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MetLife Completes $10 Billion Variable Annuity Risk Transfer Transaction

MetLife, Inc. (MET) | December 1, 2025

By Noah Edwards

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MetLife announced the completion of a $10 billion variable annuity risk transfer transaction with Talcott Resolution Life Insurance Company.

The transaction is expected to result in an annual foregone adjusted earnings of approximately $100 million partially offset by annual hedge cost savings of around $45 million.

This move aims to reduce portfolio risk, expedite the run-off of MetLife's legacy blocks of business, and showcases MetLife's strategic risk transfer approach within MetLife Holdings.

Significant Transaction Completion

MetLife finalizes a major $10 billion variable annuity risk transfer deal with Talcott Resolution Life Insurance Company.

Earnings Impact

Anticipated foregone annual adjusted earnings of about $100 million, partially mitigated by expected annual hedge cost savings of approximately $45 million.

Portfolio Risk Reduction

The transaction is strategically designed to lower portfolio risk and accelerate the wind-down of MetLife's legacy business blocks.

  • The completion of this $10 billion variable annuity risk transfer transaction signifies a significant move by MetLife to manage its portfolio risks effectively and focus on its core operations.
  • The deal also underlines MetLife's commitment to proactively address legacy business challenges and optimize its financial performance through structured risk transfer initiatives.

MetLife's successful execution of the $10 billion variable annuity risk transfer deal with Talcott demonstrates a proactive risk management approach and commitment to enhancing operational efficiency and financial performance.