2025 Sustainability Report
Enhancing Portfolio Resilience for Long-Term Growth
As an Investor
Environmental and natural resource considerations— alongside broader market, regulatory and other stakeholder expectations—help drive sustainable growth and support long-term value for investors. Among the many factors that influence MetLife’s GA investment approach, climate remains an area of focus that is assessed, integrated and considered throughout the lifecycle of GA investments. MetLife’s focus on climate‑aware investment practices comes to life through real‑world examples that demonstrate how data, technology and proactive risk management can help strengthen portfolio resilience.
When wildfires threatened Southern California in January 2025, MetLife needed real‑time insight to monitor its real estate fund investments. Using AI capabilities, MetLife built a custom tool1 that combined property coordinates with evacuation‑zone data to automate risk tracking.
This innovative solution reduced a task that previously took hours to only minutes, enabling a scalable, repeatable and reliable model for real-time disaster monitoring.
MetLife has also continued to work toward our two Net Zero 2030 interim investment‑portfolio targets—reducing emissions in real estate equity investments and expanding issuer engagement across our public corporate debt portfolio. See New Frontier Sustainability Aspirations for details.
Our Task Force on Climate-related Financial Disclosures report provides additional information on how climate‑related risks and opportunities are governed, integrated into strategy and risk management, and measured through metrics and targets.
MetLife’s Sustainable Financing Framework
MetLife’s Sustainable Financing Framework aligns our business and investment activities to generate long-term value for our investment portfolio, shareholders and other stakeholders.
It also guides our issuances of green, social and sustainable bonds, term loans, preferred stock, subordinated notes and funding agreements by MetLife, Inc. and its subsidiaries, including MetropolitanLife Insurance Company and Metropolitan Tower Life Insurance Company.
