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Washington, D.C. 20549 Form10-Q (Mark One) Commission file number:001-15787 MetLife, Inc. Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant: (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12months (or for suchshorter period that the registrant was required to file such reports), and (2)has been subject to such filing requirements for the past 90days.Yes☑No¨ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of RegulationS-T (§232.405 of this chapter) during thepreceding 12months (or for such shorter period that the registrant was required to submit such files).Yes☑No¨ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of“large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule12b-2 of the Exchange Act. 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 standardsprovided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act). Yes☐No☑ At April 28, 2025,671,297,826shares of the registrant’s common stock were outstanding. PartI— Financial InformationItem1.Financial Statements (Unaudited) (at March31, 2025 and December31, 2024 and for the Three Months Ended March31, 2025 and 2024)Interim Condensed Consolidated Balance SheetsInterim Condensed Consolidated Statements of Operations and Comprehensive Income (Loss)Interim Condensed Consolidated Statements of EquityInterim Condensed Consolidated Statements of Cash FlowsNotes to the Interim Condensed Consolidated Financial Statements:Note 1 — Business, Basis of Presentation and Summary of Significant Accounting PoliciesNote 2 — Segment InformationNote 3 — AcquisitionNote 4 — Future Policy BenefitsNote 5 — Policyholder Account BalancesNote 6 — Market Risk BenefitsNote 7 — Separate AccountsNote 8 — Deferred Policy Acquisition Costs, Value of Business Acquired and Unearned RevenueNote 9 — Closed BlockNote 10 — InvestmentsNote 11 — DerivativesNote 12 — Fair ValueNote 13 — Long-term DebtNote 14 — Subordinated Debt SecuritiesNote 15 — EquityNote 16 — Other Revenues and Other ExpensesNote 17 — Employee Benefit PlansNote 18 — Income TaxNote 19 — Earnings Per Common ShareNote 20 — Contingencies, Commitments and GuaranteesNote 21 — Subsequent EventsItem2.Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem3.Quantitative and Qualitative Disclosures About Market RiskItem4.Controls and Procedures PartII— Other Information Item1.Legal ProceedingsItem1A.Risk FactorsItem2.Unregistered Sales of Equity Securities and Use of ProceedsItem5.Other InformationItem6.Exhibits As used in this Form10‑Q, “MetLife,” the “Company,” “we,” “our” and “us” refer to MetLife, Inc., a Delaware corporationincorporated in 1999, its subsidiaries and affiliates. Note Regarding Forward-Looking Statements This Quarterly Report on Form 10‑Q, including Management’s Discussion and Analysis of Financial Condition and Results of Operations,may contain or incorporate by reference information that includes or is based upon forward-looking statements within the meaning of thePrivate Securities Litigation Reform Act of 1995. Forward-looking statements give expectations or forecasts of future events and do not relatestrictly 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 andterms of similar meaning or that are otherwise tied to future periods or future performance, in each case in all derivative forms. They includestatements relating to strategy, goals and expectations concerning our market position, future operations, margins, profitability, capitalexpenditures, liquidity and capital resources and other financial and operating information. By their nature, forward-looking statements: speakonly 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 areexpressed in good faith and we believe there is a reasonable basis for them. However, there can be no assurance that management’sexpectations, beliefs and projections will result or be achieved and actual results may