MetLife (MET) 10-K 26 Feb 10 2009 FY Annual report Financial data

Document and Company Informatio

Document and Company Information (USD $)
In Billions, except Share data	12 Months Ended Dec. 31, 2009	Feb. 22, 2010	Jun. 30, 2009
Document and Company Information [Abstract]
Entity Registrant Name	METLIFE INC
Entity Central Index Key	0001099219
Document Type	10-K
Document Period End Date	2009-12-31
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Public Float			$25
Entity Common Stock, Shares Outstanding		819,117,546

Consolidated Balance Sheets

Consolidated Balance Sheets (USD $)
In Millions	Dec. 31, 2009	Dec. 31, 2008
Investments:
Fixed maturity securities available-for-sale, at estimated fair value (amortized cost: $229,709 and $209,508, respectively)	$227,642	$188,251
Equity securities available-for-sale, at estimated fair value (cost: $3,187 and $4,131, respectively)	3,084	3,197
Trading securities, at estimated fair value (cost: $2,249 and $1,107, respectively)	2,384	946
Mortgage loans:
Held-for-investment, at amortized cost (net of valuation allowances of $721 and $304, respectively)	48,181	49,352
Held-for-sale, principally at estimated fair value	2,728	2,012
Mortgage loans, net	50,909	51,364
Policy loans	10,061	9,802
Real estate and real estate joint ventures held-for-investment	6,852	7,535
Real estate held-for-sale	44	51
Other limited partnership interests	5,508	6,039
Short-term investments	8,374	13,878
Other invested assets	12,709	17,248
Total investments	327,567	298,311
Cash and cash equivalents	10,112	24,207
Accrued investment income	3,173	3,061
Premiums and other receivables	16,752	16,973
Deferred policy acquisition costs and value of business acquired	19,256	20,144
Current income tax recoverable	316	0
Deferred income tax assets	1,228	4,927
Goodwill	5,047	5,008
Other assets	6,822	7,262
Assets of subsidiaries held-for-sale	0	946
Separate account assets	149,041	120,839
Total assets	539,314	501,678
Liabilities:
Future policy benefits	135,879	130,555
Policyholder account balances	138,673	142,921
Other policyholder funds	8,446	7,762
Policyholder dividends payable	761	1,023
Payables for collateral under securities loaned and other transactions	24,196	31,059
Bank deposits	10,211	6,884
Short-term debt	912	2,659
Long-term debt	13,220	9,667
Collateral financing arrangements	5,297	5,192
Junior subordinated debt securities	3,191	3,758
Current income tax payable	0	342
Other liabilities	15,989	14,284
Liabilities of subsidiaries held-for-sale	0	748
Separate account liabilities	149,041	120,839
Total liabilities	505,816	477,693
MetLife, Inc.'s stockholders' equity:
Preferred stock, par value $0.01 per share; 200,000,000 shares authorized; 84,000,000 shares issued and outstanding; $2,100 aggregate liquidation preference	1	1
Common stock, par value $0.01 per share; 3,000,000,000 shares authorized; 822,359,818 and 798,016,664 shares issued at December 31, 2009 and 2008, respectively; 818,833,810 and 793,629,070 shares outstanding at December 31, 2009 and 2008,respectively	8	8
Additional paid-in capital	16,859	15,811
Retained earnings	19,501	22,403
Treasury stock, at cost; 3,526,008 and 4,387,594 shares at December 31, 2009 and 2008, respectively	(190)	(236)
Accumulated other comprehensive loss	(3,058)	(14,253)
Total MetLife, Inc.'s stockholders' equity	33,121	23,734
Noncontrolling interests	377	251
Total equity	33,498	23,985
Total liabilities and stockholders' equity	$539,314	$501,678

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) (USD $)
In Millions, except Share data	Dec. 31, 2009	Dec. 31, 2008
Investments:
Amortized Cost of fixed maturity securities available-for-sale	$229,709	$209,508
Cost of equity securities available-for-sale	3,187	4,131
Cost of trading securities	2,249	1,107
Mortgage loans:
Valuation allowances for held-for-investment	$721	$304
MetLife, Inc.'s stockholders' equity:
Preferred stock, par value	0.01	0.01
Preferred stock, shares authorized	200,000,000	200,000,000
Preferred stock, shares issued	84,000,000	84,000,000
Preferred stock, shares outstanding	84,000,000	84,000,000
Preferred stock, aggregate liquidation preference	2,100	2,100
Common stock, par value	0.01	0.01
Common stock, shares authorized	3,000,000,000	3,000,000,000
Common stock, shares issued	822,359,818	798,016,664
Common stock, shares outstanding	818,833,810	793,629,070
Treasury stock, shares	3,526,008	4,387,594

Consolidated Statements of Oper

Consolidated Statements of Operations (USD $)
In Millions, except Per Share data	12 Months Ended Dec. 31, 2009	12 Months Ended Dec. 31, 2008	12 Months Ended Dec. 31, 2007
Revenues
Premiums	$26,460	$25,914	$22,970
Universal life and investment-type product policy fees	5,203	5,381	5,238
Net investment income	14,838	16,291	18,057
Other revenues	2,329	1,586	1,465
Net investment gains (losses):
Other-than-temporary impairments on fixed maturity securities	(2,439)	(1,296)	(78)
Other-than-temporary impairments on fixed maturity securities transferred to other comprehensive loss	939	0	0
Other net investment gains (losses), net	(6,272)	3,108	(500)
Total net investment gains (losses)	(7,772)	1,812	(578)
Total revenues	41,058	50,984	47,152
Expenses
Policyholder benefits and claims	28,336	27,437	23,783
Interest credited to policyholder account balances	4,849	4,788	5,461
Policyholder dividends	1,650	1,751	1,723
Other expenses	10,556	11,947	10,405
Total expenses	45,391	45,923	41,372
Income (loss) from continuing operations before provision for income tax	(4,333)	5,061	5,780
Provision for income tax expense (benefit)	(2,015)	1,580	1,675
Income (loss) from continuing operations, net of income tax	(2,318)	3,481	4,105
Income (loss) from discontinued operations, net of income tax	40	(203)	360
Net income (loss)	(2,278)	3,278	4,465
Less: Net income (loss) attributable to noncontrolling interests	(32)	69	148
Net income (loss) attributable to MetLife, Inc	(2,246)	3,209	4,317
Less: Preferred stock dividends	122	125	137
Net income (loss) available to MetLife, Inc.'s common shareholders	($2,368)	$3,084	$4,180
Income (loss) from continuing operations, net of income tax, available to MetLife, Inc.'s common shareholders per common share:
Basic	-2.94	4.6	5.32
Diluted	-2.94	4.54	5.2
Net income (loss) available to MetLife, Inc.'s common shareholders per common share:
Basic	-2.89	4.19	5.62
Diluted	-2.89	4.14	5.48
Cash dividends per common share	0.74	0.74	0.74

Consolidated Statements of Stoc

Consolidated Statements of Stockholders Equity (USD $)
In Millions	Previously Reported	Previously Reported Noncontrolling Interest Continuing Operations	Previously Reported Noncontrolling Interest Discontinued Operations	Previously Reported Total MetLife, Inc.'s Stockholders' Equity	Previously Reported Preferred Stock	Previously Reported Common Stock	Previously Reported Additional Paid-in Capital	Previously Reported Retained Earnings	Previously Reported Treasury Stock at Cost	Previously Reported Accumulated Other Comprehensive Income (Loss) Net Unrealized Investment Gains (Losses)	Previously Reported Accumulated Other Comprehensive Income (Loss) Foreign Currency Translation Adjustments	Previously Reported Accumulated Other Comprehensive Income (Loss) Defined Benefit Plans Adjustment	Noncontrolling Interests	Noncontrolling Interest Continuing Operations	Noncontrolling Interest Discontinued Operations	Total MetLife, Inc.'s Stockholders' Equity	Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	Treasury Stock at Cost	Accumulated Other Comprehensive Income (Loss) Net Unrealized Investment Gains (Losses)	Accumulated Other Comprehensive Income (Loss) Other Than Temporary Impairments	Accumulated Other Comprehensive Income (Loss) Foreign Currency Translation Adjustments	Accumulated Other Comprehensive Income (Loss) Defined Benefit Plans Adjustment	Total
Balance at Dec. 31, 2005																		$8
Cumulative effect of changes in accounting principles, net of income tax (Note 1)															(11)	(329)				(329)						(340)
Other comprehensive income (loss):
Balance at Dec. 31, 2006	35,246	101	1,347	33,798	1	8	17,454	16,574	(1,357)	1,864	57	(803)		101	1,336	33,469	1	8	17,454	16,245	(1,357)	1,864		57	(803)	34,906
Cumulative effect of changes in accounting principles, net of income tax (Note 1)																17				27		(10)				17
Treasury stock transactions:
Treasury stock transactions, net																(1,439)			94		(1,533)					(1,439)
Obligation under accelerated common stock repurchase agreement																(450)			(450)							(450)
Dividends on preferred stock																(137)				(137)						(137)
Dividends on common stock																(541)				(541)						(541)
Dividends on subsidiary common stock															(34)											(34)
Change in equity of noncontrolling interests														165	42											207
Comprehensive income (loss):
Net income (loss)														7	141	4,317				4,317						4,465
Other comprehensive income (loss):
Unrealized gains (losses) on derivative instruments, net of income tax																(40)						(40)				(40)
Unrealized investment gains (losses), net of related offsets and income tax														(1)	(8)	(853)						(853)				(862)
Foreign currency translation adjustments, net of income tax															56	290								290		346
Defined benefit plans adjustment, net of income tax															1	563									563	564
Other comprehensive income (loss)														(1)	49	(40)										8
Comprehensive income (loss)														6	190	4,277										4,473
Balance at Dec. 31, 2007	36,985	272	1,534	35,179	1	8	17,098	19,884	(2,890)	971	347	(240)		272	1,534	35,196	1	8	17,098	19,911	(2,890)	961		347	(240)	37,002
Common stock issuance - newly issued shares																290			290							290
Treasury stock transactions:
Acquired in connection with share repurchase agreements																(800)			450		(1,250)					(800)
Issued in connection with common stock issuance																1,936			(2,104)		4,040					1,936
Issued to settle stock forward contracts																1,035			(29)		1,064					1,035
Acquired in connection with split-off of subsidiary																(1,318)					(1,318)					(1,318)
Other, net																83			(35)		118					83
Stock-based compensation																141			141							141
Dividends on preferred stock																(125)				(125)						(125)
Dividends on common stock																(592)				(592)						(592)
Dividends on subsidiary common stock															34											34
Change in equity of noncontrolling interests														(6)	(1,409)											(1,415)
Comprehensive income (loss):
Net income (loss)														(25)	94	3,209				3,209						3,278
Other comprehensive income (loss):
Unrealized gains (losses) on derivative instruments, net of income tax																241						241				241
Unrealized investment gains (losses), net of related offsets and income tax														10	(150)	(13,766)						(13,766)				(13,906)
Foreign currency translation adjustments, net of income tax															(107)	(593)								(593)		(700)
Defined benefit plans adjustment, net of income tax															4	(1,203)									(1,203)	(1,199)
Other comprehensive income (loss)														10	(253)	(15,321)										(15,564)
Comprehensive income (loss)														(15)	(159)	(12,112)										(12,286)
Balance at Dec. 31, 2008													251			23,734	1	8	15,811	22,403	(236)	(12,564)		(246)	(1,443)	23,985
Cumulative effect of changes in accounting principles, net of income tax (Note 1)																				76			(76)
Common stock issuance - newly issued shares																1,035			1,035							1,035
Treasury stock transactions:
Treasury stock transactions, net																7			(7)		14					7
Stock-based compensation																52			20		32					52
Dividends on preferred stock																(122)				(122)						(122)
Dividends on common stock																(610)				(610)						(610)
Change in equity of noncontrolling interests													169													169
Comprehensive income (loss):
Net income (loss)													(32)			(2,246)				(2,246)						(2,278)
Other comprehensive income (loss):
Unrealized gains (losses) on derivative instruments, net of income tax																(116)						(116)				(116)
Unrealized investment gains (losses), net of related offsets and income tax													(11)			11,426						11,863	(437)			11,415
Foreign currency translation adjustments, net of income tax																63								63		63
Defined benefit plans adjustment, net of income tax																(102)									(102)	(102)
Other comprehensive income (loss)													(11)			11,271										11,260
Comprehensive income (loss)													(43)			9,025										8,982
Balance at Dec. 31, 2009													$377			$33,121	$1	$8	$16,859	$19,501	($190)	($817)	($513)	($183)	($1,545)	$33,498

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (USD $)
In Millions	12 Months Ended Dec. 31, 2009	12 Months Ended Dec. 31, 2008	12 Months Ended Dec. 31, 2007
Cash flows from operating activities
Net income (loss)	($2,278)	$3,278	$4,465
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization expenses	520	375	457
Amortization of premiums and accretion of discounts associated with investments, net	(967)	(939)	(955)
(Gains) losses from sales of investments and businesses, net	7,715	(1,127)	619
Undistributed equity earnings of real estate joint ventures and other limited partnership interests	1,118	679	(606)
Interest credited to policyholder account balances	4,852	4,911	5,790
Interest credited to bank deposits	163	166	200
Universal life and investment-type product policy fees	(5,218)	(5,462)	(5,310)
Change in accrued investment income	(110)	428	(275)
Change in premiums and other receivables	(1,653)	(1,929)	(283)
Change in deferred policy acquisition costs, net	(1,837)	545	(1,178)
Change in insurance-related liabilities	6,401	5,307	5,463
Change in trading securities	(1,152)	(418)	200
Change in residential mortgage loans held-for-sale, net	(800)	(1,946)	0
Change in mortgage servicing rights	(687)	(185)	0
Change in income tax payable	(2,614)	920	101
Change in other assets	(660)	5,737	582
Change in other liabilities	865	163	581
Other, net	145	199	51
Net cash provided by operating activities	3,803	10,702	9,902
Cash flows from investing activities
Sales, maturities and repayments of fixed maturity securities	64,428	102,250	112,062
Sales, maturities and repayments of equity securities	2,545	2,707	1,738
Sales, maturities and repayments of mortgage loans	5,769	6,077	9,854
Sales, maturities and repayments of real estate and real estate joint ventures	43	140	664
Sales, maturities and repayments of other limited partnership interests	947	593	1,121
Purchases of fixed maturity securities	(83,940)	(86,874)	(112,534)
Purchases of equity securities	(1,986)	(1,494)	(2,883)
Purchases of mortgage loans	(4,692)	(10,096)	(14,365)
Purchases of real estate and real estate joint ventures	(579)	(1,170)	(2,228)
Purchases of other limited partnership interests	(803)	(1,643)	(2,041)
Net change in short-term investments	5,534	(11,269)	55
Net change in policy loans	(259)	(467)	(190)
Net change in other invested assets	(713)	(492)	(1,020)
Purchases of businesses, net of cash received of $0, $314 and $13, respectively	0	(469)	(43)
Sales of businesses, net of cash disposed of $180, $0 and $763, respectively	(50)	(4)	(694)
Disposal of subsidiary	(19)	(313)	0
Other, net	(160)	(147)	(140)
Net cash used in investing activities	(13,935)	(2,671)	(10,644)
Cash flows from financing activities
Policyholder account balances: Deposits	77,517	70,051	54,977
Policyholder account balances: Withdrawals	(79,799)	(56,406)	(51,903)
Net change in payables for collateral under securities loaned and other transactions	(6,863)	(13,077)	(1,710)
Net change in bank deposits	3,164	2,185	(305)
Net change in short-term debt	(1,747)	1,992	(782)
Long-term debt issued	2,961	339	726
Long-term debt repaid	(555)	(422)	(286)
Collateral financing arrangements issued	105	310	4,882
Cash received in connection with collateral financing arrangements	775	0	0
Cash paid in connection with collateral financing arrangements	(400)	(800)	0
Junior subordinated debt securities issued	500	750	694
Shares subject to mandatory redemption	0	0	(131)
Debt issuance costs	(30)	(34)	(14)
Common stock issued, net of issuance costs	0	290	0
Common stock issued to settle stock forward contracts	1,035	0	0
Stock options exercised	8	45	110
Treasury stock acquired in connection with share repurchase agreements	0	(1,250)	(1,705)
Treasury stock issued in connection with common stock issuance, net of issuance costs	0	1,936	0
Treasury stock issued to settle stock forward contracts	0	1,035	0
Dividends on preferred stock	(122)	(125)	(137)
Dividends on common stock	(610)	(592)	(541)
Other, net	(42)	(38)	67
Net cash (used in) provided by financing activities	(4,103)	6,189	3,942
Effect of change in foreign currency exchange rates on cash balances	108	(349)	61
Change in cash and cash equivalents	(14,127)	13,871	3,261
Cash and cash equivalents, beginning of year	24,239	10,368	7,107
Cash and cash equivalents, end of year	10,112	24,239	10,368
Cash and cash equivalents, subsidiaries held-for-sale, beginning of year	32	407	170
Cash and cash equivalents, subsidiaries held-for-sale, end of year	0	32	407
Cash and cash equivalents, from continuing operations, beginning of year	24,207	9,961	6,937
Cash and cash equivalents, from continuing operations, end of year	10,112	24,207	9,961
Supplemental disclosures of cash flow information:
Net cash paid during the year for Interest	989	1,107	1,011
Net cash paid during the year for Income tax	397	27	2,128
Non-cash transactions during the year:
Business acquisitions Assets acquired	0	2,083	0
Business acquisitions Cash paid	0	(783)	0
Business acquisitions Liabilities assumed	0	1,300	0
Disposal of subsidiary:
Assets disposed	0	22,135	0
Liabilities disposed	0	(20,689)	0
Net assets disposed	0	1,446	0
Cash disposed	0	270	0
Transaction costs, including cash paid of $19, $43 and $0, respectively	2	60	0
Treasury stock received in common stock exchange	0	(1,318)	0
Loss on disposal of subsidiary	2	458	0
Remarketing of debt securities:
Fixed maturity securities redeemed	32	32	0
Long-term debt issued	1,035	1,035	0
Junior subordinated debt securities redeemed	1,067	1,067	0
Contribution of equity securities to MetLife Foundation	0	0	12
Purchase money mortgages on real estate sale	93	0	0
Fixed maturity securities received in connection with insurance contract commutation	0	115	0
Real estate and real estate joint ventures acquired in satisfaction of debt	$211	$1	$1

1_Consolidated Statements of Ca

Consolidated Statements of Cash Flows (Parenthetical) (USD $)
In Millions	12 Months Ended Dec. 31, 2009	12 Months Ended Dec. 31, 2008	12 Months Ended Dec. 31, 2007
Cash flows from investing activities
Cash received from purchase of businesses	$0	$314	$13
Cash disposed from sale of business	180	0	763
Disposal of subsidiary:
Cash paid included in transaction cost	$19	$43	$0

Business Basis of Presentation

Business Basis of Presentation and Summary of Significant Accounting Policies
	12 Months Ended Dec. 31, 2009 USD / shares
Business, Basis of Presentation and Summary of Significant Accounting Policies [Abstract]
Business, Basis of Presentation and Summary of Significant Accounting Policies	1. Business, Basis of Presentation and Summary of Significant Accounting Policies Business MetLife or the Company refers to MetLife, Inc., a Delaware corporation incorporated in 1999 (the Holding Company), and its subsidiaries, including Metropolitan Life Insurance Company (MLIC). MetLife is a leading provider of insurance, employee benefits and financial services with operations throughout the United States and the Latin America, Asia Pacific and Europe, Middle East and India regions. Through its subsidiaries and affiliates, MetLife offers life insurance, annuities, auto and home insurance, retail banking and other financial services to individuals, as well as group insurance and retirement savings products and services to corporations and other institutions. During 2009, MetLife combined its former institutional and individual businesses, as well as its auto home unit, into a single U.S.Business organization. U.S.Business consists of Insurance Products, Retirement Products, Corporate Benefit Funding and Auto Home segments. The Company also has an International segment. The segments are managed separately because they either provide different products and services, require different strategies or have different technology requirements. In addition, the Company reports certain of its results of operations in Banking, Corporate Other, which is comprised of MetLife Bank, National Association (MetLife Bank) and other business activities. See Note22 for further business segment information. Basis of Presentation The accompanying consolidated financial statements include the accounts of the Holding Company and its subsidiaries, partnerships and joint ventures in which the Company has control, and variable interest entities (VIEs) for which the Company is the primary beneficiary. Closed block assets, liabilities, revenues and expenses are combined on a line-by-line basis with the assets, liabilities, revenues and expenses outside the closed block based on the nature of the particular item. See Note10. Intercompany accounts and transactions have been eliminated. Certain amounts in the prior year periods consolidated financial statements have been reclassified to conform with the 2009 presentation. Such reclassifications include $6.9billion reclassified from policyholder account balances to bank deposits in the consolidated balance sheet at December31, 2008 and $2,185million and ($305)million reclassified from policyholder account balances to net change in bank deposits within cash flows from financing activities in the consolidated statements of cash flows for the years ended December31, 2008 and 2007, respectively. See also Note23 for reclassifications related to discontinued operations. Summary of Significant Accounting Policies and Critical Accounting Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (GAAP) requires management to adopt accounting policies and make estimates and assumptions that affect amounts reported in the consolidated financial statements. A description of critical estimates is i

Acquisitions and Dispositions

Acquisitions and Dispositions
	12 Months Ended Dec. 31, 2009 USD / shares
Acquisitions and Dispositions [Abstract]
Acquisitions and Dispositions	2. Acquisitions and Dispositions 2009 Disposition On March2, 2009, the Company sold Cova Corporation (Cova), the parent company of Texas Life Insurance Company (Texas Life) to a third-party for $130million in cash consideration, excluding $1million of transaction costs. The net assets sold were $101million, resulting in a gain on disposal of $28million, net of income tax. The Company also reclassified $4million, net of income tax, of the 2009 operations of Texas Life into discontinued operations in the consolidated financial statements. As a result, the Company recognized income from discontinued operations of $32million, net of income tax, during the year ended December31, 2009. See also Note23. 2008 Disposition In September 2008, the Company completed a tax-free split-off of its majority-owned subsidiary, Reinsurance Group of America, Incorporated (RGA). The Company and RGA entered into a recapitalization and distribution agreement, pursuant to which the Company agreed to divest substantially all of its 52% interest in RGA to the Companys stockholders. The split-off was effected through the following: A recapitalization of RGA common stock into two classes of common stock RGA ClassA common stock and RGA ClassB common stock. Pursuant to the terms of the recapitalization, each outstanding share of RGA common stock, including the 32,243,539shares of RGA common stock beneficially owned by the Company and its subsidiaries, was reclassified as one share of RGA ClassA common stock. Immediately thereafter, the Company and its subsidiaries exchanged 29,243,539shares of its RGA ClassA common stock which represented all of the RGA ClassA common stock beneficially owned by the Company and its subsidiaries other than 3,000,000shares of RGA ClassA common stock with RGA for 29,243,539shares of RGA ClassB common stock. An exchange offer, pursuant to which the Company offered to acquire MetLife common stock from its stockholders in exchange for all of its 29,243,539shares of RGA ClassB common stock. The exchange ratio was determined based upon a ratio of the value of the MetLife and RGA shares during the three-day period prior to the closing of the exchange offer. The 3,000,000shares of the RGA ClassA common stock were not subject to the tax-free exchange. As a result of completion of the recapitalization and exchange offer, the Company received from MetLife stockholders 23,093,689shares of the Holding Companys common stock with a market value of $1,318million and, in exchange, delivered 29,243,539shares of RGAs ClassB common stock with a net book value of $1,716million. The resulting loss on disposition, inclusive of transaction costs of $60million, was $458million. During the third quarter of 2009, the Company incurred $2million, net of income tax, of additional costs related to this split-off. The 3,000,000shares of RGA ClassA common stock retained by the Company are marketable equity securities which do not constitute significant continuing involvement in the operations of RGA; accordingly, they have been classified within equity securities in the consolidated financial statements of the

Investments

Investments
	12 Months Ended Dec. 31, 2009 USD / shares
Investments [Abstract]
Investments	3. Investments Fixed Maturity and Equity Securities Available-for-Sale The following tables present the cost or amortized cost, gross unrealized gain and loss, estimated fair value of the Companys fixed maturity and equity securities and the percentage that each sector represents by the respective total holdings for the periods shown. The unrealized loss amounts presented below at December31, 2009 include the noncredit loss component of OTTI loss: December31, 2009 Cost or Gross Unrealized Estimated Amortized Temporary OTTI Fair % of Cost Gain Loss Loss Value Total (In millions) Fixed Maturity Securities: U.S. corporate securities $ 72,075 $ 2,821 $ 2,699 $ 10 $ 72,187 31.7 % RMBS 45,343 1,234 1,957 600 44,020 19.3 Foreign corporate securities 37,254 2,011 1,226 9 38,030 16.7 U.S. Treasury, agency and government guaranteed securities (1) 25,712 745 1,010 25,447 11.2 CMBS 16,555 191 1,106 18 15,622 6.9 ABS 14,272 189 1,077 222 13,162 5.8 Foreign government securities 11,010 1,076 139 11,947 5.2 State and political subdivision securities 7,468 151 411 7,208 3.2 Other fixed maturity securities 20 1 2 19 Total fixed maturity securities (2), (3) $ 229,709 $ 8,419 $ 9,627 $ 859 $ 227,642 100.0 % Equity Securities: Common stock $ 1,537 $ 92 $ 8 $ $ 1,621 52.6 % Non-redeemable preferred stock (2) 1,650 80 267 1,463 47.4 Total equity securities (4) $ 3,187 $ 172 $ 275 $ $ 3,084 100.0 % December31, 2008 Cost or Estimated Amortized Gross Unrealized Fair % of Cost Gain Loss Value Total (In millions) Fixed Maturity Securities:

Derivative Financial Instrument

Derivative Financial Instruments
	12 Months Ended Dec. 31, 2009 USD / shares
Derivative Financial Instruments [Abstract]
Derivative Financial Instruments	4. Derivative Financial Instruments Accounting for Derivative Financial Instruments See Note1 for a description of the Companys accounting policies for derivative financial instruments. See Note5 for information about the fair value hierarchy for derivatives. Primary Risks Managed by Derivative Financial Instruments and Non-Derivative Financial Instruments The Company is exposed to various risks relating to its ongoing business operations, including interest rate risk, foreign currency risk, credit risk and equity market risk. The Company uses a variety of strategies to manage these risks, including the use of derivative instruments. The following table presents the notional amount, estimated fair value and primary underlying risk exposure of the Companys derivative financial instruments, excluding embedded derivatives held at: December31, 2009 2008 Estimated Estimated Primary Underlying Notional Fair Value (1) Notional Fair Value (1) Risk Exposure Instrument Type Amount Assets Liabilities Amount Assets Liabilities (In millions) Interest rate Interest rate swaps $ 38,152 $ 1,570 $ 1,255 $ 34,060 $ 4,617 $ 1,468 Interest rate floors 23,691 461 37 48,517 1,748 Interest rate caps 28,409 283 24,643 11 Interest rate futures 7,563 8 10 13,851 44 117 Interest rate options 4,050 117 57 2,365 939 35 Interest rate forwards 9,921 66 27 16,616 49 70 Synthetic GICs 4,352 4,260 Foreign currency Foreign currency swaps 16,879 1,514 1,392 19,438 1,953 1,866 Foreign currency forwards 6,485 83 57 5,167 153 129 Currency options 822 18 932 73 Non-derivative hedging instruments (2) 351 323 Credit Swap spreadlocks 2,338 99 Credit default swaps 6,723 74 130 5,219 152 69 Credit forwards 220 2 6 Equity market Equity futures 7,405 44 21 6,057 1 88 Equity options 27,175 1,712 1,018 5,153 2,150 Variance swaps 13,654 181 58 9,222 416

Fair Value

Fair Value
	12 Months Ended Dec. 31, 2009 USD / shares
Fair Value [Abstract]
Fair Value	5. Fair Value Effective January1, 2008, the Company prospectively adopted the provisions of fair value measurement guidance. Considerable judgment is often required in interpreting market data to develop estimates of fair value and the use of different assumptions or valuation methodologies may have a material effect on the estimated fair value amounts. Fair Value of Financial Instruments Amounts related to the Companys financial instruments are as follows: Estimated Notional Carrying Fair December31, 2009 Amount Value Value (In millions) Assets: Fixed maturity securities $ 227,642 $ 227,642 Equity securities $ 3,084 $ 3,084 Trading securities $ 2,384 $ 2,384 Mortgage loans: Held-for-investment $ 48,181 $ 46,315 Held-for-sale 2,728 2,728 Mortgage loans, net $ 50,909 $ 49,043 Policy loans $ 10,061 $ 11,294 Real estate joint ventures (1) $ 115 $ 127 Other limited partnership interests (1) $ 1,571 $ 1,581 Short-term investments $ 8,374 $ 8,374 Other invested assets: (1) Derivative assets (2) $ 122,156 $ 6,133 $ 6,133 Mortgage servicing rights $ 878 $ 878 Other $ 1,241 $ 1,284 Cash and cash equivalents $ 10,112 $ 10,112 Accrued investment income $ 3,173 $ 3,173 Premiums and other receivables (1) $ 3,375 $ 3,532 Other assets (1) $ 425 $ 440 Separate account assets $ 149,041 $ 149,041 Net embedded derivatives within asset host contracts (3) $ 76 $ 76 Liabilities: Policyholder account balances (1) $ 97,131 $ 96,735 Payables for collateral under securities loaned and other transactions $ 24,196 $ 24,196 Bank deposits $ 10,211 $ 10,300 Short-term debt $ 912 $ 912 Long-term debt (1) $ 13,185 $ 13,831 Collateral financing arrangements $ 5,297 $ 2,877 Junior subordinated debt securities $ 3,191 $ 3,167 Other liabilities: (1) Derivative liabilities (2) $ 73,721 $ 4,115 $ 4,115 Trading liabilities $ 106 $ 106 Other $ 1,788 $

Deferred Policy Acquisition Cos

Deferred Policy Acquisition Costs and Value of Business Acquired
	12 Months Ended Dec. 31, 2009 USD / shares
Deferred Policy Acquisition Costs and Value of Business Acquired [Abstract]
Deferred Policy Acquisition Costs and Value of Business Acquired	6. Deferred Policy Acquisition Costs and Value of Business Acquired Information regarding DAC and VOBA is as follows: DAC VOBA Total (In millions) Balance at January1, 2007 $ 13,212 $ 4,292 $ 17,504 Effect of adoption of new accounting principle (205 ) (248 ) (453 ) Capitalizations 3,064 3,064 Acquisitions 48 48 Subtotal 16,071 4,092 20,163 Less: Amortization related to: Net investment gains (losses) (115 ) (11 ) (126 ) Other expenses 1,881 495 2,376 Total amortization 1,766 484 2,250 Less: Unrealized investment gains (losses) 75 63 138 Less: Other (30 ) (5 ) (35 ) Balance at December31, 2007 14,260 3,550 17,810 Capitalizations 3,092 3,092 Acquisitions (5 ) (5 ) Subtotal 17,352 3,545 20,897 Less: Amortization related to: Net investment gains (losses) 489 32 521 Other expenses 2,460 508 2,968 Total amortization 2,949 540 3,489 Less: Unrealized investment gains (losses) (2,753 ) (599 ) (3,352 ) Less: Other 503 113 616 Balance at December31, 2008 16,653 3,491 20,144 Capitalizations 3,019 3,019 Subtotal 19,672 3,491 23,163 Less: Amortization related to: Net investment gains (losses) (625 ) (87 ) (712 ) Other expenses 1,754 265 2,019 Total amortization 1,129 178 1,307 Less: Unrealized investment gains (losses) 2,314 505 2,819 Less: Other (163 ) (56 ) (219 ) Balance at December31, 2009 $ 16,392 $ 2,864 $ 19,256 See Note2 for a description of acquisitions and dispositions. The estimated future amortization expense allocated to other expenses for the next five years for VOBA is $394million in 2010, $352mill

Goodwill

Goodwill
	12 Months Ended Dec. 31, 2009 USD / shares
Goodwill [Abstract]
Goodwill	7. Goodwill Goodwill is the excess of cost over the estimated fair value of net assets acquired. Information regarding goodwill is as follows: December31, 2009 2008 2007 (In millions) Balance at beginning of the period $ 5,008 $ 4,814 $ 4,801 Acquisitions (1) 256 2 Other, net (2) 39 (62 ) 11 Balance at the end of the period $ 5,047 $ 5,008 $ 4,814 (1) See Note2 for a description of acquisitions and dispositions. (2) Consisting principally of foreign currency translation adjustments. Information regarding goodwill by segment and reporting unit is as follows: December31, 2009 2008 (In millions) U.S. Business: Insurance Products: Group life $ 2 $ 2 Individual life 1,263 1,265 Non-medical health 149 149 Total Insurance Products 1,414 1,416 Retirement Products 1,692 1,692 Corporate Benefit Funding 900 900 Auto Home 157 157 Total U.S. Business 4,163 4,165 International: Latin America region 214 184 Asia Pacific region 160 152 EMEI region 40 37 Total International 414 373 Banking, Corporate Other 470 470 Total $ 5,047 $ 5,008 As described in more detail in Note1, the Company performed its annual goodwill impairment tests during the third quarter of 2009 based upon data at June30, 2009 that indicated that goodwill was not impaired. During the fourth quarter of 2009, the Company realigned its reportable segments. See Notes1 and 22. The 2009 annual goodwill impairment tests were based on the segment structure in existence prior to such realignment. The realignment did not significantly change the reporting units for goodwill impairment testing purposes and management concluded that no additional tests were required at December31, 2009. Previously, due to economic conditions, the sustained low level of equity markets, declining market capitalizations in the insurance industry and lower operating earnings projections, particularly in individual annuity and variable universal life reporting units, management performed an interim goodwill impairment test at December31, 2008 and again, for certain reporting units most affected by the current economic environment at March31, 2009. Based upon the tests performed, management concluded no impairment of goodwill had occurred for any of the Companys reporting units at March31, 2009 and

Insurance

Insurance
	12 Months Ended Dec. 31, 2009 USD / shares
Insurance [Abstract]
Insurance	8. Insurance Insurance Liabilities Insurance liabilities are as follows: Future Policy Policyholder Account Other Policyholder Benefits Balances Funds December31, 2009 2008 2009 2008 2009 2008 (In millions) U.S. Business: Insurance Products: Group life $ 2,981 $ 2,984 $ 8,985 $ 8,422 $ 2,411 $ 2,341 Individual life 55,302 54,099 18,632 17,587 2,911 2,876 Non-medical health 12,738 11,619 501 501 616 609 Total Insurance Products 71,021 68,702 28,118 26,510 5,938 5,826 Retirement Products 3,978 3,655 46,821 44,282 103 88 Corporate Benefit Funding 41,614 40,682 55,556 66,409 216 249 Auto Home 2,972 3,083 184 43 Total U.S. Business 119,585 116,122 130,495 137,201 6,441 6,206 International 10,830 9,241 8,128 5,654 1,637 1,227 Banking, Corporate Other 5,464 5,192 50 66 368 329 Total $ 135,879 $ 130,555 $ 138,673 $ 142,921 $ 8,446 $ 7,762 Value of Distribution Agreements and Customer Relationships Acquired Information regarding the VODA and VOCRA, which are reported in other assets, is as follows: Years Ended December31, 2009 2008 2007 (In millions) Balance at January1, $ 822 $ 706 $ 708 Acquisitions 144 11 Amortization (34 ) (25 ) (16 ) Other 4 (3 ) 3 Balance at December31, $ 792 $ 822 $ 706 The estimated future amortization expense allocated to other expenses for the next five years for VODA and VOCRA is $40million in 2010, $44million in 2011, $49million in 2012, $52million in 2013 and $55million in 2014. See Note2 for a description of acquisitions and dispositions. Sales Inducements Information regarding deferred sales inducements, which are reported in other assets, is as follows:

Reinsurance

Reinsurance
	12 Months Ended Dec. 31, 2009 USD / shares
Reinsurance [Abstract]
Reinsurance	9. Reinsurance The Companys Insurance Products segment participates in reinsurance activities in order to limit losses, minimize exposure to significant risks and provide additional capacity for future growth. For its individual life insurance products, the Company has historically reinsured the mortality risk primarily on an excess of retention basis or a quota share basis. Until 2005, the Company reinsured up to 90% of the mortality risk for all new individual life insurance policies that it wrote through its various subsidiaries. During 2005, the Company changed its retention practices for certain individual life insurance policies. Under the new retention guidelines, the Company reinsures up to 90% of the mortality risk in excess of $1million. Retention limits remain unchanged for other new individual life insurance policies. Policies reinsured in years prior to 2005 remain reinsured under the original reinsurance agreements. On a case by case basis, the Company may retain up to $20million per life and reinsure 100% of amounts in excess of the Companys retention limits. The Company evaluates its reinsurance programs routinely and may increase or decrease its retention at any time. Placement of reinsurance is done primarily on an automatic basis and also on a facultative basis for risks with specific characteristics. In addition to reinsuring mortality risk as described above, the Company reinsures other risks, as well as specific coverages. The Company routinely reinsures certain classes of risks in order to limit its exposure to particular travel, avocation and lifestyle hazards. For other policies within the Insurance Products segment, the Company generally retains most of the risk and only cedes particular risks on certain client arrangements. The Companys Retirement Products segment reinsures a portion of the living and death benefit guarantees issued in connection with its variable annuities. Under these reinsurance agreements, the Company pays a reinsurance premium generally based on fees associated with the guarantees collected from policyholders, and receives reimbursement for benefits paid or accrued in excess of account values, subject to certain limitations. The Company enters into similar agreements for new or in-force business depending on market conditions. The Companys International and Corporate Benefit Funding segments have periodically engaged in reinsurance activities, as considered appropriate. The impact of these activities on the financial results of these segments has not been significant. The Companys Auto Home segment purchases reinsurance to manage its exposure to large losses (primarily catastrophe losses) and to protect statutory surplus. The Company cedes to reinsurers a portion of losses and premiums based upon the exposure of the policies subject to reinsurance. To manage exposure to large property and casualty losses, the Company utilizes property catastrophe, casualty and property per risk excess of loss agreements. The Company also reinsures, through 100% quota share reinsurance agreements, certain long-term care and workers compensation business writte

Closed Block

Closed Block
	12 Months Ended Dec. 31, 2009 USD / shares
Closed Block [Abstract]
Closed Block	10. Closed Block On April7, 2000, (the Demutualization Date), MLIC converted from a mutual life insurance company to a stock life insurance company and became a wholly-owned subsidiary of MetLife, Inc. The conversion was pursuant to an order by the New York Superintendent of Insurance (the Superintendent) approving MLICs plan of reorganization, as amended (the Plan). On the Demutualization Date, MLIC established a closed block for the benefit of holders of certain individual life insurance policies of MLIC. Assets have been allocated to the closed block in an amount that has been determined to produce cash flows which, together with anticipated revenues from the policies included in the closed block, are reasonably expected to be sufficient to support obligations and liabilities relating to these policies, including, but not limited to, provisions for the payment of claims and certain expenses and taxes, and to provide for the continuation of policyholder dividend scales in effect for 1999, if the experience underlying such dividend scales continues, and for appropriate adjustments in such scales if the experience changes. At least annually, the Company compares actual and projected experience against the experience assumed in the then-current dividend scales. Dividend scales are adjusted periodically to give effect to changes in experience. The closed block assets, the cash flows generated by the closed block assets and the anticipated revenues from the policies in the closed block will benefit only the holders of the policies in the closed block. To the extent that, over time, cash flows from the assets allocated to the closed block and claims and other experience related to the closed block are, in the aggregate, more or less favorable than what was assumed when the closed block was established, total dividends paid to closed block policyholders in the future may be greater than or less than the total dividends that would have been paid to these policyholders if the policyholder dividend scales in effect for 1999 had been continued. Any cash flows in excess of amounts assumed will be available for distribution over time to closed block policyholders and will not be available to stockholders. If the closed block has insufficient funds to make guaranteed policy benefit payments, such payments will be made from assets outside of the closed block. The closed block will continue in effect as long as any policy in the closed block remains in-force. The expected life of the closed block is over 100years. The Company uses the same accounting principles to account for the participating policies included in the closed block as it used prior to the Demutualization Date. However, the Company establishes a policyholder dividend obligation for earnings that will be paid to policyholders as additional dividends as described below. The excess of closed block liabilities over closed block assets at the effective date of the demutualization (adjusted to eliminate the impact of related amounts in accumulated other comprehensive income) represents the estimated maximum future earnings from the closed block expected to result from o

Long-term and Short-term Debt

Long-term and Short-term Debt
	12 Months Ended Dec. 31, 2009 USD / shares
Long-term and Short-term Debt [Abstract]
Long-term and Short-term Debt	11. Long-term and Short-term Debt Long-term and short-term debt outstanding is as follows: Interest Rates Weighted December31, Range Average Maturity 2009 2008 (In millions) Senior notes 0.57%-7.71% 5.94 % 2011-2035 $ 10,458 $ 7,660 Repurchase agreements 0.31%-4.90% 3.35 % 2010-2014 1,846 1,062 Surplus notes 7.63%-7.88% 7.98 % 2015-2025 698 698 Fixed rate notes 3.76%-8.56% 8.56 % 2010 63 65 Other notes with varying interest rates 2.16%-8.00% 4.50 % 2010-2016 120 134 Capital lease obligations 35 48 Total long-term debt 13,220 9,667 Total short-term debt 912 2,659 Total $ 14,132 $ 12,326 The aggregate maturities of long-term debt at December31, 2009 for the next five years are $431million in 2010, $1,358million in 2011, $1,506million in 2012, $718million in 2013, $416million in 2014 and $8,789million thereafter. Repurchase agreements and capital lease obligations are collateralized and rank highest in priority, followed by unsecured senior debt which consists of senior notes, fixed rate notes and other notes with varying interest rates, followed by subordinated debt which consists of junior subordinated debt securities. Payments of interest and principal on the Companys surplus notes, which are subordinate to all other obligations at the operating company level and senior to obligations at the Holding Company, may be made only with the prior approval of the insurance department of the state of domicile. Collateral financing arrangements are supported by either surplus notes of subsidiaries or financing arrangements with the Holding Company and accordingly have priority consistent with other such obligations. Certain of the Companys debt instruments, credit facilities and committed facilities contain various administrative, reporting, legal and financial covenants. The Company believes it was in compliance with all covenants at both December31, 2009 and 2008. Senior Notes In May 2009, the Holding Company issued $1,250million of senior notes due June1, 2016. The notes bear interest at a fixed rate of 6.75%, payable semiannually. In connection with the offering, the Holding Company incurred $6million of issuance costs which have been capitalized and included in other assets. These costs are being amortized over the term of the notes. In March 2009, the Holding Company issued $397million of floating rate senior notes due June29, 2012 under the FDIC Program. The notes bear interest at a rate equal to three-month LIBOR, reset quarterly, plus 0.32%. The

Collateral Financing Arrangemen

Collateral Financing Arrangements
	12 Months Ended Dec. 31, 2009 USD / shares
Collateral Financing Arrangements [Abstract]
Collateral Financing Arrangements	12. Collateral Financing Arrangements Associated with the Closed Block In December 2007, MLIC reinsured a portion of its closed block liabilities to MRC, a wholly-owned subsidiary of the Company. In connection with this transaction, MRC issued, to investors placed by an unaffiliated financial institution, $2.5billion in aggregate principal amount of 35-year surplus notes to provide statutory reserve support for the assumed closed block liabilities. Interest on the surplus notes accrues at an annual rate of 3-month LIBOR plus 0.55%, payable quarterly. The ability of MRC to make interest and principal payments on the surplus notes is contingent upon South Carolina regulatory approval. At both December31, 2009 and 2008, the amount of the surplus notes outstanding was $2.5billion. Simultaneous with the issuance of the surplus notes, the Holding Company entered into an agreement with the unaffiliated financial institution, under which the Holding Company is entitled to the interest paid by MRC on the surplus notes of 3-month LIBOR plus 0.55% in exchange for the payment of 3-month LIBOR plus 1.12%, payable quarterly on such amount as adjusted, as described below. The Holding Company may also be required to pledge collateral or make payments to the unaffiliated financial institution related to any decline in the estimated fair value of the surplus notes. Any such payments would be accounted for as a receivable and included in other assets on the Companys consolidated balance sheets and would not reduce the principal amount outstanding of the surplus notes. Such payments would, however, reduce the amount of interest payments due from the Holding Company under the agreement. Any payment received from the unaffiliated financial institution would reduce the receivable by an amount equal to such payment and would also increase the amount of interest payments due from the Holding Company under the agreement. In addition, the unaffiliated financial institution may be required to pledge collateral to the Holding Company related to any increase in the estimated fair value of the surplus notes. During 2008, the Holding Company paid an aggregate of $800million to the unaffiliated financial institution relating to declines in the estimated fair value of the surplus notes. The Holding Company did not receive any payments from the unaffiliated financial institution during 2008. During 2009, on a net basis, the Holding Company received $375million from the unaffiliated financial institution related to changes in the estimated fair value of the surplus notes. No payments were made or received by the Holding Company during 2007. Since the closing of the collateral financing arrangement in December 2007, on a net basis, the Holding Company has paid $425million to the unaffiliated financial institution related to changes in the estimated fair value of the surplus notes. In addition, at December31, 2008, the Holding Company had pledged collateral with an estimated fair value of $230million to the unaffiliated financial institution. At December31, 2009, the Holding Company had no collateral pledged to the unaffiliated financial institution in

Junior Subordinated Debt Securi

Junior Subordinated Debt Securities
	12 Months Ended Dec. 31, 2009 USD / shares
Junior Subordinated Debt Securities [Abstract]
Junior Subordinated Debt Securities [Text Block]	13. Junior Subordinated Debt Securities Junior Subordinated Debt Securities Underlying Common Equity Units In June 2005, the Holding Company issued $1,067million 4.82% SeriesA and $1,067million 4.91% SeriesB junior subordinated debt securities due no later than February15, 2039 and February15, 2040, respectively, for a total of $2,134million, in exchange for $64million in trust common securities of MetLife Capital TrustII (SeriesA Trust) and MetLife Capital TrustIII (SeriesB Trust) and together with the SeriesA Trust, (the Capital Trusts), both subsidiary trusts of MetLife, Inc., and $2,070million in aggregate cash proceeds from the sale by the subsidiary trusts of trust preferred securities, constituting part of the common equity units. The subsidiary trusts each issued $1,035million of trust preferred securities and $32million of trust common securities. In August 2008, the SeriesA Trust was dissolved and $32million of the SeriesA junior subordinated debt securities were returned to the Holding Company concurrently with the cancellation of the $32million of trust common securities of the SeriesA Trust held by MetLife, Inc. Upon dissolution of the SeriesA Trust, the remaining $1,035million of SeriesA junior subordinated debt securities were distributed to the holders of the trust preferred securities and such trust preferred securities were cancelled. In connection with the remarketing transaction on August15, 2008, the remaining $1,035million of MetLife, Inc. SeriesA junior subordinated debt securities were modified, as permitted by their terms, to be 6.817%senior debt securities, SeriesA, due August15, 2018. The Company did not receive any proceeds from the remarketing. See also Notes11, 14 and 18. In February 2009, the SeriesB Trust was dissolved and $32million of the SeriesB junior subordinated debt securities were returned to the Holding Company concurrently with the cancellation of the $32million of trust common securities of the SeriesB Trust held by MetLife, Inc. Upon dissolution of the SeriesB Trust, the remaining $1,035million of SeriesB junior subordinated debt securities were distributed to the holders of the trust preferred securities and such trust preferred securities were cancelled. In connection with the remarketing transaction on February17, 2009, the remaining $1,035million of MetLife, Inc. SeriesB junior subordinated debt securities were modified, as permitted by their terms, to be 7.717%senior debt securities, SeriesB, due February15, 2019. The Company did not receive any proceeds from the remarketing. See also Notes11, 14 and 18. Interest expense on the junior subordinated debt securities underlying the common equity units was $6million, $84million and $104million for the years ended December31, 2009, 2008 and 2007, respectively. Other Junior Subordinated Debt Securities Other outstanding junior subordinated debt securities and trust securities which MetLife, Inc. will exchange for junior subordinated debt securities prior to redemption or repayment are as follows: Interest Rate

Common Equity Units

Common Equity Units
	12 Months Ended Dec. 31, 2009 USD / shares
Common Equity Units [Abstract]
Common Equity Units	14. Common Equity Units In connection with financing the acquisition of The Travelers Insurance Company on July1, 2005, the Holding Company distributed and sold 82.8million 6.375% common equity units for $2,070million in proceeds in a registered public offering on June21, 2005. The common equity units consisted of interests in trust preferred securities issued by MetLife Capital TrustsII and III, and stock purchase contracts issued by the Holding Company. The only assets of MetLife Capital TrustsII andIII were junior subordinated debt securities issued by the Holding Company. The common equity units ceased to exist upon the closing of the remarketing of the underlying debt instruments and the settlement of the stock purchase contracts in August 2008 and February 2009. See Notes13 and 18.

Income Tax

Income Tax
	12 Months Ended Dec. 31, 2009 USD / shares
Income Tax [Abstract]
Income Tax	15. Income Tax The provision for income tax from continuing operations is as follows: Years Ended December31, 2009 2008 2007 (In millions) Current: Federal $ (45 ) $ 216 $ 439 State and local 12 10 15 Foreign 50 372 200 Subtotal 17 598 654 Deferred: Federal (2,190 ) 1,078 1,015 State and local 26 (6 ) 31 Foreign 132 (90 ) (25 ) Subtotal (2,032 ) 982 1,021 Provision for income tax expense (benefit) $ (2,015 ) $ 1,580 $ 1,675 The reconciliation of the income tax provision at the U.S.statutory rate to the provision for income tax as reported for continuing operations is as follows: Years Ended December31, 2009 2008 2007 (In millions) Tax provision at U.S. statutory rate $ (1,517 ) $ 1,771 $ 2,023 Tax effect of: Tax-exempt investment income (288 ) (254 ) (296 ) State and local income tax 17 2 39 Prior year tax (26 ) 53 70 Tax credits (87 ) (58 ) (42 ) Foreign tax rate differential and change in valuation allowance (118 ) 65 (108 ) Other, net 4 1 (11 ) Provision for income tax expense (benefit) $ (2,015 ) $ 1,580 $ 1,675 Deferred income tax represents the tax effect of the differences between the book and tax basis of assets and liabilities. Net deferred income tax assets and liabilities consisted of the following: December31, 2009 2008 (In millions) Deferred income tax assets: Policyholder liabilities and receivables $ 3,929 $ 5,553 Net operating loss carryforwards 871 741 Employee benefits 661 657 Capital loss carryforwards 551 273 Tax credit carryforwards 401 348 Net unrealized investment losses 816 6,590 Litigation-related and government mandated 240 284 Other 276 242 7,745 14,688 Less: Valuation allowance 217 272 7,528 14,416 Deferred income tax liabilities: I

Contingencies, Commitments and

Contingencies, Commitments and Guarantees
	12 Months Ended Dec. 31, 2009 USD / shares
Contingencies, Commitments and Guarantees [Abstract]
Contingencies, Commitments and Guarantees	16. Contingencies, Commitments and Guarantees Contingencies Litigation The Company is a defendant in a large number of litigation matters. In some of the matters, very large and/or indeterminate amounts, including punitive and treble damages, are sought. Modern pleading practice in the United States permits considerable variation in the assertion of monetary damages or other relief. Jurisdictions may permit claimants not to specify the monetary damages sought or may permit claimants to state only that the amount sought is sufficient to invoke the jurisdiction of the trial court. In addition, jurisdictions may permit plaintiffs to allege monetary damages in amounts well exceeding reasonably possible verdicts in the jurisdiction for similar matters. This variability in pleadings, together with the actual experience of the Company in litigating or resolving through settlement numerous claims over an extended period of time, demonstrate to management that the monetary relief which may be specified in a lawsuit or claim bears little relevance to its merits or disposition value. Thus, unless stated below, the specific monetary relief sought is not noted. Due to the vagaries of litigation, the outcome of a litigation matter and the amount or range of potential loss at particular points in time may normally be inherently impossible to ascertain with any degree of certainty. Inherent uncertainties can include how fact finders will view individually and in their totality documentary evidence, the credibility and effectiveness of witnesses testimony and how trial and appellate courts will apply the law in the context of the pleadings or evidence presented, whether by motion practice, or at trial or on appeal. Disposition valuations are also subject to the uncertainty of how opposing parties and their counsel will themselves view the relevant evidence and applicable law. On a quarterly and annual basis, the Company reviews relevant information with respect to litigation and contingencies to be reflected in the Companys consolidated financial statements. In 2007, the Company received $39million upon the resolution of an indemnification claim associated with the 2000 acquisition of General American Life Insurance Company (GALIC), and the Company reduced legal liabilities by $38million after the settlement of certain cases. The review includes senior legal and financial personnel. Unless stated below, estimates of possible losses or ranges of loss for particular matters cannot in the ordinary course be made with a reasonable degree of certainty. Liabilities are established when it is probable that a loss has been incurred and the amount of the loss can be reasonably estimated. Liabilities have been established for a number of the matters noted below. In 2009, the Company increased legal liabilities for litigation matters pending against the Company. It is possible that some of the matters could require the Company to pay damages or make other expenditures or establish accruals in amounts that could not be estimated at December31, 2009. Asbestos-Related Claims MLIC is and has been a defendant in a large nu

Employee Benefit Plans

Employee Benefit Plans
	12 Months Ended Dec. 31, 2009 USD / shares
Employee Benefit Plans [Abstract]
Employee Benefit Plans	17. Employee Benefit Plans Pension and Other Postretirement Benefit Plans The Subsidiaries sponsor and/or administer various qualified and non-qualified defined benefit pension plans and other postretirement employee benefit plans covering employees and sales representatives who meet specified eligibility requirements. Pension benefits are provided utilizing either a traditional formula or cash balance formula. The traditional formula provides benefits based upon years of credited service and final average earnings. The cash balance formula utilizes hypothetical or notional accounts which credit participants with benefits equal to a percentage of eligible pay, as well as earnings credits, determined annually based upon the average annual rate of interest on 30-year U.S.Treasury securities, for each account balance. At December31, 2009, the majority of active participants are accruing benefits under the cash balance formula; however, approximately 92% of the Subsidiaries obligations result from benefits calculated with the traditional formula. The non-qualified pension plans provide supplemental benefits in excess of limits applicable to a qualified plan. The Subsidiaries also provide certain postemployment benefits and certain postretirement medical and life insurance benefits for retired employees. Employees of the Subsidiaries who were hired prior to 2003 (or, in certain cases, rehired during or after 2003)and meet age and service criteria while working for one of the Subsidiaries may become eligible for these other postretirement benefits, at various levels, in accordance with the applicable plans. Virtually all retirees, or their beneficiaries, contribute a portion of the total cost of postretirement medical benefits. Employees hired after 2003 are not eligible for any employer subsidy for postretirement medical benefits. A December 31 measurement date is used for all of the Subsidiaries defined benefit pension and other postretirement benefit plans. Obligations, Funded Status and Net Periodic Benefit Costs Other Pension Postretirement Benefits Benefits December31, 2009 2008 2009 2008 (In millions) Change in benefit obligation: Benefit obligation at beginning of year $ 6,041 $ 5,722 $ 1,632 $ 1,599 Service cost 170 164 22 21 Interest cost 395 379 125 103 Plan participants contributions 30 31 Net actuarial losses 421 129 351 16 Settlements and curtailments 12 Change in benefits (6 ) (1 ) (167 ) 1 Prescription drug subsidy 12 10 Benefits paid (384 ) (352 ) (158 ) (149 )

Equity

Equity
	12 Months Ended Dec. 31, 2009 USD / shares
Equity [Abstract]
Equity	18. Equity Preferred Stock In September 1999, the Holding Company adopted a stockholder rights plan (the rights plan). Under the rights plan, each outstanding share of common stock issued between April4, 2000 and the distribution date (as defined in the rights plan) is coupled with a stockholder right. Each right will entitle the holder to purchase one one-hundredth of a share of SeriesA Junior Participating Preferred Stock. Each one one-hundredth of a share of SeriesA Junior Participating Preferred Stock will have economic and voting terms equivalent to one share of common stock. Until it is exercised, the right itself will not entitle the holder thereof to any rights as a stockholder, including the right to receive dividends or to vote at stockholder meetings. Stockholder rights are not exercisable until the distribution date. The rights plan will expire at the close of business on April4, 2010, unless the rights are earlier redeemed or exchanged by the Holding Company. The Board of Directors of the Holding Company does not currently intend to renew it. The Holding Company has outstanding 24million shares of Floating Rate Non-Cumulative Preferred Stock, SeriesA (the SeriesA preferred shares) with a $0.01par value per share, and a liquidation preference of $25pershare, for aggregate proceeds of $600million. The Holding Company has outstanding 60million shares of 6.50% Non-Cumulative Preferred Stock, SeriesB (the SeriesB preferred shares), with a $0.01par value per share, and a liquidation preference of $25 per share, for aggregate proceeds of $1.5billion. The SeriesA and SeriesB preferred shares (the Preferred Shares) rank senior to the common stock with respect to dividends and liquidation rights. Dividends on the Preferred Shares are not cumulative. Holders of the Preferred Shares will be entitled to receive dividend payments only when, as and if declared by the Holding Companys Board of Directors or a duly authorized committee of the board. If dividends are declared on the SeriesA preferred shares, they will be payable quarterly, in arrears, at an annual rate of the greater of: (i)1.00% above 3-month LIBOR on the related LIBOR determination date; or (ii)4.00%. Any dividends declared on the SeriesB preferred shares will be payable quarterly, in arrears, at an annual fixed rate of 6.50%. Accordingly, in the event that dividends are not declared on the Preferred Shares for payment on any dividend payment date, then those dividends will cease to accrue and be payable. If a dividend is not declared before the dividend payment date, the Holding Company has no obligation to pay dividends accrued for that dividend period whether or not dividends are declared and paid in future periods. No dividends may, however, be paid or declared on the Holding Companys common stock or any other securities ranking junior to the Preferred Shares unless the full dividends for the latest completed dividend period on all Preferred Shares, and any parity stock, have been declared and paid or provided for. The Holding Company is prohibited from declaring dividends on the Preferred Shares if it fails to meet specified capital

Other Expenses

Other Expenses
	12 Months Ended Dec. 31, 2009 USD / shares
Other Expenses [Abstract]
Other Expenses	19. Other Expenses Information on other expenses is as follows: Years Ended December31, 2009 2008 2007 (In millions) Compensation $ 3,804 $ 3,368 $ 3,362 Commissions 3,433 3,384 3,207 Interest and debt issue costs 1,083 1,086 987 Interest credited to bank deposits 163 166 200 Amortization of DAC and VOBA 1,307 3,489 2,250 Capitalization of DAC (3,019 ) (3,092 ) (3,064 ) Rent, net of sublease income 479 477 373 Insurance tax 550 497 503 Other 2,756 2,572 2,587 Total other expenses $ 10,556 $ 11,947 $ 10,405 Interest and Debt Issue Costs See Notes11, 12, 13 and 14 for attribution of interest expense by debt issuance. Includes interest expense on tax audits of $39million, $35million and $90million, respectively. Amortization and Capitalization of DAC and VOBA See Note6 for deferred acquisition costs by segment and a rollforward of deferred acquisition costs including impacts of amortization and capitalization. See also Note10 for a description of the DAC amortization impact associated with the closed block. Lease Impairments See Note16 for description of lease impairments included within other expenses. Restructuring Charges In September 2008, the Company began an enterprise-wide cost reduction and revenue enhancement initiative which is expected to be fully implemented by December31, 2010. This initiative is focused on reducing complexity, leveraging scale, increasing productivity and improving the effectiveness of the Companys operations, as well as providing a foundation for future growth. These restructuring costs were included in other expenses. As the expenses relate to an enterprise-wide initiative, they were incurred within Banking, Corporate Other. Estimated restructuring costs may change as management continues to execute its restructuring plans. Restructuring charges associated with this enterprise-wide initiative are as follows: Years Ended December31, 2009 2008 (In millions) Balance, beginning of period $ 86 $ Severance charges 84 109 Change in severance charge estimates (8 ) (8 ) Cash payments (126 ) (15 ) Balance, end of period $ 36 $ 86 Restructuring charges incurred in current period $ 76 $ 101 Total restructuring charges incurred since inception of program $ 177 $ 101 For both years ended December31, 2009 and 2008, the change in severance charge estimates was $8million due to lower anticipa

Earnings Per Common Share

Earnings Per Common Share
	12 Months Ended Dec. 31, 2009 USD / shares
Earnings Per Common Share [Abstract]
Earnings Per Common Share	20. Earnings Per Common Share The following table presents the weighted average shares used in calculating basic earnings per common share and those used in calculating diluted earnings per common share for each income category presented below: Years Ended December31, 2009 2008 2007 (In millions, except share and per share data) Weighted Average Shares: Weighted average common stock outstanding for basic earnings per common share 818,462,150 735,184,337 744,153,514 Incremental common shares from assumed: Stock purchase contracts underlying common equity units(1) 2,043,553 7,138,900 Exercise or issuance of stock-based awards (2) 7,557,540 10,971,585 Weighted average common stock outstanding for diluted earnings per common share 818,462,150 744,785,430 762,263,999 Income (Loss) from Continuing Operations: Income (loss) from continuing operations, net of income tax $ (2,318 ) $ 3,481 $ 4,105 Less: Income (loss) attributable to noncontrolling interests, net of income tax (32 ) (25 ) 7 Less: Preferred stock dividends 122 125 137 Income (loss) from continuing operations, net of income tax, available to MetLife, Inc.s common shareholders $ (2,408 ) $ 3,381 $ 3,961 Basic $ (2.94 ) $ 4.60 $ 5.32 Diluted $ (2.94 ) $ 4.54 $ 5.20 Income from Discontinued Operations: Income (loss) from discontinued operations, net of income tax $ 40 $ (203 ) $ 360 Less: Income from discontinued operations, net of income tax, attributable to noncontrolling interests 94 141 Income (loss) from discontinued operations, net of income tax, available to MetLife, Inc.s common shareholders $ 40 $ (297 ) $ 219 Basic $ 0.05 $ (0.41 ) $ 0.30 Diluted $ 0.05 $ (0.40 ) $ 0.28 Net Income (Loss): Net income (loss) $ (2,278 ) $ 3,278 $ 4,465 Less: Net income (loss) attributable to noncontrolling interests (32 ) 69 148 Less: Preferred stock dividends 122 125 137 Net income (loss) available to MetLife, Inc.s common shareholders $ (2,368 ) $ 3,084 $ 4,180

Quarterly Results of Operations

Quarterly Results of Operations (Unaudited)
	12 Months Ended Dec. 31, 2009 USD / shares
Quarterly Results of Operations (Unaudited) [Abstract]
Quarterly Results of Operations (Unaudited)	21. Quarterly Results of Operations (Unaudited) The unaudited quarterly results of operations for 2009 and 2008 are summarized in the table below: Three Months Ended March31, June30, September30, December31, (In millions, except per share data) 2009 Total revenues $ 10,214 $ 8,265 $ 10,238 $ 12,341 Total expenses $ 11,176 $ 10,640 $ 11,413 $ 12,162 Income (loss) from continuing operations, net of income tax $ (585 ) $ (1,419 ) $ (624 ) $ 310 Income (loss) from discontinued operations, net of income tax $ 37 $ 1 $ (1 ) $ 3 Net income (loss) $ (548 ) $ (1,418 ) $ (625 ) $ 313 Less: Net income (loss) attributable to noncontrolling interests $ (4 ) $ (16 ) $ (5 ) $ (7 ) Net income (loss) attributable to MetLife, Inc. $ (544 ) $ (1,402 ) $ (620 ) $ 320 Less: Preferred stock dividends $ 30 $ 31 $ 30 $ 31 Net income (loss) available to MetLife, Inc.s common shareholders $ (574 ) $ (1,433 ) $ (650 ) $ 289 Basic earnings per share: Income (loss) from continuing operations available to MetLife, Inc.s common shareholders $ (0.76 ) $ (1.74 ) $ (0.79 ) $ 0.35 Income (loss) from discontinued operations, net of income tax, attributable to MetLife, Inc. $ 0.05 $ $ $ Net income (loss) attributable to MetLife, Inc. $ (0.67 ) $ (1.71 ) $ (0.75 ) $ 0.39 Net income (loss) available to MetLife, Inc.s common shareholders $ (0.71 ) $ (1.74 ) $ (0.79 ) $ 0.35 Diluted earnings per share: Income (loss) from continuing operations available to MetLife, Inc.s common shareholders $ (0.76 ) $ (1.74 ) $ (0.79 ) $ 0.35 Income (loss) from discontinued operations, net of income tax, attributable to MetLife, Inc. $ 0.05 $ $ $ Net income (loss) attributable to MetLife, Inc. $ (0.67 ) $ (1.71 ) $ (0.75 ) $ 0.39 Net income (loss) available to MetLife, Inc.s common shareholders $ (0.71 ) $ (1.74 ) $ (0.79 ) $ 0.35 2008 (1) Total revenues $ 11,622 $ 12,049 $ 13,351 $ 13,962 Total expenses $ 10,792 $ 10,828 $ 11,772 $ 12,531 Income (loss) from continuing operations, net of income tax $ 624 $ 879 $ 1,050

Business Segment Information

Business Segment Information
	12 Months Ended Dec. 31, 2009 USD / shares
Business Segment Information [Abstract]
Business Segment Information	22. Business Segment Information As further described in Note1, during 2009 MetLife combined its former institutional and individual businesses, as well as its auto home unit, into a single U.S.Business organization. U.S.Business consists of Insurance Products, Retirement Products, Corporate Benefit Funding and Auto Home segments. The Company also has an International segment. In addition, the Company reports certain of its results of operations in Banking, Corporate Other. Insurance Products offers a broad range of protection products and services to individuals, corporations and other institutions, and is organized into three distinct businesses: Group Life, Individual Life and Non-Medical Health. Group Life insurance products and services include variable life, universal life and term life. Individual Life includes variable life, universal life, term life and whole life insurance products. Non-Medical Health includes short- and long-term disability, long-term care, and dental insurance, and other insurance products. Retirement Products offers asset accumulation and income products, including a wide variety of annuities. Corporate Benefit Funding offers pension risk solutions, structured settlements, stable value investment products and other benefit funding products. Auto Home provides personal lines property and casualty insurance, including private passenger automobile, homeowners and personal excess liability insurance. International provides life insurance, accident and health insurance, annuities and retirement products to both individuals and groups. Banking, Corporate Other contains the excess capital not allocated to the business segments, the results of operations of MetLife Bank, various start-up entities and run-off entities, as well as interest expense related to the majority of the Companys outstanding debt and expenses associated with certain legal proceedings and income tax audit issues. Banking, Corporate Other also includes the elimination of intersegment amounts, which generally relate to intersegment loans, which bear interest rates commensurate with related borrowings. The operations of RGA are also reported in Banking, Corporate Other as discontinued operations. See Note23 for disclosures regarding discontinued operations, including real estate. Operating earnings is the measure of segment profit or loss the Company uses to evaluate segment performance and allocate resources. Consistent with GAAP accounting guidance for segment reporting, it is the Companys measure of segment performance reported below. Operating earnings is not determined in accordance with GAAP and should not be viewed as a substitute for GAAP income (loss) from continuing operations, net of income tax. However, the Company believes the presentation of operating earnings herein as we measure it for management purposes enhances the understanding of segment performance by highlighting the results from operations and the underlying profitability drivers of the businesses. Operating earnings is defined as operating revenues less operating expenses, net of income tax. Operating revenues is defined as GAAP re

Discontinued Operations

Discontinued Operations
	12 Months Ended Dec. 31, 2009 USD / shares
Discontinued Operations [Abstract]
Discontinued Operations	23. Discontinued Operations Real Estate The Company actively manages its real estate portfolio with the objective of maximizing earnings through selective acquisitions and dispositions. Income related to real estate classified as held-for-sale or sold is presented in discontinued operations. These assets are carried at the lower of depreciated cost or estimated fair value less expected disposition costs. The following information presents the components of income from discontinued real estate operations: Years Ended December31, 2009 2008 2007 (In millions) Revenues Investment income $ 9 $ 13 $ 28 Investment expense (2 ) (4 ) (10 ) Net investment gains (losses) 8 8 13 Total revenues 15 17 31 Provision for income tax 5 6 13 Income from discontinued operations, net of income tax $ 10 $ 11 $ 18 The carrying value of real estate related to discontinued operations was $44million and $51million at December31, 2009 and 2008, respectively. Operations Texas Life Insurance Company During the fourth quarter of 2008, the Holding Company entered into an agreement to sell its wholly-owned subsidiary, Cova, the parent company of Texas Life, to a third-party and the sale occurred in March 2009. (See also Note2.) The following tables present the amounts related to the operations of Cova that have been reflected as discontinued operations in the consolidated statements of operations and balance sheet: Years Ended December31, 2009 2008 2007 (In millions) Revenues: Premiums $ 3 $ 17 $ 15 Universal life and investment-type product policy fees 15 81 72 Net investment income 6 38 39 Other revenues 1 Net investment gains (losses) 1 (2 ) 16 Total revenues 25 134 143 Expenses: Policyholder benefits and claims 10 70 56 Interest credited to policyholder account balances 3 17 17 Policyholder dividends 1 3 3 Other expenses 5 29 29 Total expenses 19 119 105 Income before provision for income tax 6 15 38 Provision for income tax 2 4 13 Income from operations of discontinued operations, net of income tax

Subsequent Events

Subsequent Events
	12 Months Ended Dec. 31, 2009 USD / shares
Subsequent Events [Abstract]
Subsequent Events	24. Subsequent Events The Company evaluated the recognition and disclosure of subsequent events for its December31, 2009 consolidated financial statements. On February18, 2010, the Holding Companys Board of Directors announced dividends of $0.2500000 per share, for a total of $6million, on its SeriesA preferred shares, and $0.4062500 per share, for a total of $24million, on its SeriesB preferred shares, subject to the final confirmation that it has met the financial tests specified in the SeriesA and SeriesB preferred shares, which the Company anticipates will be made on or about March5, 2010, the earliest date permitted in accordance with the terms of the securities. Both dividends will be payable March15, 2010 to shareholders of record as of February28, 2010.

Consolidated Summary of Investm

Consolidated Summary of Investments - Other Than Investments in Related Parties
	12 Months Ended Dec. 31, 2009 USD / shares
Consolidated Summary of Investments - Other Than Investments in Related Parties [Abstract]
Consolidated Summary of Investments - Other Than Investments in Related Parties	Summary Of Investments Other Than Investments In Related Parties MetLife, Inc. ScheduleI Consolidated Summary of Investments Other Than Investments in Related Parties December31, 2009 (In millions) Amount at Cost or Estimated Which Shown on Type of Investments Amortized Cost (1) Fair Value Balance Sheet Fixed maturity securities: Bonds: U.S. Treasury, agency and government guaranteed securities $ 25,712 $ 25,447 $ 25,447 Foreign government securities 11,010 11,947 11,947 Public utilities 10,156 10,365 10,365 State and political subdivision securities 7,468 7,208 7,208 All other corporate bonds 92,963 94,637 94,637 Total bonds 147,309 149,604 149,604 Mortgage-backed and asset-backed securities 76,170 72,804 72,804 Redeemable preferred stock 6,210 5,215 5,215 Other fixed maturity securities 20 19 19 Total fixed maturity securities 229,709 227,642 227,642 Trading securities 2,249 2,384 2,384 Equity securities: Non-redeemable preferred stock 1,650 1,463 1,463 Common stock: Public utilities 60 68 68 Industrial, miscellaneous and all other 1,473 1,548 1,548 Banks, trust and insurance companies 4 5 5 Total equity securities 3,187 3,084 3,084 Mortgage loans: Held-for-investment 48,181 48,181 Held-for-sale 2,728 2,728 Mortgage loans, net 50,909 50,909 Policy loans 10,061 10,061 Real estate and real estate joint ventures 6,769 6,769 Real estate acquired in satisfaction of debt 127 127 Other limited partnership interests 5,508 5,508 Short-term investments 8,374 8,374 Other invested assets 12,709 12,709 Total investments $ 329,602 $ 327,567 (1) The Companys trading securities portfolio is mainly comprised of fixed maturity and equity securities. Cost or amortized cost for fixed maturity

Condensed Financial Information

Condensed Financial Information of Registrant
	12 Months Ended Dec. 31, 2009 USD / shares
Condensed Financial Information of Registrant [Abstract]
Condensed Financial Information of Registrant	Condensed Financial Information Of Parent Company Only Disclosure MetLife, Inc. ScheduleII Condensed Financial Information of Registrant December31, 2009 and 2008 (In millions, except share and per share data) 2009 2008 Condensed Balance Sheets Assets Investments: Fixed maturity securities available-for-sale, at estimated fair value (amortized cost: $3,173 and $1,504, respectively) $ 3,187 $ 1,391 Equity securities available-for-sale, at estimated fair value (cost: $20 and $20, respectively) 17 8 Short-term investments 303 1,073 Other invested assets 37 39 Total investments 3,544 2,511 Cash and cash equivalents 679 678 Accrued investment income 36 29 Investment in subsidiaries 42,997 33,203 Loans to subsidiaries 1,575 1,200 Receivables from subsidiaries 11 1 Other assets 991 974 Total assets $ 49,833 $ 38,596 Liabilities and Stockholders Equity Liabilities: Payables for collateral under securities loaned and other transactions $ 427 $ 343 Short-term debt 300 Long-term debt unaffiliated 10,458 7,660 Long-term debt affiliated 500 500 Collateral financing arrangements 2,797 2,692 Junior subordinated debt securities 1,748 2,315 Other liabilities 782 1,052 Total liabilities $ 16,712 $ 14,862 Stockholders Equity: Preferred stock, par value $0.01 per share; 200,000,000shares authorized; 84,000,000shares issued and outstanding; $2,100 aggregate liquidation preference 1 1 Common stock, par value $0.01 per share; 3,000,000,000shares authorized; 822,359,818 and 798,016,664shares issued at December31, 2009 and 2008, respectively; 818,833,810 and 793,629,070shares outstanding at December31, 2009 and 2008, respectively 8 8 Additional paid-in capital 16,859 15,811 Retained earnings 19,501 22,403 Treasury stock, at cost; 3,526,008 and 4,387,594shares at December31, 2009 and 2008, respectively (190 ) (236 ) Accumulated other comprehensive loss (3,058 ) (14,253 ) Total stockholders equity 33,121 23,734 Total liabilities and stockholders equity $ 49,833 $ 38,596 See accompanying notes to the condensed financial information. MetLife, Inc. ScheduleII Condensed Financial Information of Registrant (Continue

Consolidated Supplementary Insu

Consolidated Supplementary Insurance Information
	12 Months Ended Dec. 31, 2009 USD / shares
Consolidated Supplementary Insurance Information [Abstract]
Consolidated Supplementary Insurance Information	Supplementary Insurance Information For Insurance Companies Disclosure MetLife, Inc. ScheduleIII Consolidated Supplementary Insurance Information December31, 2009, 2008 and 2007 (In millions) Future Policy Benefits, Other DAC Policyholder Funds Policyholder Policyholder and and Policyholder Account Dividends Unearned Segment VOBA Dividend Obligation Balances Payable Revenue (1) 2009 U.S. Business: Insurance Products $ 10,103 $ 76,959 $ 28,118 $ 761 $ 1,123 Retirement Products 6,023 4,081 46,821 79 Corporate Benefit Funding 75 41,830 55,556 62 Auto Home 181 3,156 Total U.S. Business 16,382 126,026 130,495 761 1,264 International 2,870 12,467 8,128 805 Banking, Corporate Other 4 5,832 50 Total $ 19,256 $ 144,325 $ 138,673 $ 761 $ 2,069 2008 U.S. Business: Insurance Products $ 11,555 $ 74,528 $ 26,510 $ 1,023 $ 1,213 Retirement Products 5,888 3,743 44,282 54 Corporate Benefit Funding 75 40,931 66,409 73 Auto Home 183 3,126 Total U.S. Business 17,701 122,328 137,201 1,023 1,340 International 2,436 10,468 5,654 583 Banking, Corporate Other 7 5,521 66 Total $ 20,144 $ 138,317 $ 142,921 $ 1,023 $ 1,923 2007 U.S. Business: Insurance Products $ 9,327 $ 73,396 $ 26,192 $ 991 $ 1,200 Retirement Products 5,549 3,132 37,784 38 Corporate Benefit Funding 85 38,679 56,874 56

Consolidated Reinsurance

Consolidated Reinsurance
	12 Months Ended Dec. 31, 2009 USD / shares
Consolidated Reinsurance [Abstract]
Consolidated Reinsurance	Supplemental Schedule Of Reinsurance Premiums For Insurance Companies MetLife, Inc. ScheduleIV Consolidated Reinsurance December31, 2009, 2008 and 2007 (In millions) % Amount Assumed Gross Amount Ceded Assumed Net Amount to Net 2009 Life insurance in-force $ 3,800,380 $ 715,405 $ 740,196 $ 3,825,171 19.4 % Insurance premium Life insurance $ 17,594 $ 1,816 $ 1,223 $ 17,001 7.2 % Accident and health 6,897 430 79 6,546 1.2 % Property and casualty insurance 2,981 79 11 2,913 0.4 % Total insurance premium $ 27,472 $ 2,325 $ 1,313 $ 26,460 5.0 % 2008 Life insurance in-force $ 3,697,999 $ 715,741 $ 684,281 $ 3,666,539 18.7 % Insurance premium Life insurance $ 17,252 $ 2,066 $ 1,224 $ 16,410 7.5 % Accident and health 6,741 444 226 6,523 3.5 % Property and casualty insurance 3,065 100 16 2,981 0.5 % Total insurance premium $ 27,058 $ 2,610 $ 1,466 $ 25,914 5.7 % 2007 Life insurance in-force $ 3,368,637 $ 566,998 $ 489,340 $ 3,290,979 14.9 % Insurance premium Life insurance $ 15,184 $ 1,819 $ 965 $ 14,330 6.7 % Accident and health 5,900 436 201 5,665 3.5 % Property and casualty insurance 3,065 116 26 2,975 0.9 % Total insurance premium $ 24,149 $ 2,371 $ 1,192 $ 22,970 5.2 %