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After-tax adjusted earnings from MetLife's life, accident and health, retirement and savings businesses across Asia. MetLife uses adjusted earnings to evaluate segment performance after excluding market volatility, accounting asymmetries, divested businesses and other specified items.
asiaAdjustedEarningsInsurance premium revenue earned by MetLife's life, accident and health, retirement and savings businesses across Asia. It excludes policy fees, net investment income and other revenue that are included in total Asia segment revenue.
asiaPremiumsTotal revenue from MetLife's Asia segment, including premiums, policy fees, net investment income and other revenue from life, accident and health, retirement and savings products. This is reportable-segment revenue, not merely a geographic sales split.
asiaRevenueAdjusted after-tax result from MetLife's run-off and developing businesses and activities not assigned to a reportable segment, including most of the former MetLife Holdings portfolio after the 2025 reorganization. It also absorbs unallocated corporate costs and interest on most company debt, so this line often reports a loss.
corporateAndOtherAdjustedEarningsInsurance premium revenue assigned to MetLife's Corporate & Other bucket, which contains run-off and developing businesses rather than a geographic market. After the 2025 reorganization, most former MetLife Holdings business moved into this bucket, making the old and new segment presentations different.
corporateAndOtherPremiumsRevenue assigned to MetLife's Corporate & Other bucket, which includes run-off and developing businesses and unallocated corporate activities rather than a geographic market. MetLife separated MIM from this bucket and moved most former MetLife Holdings business into it during the 2025 reorganization.
corporateAndOtherRevenueMetLife's direct expenses—employee costs, third-party staffing and general and administrative costs—divided by adjusted premiums, fees and other revenues. Unlike the related adjusted ratio, this version does not exclude notable items or pension risk transfer revenue.
directExpenseRatioInsurance premium revenue earned from intersegment transactions eliminated in consolidation during the period.
eliminationsFromPremiumsRevenue Metlife eliminates in consolidation for transactions between its reportable segments during the period, measured in U.S. dollars.
eliminationsFromRevenueAfter-tax adjusted earnings from MetLife's life, accident and health, retirement and savings businesses across Europe, the Middle East and Africa. MetLife uses adjusted earnings to evaluate segment performance after excluding market volatility, accounting asymmetries, divested businesses and other specified items.
europeMiddleEastAndAfricaAdjustedEarningsInsurance premium revenue earned by MetLife's life, accident and health, retirement and savings businesses across Europe, the Middle East and Africa. It excludes policy fees, net investment income and other revenue included in total EMEA segment revenue.
europeMiddleEastAndAfricaPremiumsTotal revenue from MetLife's EMEA segment, including premiums, policy fees, net investment income and other revenue from life, accident and health, retirement and savings products. This is reportable-segment revenue, not merely a geographic sales split.
europeMiddleEastAndAfricaRevenueMetLife's other expenses, net of capitalized deferred acquisition costs, divided by premiums, fees and other revenues. It is a broad GAAP cost ratio, so a lower percentage means less expense for each dollar of insurance and fee revenue.
expenseRatioAfter-tax adjusted earnings from MetLife's U.S. employer-benefits business, including life, dental, disability, leave, accident and health, vision, legal and pet coverage. It is the segment profit measure management uses after excluding market volatility, accounting asymmetries, divested businesses and other specified items.
groupBenefitsAdjustedEarningsInsurance premium revenue earned by MetLife's U.S. Group Benefits products, including employer-sponsored life, dental, disability, accident and health, vision and related coverage. It excludes service fees and investment income that are included in total segment revenue.
groupBenefitsPremiumsTotal revenue from MetLife's U.S. Group Benefits segment, combining insurance premiums with policy fees, investment income and service revenue from employer-benefit products. It includes fee-based services such as vision, legal plans and administrative-services-only arrangements, so it is broader than premiums alone.
groupBenefitsRevenueAfter-tax adjusted earnings from MetLife's life, retirement and savings, accident and health, and credit-insurance businesses across Latin America. MetLife also reports constant-currency comparisons because exchange-rate changes can materially affect the U.S.-dollar result.
latinAmericaAdjustedEarningsInsurance premium revenue earned by MetLife's life, retirement and savings, accident and health, and credit-insurance businesses across Latin America. It excludes policy fees, investment income and other revenue included in total segment revenue.
latinAmericaPremiumsTotal revenue from MetLife's Latin America segment, including premiums, policy fees, net investment income and other revenue from insurance and retirement products. Reported U.S.-dollar revenue can move differently from local-currency business growth because of exchange rates.
latinAmericaRevenueMetLife's consolidated other-revenues line, consisting primarily of fees for services rather than an unnamed geographic segment. It includes vision services, prepaid legal plans, institutional asset-management fees, administrative-services-only contracts and recordkeeping services.
otherRevenueAfter-tax adjusted earnings from MetLife's U.S. Retirement and Income Solutions segment, which helps institutions fund and manage employee-benefit liabilities. Its products include pension risk transfer, stable value, institutional annuities, structured settlements, longevity reinsurance and benefit-funding solutions.
retirementAndIncomeSolutionsAdjustedEarningsPremium revenue from MetLife's institutional retirement and income products, including pension risk transfer, institutional annuities, structured settlements and longevity-risk solutions. Large pension risk transfer transactions can make this line unusually volatile from quarter to quarter.
retirementAndIncomeSolutionsPremiumsTotal revenue from MetLife's U.S. Retirement and Income Solutions segment, including premiums, policy fees, net investment income and other revenue from institutional retirement and liability-management products. Pension risk transfer transactions can produce large quarter-to-quarter swings in this total.
retirementAndIncomeSolutionsRevenueMetLife's consolidated adjusted earnings available to common shareholders: adjusted revenues less adjusted expenses and income tax, after preferred dividends. It excludes market volatility, accounting asymmetries, divested businesses and other company-defined adjustments, so it is not GAAP net income.
totalAdjustedNetIncomeInsurance premium revenue earned from the insurance portfolio after ceded reinsurance during the period.
totalNetPremiumsEarnedDerived sum of adjusted earnings from MetLife's two U.S.-based operating segments, Group Benefits and Retirement and Income Solutions. It excludes the former MetLife Holdings run-off portfolio and Corporate & Other, so it is not earnings from every U.S. activity.
unitedStatesAdjustedEarningsDerived sum of premium revenue from MetLife's Group Benefits and Retirement and Income Solutions segments. It excludes premiums from the former MetLife Holdings portfolio and Corporate & Other, so it is narrower than all U.S.-generated premiums.
unitedStatesPremiumsDerived sum of total revenue from MetLife's Group Benefits and Retirement and Income Solutions segments. It excludes the former MetLife Holdings portfolio and Corporate & Other, so it is not a complete geographic total for the United States.
unitedStatesRevenueHistorical adjusted earnings from MetLife Holdings, the run-off portfolio of U.S. life insurance, annuities and long-term-care products that MetLife no longer actively marketed. MetLife eliminated this reportable segment in its late-2025 reorganization, moving most of it to Corporate & Other and selected products to Group Benefits and RIS.
metlifeHoldingsAdjustedEarningsHistorical premium revenue from MetLife's closed U.S. portfolio of life insurance, annuities and long-term-care products no longer actively marketed. The MetLife Holdings segment ended in the late-2025 reorganization, with most business moved to Corporate & Other and selected products to Group Benefits and RIS.
metlifeHoldingsPremiumsHistorical total revenue from MetLife's run-off U.S. life insurance, annuity and long-term-care portfolio, including premiums, policy fees, net investment income and other revenue. MetLife eliminated the Holdings segment in late 2025 and redistributed its business, so later values are not a continuation of the same segment.
metlifeHoldingsRevenue