Innovative Solutions for Evolving Needs

The world’s population is growing, aging and increasingly urbanized. These shifts are driving demand for retirement, health and protection solutions. MetLife is well-positioned to help meet this demand with products that promote greater financial inclusion, health and security. MetLife develops holistic products, services and solutions that bring protection, health, wellness and financial confidence together. By combining insights, innovation and human empathy, we continue to evolve our offerings to meet customers’ needs and support them through life’s most important moments.

Products That Drive Financial Wellness and Inclusion

Improving access to insurance, employee benefits and retirement solutions can strengthen financial wellness and security, supporting people’s capacity to plan for the future.

• Small businesses are the backbone of Asia’s economies, but their needs are becoming more complex. To support business owners at every stage of growth, we launched MetLife 360Business in Korea and India.¹ The solution combines healthcare coverage for business owners and their employees with access to expert consultations across legal, tax, accounting, succession planning and services tailored to local market needs. By addressing both personal and business risks in one integrated solution, MetLife 360Business helps business owners focus on growth.
• In the U.S., to build financial confidence and address concerns about outliving retirement savings, we brought our institutional income annuities to two large defined contribution plan recordkeepers who serve millions of 401(k) plan participants. Through these strategic collaborations, the recordkeepers’ clients will have access to MetLife’s Guaranteed Income fixed immediate annuity and Retirement Income Insurance^® Qualified Longevity Annuity Contract, a fixed deferred income annuity, within their defined contribution plans. This integration enables participants to purchase these solutions and convert a portion of their retirement savings into predictable monthly income.
• MetLife is working to expand access to financial protection to underserved populations across Latin America by introducing innovative, simplified solutions that reflect local market needs. This includes simplified, affordable insurance solutions like Met99 in Mexico, Crece Tranquilo in Chile, Ecosistema de Bienestar (Wellness Ecosystem) in Colombia and MetLife Dental Plans throughout Brazil.
• For U.S. Group customers, MetLife offers PlanSmart^®, a financial wellness solution that provides customers’ employees with accessible financial education programs and personal guidance that empowers them to take action toward a better financial position. Learn more about our U.S. group financial wellness products.

Products That Support Health and Wellness

Part of building a more confident future is strengthening our customers’ holistic health and wellness. MetLife provides support through its insurance products and services. These include dental, vision and health insurance, as well as products and services tailored to mental health, family care, accidents, disability and absence management, cancer and critical illness.

Beyond providing financial protection through our insurance products, customers increasingly seek education, expert guidance and services that support informed decisions, better care and overall well-being. Through partnerships with health and wellness experts, MetLife complements its insurance offerings with services customers value, applying this model across markets while adapting to local needs and trends. Insights from solutions such as 360Health (See Empowering Customers to Manage Their Health below) continue to inform how this approach evolves globally.

Examples include:

• 360Future now offers any customer subscribed to MetLife Korea’s insurance products a personal assistant service designed for seniors with limited digital experience to help them take care of needs such as shopping, searching for the best price and making reservations. Marking MetLife’s 20th anniversary of operations in China, we expanded 360Future offerings for elder care by introducing smart home care, senior travel, nursing care center support and second-home care options. 360Future is available on popular apps like WeChat and iAgent in China, as well as our digital platform, MetLife One, in Korea.
• In the U.S., to address high rates of new cancer diagnoses, we introduced a cancer support benefit to offer employees personalized advice and attention, including during diagnosis, treatment and recovery. Through a strategic relationship with Private Health Management, a leader in complex care navigation, MetLife expanded critical illness insurance to provide better support for employees with cancer, including access to top oncology specialists, tech-enabled and expert-led coordination and patient counseling—all of which help to provide a clearer path forward for patients.
• In Latin America, MetLife is strengthening health and wellness support through product innovation that combines financial protection with integrated wellness services, while embedding simplification principles into product design. In Chile, Cancer360 supports customers across the cancer journey and is integrated with MetLife Orienta, the digital health and well-being ecosystem, connecting oncological and financial support with mental health and emotional well-being resources for patients and their families.
• In our Europe, Middle East and Africa region, MetLife Romania updated its Accident and Health protection to strengthen resilience in addressing health events and expand access to essential health coverage for customers. This includes simple, affordable protection for medical needs, such as hospitalization and surgery, along with meaningful financial support for high-impact conditions like cancer and other critical illnesses. These updates complement the other services and coverage across our protection ecosystem in Romania, which include telemedicine, second medical opinions, travel insurance and discount networks, giving customers financial and practical healthcare support.
• MetLife offers a wide range of benefit solutions to our U.S. Group customers focused on holistic well-being. As one example, we partnered with digital safety company Aura² to launch online protections for employers and their workforces in the U.S. These AI-based tools analyze emotional language patterns, without compromising privacy, to help parents protect their children from mental and physical harm that can be encountered online.