MetLife (MET)

MetLife is organized around several operating segments. In the US, Group Benefits serves employers and their employees, while Retirement and Income Solutions provides products for pension risk transfer, structured settlements, stable value, and other institutional retirement needs. Together, these businesses form a large share of the company’s earnings base and connect MetLife to workplace benefits demand and corporate retirement funding activity.

Internationally, MetLife has significant operations in Asia, Latin America, and Europe, the Middle East, and Africa. Japan is an especially important market within Asia, while the company also holds strong positions in countries such as Mexico and Chile. This geographic spread gives MetLife exposure to different savings, protection, and demographic trends, though it also introduces currency, regulatory, and macroeconomic complexity.

The company also reports MetLife Holdings, which contains closed-block or run-off products that are no longer actively sold but continue to affect earnings and capital management. For investors, MetLife is typically viewed through the lens of underwriting performance, investment income, interest rates, capital returns, and the resilience of demand for protection and retirement products. Its business model depends on pricing risk effectively, managing a large investment portfolio, and maintaining financial strength across economic cycles.