# EDGAR Filing Document

**Accession Number:** 0001099219
**File Stem:** 0001099219-25-000234
**Filing Date:** 2025-12
**Character Count:** 10349
**Document Hash:** 02552e88e821886c7f8d15043b77fd0f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001099219-25-000234.hdr.sgml**: 20251201

**ACCESSION NUMBER**: 0001099219-25-000234

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20251201

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251201

**DATE AS OF CHANGE**: 20251201

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** METLIFE INC
- **CENTRAL INDEX KEY:** 0001099219
- **STANDARD INDUSTRIAL CLASSIFICATION:** LIFE INSURANCE [6311]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 134075851
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-15787
- **FILM NUMBER:** 251540425

**BUSINESS ADDRESS:**
- **STREET 1:** 200 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
- **BUSINESS PHONE:** 212-578-5500

**MAIL ADDRESS:**
- **STREET 1:** 200 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166

?xml version='1.0' encoding='ASCII'? met-20251201

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549** 

**FORM 8-K**

**CURRENT REPORT**

**PURSUANT TO SECTION 13 OR 15(d)**

**OF THE SECURITIES EXCHANGE ACT OF 1934**

**Date of report (Date of earliest event reported): December 1, 2025**

**METLIFE, INC.**

**(Exact Name of Registrant as Specified in Its Charter)**

**Delaware** 

**(State or Other Jurisdiction of Incorporation)**

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| | | | | |
|:---|:---|:---|:---|:---|
| **1-15787** | **1-15787** | **1-15787** | **1-15787** | **13-4075851** |
| **(Commission File Number)** | **(Commission File Number)** | **(Commission File Number)** | **(Commission File Number)** | **(IRS Employer Identification No.)** |
| | **200 Park Avenue,** | **New York,** | **NY** | **10166-0188** |
| **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Zip Code)** |

---

**(212**) **578-9500** 

**(Registrant's Telephone Number, Including Area Code)**

**N/A**

**(Former Name or Former Address, if Changed Since Last Report)** 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| **<u>Title of each class</u>** | **<u>Trading Symbol(s)</u>** | **<u>Name of each exchange on which registered</u>** |
| Common Stock, par value $0.01 | MET | New York Stock Exchange |
| Floating Rate Non-Cumulative Preferred Stock,<br>Series A, par value $0.01 | MET PRA | New York Stock Exchange |
| Depositary Shares, each representing a 1/1,000th<br>interest in a share of 5.625% Non-Cumulative <br>Preferred Stock, Series E | MET PRE | New York Stock Exchange |
| Depositary Shares, each representing a 1/1,000th interest in a share of 4.75% Non-Cumulative Preferred Stock, Series F | MET PRF | New York Stock Exchange |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company&nbsp;&nbsp;&nbsp;&nbsp;☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&nbsp;&nbsp;&nbsp;&nbsp;☐

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**Item 7.01 Regulation FD Disclosure.**

On December 1, 2025, MetLife, Inc. issued a news release announcing it has completed its previously announced transaction with Talcott Resolution Life Insurance Company to reinsure approximately $10 billion of U.S. retail variable annuity and rider reserves. A copy of the news release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The news release is furnished as of December 1, 2025, but not filed, pursuant to Instruction B.2 of Form 8-K.

**Item 9.01 Financial Statements and Exhibits.**

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| | |
|:---|:---|
| <u>[99.1](ex991newsrelease120125.htm)</u> | <u>[News release of MetLife, Inc. dated December 1, 2025, announcing it completed its transaction with Talcott Resolution Life Insurance Company to reinsure approximately $10 billion of U.S. retail variable annuity and rider reserves.](ex991newsrelease120125.htm)</u> |

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101 Pursuant to Rule 406 of Regulation S-T, the cover page is formatted in Inline XBRL (Inline eXtensible Business Reporting Language)

104 Cover Page Interactive Data File (embedded within the Inline XBRL document and included in Exhibit 101)

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | |
|:---|:---|:---|
| METLIFE, INC. | METLIFE, INC. | METLIFE, INC. |
| By: | /s/ Timothy J. Ring | /s/ Timothy J. Ring |
|  | Name: | Timothy J. Ring |
|  | Title: | Senior Vice President and Secretary |

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Date: December 1, 2025

## Exhibit 99.1

&nbsp;&nbsp;&nbsp;&nbsp;Exhibit 99.1

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| | |
|:---|:---|
| ![metlogo20202a02a.jpg](metlogo20202a02a.jpg) | For Immediate Release \| Global Communications \| MetLife, Inc. |

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**MetLife Completes $10 Billion Variable Annuity** 

**Risk Transfer Transaction**

**NEW YORK, December 1, 2025 –** MetLife, Inc. (NYSE: MET) today announced it has completed its previously announced $10 billion variable annuity risk transfer transaction with Talcott Resolution Life Insurance Company (Talcott), a life insurance and annuities subsidiary of Talcott Financial Group. Expected foregone annual adjusted earnings total of approximately $100 million will be partially offset by annual hedge cost savings of approximately $45 million.

The transaction reduces portfolio risk, accelerates the run-off of MetLife's legacy blocks of business and represents the latest example of MetLife's disciplined execution of risk transfer options within MetLife Holdings, the closed-block businesses of the company's former U.S. Retail segment. MetLife Investment Management will manage approximately $6 billion of assets under investment management agreements with Talcott.

<u>Forward-Looking Statements</u>

This news release may contain or incorporate by reference information that includes or is based upon forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements give expectations or forecasts of future events and do not relate strictly to historical or current facts. They use words and terms such as "anticipate," "are confident," "assume," "believe," "continue," "could," "estimate," "expect," "if," "intend," "likely," "may," "plan," "potential," "project," "should," "target," "will," "would," and other words and terms of similar meaning or that are otherwise tied to future periods or future performance, in each case in all derivative forms. They include statements relating to strategy, goals and expectations concerning our market position, future operations, margins, profitability, capital expenditures, liquidity and capital resources and other financial and operating information. By their nature, forward-looking statements: speak only as of the date they are made; are not statements of historical fact or guarantees of future performance; and are subject to risks, uncertainties, assumptions or changes in circumstances that are difficult to predict or quantify. Our expectations, beliefs and projections are expressed in good faith and we believe there is a reasonable basis for them. However, there can be no assurance that management's expectations, beliefs and projections will result or be achieved and actual results may vary materially from what is expressed in or indicated by the forward-looking statements.

Many factors determine the results of MetLife, Inc., its subsidiaries and affiliates, and they involve unpredictable risks and uncertainties. Our forward-looking statements depend on our assumptions, our expectations, and our understanding of the economic environment, but they may be inaccurate and may change. MetLife, Inc. does not guarantee any future performance. Our results could differ materially from those MetLife, Inc. expresses or implies in forward-looking statements. The risks, uncertainties and other factors identified in MetLife, Inc.'s filings with the U.S. Securities and Exchange Commission, and others, may cause such differences.

MetLife, Inc. does not undertake any obligation to publicly correct or update any forward-looking statement if MetLife, Inc. later becomes aware that such statement is not likely to be achieved.

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Please consult any further disclosures MetLife, Inc. makes on related subjects in subsequent reports to the U.S. Securities and Exchange Commission.

<u>About MetLife</u>

MetLife, Inc. (NYSE: MET), through its subsidiaries and affiliates ("MetLife"), is one of the world's leading financial services companies, providing insurance, annuities, employee benefits and asset management to help individual and institutional customers build a more confident future. Founded in 1868, MetLife has operations in more than 40 markets globally and holds leading positions in the United States, Asia, Latin America, Europe and the Middle East. For more information, visit www.metlife.com.

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<u>Contacts</u> 

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| | |
|:---|:---|
| **For Media**: <br>Jane Slusark<br>347-989-5477<br>Jane.Slusark@metlife.com | **For Investors:**<br>John Hall<br>212-578-7888<br>John.A.Hall@metlife.com |

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