Code of Business Ethics

MetLife’s Code of Business Ethics (Code) represents our core values and articulates the expected behaviors to deliver on our purpose and execute on our strategy. Our Code is available in multiple languages and applies to everyone at MetLife. Our Code encourages employees to have an ownership mindset and to speak up and escalate concerns when they arise. Each year, employees complete Code training and pledge to uphold its expectations.

In the Code, we confirm our commitment to conducting business fairly and transparently, including a zero-tolerance policy for all forms of bribery and corruption. Our Code, along with internal policies and procedures, require that we conduct ourselves with honesty, integrity and in compliance with the law. We have internal policies for product development, marketing, sales, underwriting, policy administration and benefits payments to promote compliance with applicable local regulations.

We also maintain supplemental codes, including the Financial Management Code of Business Ethics and the Supplier Code of Business Ethics to provide clear, specific standards that strengthen ethical conduct beyond our enterprise-wide Code.

Mandatory Training

MetLife’s mandatory training program includes Code-related topics such as anti-money laundering and counter-terrorist financing, trade and economic sanctions, privacy and data protection, fraud prevention, gifts and entertainment, sales practices, personal trading, information security and ethical business conduct. Mandatory training communicates business‑critical ethical expectations, builds a culture of integrity, prevents misconduct, supports long‑term performance and ultimately strengthens trust with customers, regulators and investors.

MetLife encourages continuous learning by offering access to self-directed courses, coaching programs and knowledge-sharing initiatives to empower employees to foster professional growth and responsible business practices beyond compliance requirements. See Talent and Skills Development to learn more.

Raising Concerns and Speaking Up

MetLife fosters a culture where our people take responsibility for their actions, adopt an ownership mindset and feel empowered to speak up. We encourage everyone to lead by example, holding themselves and others accountable, and to raise issues and concerns. Reports can be made anonymously to the extent permitted by law.

Reporting channels include:

• Speak Up Tool, a desktop icon available on MetLife-issued Company computers;
• Global Investigations Unit;
• Ethics & Fraud HelpLine, available to anyone globally online or by phone and administered by a third party;
• Compliance Risk Management; 
• Human Resources Business Partners and Employee Relations;
• Direct manager or any other level of management; and
• Local or Regional HelpLine or Whistleblowing Contact.

Customer and external stakeholder concerns and grievances can be reported through MetLife customer service departments or the stakeholder’s relationship manager.

MetLife takes all reported concerns seriously. Concerns are reviewed and addressed, as appropriate. When warranted, and consistent with applicable law, MetLife takes appropriate corrective action, up to and including termination of employment for employees and termination of a work assignment or other business association with MetLife for non-employees and other third parties. MetLife prohibits any form of retaliation against anyone for raising a concern in good faith or assisting with an investigation.