METLIFE INC
For the period ended Dec 31, 2025. Filed Feb 19, 2026.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 19, 2026
MET$101.67+3.5%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Glossary
Throughout this Form 10-K, the Company uses certain abbreviations, acronyms and terms which are further detailed below.
| A.M. Best | A.M. Best Company, Inc. | Credit Facility | Unsecured revolving credit facility |
|---|---|---|---|
| ABO | Accumulated Benefit Obligations | CRO | Chief Risk Officer |
| ABS & CLO | Asset-Backed Securities and Collateralized Loan Obligations | C-ROSS | China Risk Oriented Solvency System |
| ACL | Allowance For Credit Loss | CSRD | Corporate Sustainability Reporting Directive |
| AD&D | Accidental Death and Dismemberment | Cybersecurity Model Law | NAIC’s Insurance Data Security Model Law |
| AFS | Available-For-Sale | DAC | Deferred Policy Acquisition Costs |
| AI | Artificial Intelligence | Deferred Shares | Awards that have become payable in shares but the issuance of which has been deferred |
| ALM | Asset/Liability Management | Delaware Commissioner | Delaware Commissioner of Insurance |
| Alt-A | Alternative Residential Mortgage Loans | Dodd-Frank | Dodd-Frank Wall Street Reform and Consumer Protection Act |
| American Life | American Life Insurance Company | DOL | U.S. Department of Labor |
| AOCI | Accumulated Other Comprehensive Income (Loss) | DPL | Deferred Profit Liability |
| APBO | Accumulated Postretirement Benefit Obligation | DSCR | Debt Service Coverage Ratios |
| ASO | Administrative Services-Only | EEA | European Economic Area |
| ASU | Accounting Standards Update | EMEA | Europe, the Middle East and Africa |
| AUM | Assets Under Management | ERC | Enterprise Risk Committee |
| Authorized Control Level RBC | Authorized Control Level RBC, calculated in the manner prescribed by the NAIC | ERISA | Employee Retirement Income Security Act of 1974 |
| Brighthouse | Brighthouse Financial, Inc. and its Subsidiaries | ERM | Enterprise Risk Management |
| CBIRC | The China Banking and Insurance Regulatory Commission | EU | European Union |
| CCPA | California Consumer Privacy Act | EU AI Act | European Union’s Artificial Intelligence Act |
| CEO | Chief Executive Officer | Exchange Act | Securities Exchange Act of 1934 |
| CFEs | Collateralized financing entities | Farmer Mac | Federal Agricultural Mortgage Corporation |
| CFO | Chief Financial Officer | FASB | Financial Accounting Standards Board |
| CFPB | Consumer Financial Protection Bureau | FDIC | Federal Deposit Insurance Corporation |
| CFTC | Commodity Futures Trading Commission | Federal Reserve | Federal Reserve Board & Federal Reserve Bank of New York |
| Chariot | Chariot Holding Company, LP | Federal Reserve Board | Board of Governors of the Federal Reserve System |
| Chariot Re | Chariot Reinsurance, Ltd. | FHLBNY | Federal Home Loan Bank of New York |
| CISO | Chief Information Security Officer | FINRA | Financial Industry Regulatory Authority |
| CLO Investments | CLO Fund Investments | FIO | Federal Insurance Office |
| CLOs | Collateralized Loan Obligations | Fitch | Fitch Ratings Inc. |
| CMBS | Commercial Mortgage-Backed Securities | FPB | Future Policy Benefit Liabilities |
| Committed Facilities | Credit Facility, as well as certain committed facilities | FSA | Financial Services Agency |
| Company Action Level RBC | Minimum level of TAC before corrective action commences is twice authorized control level RBC | FSB | Financial Stability Board |
| FSOC | Financial Stability Oversight Council | MSS | MetLife Services and Solutions, LLC |
|---|---|---|---|
| FVO | Fair Value Option | MTL | Metropolitan Tower Life Insurance Company |
| GAAP | Accounting principles generally accepted in the United States of America | NAIC | National Association of Insurance Commissioners |
| GCC | Group Capital Calculation | NAV | Net Asset Value |
| GDPR | General Data Protection Regulation | Nebraska Director | Director of the Nebraska Department of Insurance |
| GICs | Guaranteed Interest Contracts | NGEs | Non-Guaranteed Elements |
| GILTI | Global Intangible Low-Taxed Income | NIFO | Net investment in a foreign operation |
| GMABs | Guaranteed Minimum Accumulation Benefits | Non-Bank SIFI | Non-Bank Systemically Important Financial Institution |
| GMCR | Guaranteed Minimum Crediting Rates | NPR | Net Premium Ratio |
| GMDBs | Guaranteed Minimum Death Benefits | NQM | Non-Qualified Residential Mortgage |
| GMIBs | Guaranteed Minimum Income Benefits | NRSRO | Nationally Recognized Statistical Rating Organizations |
| GMWBs | Guaranteed Minimum Withdrawal Benefits | NYDFS | New York State Department of Financial Services |
| GMXBs | Guaranteed Minimum Benefits | OCI | Other Comprehensive Income (Loss) |
| IAIGs | Internationally Active Insurance Groups | OLPI | Other Limited Partnership Interests |
| IAIS | International Association of Insurance Supervisors | OTC | Over-the-Counter |
| IBNP | Incurred But Not Paid | OTC-bilateral | Bilateral contracts between two counterparties |
| IBNR | Incurred But Not Reported | OTC-cleared | OTC derivatives are cleared and settled through central clearing counterparties |
| IMR | Interest Maintenance Reserve | PABs | Policyholder Account Balances |
| Invested Plans | Assets of the qualified pension plans and postretirement medical plans | PBO | Projected Benefit Obligation |
| IRS | Internal Revenue Service | PCAOB | Public Company Accounting Oversight Board |
| LDTI | Long-Duration Targeted Improvements | Phantom Stock-Based Awards | Cash-settled awards based in whole or in part on the price of shares or changes in the price of shares |
| LDTI Transition Date | January 1, 2021 | PineBridge | PineBridge Investments |
| LIBOR | London Interbank Offered Rate | PTE | Prohibited Transaction Exemption |
| LTV | Loan-To-Value | RBC | Risk-Based Capital |
| MetLife Malaysia | AmMetLife Insurance Berhad (Malaysia) and AmMetLife Takaful Berhad (Malaysia) | RCC | Replacement Capital Covenant |
| MIM | MetLife Investment Management, the Company’s institutional asset management business | REJVs | Real Estate Joint Ventures |
| MLIC | Metropolitan Life Insurance Company | Retiree VEBA | U.S. Retiree Health and Welfare Benefit Obligations |
| Moody’s | Moody’s Investors Service, Inc. | RIS | Retirement and Income Solutions |
| MoRe | Missouri Reinsurance, Inc. | RMBS | Residential Mortgage-Backed Securities |
| MrB | MetLife Reinsurance Company of Bermuda, Ltd. | ROU | Right-of-Use |
| MRB | Market Risk Benefit | SCL | Special Considerations Letter |
| MRC | MetLife Reinsurance Company of Charleston | SEC | U.S. Securities and Exchange Commission |
| MrH | MetLife Reinsurance Company of Hamilton, Ltd. | Separation | Distribution of shares of Brighthouse Financial, Inc. common stock to the MetLife, Inc. common shareholders |
| MRV | MetLife Reinsurance Company of Vermont | Series A preferred stock | Non-Cumulative Preferred Stock, Series A |
| Series D preferred stock | 5.875% Fixed-To-Floating Rate Non-Cumulative Preferred Stock, Series D | TRRs | Total Rate of Return Swaps |
|---|---|---|---|
| Series E preferred stock | 5.625% Non-Cumulative Preferred Stock, Series E | U.K. | United Kingdom |
| Series F preferred stock | 4.75% Non-Cumulative Preferred Stock, Series F | U.S. | United States |
| Series G preferred stock | 3.850% Fixed Rate Reset Non-Cumulative Preferred Stock, Series G | ULSG | Universal and Variable Universal Life Policies with Secondary Guarantees |
| SOFR | Secured Overnight Financing Rate | Unit-linked and FVO Securities | Contractholder-directed equity securities and Fair Value Option securities |
| SSG | Structured Securities Group | Unit-linked investments | Contractholder-directed investments supporting unit-linked variable annuity type liabilities |
| Statement-Based Combined RBC Ratio | Internally defined Combined RBC Ratio | UREV | Unearned Revenue |
| Statutory Codification | Codification of Statutory Accounting Principles | VIEs | Variable Interest Entities |
| Structured Products | RMBS, ABS & CLO and CMBS | VM | Valuation Manual |
| Superintendent | New York Superintendent of Financial Services | VOBA | Value of Business Acquired |
| S&P | Standard & Poor’s Global Ratings | VOCRA | Value of Customer Relationships Acquired |
| TAC | Total Adjusted Capital, calculated in the manner prescribed by the NAIC | VODA | Value of Distribution Agreements |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.