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 the Private Securities Litigation Reform Act of 1995. Forward-looking statements give expectations or forecasts of future events. These statements can be identified by the fact that theyevents and do not relate strictly to historical or current facts. They use words and terms such as “accelerate,” “achieve,” “anticipate,” “assume,” “become,” “believe,” “can,” “committed to,” “continue,” “could,” “create,” “emerging,” “estimate,” “evolve,” “expect,” “forecast,” “future,” “if,” “intend,” “likely,” “may,” “next,“permit,” “plan,” “possible,” “potential,” “probable,” “project,” “propose,” “prospect,” “remain,” “renew,” “risk,” “scheduled,“should,” “target,” “ultimate,” “upcoming,” “vary,“unlikely,” “well positioned,” “when,” “will,” “would” and other words and terms of similar meaning in each of their forms of speech, or that are otherwise tied to future periods or future performance, in connection with a discussion of future performance. In particular, theseeach case in all derivative forms. They include statements relating to future actions, prospective services or products, future performance or results of current and anticipated services or products, future sales efforts, future expenses, the outcome of contingencies such as legal proceedings, and future trends in operations and financial results.

Many factors will be important in determining thedetermine Company results, of MetLife, Inc., its subsidiaries and affiliates. Forward-lookingthey involve unpredictable risks and uncertainties. Our forward-looking statements are baseddepend on our assumptions, our expectations, and current expectations, whichour understanding of the economic environment, but they may be inaccurate and on the current economic environment, which may change. These statements areWe do not guarantees ofguarantee any future performance. They involve a number of risks and uncertainties that are difficult to predict. ResultsOur results could differ materially from those expressedwe express or impliedimply in the forward-looking statements. Risks, uncertainties, and other factors that might cause such differences include theThe risks, uncertainties and other factors identified in MetLife, Inc.’s filings with the U.S. Securities and Exchange Commission.Commission, and others, may cause such differences. These factors include:

(1) the course of the COVID-19 pandemic, and responses to it, which may also precipitate or exacerbate the remaining risks; (2) difficult economic conditions,condition difficulties, including risks relating to public health, interest rates, credit spreads, equity, real estate, obligors and counterparties, currency exchange rates, derivatives, and terrorism and security; (3) adverse

(2) global capital and credit market conditions, which may affect our ability to meet liquidity needs and access capital, including throughadversity;

(3) credit facilities; facility inaccessibility;

(4) downgrades in our claims paying ability, financial strength or credit ratings; ratings downgrades;

(5) availability and effectiveness of reinsurance, hedgingunavailability, unaffordability, or indemnification arrangements; inadequate reinsurance;

(6) increasing cost and limited market capacity for statutory life insurance reserve financings; (7) the impact on us of changes to and implementation of the wide variety of laws and regulations to which we are subject; (8) regulatory, legislativefinancing costs or tax changes relating to our operations that may affect the cost of, or demand for, our products or services; (9) adverse results or other consequences from litigation, arbitration or regulatory investigations; (10)limited market capacity;

(7) legal, regulatory, and other restrictions affectingsupervisory and enforcement policy changes;

(12) MetLife, Inc.’s abilityinability to pay dividends and repurchase common stock; (11)

(13) MetLife, Inc.’s primary reliance, as a holding company, on dividends from subsidiaries to meet free cash flow targets and debt payment obligations and the applicable regulatory restrictions on the ability of the subsidiariessubsidiaries’ inability to pay suchit dividends; (12)

(14) investment losses, defaults, anddowngrades, or volatility; (13) potential liquidity and other risks resulting from our participation in a securities

(15) investment sales or lending program and other transactions; (14) changes to securities anddifficulties;

(17) investment valuations, allowances, andor impairments taken on investments, and methodologies,changes;

(18) claims or other results that differ from our estimates, and assumptions; (15) differences between actual claims experience and underwriting and reserving assumptions; (16)assumptions, or models;

(19) global political, legal, or operational economic and other risks relatingrisks;

(23) climate changes or responses to it;

(24) deficiencies in our global operations; (17) competitive pressures, including with respect to pricing, entry of new competitors, consolidation of distributors, the development of new products by new and existing competitors, and for personnel; (18) the impact of technological changes on our businesses; (19) catastrophe losses; (20) a deterioration in the experience of the closed block established in connection with the reorganization of Metropolitan Life Insurance Company; (21) impairment ofblock;

(25) goodwill or other long-lived assets,asset impairment, or the establishment of a valuation allowance against our deferred income tax asset; (22) changes in assumptions related toasset allowance;

(26) acceleration of amortization of deferred policy acquisition costs, deferred sales inducements, value of business acquired, or value of businesscustomer relationships acquired; (23) exposure to losses related to guarantees in certain products; (24) ineffectiveness of

(28) risk management policies and procedures or models; (25) a failure in cybersecurity systemsfailures;

(30) confidential information protection or other information security systemscybersecurity or disaster recovery plans; (26) any failure to protect the confidentiality of client information; (27) changes infailures;

(31) accounting standards; (28) associates takingstandards changes;

(32) excessive risks; (29) difficulties in or complications fromrisk-taking;

(33) marketing and distributing products through our distribution channels; (30) increased expenses relating todifficulties;

(34) pension and other postretirement benefit plans; (31)assumption changes;

(35) inability to protect our intellectual property rights or claims ofavoid infringement of others’ intellectual property rights; (32) difficulties, unforeseen liabilities, asset impairments,claims;

(36) acquisition, integration, growth, disposition, or rating agency actions arising from business acquisitions and dispositions, joint ventures, or other legal entity reorganizations; (33) unanticipated or adverse developments that could harm our expected operational or other benefits from thereorganization difficulties;

(37) Brighthouse separation of Brighthouse Financial, Inc. and its subsidiaries; (34) the possibility thatrisks;

(38) MetLife, Inc.’s Board of Directors may influence over the outcome of stockholder votes through the voting provisions of the MetLife Policyholder Trust; (35) provisions of laws and our incorporation documents that may delay, deter or prevent takeovers

(39) legal- and corporate combinations involving MetLife; and (36) other risks and uncertainties described from time to time in MetLife, Inc.’s filings with the U.S. Securities and Exchange Commission.governance-related effects on business combinations.

MetLife, Inc. doesThe Company will not undertake any obligation to publicly correct or update any forward-looking statementstatements if MetLife, Inc. later becomes aware that such statement iswe believe we are not likely to be achieved.achieve them or for any other reasons. Please consult any further disclosures MetLife, Inc. makes on related subjects in subsequent reports to the U.S. Securities and Exchange Commission.

Corporate Information

We announce financial and other information about MetLife to our investors on our website (www.metlife.com) through the MetLife Investor Relations web page (https://investor.metlife.com), as well as in U.S. Securities and Exchange Commission filings, news releases, public conference calls and webcasts. MetLife encourages investors to visit the Investor Relations web page from time to time, as information is updated and new information is posted. The information found on our website is not incorporated by reference into this Quarterly Report on Form 10-Q or in any other report or document we file with the U.S. Securities and Exchange Commission, and any references to our website are intended to be inactive textual references only.

Note Regarding Reliance on Statements in Our Contracts

See “Exhibits — Note Regarding Reliance on Statements in Our Contracts” for information regarding agreements included as exhibits to this Quarterly Report on Form 10-Q.