Exhibit 32.2

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION
906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report on Form 10-K of Reinsurance Group of
America, Incorporated and subsidiaries, (the "Company"), for the year ended
December 31, 2004, as filed with the Securities and Exchange Commission on the
date hereof (the "Report"), Jack B. Lay, Chief Financial Officer of the Company,
certifies, to his best knowledge and belief, pursuant to 18 U.S.C. Section 1350,
as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

      1. The Report fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

      2. The information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of the
Company.

Date: February 25, 2005                    /s/ Jack B. Lay
                                           Jack B. Lay
                                           Executive Vice President
                                           & Chief Financial Officer