METLIFE INC

MetLife, Inc. is a Delaware corporation and one of the world's leading financial services companies, offering insurance, annuities, employee benefits, and asset management. Its business strategy focuses on generating strong free cash flow, simplifying operations, and differentiating through brand, scale, talent, and innovation. MetLife operates in six segments: Group Benefits, Retirement and Income Solutions, Asia, Latin America, Europe, Middle East and Africa, and MetLife Holdings. The company's website is metlife.com, and its ticker symbol is MET. MetLife's Group Benefits segment offers life insurance, dental, group short- and long-term disability, individual disability, accidental death and dismemberment insurance, vision, and accident & health insurance, as well as prepaid legal plans and pet insurance. Retirement and Income Solutions provide funding and financing solutions for institutional customers to manage liabilities associated with their employee benefit programs. The Asia segment operates in nine jurisdictions throughout Asia, with the largest operation in Japan. Latin America's largest operations are in Mexico and Chile. Europe, Middle East, and Africa (EMEA) has operations in both developed and emerging markets, with the largest operations in the Gulf region, the U.K., and France. MetLife Holdings contains various start-up, developing, and run-off businesses, as well as an in-force block of assumed variable annuity guarantees from a third party. MetLife's insurance subsidiaries establish statutory reserves under methods prescribed by the insurance laws of their respective domiciliary jurisdiction, which are reported as liabilities. The company uses a variety of underwriting and pricing management controls, including underwriting policies, guidelines, philosophies, and strategies that are competitive, suitable for the customer, and support financial strength and business objectives. MetLife continually reviews its underwriting policies, guidelines, philosophies, and strategies to ensure they remain competitive, support marketing strategies and profitability goals, and are otherwise appropriate. The company enters into reinsurance agreements primarily as a purchaser of reinsurance for its various insurance products to limit losses, minimize exposure to significant risks, and provide additional capacity for future growth.