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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2025

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Commission File Number 1-11848

REINSURANCE GROUP OF AMERICA, INCORPORATED

(Exact name of Registrant as specified in its charter)


Missouri						43-1627032
(State or other jurisdiction						(IRS employer
of incorporation or organization)						identification number)

16600 Swingley Ridge Road

Chesterfield, Missouri 63017

(Address of principal executive offices)

(636) 736-7000

(Registrant’s telephone number, including area code)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes x No o

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Yes x No o

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer x Accelerated filer o Non-accelerated filer o

Smaller reporting company ☐ Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes ☐ No ☒

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, par value $0.01

RGA

New York Stock Exchange

5.75% Fixed-To-Floating Rate Subordinated Debentures due 2056

RZB

New York Stock Exchange

7.125% Fixed Rate Subordinated Debentures due 2052

RZC

New York Stock Exchange

As of July 21, 2025, 66,093,751 shares of the registrant’s common stock were outstanding.

Table of Contents

REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

TABLE OF CONTENTS


Item		Page

	PART I – FINANCIAL INFORMATION

1	Financial Statements (Unaudited) as of June 30, 2025 and December 31, 2024 and for the Three and Six Months Ended June 30, 2025 and 2024
	Condensed Consolidated Balance Sheets	3
	Condensed Consolidated Statements of Income	4
	Condensed Consolidated Statements of Comprehensive Income	5
	Condensed Consolidated Statements of Equity	6
	Condensed Consolidated Statements of Cash Flows	7
	Notes to Condensed Consolidated Financial Statements (Unaudited)
	Note 1 Business and Basis of Presentation	8
	Note 2 Earnings Per Share	8
	Note 3 Equity	8
	Note 4 Future Policy Benefits	10
	Note 5 Policyholder Account Balances	18
	Note 6 Unpaid Claims and Claim Expense – Short-Duration Contracts	20
	Note 7 Market Risk Benefits	21
	Note 8 Deferred Policy Acquisition Costs	22
	Note 9 Reinsurance	23
	Note 10 Investments	24
	Note 11 Derivative Instruments	33
	Note 12 Fair Value of Assets and Liabilities	39
	Note 13 Income Tax	47
	Note 14 Employee Benefit Plans	48
	Note 15 Commitments, Contingencies and Guarantees	48
	Note 16 Segment Information	50
	Note 17 Financing Activities	55
	Note 18 New Accounting Standards	55
2	Management’s Discussion and Analysis of Financial Condition and Results of Operations	56
3	Quantitative and Qualitative Disclosure About Market Risk	82
4	Controls and Procedures	82

	PART II – OTHER INFORMATION

1	Legal Proceedings	83
1A	Risk Factors	83
2	Unregistered Sales of Equity Securities and Use of Proceeds	85
5	Other Information	85
6	Exhibits	85
	Index to Exhibits	86
	Glossary of Selected Terms	87
	Signatures	91

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PART I – FINANCIAL INFORMATION

REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

CONDENSED CONSOLIDATED BALANCE SHEETS

(in millions, except share data)

(Unaudited)


	June 30, 2025		December 31, 2024
Assets
Fixed maturity securities available-for-sale, at fair value (amortized cost of $91,888 and $82,907; allowance for credit losses of $132 and $98)	$	86,043	$	77,617
Equity securities, at fair value	155		155
Mortgage loans (net of allowance for credit losses of $107 and $93)	10,057		8,839
Policy loans	1,294		1,321
Funds withheld at interest	7,115		5,436
Limited partnerships and real estate joint ventures	3,338		3,067
Short-term investments	502		363
Other invested assets	1,397		1,242
Total investments	109,901		98,040
Cash and cash equivalents	5,416		3,326
Accrued investment income	1,089		986
Premiums receivable and other reinsurance balances	4,202		3,898
Reinsurance ceded receivables and other	5,386		5,531
Deferred policy acquisition costs	5,823		5,543

Other assets	1,662		1,351
Total assets	$	133,479	$	118,675
Liabilities and equity
Future policy benefits	$	63,531	$	53,368
Interest-sensitive contract liabilities	37,158		35,095
Market risk benefits, at fair value	233		223
Other policy claims and benefits	3,016		2,693
Other reinsurance balances	1,353		1,316
Deferred income taxes	2,454		2,199
Funds withheld payable	4,816		5,017
Other liabilities	3,041		2,816

Long-term debt	5,734		5,042

Total liabilities	121,336		107,769
Commitments and contingent liabilities (See Note 15)
Equity
Preferred stock – par value $0.01 per share, 10,000,000 shares authorized, no shares issued or outstanding	—		—
Common stock – par value $0.01 per share, 140,000,000 shares authorized, 85,310,598 shares issued at June 30, 2025 and December 31, 2024	1		1
Additional paid-in-capital	2,624		2,600
Retained earnings	9,563		9,255
Treasury stock, at cost – 19,219,071 and 19,438,336 shares	(1,887)		(1,889)
Accumulated other comprehensive income	1,752		849
Total RGA, Inc. shareholders’ equity	12,053		10,816
Noncontrolling interest	90		90
Total equity	12,143		10,906
Total liabilities and shareholders’ equity	$	133,479	$	118,675

See accompanying notes to condensed consolidated financial statements (unaudited).

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REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF INCOME

(in millions, except per share amounts)

(Unaudited)


	Three months ended June 30,				Six months ended June 30,
	2025		2024		2025		2024
Revenues
Net premiums	$	4,151	$	3,920	$	8,170	$	9,296
Net investment income	1,408		1,082		2,640		2,043
Investment related gains (losses), net	(44)		(271)		(123)		(420)
Other revenues	84		147		172		296
Total revenues	5,599		4,878		10,859		11,215
Benefits and expenses
Claims and other policy benefits	4,045		3,712		7,867		8,844
Future policy benefits remeasurement (gains) losses	68		(90)		12		(114)
Market risk benefits remeasurement (gains) losses	(17)		(8)		12		(43)
Interest credited	314		231		613		485
Policy acquisition costs and other insurance expenses	433		391		850		778
Other operating expenses	325		301		625		584
Interest expense	90		72		170		140
Total benefits and expenses	5,258		4,609		10,149		10,674
Income before income taxes	341		269		710		541
Provision for income taxes	160		65		241		125
Net income	181		204		469		416
Net income attributable to noncontrolling interest	1		1		3		3
Net income available to RGA, Inc. shareholders	$	180	$	203	$	466	$	413

Earnings per share
Basic earnings per share	$	2.72	$	3.07	$	7.05	$	6.28
Diluted earnings per share	$	2.70	$	3.03	$	6.97	$	6.19

See accompanying notes to condensed consolidated financial statements (unaudited).

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REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(in millions)

(Unaudited)


	Three months ended June 30,				Six months ended June 30,
	2025		2024		2025		2024
Comprehensive income (loss)
Net income	$	181	$	204	$	469	$	416
Other comprehensive income (loss), net of tax:
Foreign currency translation adjustments	138		29		149		18
Net unrealized investment gains (losses)	(454)		(632)		(371)		(1,027)
Effect of updating discount rates on future policy benefits	831		705		1,121		1,355
Change in instrument-specific credit risk for market risk benefits	(3)		3		1		3
Defined benefit pension and postretirement plan adjustments	2		—		3		—
Total other comprehensive income (loss), net of tax	514		105		903		349
Total comprehensive income	695		309		1,372		765
Comprehensive income attributable to noncontrolling interest	1		1		3		3
Total comprehensive income attributable to RGA, Inc.	$	694	$	308	$	1,369	$	762

See accompanying notes to condensed consolidated financial statements (unaudited).

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REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF EQUITY

(in millions except per share amounts)

(Unaudited)


	Three months ended June 30, 2025 and 2024
	Common Stock		Additional Paid In Capital		Retained Earnings		Treasury Stock		Accumulated Other Comprehensive Income (Loss)		Total RGA, Inc. Shareholders’ Equity		Noncontrolling Interest		Total Equity
Balance, March 31, 2025	$	1	$	2,608	$	9,443	$	(1,888)	$	1,238	$	11,402	$	90	$	11,492

Change in equity of noncontrolling interest													(1)		(1)
Net income					180						180		1		181
Total other comprehensive income (loss)									514		514				514
Dividends to shareholders, $0.89 per share					(59)						(59)				(59)

Purchase of treasury stock							—				—				—
Reissuance of treasury stock			16		(1)		1				16				16
Balance, June 30, 2025	$	1	$	2,624	$	9,563	$	(1,887)	$	1,752	$	12,053	$	90	$	12,143


Balance, March 31, 2024	$	1	$	2,549	$	8,934	$	(1,891)	$	(125)	$	9,468	$	90	$	9,558

Change in equity of noncontrolling interest													(1)		(1)
Net income					203						203		1		204
Total other comprehensive income (loss)									105		105				105
Dividends to shareholders, $0.85 per share					(56)						(56)				(56)

Purchase of treasury stock							(3)				(3)				(3)
Reissuance of treasury stock			18		(5)		5				18				18
Balance, June 30, 2024	$	1	$	2,567	$	9,076	$	(1,889)	$	(20)	$	9,735	$	90	$	9,825


	Six months ended June 30, 2025 and 2024
	Common Stock		Additional Paid In Capital		Retained Earnings		Treasury Stock		Accumulated Other Comprehensive Income (Loss)		Total RGA, Inc. Shareholders’ Equity		Noncontrolling Interest		Total Equity
Balance, December 31, 2024	$	1	$	2,600	$	9,255	$	(1,889)	$	849	$	10,816	$	90	$	10,906
Change in equity of noncontrolling interest													(3)		(3)
Net income					466						466		3		469
Total other comprehensive income (loss)									903		903				903
Dividends to shareholders, $1.78 per share					(118)						(118)				(118)
Purchase of treasury stock							(38)				(38)				(38)
Reissuance of treasury stock			24		(40)		40				24				24
Balance, June 30, 2025	$	1	$	2,624	$	9,563	$	(1,887)	$	1,752	$	12,053	$	90	$	12,143


Balance, December 31, 2023	$	1	$	2,544	$	8,805	$	(1,900)	$	(369)	$	9,081	$	90	$	9,171
Change in equity of noncontrolling interest													(3)		(3)
Net income					413						413		3		416
Total other comprehensive income (loss)									349		349				349
Dividends to shareholders, $1.70 per share					(112)						(112)				(112)
Purchase of treasury stock							(19)				(19)				(19)
Reissuance of treasury stock			23		(30)		30				23				23
Balance, June 30, 2024	$	1	$	2,567	$	9,076	$	(1,889)	$	(20)	$	9,735	$	90	$	9,825

See accompanying notes to condensed consolidated financial statements (unaudited).

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REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

(in millions)

(Unaudited)


	Six months ended June 30,
	2025		2024

Net cash provided by operating activities	$	2,249	$	6,703
Cash flows from investing activities
Sales of fixed maturity securities available-for-sale	11,104		14,601
Purchases of fixed maturity securities available-for-sale	(13,320)		(22,247)
Maturities of fixed maturity securities available-for-sale	621		843
Sales of equity securities	4		4
Purchases of equity securities	—		(11)
Principal payments on mortgage loans	349		290
Cash invested in mortgage loans	(1,511)		(630)
Deposits in funds withheld at interest	215		175
Sales of limited partnerships and real estate joint ventures	271		118
Purchases of limited partnerships and real estate joint ventures	(475)		(254)
Sales of short-term investments	511		253
Purchases of short-term investments	(969)		(458)
Maturities of short-term investments	346		115
Change in other invested assets	(27)		9
Other, net	9		16
Net cash used in investing activities	(2,872)		(7,176)
Cash flows from financing activities
Dividends to shareholders	(118)		(112)
Proceeds from long-term debt issuance, net	691		640
Principal payments of long-term debt	(2)		(2)
Purchase of treasury stock	(38)		(19)
Change in cash collateral for derivatives and other arrangements	130		33
Change in deposit asset on reinsurance	105		151
Deposits on investment-type policies and contracts	3,929		4,120
Withdrawals on investment-type policies and contracts	(2,090)		(2,586)
Net cash provided by financing activities	2,607		2,225
Effect of exchange rate changes on cash	106		(126)
Change in cash and cash equivalents	2,090		1,626
Cash and cash equivalents, beginning of period	3,326		2,970
Cash and cash equivalents, end of period	$	5,416	$	4,596
Supplemental disclosures of cash flow information
Interest paid	$	115	$	103
Income taxes paid, net of refunds	$	107	$	41
Non-cash investing activities
Transfer of invested assets	$	4,707	$	6,165
Right-of-use assets acquired through operating leases	$	8	$	—

See accompanying notes to condensed consolidated financial statements (unaudited).

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REINSURANCE GROUP OF AMERICA, INCORPORATED AND SUBSIDIARIES

Notes to Condensed Consolidated Financial Statements

(Unaudited)

NOTE 1 BUSINESS AND BASIS OF PRESENTATION

Business

Reinsurance Group of America, Incorporated (“RGA” and, collectively with its subsidiaries, the “Company”) is an insurance holding company that was formed on December 31, 1992. The Company is engaged in providing traditional reinsurance, which includes individual and group life and health, disability and critical illness reinsurance. The Company also provides financial solutions, which include longevity reinsurance, asset-intensive products (primarily annuities), financial reinsurance, capital solutions, pension risk transfer (“PRT”) and stable value products.

Basis of Presentation

The unaudited condensed consolidated financial statements of the Company have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X of the Securities and Exchange Commission (“SEC”). Accordingly, these condensed consolidated financial statements do not include all of the information and footnotes required by GAAP for complete financial statements and should be read in conjunction with the Company’s 2024 Annual Report on Form 10-K filed with the SEC on February 24, 2025 (the “2024 Annual Report”).

In the opinion of management, all adjustments, including normal recurring adjustments necessary for a fair presentation, have been included. Interim results are not necessarily indicative of the results that may be expected for the year ending December 31, 2025.

Consolidation

These unaudited condensed consolidated financial statements include the accounts of RGA and its subsidiaries and all intercompany accounts and transactions have been eliminated. Entities for which the Company has significant influence over the operating and financing decisions but are not required to be consolidated are reported under the equity method of accounting.

NOTE 2 EARNINGS PER SHARE

The following table sets forth the computation of basic and diluted earnings per share on net income (in millions, except per share information):


	Three months ended June 30,				Six months ended June 30,
	2025		2024		2025		2024
Earnings:
Net income (numerator for basic and diluted calculations)	$	181	$	204	$	469	$	416
Less: Net income attributable to noncontrolling interest	1		1		3		3
Net income available to RGA, Inc. shareholders	$	180	$	203	$	466	$	413
Shares:
Weighted average outstanding shares (denominator for basic calculation)	66		66		66		66
Equivalent shares from outstanding stock awards	1		1		1		1
Diluted shares (denominator for diluted calculation)	67		67		67		67
Earnings per share:
Basic	$	2.72	$	3.07	$	7.05	$	6.28
Diluted	$	2.70	$	3.03	$	6.97	$	6.19

The calculation of common equivalent shares does not include the impact of stock awards with a conversion price that exceeds the average stock price for the earnings period as the result would be antidilutive. The calculation of common equivalent shares also excludes the impact of outstanding performance share awards as the conditions necessary for their issuance have not been satisfied as of the end of the reporting period.

NOTE 3 EQUITY

Common stock

The changes in number of common stock shares issued, held in treasury and outstanding are as follows for the periods indicated:

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	Issued	Held In Treasury	Outstanding
Balance, December 31, 2024	85,310,598	19,438,336	65,872,262

Common stock acquired	—	—	—
Equity based compensation (1)	—	(219,265)	219,265
Balance, June 30, 2025	85,310,598	19,219,071	66,091,527


	Issued	Held In Treasury	Outstanding
Balance, December 31, 2023	85,310,598	19,689,885	65,620,713
Common stock acquired	—	—	—
Equity based compensation (1)	—	(203,683)	203,683
Balance, June 30, 2024	85,310,598	19,486,202	65,824,396

(1)Represents net shares issued from treasury pursuant to the Company’s equity based compensation programs.

Common Stock Held in Treasury

Common stock held in treasury is accounted for at average cost. Gains resulting from the reissuance of common stock held in treasury are credited to additional paid-in capital. Losses resulting from the reissuance of common stock held in treasury are charged first to additional paid-in capital to the extent the Company has previously recorded gains on treasury share transactions, then to retained earnings.

On January 23, 2024, the Company’s board of directors authorized a share repurchase program for up to $500 million of its outstanding common stock. The authorization was effective immediately and does not have an expiration date. During the six months ended June 30, 2025, the Company did not repurchase any shares of common stock under this program, and the entire amount remains available.

Noncontrolling Interest

In 2022, Papara Financing LLC (“Papara”), a subsidiary of RGA Reinsurance Company, issued nonconvertible preferred interests to an unaffiliated third party. The membership interests in Papara consist of common interests, which are held by RGA Reinsurance Company, and preferred interests. The preferred interests, included in noncontrolling interest, total $90 million.

Accumulated Other Comprehensive Income (Loss)

The balance of and changes in each component of accumulated other comprehensive income (loss) (“AOCI”) for the six months ended June 30, 2025 and 2024 are as follows (dollars in millions):


	Accumulated Other Comprehensive Income (Loss), Net of Income Tax
	Foreign Currency Translation Adjustments		Net Unrealized Investment Gains (Losses) (1)		Pension and Postretirement Benefits		Effect of Updating Discount Rates on Future Policy Benefits		Instrument-Specific Credit Risk for Market Risk Benefits		Total
Balance, December 31, 2024	$	(19)	$	(4,526)	$	(20)	$	5,412	$	2	$	849
Other comprehensive income (loss) before reclassifications	131		(654)		4		1,445		1		927
Amounts reclassified from AOCI	—		167		(1)		—		—		166
Deferred income tax benefit (expense)	18		116		—		(324)		—		(190)
Balance, June 30, 2025	$	130	$	(4,897)	$	(17)	$	6,533	$	3	$	1,752


	Accumulated Other Comprehensive Income (Loss), Net of Income Tax
	Foreign Currency Translation Adjustments		Net Unrealized Investment Gains (Losses) (1)		Pension and Postretirement Benefits		Effect of Updating Discount Rates on Future Policy Benefits		Instrument-Specific Credit Risk for Market Risk Benefits		Total
Balance, December 31, 2023	$	69	$	(3,668)	$	(29)	$	3,256	$	3	$	(369)
Other comprehensive income (loss) before reclassifications	39		(1,625)		—		1,737		4		155
Amounts reclassified from AOCI	—		304		—		—		—		304
Deferred income tax benefit (expense)	(21)		294		—		(382)		(1)		(110)
Balance, June 30, 2024	$	87	$	(4,695)	$	(29)	$	4,611	$	6	$	(20)

(1)Includes cash flow hedges of $(473) and $(495) as of June 30, 2025 and December 31, 2024, respectively, and $(413) and $(218) as of June 30, 2024 and December 31, 2023, respectively. See Note 11 – “Derivative Instruments” for additional information on cash flow hedges.

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The following table presents the amounts of AOCI reclassifications for the three and six months ended June 30, 2025 and 2024 (dollars in millions):


	Amount Reclassified from AOCI
	Three months ended June 30,				Six months ended June 30,				Affected Line Item in Statements of Income
Details about AOCI Components	2025		2024		2025		2024
Net unrealized investment gains (losses):
Net unrealized gains (losses) on available-for-sale securities	$	(75)	$	(170)	$	(135)	$	(288)	Investment related gains (losses), net
Cash flow hedges – Interest rate	1		3		2		6		(1)
Cash flow hedges – Foreign currency	(17)		(14)		(34)		(22)		(1)

Total	(91)		(181)		(167)		(304)
Provision for income taxes	21		37		34		61
Net unrealized gains (losses), net of tax	$	(70)	$	(144)	$	(133)	$	(243)
Amortization of defined benefit plan items:
Prior service cost (credit)	$	1	$	1	$	1	$	1	(2)
Actuarial gains (losses)	—		—		—		(1)		(2)
Total	1		1		1		—
Provision for income taxes	—		—		—		—
Amortization of defined benefit plans, net of tax	$	1	$	1	$	1	$	—

Total reclassifications for the period	$	(69)	$	(143)	$	(132)	$	(243)

(1)See Note 11 – “Derivative Instruments” for additional information on cash flow hedges.

(2)This AOCI component is included in the computation of the net periodic pension cost. See Note 14 – “Employee Benefit Plans” for additional details.

Equity Based Compensation

Equity compensation expense was $25 million and $26 million for the six months ended June 30, 2025 and 2024, respectively. In the first quarter of 2025, the Company granted 120,011 stock appreciation rights at $193.00 weighted average exercise price per share, 131,836 performance shares and 86,474 restricted stock units to employees. As of June 30, 2025, 1,292,554 share awards at a weighted average strike price per share of $124.28 were vested and exercisable with a remaining weighted average exercise period of 4.2 years. As of June 30, 2025, the total compensation cost of non-vested awards not yet recognized in the financial statements was $66 million. It is estimated that these costs will vest over a weighted average period of 0.8 years.

NOTE 4 FUTURE POLICY BENEFITS

It is the Company’s policy to complete its annual assumption review during the third quarter of each year. However, the Company reviews actual and anticipated experience compared to the assumptions used to compute the liability for future policy benefits on a quarterly basis and will update those assumptions during the quarter that indicates an assumption update is necessary.

Traditional Business

The following tables provide the balances of and changes in the Company’s liability for future policy benefits for long-duration reinsurance contracts for its Traditional business, which primarily consists of individual life, group life and critical illness reinsurance, for the six months ended June 30, 2025 and 2024 (dollars in millions):

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For the six months ended June 30, 2025:	U.S. and Latin America – Traditional			Canada – Traditional			Europe, Middle East and Africa – Traditional			Asia Pacific – Traditional
Present Value of Expected Net Premiums
Beginning of year balance at original discount rate	$	77,881		$	20,928		$	15,911		$	44,801
Effect of changes in cash flow assumptions	—			—			—			—
Effect of actual variances from expected experience	(487)			67			375			(174)
Adjusted balance, beginning of year	77,394			20,995			16,286			44,627
Issuances (1)	4,467			236			692			2,585
Interest accrual (2)	1,778			364			290			625
Net premiums collected (3)	(4,464)			(482)			(927)			(1,212)
Derecognition (4)	—			—			—			—
Foreign currency translation	2			1,201			1,544			2,478
Ending balance at original discount rate	79,177			22,314			17,885			49,103
Effect of changes in discount rate assumptions	(8,281)			(4,617)			(2,979)			(13,052)
Balance, end of period	$	70,896		$	17,697		$	14,906		$	36,051

Present Value of Expected Future Policy Benefits
Beginning of year balance at original discount rate	$	90,711		$	24,309		$	17,365		$	49,712
Effect of changes in cash flow assumptions	—			—			—			—
Effect of actual variances from expected experience	(419)			72			371			(198)
Adjusted balance, beginning of year	90,292			24,381			17,736			49,514
Issuances (1)	4,467			236			692			2,585
Interest accrual (2)	2,131			470			312			714
Benefit payments (5)	(2,942)			(564)			(845)			(1,053)
Derecognition (4)	—			—			—			—
Foreign currency translation	5			1,397			1,698			2,588
Ending balance at original discount rate	93,953			25,920			19,593			54,348
Effect of changes in discount rate assumptions	(10,645)			(3,996)			(3,396)			(15,482)
Balance, end of period	$	83,308		$	21,924		$	16,197		$	38,866

Liability for future policy benefits	$	12,412		$	4,227		$	1,291		$	2,815
Less: reinsurance recoverable	(788)			(261)			(17)			(78)
Net liability for future policy benefits	$	11,624		$	3,966		$	1,274		$	2,737

Weighted average duration of the liability (in years)	11			14			8			15
Weighted average interest accretion rate	4.7		%	3.6		%	3.4		%	2.7		%
Weighted average current discount rate	5.6		%	4.9		%	5.6		%	4.6		%

(1)Issuances: The present value, using the original discount rate, of the expected net premiums or the expected future policy benefits related to new reinsurance contracts that became effective during the current period and new policies assumed on existing contracts.

(2)Interest accrual: The interest earned on the beginning present value of either the expected net premiums or the expected future policy benefits using the original interest rate.

(3)Net premiums collected: The portion of gross premiums collected from the ceding company that is used to fund expected benefit payments.

(4)Derecognition: Includes the effects of treaty recaptures and treaty amendments that resulted in the termination of an existing treaty and the issuance of a new treaty under the internal replacement model.

(5)Benefit payments: The release of the present value, using the original discount rate, of the expected future policy benefits due to death, lapse/withdrawal, and other benefit payments based on current assumptions.

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For the six months ended June 30, 2024:	U.S. and Latin America – Traditional			Canada – Traditional			Europe, Middle East and Africa – Traditional			Asia Pacific – Traditional
Present Value of Expected Net Premiums
Beginning of year balance at original discount rate	$	76,943		$	22,689		$	15,328		$	42,741
Effect of changes in cash flow assumptions	—			—			—			—
Effect of actual variances from expected experience	(398)			112			254			173
Adjusted balance, beginning of year	76,545			22,801			15,582			42,914
Issuances (1)	1,599			267			521			1,959
Interest accrual (2)	1,730			376			256			548
Net premiums collected (3)	(2,621)			(494)			(732)			(1,086)
Derecognition (4)	(1,000)			—			—			—
Foreign currency translation	(4)			(728)			(114)			(1,598)
Ending balance at original discount rate	76,249			22,222			15,513			42,737
Effect of changes in discount rate assumptions	(7,979)			(4,753)			(2,923)			(12,596)
Balance, end of period	$	68,270		$	17,469		$	12,590		$	30,141

Present Value of Expected Future Policy Benefits
Beginning of year balance at original discount rate	$	89,036		$	26,275		$	16,756		$	47,370
Effect of changes in cash flow assumptions	—			—			—			—
Effect of actual variances from expected experience	(501)			106			259			144
Adjusted balance, beginning of year	88,535			26,381			17,015			47,514
Issuances (1)	1,599			268			523			1,959
Interest accrual (2)	2,015			483			277			628
Benefit payments (5)	(2,973)			(523)			(757)			(979)
Derecognition (4)	(1,008)			—			—			—
Foreign currency translation	(4)			(853)			(136)			(1,683)
Ending balance at original discount rate	88,164			25,756			16,922			47,439
Effect of changes in discount rate assumptions	(9,988)			(4,125)			(3,208)			(14,728)
Balance, end of period	$	78,176		$	21,631		$	13,714		$	32,711

Liability for future policy benefits	$	9,906		$	4,162		$	1,124		$	2,570
Less: reinsurance recoverable	(741)			(280)			(33)			(108)
Net liability for future policy benefits	$	9,165		$	3,882		$	1,091		$	2,462

Weighted average duration of the liability (in years)	12			15			8			15
Weighted average interest accretion rate	4.6		%	3.6		%	3.3		%	2.6		%
Weighted average current discount rate	5.6		%	5.0		%	5.7		%	4.8		%

(2)Interest accrual: The interest earned on the beginning present value of either the expected net premiums or the expected future policy benefits using the original interest rate.

(3)Net premiums collected: The portion of gross premiums collected from the ceding company that is used to fund expected benefit payments.

The Company’s Traditional business actual-to-expected variances and the effects of changes in cash flow and discount rate assumptions for the six months ended June 30, 2025 and 2024 are summarized in the tables below:

Table of Contents

For the six months ended June 30, 2025:

Segment

Liability for future policy benefits at original discount rate

Changes in cash flow assumptions

Actual-to-expected variance

Impact of updating discount rate recognized in OCI

U.S. and Latin America – Traditional

$14.8 billion

None

$68 million

$(72) million

Canada – Traditional

$3.6 billion

None

$5 million

$(98) million

Europe, Middle East and Africa – Traditional

$1.7 billion

None

$(4) million

$(83) million

Asia Pacific – Traditional

$5.2 billion

None

$(24) million

$(122) million

For the six months ended June 30, 2024:

Segment

Liability for future policy benefits at original discount rate

Changes in cash flow assumptions

Actual-to-expected variance

Impact of updating discount rate recognized in OCI

U.S. and Latin America – Traditional

$11.9 billion

None

$(103) million

$(863) million

Canada – Traditional

$3.5 billion

None

$(6) million

$(243) million

Europe, Middle East and Africa – Traditional

$1.4 billion

None

$5 million

$(66) million

Asia Pacific – Traditional

$4.7 billion

None

$(29) million

$(167) million

Financial Solutions Business

The following tables provide the balances of and changes in the Company’s liability for future policy benefits, including the deferred profit liability related to the longevity business, for its Financial Solutions business, which primarily consists of longevity reinsurance, asset-intensive products (primarily annuities), financial reinsurance and pension risk transfer transactions, for the six months ended June 30, 2025 and 2024 (dollars in millions):

Table of Contents


For the six months ended June 30, 2025:	U.S. and Latin America – Financial Solutions			Canada – Financial Solutions			Europe, Middle East and Africa – Financial Solutions			Asia Pacific – Financial Solutions
Present Value of Expected Net Premiums
Beginning of year balance at original discount rate	$	1,346		$	3,614		$	71,360		$	2,758
Effect of changes in cash flow assumptions	—			—			—			—
Effect of actual variances from expected experience	(25)			7			(60)			(17)
Adjusted balance, beginning of year	1,321			3,621			71,300			2,741
Issuances (1)	2,118			—			7,619			2,452
Interest accrual (2)	20			66			1,325			23
Net premiums collected (3)	(2,185)			(185)			(4,388)			(2,978)
Derecognition (4)	—			—			(257)			—
Foreign currency translation	—			202			7,556			247
Ending balance at original discount rate	1,274			3,704			83,155			2,485
Effect of changes in discount rate assumptions	(220)			(209)			(9,264)			(511)
Balance, end of period	$	1,054		$	3,495		$	73,891		$	1,974

Present Value of Expected Future Policy Benefits
Beginning of year balance at original discount rate	$	9,489		$	7,934		$	78,290		$	14,626
Effect of changes in cash flow assumptions	—			—			—			—
Effect of actual variances from expected experience	(28)			7			(66)			(22)
Adjusted balance, beginning of year	9,461			7,941			78,224			14,604
Issuances (1)	2,133			—			7,619			2,462
Interest accrual (2)	265			174			1,463			160
Benefit payments (5)	(526)			(235)			(3,077)			(324)
Derecognition (4)	—			—			(257)			—
Foreign currency translation	—			452			8,267			1,337
Ending balance at original discount rate	11,333			8,332			92,239			18,239
Effect of changes in discount rate assumptions	(517)			(139)			(10,210)			(3,092)
Balance, end of period	$	10,816		$	8,193		$	82,029		$	15,147

Cumulative amount of fair value hedging adjustments	$	7		$	—		$	—		$	—

Liability for future policy benefits	$	9,769		$	4,698		$	8,138		$	13,173
Less: reinsurance recoverable	(1,354)			—			—			—
Net liability for future policy benefits	$	8,415		$	4,698		$	8,138		$	13,173

Weighted average duration of the liability (in years)	9			12			10			14
Weighted average interest accretion rate	4.1		%	4.0		%	3.5		%	1.9		%
Weighted average current discount rate	5.4		%	4.8		%	5.2		%	3.7		%

(2)Interest accrual: The interest earned on the beginning present value of either the expected net premiums or the expected future policy benefits using the original interest rate.

(3)Net premiums collected: The portion of gross premiums collected from the ceding company that is used to fund expected benefit payments.

Table of Contents


For the six months ended June 30, 2024:	U.S. and Latin America – Financial Solutions			Canada – Financial Solutions			Europe, Middle East and Africa – Financial Solutions			Asia Pacific – Financial Solutions
Present Value of Expected Net Premiums
Beginning of year balance at original discount rate	$	1,455		$	3,184		$	54,832		$	2,057
Effect of changes in cash flow assumptions	—			—			—			—
Effect of actual variances from expected experience	(3)			(6)			897			(38)
Adjusted balance, beginning of year	1,452			3,178			55,729			2,019
Issuances (1)	2,175			4,975			8,901			5,497
Interest accrual (2)	22			61			864			12
Net premiums collected (3)	(2,246)			(4,182)			(2,839)			(5,755)
Derecognition (4)	—			—			—			—
Foreign currency translation	—			(100)			(736)			(249)
Ending balance at original discount rate	1,403			3,932			61,919			1,524
Effect of changes in discount rate assumptions	(262)			(311)			(9,325)			(150)
Balance, end of period	$	1,141		$	3,621		$	52,594		$	1,374

Present Value of Expected Future Policy Benefits
Beginning of year balance at original discount rate	$	6,843		$	3,210		$	60,938		$	8,019
Effect of changes in cash flow assumptions	—			—			—			—
Effect of actual variances from expected experience	(6)			(6)			901			(39)
Adjusted balance, beginning of year	6,837			3,204			61,839			7,980
Issuances (1)	2,305			4,983			8,901			5,646
Interest accrual (2)	176			103			972			71
Benefit payments (5)	(322)			(195)			(2,350)			(193)
Derecognition (4)	—			—			—			—
Foreign currency translation	—			(92)			(787)			(1,304)
Ending balance at original discount rate	8,996			8,003			68,575			12,200
Effect of changes in discount rate assumptions	(616)			(231)			(10,267)			(1,029)
Balance, end of period	$	8,380		$	7,772		$	58,308		$	11,171

Cumulative amount of fair value hedging adjustments	$	(2)		$	—		$	—		$	—

Liability for future policy benefits	$	7,237		$	4,151		$	5,714		$	9,797
Less: reinsurance recoverable	(849)			—			—			—
Net liability for future policy benefits	$	6,388		$	4,151		$	5,714		$	9,797

Weighted average duration of the liability (in years)	8			13			10			15
Weighted average interest accretion rate	3.8		%	3.6		%	3.0		%	1.4		%
Weighted average current discount rate	5.5		%	4.9		%	5.2		%	2.4		%

(2)Interest accrual: The interest earned on the beginning present value of either the expected net premiums or the expected future policy benefits using the original interest rate.

(3)Net premiums collected: The portion of gross premiums collected from the ceding company that is used to fund expected benefit payments.

Table of Contents

The Company’s Financial Solutions business actual-to-expected variances (including the effects of model updates) and the effects of changes in cash flow and discount rate assumptions for the six months ended June 30, 2025 and 2024 are summarized in the tables below:

For the six months ended June 30, 2025:

Segment

Liability for future policy benefits at original discount rate

Changes in cash flow assumptions

Actual-to-expected variance

Impact of updating discount rate recognized in OCI

U.S. and Latin America – Financial Solutions

$10.1 billion

None

$(3) million

$100 million

Canada – Financial Solutions

$4.6 billion

None

$—

$(122) million

Europe, Middle East and Africa – Financial Solutions

$9.1 billion

None

$(6) million

$(51) million

Asia Pacific – Financial Solutions

$15.8 billion

None

$(5) million

$(995) million

For the six months ended June 30, 2024:

Segment

Liability for future policy benefits at original discount rate

Changes in cash flow assumptions

Actual-to-expected variance

Impact of updating discount rate recognized in OCI

U.S. and Latin America – Financial Solutions

$7.6 billion

None

$(3) million

$(194) million

Canada – Financial Solutions

$4.1 billion

None

$—

$77 million

Europe, Middle East and Africa – Financial Solutions

$6.7 billion

None

$4 million

$(289) million

Asia Pacific – Financial Solutions

$10.7 billion

None

$(1) million

$(107) million

Reconciliation and Other Disclosures

The reconciliation of the rollforward of the liability for future policy benefits to the condensed consolidated balance sheets as of June 30, 2025 and 2024 is as follows (dollars in millions):


	June 30,
	2025		2024
Liability for future policy benefits included in the rollforwards:
Traditional:
U.S. and Latin America	$	12,412	$	9,906
Canada	4,227		4,162
Europe, Middle East and Africa	1,291		1,124
Asia Pacific	2,815		2,570
Financial Solutions:
U.S. and Latin America	9,769		7,237
Canada	4,698		4,151
Europe, Middle East and Africa	8,138		5,714
Asia Pacific	13,173		9,797
Other long-duration contracts	145		125
Claims liability and incurred but not reported claims	5,913		5,523
Additional liability	125		4
Unearned revenue liability	825		466
Total liability for future policy benefits	$	63,531	$	50,779

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The amount of undiscounted and discounted expected future gross premiums and expected future benefit payments for the liability for future policy benefits included in the rollforwards as of June 30, 2025 and 2024 is as follows (dollars in millions):


	June 30,
	2025				2024
	Undiscounted		Discounted		Undiscounted		Discounted
Expected future gross premiums
Traditional:
U.S. and Latin America	$	184,475	$	84,387	$	177,026	$	80,236
Canada	55,343		21,992		54,822		21,578
Europe, Middle East and Africa	30,549		16,626		26,345		14,357
Asia Pacific	113,413		45,709		96,035		38,402
Financial Solutions:
U.S. and Latin America	2,601		1,645		2,865		1,774
Canada	5,918		3,864		6,341		4,002
Europe, Middle East and Africa	148,624		75,159		111,756		57,128
Asia Pacific	5,507		3,778		3,578		2,660

Expected future benefit payments
Traditional:
U.S. and Latin America	$	196,697	$	83,308	$	185,828	$	78,176
Canada	56,871		21,924		56,587		21,631
Europe, Middle East and Africa	30,625		16,197		26,138		13,714
Asia Pacific	109,518		38,866		92,090		32,711
Financial Solutions:
U.S. and Latin America	22,386		10,816		14,431		8,380
Canada	18,137		8,193		17,846		7,772
Europe, Middle East and Africa	160,718		82,029		114,188		58,308
Asia Pacific	30,889		15,147		17,653		11,171

The amount of gross premiums and interest expense recognized in the condensed consolidated statements of income for the liability for future policy benefits included in the rollforwards for the six months ended June 30, 2025 and 2024 is as follows (dollars in millions):


	Gross Premiums				Interest Expense
	June 30,				June 30,
	2025		2024		2025		2024
Traditional:
U.S. and Latin America	$	3,245	$	3,061	$	353	$	285
Canada	552		553		106		107
Europe, Middle East and Africa	892		732		22		21
Asia Pacific	1,516		1,381		89		80
Financial Solutions:
U.S. and Latin America	96		2,212		245		154
Canada	97		71		108		42
Europe, Middle East and Africa	569		429		138		108
Asia Pacific	229		96		137		59
Total	$	7,196	$	8,535	$	1,198	$	856

During the six months ended June 30, 2025 and 2024, no material charges were incurred resulting from net premiums exceeding gross premiums.

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NOTE 5 POLICYHOLDER ACCOUNT BALANCES

Policyholder Account Balances

The following tables provide the balances of and changes in the Company’s liability for its policyholder account balances, reflected in interest-sensitive contract liabilities, for the six months ended June 30, 2025 and 2024 (dollars in millions):


For the six months ended June 30, 2025:	U.S. and Latin America – Traditional			U.S. and Latin America – Financial Solutions			Asia Pacific – Financial Solutions
Balance, beginning of year	$	3,273		$	16,432		$	4,285
Deposits	226			1,303			756
Policy charges	(170)			(40)			(7)
Surrenders and withdrawals	(52)			(831)			(107)
Benefit payments	(72)			(249)			(129)
Interest credited	80			293			92
Foreign currency translation	—			—			36
Balance, end of period	$	3,285		$	16,908		$	4,926
Less: reinsurance recoverable	—			(2,692)			—
Balance, end of period, after reinsurance	$	3,285		$	14,216		$	4,926

Weighted average crediting rate	3.1		%	3.7		%	4.0		%
Net amount at risk (1)	$	25,691		$	6,330		$	—
Cash surrender value	$	3,268		$	16,670		$	4,512


For the six months ended June 30, 2024:	U.S. and Latin America – Traditional			U.S. and Latin America – Financial Solutions			Asia Pacific – Financial Solutions
Balance, beginning of year	$	1,612		$	17,838		$	3,990
Deposits	5			59			585
Policy charges	(15)			(40)			(74)
Surrenders and withdrawals	(4)			(1,137)			(510)
Benefit payments	(51)			(252)			(292)
Interest credited	34			289			52
Foreign currency translation	—			—			(17)
Balance, end of period	$	1,581		$	16,757		$	3,734
Less: reinsurance recoverable	—			(2,913)			—
Balance, end of period, after reinsurance	$	1,581		$	13,844		$	3,734

Weighted average crediting rate	4.4		%	3.4		%	3.2		%
Net amount at risk (1)	$	621		$	6,849		$	7
Cash surrender value	$	1,575		$	16,644		$	3,269

(1) Net amount at risk is defined as the guaranteed amount less the account value as of the balance sheet date. The balance represents the amount of the claim the Company would incur if death claims were filed on all contracts on the balance sheet date.

Information regarding the Company’s policyholder account balances as of June 30, 2025 and 2024 is as follows (dollars in millions):


	June 30,
	2025		2024
Policyholder account balances included in the rollforwards:
Traditional:
U.S. and Latin America	$	3,285	$	1,581
Financial Solutions:
U.S. and Latin America	16,908		16,757
Asia Pacific	4,926		3,734
Other policyholder account balances:
U.S. and Latin America – Financial Solutions	48		46
Total policyholder account balances	$	25,167	$	22,118

Table of Contents

The balance of account values by range of guaranteed minimum crediting rates and the related range of difference, in basis points, between rates being credited to policyholders and the respective guaranteed minimums as of June 30, 2025 and 2024 is as follows (dollars in millions):


	June 30, 2025
	Range of Guaranteed Minimum Crediting Rate	At Guaranteed Minimum		1 Basis Point – 50 Basis Points Above		51 Basis Points – 100 Basis Points Above		101 Basis Points – 150 Basis Points Above		Greater Than 150 Basis Points Above		Total

U.S. and Latin America – Traditional	Less than 1.00%	$	730	$	—	$	—	$	—	$	—	$	730
	1.00 – 1.99%	57		2		8		—		—		67
	2.00 – 2.99%	112		—		—		1		—		113
	3.00 – 3.99%	498		7		116		—		—		621
	4.00% and Greater	714		48		940		52		—		1,754
	Total	$	2,111	$	57	$	1,064	$	53	$	—	$	3,285

U.S. and Latin America – Financial Solutions	Less than 1.00%	$	—	$	—	$	—	$	—	$	—	$	—
	1.00 – 1.99%	1,116		11		8		27		24		1,186
	2.00 – 2.99%	1,127		8		31		550		111		1,827
	3.00 – 3.99%	3,293		223		151		6		2		3,675
	4.00% and Greater	10,191		29		—		—		—		10,220
	Total	$	15,727	$	271	$	190	$	583	$	137	$	16,908

Asia Pacific – Financial Solutions	Less than 1.00%	$	293	$	—	$	—	$	—	$	—	$	293
	1.00 – 1.99%	442		—		—		—		—		442
	2.00 – 2.99%	519		—		—		—		—		519
	3.00 – 3.99%	998		—		—		—		—		998
	4.00% and Greater	2,674		—		—		—		—		2,674
	Total	$	4,926	$	—	$	—	$	—	$	—	$	4,926


	June 30, 2024
	Range of Guaranteed Minimum Crediting Rate	At Guaranteed Minimum		1 Basis Point – 50 Basis Points Above		51 Basis Points – 100 Basis Points Above		101 Basis Points – 150 Basis Points Above		Greater Than 150 Basis Points Above		Total

U.S. and Latin America – Traditional	Less than 1.00%	$	—	$	—	$	—	$	—	$	—	$	—
	1.00 – 1.99%	—		—		—		—		—		—
	2.00 – 2.99%	—		—		—		—		—		—
	3.00 – 3.99%	—		—		—		—		—		—
	4.00% and Greater	496		103		982		—		—		1,581
	Total	$	496	$	103	$	982	$	—	$	—	$	1,581

U.S. and Latin America – Financial Solutions	Less than 1.00%	$	—	$	—	$	—	$	—	$	—	$	—
	1.00 – 1.99%	1,414		14		11		37		30		1,506
	2.00 – 2.99%	1,367		15		35		560		164		2,141
	3.00 – 3.99%	3,835		225		113		2		—		4,175
	4.00% and Greater	8,902		33		—		—		—		8,935
	Total	$	15,518	$	287	$	159	$	599	$	194	$	16,757

Asia Pacific – Financial Solutions	Less than 1.00%	$	218	$	—	$	—	$	—	$	—	$	218
	1.00 – 1.99%	564		—		—		—		—		564
	2.00 – 2.99%	602		—		—		—		—		602
	3.00 – 3.99%	1,144		—		—		—		—		1,144
	4.00% and Greater	1,206		—		—		—		—		1,206
	Total	$	3,734	$	—	$	—	$	—	$	—	$	3,734

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NOTE 6 UNPAID CLAIMS AND CLAIM EXPENSE – SHORT-DURATION CONTRACTS

Rollforward of Claims and Claim Adjustment Expenses

The liability for unpaid claims for short-duration contracts is reported in other policy claims and benefits on the Company’s condensed consolidated balance sheets. Activity associated with unpaid claims is summarized below (dollars in millions):


	Six months ended June 30,
	2025		2024
Balance, beginning of year	$	2,693	$	2,730
Less: reinsurance recoverable	(53)		(80)
Net balance, beginning of year	2,640		2,650
Incurred:
Current year	1,123		771
Prior years	47		(55)
Total incurred	1,170		716
Payments:
Current year	(163)		(107)
Prior years	(779)		(532)
Total payments	(942)		(639)
Other changes:
Interest accretion	17		19
Foreign exchange adjustments	71		(46)
Total other changes	88		(27)

Net balance, end of period	2,956		2,700
Plus: reinsurance recoverable	60		69
Balance, end of period	$	3,016	$	2,769

Incurred claims associated with prior periods are primarily due to the development of claims for prior years being different than anticipated when the liabilities for unpaid claims were originally estimated. These trends have been considered in establishing the current year liability for unpaid claims.

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NOTE 7 MARKET RISK BENEFITS

The following table provides the balances of and changes in the Company’s market risk benefits for the six months ended June 30, 2025 and 2024 (dollars in millions):


	U.S. and Latin America – Financial Solutions
	Six months ended June 30,
	2025		2024
Balance, beginning of year	$	206	$	249
Balance, beginning of year, before effect of changes in the instrument-specific credit risk	209		253
Interest accrual	4		6
Attributed fees collected	12		13
Benefit payments	—		—

Effect of changes in interest rates	10		(34)
Effect of changes in equity markets	(16)		(26)
Effect of changes in volatility	1		—
Other market impacts	(8)		(9)
Actual policyholder behavior different from expected behavior	9		7
Balance, end of period, before effect of changes in the instrument-specific credit risk	221		210
Effect of changes in the instrument-specific credit risk	(5)		(8)
Balance, end of period	216		202
Less: reinsurance recoverable	—		—
Balance, end of period, after reinsurance	$	216	$	202

Net amount at risk	$	1,278	$	1,302
Weighted average attained age of contract holders (in years)	72		71

The reconciliation of the rollforward for market risk benefits to the condensed consolidated balance sheets as of June 30, 2025 and 2024 is as follows (dollars in millions):


	June 30,						June 30,
	2025						2024
	Asset (1)		Liability		Net		Asset (1)		Liability		Net
U.S. and Latin America – Financial Solutions	$	17	$	233	$	(216)	$	15	$	217	$	(202)
Total market risk benefits	$	17	$	233	$	(216)

REINSURANCE GROUP OF AMERICA INC 10-Q