manner that will not require MetLife to take any action to facilitate a

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public offering in that country or otherwise; and that MetLife will rely on my representations concerning the legality of my participation in the exchange offer in determining whether to accept any shares that I am tendering for exchange.

     I will, upon request, execute and deliver any further documents that either the Exchange Agent or MetLife deems to be necessary or desirable to complete the sale, assignment and transfer of the shares I have tendered. All authority I have conferred or agreed to confer in the Letter of Transmittal and all of my obligations hereunder shall be binding upon my successors, assigns, heirs, executors, administrators, trustees in bankruptcy and legal representatives, and shall survive and not be affected by my death or incapacity.

     I understand and agree that, among other matters described in the Offer to Exchange:

With respect to withdrawal, acceptance, exchange and delivery:

(i)	I can withdraw my tender only in accordance with the procedures described in the Offer to Exchange under “The Exchange Offer—Withdrawal Rights” and in Instruction 12 hereto;
(ii)	once MetLife accepts any of the shares that I have tendered, I will be (a) deemed to have accepted the shares of RGA class B common stock exchanged for such shares and to have relinquished all rights with respect to the tendered and accepted shares of MetLife common stock; and (b) entitled to receive such shares of RGA class B common stock in book-entry form in a direct registered account in my name;
(iii)	a maximum of 29,243,539 shares of RGA class B common stock will be exchanged for MetLife common stock;
(iv)	subject to the possible automatic extension of the exchange offer as described in the Offer to Exchange under “The Exchange Offer—Extension; Termination; Amendment,” the number of shares of RGA class B common stock I may receive in the exchange offer is based on values determined by reference to the average of the daily volume-weighted average price of MetLife common stock and the common stock, par value $0.01 per share (the “RGA common stock”), of RGA on the New York Stock Exchange (the “NYSE”) on the last three trading days of the originally contemplated exchange offer period, as described in the Offer to Exchange under “The Exchange Offer—Terms of the Exchange Offer;”
(v)	because there is no trading market for RGA class B common stock, the daily volume-weighted average price of the RGA common stock will be used to determine the amount of shares of RGA class B common stock I receive in the exchange offer and neither MetLife, RGA, the co-dealer managers or the Exchange Agent can predict whether there will be any disparity in the trading prices for the shares of class A common stock, par value $0.01 per share, of RGA and RGA class B common stock once both are listed on the NYSE;
(vi)	the number of shares of RGA class B common stock I may receive for each share of MetLife common stock accepted in the exchange offer is subject to a limit as set forth in the Offer to Exchange under “The Exchange Offer—Terms of the Exchange Offer;”
(vii)	if the limit on the number of shares of RGA class B common stock that can be received for each share of MetLife common stock tendered is in effect at the expiration of the originally contemplated exchange offer period, then the exchange ratio will be fixed at the limit and the exchange offer will be automatically extended as described in the Offer to Exchange under “The Exchange Offer—Extension; Termination; Amendment” and “The Exchange Offer—Terms of the Exchange Offer;”
(viii)	if the exchange offer is oversubscribed (i.e., if the number of shares of MetLife common stock tendered would result in more than the maximum number of shares of RGA class B common stock being exchanged), then the shares of MetLife common stock tendered will be subject to proration as described in the Offer to Exchange under “The Exchange Offer—Proration;”
(ix)	the Exchange Agent will (a) cause to be credited, in book-entry form to a Direct Registration Share account in my name, the shares of RGA class B common stock to which I am entitled in the name(s) of the registered holder(s) shown on the Letter of Transmittal (or, in the case of shares delivered through DTC, to the account of DTC so that DTC can credit the

-3-

relevant DTC participant and such participant can credit its respective account holders); and (b) mail the confirmation of shares of RGA class B common stock to which I am entitled to the address(es) of the registered holder(s) shown on the Letter of Transmittal;

(x) no fractional shares of RGA class B common stock will be distributed in the exchange offer, but rather the Exchange Agent will aggregate all fractional shares that would otherwise have been required to be distributed and cause them to be sold in the open market and any proceeds the Exchange Agent realizes from that sale will be distributed, less any brokerage commissions or other fees, to me in accordance with my fractional interest in the aggregate number of shares sold;

With respect to termination of the exchange offer and the return of any shares of MetLife common stock not accepted for exchange:

(xi)

under certain circumstances and subject to certain conditions to the exchange offer that are contained in the Offer to Exchange under “The Exchange Offer—Conditions for Completing the Exchange Offer,” which MetLife has the right to waive under certain circumstances, MetLife may not be required to accept for exchange any of the shares that I have tendered (including any shares that I tendered after the expiration date);

(xii)

if for any reason MetLife does not accept for exchange any tendered shares in accordance with the terms and conditions of the exchange offer, or if I am entitled to the return of a number of shares because I have tendered in part, but not in full, shares in certificated form, then as soon as practicable after the expiration or termination of the exchange offer, the Exchange Agent will cause those shares to be credited in book-entry form in a Direct Registration Share account in my name maintained by MetLife’s transfer agent (or, in the case of shares tendered through DTC, to the account of DTC so that DTC can credit the relevant DTC participant and such participant can credit its respective account holders), as described in the Offer to Exchange under “The Exchange Offer—Exchange of Shares of MetLife Common Stock”; provided, that no share certificates are expected to be delivered to me, including in respect of any shares delivered to the Exchange Agent that were previously in certificated form;

With respect to delivery of shares of RGA class B common stock to persons other than me:

(xiii)

if I properly comply with the appropriate instructions under Instruction 8 hereto and provide all necessary and proper documentary evidence, such as a power of attorney, MetLife will distribute the shares of RGA class B common stock to which I am entitled and, if applicable, any shares of MetLife common stock either not tendered by me or that are not accepted for exchange to the person(s) so indicated and register such shares in the name(s) of, and mail such confirmation (and accompanying documents, as appropriate) to, such person(s); provided that MetLife has no obligation pursuant to such instructions to transfer any shares from the name of the registered holder(s) thereof if MetLife does not accept any such shares for exchange;

(xiv)

if I complete the appropriate instructions under Instruction 8 hereto and such section is properly complied with, MetLife will mail any checks (and accompanying documents, as appropriate) instead of a fractional share to which I am entitled in the name(s) and to the address so indicated;

With respect to matters relating to my tender generally:

(xv)

the delivery and surrender of the shares (including shares of MetLife common stock tendered herewith) that I have tendered is not effective, and the risk of loss of such shares does not pass to the Exchange Agent, until the Exchange Agent receives a duly completed and signed Letter of Transmittal or, in the case of shares delivered by book-entry transfer through DTC, an agent’s message (as defined in Instruction 3 below) and a confirmation of such book-entry transfer (a “DTC Confirmation”), in either case together with all accompanying evidences of authority in form satisfactory to MetLife and any other required documents;

(xvi)

no tender of shares of MetLife common stock is valid until all defects and irregularities in such tenders have been cured or waived;

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(xvii)	none of MetLife, RGA, the Exchange Agent, D.F. King & Co., Inc. the (“Information Agent”), the co-dealer managers or any other person, nor any of their directors or officers, is under any duty to give notification of any defects or irregularities in the tender of any shares of MetLife common stock or will incur any liability for failure to give any such notification;
(xviii)	a tender of shares of MetLife common stock made pursuant to any method of delivery as described in the Offer to Exchange, together with MetLife’s acceptance for exchange of such shares pursuant to the procedures described in the Offer to Exchange under “The Exchange Offer—Procedures for Tendering “ and in the Instructions hereto, will constitute a binding agreement between us upon the terms and subject to the conditions of the exchange offer; and
(xix)	all questions as to the form of documents (including notices of withdrawal) and the validity, form, eligibility (including time of receipt) and acceptance for exchange of any tender of shares will be determined by MetLife in its sole discretion.

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INSTRUCTIONS

Forming Part of the Terms and Conditions of the Exchange Offer

     IMPORTANT: IN ORDER FOR YOU TO PARTICIPATE IN THE EXCHANGE OFFER, THE EXCHANGE AGENT MUST RECEIVE, ON OR BEFORE THE EXPIRATION DATE, (I) THE LETTER OF TRANSMITTAL OR, IN THE CASE OF SHARES DELIVERED BY BOOK-ENTRY TRANSFER THROUGH DTC, AN AGENT’S MESSAGE AND A DTC CONFIRMATION; (II) EITHER (A) THE SHARE CERTIFICATES OR DIRECT REGISTRATION SHARES YOU ARE TENDERING, OR A DTC CONFIRMATION, AS THE CASE MAY BE, OR (B) A PROPERLY COMPLETED AND DULY EXECUTED NOTICE OF GUARANTEED DELIVERY; AND (III) ANY OTHER REQUIRED DOCUMENTS.

     1. Signatures on Letter of Transmittal; Stock Powers and Endorsements. If the Letter of Transmittal is signed by the registered holder(s) of the shares of MetLife common stock tendered thereby, the signature(s) must correspond with the name(s) as written on the face of the certificate(s) without alteration or as reflected on the Letter of Transmittal for Direct Registration Shares, without alteration, enlargement or any change whatsoever. If any of the shares of MetLife common stock tendered by the Letter of Transmittal are held of record by two or more joint owners, each such owner must sign the Letter of Transmittal.

          If any of the shares of MetLife Common Stock tendered by the Letter of Transmittal are registered in different names on several certificates, it will be necessary to complete, sign and submit as many separate Letters of Transmittal as there are different registrations of certificates.

          If the Letter of Transmittal or any share certificate or stock power is signed by a trustee, executor, administrator, guardian, attorney-in-fact, officer of a corporation or other person acting in a fiduciary or representative capacity, such person should so indicate when signing, and must submit to the Exchange Agent proper evidence satisfactory to MetLife of the authority of such person to so act. Proper evidence of authority includes a power of attorney, a letter of testamentary or a letter of appointment.

          If the Letter of Transmittal is signed by the registered holder(s) of the shares of MetLife common stock listed and transmitted thereby, no endorsements of share certificates or separate stock powers are required.

          If the certificate(s) of MetLife common stock or Direct Registration Shares are registered in the name of a person other than the person who signs the Letter of Transmittal, the certificates must be endorsed or accompanied by appropriate stock powers, in either case signed exactly as the name or names of the registered holders(s) appear on the face of the certificates or as reflected on the Letter of Transmittal for Direct Registration Shares without alteration, enlargement or any change whatsoever, with the signature(s) on the certificates or stock powers guaranteed by an Eligible Institution (as defined below in Instruction 2).

     2. Signature Guarantees. All signatures on the Letter of Transmittal must be guaranteed by a firm which is a member in good standing of the Securities Transfer Agents Medallion Program (STAMP) or by any other “eligible guarantor institution,” as such term is defined in Rule 17Ad-15 under the Exchange Act (each of the foregoing, an “Eligible Institution”), unless (a) the Letter of Transmittal is signed by the registered holder(s) of shares of MetLife common stock (which term, for purposes of this document, shall include any participant in DTC whose name appears on a security position listing as the owner of shares of MetLife common stock) tendered therewith, and such holder(s) has (have) not completed the boxes entitled “Special Issuance Instructions (Medallion Guarantee Required)” and “Special Delivery Instructions” on the Letter of Transmittal, or (b) such shares of MetLife common stock are tendered for the account of an Eligible Institution. Holders of MetLife common stock may also need to have any certificates they deliver endorsed or accompanied by a stock power, and the signature on such documents may also need to be guaranteed. See Instruction 1.

     3. Delivery of Letter of Transmittal and Certificates or Book-Entry Confirmations. The Letter of Transmittal shall be used (i) if you are tendering certificated shares and share certificates are forwarded with the Letter of Transmittal or pursuant to a Notice of Guaranteed Delivery, or (ii) if Direct Registration Shares registered in your name are to be tendered. In either of these cases, you must return an original executed copy of the Letter of Transmittal to the Exchange Agent. Signed facsimiles may not be used in lieu of the original. However, as more fully described in Instruction 4 below, you may use a facsimile transmission to tender shares via a Notice of Guaranteed Delivery.

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     Please do not send any share certificates, Letters of Transmittal or other documents directly to MetLife, RGA, the Information Agent or the co-dealer managers. The Exchange Agent must receive, on or before the expiration date at its address set forth herein (and subject to the possibility of delivering a Notice of Guaranteed Delivery):

(i)	(a) share certificates representing all physically tendered shares of MetLife common stock; (b) proper instructions relating to the delivery of any Direct Registration Shares; and/or (c) in the case of shares delivered by book-entry transfer through DTC, a DTC Confirmation;
(ii)	the Letter of Transmittal, properly completed and duly executed (including any signature guarantees that may be required) or, in the case of shares delivered by book-entry transfer through DTC, an agent’s message (as defined below) and a DTC Confirmation; and
(iii)	any other required documents (whether required by the Letter of Transmittal or otherwise).

     A properly completed and duly executed Letter of Transmittal must accompany each delivery of shares to the Exchange Agent (whether such shares are certificated or uncertificated Direct Registration Shares).

     THE METHOD USED TO DELIVER THE SHARES OF METLIFE COMMON STOCK, THE LETTER OF TRANSMITTAL AND ALL OTHER REQUIRED DOCUMENTS, INCLUDING DELIVERY THROUGH DTC, IS AT THE ELECTION AND RISK OF THE TENDERING SHAREHOLDER. DELIVERY OF ALL SUCH DOCUMENTS IS NOT EFFECTIVE AND RISK OF LOSS OF THE SHARES DOES NOT PASS TO THE EXCHANGE AGENT UNTIL THE EXCHANGE AGENT RECEIVES SUCH DOCUMENTS (INCLUDING, IN THE CASE OF A BOOK-ENTRY TRANSFER THROUGH DTC, AN AGENT’S MESSAGE AND A DTC CONFIRMATION). IF DELIVERY IS BY MAIL, IT IS RECOMMENDED THAT ALL SUCH DOCUMENTS BE SENT BY PROPERLY INSURED REGISTERED MAIL WITH RETURN RECEIPT REQUESTED. IN ALL CASES, YOU SHOULD ALLOW SUFFICIENT TIME TO ENSURE TIMELY DELIVERY.

     No alternative, conditional or contingent tenders will be accepted. All tendering shareholders, by executing the Letter of Transmittal or causing an agent’s message and a DTC Confirmation to be delivered, waive any right to receive any notice of the acceptance of their shares of MetLife common stock for exchange.

     All questions as to the form of documents (including notices of withdrawal) and the validity, form, eligibility (including time of receipt) and acceptance for exchange of a tender of shares of MetLife common stock will be determined by MetLife in its sole discretion. MetLife may delegate such power in whole or in part to the Exchange Agent. A valid tender will not be deemed to have been made until all irregularities have been cured or waived, but MetLife reserves the right to waive any irregularities or defects in the tender of any shares of MetLife common stock. MetLife and the Exchange Agent expect to make reasonable efforts to notify any person of any defect in any Letter of Transmittal submitted to the Exchange Agent, but shall not incur any liability for failure to give any such notice. See Instruction 14.

     If you hold MetLife common stock through a broker, dealer, commercial bank, trust company or similar institution, you should not use the Letter of Transmittal to direct the tender of your shares, but instead should follow the instructions sent to you by that institution. That institution must notify DTC and cause it to transfer the shares into the Exchange Agent’s account in accordance with DTC procedures. That institution must also ensure that the Exchange Agent receives a DTC Confirmation and an agent’s message from DTC confirming the book-entry transfer of your shares of MetLife common stock. The term “agent’s message” means a message, transmitted by DTC to, and received by, the Exchange Agent and forming a part of a book-entry confirmation, which states that DTC has received an express acknowledgment from the participant in DTC tendering the shares that are the subject of the accompanying DTC Confirmation that (i) such participant has received and agrees to be bound by the terms of the Letter of Transmittal and the related Instruction Booklet; and (ii) MetLife may enforce such agreement against the participant.

     4. Notice of Guaranteed Delivery. Shareholders (i) whose share certificates are not immediately available; (ii) who cannot deliver shares or other required documents to the Exchange Agent on or before the expiration date; or (iii) who cannot comply with the procedures for book-entry transfer on a timely basis, may still tender their shares by properly completing and duly executing a Notice of Guaranteed Delivery pursuant to the guaranteed delivery procedure described in the Offer to Exchange under “The Exchange Offer—Procedures for Tendering.” Those procedures require that:

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(i)	such tender must be made by or through an Eligible Institution;
(ii)	on or before the expiration date, the Exchange Agent must receive a properly completed and duly executed Notice of Guaranteed Delivery (substantially in the form provided by MetLife); and
(iii)	within three NYSE trading days after the date of execution of such Notice of Guaranteed Delivery, the Exchange Agent must receive (a) share certificate(s) representing all tendered shares of MetLife common stock, in proper form for transfer (or, with respect to shares tendered through DTC, an agent’s message); (b) a Letter of Transmittal properly completed and duly executed (including any signature guarantees that may be required) or, in the case of shares delivered by book-entry transfer, an agent’s message; and (c) any other required documents (whether required by this Letter of Transmittal or otherwise).

     Registered shareholders (including any participant in DTC whose name appears on a security position listing as the owner of shares of MetLife common stock) may transmit the Notice of Guaranteed Delivery by facsimile transmission or mail it to the Exchange Agent. If you hold MetLife common stock through a broker, dealer, commercial bank, trust company or similar institution, that institution must submit any Notice of Guaranteed Delivery on your behalf. You must, in all cases, include a Medallion guarantee by an Eligible Institution in the form set forth in that notice.

     5. Partial Tenders. If you are tendering fewer than all the shares of MetLife common stock evidenced by any share certificate you deliver to the Exchange Agent, you must check Box 3 labeled “Partial Tender” and fill in the number of shares that you are tendering in the space provided on the first page of the Letter of Transmittal. In such cases, as soon as practicable after the expiration date, the Exchange Agent will credit the remainder of the shares of MetLife common stock that were evidenced by the certificate(s) but not tendered, to a Direct Registration Share account in the name of the registered holder(s) maintained by the MetLife transfer agent, unless otherwise provided below in Instruction 8 hereto. Unless you indicate otherwise, all of the shares of MetLife common stock represented by share certificates delivered to the Exchange Agent will be deemed to have been tendered. No share certificates are expected to be delivered to you, including in respect of any shares delivered to the Exchange Agent that were previously in certificated form.

     6. Inadequate Space. If the space provided in the Letter of Transmittal is inadequate, the certificate numbers and/or the number of shares of MetLife common stock and any other required information should be listed on a separate schedule and attached to the Letter of Transmittal. Each page of such schedule should be separately signed in the same manner as the Letter of Transmittal is signed.

     7. Odd-Lot Shares. Shareholders who directly or beneficially own fewer than 100 shares of MetLife common stock (“Odd-Lot Preference”) who wish to tender all of their shares of MetLife common stock should check the box entitled “Odd-Lot Preference” on the Letter of Transmittal. Such shareholders will receive preferential treatment if this exchange offer is oversubscribed, in that all such shares of MetLife common stock tendered will be accepted for exchange and will not be subject to proration. If Odd-Lot Shares are held by a broker or similar institution for a shareholder’s account, that shareholder should contact such entity, so that it can request such preferential treatment on behalf of that shareholder.

     8. Special Issuance and Delivery Instructions. If (i) a check for cash in lieu of fractional shares of RGA class B common stock or shares of RGA class B common stock are to be issued in the name of, and/or shares of MetLife common stock not tendered or not accepted for exchange are to be issued or returned to, a person other than the signer(s) of the Letter of Transmittal; or (ii) a check is to be mailed to a person other than the signer(s) of the Letter of Transmittal or to an address other than that shown in the box on the first page of the Letter of Transmittal, then the appropriate instructions under the boxes titled “Special Issuance Instructions (Medallion Guarantee Required)” and “Special Delivery Instructions” on the reverse side of the Letter of Transmittal should be completed. If no such instructions are given, (a) shares of MetLife common stock not tendered or not accepted in the exchange offer and/or shares of RGA class B common stock will be credited in book-entry form in a book-entry share account, in the name of the registered holder maintained by MetLife’s or RGA’s transfer agent, as applicable, and (b) a check for cash instead of RGA class B common stock will be sent to the signer of the Letter of Transmittal at the address shown in the box on the first page of the Letter of Transmittal.

     With respect to any shares tendered through DTC, a MetLife shareholder may request that shares not exchanged be credited to a different account maintained at DTC by providing the appropriate instructions pursuant to DTC’s applicable procedures. If no such instructions are given, all such shares not accepted will be returned by crediting the same account at DTC as the account from which such shares were delivered.

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     MetLife shareholders are not required to maintain a book-entry account, and they may obtain a stock certificate for all or a portion of their shares of RGA class B common stock received pursuant to the exchange offer at no cost to them. Instructions describing how to obtain stock certificates will be included with the statement mailed to tendering MetLife shareholders by RGA’s transfer agent. However, stock certificates for fractional shares will not be issued by either MetLife or RGA. If tendering MetLife shareholders request stock certificates and they are otherwise entitled to receive fractional shares, any fractional shares will be sold for their account by RGA’s transfer agent, which will then deliver to them a certificate for the whole number of shares they own and the proceeds from the sale of the fractional shares.

     9. Requests for Assistance or Additional Copies. You may direct any questions or requests for assistance to the Information Agent at its telephone number and address set forth on the first page of this Instruction Booklet, or to your broker, dealer, commercial bank or trust company. You may obtain additional copies of the Offer to Exchange, the Letter of Transmittal, this Instruction Booklet, the Notice of Guaranteed Delivery, the form of Notice of Withdrawal and other exchange offer materials from the Information Agent at MetLife’s expense. You may also obtain additional copies of the Offer to Exchange, the Letter of Transmittal, this Instruction Booklet, the Notice of Guaranteed Delivery and the form of Notice of Withdrawal at www.dfking.com/metlife.

     10. Backup Withholding. In order to avoid U.S. federal “backup withholding” at a rate of 28 percent with respect to cash received in exchange for fractional shares pursuant to the exchange offer, each holder submitting shares of MetLife common stock must provide the Exchange Agent with the holder’s correct Taxpayer Identification Number (“TIN”), generally the shareholder’s social security or federal employer identification number, on the Substitute Form W-9, which is provided on the reverse side of the Letter of Transmittal or, alternatively, to establish another basis for exemption from backup withholding. A holder must cross out item (2) in Part 2 of the Substitute Form W-9 if such holder is subject to backup withholding. In addition to potential penalties, failure to provide the correct information on the Substitute Form W-9 may subject the holder to 28% federal income tax backup withholding on any cash payments made to such holder pursuant to the exchange offer. If the holder has not been issued a TIN and has applied for one or intends to apply for one in the near future, such holder should write “Applied For” in the space provided for the TIN in Part 1 of the Substitute Form W-9, and sign and date the Substitute Form W-9. If “Applied For” is written in Part 1 and the Exchange Agent is not provided with a TIN by the time of payment, the Exchange Agent will withhold 28% from any cash payments made to such holder. A holder that is not a U.S. person may qualify as an exempt recipient by submitting to the Exchange Agent a properly completed Form W-8BEN, Form W-8ECI, Form W-8EXP or Form W-8IMY, as applicable (which can be obtained from the Internal Revenue Service (the “IRS”) website http://www.irs.gov or by contacting the Exchange Agent) signed under penalty of perjury, attesting to that holder’s exempt status. Please see “Important U.S. Federal Tax Information” below.

     11. Lost, Stolen, Mutilated or Destroyed Certificates. If you hold certificate(s) representing your shares of MetLife common stock and such shares have been lost, stolen, mutilated or destroyed and you wish to tender those shares, you will need to provide the information required under the section entitled “Affidavit of Lost, Missing or Destroyed Certificate(s) and Agreement of Indemnity” on the first page of the Letter of Transmittal. You are required to pay a premium and service fee as calculated at the end of Box 5 on the Letter of Transmittal to support the purchase of the blanket bond for such lost shares of MetLife common stock. Upon receipt of the completed Letter of Transmittal (appropriately notarized) with such required information and the surety bond payment, your MetLife common stock will be included in the exchange offer, subject to MetLife’s acceptance of such tender for exchange.

     12. Withdrawal. You may withdraw your previously tendered shares of MetLife common stock at any time prior to the expiration date and, unless MetLife has previously accepted them pursuant to the exchange offer, such shares may also be withdrawn at any time after the expiration of 40 business days from the commencement of the exchange offer. Once MetLife accepts shares of MetLife common stock pursuant to the exchange offer, any tendering MetLife shareholders’ tender is irrevocable. In order to withdraw your shares, you (or, if you hold your shares through a broker, dealer, commercial bank, trust company or similar institution, that institution on your behalf) must provide a written notice of withdrawal or telex or facsimile transmission notice of withdrawal to the Exchange Agent at its specially designated address or facsimile number set forth on the cover of this Instruction Booklet. That notice must include your name, address, social security number or TIN, the certificate number(s) (if applicable) and the number of shares of MetLife common stock to be withdrawn, and, if it is different from that of the person who tendered those shares, the name of the registered holder (which may be the institution through which you hold your shares, if applicable). MetLife has provided to registered holders a form of Notice of Withdrawal, which you may use to withdraw your shares. You may obtain additional forms of Notice of Withdrawal from the Information Agent.

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     A financial institution must guarantee all signatures on the Notice of Withdrawal, unless those shares have been tendered for the account of an Eligible Institution. If certificates have been delivered or otherwise identified to the Exchange Agent, the name of the registered holder and the serial numbers of the particular certificates evidencing the shares withdrawn must also be furnished to the Exchange Agent, as stated above, prior to the physical release of the certificates. If shares have been tendered pursuant to the procedures for book-entry tender, any Notice of Withdrawal must specify the name and number of the account at DTC to be credited with the withdrawn shares and must otherwise comply with DTC’s procedures.

     If you hold your shares through a broker, dealer, commercial bank, trust company or similar institution, you should consult that institution on the procedures you must comply with and the time by which such procedures must be completed in order for that institution to provide a written Notice of Withdrawal or facsimile Notice of Withdrawal to the Exchange Agent on your behalf before 12:00 midnight, New York City time, on the expiration date. If you hold your shares through such an institution, that institution must deliver the Notice of Withdrawal with respect to any shares you wish to withdraw. In such a case, as a beneficial owner and not a registered shareholder, you will not be able to provide a Notice of Withdrawal for such shares directly to the Exchange Agent.

     13. Waiver of Conditions. MetLife reserves the absolute right in its sole discretion, subject to applicable law, to waive any of the specified conditions, in whole or in part, to the exchange offer at any time, other than the conditions relating to the absence of an injunction, the effectiveness of the registration statement for the RGA class B common stock to be distributed in the exchange offer and the completion of the recapitalization.

     14. Irregularities. MetLife reserves the absolute right to reject any and all tenders of shares of MetLife common stock that it determines are not in proper form or the acceptance of or exchange for which may, in the opinion of its counsel, be unlawful. MetLife also reserves the absolute right to waive any defect or irregularity in the tender of any shares of MetLife common stock.

     No tender of shares of MetLife common stock will be valid and deemed to be properly made until all defects and irregularities in tenders of such shares have been cured or waived. None of MetLife, RGA, the co-dealer managers, the Exchange Agent, the Information Agent or any other person is or will be under any duty to give notice of any defects or irregularities in the tender of MetLife common stock and none of them will incur any liability for failure to give any such notice.

     MetLife will make all determinations regarding the validity, form, eligibility (including time of receipt) and acceptance for exchange of any tender of shares of MetLife common stock in its sole discretion. MetLife’s interpretations of the terms and conditions of this exchange offer, including the Letter of Transmittal and the instructions contained in this Instruction Booklet, shall be final and binding.

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IMPORTANT U.S. FEDERAL TAX INFORMATION

     THE FOLLOWING DISCUSSION OF IMPORTANT U.S. FEDERAL TAX INFORMATION IS NOT INTENDED OR WRITTEN TO BE USED, AND CANNOT BE USED, FOR THE PURPOSE OF AVOIDING U.S. FEDERAL INCOME TAX PENALTIES. SUCH DISCUSSION IS WRITTEN TO SUPPORT THE PROMOTION OR MARKETING OF THE TRANSACTIONS OR MATTERS ADDRESSED HEREIN. EACH HOLDER SHOULD SEEK ADVICE BASED ON SUCH HOLDER’S PARTICULAR CIRCUMSTANCES FROM AN INDEPENDENT TAX ADVISOR.

     Each holder who tenders shares of MetLife common stock in the exchange offer, or such holder’s assignee (in either case, the “Payee”) is required to provide its correct Taxpayer Identification Number (“TIN”) on the Substitute Form W-9, which is included on the reverse side of the Letter of Transmittal, and to certify under penalties of perjury that such number is correct or otherwise establish a basis for exemption from backup withholding. For instructions as to the proper TIN to be provided, see the “Guidelines for Certification of Taxpayer Identification Number on Substitute Form W-9” (the “Guidelines”) below. If the Payee does not provide its correct TIN or an adequate basis for an exemption, such Payee may be subject to a penalty imposed by the IRS and backup withholding in an amount equal to 28% of any cash payment made to the holder with respect to the MetLife common stock tendered in connection with the exchange offer. Backup withholding is not an additional tax. Rather, any amount of tax withheld will be credited against the tax liability of the person subject to the withholding. If withholding results in an overpayment of taxes, a refund may be obtained from the IRS.

     To prevent backup withholding, each Payee that is a U.S. person (including a U.S. resident alien) must provide (i) its correct TIN by completing the Substitute Form W-9 set forth on the reverse side of the Letter of Transmittal, certifying, under penalties of perjury, (x) that the TIN provided is correct (or that such Payee is awaiting a TIN), (y) that the Payee is not subject to backup withholding because (A) the Payee is exempt from backup withholding, (B) the Payee has not been notified by the IRS that it is subject to backup withholding as a result of a failure to report all interest or dividends, or (C) the IRS has notified the Payee that it is no longer subject to backup withholding, and (z) that such Payee is a U.S. person (including a U.S. resident alien), or (ii) if applicable, an adequate basis for exemption. A holder must cross out item (2) in Part 2 of the Substitute Form W-9 if such holder has been notified by the IRS that such holder is currently subject to backup withholding because of underreporting interest or dividends on such holder’s tax return.

     If the Payee does not have a TIN, such Payee should consult the Guidelines for instructions on applying for a TIN, write “Applied For” in the space for the TIN in Part 1 of the Substitute Form W-9, and sign and date the Substitute Form W-9. If “Applied For” has been written in Part 1 of the Substitute Form W-9, 28% of any cash payment made to the holder with respect to the MetLife common stock tendered in connection with the exchange offer will be withheld unless a TIN is provided by the time payment is made.

     If the shares of MetLife common stock are in more than one name or are not in the name of the actual owner, please consult the Guidelines for information on which TIN to report.

     Certain Payees (including, among others, corporations and certain foreign persons) are not subject to these backup withholding and reporting requirements. Exempt U.S. holders should indicate their exempt status on Substitute Form W-9. A holder that exchanges shares of MetLife common stock in the exchange offer that is not a U.S. person may qualify as an exempt recipient by submitting to the Exchange Agent a properly completed Form W-8BEN, Form W-8ECI, Form W-8EXP or Form W-8IMY, as applicable, signed under penalties of perjury, attesting to such Payee’s exempt status. Non-U.S. persons may obtain the appropriate IRS Form W-8 from the IRS website (http://www.irs.gov) or by contacting the Exchange Agent.

     FAILURE TO COMPLETE THE SUBSTITUTE FORM W-9 ON THE REVERSE SIDE OF THE LETTER OF TRANSMITTAL OR AN APPROPRIATE FORM W-8 MAY RESULT IN WITHHOLDING ON ANY CASH PAYMENTS MADE TO YOU PURSUANT TO THE EXCHANGE OFFER.

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GUIDELINES FOR CERTIFICATION OF
TAXPAYER IDENTIFICATION NUMBER ON SUBSTITUTE FORM W-9

Guidelines for Determining the Proper Identification Number for the Payee (You) to Give the Payer—Social Security numbers have nine digits separated by two hyphens: i.e., 000-00-0000. Employer identification numbers have nine digits separated by only one hyphen: i.e., 00-0000000. The table below will help determine the number to give the payer. All “Section” references are to the Internal Revenue Code of 1986, as amended. “IRS” is the Internal Revenue Service.

		Give the name and
		social security
	For this type of account:	number of—
1.	Individual	The individual
2.	Two or more individuals (joint account)	The actual owner of the account or, if combined funds, the first individual on the account1
3.	Custodian account of a minor (Uniform Gift to Minors Act)	The minor2
4.	a. The usual revocable savings trust (grantor is also trustee)	The grantor-trustee1
	b. So-called trust account that is not a legal or valid trust under state law	The actual owner1
5.	Sole proprietorship or single-owner LLC	The owner3

		Give the name and
		employer
		identification
	For this type of account:	number of—
6.	Sole proprietorship or single-member LLC	The owner3
7.	A valid trust, estate, or pension trust	The legal entity4
8.	Corporate or LLC electing corporate status on Form 8832	The corporation
9.	Association, club, religious, charitable, educational, or other tax-exempt organization	The organization
10.	Partnership or multi-member LLC	The partnership
11.	A broker or registered nominee	The broker or nominee
12.	Account with the Department of Agriculture in the name of a public entity (such as a state or local government, school district, or prison) that receives agricultural program payments	The public entity

1	List first and circle the name of the person whose number you furnish. If only one person on a joint account has a social security number, that person’s number must be furnished.
2	Circle the minor’s name and furnish the minor’s social security number.
3	You must show your individual name, but you may also enter your business or “doing business as” name. You may use either your social security number or your employer identification number (if you have one).
4	List first and circle the name of the legal trust, estate, or pension trust. (Do not furnish the taxpayer identification number of the personal representative or trustee unless the legal entity itself is not designated in the account title.)

NOTE: If no name is circled when there is more than one name listed, the number will be considered to be that of the first name listed.

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GUIDELINES FOR CERTIFICATION OF TAXPAYER IDENTIFICATION
NUMBER ON SUBSTITUTE FORM W-9

Page 2

Obtaining a Number

If you do not have a taxpayer identification number, apply for one immediately. To apply for a SSN, get Form SS-5, Application for a Social Security Card, from your local Social Security Administration office. Get Form W-7, Application for IRS Individual Taxpayer Identification Number, to apply for a TIN, or Form SS-4, Application for Employer Identification Number, to apply for an EIN. You can get Forms W-7 and SS-4 from the IRS by calling 1 (800) TAX-FORM, or from the IRS Web Site at www.irs.gov.

Payees Exempt From Backup Withholding

Payees specifically exempted from backup withholding include:

1.	An organization exempt from tax under Section 501(a), an individual retirement account (IRA), or a custodial account under Section 403(b)(7) if the account satisfies the requirements of Section 401(f)(2).
2.	The United States or any of its agencies or instrumentalities.
3.	A state, the District of Columbia, a possession of the United States, or any of their political subdivisions or instrumentalities.
4.	A foreign government or any of its political subdivisions, agencies or instrumentalities.
5.	An international organization or any of its agencies or instrumentalities.

Payees that may be exempt from backup withholding include:

6.	A corporation.
7.	A foreign central bank of issue.
8.	A dealer in securities or commodities required to register in the United States, the District of Columbia, or a possession of the United States.
9.	A futures commission merchant registered with the Commodity Futures Trading Commission.
10.	A real estate investment trust.
11.	An entity registered at all times during the tax year under the Investment Company Act of 1940.
12.	A common trust fund operated by a bank under Section 584(a).
13.	A financial institution.
14.	A middleman known in the investment community as a nominee or custodian.
15.	A trust exempt from tax under Section 664 or described in Section 4947.

The chart below shows types of payments that may be exempt from backup withholding. The chart applies to the exempt recipients listed above, 1 through 15.

	THEN the payment is
If the payment is for ...	exempt for ...
Interest and dividend payments	All exempt recipients except for 9
Broker transactions	Exempt recipients 1 through 13. Also, a person registered under the Investment Advisers Act of 1940 who regularly acts as a broker
Barter exchange transactions and patronage dividends	Exempt recipients 1 through 5
Payments over $600 required to be reported and direct sales over $50001	Generally, exempt recipients 1 through 72

1	See Form 1099-MISC, Miscellaneous Income, and its instructions.
2	However, the following payments made to a corporation (including gross proceeds paid to an attorney under Section 6045(f), even if the attorney is a corporation) and reportable on Form 1099-MISC are not exempt from backup withholding: medical and healthcare payments, attorneys’ fees and payments for services paid by a federal executive agency.

Exempt payees should complete a substitute Form W-9 to avoid possible erroneous backup withholding. Furnish your taxpayer identification number, check the appropriate box for your status, check the “Exempt Payee” box, sign and date the form and return it to the payer. Foreign payees who are not subject to backup withholding should complete an appropriate Form W-8 and return it to the payer.

Privacy Act Notice. Section 6109 requires you to provide your correct taxpayer identification number to payers who must file information returns with the IRS to report interest, dividends, and certain other income paid to you to the IRS. The IRS uses the numbers for identification purposes and to help verify the accuracy of your return and may also provide this information to various government agencies for tax enforcement or litigation purposes and to cities, states, and the District of Columbia to carry out their tax laws, and may also disclose this information to other countries under a tax treaty, or to Federal and state agencies to enforce Federal nontax criminal laws and to combat terrorism. Payers must be given the numbers whether or not recipients are required to file tax returns. Payers must generally withhold 28% of taxable interest, dividend, and certain other payments to a payee who does not furnish a taxpayer identification number to a payer. Certain penalties may also apply.

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Penalties

(1) Failure to Furnish Taxpayer Identification Number. If you fail to furnish your correct taxpayer identification number to a payer, you are subject to a penalty of $50 for each such failure unless your failure is due to reasonable cause and not to willful neglect.

(2) Civil Penalty for False Information with Respect to Withholding. If you make a false statement with no reasonable basis that results in no backup withholding, you are subject to a $500 penalty.

(3) Criminal Penalty for Falsifying Information. Willfully falsifying certifications or affirmations may subject you to criminal penalties including fines and/or imprisonment.

FOR ADDITIONAL INFORMATION CONTACT YOUR TAX CONSULTANT OR THE IRS

EX-99.A.1.VII

Exhibit (a)(1)(vii)

Instruction Booklet

to the

Letter of Instructions for the

Offer to Exchange
29,243,539 Shares of Class B Common Stock of
REINSURANCE GROUP OF AMERICA, INCORPORATED
which are owned by MetLife, Inc. for
Outstanding Shares of Common Stock of
METLIFE, INC.

THE DEADLINE FOR RETURNING THE ACCOMPANYING LETTER OF INSTRUCTIONS (THE “LETTER OF INSTRUCTIONS”) IS 5:00 P.M., NEW YORK CITY TIME, ON SEPTEMBER 8, 2008 (THE “ELECTION DATE”). THE EXCHANGE OFFER WILL EXPIRE AT 12:00 MIDNIGHT, NEW YORK CITY TIME, ON SEPTEMBER 11, 2008 UNLESS THE EXCHANGE OFFER IS EXTENDED OR TERMINATED. THE ELECTION DATE IS THREE BUSINESS DAYS PRIOR TO THE EXPIRATION OF THE METLIFE EXCHANGE OFFER.

LETTERS OF INSTRUCTIONS AND ANY NOTICE OF WITHDRAWAL MUST BE RECEIVED BY THE CUSTODIAN (AS DEFINED BELOW) ON OR BEFORE THE ELECTION DATE.

          This Instruction Booklet to the Letter of Instructions provides information and instructions on how to properly complete the Letter of Instructions. We urge you to read this Instruction Booklet and the Offer to Exchange, dated August 11, 2008. After carefully reviewing these materials, if you desire to participate in the exchange offer please complete the Letter of Instructions and return it to the Custodian at one of the addresses listed below. You should only complete the Letter of Instructions if you hold Trust Interests (defined below) in the MetLife Policyholder Trust. The terms, conditions and instructions contained in this Instruction Booklet are incorporated by reference into the Letter of Instructions. The instructions on how to properly complete the Letter of Instructions begin on page 5 of this Instruction Booklet.

The Information Agent for the Exchange Offer is:

D.F. KING & CO., INC.
48 Wall Street, 22^nd Floor
New York, NY 10005
For inquires call: (800) 967-7858
For shareholders outside of the U.S. call: (212) 269-5550 (Collect)

Custodian and Exchange Agent:

BNY MELLON SHAREOWNER SERVICES

By Mail:	By Overnight Courier or By Hand:
Attention: Corporate Actions Department	Attention: Corporate Actions Department, 27th Floor
P.O. Box 3351	Newport Office Center VII
South Hackensack, New Jersey 07606-3351	480 Washington Boulevard
Re:  MetLife Exchange Offer	Jersey City, New Jersey 07310-2035
	Re:  MetLife Exchange Offer
For Withdrawals:
Attention: Corporate Actions Department
P.O. Box 3354
South Hackensack, New Jersey 07606-3354
Re:  MetLife Exchange Offer
Facsimile: (201) 680-4630
Call to Confirm Receipt of Facsimile: (201) 680-4860

IMPORTANT—PLEASE READ THIS INSTRUCTION BOOKLET CAREFULLY BEFORE COMPLETING THE LETTER OF INSTRUCTIONS

Ladies and Gentlemen:

          Reference is made to the Offer to Exchange, dated August 11, 2008, the Letter of Instructions and this Instruction Booklet to such Letter of Instructions (this “Instruction Booklet”), which together constitute MetLife, Inc.’s (“MetLife”) offer to exchange 29,243,539 shares of RGA class B common stock, par value $0.01 per share (the “RGA class B common stock”), of Reinsurance Group of America, Incorporated (“RGA”) for outstanding shares of common stock, par value $0.01 per share (the “MetLife common stock”), of MetLife validly tendered and not properly withdrawn, upon the terms and subject to the conditions set forth herein and in the Offer to Exchange (such transaction, the “exchange offer”). The exchange offer will expire at 12:00 Midnight, New York City time, on September 11, 2008, unless extended or terminated in accordance with applicable law and the terms of the exchange offer.

          THE DEADLINE FOR RETURNING THE ACCOMPANYING LETTER OF INSTRUCTIONS AND ANY NOTICE OF WITHDRAWAL IS 5:00 P.M., NEW YORK CITY TIME, SEPTEMBER 8, 2008 (THE “ELECTION DATE”) WHICH IS THREE BUSINESS DAYS BEFORE THE EXPIRATION DATE OF THE EXCHANGE OFFER. If the exchange offer is extended, you will not be able to withdraw your Trust Interests (defined below) representing shares of MetLife common stock because the exchange offer period will only be extended by a maximum of three trading days and under the terms of the exchange offer you must deliver instructions to the Custodian (as defined in the following paragraph) at least three business days prior to the last day of the exchange offer period. For the purposes of this Instruction Booklet and Letter of Instructions, Trust Interests mean an undivided fractional interest in the shares of MetLife common stock and the other assets of the Trust (as defined below) beneficially owned by a Trust Beneficiary (as defined below) through Mellon Investor Services LLC (doing business under the name of BNY Mellon Shareowner Services), as Custodian (the “Custodian”).

          Upon the terms and subject to the conditions of the exchange offer, by signing the Letter of Instructions, I hereby instruct the Custodian under the MetLife Policyholder Trust Agreement, dated as of November 3, 1999, as amended, by and among Metropolitan Life Insurance Company, MetLife, the Custodian and Wilmington Trust Company (the “Trustee”) to notify and instruct the Trustee to deliver for exchange such number of shares of MetLife common stock represented by interests (the “Trust Interests”) in shares of MetLife common stock held in the MetLife Policyholder Trust (the “Trust”) as specified on such Letter of Instructions. Subject to, and effective upon, MetLife’s acceptance of the tendered shares of MetLife common stock represented by such Trust Interests for exchange, the Trustee hereby is authorized to sell, assign and transfer to MetLife, or upon MetLife’s order, all right, title and interest in and to such shares of MetLife common stock represented by such Trust Interests. In addition, I hereby irrevocably constitute and appoint Mellon Investor Services LLC (doing business under the name of BNY Mellon Shareowner Services), as exchange agent (the “Exchange Agent”) as my true and lawful agent and attorney-in-fact (with full knowledge that the Exchange Agent is also an agent of MetLife) with respect to such tendered shares of MetLife common stock represented by the Trust Interests, with full power of substitution (such power of attorney being deemed to be an irrevocable power coupled with an interest):

(i)

to deliver and present to MetLife, or upon MetLife’s order, shares on the account books maintained by The Depositary Trust Company (“DTC”), together with all accompanying evidences of transfer and authenticity (such as a power of attorney, letter of testamentary or letter of appointment), following receipt by the Exchange Agent, as my agent, of those shares of RGA class B common stock to which I will be entitled once you accept such tendered shares of MetLife common stock represented by the Trust Interests for exchange; and

(ii)

to receive all benefits and otherwise exercise all rights of beneficial ownership of such shares of MetLife common stock represented by the Trust Interests, all in accordance with the terms of the exchange offer.

          In connection with the exchange offer and my Letter of Instructions to tender the shares of MetLife common stock represented by the Trust Interests, I hereby represent and warrant to MetLife, the Trustee and the Custodian that:

(i)	I have full power and authority to instruct the Custodian to notify and instruct the Trustee to exchange such Trust Interests specified in the Letter of Instructions;
(ii)	I have not taken any actions that would prevent MetLife from acquiring good, marketable and unencumbered title to such MetLife common stock represented by the Trust Interests, free and clear of all liens, restrictions, changes and encumbrances;

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(iii)	I have not taken any actions that would cause such shares of MetLife common stock represented by the Trust Interests to be subject to an adverse claim at the time MetLife accepts such shares for exchange;
(iv)	I beneficially own the Trust Interests being tendered within the meaning of Rule 14e-4 promulgated under the Securities Exchange Act of 1934, as amended (the “Exchange Act”); and
(v)	FOR NON-U.S. PERSONS: I acknowledge that MetLife has advised me that it has not taken any action under the laws of any country outside the United States to facilitate a public offer to exchange the RGA class B common stock in that country; that restrictions applicable in Australia, Canada, the European Economic Area, Japan and the United Kingdom are set out under the heading “The Exchange Offer—Legal and Other Limitations; Certain Matters Relating to Non-U.S. Jurisdictions” in the Offer to Exchange, and that there may be restrictions that apply in other countries, including with respect to transactions in RGA class B common stock in my home country; that, if I am located outside the United States, my ability to instruct the Trustee to tender shares of MetLife common stock represented by the Trust Interests in the exchange offer will depend on whether there is an exemption available under the laws of my home country that would permit me to participate in the exchange offer without the need for MetLife to take any action to facilitate a public offering in that country or otherwise; that my participation in the exchange offer is made pursuant to and in compliance with the applicable laws in the jurisdiction in which I am resident or from which I am instructing the Trustee to tender shares of MetLife common stock represented by my Trust Interests and in a manner that will not require MetLife to take any action to facilitate a public offering in that country or otherwise; and that MetLife will rely on my representations concerning the legality of my participation in the exchange offer in determining to accept any shares of MetLife common stock represented by the Trust Interests that I am instructing the Trustee to tender for exchange.

          I will, upon request, execute and deliver any further documents that either the Exchange Agent, the Custodian, the Trustee or MetLife deems to be necessary or desirable to complete the sale, assignment and transfer of such Trust Interests that I have instructed the Custodian to notify and instruct the Trustee to tender shares of MetLife common stock represented by such Trust Interests. All authority I have conferred or agreed to confer in the Letter of Instructions and all of my obligations thereunder shall be binding upon my successors, assigns, heirs, executors, administrators, trustees in bankruptcy and legal representatives, and shall survive and not be affected by my death or incapacity.

          I understand and agree that, among other matters described in the Offer to Exchange:

With respect to withdrawal, acceptance, exchange and delivery:

(i)	I can withdraw my instructions in accordance with the procedures described in the Offer to Exchange under “The Exchange Offer—Procedures for Tendering,” Section 5.7(d) of the Trust Agreement and in Instruction 9 hereto;
(ii)	once MetLife accepts any of the shares of MetLife common stock represented by my Trust Interests which I have instructed the Trustee to tender, I will be (a) deemed to have accepted the shares of RGA class B common stock exchanged for such shares of MetLife common stock represented by the Trust Interests and to have relinquished all rights with respect to the tendered and accepted shares of MetLife common stock represented by the Trust Interests; and (b) entitled to receive such shares of RGA class B common stock in book-entry form in a direct registration share account (“Direct Registration Share account”) in my name;
(iii)	a maximum of 29,243,539 shares of RGA class B common stock will be exchanged for MetLife common stock;
(iv)	subject to the possible automatic extension of the exchange offer as described in the Offer to Exchange under “The Exchange Offer—Extension; Termination; Amendment,” the number of shares of RGA class B common stock I may receive in the exchange offer is based on values determined by reference to the average of the daily volume-weighted average price of MetLife common stock and common stock, par value $0.01 per share (the “RGA common stock”), of RGA on the New York Stock Exchange (the “NYSE”) on the last three trading days of the originally contemplated exchange offer period, as described in the Offer to Exchange under “The Exchange Offer—Terms of the Exchange Offer;”
(v)	because there is no trading market for RGA class B common stock, the daily volume-weighted average price of the RGA common stock will be used to determine the amount of shares of RGA class B common stock I receive in the exchange offer and none of MetLife, RGA, the Custodian, the Trustee, the co-dealer managers or the Exchange Agent can predict

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	whether there will be any disparity in the trading prices for shares of class A common stock, par value $0.01 per share, of RGA and RGA class B common stock once both are listed on the NYSE;
(vi)	the number of shares of RGA class B common stock I may receive for each share of MetLife common stock accepted in the exchange offer is subject to a limit as set forth in the Offer to Exchange under “The Exchange Offer—Terms of the Exchange Offer;”
(vii)	if the limit on the number of shares of RGA class B common stock that can be received for each share of MetLife common stock tendered is in effect at the expiration of the originally contemplated exchange offer period, then the exchange ratio will be fixed at the limit and the exchange offer will be automatically extended as described in the Offer to Exchange under “The Exchange Offer—Extension; Termination; Amendment” and “The Exchange Offer—Terms of the Exchange Offer;”
(viii)	if the exchange offer is oversubscribed (i.e., if the number of shares of MetLife common stock tendered would result in more than the maximum number of shares of RGA class B common stock being exchanged), then the shares of MetLife common stock tendered will be subject to proration as described in the Offer to Exchange under “The Exchange Offer—Proration;”
(ix)	the Exchange Agent will (a) cause to be credited, in book-entry form to a Direct Registration Share account in my name, the shares of RGA class B common stock to which I am entitled in the name(s) of any person(s) that beneficially owns a Trust Interest in the Trust, as shown on the records of the Custodian (a “Trust Beneficiary”) and as shown on the Letter of Instructions; and (b) mail the confirmation of the shares of RGA class B common stock to which I am entitled to the address(es) of the Trust Beneficiar(y)(ies) shown on the Letter of Instructions;
(x)	no fractional shares of RGA class B common stock will be distributed in the exchange offer, but rather the Exchange Agent will aggregate all fractional shares that would otherwise have been required to be distributed and cause them to be sold in the open market and any proceeds the Exchange Agent realizes from that sale will be distributed, less any brokerage commissions or other fees, to me by the Custodian in accordance with my fractional interest in the aggregate number of shares sold;
(xi)	the Custodian will distribute a written statement to each Trust Beneficiary indicating the remaining number of their Trust Interests in the Trust following completion of the exchange offer, a summary of which will be made available to the Trustee;

     With respect to termination of the exchange offer and the return of any Trust Interests not accepted for exchange:

(xii)

under certain circumstances and subject to certain conditions to the exchange offer that are contained in the Offer to Exchange, which MetLife has the right to waive under certain circumstances, MetLife may not be required to accept for exchange any of the shares of MetLife common stock represented by the Trust Interests that I have instructed the Custodian to notify and instruct the Trustee to tender;

(xiii)

if for any reason MetLife does not accept for exchange any tendered shares of MetLife common stock represented by the Trust Interests in accordance with the terms and conditions of the exchange offer, then as soon as practicable after expiration or termination of the exchange offer, the Exchange Agent shall cause those shares to be credited to the account of DTC so that DTC can credit the Trustee and the Trustee shall hold such shares of MetLife common stock represented by the Trust Interests for my benefit subject to the terms and conditions of the Trust Agreement;

     With respect to delivery of shares of RGA class B common stock to Persons other than me:

(xiv) if I properly complete Box 6 of the Letter of Instructions in accordance with the appropriate instructions under Instruction 6 hereto and provide all necessary and proper documentary evidence, such as a power of attorney, MetLife will distribute the shares of RGA class B common stock to which I am entitled and register such shares in the name(s) of, and mail such confirmation (and accompanying documents, as appropriate) to, such person(s) identified in Box 6 of the Letter of Instructions; provided that MetLife has no obligation pursuant to such instructions to transfer any shares of MetLife common stock represented by the Trust Interests from the name of the Trust Beneficiar(y)(ies) thereof if MetLife does not accept any such shares of MetLife common stock represented by the Trust Interests for exchange;

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     With respect to matters relating to my instructions to tender generally:

(xv)	the delivery and surrender of the shares of MetLife common stock represented by the Trust Interests that I have instructed the Custodian to notify and instruct the Trustee to tender is not effective, and the risk of loss of such shares does not pass to the Exchange Agent, until the Exchange Agent receives a duly completed and signed Letter of Instructions together with all accompanying evidences of authority in form satisfactory to MetLife and any other required documents;
(xvi)	no tender of shares of MetLife common stock represented by the Trust Interests is valid until all defects and irregularities in such tenders have been cured or waived;
(xvii)	none of MetLife, RGA, the Custodian, the Exchange Agent, D.F. King & Co., Inc. (the “Information Agent”), the co-dealer managers, the Trustee or any other person, nor any of their directors or officers, is under any duty to give notification of any defects or irregularities in the tender of any shares of MetLife common stock represented by the Trust Interests or will incur any liability for failure to give any such notification;
(xviii)	a tender of shares of MetLife common stock represented by the Trust Interests made pursuant to any method of delivery as described in the Offer to Exchange, together with MetLife’s acceptance for exchange of such shares of MetLife common stock represented by the Trust Interests pursuant to the procedures described in the Offer to Exchange under “The Exchange Offer—Procedures for Tendering,” and in the instructions hereto, will constitute a binding agreement between me and MetLife upon the terms and subject to the conditions of the exchange offer; and
(xix)	all questions as to the form of documents (including Notices of Withdrawal) and the validity, form, eligibility (including time of receipt) and acceptance for exchange of any tender of shares of MetLife common stock represented by the Trust Interests will be determined by MetLife in its sole discretion and such determination shall be final and binding.

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INSTRUCTIONS

Forming Part of the Terms and Conditions of the Exchange Offer

          IMPORTANT: IN ORDER FOR YOU TO PARTICIPATE IN THE EXCHANGE OFFER, THE CUSTODIAN MUST RECEIVE, ON OR BEFORE THE ELECTION DATE, (I) THE LETTER OF INSTRUCTIONS AND (II) ANY OTHER REQUIRED DOCUMENTS.

          1. Signatures on Letter of Instructions. If the Letter of Instructions is signed by a Trust Beneficiary of the Trust Interests representing shares of MetLife common stock instructed to be tendered thereby, the signature(s) must correspond with the name(s) as recorded in the records of the Custodian without alteration, enlargement or any change whatsoever. If any of such Trust Interests are held of record by two or more joint owners, each such owner must sign the Letter of Instructions.

          If the Letter of Instructions is signed by a trustee, executor, administrator, guardian, attorney-in-fact, officer of a corporation or other person acting in a fiduciary or representative capacity, such person should so indicate when signing, and must submit to the Custodian proper evidence satisfactory to MetLife of the authority of such person to so act. Proper evidence of authority includes a power of attorney, a letter of testamentary or a letter of appointment.

          2. Signature Guarantees. All signatures on the Letter of Instructions must be guaranteed by a firm which is a member in good standing of the Security Transfer Agent’s Medallion Program (STAMP) or by any other “eligible guarantor institution,” as such term is defined in Rule 17Ad-15 under the Exchange Act (each of the foregoing, an “Eligible Institution”), unless the Letter of Instructions is signed by the Trust Beneficiar(y)(ies) of the Trust Interests representing shares of MetLife common stock instructed to be tendered therewith, and such Trust Beneficiar(y)(ies) has (have) not completed the box entitled “Special Issuance Instructions (Medallion Guarantee Required)” on the reverse side of the Letter of Instructions.

          3. Delivery of Letter of Instructions. You must return an original executed copy of the Letter of Instructions to the Custodian. Signed facsimiles may not be used instead of the original.

          Please do not send any Letters of Instructions or other documents directly to MetLife, RGA, the Information Agent or the co-dealer managers. The Custodian must receive, on or before the Election Date at its address set forth herein:

(i)	the Letter of Instructions, properly completed and duly executed (including any signature guarantees that may be required); and
(ii)	any other required documents (whether required by the Letter of Instructions or otherwise).

          THE METHOD USED TO DELIVER THE LETTER OF INSTRUCTIONS AND ALL OTHER REQUIRED DOCUMENTS IS AT THE ELECTION AND RISK OF THE TRUST BENEFICIARY. DELIVERY OF ALL SUCH DOCUMENTS IS NOT EFFECTIVE AND RISK OF LOSS OF THE SHARES REPRESENTED BY THE TRUST INTERESTS DOES NOT PASS TO THE EXCHANGE AGENT UNTIL THE CUSTODIAN RECEIVES SUCH DOCUMENTS. IF DELIVERY IS BY MAIL, IT IS RECOMMENDED THAT ALL SUCH DOCUMENTS BE SENT BY PROPERLY INSURED REGISTERED MAIL WITH RETURN RECEIPT REQUESTED. IN ALL CASES, YOU SHOULD ALLOW SUFFICIENT TIME TO ENSURE TIMELY DELIVERY.

          No alternative, conditional or contingent instructions to tender will be accepted. All tendering Trust Beneficiaries, by executing the Letter of Instructions, waive any right to receive any notice of the acceptance of their shares of MetLife common stock represented by the Trust Interests for exchange.

          All questions as to the form of documents (including Notices of Withdrawal) and the validity, form, eligibility (including time of receipt) and acceptance for exchange of a tender of shares of MetLife common stock represented by the Trust Interests will be determined by MetLife in its sole discretion, and that determination shall be final and binding. MetLife may delegate such power in whole or in part to the Exchange Agent. A valid instruction to tender will not be deemed to have been made until all irregularities have been cured or waived, but MetLife reserves the right to waive any irregularities or defects in the tender of any shares of MetLife common stock represented by the Trust Interests. MetLife and

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the Exchange Agent expect to make reasonable efforts to notify any person of any defect in any Letter of Instructions submitted to the Custodian, but shall not incur any liability for failure to give any such notice. See Instruction 11.

          After the Custodian has notified and instructed the Trustee to tender such shares of MetLife common stock represented by the Trust Interests, the Trustee will notify DTC and cause DTC to transfer the shares of MetLife common stock represented by the Trust Interests into the Exchange Agent’s account in accordance with DTC procedures. The Trustee will also use commercially reasonable efforts to ensure that the Exchange Agent receives a DTC confirmation and an agent’s message from DTC confirming the book entry transfer of shares of MetLife common stock represented by your Trust Interests. The term “agent’s message” means a message, transmitted by DTC to, and received by, the Exchange Agent, which states that DTC has received an express acknowledgment from the participant in DTC tendering the shares of MetLife common stock represented by the Trust Interests that are the subject of the accompanying DTC confirmation that (i) such participant has received and agrees to be bound by the terms of the Letter of Instructions; and (ii) MetLife may enforce such agreement against the participant.

          4. Inadequate Space. If the space provided in the Letter of Instructions is inadequate, the number of Trust Interests and any other required information should be listed on a separate schedule and attached to the Letter of Instructions. Each page of such schedule should be separately signed in the same manner as the Letter of Instructions is signed.

          5. Odd-Lot Shares. Trust Beneficiaries who directly or beneficially own Trust Interests representing less than 100 shares of MetLife common stock (“Odd-Lot Shares”) who wish to instruct the Custodian to notify and instruct the Trustee to tender all of their shares of MetLife common stock represented by such Trust Interests should check the box entitled “Odd-Lot Preference” on the Letter of Instructions. Such Trust Beneficiaries will receive preferential treatment if this exchange offer is oversubscribed, in that all shares of MetLife common stock represented by such Trust Interests tendered on behalf of such Trust Beneficiary will be accepted for exchange and will not be subject to proration.

          6. Special Issuance Instructions. If a check for cash in lieu of fractional shares of RGA class B common stock or shares of RGA class B common stock are to be issued in the name of a person other than the signer(s) of the Letter of Instructions, then the appropriate instructions under “Special Issuance Instructions (Medallion Guarantee Required)” on the reverse side of the Letter of Instructions should be completed. If no such instructions are given, a check for cash instead of RGA class B common stock or shares of RGA class B common stock will be sent to the signer of the Letter of Instructions at the address shown in the box on the cover page of the Letter of Instructions.

          7. Requests for Assistance or Additional Copies. You may direct any questions or requests for assistance to the Information Agent at its telephone number and address set forth on the cover page of this Instruction Booklet. You may obtain additional copies of the Offer to Exchange, the Letter of Instructions, this Instruction Booklet, the form of Notice of Withdrawal and other exchange offer materials from the Information Agent at MetLife’s expense. You may also obtain additional copies of the Offer to Exchange, the Letter of Instructions, this Instruction Booklet and the form of Notice of Withdrawal at www.dfking.com/metlife.

          8. Backup Withholding. In order to avoid U.S. federal “backup withholding” at a rate of 28 percent with respect to cash received in exchange for fractional shares pursuant to the exchange offer, each Trust Beneficiary instructing the Custodian to notify and instruct the Trustee to tender the number of shares of MetLife common stock represented by the Trust Interests set forth on the Letter of Instructions must provide the Custodian with the Trust Beneficiar(y’s)(ies’) correct Taxpayer Identification Number (“TIN”), generally a Trust Beneficiary’s social security or federal employer identification number, on the Substitute Form W-9, which is provided on the reverse side of the Letter of Instructions or, alternatively, to establish another basis for exemption from backup withholding. A Trust Beneficiary must cross out item (2) in Part 2 of the Substitute Form W-9 if such Trust Beneficiary is subject to backup withholding. In addition to potential penalties, failure to provide the correct information on the Substitute Form W-9 may subject the Trust Beneficiary to 28% federal income tax backup withholding on any cash payments made to such Trust Beneficiary pursuant to the exchange offer. If the Trust Beneficiary has not been issued a TIN and has applied for one or intends to apply for one in the near future, such Trust Beneficiary should write “Applied For” in the space provided for the TIN in Part 1 of the Substitute Form W-9, and sign and date the Substitute Form W-9. If “Applied For” is written in Part 1 and the Exchange Agent is not provided with a TIN by the time of payment, the Exchange Agent will withhold 28% from any cash payments made to such Trust Beneficiary. A Trust Beneficiary that is not a U.S. person may qualify as an exempt recipient by submitting to the Custodian a properly completed Form W-8BEN, Form W-8ECI, Form W-8EXP or Form W-8IMY, as applicable (which can be obtained from the Internal Revenue Service (“IRS”) website http://www.irs.gov or by contacting the Exchange Agent) signed under penalty of perjury, attesting to that Trust Beneficiary’s exempt status. Please see “Important U.S. Federal Tax Information” below.

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     9. Withdrawal. In order to withdraw your instruction to tender shares of MetLife common stock represented by the Trust Interests, you must provide in writing or by facsimile a Notice of Withdrawal to the Custodian at its address set forth on the cover page of this Instruction Booklet set forth under “For Withdrawals”. That notice must include your name, address, social security number and the Trust Interests representing the shares of MetLife common stock to be withdrawn, and, if the name is different from that of the Person who instructed the tender the shares of MetLife common stock represented by those Trust Interests, the name of the Trust Beneficiary. MetLife has provided to Trust Beneficiaries a form of Notice of Withdrawal, which you may use to withdraw your shares of MetLife common stock represented by the Trust Interests. You may obtain additional forms of Notices of Withdrawal from the Information Agent. It is important to send the Notice of Withdrawal to the address or facsimile number set forth under “For Withdrawals” on the cover page of this Instruction Booklet. Delivery to any other address or facsimile at the Custodian will not be deemed a good order delivery and the withdrawal request will not be honored.

     10. Waiver of Conditions. MetLife reserves the absolute right in its sole discretion to waive any of the specified conditions, in whole or in part, to the exchange offer at any time, other than the conditions relating to the absence of an injunction and the effectiveness of the registration statement for the RGA class B common stock to be distributed in the exchange offer.

     11. Irregularities. MetLife reserves the absolute right to reject any and all tenders of shares of MetLife common stock represented by the Trust Interests that it determines are not in proper form or the acceptance of or exchange for which may, in the opinion of its counsel, be unlawful. MetLife also reserves the absolute right to waive any defect or irregularity in the tender of any shares of MetLife common stock represented by the Trust Interests.

     No tender of shares of MetLife common stock represented by the Trust Interests will be valid and deemed to be properly made until all defects and irregularities in tenders of such shares of MetLife common stock represented by the Trust Interests have been cured or waived. None of MetLife, the Custodian, the Trustee, the Exchange Agent, the Information Agent or any other person is or will be under any duty to give notice of any defects or irregularities in the tender of shares of MetLife common stock represented by the Trust Interests and none of them will incur any liability for failure to give any such notice.

     MetLife will make all determinations regarding the validity, form, eligibility (including time of receipt) and acceptance for exchange of any tender of shares of MetLife common stock represented by the Trust Interests in its sole discretion, and its determinations shall be final and binding. MetLife’s interpretations of the terms and conditions of this exchange offer, including the Letter of Instructions and this Instruction Booklet, shall be final and binding.

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IMPORTANT U.S. FEDERAL TAX INFORMATION

          THE FOLLOWING DISCUSSION OF IMPORTANT U.S. FEDERAL TAX INFORMATION IS NOT INTENDED OR WRITTEN TO BE USED, AND CANNOT BE USED, FOR THE PURPOSE OF AVOIDING U.S. FEDERAL INCOME TAX PENALTIES. SUCH DISCUSSION IS WRITTEN TO SUPPORT THE PROMOTION OR MARKETING OF THE TRANSACTIONS OR MATTERS ADDRESSED HEREIN. EACH TRUST BENEFICIARY SHOULD SEEK ADVICE BASED ON SUCH TRUST BENEFICIARY’S PARTICULAR CIRCUMSTANCES FROM AN INDEPENDENT TAX ADVISOR.

          Each Trust Beneficiary who instructs the tender of shares of MetLife common stock represented by the Trust Interests in the exchange offer, or such Trust Beneficiary’s assignee (in either case, the “Payee”) is required to provide its correct Taxpayer Identification Number (“TIN”) on the Substitute Form W-9, set forth on the reverse side of the Letter of Instructions, and to certify under penalties of perjury that such number is correct or otherwise establish a basis for exemption from backup withholding. For instructions as to the proper TIN to be provided, see the “Guidelines for Certification of Taxpayer Identification Number on Substitute Form W-9” (the “Guidelines”) below. If the Payee does not provide its correct TIN or an adequate basis for an exemption, such Payee may be subject to a penalty imposed by the IRS and backup withholding in an amount equal to 28% of any cash payment made to the Trust Beneficiary with respect to Interests tendered in connection with the exchange offer. Backup withholding is not an additional tax. Rather, any amount of tax withheld will be credited against the tax liability of the person subject to the withholding. If withholding results in an overpayment of taxes, a refund may be obtained from the IRS.

          To prevent backup withholding, each Payee that is a U.S. person (including a U.S. resident alien) must provide (i) its correct TIN by completing the Substitute Form W-9 set forth on the reverse side of the Letter of Instructions, certifying, under penalties of perjury, (x) that the TIN provided is correct (or that such Payee is awaiting a TIN), (y) that the Payee is not subject to backup withholding because (A) the Payee is exempt from backup withholding, (B) the Payee has not been notified by the IRS that it is subject to backup withholding as a result of a failure to report all interest or dividends, or (C) the IRS has notified the Payee that it is no longer subject to backup withholding, and (z) that such Payee is a U.S. person (including a U.S. resident alien), or (ii) if applicable, an adequate basis for exemption. A Trust Beneficiary must cross out item (2) in Part 2 of the Substitute Form W-9 if such Trust Beneficiary has been notified by the IRS that such Trust Beneficiary is currently subject to backup withholding because of underreporting interest or dividends on such Trust Beneficiary’s tax return.

          If the Payee does not have a TIN, such Payee should consult the Guidelines for instructions on applying for a TIN, write “Applied For” in the space for the TIN in Part 1 of the Substitute Form W-9, and sign and date the Substitute Form W-9. If “Applied For” has been written in Part 1 of the Substitute Form W-9, 28% of any cash payment made to the Trust Beneficiary with respect to the MetLife common stock tendered in connection with the exchange offer will be withheld unless a TIN is provided by the time payment is made.

          If the shares of MetLife common stock represented by the Trust Interests are in more than one name or are not in the name of the actual owner, please consult the Guidelines for information on which TIN to report.

          Certain Payees (including, among others, corporations and certain foreign Persons) are not subject to these backup withholding and reporting requirements. Exempt U.S. holders should indicate their exempt status on Substitute Form W-9. A Trust Beneficiary that exchanges shares of MetLife common stock represented by the Trust Interests in the exchange offer that is not a U.S. person may qualify as an exempt recipient by submitting to the Custodian a properly completed Form W-8BEN, Form W-8ECI, Form W-8EXP or Form W-8IMY, as applicable, signed under penalties of perjury, attesting to such Payee’s exempt status. Non-U.S. persons may obtain the appropriate IRS Form W-8 from the IRS website (http://www.irs.gov) or by contacting the Exchange Agent.

          FAILURE TO COMPLETE THE SUBSTITUTE FORM W-9 ON THE REVERSE SIDE OF THE LETTER OF INSTRUCTIONS OR AN APPROPRIATE FORM W-8 MAY RESULT IN WITHHOLDING ON ANY CASH PAYMENTS MADE TO YOU PURSUANT TO THE EXCHANGE OFFER.

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GUIDELINES FOR CERTIFICATION OF
TAXPAYER IDENTIFICATION NUMBER ON SUBSTITUTE FORM W-9

Guidelines for Determining the Proper Identification Number for the Payee (You) to Give the Payer—Social Security numbers have nine digits separated by two hyphens: i.e., 000-00-0000. Employer identification numbers have nine digits separated by only one hyphen: i.e., 00-0000000. The table below will help determine the number to give the payer. All “Section” references are to the Internal Revenue Code of 1986, as amended. “IRS” is the Internal Revenue Service.

	Give the name and
	social security
For this type of account:	number of
1.  Individual	The individual
2.   Two or more individuals (joint account)	The actual owner of the account or, if combined funds, the first individual on the account1
3.  Custodian account of a minor (Uniform Gift to Minors Act)	The minor2
4.  a. The usual revocable savings trust (grantor is also trustee)	The grantor-trustee1
b.  So-called trust account that is not a legal or valid trust under state law	The actual owner1
5.  Sole proprietorship or single- owner LLC	The owner3

	Give the name and
	employer
	identification
For this type of account:	number of
6.   Sole proprietorship or single-member LLC	The owner3
7.  A valid trust, estate, or pension trust	The legal entity4
8.  Corporate or LLC electing corporate status on Form 8832	The corporation
9.  Association, club, religious, charitable, educational, or other tax-exempt organization	The organization
10. Partnership or multi-member LLC	The partnership
11. A broker or registered nominee	The broker or nominee
12.  Account with the Department of Agriculture in the name of a public entity (such as a state or local government, school district, or prison) that receives agricultural program payments	The public entity

1	List first and circle the name of the person whose number you furnish. If only one person on a joint account has a social security number, that person’s number must be furnished.
2	Circle the minor’s name and furnish the minor’s social security number.
3	You must show your individual name, but you may also enter your business or “doing business as” name. You may use either your social security number or your employer identification number (if you have one).
4	List first and circle the name of the legal trust, estate, or pension trust. (Do not furnish the taxpayer identification number of the personal representative or trustee unless the legal entity itself is not designated in the account title.)

NOTE: If no name is circled when there is more than one name listed, the number will be considered to be that of the first name listed.

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GUIDELINES FOR CERTIFICATION OF
TAXPAYER IDENTIFICATION
NUMBER ON SUBSTITUTE FORM W-9

Page 2

Obtaining a Number

If you do not have a taxpayer identification number, apply for one immediately. To apply for a SSN, get Form SS-5, Application for a Social Security Card, from your local Social Security Administration office. Get Form W-7, Application for IRS Individual Taxpayer Identification Number, to apply for a TIN, or Form SS-4, Application for Employer Identification Number, to apply for an EIN. You can get Forms W-7 and SS-4 from the IRS by calling 1 (800) TAX-FORM, or from the IRS Web Site at www.irs.gov.

Payees Exempt From Backup Withholding

Payees specifically exempted from backup withholding include:

1.	An organization exempt from tax under Section 501(a), an individual retirement account (IRA), or a custodial account under Section 403(b)(7) if the account satisfies the requirements of Section 401(f)(2).
2.	The United States or any of its agencies or instrumentalities.
3.	A state, the District of Columbia, a possession of the United States, or any of their political subdivisions or instrumentalities.
4.	A foreign government or any of its political subdivisions, agencies or instrumentalities.
5.	An international organization or any of its agencies or instrumentalities.

Payees that may be exempt from backup withholding include:

6.	A corporation.
7.	A foreign central bank of issue.
8.	A dealer in securities or commodities required to register in the United States, the District of Columbia, or a possession of the United States.
9.	A futures commission merchant registered with the Commodity Futures Trading Commission.
10.	A real estate investment trust.
11.	An entity registered at all times during the tax year under the Investment Company Act of 1940.
12.	A common trust fund operated by a bank under Section 584(a). 13. A financial institution.
13.	A financial institution.
14.	A middleman known in the investment community as a nominee or custodian.
15.	A trust exempt from tax under Section 664 or described in Section 4947.

The chart below shows types of payments that may be exempt from backup withholding. The chart applies to the exempt recipients listed above, 1 through 15.

If the payment is for ...	THEN the payment is exempt for ...
Interest and dividend payments	All exempt recipients except for 9
Broker transactions	Exempt recipients 1 through 13. Also, a person registered under the Investment Advisers Act of 1940 who regularly acts as a broker
Barter exchange transactions and patronage dividends	Exempt recipients 1 through 5
Payments over $600 required to be reported and direct sales over $50001	Generally, exempt recipients 1 through 72

1	See Form 1099-MISC, Miscellaneous Income, and its instructions.
2	However, the following payments made to a corporation (including gross proceeds paid to an attorney under Section 6045(f), even if the attorney is a corporation) and reportable on Form 1099-MISC are not exempt from backup withholding: medical and healthcare payments, attorneys’ fees and payments for services paid by a federal executive agency.

Exempt payees should complete a substitute Form W-9 to avoid possible erroneous backup withholding. Furnish your taxpayer identification number, check the appropriate box for your status, check the “Exempt Payee” box, sign and date the form and return it to the payer. Foreign payees who are not subject to backup withholding should complete an appropriate Form W-8 and return it to the payer ..

Privacy Act Notice. Section 6109 requires you to provide your correct taxpayer identification number to payers who must file information returns with the IRS to report interest, dividends, and certain other income paid to you to the IRS. The IRS uses the numbers for identification purposes and to help verify the accuracy of your return and may also provide this information to various government agencies for tax enforcement or litigation purposes and to cities, states, and the District of Columbia to carry out their tax laws, and may also disclose this information to other countries under a tax treaty, or to Federal and state agencies to enforce Federal nontax criminal laws and to combat terrorism. Payers must be given the numbers whether or not recipients are required to file tax returns. Payers must generally withhold 28% of taxable interest, dividend, and certain other payments to a payee who does not furnish a taxpayer identification number to a payer. Certain penalties may also apply.

Penalties

(1) Failure to Furnish Taxpayer Identification Number. If you fail to furnish your correct taxpayer identification number to a payer, you are subject to a penalty of $50 for each such failure unless your failure is due to reasonable cause and not to willful neglect.

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(2) Civil Penalty for False Information with Respect to Withholding. If you make a false statement with no reasonable basis that results in no backup withholding, you are subject to a $500 penalty.

(3) Criminal Penalty for Falsifying Information. Willfully falsifying certifications or affirmations may subject you to criminal penalties including fines and/or imprisonment.

FOR ADDITIONAL INFORMATION CONTACT YOUR TAX CONSULTANT OR THE IRS.

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EX-99.A.1.VIII

Exhibit (a)(1)(viii)

IMMEDIATE ATTENTION REQUIRED

August 14, 2008  

Re: Exchange Offer

Dear Plan Participant:

     The enclosed Offer to Exchange, dated August 11, 2008, as it may be amended or supplemented from time to time (the “Exchange Offer Prospectus”), describes the offer (the “Exchange Offer”) by MetLife, Inc., a Delaware corporation (“MetLife”), to exchange up to 29,243,539 shares of class B common stock, par value $0.01 per share, of Reinsurance Group of America, Incorporated (“RGA”) (“RGA Class B Stock”), a Missouri corporation, for outstanding shares of MetLife common stock, par value $0.01 per share (“MetLife Shares”), that are validly tendered and not properly withdrawn, upon the terms and subject to the conditions set forth in the Exchange Offer Prospectus and in the related letter of transmittal. Our records reflect that, as a participant in one or more of the Savings and Investment Plan for Employees of Metropolitan Life, New England Life Insurance Company Agents’ Deferred Compensation Plan and Trust, New England Life Insurance Company Agents’ Retirement Plan and Trust or the New England Life Insurance Company 401(k) Savings Plan and Trust (as applicable to you, the “Plan”), a portion of your individual account under the Plan is invested in the MetLife Company Stock Fund (“Stock Fund”).

     As described below, you have the right to instruct The Bank of New York Mellon (“Trustee” or “BNY Mellon”), as the trustee for the Plan, regarding whether to tender the MetLife Shares (other than fractional shares) attributable to your individual account under the Plan. You will need to complete the enclosed Direction Form and return it to the Trustee’s tabulator in the enclosed return envelope so that it is RECEIVED no later than 5:00 p.m., New York City time, on Monday, September 8, 2008.

     The remainder of this letter summarizes your rights under the Plan and the procedures for completing and submitting the Direction Form. The description of the transaction or its terms in this letter is incomplete, and is qualified in its entirety by reference to the Exchange Offer Prospectus.

BACKGROUND

     To understand the Exchange Offer and for a complete description of its terms and conditions, you should carefully read the entire Exchange Offer Prospectus. The Exchange Offer is being made in conjunction with a recapitalization of the common stock of RGA into two classes – RGA class A common stock (the “RGA Class A Stock”) and the RGA Class B Stock (the “Recapitalization”). In the Recapitalization, each

1

outstanding share of RGA common stock will be reclassified as one share of RGA Class A Stock. MetLife and its subsidiaries currently hold approximately 52% of the outstanding RGA common stock, and immediately after the Recapitalization, MetLife and its subsidiaries will exchange each share of their RGA Class A Stock (other than 3 million shares of RGA Class A Stock) with RGA for one share of RGA Class B Stock. In the Exchange Offer, MetLife is making an offer to MetLife stockholders to acquire their MetLife Shares in exchange for all of the 29,243,539 shares of RGA Class B Stock that MetLife and its subsidiaries will hold after the Recapitalization. In the Exchange Offer, MetLife is offering the RGA Class B Stock at a discount to the per share value of the RGA Class B Stock, subject to a limit on the number of shares of RGA Class B Stock per share of the MetLife Shares that may be received by tendering MetLife stockholders (see the Exchange Offer Prospectus for details about the discount being offered). Note that the final exchange ratio of the number of shares of RGA Class B Stock that tendering MetLife stockholders will receive for each MetLife Share accepted in the Exchange Offer will be available at www.dfking.com/metlife and by press release no later than 4:30 p.m., New York City time, on the expiration date of the Exchange Offer. If the Exchange Offer is oversubscribed, the tendered MetLife Shares will be subject to proration when the Exchange Offer expires. MetLife stockholders who directly or beneficially own fewer than 100 MetLife Shares may, subject to certain restrictions, request that their MetLife Shares not be subject to proration (“Odd Lot Preference”). MetLife’s obligation to accept MetLife Shares is subject to conditions specified in the Exchange Offer Prospectus, which you should review in detail.

     Participation in the Exchange Offer, and an investment in RGA Class B Common Stock, has certain potential risks associated with it. For example, as explained further in the Exchange Offer Prospectus, there is currently no trading market for RGA Class B Common Stock and MetLife and RGA cannot predict the prices at which RGA Class B Common Stock will trade after the Exchange Offer. You should read the Exchange Offer Prospectus in order to understand the potential risks associated with the Exchange Offer.

     MetLife will also announce whether the limit on the number of shares that can be received for each MetLife Share tendered is in effect at the expiration of the originally contemplated exchange offer period. If the limit is in effect at that time, then the exchange ratio will be fixed at the limit and the Exchange Offer will be extended until 12:00 midnight, New York City time, at the end of the second trading day following the Expiration Date. During this “maximum limit” extension, Plan participants will be permitted to withdraw previously tendered shares or reduce the number of shares previously tendered but any such direction must be received by the Trustee’s tabulator by 5:00 p.m., New York City time on the business day preceding the extended expiration date for the Exchange Offer. No new tender offers of MetLife Shares will be accepted during this extension.

     The Exchange Offer is being made available with respect to all outstanding MetLife Shares, including those MetLife Shares held by each Plan. As of June 30, 2008 the Plans held approximately 5.04 million MetLife Shares (in aggregate) allocated to participant accounts. Only BNY Mellon, as Trustee of the Plan, can tender these MetLife Shares in the Exchange Offer on behalf of Plan participants. MetLife Shares held by the Plan are held in the Stock Fund, a fund that is invested primarily in shares of MetLife,

2

Inc. common stock (and some cash for liquidity). Participants’ interests in the Stock Fund are denominated in “equity investment units” that will increase or decrease in value based on the market value of MetLife, Inc. common stock.

     Nonetheless, as a participant in the Plan, you have the right to direct the Trustee whether to tender some or all of the MetLife Shares represented by the equity investment units credited to your account in the Plan in exchange for RGA Class B Stock. Unless otherwise required by applicable law, the Trustee will tender MetLife Shares attributable to participant accounts in accordance with participant instructions and the Trustee will not tender MetLife Shares attributable to participant accounts for which it does not receive timely instructions. If you do not complete the enclosed Direction Form and return it to the Trustee’s tabulator on a timely basis, you will be deemed to have elected not to participate in the Exchange Offer and no MetLife Shares attributable to your Plan account will be tendered.

FOLLOWING YOUR DIRECTIONS

     The Plans are participant-directed plans and designed to comply with section 404(c) of the Employee Retirement Income Security Act (ERISA). The opportunity to tender MetLife Shares in this Exchange Offer is being passed through to each participant who, for these purposes, acts as a named fiduciary of his or her Plan account. Neither MetLife nor the Plan’s Administrator, acting independently from MetLife (the owner of the RGA Class B Stock subject to this Exchange Offer), offers any opinion as to whether a Plan participant should or should not tender the MetLife Shares represented by the equity investment units credited to his or her Plan account.

     The enclosed Direction Form allows you to specify the number of MetLife Shares represented by the equity investment units credited to your account that you wish to tender. As detailed below, if you direct the Trustee to tender MetLife Shares, the Trustee may be required to tender MetLife Shares on terms different than those set forth on your Direction Form.

     Unless otherwise required by applicable law, BNY Mellon will not tender MetLife Shares for which it has received no direction, or for which it has received an invalid Direction Form. Neither BNY Mellon nor the Plan Administrator makes any recommendation as to whether to direct the tender of MetLife Shares or whether to refrain from directing the tender of MetLife Shares. EACH PARTICIPANT OR BENEFICIARY MUST MAKE HIS OR HER OWN DECISION.

     It is anticipated that shares of RGA Class B Stock received by the Plan in the Exchange Offer will be held in a newly established investment fund, to be known as the RGA Frozen Fund. Participants in the Plan, with or without balances in the RGA Frozen Fund, will not be permitted to transfer amounts from other investment funds in the Plan to the RGA Frozen Fund and will not be permitted to direct the investment of future contributions into the RGA Frozen Fund. Participants in the Plan with balances in the RGA Frozen Fund as a result of the Exchange Offer may transfer or withdraw balances out of the RGA Frozen Fund as allowed by the Plan.

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     It is also anticipated that the RGA Frozen Fund will have a relatively high risk and return profile. Because the fund is an undiversified single-stock investment, concentrating your savings in any single stock should be considered a high-risk, high-potential return investment. Principal is not guaranteed and negative quarterly returns over multiple periods may occur.

CONFIDENTIALITY

     To assure the confidentiality of your decision, the Trustee and its affiliates or agents will tabulate the Direction Forms. Neither the Trustee nor its affiliates or agents will disclose your individual direction to MetLife or any of its affiliates, except as necessary to accomplish the transactions contemplated in the Exchange Offer.

PROCEDURE FOR DIRECTING TRUSTEE

     Enclosed is a Direction Form that should be completed and returned to the Trustee’s tabulator. If you do not properly complete the Direction Form or do not return it by the deadline specified, such MetLife Shares will be considered NOT TENDERED.

     You should retain a copy of the Direction Form for your records. To properly complete your Direction Form you must do the following:

(1)	Date and sign the Direction Form in the space provided.
(2)	On the face of the Direction Form, check Box 2 or 3.

• CHECK BOX 2 if you would like ALL of the MetLife Shares represented by the equity investment units credited to your individual account tendered for exchange in accordance with the terms of the Exchange Offer. Keep in mind that fractional shares will not be tendered and a small balance may remain in your MetLife Company Stock Fund Account

• CHECK BOX 3 if you do want some of the MetLife Shares represented by the equity investment units credited to your individual account tendered for exchange in accordance with the terms of the Exchange Offer and specify the number (in whole numbers) of MetLife Shares represented by the equity investment units credited to your individual account that you want to tender. See the note below about specifying a number of shares.

(3) As an option, you may check Box 4 in addition to Box 2

• BOX 4: Participants who own fewer than 100 MetLife Shares represented by the equity investment units credited to your individual account (“Odd Lot Preference”) and wish to tender all of their MetLife Shares may check Box 4 entitled “Odd Lot Preference” on the Direction Form. Such participants will receive preferential treatment if the Exchange Offer is oversubscribed, in that

4

all such MetLife Shares tendered will be accepted for exchange and will not be subject to proration.

(4)

Return the Direction Form in the enclosed return envelope so that it is RECEIVED by the Trustee’s tabulator at the address on the return envelope (BNY Mellon Shareowner Services, P.O. Box 3353, South Hackensack, NJ 07606-3353. Attn: Corporate Actions Dept.) no later than 5:00 p.m. New York City time, on Monday, September 8, 2008. If you wish to return the form by overnight courier, please send it to the Trustee’s tabulator at (BNY Mellon Shareowner Services, 480 Washington Boulevard, Attn: Corporate Actions Dept., 27th Floor, Jersey City, New Jersey 07310). Directions to tender via facsimile will not be accepted.

(5)

If you would like to withdraw a previous tender of MetLife Shares, you must submit a Withdrawal Form that is RECEIVED by the Trustee’s tabulator at the address on the return envelope or the overnight address (see above) no later than 5:00 p.m. New York City time, on Monday, September 8, 2008.

WITHDRAWALS

     Your direction to tender will be deemed irrevocable unless withdrawn by 5:00 p.m., New York City time, on Monday, September 8, 2008, unless the Exchange Offer is extended in accordance with the terms and conditions described in the enclosed Exchange Offer Prospectus.

     If the Exchange Offer is extended because the “maximum limit” has been reached or a “market disruption event” has occurred, you may withdraw your instruction to tender but may not tender new or additional MetLife Shares not previously tendered. Your Withdrawal Form must be received by the Trustee’s tabulator no later than 5:00 p.m., New York City time on the business day preceding the extended expiration date for the Exchange Offer.

     In order to make an effective withdrawal of previously tendered MetLife Shares, you must submit a Withdrawal Form (enclosed). Upon receipt of a completed and signed Withdrawal Form, your previous direction will be deemed canceled. You may direct the re-tendering of any MetLife Shares represented by the equity investment units credited to your individual account by repeating the previous instructions for directing tenders as set forth in this letter. You may also withdraw your direction to tender by faxing the Withdrawal Form to the Trustee’s tabulator at (201) 680-4630 (Note that you may not provide your initial instruction to tender shares by fax). Any offer to tender shares via fax, unless withdrawing, will be deemed invalid. Your Withdrawal Form must be received by the applicable deadlines noted above to be effective. You can call (201) 680-4860 to confirm the receipt of your Withdrawal Form only. No tender offers or withdrawals will be accepted via telephone.

     After the deadline above for returning the Direction Form and/or Withdrawal Form to the Trustee’s tabulator, the Trustee and its affiliates or agents will complete the

5

tabulation of all directions. The Trustee will tender the appropriate total number of MetLife Shares on behalf of the Plan as a whole.

     For any MetLife Shares in the Plan that are tendered and accepted by MetLife, MetLife will transfer RGA Class B Stock to the Plan, subject to the terms and conditions described in the Exchange Offer Prospectus (including the proration rules described above). INDIVIDUAL PARTICIPANTS IN THE PLAN WILL NOT, HOWEVER, RECEIVE ANY RGA CLASS B STOCK DIRECTLY. ALL SUCH SHARES AND OTHER PROCEEDS OF THE EXCHANGE OFFER WILL REMAIN IN THE PLAN AND MAY BE WITHDRAWN ONLY IN ACCORDANCE WITH THE TERMS OF THE PLAN. Any MetLife Shares represented by the equity investment units credited to your account that are not exchanged for RGA Class B Stock in the Exchange Offer will remain allocated to your individual account under the Plan.

     Please note that only a whole number of MetLife Shares may be tendered in the Exchange Offer and only a whole number of shares of RGA Class B Stock will be received in the Exchange Offer. For this purpose, fractional MetLife Shares represented by the equity investment units credited to your account in the Plan are not eligible to be tendered.

EFFECT OF THE OFFER ON YOUR ACCOUNT

          If you have provided a valid instruction to tender any of the MetLife Shares represented by the equity investment units credited to your account, all transfers out, withdrawals, loans and distributions involving the Stock Fund will be unavailable to you for a period of time beginning at 4:00 p.m., New York City time on September 9, 2008. Any transaction activity out of the Stock Fund will not be permitted and all outstanding orders to sell your interests in the Stock Fund will be cancelled as of 4:00 p.m., New York City time, on September 8, 2008.

          Balances in the Stock Fund will be utilized to calculate amounts eligible for loans and withdrawals throughout this restriction period. These restrictions will apply ONLY TO THOSE PARTICIPANTS WHO ELECT TO TENDER. If you decide to tender, before the tender deadline, you should evaluate the appropriateness of your current investment decisions given your inability to make changes during this period. Please note that these restrictions DO NOT impact your ability to invest new contributions in or transfer funds INTO the Stock Fund.

          Upon completion of the exchange, the RGA Frozen Fund will be established within the Plan to hold the shares of RGA Class B Stock received by the Plan as a result of the Exchange Offer. Similar to the Plan accounting method used by the Stock Fund, the RGA Frozen Fund will be comprised of both RGA Class B Stock and a cash component in order to satisfy participant transactions. Participants’ interests in the RGA Frozen Fund will also be denominated in equity units that will increase or decrease in value based on the market value of RGA Class B Stock.

          It is anticipated that the processing and crediting of units of the RGA Frozen Fund into participants’ accounts will be completed 1 to 2 business days after receipt by the Plan of the RGA Class B Stock.

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     If you are a participant in the Savings and Investment Plan for Employees of Metropolitan Life you can contact the Retirement Benefits Service Center at 800-677-5678 or log on to the plan website at www.yourretirementbenefits.net/metlife after the reinvestment is complete to learn the effect of the tender on your account.

     If you are a participant in any of the New England Life Insurance Company plans you can call 800-338-4015 to access the KeyTalk system or log on to the plan website at www.gwrs.com after the reinvestment is complete to learn the effect of the tender on your account.

     The RGA Frozen Fund is not intended to be a long-term investment option under the Plan and therefore, will not accept any new monies after the initial share deposit. If, as of the date that the RGA Frozen Fund is terminated as a Plan investment fund, you have not transferred your holdings from the RGA Frozen Fund to another investment fund offered under the Plan, your balance in the RGA Frozen Fund will be liquidated and transferred to a Fund which is selected by the Plan Administrator.

     While participants will not recognize any immediate tax gain or loss as a result of the tender offer, the tax treatment of future withdrawals or distributions from the Plan may be adversely impacted by a tender and sale of shares within the Plan. Specifically, under current federal income tax rules, if you receive from the Plan a lump sum distribution that includes the MetLife Shares that have increased in value while they were held by the Plan, under certain circumstances, you may have the option of deferring paying taxes on this increase in value, until you sell the shares. This is referred to as net unrealized appreciation. When the shares are sold, any gain up to the amount of the untaxed net unrealized appreciation is taxed as long-term capital gain. If shares credited to your individual Plan account are tendered by you and accepted by MetLife in the Exchange Offer, you will no longer be able to take advantage of this tax benefit on those MetLife Shares. Please note that if you receive a distribution from the Plan and have amounts invested in the RGA Frozen Fund, you will receive only the cash proceeds resulting from the sale of the RGA Class B Stock and will not be able to benefit from net unrealized appreciation with respect to the RGA Class B Stock.

PROCEDURE FOR VALUING THE EXCHANGE OF SHARES

     Within the Plan, balances held in the Stock Fund are valued based on a number of units and daily unit value. As such, you do not actually hold MetLife common stock, but rather share in a fund that primarily invests in MetLife common stock. As a result of this unit valuation, the following process will be used to determine the final value of your account to be liquidated from the Stock Fund and the value of the account to be created in the new RGA Frozen Fund.

     Valuing the Shares to be Tendered from the Stock Fund. Upon final determination by the Exchange Agent of the number of MetLife Shares available for exchange, the value of each participant’s shares to be exchanged will be converted to a dollar amount based on the closing market price of MetLife common stock as of the day of the actual share exchange. The value of those shares is expected to be removed from your Stock

7

Fund account within two (2) business days of the MetLife Shares being removed from the Plan Trust.

     Example – if the MetLife Shares are removed from the Stock Fund (exchanged) on Wednesday, September 17, 2008, the value of the participant’s Stock Fund account to be liquidated will be based on the number of individual shares tendered multiplied by the closing price of MetLife common stock on that Wednesday, the day of the share exchange. The actual liquidation of equity investment units in your account may not be processed until the trading day following the removal of the MetLife Shares from the Plan Trust (Thursday).

     Valuing the new RGA Frozen Fund. Upon final determination by the Exchange Agent of the amount of RGA Class B Stock to be received, the value of each participant’s RGA Class B Stock will be converted to a dollar amount based on the first available closing market price of RGA Class B Stock after completion of the actual share exchange. The value of those shares is expected to be added to your RGA Frozen Fund account within two (2) business days of the RGA Class B Stock being added to the Plan Trust.

     Example – if the RGA Class B Stock is added to the RGA Frozen Fund (exchanged) on Wednesday, September 17, 2008, the value of the participant’s RGA Frozen Fund account to be received will be based on the number of individual shares expected to be received multiplied by the closing price of RGA Class B Stock at the end of the day following the share exchange (Thursday), or the earliest trading day that a closing stock price can be determined. Similar to the delay in actual liquidation of equity investment units in your Company Stock account, the addition of equity investment units into your RGA Frozen Fund account may be delayed until the trading day following the first available closing market price of RGA Class B Stock (Friday).

          Participants may notice that the value of their Plan account will decline based on the value of the MetLife Shares tendered on one day (Thursday), and may not see the value of their account increase based on the value of the RGA Class B Stock received until at least one trading day later (Friday), since the RGA Class B Stock may not have a market value until that subsequent trading day. References to specific weekdays are for explanation purposes only and the addition of equity investment units into your RGA Frozen Fund account will be processed as soon as administratively possible.

     As these funds are valued using units and unit values and a small portion of the overall fund’s balance is held in cash to satisfy daily trading requirements, the value of your account may not necessarily equal the calculated exchange value as described above, on subsequent trading days.

SHARES OUTSIDE THE PLAN

     If you hold MetLife Shares outside of the Plan, you will receive, under separate cover, Exchange Offer materials to be used to tender those MetLife Shares. Those Exchange Offer materials may not be used to direct the Trustee to tender or not tender the MetLife Shares attributable to your individual account under the Plan. Likewise, the tender of MetLife Shares attributable to your individual account under the

8

Plan will not be effective with respect to MetLife Shares you hold outside of the Plan. The direction to tender or not tender MetLife Shares attributable to your individual account under the Plan may only be made in accordance with the procedures in this letter. Similarly, the enclosed Direction Form and Withdrawal Form may not be used to tender MetLife Shares or withdraw previously tendered MetLife Shares held outside of the Plan.

FURTHER INFORMATION

     If you require additional information concerning the procedure to tender MetLife Shares attributable to your individual account under the Plan, please contact the trustee toll free at (877) 283-5854. If you require additional information concerning the terms and conditions of the Offer, please call D.F. King & Co., Inc, the Information Agent, toll free at (800) 825-0898.

Sincerely,

The Bank of New York Mellon, Trustee

9

EX-99.A.1.IX

Exhibit (a)(1)(ix)

Notice of Guaranteed Delivery

METLIFE, INC.
Offer to Exchange

29,243,539 Shares of Class B Common Stock of
REINSURANCE GROUP OF AMERICA, INCORPORATED
which are owned by MetLife, Inc. for
Outstanding Shares of Common Stock of
METLIFE, INC.
(Not To Be Used For Signature Guarantees)

     This Notice of Guaranteed Delivery, or a substantially equivalent form, must be used to accept this exchange offer, as set forth in the Offer to Exchange dated August 11, 2008 (the “Offer to Exchange”) and the related letter of transmittal (the “Letter of Transmittal”) in the following circumstances:

     (1) if certificates representing shares of common stock, par value $0.01 per share (the “MetLife common stock”), of MetLife, Inc. (“MetLife”), a Delaware corporation, are not immediately available;

     (2) if shares of MetLife common stock or other required documents cannot be delivered to the exchange agent, BNY Mellon Shareowner Services, on or before the expiration date of the exchange offer; or

     (3) if the procedures for book-entry transfer cannot be completed on a timely basis.

     This Notice of Guaranteed Delivery may be transmitted by facsimile or mailed to the exchange agent as described in the Offer to Exchange. Additional information can be found in the section entitled “The Exchange Offer—Procedures for Tendering—Guaranteed Delivery Procedures” in the Offer to Exchange. Only registered shareholders (including any participant in DTC whose name appears on a security position listing as the owner of shares of MetLife common stock) may submit this Notice of Guaranteed Delivery.

Exchange Agent:
BNY Mellon Shareowner Services

By Mail:	By Overnight Courier or By Hand:
Holders of Physical Stock Certificates	Attention: Corporate Actions Department, 27th Floor
Attention: Corporate Actions Department	Newport Office Center VII
P.O. Box 358401	480 Washington Boulevard
Pittsburgh, Pennsylvania 15252-8401	Jersey City, New Jersey 07310-2053
Holders of Direct Registration Shares
Attention: Corporate Actions Department
P.O. Box 3352
South Hackensack, New Jersey 07606-3352

     DELIVERY OF THIS NOTICE OF GUARANTEED DELIVERY TO AN ADDRESS OTHER THAN AS SET FORTH ABOVE OR TRANSMISSION OF INSTRUCTIONS VIA FACSIMILE TO A NUMBER OTHER THAN (201) 680-4630 (CONFIRM RECEIPT OF SUCH FACSIMILE AT (201) 680-4860) WILL NOT CONSTITUTE A VALID DELIVERY.

     An “Eligible Institution” may transmit this Notice of Guaranteed to the exchange agent of the exchange offer, BNY Mellon Shareowner Services, by facsimile transmission at (201) 680-4675 and confirm the receipt of such facsimile transmission at (201) 680-4860.

     This Notice of Guaranteed Delivery is not to be used to guarantee signatures. If a signature on the Letter of Transmittal is required to be guaranteed by an “Eligible Institution” under the instructions thereto, such signature guarantee must appear on the Letter of Transmittal in the applicable space provided in the signature box.

     BY EXECUTING THIS NOTICE OF GUARANTEED DELIVERY, YOU ARE GUARANTEEING THAT (I) THE SHARES OF METLIFE COMMON STOCK LISTED ON THIS NOTICE (OR WITH RESPECT TO SHARES OF METLIFE COMMON STOCK TENDERED THROUGH DTC, AN AGENT’S MESSAGE), (II) A LETTER OF TRANSMITTAL PROPERLY COMPLETED AND DULY EXECUTED (INCLUDING ANY SIGNATURE GUARANTEES THAT MAY BE REQUIRED), OR, IN THE CASE OF SHARES DELIVERED THROUGH DTC, AN AGENT’S MESSAGE (AS DEFINED IN THE OFFER TO EXCHANGE) AND (III) ANY OTHER REQUIRED DOCUMENTS WILL IN FACT BE DELIVERED TO THE EXCHANGE AGENT NO LATER THAN 12:00 MIDNIGHT, NEW YORK CITY TIME, BY THE THIRD NEW YORK STOCK EXCHANGE TRADING DAY AFTER THIS NOTICE OF GUARANTEED DELIVERY IS EXECUTED. FAILURE TO COMPLETE THE ABOVE ACTIONS BY SUCH TIME COULD RESULT IN FINANCIAL LOSS TO THE ELIGIBLE INSTITUTION MAKING THIS GUARANTEE.

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Ladies and Gentlemen:

     The undersigned hereby tenders to MetLife the number of shares of MetLife common stock set forth below, on the terms and subject to the conditions set forth in the Offer to Exchange and the related Letter of Transmittal and Instruction Booklet thereto, as amended or supplemented, which together constitute the offer by MetLife to exchange an aggregate of 29,243,539 shares of class B common stock, par value $0.01 per share (the “RGA class B common stock”), of Reinsurance Group of America, Incorporated (“RGA”), a Missouri corporation, for shares of MetLife common stock, pursuant to the guaranteed delivery procedures set forth in the Offer to Exchange in the section entitled “The Exchange Offer—Procedures for Tendering—Guaranteed Delivery Procedures.”

     Number of shares of MetLife common stock to be tendered and share certificate number(s) (if available):

(attach additional sheet if
necessary)

Check box if shares of MetLife common stock will be tendered by book-entry transfer through an account maintained by The Depository Trust Company: o

Account Number:
	(if known)
Registered Holding Signature(s)
Please type or print your name(s) here
Please type or print address
Area code and telephone number
Tax Identification or Social Security Number(s)

Dated:

ODD-LOTS

     This section is to be completed ONLY if shares of MetLife common stock are being tendered by or on behalf of a person directly or beneficially owning less than 100 shares of MetLife common stock who wishes to tender all such shares. Check one:

– By checking this box, I represent that I directly or beneficially own less than 100 shares of MetLife common stock and am tendering all my shares of MetLife common stock.

– By checking this box I represent that I am a broker, dealer, commercial bank, trust company or other nominee who (1) is tendering for the beneficial owners thereof, shares of MetLife common stock with respect to which I am the record owner; and (2) believes, based upon representations made to me by each such beneficial owner, that such owners own beneficially less than 100 shares of MetLife common stock and are tendering all such shares.

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GUARANTEED DELIVERY
(Not to be used for signature guarantees)

     The undersigned, a participant in the Securities Transfer Agent Medallion Program or an eligible guarantor institution (as defined in Rule 17Ad-15 under the Securities Exchange Act of 1934, as amended (the “Exchange Act”)) (each of the foregoing, an “Eligible Institution”) (i) represents and guarantees that the above-named person(s) own(s) the shares of MetLife common stock tendered hereby within the meaning of Rule 14e-4 of the Exchange Act; (ii) represents and guarantees that the tender of such shares of MetLife common stock complies with Rule 14e-4 of the Exchange Act; and (iii) guarantees to deliver to the exchange agent within three New York Stock Exchange trading days after the date hereof (a) share certificates representing all shares of MetLife common stock tendered hereby, in proper form for transfer (or, with respect to shares tendered through The Depository Trust Company (“DTC”), an agent’s message), (b) a Letter of Transmittal, properly completed and duly executed (including any signature guarantees that may be required) or, in the case of shares delivered through DTC, an agent’s message (as defined in the Offer to Exchange), and (c) any other required documents.

     The Eligible Institution that completes this form must communicate the guarantee to the exchange agent and must deliver the Letter of Transmittal and certificates for shares of MetLife common stock, or confirmation of book-entry transfer and an agent’s message, and any required documents to the exchange agent within the time period set forth herein. Failure to do so could result in a financial loss to such Eligible Institution.

Place Medallion guarantee in space below.

Name of Firm:

Address:

Telephone No.(s): (  )

Authorized Signature:

Name:

Please Type or Print

Title:

Dated:

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     DO NOT SEND CERTIFICATE(S) OR ANY OTHER REQUIRED DOCUMENTS WITH THIS NOTICE OF GUARANTEED DELIVERY. CERTIFICATES SHOULD BE SENT TO THE EXCHANGE AGENT WITH THE LETTER OF TRANSMITTAL (UNLESS A CONFIRMATION OF BOOK-ENTRY TRANSFER IS USED FOR SHARES TENDERED THROUGH DTC).

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EX-99.A.1.X

Exhibit (a)(1)(x)

Form of Notice of Withdrawal

METLIFE, INC.
Offer to Exchange
29,243,539 Shares of Class B Common Stock of
REINSURANCE GROUP OF AMERICA, INCORPORATED
which are owned by MetLife, Inc. for
Outstanding Shares of Common Stock of
METLIFE, INC.

THE EXCHANGE OFFER AND WITHDRAWAL RIGHTS WILL EXPIRE AT 12:00
MIDNIGHT, NEW YORK CITY TIME, ON SEPTEMBER 11, 2008 UNLESS THE
EXCHANGE OFFER IS EXTENDED OR TERMINATED. SHARES TENDERED
PURSUANT TO THE EXCHANGE OFFER MAY BE WITHDRAWN AT ANY TIME
PRIOR TO THE EXPIRATION OF THE EXCHANGE OFFER.

     The undersigned acknowledges receipt of the Offer to Exchange dated August 11, 2008 of MetLife, Inc. (“MetLife”), a Delaware corporation, for the offer to exchange 29,243,539 shares of class B common stock, par value $0.01 per share (the “RGA class B common stock”), of Reinsurance Group of America, Incorporated (“RGA”), a Missouri corporation, for outstanding shares of MetLife common stock, par value $0.01 per share (“MetLife common stock”), that are validly tendered and not properly withdrawn in the exchange offer. All withdrawals of shares of MetLife common stock previously tendered in the exchange offer must comply with the procedures described in the Offer to Exchange under ‘‘The Exchange Offer—Withdrawal Rights.”

     The undersigned has identified in the table below the shares that it is withdrawing from the exchange offer:

MetLife Common Stock
Certificated Shares		Direct Registration Shares
Share Certificate Number(s)	Number of Shares to be Withdrawn and Date(s) such Shares Were Tendered	Number of Shares to be such Withdrawn and Date(s) such Shares Were Tendered
TOTAL NUMBER OF SHARES OF COMMON STOCK WITHDRAWN

* If any shares of MetLife common stock were tendered through The Depository Trust Company (“DTC”), please provide the DTC Participant Number. This form should only be used for withdrawals of shares delivered through DTC if the undersigned needs to withdraw shares on the final day of the exchange offer and withdrawal through DTC is no longer available. Otherwise, the DTC form of withdrawal should be used for such shares.

You may transmit this Notice of Withdrawal to the exchange agent of the exchange offer, BNY Mellon Shareowner Services, by facsimile transmission at (201) 680-4630 and confirm the receipt of such facsimile transmission at (201) 680-4860. Alternatively, you may mail this Notice of Withdrawal to the exchange agent at the following address: BNY Mellon Shareowner Services, P.O. Box 3354, South Hackensack, New Jersey, 07606-3354.

This Notice of Withdrawal must be signed below by the registered holder(s) of the shares of MetLife common stock tendered as its or their names appear on the certificate(s) or on a security position listing or by person(s) authorized to become registered holder(s) by endorsements and documents transmitted with the Letter of Transmittal used to tender such shares. If signed by a trustee, executor, administrator, guardian, attorney-in-fact, officer or other person acting in a fiduciary or representative capacity, please set forth the full title of such persons.

Name of Firm/Individual:

Account Number(s):

Signature(s):

Capacity (full title):

Address (including Zip Code):

Area Code and Telephone Number:

Tax Identification or Social Security No.:

Dated:                                         , 2008

DTC Participant Number (applicable for shares tendered through DTC only):

     MetLife will determine all questions as to the validity, form and eligibility (including time of receipt) of any Notice of Withdrawal in its sole discretion. None of MetLife, the co-dealer managers, the exchange agent, the information agent, RGA or any other person is under any duty to give notice of any defects or irregularities in any Notice of Withdrawal and none of them will incur any liability for failure to give any such notice.

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EX-99.A.1.XI

Exhibit (a)(1)(xi)

FORM OF NOTICE OF WITHDRAWAL

METLIFE, INC.

Offer to Exchange
29,243,539 Shares of Class B Common Stock of
REINSURANCE GROUP OF AMERICA, INCORPORATED
which are owned by MetLife, Inc. for
Outstanding Shares of Common Stock of
METLIFE, INC.

THE DEADLINE FOR WITHDRAWING TRUST INTERESTS IS 5:00 P.M., NEW YORK CITY TIME,
SEPTEMBER 8, 2008 (THE “ELECTION DATE”). THE EXCHANGE OFFER WILL EXPIRE AT 12:00
MIDNIGHT, NEW YORK CITY TIME, ON SEPTEMBER 11, 2008 UNLESS THE EXCHANGE OFFER IS
EXTENDED OR TERMINATED. THE ELECTION DATE IS THREE BUSINESS DAYS PRIOR TO THE
EXPIRATION OF THE METLIFE EXCHANGE OFFER. TRUST INTERESTS REPRESENTING SHARES
OF METLIFE COMMON STOCK TENDERED PURSUANT TO THE EXCHANGE OFFER MAY BE
WITHDRAWN AT ANY TIME PRIOR TO THE ELECTION DATE.

     The undersigned acknowledges receipt of the Offer to Exchange dated August 11, 2008 (the “Offer to Exchange”) of MetLife, Inc. (“MetLife”), a Delaware corporation for the offer to exchange 29,243,539 shares of class B common stock, par value $0.01 per share (the “RGA class B common stock”), of Reinsurance Group of America, Incorporated (“RGA”), a Missouri corporation, for outstanding shares of MetLife common stock, par value $0.01 per share (“MetLife common stock”), that are validly tendered and not properly withdrawn in the exchange offer. You should only use this Notice of Withdrawal if you hold interests (“Trust Interests”) in the MetLife Policyholder Trust established under the MetLife Policyholder Trust Agreement (the “Trust Agreement”), dated as of November 3, 1999, by and among Metropolitan Life Insurance Company, MetLife, Wilmington Trust Company (the “Trustee”) and Mellon Investor Services LLC (doing business under the name of BNY Mellon Shareowner Services), as custodian (the “Custodian”). All withdrawals of instructions to tender shares of MetLife common stock represented by the Trust Interests in the exchange offer that were previously sent to the Custodian must comply with the procedures described in the Offer to Exchange under the heading “The Exchange Offer – Withdrawal Rights.”

     The undersigned has identified below the Trust Interests that it is withdrawing from the exchange offer:

NUMBER OF TRUST INTERESTS REPRESENTING
SHARES OF METLIFE COMMON STOCK BEING WITHDRAWN                                         

You may transmit this Notice of Withdrawal to the Custodian, by mail to BNY Mellon Shareowner Services, P.O. Box 3354, South Hackensack, New Jersey 07606-3354 or by facsimile transmission at (201) 680-4630 and confirm the receipt of such facsimile transmission at (201) 680-4860.

     This Notice of Withdrawal must be signed below by the Trust Beneficiar(y)(ies) of the Trust Interests representing shares of MetLife common stock tendered as its or their names are recorded in the records of the Custodian or by person(s) authorized to become Trust Beneficiar(y)(ies) by endorsements and documents transmitted with the Letter of Instructions used to tender such shares of MetLife common stock represented by the Trust Interests. If signed by a trustee, executor, administrator, guardian, attorney-in-fact, officer or other person acting in a fiduciary or representative capacity, please set forth the full title of such persons.

Name of Firm/Individual:

Account Number(s):

Signature(s):

Capacity (full title):

Address (including Zip Code):

Area Code and Telephone Number:

Tax Identification or Social Security No.:

Dated:                     , 2008

     MetLife will determine all questions as to the validity, form and eligibility (including time of receipt) of any Notice of Withdrawal in its sole discretion. None of MetLife, the co-dealer managers, the exchange agent, the Custodian, the Trustee, the information agent, RGA or any other person is under any duty to give notice of any defects or irregularities in any Notice of Withdrawal and none of them will incur any liability for failure to give any such notice.

EX-99.A.1.XII

Exhibit (a)(1)(xii)

Notice of Withdrawal for Metropolitan Life and New England Life Insurance Company
Employee Benefit Plan Participants

METLIFE, INC.
Offer to Exchange
29,243,539 Shares of Class B Common Stock of
REINSURANCE GROUP OF AMERICA, INCORPORATED
which are owned by MetLife, Inc. for
Outstanding Shares of Common Stock of
METLIFE, INC.

THE WITHDRAWAL RIGHTS FOR EMPLOYEE BENEFIT PLAN PARTICIPANTS WILL EXPIRE AT 5:00 P.M., NEW YORK
CITY TIME, ON SEPTEMBER 8, 2008 (THE “ELECTION DATE”). THE EXCHANGE OFFER WILL EXPIRE AT 12:00
MIDNIGHT, NEW YORK CITY TIME, AT THE END OF SEPTEMBER 11, 2008 UNLESS THE EXCHANGE OFFER IS
EXTENDED OR TERMINATED. THE ELECTION DATE IS THREE BUSINESS DAYS PRIOR TO THE EXPIRATION OF THE
EXCHANGE OFFER. METLIFE SHARES TENDERED PURSUANT TO THE EXCHANGE OFFER MAY BE WITHDRAWN AT
ANY TIME PRIOR TO THE ELECTION DATE.

     The undersigned acknowledges receipt of the Offer to Exchange, dated August 11, 2008, as it may be amended or supplemented from time to time (the “Exchange Offer Prospectus”), describing the offer (the “Exchange Offer”) of MetLife, Inc. (“MetLife”), a Delaware corporation, for the offer to exchange 29,243,539 shares of class B common stock, par value $0.01 per share (the “RGA Class B Stock”), of Reinsurance Group of America, Incorporated (“RGA”), a Missouri corporation, for outstanding shares of MetLife common stock, par value $0.01 per share (“MetLife Shares”), that are validly tendered and not properly withdrawn in the Exchange Offer. All withdrawals of MetLife Shares previously tendered in the Exchange Offer must comply with the procedures described in the Exchange Offer Prospectus under ''The Exchange Offer—Withdrawal Rights.”

     The undersigned has identified below the MetLife Shares that the Plan Participant is withdrawing from the Exchange Offer. Please check one box only. If you are withdrawing a specific number of MetLife Shares, you must provide the number of MetLife Shares to be withdrawn.

Œ	I elect to withdraw ALL MetLife Shares previously tendered	o
	I elect to withdraw a specific number of MetLife Shares previously tendered	o

► Whole number of MetLife Shares to withdraw:

     You may transmit this Notice of Withdrawal to the exchange agent of the Exchange Offer, BNY Mellon Shareowner Services, by facsimile transmission at (201) 680-4630 and confirm the receipt of such facsimile transmission by calling (201) 680-4860. Alternatively, you may mail this Notice of Withdrawal to the exchange agent at the following address: BNY Mellon Shareowner Services, P.O. Box 3354, South Hackensack, New Jersey, 07606-3354. This Notice of Withdrawal for Employee Benefit Plan Participants must be received by BNY Mellon Shareowner Services no later than 5:00 p.m. New York City time, on September 8, 2008 unless the Exchange Offer is extended or terminated.

This Notice of Withdrawal must be signed below by the Plan Participant or other person authorized to sign on behalf of the Plan Participant by documents transmitted herewith.

Name of Participant:                                                                                                                          

Plan Name: (check one box only)

o Savings and Investment Plan for Employees of Metropolitan Life (SIP)

o NELICO Agents’ Deferred Compensation Plan (ADC)

o NELICO Agents’ Retirement Plan (ARP)

o NELICO 401(k) Savings Plan (NESP)

Signature:                                                                                                                              

Address (including Zip Code):                                                                                

Area Code and Telephone Number:                                                                               

Last four digits of the Participant’s Social Security No.:                                         

Dated:                                                                                , 2008

     MetLife will determine all questions as to the validity, form and eligibility (including time of receipt) of any Notice of Withdrawal in its sole discretion. None of MetLife, the co-dealer managers, the exchange agent, the information agent, RGA or any other person is under any duty to give notice of any defects or irregularities in any Notice of Withdrawal and none of them will incur any liability for failure to give any such notice.

EX-99.A.1.XIII

Exhibit (a)(1)(xiii)

FORM OF LETTER TO BROKERS

METLIFE, INC.

Offer to Exchange
29,243,539 Shares of Class B Common Stock of

REINSURANCE GROUP OF AMERICA, INCORPORATED

which are owned by MetLife, Inc. for
Outstanding Shares of Common Stock of

METLIFE, INC.

THE EXCHANGE OFFER AND WITHDRAWAL RIGHTS WILL EXPIRE AT 12:00
MIDNIGHT, NEW YORK CITY TIME, ON SEPTEMBER 11, 2008 UNLESS THE
EXCHANGE OFFER IS EXTENDED OR TERMINATED. SHARES TENDERED
PURSUANT TO THE EXCHANGE OFFER MAY BE WITHDRAWN AT ANY TIME
PRIOR TO THE EXPIRATION OF THE EXCHANGE OFFER.

August 14, 2008

To Brokers, Dealers, Commercial Banks,
Trust Companies and Other Nominees:

     MetLife, Inc. (“MetLife”), a Delaware corporation, is offering, on the terms and subject to the conditions set forth in the enclosed Offer to Exchange dated August 11, 2008 (the “Offer to Exchange”) and the related letter of transmittal (the “Letter of Transmittal”), as amended or supplemented, to exchange 29,243,539 shares of class B common stock, par value $0.01 per share (the “RGA class B common stock”), of Reinsurance Group of America, Incorporated (“RGA”), a Missouri corporation, for outstanding shares of MetLife common stock, par value $0.01 per share (“MetLife common stock”), that are validly tendered and not properly withdrawn.

     We ask you to furnish copies of the enclosed materials to those of your clients on behalf of whom you hold shares of MetLife common stock, whether those shares are registered in your name or in the name of your nominee. You will be reimbursed for customary mailing and handling expenses you incur in forwarding any of the enclosed materials to your clients. No stock transfer taxes will generally be payable as a result of the transaction.

     As described in the Offer to Exchange, MetLife is not conducting the exchange offer in any jurisdiction in which the offer, sale or exchange is not permitted.

     Other than fees paid to the co-dealer managers, D.F. King & Co., Inc. (the “Information Agent”) and BNY Mellon Shareowner Services (the “Exchange Agent”), MetLife will not pay any fees or commissions to any broker or dealer or any other person for soliciting tenders of shares of MetLife common stock under the exchange offer. MetLife will, upon request,

reimburse brokers, dealers, commercial banks, trust companies, custodians and other similar institutions for reasonable and customary costs and expenses they incurred in forwarding materials to their customers.

     Neither the Exchange Agent nor any other person will be under any duty to notify a soliciting dealer of any defects or irregularities in any Notice of Solicited Tenders, the form of which is contained herein, nor will any of them incur any liability for failure to give such notification.

     No broker, dealer, commercial bank, trust company or similar institution shall be deemed to be the agent of MetLife, RGA, the co-dealer managers, the Exchange Agent or the Information Agent for purposes of the exchange offer.

METLIFE’S OBLIGATION TO ACCEPT SHARES OF METLIFE COMMON STOCK TENDERED IN THE EXCHANGE OFFER IS SUBJECT TO CERTAIN CONDITIONS SPECIFIED IN THE OFFER TO EXCHANGE, WHICH YOU AND YOUR CLIENTS SHOULD REVIEW IN DETAIL.

     We enclose the following documents for your information and for forwarding to those of your clients on behalf of whom you hold shares of MetLife common stock registered in your name or in the name of your nominee:

     1. The Offer to Exchange;

     2. The Letter of Transmittal for your use in accepting the exchange offer and tendering shares of MetLife common stock;

     3. The Notice of Guaranteed Delivery to be used to accept the exchange offer if (i) share certificates representing MetLife common stock are not immediately available; (ii) shares or other required documents cannot be delivered to the Exchange Agent on or before the expiration date; or (iii) the procedures for book-entry transfer cannot be completed on a timely basis;

     4. A form of letter that you can send to those of your clients on behalf of whom you hold shares of MetLife common stock registered in your name or in the name of your nominee, with space for obtaining such clients’ instructions with regard to the exchange offer;

     5. A form of Notice of Withdrawal for use in withdrawing shares of MetLife common stock previously tendered in the exchange offer; and

     6. A return envelope addressed to the Exchange Agent, for your use only.

WE URGE YOU TO CONTACT YOUR CLIENTS AS PROMPTLY AS POSSIBLE. PLEASE NOTE THAT THE EXCHANGE OFFER AND WITHDRAWAL RIGHTS WILL EXPIRE AT 12:00 MIDNIGHT, NEW YORK CITY TIME, ON SEPTEMBER 11, 2008 UNLESS THE EXCHANGE OFFER IS EXTENDED OR TERMINATED. SHARES

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TENDERED PURSUANT TO THE EXCHANGE OFFER MAY BE WITHDRAWN AT ANY TIME PRIOR TO THE EXPIRATION OF THE EXCHANGE OFFER.

     To participate in the exchange offer, holders of MetLife common stock must comply with the procedures set out in the Offer to Exchange in the section entitled “The Exchange Offer—Procedures for Tendering” depending on how such shares of MetLife common stock are held. If holders of shares of MetLife common stock wish to tender their shares, but it is impracticable for them to do so prior to the expiration of the exchange offer, a tender may be effected by following the guaranteed delivery procedures described in the Offer to Exchange in the section entitled “The Exchange Offer—Procedures for Tendering—Guaranteed Delivery Procedures.”

     Shares of MetLife common stock tendered pursuant to the exchange offer may be withdrawn, subject to the procedures described in the Offer to Exchange, at any time prior to the expiration of the exchange offer and, unless MetLife has previously accepted them pursuant to the exchange offer, at any time after the expiration of 40 business days from the commencement of the exchange offer. In order to withdraw shares, the registered holder of such shares must provide a written Notice of Withdrawal or facsimile transmission Notice of Withdrawal, the form of which is enclosed, to the Exchange Agent at its address set forth on the back cover of the Offer to Exchange.

     Additional copies of the enclosed material may be obtained by contacting the Information Agent, D.F. King & Co., Inc., located at 48 Wall Street, 22nd Floor, New York, New York 10005 at (212) 269-5550 (banks and brokers call collect) or (800) 825-0898 (toll free). You may also contact the Information Agent for assistance with any questions you may have about the exchange offer.

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NOTICE OF SOLICITED TENDERS

ALL NOTICES OF SOLICITED TENDERS MUST BE RETURNED TO THE EXCHANGE AGENT WITHIN THREE NYSE TRADING DAYS AFTER THE EXPIRATION OF THE EXCHANGE OFFER TO THE ADDRESS SET FORTH ON THE LAST PAGE OF THE OFFER TO EXCHANGE

BENEFICIAL OWNERS QUALIFIED FOR ODD-LOT
DTC
Participant	VOI Ticket	VOI Ticket
Number	Number	Total

BENEFICIAL OWNERS OF 1,000 OR LESS SHARES
DTC
Participant	VOI Ticket	VOI Ticket
Number	Number	Total

BENEFICIAL OWNERS OF GREATER THAN
1,000 AND NOT MORE THAN 5,000 SHARES
DTC
Participant	VOI Ticket	VOI Ticket
Number	Number	Total

BENEFICIAL OWNERS OF GREATER THAN 5,000 SHARES
DTC
Participant	VOI Ticket	VOI Ticket
Number	Number	Total

* Use attached sheet if ticket represents more than one beneficial owner.

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BENEFICIAL OWNER BREAKDOWN FORM

DTC Participant Number:

VOI Ticket Number:
VOI Ticket Total:

Number of Shares Requested for Payment Per Beneficial Owner:

Total:                     

The acceptance of compensation by such soliciting dealer will constitute a representation by it that: (1) it has complied with the applicable requirements of the Securities Exchange Act of 1934, as amended, and the applicable rules and regulations thereunder, in connection with such solicitation; (2) it is entitled to such compensation for such solicitation under the terms and conditions of the Offer to Exchange; (3) in soliciting tenders of shares of MetLife common stock, it has used no soliciting materials other than those furnished by MetLife; and (4) it has complied with all instructions in this letter.

Print Firm Name:  __________________________________	Address:  ______________________________________
Authorized Signature:  ______________________________	City, State, Zip Code:  ___________________________
Area Code and Telephone Number:  ___________________	______________________________________________
	Attention:  _____________________________________

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EX-99.A.1.XIV

Exhibit (a)(1)(xiv)

FORM OF LETTER TO CLIENTS

METLIFE, INC.
Offer to Exchange

29,243,539 Shares of Class B Common Stock of
REINSURANCE GROUP OF AMERICA, INCORPORATED
which are owned by MetLife, Inc. for
Outstanding Shares of Common Stock of
METLIFE, INC.

THE EXCHANGE OFFER AND WITHDRAWAL RIGHTS WILL EXPIRE AT 12:00 MIDNIGHT, NEW YORK CITY TIME, ON SEPTEMBER 11, 2008 UNLESS THE EXCHANGE OFFER IS EXTENDED OR TERMINATED. SHARES TENDERED PURSUANT TO THE EXCHANGE OFFER MAY BE WITHDRAWN AT ANY TIME PRIOR TO THE EXPIRATION OF THE EXCHANGE OFFER.

August 14, 2008

To Our Clients:

     Enclosed for your consideration are the Offer to Exchange dated August 11, 2008 (the “Offer to Exchange”), the related letter of transmittal (the “Letter of Transmittal”) and the instruction booklet thereto, as amended or supplemented, which together constitute the offer by MetLife, Inc. (“MetLife”), a Delaware corporation, to exchange 29,243,539 shares of class B common stock, par value $0.01 per share (the “RGA class B common stock”), of Reinsurance Group of America, Incorporated (“RGA”), a Missouri corporation, for outstanding shares of MetLife common stock, par value $0.01 per share (“MetLife common stock”), that are validly tendered and not properly withdrawn.

     We are the holder of record (directly or indirectly) of shares of MetLife common stock held for your account. As such, only we can tender those shares as the holder of record and only pursuant to your instructions. We are furnishing to you the enclosed Letter of Transmittal for your information only. You cannot use such Letter of Transmittal to tender shares of MetLife common stock we hold for your account.

     Please instruct us as to whether you wish us to tender any or all of the shares of MetLife common stock we hold for your account, on the terms and subject to the conditions set forth in the Offer to Exchange and the related Letter of Transmittal.

     We direct your attention to the following:

     1. MetLife is offering to exchange 29,243,539 shares of RGA class B common stock for shares of MetLife common stock validly tendered and not properly withdrawn prior to the expiration of the exchange offer. If the offer is oversubscribed, tendered shares of MetLife common stock will be accepted on a pro rata basis, in proportion to the number of shares tendered, except as described in the Offer to Exchange.

     2. MetLife’s obligation to accept shares of MetLife common stock tendered in the exchange offer is subject to certain conditions specified in the Offer to Exchange, which you should review in detail.

     3. MetLife will generally pay any stock transfer taxes payable as a result of the transfer to it of shares of MetLife common stock tendered, and the transfer to tendering stockholders of shares of RGA class B common stock pursuant to the exchange offer, as described in the Offer to Exchange and the Instruction Booklet to the Letter of Transmittal.

     If you wish to have us tender any or all of your shares of MetLife common stock, please instruct us to do so by completing, executing and returning to us the instruction form contained in this letter. An envelope to return your instruction form to us is enclosed. If you authorize us to tender your shares of MetLife common stock, we will tender all of your shares of MetLife common stock unless otherwise specified in your instruction form. Please forward your instructions to us at least three business days prior to the expiration date of the exchange offer in order to permit us to tender your shares of MetLife common stock in accordance with the provisions of the exchange offer. Shares of MetLife common stock tendered pursuant to the exchange offer may be withdrawn, subject to the procedures described in the Offer to Exchange, at any time prior to the expiration of the exchange offer and, unless MetLife has previously accepted them pursuant to the exchange offer, at any time after the expiration of 40 business days from the commencement of the exchange offer.

     The exchange offer and the withdrawal rights will expire at 12:00 midnight, New York City time, on September 11, 2008, unless the exchange offer is extended or terminated. Shares tendered pursuant to the exchange offer may be withdrawn at any time prior to the expiration of the exchange offer.

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Instructions with Respect to

METLIFE, INC.
Offer to Exchange
29,243,539 Shares of Class B Common Stock of
REINSURANCE GROUP OF AMERICA, INCORPORATED
which are owned by MetLife, Inc. for
Outstanding Shares of Common Stock of
METLIFE, INC.

     The undersigned acknowledge(s) receipt of your letter and the enclosed Offer to Exchange dated August 11, 2008 (the “Offer to Exchange”) and the related letter of transmittal (the “Letter of Transmittal”) and instruction booklet thereto, as amended or supplemented, which together constitute the offer by MetLife, Inc. (“MetLife”), a Delaware corporation, to exchange 29,243,539 shares of class B common stock, par value $0.01 per share (the “RGA class B common stock”), of Reinsurance Group of America, Incorporated (“RGA”), a Missouri corporation, for shares of MetLife common stock, par value $0.01 per share (the “MetLife common stock”), that are validly tendered and not properly withdrawn.

     The undersigned instructs you to tender the number of shares of MetLife common stock indicated below (or, if no number is indicated below, all shares) you hold (directly or indirectly) for the account of the undersigned, on the terms and subject to the conditions set forth in the Offer to Exchange, and the related Letter of Transmittal and instruction booklet thereto.

Account Number:                     

Number of shares of
MetLife common stock
to be tendered*:                     

	ODD-LOTS
o	By checking this box, I represent that I own beneficially or of record less than 100 shares of MetLife common stock and am tendering all my shares of MetLife common stock.

Dated:                                         

Signature(s)

Please type or print your name(s) here

Please type or print address

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Area code and telephone number

Tax Identification or Social Security Number(s)

* Unless otherwise indicated, it will be assumed that all shares of MetLife common stock we hold for your account are to be tendered.

PLEASE RETURN THIS FORM TO THE BROKERAGE FIRM MAINTAINING YOUR ACCOUNT. DO NOT RETURN THIS FORM TO METLIFE, RGA, THE EXCHANGE AGENT, THE CO-DEALER MANAGERS OR THE INFORMATION AGENT. DELIVERY TO ANY OF SUCH OTHER PERSONS WILL NOT CONSTITUTE A VALID DELIVERY.

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EX-99.A.1.XV

Exhibit (a)(1)(xv)

Contacts:	For Media:	John Calagna
		(212) 578-6252
	For Investors:	Conor Murphy
		(212) 578-7788

METLIFE COMMENCES EXCHANGE OFFER FOR
SPLIT-OFF OF REINSURANCE GROUP OF AMERICA, INCORPORATED

NEW YORK, August 14, 2008 — MetLife, Inc. (NYSE: MET) announced today that it has commenced an offer to its stockholders to exchange all or some of their shares of MetLife common stock for 29,243,539 shares of class B common stock of Reinsurance Group of America, Incorporated (NYSE: RGA). This offer is being made in connection with the companies’ June 2, 2008 announcement of MetLife’s intent to split-off substantially all of its 52% interest in RGA.

In the exchange offer, tendering stockholders will exchange their shares of MetLife common stock for shares of RGA class B common stock at a 10% discount to the per-share value of RGA class B common stock. For each $1.00 of MetLife common stock accepted in the exchange offer, the tendering stockholder will receive approximately $1.11 of RGA class B common stock. This exchange offer is subject to a limit of 1.3071 shares of RGA class B common stock for each share of MetLife common stock.

The exchange offer will expire at 12:00 midnight (ET) at the end of Thursday, September 11, 2008, unless extended or terminated. If, however, the limit on the number of shares of RGA class B common stock that can be received for each share of MetLife common stock tendered is in effect at the expiration of the originally contemplated exchange offer period, then the exchange ratio will be fixed at the limit and the exchange offer will be automatically extended until 12:00 midnight (ET) at the end of Monday, September 15, 2008.

The per-share values of MetLife common stock and RGA common stock that will be used to calculate the final exchange ratio will equal the average of the daily volume-weighted average prices for MetLife common stock and RGA common stock, as applicable, on the New York Stock Exchange on the last three trading days of the originally contemplated exchange offer period. If the exchange offer is automatically extended because the limit (as described above) is in effect, the dates for purposes of calculating the per-share values will not change. If the exchange offer is voluntarily extended, those dates would change. Indicative exchange ratios during the exchange offer period will be available from the information agent, D.F. King & Co., Inc., at www.dfking.com/metlife. The final exchange ratio will be available by 4:30 p.m. (ET) on Thursday, September 11, 2008 from D.F. King & Co., Inc. at www.dfking.com/metlife.

The maximum number of shares of MetLife common stock that will be accepted in the exchange offer will be equal to 29,243,539 divided by the final exchange ratio. Since the exchange offer is subject to proration if the offer is oversubscribed, the number of shares that MetLife accepts in the exchange offer may be less than the number of shares tendered. The completion of the exchange offer is subject to certain material conditions, which are described in the exchange offer prospectus referred to below.

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The RGA class B common stock has been approved for listing on the New York Stock Exchange, subject to official notice of issuance, under the symbol “RGA.B”. The RGA class B common stock will be outstanding following the recapitalization of RGA, which will immediately precede the completion of the exchange offer.

Additional Information and Where to Find It

In connection with the exchange offer, RGA has filed with the U.S. Securities and Exchange Commission (SEC) a registration statement on Form S-4 (No. 333-152828), as amended, that includes an exchange offer prospectus dated August 11, 2008, and MetLife will file with the SEC a tender offer statement on Schedule TO that includes such exchange offer prospectus and related transmittal materials. The exchange offer prospectus and transmittal materials contain important information about the exchange offer and related matters, and is being mailed to MetLife’s stockholders. This document is not an offer to sell the securities referenced in the exchange offer prospectus and it is not soliciting an offer to buy the securities referenced in the exchange offer prospectus in any state where the offer is not permitted. Such an offer may be made solely by a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended. The distribution of this communication may, in some countries, be restricted by law or regulation. Accordingly, persons who came into possession of this document should inform themselves of and observe these restrictions.

Investors and security holders are urged to read the exchange offer prospectus and any other related documents filed with the SEC, when they become available and before making any investment decision. None of MetLife, RGA or any of their respective directors or officers or any dealer manager appointed with respect to the exchange offer makes any recommendation as to whether you should participate in the exchange offer. You will be able to obtain a free copy of the exchange offer prospectus and other related documents filed with the SEC by MetLife and RGA at the SEC’s web site at www.sec.gov. Those documents may also be obtained from D.F. King & Co., Inc., which has been retained by MetLife as the information agent for the exchange offer. To obtain copies of the exchange offer prospectus and related documents, or if you have questions about the terms of the exchange offer or how to participate, you may contact the information agent at (212) 269-5550 (banks and brokers only) (collect) or (800) 825-0898 (toll free).

About MetLife

Celebrating 140 years, MetLife, Inc. is a leading provider of insurance and financial services with operations throughout the United States and the Latin America, Europe and Asia Pacific regions. Through its domestic and international subsidiaries and affiliates, MetLife, Inc. reaches more than 70 million customers around the world and MetLife is the largest life insurer in the United States (based on life insurance in-force). The MetLife companies offer life insurance, annuities, auto and home insurance, retail banking and other financial services to individuals, as well as group insurance, reinsurance and retirement & savings products and services to corporations and other institutions. For more information, please visit www.metlife.com.

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