MetLife is a U.S.-based insurance and financial services group that sells life insurance, annuities, employee benefits and retirement solutions, while also operating an institutional asset management business. Its model combines long-duration insurance liabilities with a large investment portfolio, and it serves customers across the U.S., Asia, Latin America, Europe, the Middle East and Africa.
8,1 %
4,4 %
+8,6 %
| % | |
|---|---|
| Group Benefits | 30% Employer-sponsored life, disability, dental, medical and supplemental benefits sold to corporate and institutional plan sponsors. |
| Retirement and Income Solutions | 20% Annuities, pension risk transfer and other liability funding solutions for institutions and retirees. |
| Asia | 18% Retail and group insurance, savings and retirement products distributed through agency and bancassurance channels across Asian markets. |
| Latin America | 10% Life, accident & health, retirement and credit insurance products sold mainly in Mexico, Chile and other regional markets. |
| EMEA | 12% Life, accident & health, corporate solutions and savings products sold across Europe, the Middle East and Africa. |
| MetLife Investment Management | 10% Institutional asset management services and related investment products for external and affiliated clients. |
MetLife sells primarily to employers, institutional plan sponsors, retirees and individual policyholders, with a...
Corporations and other employers buy group life, disability, dental and medical coverage to protect employees and manage benefit programs.
Plan sponsors and institutions buy RIS annuities and pension risk transfer solutions to offload longevity and funding risk.
Individuals buy whole life, term life, annuities, savings and accident & health products for protection and retirement planning.
Agencies, bancassurance partners, brokers and direct channels sell MetLife products in Asia, Latin America and EMEA.
External institutions and affiliated balance sheets use MIM for fixed income and broader asset management services.
MetLife has its largest and most mature business in the United States, but it also operates across Asia, Latin America...
MetLife’s New Frontier strategy is focused on four growth pillars: expanding Group Benefits, leveraging its retirement...
This is a core U.S. franchise with recurring employer relationships and cross-sell opportunities.
RIS monetizes MetLife's expertise in annuities and pension risk transfer, which can generate large institutional mandates.
MIM expands fee-based earnings and diversifies the company beyond insurance spread income.
Asia, Latin America and parts of EMEA provide growth where insurance penetration and retirement demand are still developing.
MetLife’s earnings are sensitive to interest rates, capital markets, underwriting experience and the performance of its...
Insurance earnings depend on investment yields, derivative results and liability discounting, so market moves can affect both income and capital.
Adverse mortality, morbidity, lapse or claims experience can require reserve strengthening and reduce margins.
MetLife relies on subsidiary dividends for holding-company liquidity, but insurance regulators limit upstream distributions.
The business handles sensitive customer and employee data, so breaches can create remediation costs, fines and reputational damage.
A large share of operations is outside the U.S., so currency swings and local market disruption can affect reported results.
: 11/08/2026