MetLife (MET) Risk Factor Changes

We may not realize any or all of the expected tax or other benefits of the Brighthouse separation.

We, our employees, and our vendors, like other commercial entities, continue to be targeted by or subject to malicious actors attempting to install computer viruses or other malicious code, to gain unauthorized or fra…

We may fail to attract, motivate and retain employees, develop talent, and plan for management succession.

We may fail to escheat property timely and completely.

We may make errors in any of the large number of transactions we process through our complex administrative, information and investment systems.

Catastrophic events could increase claims, impair assets in or otherwise harm our investment portfolio, and could harm our reinsurers’ financial condition, increasing reinsurance defaults.

Technological changes may affect our business model and how we interact with existing or prospective customers, and evolving consumer preferences may require a redesign of our products and investment composition.

An increase in consolidation activity among banks, insurance brokers, broker-dealers, and asset managers may negatively impact the insurance industry’s sales.

Competitive pressures, based on a number of factors including service, product features, scale, price, commission structure, financial strength, investment performance, the level of fees charged, our ability to develo…

We May Have to Pledge Collateral or Make Payments in Derivatives and Reinsurance Transactions

Our investors or others may evaluate our practices against sustainability criteria that continue to evolve and may be unclear, inconsistent or based on methodologies that are not readily measurable.

Some of our stockholders, investors, and customers, or those considering such a relationship with us, evaluate our business or other practices according to a variety of sustainability standards and expectations.

Our Efforts to Enhance the Sustainability of our Businesses May Not Meet Investors', Regulators' or Customers' Expectations

Our business and financial results may suffer without sufficient liquidity through impaired ability to pay claims, other operating expenses, interest on our debt, dividends on our capital stock, cash or collateral to…

If our counterparties, clearing brokers or central clearinghouses fail or refuse to honor their obligations under our derivatives agreements, our risks may not be fully hedged.

Changes in leasable commercial space supply and demand, lessee behaviors, pandemics and other public health issues, creditworthiness of tenants and partners, capital markets volatility, interest rate fluctuations, com…

Downturns, volatility or other negative equity market conditions may harm our savings, asset management, and investment products’ and services’ revenues and investment returns, where fee income is earned based upon th…

If we or our vendors fail to prevent, detect, address and mitigate such incidents, we may suffer significant financial and reputational harm.

We may fail to escheat property timely and completely.

In addition, legislative and other changes affecting the regulatory environment for our business may not impact all activities and companies equally, which could adversely affect our competitive position within the in…

If we or our vendors fail to prevent, detect, address and mitigate such incidents, we may suffer significant financial and reputational harm.

Market conditions resulting in reductions in the value of assets we manage or lower transaction volume may have an adverse effect on the revenues and profitability of our institutional asset management services, which…