Item 16. Form 10-K Summary

None.

Exhibit Index

(Note Regarding Reliance on Statements in Our Contracts: In reviewing the agreements included as exhibits to this Annual Report on Form 10-K, please remember that they are included to provide you with information regarding their terms and are not intended to provide any other factual or disclosure information about MetLife, Inc., its subsidiaries or affiliates, or the other parties to the agreements. The agreements contain representations and warranties by each of the parties to the applicable agreement. These representations and warranties have been made solely for the benefit of the other parties to the applicable agreement and (i) should not in all instances be treated as categorical statements of fact, but rather as a way of allocating the risk to one of the parties if those statements prove to be inaccurate; (ii) have been qualified by disclosures that were made to the other party in connection with the negotiation of the applicable agreement, which disclosures are not necessarily reflected in the agreement; (iii) may apply standards of materiality in a way that is different from what may be viewed as material to investors; and (iv) were made only as of the date of the applicable agreement or such other date or dates as may be specified in the agreement and are subject to more recent developments. Accordingly, these representations and warranties may not describe the actual state of affairs as of the date they were made or at any other time. Additional information about MetLife, Inc., its subsidiaries and affiliates may be found elsewhere in this Annual Report on Form 10-K and MetLife, Inc.’s other public filings, which are available without charge through the U.S. Securities and Exchange Commission website at www.sec.gov.)

												Incorporated By Reference
Exhibit No.						Description						Form						File Number						Exhibit						Filing Date						Filed or Furnished Herewith
2.1						Plan of Reorganization.						S-1						333-91517						2.1						November 23, 1999
2.2						Amendment to Plan of Reorganization, dated as of March 9, 2000.						S-1/A						333-91517						2.2						March 29, 2000
2.3						Master Separation Agreement, dated August 4, 2017, between MetLife, Inc. and Brighthouse Financial, Inc.						8-K						001-15787						2.1						August 7, 2017
3.1.1						Amended and Restated Certificate of Incorporation of MetLife, Inc.						10-K						001-15787						3.1						March 1, 2017
3.1.2						Certificate of Retirement of Series B Contingent Convertible Junior Participating Non-Cumulative Perpetual Preferred Stock of MetLife, Inc., filed with the Secretary of State of Delaware on November 5, 2013.						10-Q						001-15787						3.6						November 7, 2013
3.1.3						Certificate of Amendment of Amended and Restated Certificate of Incorporation of MetLife, Inc., dated April 29, 2015.						8-K						001-15787						3.1						April 30, 2015
3.1.4						Certificate of Elimination of 6.500% Non-Cumulative Preferred Stock, Series B, of MetLife, Inc., filed with the Secretary of State of Delaware on November 3, 2015.						10-Q						001-15787						3.7						November 5, 2015
3.1.5						Certificate of Amendment of Amended and Restated Certificate of Incorporation of MetLife, Inc., dated April 29, 2011.						10-K						001-15787						3.4						March 1, 2017
3.1.6						Certificate of Designation, Preferences and Rights of Series A Junior Participating Preferred Stock of MetLife, Inc., filed with the Secretary of State of Delaware on April 7, 2000.						10-K						001-15787						3.2						March 1, 2017
3.1.7						Certificate of Designations of Floating Rate Non-Cumulative Preferred Stock, Series A, of MetLife, Inc., filed with the Secretary of State of Delaware on June 10, 2005.						10-K						001-15787						3.3						March 1, 2017
3.1.8						Certificate of Amendment of Amended and Restated Certificate of Incorporation of MetLife, Inc., dated October 23, 2017.						8-K						001-15787						3.1						October 24, 2017
3.1.9						Certificate of Designations of 5.875% Fixed-to-Floating Rate Non-Cumulative Preferred Stock, Series D, of MetLife, Inc., filed with the Secretary of State of Delaware on March 21, 2018.						8-K						001-15787						3.1						March 22, 2018
3.1.10						Certificate of Designations of 5.625% Non-Cumulative Preferred Stock, Series E, of MetLife, Inc., filed with the Secretary of the State of Delaware on May 31, 2018.						8-K						001-15787						3.1						June 4, 2018

												Incorporated By Reference
Exhibit No.						Description						Form						File Number						Exhibit						Filing Date						Filed or Furnished Herewith
3.1.11						Certificate of Designations of 4.75% Non-Cumulative Preferred Stock, Series F, of MetLife, Inc., filed with the Secretary of the State of Delaware on January 8, 2020.						8-K						001-15787						3.1						January 9, 2020
3.1.12						Certificate of Designations of 3.850% Fixed Rate Reset Non-Cumulative Preferred Stock, Series G, of MetLife, Inc., filed with the Secretary of the State of Delaware on September 9, 2020.						8-K						001-15787						3.1						September 10, 2020
3.1.13						Certificate of Elimination of 5.250% Fixed-to-Floating Rate Non-Cumulative Preferred Stock, Series C, of MetLife, Inc., filed with the Secretary of State of Delaware on June 29, 2021.						8-K						001-15787						3.1						June 29, 2021
3.2						Amended and Restated By-Laws of MetLife, Inc., effective September 25, 2018.						8-K						001-15787						3.2						October 1, 2018
4.1						Form of Certificate for Common Stock, par value $0.01 per share.						S-1/A						333-91517						4.1						March 9, 2000
4.2						Certificate of Designation, Preferences and Rights of Series A Junior Participating Preferred Stock of MetLife, Inc., filed with the Secretary of State of Delaware on April 7, 2000. (See Exhibit 3.1.6 above).
4.3						Certificate of Designations of Floating Rate Non-Cumulative Preferred Stock, Series A, of MetLife, Inc., filed with the Secretary of State of Delaware on June 10, 2005. (See Exhibit 3.1.7 above).
4.4						Form of Stock Certificate, Floating Rate Non-Cumulative Preferred Stock, Series A, of MetLife, Inc.						8-A						001-15787						99.6						June 10, 2005
4.5						Certificate of Amendment of Amended and Restated Certificate of Incorporation of MetLife, Inc., dated October 23, 2017. (See Exhibit 3.1.8 above).
4.6						Certificate of Designations of 5.875% Fixed-to-Floating Rate Non-Cumulative Preferred Stock, Series D, of MetLife, Inc., filed with the Secretary of State of Delaware on March 21, 2018. (See Exhibit 3.1.9 above).
4.7						Form of Stock Certificate, 5.875% Fixed-to-Floating Rate Non-Cumulative Preferred Stock, Series D, of MetLife, Inc.						8-K						001-15787						4.1						March 22, 2018
4.8						Certificate of Designations of 5.625% Non-Cumulative Preferred Stock, Series E, of MetLife, Inc., filed with the Secretary of the State of Delaware on May 31, 2018. (See Exhibit 3.1.10 above).
4.9						Form of Stock Certificate, 5.625% Non-Cumulative Preferred Stock, Series E, of MetLife, Inc.						8-K						001-15787						4.1						June 4, 2018
4.10						Deposit Agreement, dated June 4, 2018, among MetLife, Inc., Computershare Inc. and Computershare Trust Company, N.A., as depositary, and the holders from time to time of the depositary receipts described therein.						8-K						001-15787						4.2						June 4, 2018
4.11						Form of Depositary Receipt, Depositary Shares each representing a 1/1,000th interest in a share of 5.625% Non-Cumulative Preferred Stock, Series E, of MetLife, Inc.						8-K						001-15787						4.3						June 4, 2018
4.12						Certificate of Designations of 4.75% Non-Cumulative Preferred Stock, Series F, of MetLife, Inc., filed with the Secretary of the State of Delaware on January 8, 2020. (See Exhibit 3.1.11 above).
4.13						Form of Stock Certificate, 4.75% Non-Cumulative Preferred Stock, Series F, of MetLife, Inc.						8-K						001-15787						4.1						January 9, 2020
4.14						Certificate of Designations of 3.850% Fixed Rate Reset Non-Cumulative Preferred Stock, Series G, of MetLife, Inc., filed with the Secretary of the State of Delaware on September 9, 2020. (See Exhibit 3.1.12 above).
4.15						Form of Stock Certificate, 3.850% Fixed Rate Reset Non-Cumulative Preferred Stock, Series G, of MetLife, Inc.						8-K						001-15787						4.1						September 10, 2020

												Incorporated By Reference
Exhibit No.						Description						Form						File Number						Exhibit						Filing Date						Filed or Furnished Herewith
4.16						Deposit Agreement, dated January 15, 2020, among MetLife, Inc., Computershare Inc. and Computershare Trust Company, N.A., collectively, as depositary, and the holders from time to time of the depositary receipts described therein.						8-K						001-15787						4.1						January 15, 2020
4.17						Form of Depositary Receipt, Depositary Shares each representing a 1/1,000th interest in a share of 4.75% Non-Cumulative Preferred Stock, Series F, of MetLife, Inc.						8-K						001-15787						4.3						January 15, 2020
4.18						Description of Securities.																														X
						Certain instruments defining the rights of holders of long-term debt of MetLife, Inc. and its consolidated subsidiaries are omitted pursuant to Item 601(b)(4)(iii) of Regulation S-K. MetLife, Inc. hereby agrees to furnish to the Securities and Exchange Commission, upon request, copies of such instruments.
10.1.1						MetLife Policyholder Trust Agreement.						S-1						333-91517						10.12						November 23, 1999
10.1.2						Amendment to MetLife Policyholder Trust Agreement.						10-K						001-15787						10.62						February 27, 2013
10.2						Amended and Restated Credit Agreement, dated as of February 26, 2021, amending and restating the Five-Year Credit Agreement, dated as of August 4, 2017, among MetLife, Inc. and MetLife Funding, Inc., as borrowers, and the other parties signatory thereto.						8-K						001-15787						10.1						March 2, 2021
10.3						Purchase Agreement by and among MetLife, Inc. and Massachusetts Mutual Life Insurance Company, dated as of February 28, 2016.						10-Q						001-15787						10.1						May 6, 2016
10.4						Tax Separation Agreement, dated as of July 27, 2017, by and among MetLife, Inc. and its affiliates and Brighthouse Financial, Inc. and its affiliates.						8-K						001-15787						10.1						August 7, 2017
10.5						MetLife, Inc. 2015 Non-Management Director Stock Compensation Plan, effective January 1, 2015.*						S-8						333-198141						4.1						August 14, 2014
10.6.1						MetLife Non-Management Director Deferred Compensation Plan (as amended and restated, effective January 1, 2005, implemented November 2012).*						S-8						333-214710						4.1						November 18, 2016
10.6.2						Amendment to MetLife Non-Management Director Deferred Compensation Plan (as amended and restated, effective January 1, 2005, implemented November 2020).*						10-K						001-15787						10.6.2						February 19, 2021
10.7						MetLife, Inc. Director Indemnity Plan (dated and effective July 22, 2008).*						10-K						001-15787						10.94						February 27, 2014
10.8.1						Form of Agreement to Protect Corporate Property executed by Michel Khalaf, effective April 9, 2012.*						10-K						001-15787						10.15						February 25, 2016
10.8.2						Form of Agreement to Protect Corporate Property executed by Ricardo A. Anzaldua, John C. R. Hele, Frans Hijkoop, and Esther Lee on May 25, 2016; Steven A. Kandarian on May 31, 2016; Steven J. Goulart on June 2, 2016; Maria M. Morris on June 8, 2016; Martin J. Lippert on July 6, 2016; Susan Podlogar, effective July 10, 2017; and Ramy Tadros, effective September 11, 2017.*						10-Q						001-15787						10.1						August 5, 2016
10.9						MetLife Executive Severance Plan (as amended and restated, effective June 14, 2010).*						10-K						001-15787						10.1						February 27, 2015
10.10						MetLife Performance-Based Compensation Recoupment Policy (effective as amended and restated November 1, 2017).*						8-K						001-15787						10.1						November 6, 2017
10.11.1						MetLife, Inc. 2015 Stock and Incentive Compensation Plan, effective January 1, 2015 (the “2015 SIC Plan”).*						S-8						333-198145						4.1						August 14, 2014
10.11.2						MetLife, Inc. 2005 Stock and Incentive Compensation Plan, effective April 15, 2005 (the “2005 SIC Plan”).*						10-K						001-15787						10.24						February 27, 2015
10.12						MetLife Annual Variable Incentive Plan (effective as amended and restated January 1, 2015).*						8-K						001-15787						10.11						December 11, 2014

												Incorporated By Reference
Exhibit No.						Description						Form						File Number						Exhibit						Filing Date						Filed or Furnished Herewith
10.13.1						MetLife International Unit Option Incentive Plan (as amended and restated December 3, 2012).*						8-K						001-15787						10.11						February 15, 2013
10.13.2						MetLife International Unit Option Incentive Plan, dated July 21, 2011 (as amended and restated effective February 23, 2011).*						10-K						001-15787						10.24						March 1, 2017
10.14.1						Form of Stock Option Agreement under the 2005 SIC Plan effective February 11, 2013.*						8-K						001-15787						10.9						February 15, 2013
10.14.2						Form of Stock Option Agreement (Three-Year “Cliff” Exercisability) under the 2005 SIC Plan effective February 11, 2013.*						8-K						001-15787						10.10						February 15, 2013
10.14.3						Form of Management Stock Option Agreement under the 2005 SIC Plan effective as of April 25, 2007.*						10-K						001-15787						10.24						February 27, 2013
10.14.4						Amendment to Stock Option Agreements under the 2005 SIC Plan effective as of April 25, 2007.*						10-K						001-15787						10.25						February 27, 2013
10.14.5						Form of Stock Option Agreement (Ratable Exercisability in Thirds) under the 2015 SIC Plan, effective January 1, 2015 *						8-K						001-15787						10.7						December 11, 2014
10.14.6						Form of Stock Option Agreement (Three-Year “Cliff” Exercisability) under the 2015 SIC Plan, effective January 1, 2015 *						8-K						001-15787						10.8						December 11, 2014
10.14.7						Form of Management Stock Option Agreement under the 2005 SIC Plan effective December 15, 2009.*						10-K						001-15787						10.28						February 27, 2015
10.14.8						Form of Stock Option Agreement (Ratable Exercisability in Thirds) under the 2015 SIC Plan, effective January 1, 2016.*						10-K						001-15787						10.101						February 25, 2016
10.14.9						Form of Stock Option Agreement (Three-Year “Cliff” Exercisability) under the 2015 SIC Plan, effective January 1, 2016.*						10-K						001-15787						10.102						February 25, 2016
10.15.1						Form of Unit Option Agreement under the MetLife International Unit Option Incentive Plan effective February 11, 2013.*						8-K						001-15787						10.12						February 15, 2013
10.15.2						Form of Unit Option Agreement (Three-Year “Cliff” Exercisability) under the MetLife International Unit Option Incentive Plan, effective February 11, 2013.*						8-K						001-15787						10.13						February 15, 2013
10.15.3						Form of Unit Option Agreement (Ratable Exercisability in Thirds) under the 2015 SIC Plan, effective January 1, 2015.*						8-K						001-15787						10.9						December 11, 2014
10.15.4						Form of Unit Option Agreement (Three-Year “Cliff” Exercisability) under the 2015 SIC Plan, effective January 1, 2015.*						8-K						001-15787						10.10						December 11, 2014
10.15.5						Form of Unit Option Agreement (Ratable Exercisability in Thirds) under the 2015 SIC Plan, effective January 1, 2016.*						10-K						001-15787						10.103						February 25, 2016
10.15.6						Form of Unit Option Agreement (Three-Year “Cliff” Exercisability) under the 2015 SIC Plan, effective January 1, 2016.*						10-K						001-15787						10.104						February 25, 2016
10.15.7						Form of Unit Option Agreement under the MetLife International Unit Option Incentive Plan effective February 23, 2011.*						10-K						001-15787						10.25						March 1, 2017
10.16.1						Form of Restricted Stock Unit Agreement (Ratable Period of Restriction Ends in Thirds; Code Section 162(m) Goals) under the 2015 SIC Plan, effective January 1, 2016.*						10-K						001-15787						10.97						February 25, 2016
10.16.2						Form of Restricted Stock Unit Agreement (Three-Year “Cliff” Period of Restriction; No Code Section 162(m) Goals) under the 2015 SIC Plan, effective January 1, 2016.*						10-K						001-15787						10.98						February 25, 2016
10.16.3						Form of Restricted Stock Unit Agreement (Ratable Period of Restriction Ends in Thirds) under the 2015 SIC Plan, effective February 27, 2018.*						8-K						001-15787						10.3						February 20, 2018

												Incorporated By Reference
Exhibit No.						Description						Form						File Number						Exhibit						Filing Date						Filed or Furnished Herewith
10.16.4						Form of Restricted Stock Unit Agreement (Three-Year “Cliff” Period of Restriction) under the 2015 SIC Plan, effective February 27, 2018.*						8-K						001-15787						10.4						February 20, 2018
10.17.1						Form of Restricted Unit Agreement (Ratable Period of Restriction Ends in Thirds; Code Section 162(m) Goals) under the 2015 SIC Plan, effective January 1, 2016.*						10-K						001-15787						10.99						February 25, 2016
10.17.2						Form of Restricted Unit Agreement (Three-Year “Cliff” Period of Restriction; No Code Section 162(m) Goals) under the 2015 SIC Plan, effective January 1, 2016.*						10-K						001-15787						10.100						February 25, 2016
10.17.3						Form of Restricted Unit Agreement (Ratable Period of Restriction Ends in Thirds) under the 2015 SIC Plan, effective February 27, 2018.*						8-K						001-15787						10.5						February 20, 2018
10.17.4						Form of Restricted Unit Agreement (Three-Year “Cliff” Period of Restriction) under the 2015 SIC Plan, effective February 27, 2018.*						8-K						001-15787						10.6						February 20, 2018
10.18.1						Form of Performance Share Agreement under the 2015 SIC Plan, effective January 1, 2016.*						10-K						001-15787						10.95						February 25, 2016
10.18.2						Form of Performance Share Agreement under the 2015 SIC Plan, effective February 27, 2018.*						8-K						001-15787						10.1						February 20, 2018
10.18.3						Form of Performance Share Agreement under the 2015 SIC Plan, effective January 1, 2019. *						8-K						001-15787						10.1						December 13, 2018
10.18.4						Form of Performance Share Agreement under the 2015 SIC Plan, effective December 10, 2019.*						10-K						001-15787						10.18.5						February 21, 2020
10.18.5						Form of Performance Share Agreement under the 2015 SIC Plan, effective February 23, 2021.*						10-K						001-15787						10.18.5						February 19, 2021
10.18.6						Form of Performance Share Agreement under the 2015 SIC Plan, effective February 28, 2023.*																														X
10.19.1						Form of Performance Unit Agreement under the 2015 SIC Plan, effective January 1, 2016.*						10-K						001-15787						10.96						February 25, 2016
10.19.2						Form of Performance Unit Agreement under the 2015 SIC Plan, effective February 27, 2018.*						8-K						001-15787						10.2						February 20, 2018
10.19.3						Form of Performance Unit Agreement under the 2015 SIC Plan, effective January 1, 2019. *						8-K						001-15787						10.2						December 13, 2018
10.19.4						Form of Performance Unit Agreement under the 2015 SIC Plan, effective December 10, 2019.*						10-K						001-15787						10.19.5						February 21, 2020
10.19.5						Form of Performance Unit Agreement under the 2015 SIC Plan, effective February 23, 2021.*						10-K						001-15787						10.19.5						February 19, 2021
10.19.6						Form of Performance Unit Agreement under the 2015 SIC Plan, effective February 28, 2023.*																														X
10.20.1						Award Agreement Supplement, effective January 1, 2016.*						10-K						001-15787						10.105						February 25, 2016
10.20.2						Award Agreement Supplement, effective February 27, 2018.*						8-K						001-15787						10.7						February 20, 2018
10.20.3						Award Agreement Supplement, effective February 23, 2021.*						10-K						001-15787						10.20.3						February 19, 2021
10.21.1						MetLife Auxiliary Pension Plan, dated August 7, 2006 (as amended and restated, effective June 30, 2006).*						10-K						001-15787						10.60						March 1, 2017
10.21.2						MetLife Auxiliary Pension Plan, dated December 21, 2006 (amending and restating Part I thereof, effective January 1, 2007).*						10-K						001-15787						10.61						March 1, 2017
10.21.3						MetLife Auxiliary Pension Plan, dated December 21, 2007 (amending and restating Part I thereof, effective January 1, 2008).*						10-K						001-15787						10.95						February 27, 2013
10.21.4						Amendment #1 to the MetLife Auxiliary Pension Plan (as amended and restated, effective January 1, 2008), dated October 24, 2008 (effective October 1, 2008).*						10-K						001-15787						10.98						February 27, 2014

												Incorporated By Reference
Exhibit No.						Description						Form						File Number						Exhibit						Filing Date						Filed or Furnished Herewith
10.21.5						Amendment Number Two to the MetLife Auxiliary Pension Plan (as amended and restated, effective January 1, 2008), dated December 12, 2008 (effective December 31, 2008).*						10-K						001-15787						10.99						February 27, 2014
10.21.6						Amendment Number Three to the MetLife Auxiliary Pension Plan (as amended and restated, effective January 1, 2008) dated March 25, 2009 (effective January 1, 2009).*						10-K						001-15787						10.71						February 25, 2016
10.21.7						Amendment Number Four to the MetLife Auxiliary Pension Plan (as amended and restated, effective January 1, 2008), dated December 16, 2009 (effective January 1, 2010).*						10-K						001-15787						10.102						February 27, 2015
10.21.8						Amendment Number Five to the MetLife Auxiliary Pension Plan (as amended and restated, effective January 1, 2008), dated December 21, 2010 (effective January 1, 2010).*						10-K						001-15787						10.73						February 25, 2016
10.21.9						Amendment Number Six to the MetLife Auxiliary Pension Plan (as amended and restated, effective January 1, 2008), dated December 20, 2012 (effective January 1, 2012).*						10-K						001-15787						10.101						February 27, 2013
10.21.10						Amendment Number Seven to the MetLife Auxiliary Pension Plan (as amended and restated, effective January 1, 2008), dated December 27, 2013 (effective December 10, 2013).*						10-K						001-15787						10.69						March 1, 2017
10.21.11						Amendment Number 6 to the MetLife Auxiliary Pension Plan (as amended and restated, effective January 1, 2008), dated March 5, 2018 (effective March 15, 2018).*						10-Q						001-15787						10.9						May 8, 2018
10.21.12						Amendment Number 8 to the MetLife Auxiliary Retirement Plan (as amended and restated, effective January 1, 2008, formerly referred to as the “MetLife Auxiliary Pension Plan” until March 15, 2018), dated September 4, 2018 (effective March 15, 2018).*						10-Q						001-15787						10.2						November 8, 2018
10.21.13						Amendment Number Nine to the MetLife Auxiliary Retirement Plan (as amended and restated, effective January 1, 2008), dated September 26, 2018 (effective January 1, 2023).*						10-Q						001-15787						10.3						November 8, 2018
10.21.14						Amendment Number Ten to the MetLife Auxiliary Retirement Plan (as amended and restated, effective January 1, 2008), dated November 6, 2019 (effective November 1, 2019).*						10-K						001-15787						10.21.14						February 18, 2022
10.21.15						Amendment Number 11 to the MetLife Auxiliary Retirement Plan (as amended and restated, effective January 1, 2008), dated April 7, 2021 (effective April 7, 2021).*						10-K						001-15787						10.21.15						February 18, 2022
10.22.1						Alico Overseas Pension Plan, dated January 2009.*						10-K						001-15787						10.70						March 1, 2017
10.22.2						Amendment Number One to the Alico Overseas Pension Plan (effective November 1, 2010), dated December 20, 2010.*						10-K						001-15787						10.71						March 1, 2017
10.22.3						Amendment Number Two to the Alico Overseas Pension Plan (effective as of November 1, 2011), dated December 13, 2011.*						10-K						001-15787						10.72						March 1, 2017
10.22.4						Amendment Number Three to the Alico Overseas Pension Plan, dated May 1, 2012 (effective January 1, 2012).*						8-K						001-15787						10.1						May 4, 2012
10.22.5						Amendment Number Four to the Alico Overseas Pension Plan, dated June 19, 2017, effective July 1, 2017.*						10-Q						001-15787						10.6						November 6, 2017
10.23						MetLife Deferred Compensation Plan For Globally Mobile Employees, effective July 31, 2014, for which Michel Khalaf became eligible July 1, 2017.*						10-Q						001-15787						10.4						November 6, 2017
10.24.1						Metropolitan Life Auxiliary Savings and Investment Plan (Amended and Restated Effective January 1, 2008), dated December 20, 2007 (effective January 1, 2008).*						10-K						001-15787						10.72						February 27, 2013
10.24.2						Amendment 1 to the Metropolitan Life Auxiliary Savings and Investment Plan (Amended and Restated, Effective January 1, 2008), dated December 9, 2008 (effective January 1, 2008).*						10-K						001-15787						10.74						February 27, 2015

												Incorporated By Reference
Exhibit No.						Description						Form						File Number						Exhibit						Filing Date						Filed or Furnished Herewith
10.24.3						Amendment Number 2 to the Metropolitan Life Auxiliary Savings and Investment Plan (Amended and Restated Effective January 1, 2008), dated December 21, 2010 (effective January 1, 2010).*						10-K						001-15787						10.48						February 25, 2016
10.24.4						Amendment Number 3 to the Metropolitan Life Auxiliary Savings and Investment Plan (Amended and Restated Effective January 1, 2008), dated December 19, 2012 (effective January 1, 2012 and January 1, 2013).*						10-K						001-15787						10.75						February 27, 2013
10.24.5						Amendment Number 4 to the Metropolitan Life Auxiliary Savings and Investment Plan (Amended and Restated Effective January 1, 2008), dated December 17, 2013 (effective July 1, 2013 and January 1, 2014).*						10-K						001-15787						10.77						February 27, 2014
10.24.6						Amendment Number 5 to the Metropolitan Life Auxiliary Savings and Investment Plan (Amended and Restated Effective January 1, 2008), dated March 5, 2018 (effective March 15, 2018).*						10-Q						001-15787						10.8						May 8, 2018
10.24.7						Amendment Number 6 to the MetLife Auxiliary Match Plan (Amended and Restated Effective January 1, 2008, formerly referred to as the “Metropolitan Life Auxiliary Savings and Investment Plan” until March 15, 2018), dated December 23, 2020 (effective January 1, 2020).*						10-K						001-15787						10.24.7						February 18, 2022
10.24.8						Amendment Number 7 to the MetLife Auxiliary Match Plan (Amended and Restated Effective January 1, 2008), dated April 7, 2021 (effective April 7, 2021).*						10-K						001-15787						10.24.8						February 18, 2022
10.25.1						MetLife Deferred Compensation Plan for Officers, as amended and restated, effective November 1, 2003.*						10-K						001-15787						10.78						February 27, 2014
10.25.2						Amendment Number One to the MetLife Deferred Compensation Plan for Officers (as amended and restated as of November 1, 2003), dated May 4, 2005.*						10-K						001-15787						10.52						February 25, 2016
10.25.3						Amendment Number Two to the MetLife Deferred Compensation Plan for Officers (as amended and restated as of November 1, 2003, effective December 14, 2005).*						10-K						001-15787						10.53						February 25, 2016
10.25.4						Amendment Number Three to the MetLife Deferred Compensation Plan for Officers (as amended and restated as of November 1, 2003, effective February 26, 2007).*						10-K						001-15787						10.45						March 1, 2017
10.26.1						MetLife Leadership Deferred Compensation Plan, dated November 2, 2006 (as amended and restated, effective with respect to salary and cash incentive compensation, January 1, 2005, and with respect to stock compensation, April 15, 2005).*						10-K						001-15787						10.46						March 1, 2017
10.26.2						Amendment Number One to the MetLife Leadership Deferred Compensation Plan, dated December 13, 2007 (effective as of December 31, 2007).*						10-K						001-15787						10.81						February 27, 2013
10.26.3						Amendment Number Two to the MetLife Leadership Deferred Compensation Plan, dated December 11, 2008 (effective December 31, 2008).*						10-K						001-15787						10.84						February 27, 2014
10.26.4						Amendment Number Three to the MetLife Leadership Deferred Compensation Plan, dated December 11, 2009 (effective January 1, 2010).*						10-K						001-15787						10.85						February 27, 2015
10.26.5						Amendment Number Four to the MetLife Leadership Deferred Compensation Plan, dated December 11, 2009 (effective December 31, 2009).*						10-K						001-15787						10.86						February 27, 2015
10.26.6						Amendment Number Five to the MetLife Leadership Deferred Compensation Plan, dated December 16, 2010 (effective January 1, 2011).*						10-K						001-15787						10.60						February 25, 2016
10.26.7						Amendment Number Six to the MetLife Leadership Deferred Compensation Plan, dated December 27, 2011 (effective January 1, 2011).*						10-K						001-15787						10.52						March 1, 2017
10.26.8						Amendment Number Seven to the MetLife Leadership Deferred Compensation Plan, dated December 26, 2012 (effective January 1, 2013).*						10-K						001-15787						10.53						March 1, 2017

												Incorporated By Reference
Exhibit No.						Description						Form						File Number						Exhibit						Filing Date						Filed or Furnished Herewith
10.26.9						Amendment Number Eight to the MetLife Leadership Deferred Compensation Plan, dated December 17, 2013 (effective January 1, 2014).*						10-K						001-15787						10.54						March 1, 2017
10.26.10						Amendment Number Nine to the MetLife Leadership Deferred Compensation Plan, dated December 30, 2014 (effective January 1, 2015).*						10-K						001-15787						10.88						February 27, 2015
10.26.11						Amendment Number Ten to the MetLife Leadership Deferred Compensation Plan, dated September 30, 2016 (effective October 1, 2016).*						10-K						001-15787						10.56						March 1, 2017
10.26.12						Amendment Number Eleven to the MetLife Leadership Deferred Compensation Plan, dated September 30, 2016 (effective October 1, 2016).*						10-K						001-15787						10.57						March 1, 2017
10.26.13						Amendment Number Twelve to the MetLife Leadership Deferred Compensation Plan, dated December 19, 2017 (effective January 1, 2017 and April 1, 2017).*						10-K						001-15787						10.29.13						February 22, 2019
10.26.14						Amendment Number Thirteen to the MetLife Leadership Deferred Compensation Plan, dated December 4, 2018 (effective January 1, 2019).*						10-K						001-15787						10.26.14						February 22, 2019
10.26.15						Amendment Number Fourteen to the MetLife Leadership Deferred Compensation Plan, dated April 7, 2021 (effective April 7, 2021).*						10-K						001-15787						10.26.15						February 18, 2022
10.27.1						MetLife Plan for Transition Assistance for Officers, dated April 21, 2014 (as amended and restated, effective April 1, 2014 (the “MPTA”)).*						10-Q						001-15787						10.2						August 8, 2014
10.27.2						Amendment Number One to the MPTA, dated December 30, 2014 (effective January 1, 2015).*						10-K						001-15787						10.111						February 27, 2015
10.27.3						Amendment Number Two to the MPTA, dated March 30, 2016 (effective April 1, 2016).*						10-K						001-15787						10.77						March 1, 2017
10.27.4						Amendment Number Three to the MPTA, dated June 30, 2016 (effective June 30, 2016).*						10-K						001-15787						10.78						March 1, 2017
10.27.5						Amendment Number Four to the MPTA, dated October 24, 2016 (effective October 31, 2016).*						10-K						001-15787						10.79						March 1, 2017
10.27.6						Amendment Number Five to the MPTA, dated November 3, 2016 (effective October 1, 2016).*						10-K						001-15787						10.80						March 1, 2017
10.27.7						Amendment Number Six to the MPTA, dated July 20, 2017 (effective July 1, 2017).*						10-K						001-15787						10.31.7						February 22, 2019
10.27.8						Amendment Number Seven to the MPTA, dated May 1, 2018 (effective May 1, 2018).*						10-K						001-15787						10.31.8						February 22, 2019
10.27.9						Amendment Number Eight to the MPTA, dated September 6, 2018 (effective October 1, 2018).*						10-K						001-15787						10.31.9						February 22, 2019
10.27.10						Amendment Number Nine to the MPTA, dated November 15, 2018 (effective October 15, 2018).*						10-K						001-15787						10.31.10						February 22, 2019
10.27.11						Amendment Number Ten to the MPTA, dated November 15, 2018 (effective October 15, 2018).*						10-K						001-15787						10.31.11						February 22, 2019
10.27.12						Amendment Number Ten to the MPTA, dated December 23, 2020 (effective January 1, 2021).*						10-K						001-15787						10.27.12						February 18, 2022
10.27.13						Amendment Number Eleven to the MPTA, dated March 3, 2021 (effective March 1, 2021).*						10-K						001-15787						10.27.13						February 18, 2022
10.27.14						Amendment Number Twelve to the MPTA, dated April 7, 2021 (effective March 1, 2021 and April 7, 2021).*						10-K						001-15787						10.27.14						February 18, 2022
10.27.15						Amendment Number Thirteen to the MPTA, dated April 30, 2021 (effective April 12, 2021).*						10-K						001-15787						10.27.15						February 18, 2022
10.28.1						Adjustment of certain compensation terms for Michel Khalaf, effective July 1, 2012.*						10-Q						001-15787						10.2						November 7, 2012

												Incorporated By Reference
Exhibit No.						Description						Form						File Number						Exhibit						Filing Date						Filed or Furnished Herewith
10.28.2						Tax Equalization Agreement dated June 10, 2015 between MetLife, Inc. and Michel Khalaf.*						10-Q						001-15787						10.1						August 6, 2015
10.28.3						Offer Letter, dated March 25, 2009, between American Life Insurance Company and Michel Khalaf.*						10-K						001-15787						10.2						March 1, 2017
10.28.4						Letter of Understanding, dated June 15, 2017, effective July 1, 2017, with Michel Khalaf.*						10-Q						001-15787						10.3						November 6, 2017
10.28.5						MetLife, Inc. and Metropolitan Life Insurance Company Compensation Committee and Board of Directors Resolutions of June 13, 2017 approving Michel Khalaf’s eligibility to participate in the MetLife Deferred Compensation Plan For Globally Mobile Employees.*						10-Q						001-15787						10.5						November 6, 2017
10.28.6						Amendment Number 1 to Letter of Understanding, Dated February 26, 2019, Effective February 27, 2019, with Michel Khalaf *						8-K						001-15787						10.1						March 5, 2019
10.28.7						Confirmation of End of Employment and Waiver and Release of Claims, Effective March 4, 2019, with Michel Khalaf *						8-K						001-15787						10.2						March 5, 2019
10.29						Sign-on Payments Letter, dated May 24, 2017, effective July 10, 2017, between MetLife Group, Inc. and Susan Podlogar.*						10-Q						001-15787						10.1						November 6, 2017
10.30						Sign-on Payments Letter, dated June 14, 2017, effective September 11, 2017, between MetLife Group, Inc. and Ramy Tadros.*						10-Q						001-15787						10.2						November 6, 2017
10.31						Letter Agreement entered May 4, 2018 between MetLife, Inc. and John McCallion.*						8-K						001-15787						10.1						May 7, 2018
10.32.1						Letter of Understanding, dated August 23, 2018, effective September 1, 2018, with Kishore Ponnavolu.*						10-Q						001-15787						10.1						November 8, 2018
10.32.2						Description of Agreement between Kishore Ponnavolu and MetLife, Inc. dated April 23, 2019.*						10-Q						001-15787						10.1						November 5, 2019
10.33						Sign-on Payments Letter, dated August 14, 2019, effective November 19, 2019, between MetLife Group, Inc. and Bill Pappas.*						10-K						001-15787						10.35						February 21, 2020
21.1						Subsidiaries of the Registrant.																														X
23.1						Consent of Deloitte & Touche LLP.																														X
31.1						Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.																														X
31.2						Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.																														X
32.1						Certification of Chief Executive Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.																														X
32.2						Certification of Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.																														X
101.SCH						Inline XBRL Taxonomy Extension Schema Document.																														X
101.CAL						Inline XBRL Taxonomy Extension Calculation Linkbase Document.																														X
101.DEF						Inline XBRL Taxonomy Extension Definition Linkbase Document.																														X
101.LAB						Inline XBRL Taxonomy Extension Label Linkbase Document.																														X
101.PRE						Inline XBRL Taxonomy Extension Presentation Linkbase Document.																														X
101.INS						XBRL Instance Document - the instance document does not appear in the Interactive Data file because its XBRL tags are embedded within the Inline XBRL document.																														X

												Incorporated By Reference
Exhibit No.						Description						Form						File Number						Exhibit						Filing Date						Filed or Furnished Herewith
104						Cover Page Interactive Data File (embedded within the Inline XBRL document and included in Exhibit 101).																														X

---

• Indicates management contracts or compensatory plans or arrangements.

Signatures

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

February 23, 2023

METLIFE, INC.
By						/s/ Michel A. Khalaf
						Name: Michel A. Khalaf
						Title: President and Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

Signature						Title						Date
/s/ Cheryl W. Grisé						Director						February 23, 2023
Cheryl W. Grisé
/s/ Carlos M. Gutierrez						Director						February 23, 2023
Carlos M. Gutierrez
/s/ Carla A. Harris						Director						February 23, 2023
Carla A. Harris
/s/ Gerald L. Hassell						Director						February 23, 2023
Gerald L. Hassell
/s/ David L. Herzog						Director						February 23, 2023
David L. Herzog
/s/ R. Glenn Hubbard						Chairman of the Board						February 23, 2023
R. Glenn Hubbard
/s/ Edward J. Kelly, III						Director						February 23, 2023
Edward J. Kelly, III
/s/ William E. Kennard						Director						February 23, 2023
William E. Kennard
/s/ Catherine R. Kinney						Director						February 23, 2023
Catherine R. Kinney
/s/ Diana L. McKenzie						Director						February 23, 2023
Diana L. McKenzie
/s/ Denise M. Morrison						Director						February 23, 2023
Denise M. Morrison
/s/ Mark A. Weinberger						Director						February 23, 2023
Mark A. Weinberger

Signature						Title						Date
/s/ Michel A. Khalaf						President, Chief Executive Officer and Director (Principal Executive Officer)
Michel A. Khalaf									February 23, 2023
/s/ John D. McCallion						Executive Vice President and Chief Financial Officer (Principal Financial Officer)
John D. McCallion									February 23, 2023
/s/ Tamara L. Schock						Executive Vice President and Chief Accounting Officer (Principal Accounting Officer)
Tamara L. Schock									February 23, 2023