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MetLife (MET) investor relations material
MetLife KBW Insurance Conference 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.KBW Insurance Conference 2025 summary3 Sep, 2025
Strategic transformation and New Frontier strategy
Shifted from capital-intensive to capital-light businesses, improving return profile and reducing risk.
Achieved 15.2% ROE in the last year, now targeting 15–17% under the New Frontier strategy.
Four strategic priorities: group benefits leadership, global retirement platform leverage, investment management growth, and international expansion.
Early execution strong, with three major initiatives: Pinebridge acquisition, Talcott reinsurance, and Chariot Re launch.
Growth is central, with 9% group sales growth and strong performance in Asia, EMEA, and LATAM.
Expense management and operational efficiency
Targeting a 100 basis point reduction in direct expense ratio over five years, building on past 200 basis point reduction.
Focus on gradual, evenly distributed improvements, leveraging new technologies and operational discipline.
Expense management seen as a growth lever, enabling increased discretionary spend for growth initiatives.
Group benefits and premium growth
Premium and fee growth target raised to 4–7%, driven by scale, product expansion, and digital platforms like Upwise.
Investments in customer experience and partnerships (e.g., Workday) boost employee participation and voluntary product uptake.
Rate actions in dental impacted first-half growth but are expected to enhance margins and persistency going forward.
Non-medical health claims elevated in Q2, but improvement expected in H2 due to seasonality.
How will MIM reach $1 trillion AUM?
What drives LatAm's strong earnings growth?
How does Chariot Re augment capital generation?
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Next MetLife earnings date
Q3 20256 Nov, 2025
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Frequently asked questions
The Metropolitan Life Insurance Company
MetLife, Inc. is a global provider of insurance, annuities, and employee benefits. With a history dating back to 1868, the company has grown to serve approximately 90 million customers across over 60 countries. Over the years, it has expanded its portfolio to include a wide range of financial and insurance services, catering to both individual and institutional customers. The company is headquartered in NYC, and its shares are listed on the NYSE.
Roots in the Civil War
Established in 1868 as the National Union Life and Limb Insurance Company, it was created to provide financial protection for Civil War soldiers and sailors against wartime disabilities. However, the company swiftly pivoted from its original focus, recognizing the broader potential of life insurance in the rapidly industrializing American landscape.
By the 1870s, the firm had shifted its primary focus to life insurance, adopting the name Metropolitan Life Insurance Company and this period marked the beginning of its transformation into one of the largest life insurance companies in the United States. MetLife's adoption of the "industrial" insurance model was pivotal, offering small, affordable policies to working-class Americans, payable weekly or monthly. Today the company is well cemented in the insurance industry and offers its services to over 90 million customers globally.
The Insurance Products
MetLife offers a broad range of insurance products catering to individuals, families, and businesses. Their offerings encompass various types of insurance, and while the company traditionally has been most involved in offering life insurance, its offerings are diverse. This includes everything from various forms of health insurance to auto insurance, and MetLife is one of the largest companies of its kind in the US. However, competition in the industry is tough, and some publicly traded peers to MetLife include AIG, Progressive, and Allstate.
Annuities and Other Services
Beyond its core insurance offerings, MetLife provides a comprehensive suite of annuities and retirement plan solutions, which are integral to its portfolio of financial services. The company's annuities are typically structured to offer clients options ranging from guaranteed fixed returns to more variable returns linked to the performance of underlying assets or market indices. It also provides comprehensive retirement plans for both individual savers as well as institutions looking to provide benefits for its employees.
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