MetLife, Inc. (MET) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.816 Also available to participate in the discussion are other members of senior management. 00:00:05.816 -- 00:00:10.961 Last night, we released an earnings call presentation, which addresses the quarter 00:00:10.961 -- 00:00:15.485 as well as our near-term outlook. It is available on our website. 00:00:15.485 -- 00:00:19.728 John McCallion will speak to this presentation in his prepared remarks. 00:00:19.728 -- 00:00:24.773 An appendix to the deck features outlook sensitivities, disclosures, gap 00:00:24.773 -- 00:00:29.360 reconciliations, and other information which you should also review. 00:00:29.360 -- 00:00:34.548 After prepared remarks, we will have a Q&A session, which will end promptly at the top 00:00:34.548 -- 00:00:40.437 of the hour. As a reminder, please limit yourself to one question and one follow-up. 00:00:40.437 -- 00:00:43.559 With that, over to Michel. 00:00:43.622 -- 00:00:46.206 Thank you, John, and good morning, everyone. 00:00:46.206 -- 00:00:51.174 When we launched New Frontier a year ago, we introduced four strategic priorities with 00:00:51.174 -- 00:00:56.242 a greater emphasis on growth. Over the past 12 months, we have advanced 00:00:56.242 -- 00:01:01.841 these strategic priorities growing our business responsibly, deploying capital soundly, 00:01:01.841 -- 00:01:07.068 and operating with speed and discipline, all while navigating a dynamic market and economic 00:01:07.068 -- 00:01:08.871 environment. 00:01:08.871 -- 00:01:14.159 Reinforcing our market leadership, our best-in-class group benefits business added approximately 00:01:14.159 -- 00:01:19.567 $600 million of new adjusted premiums, fees, and other revenues in 2025, 00:01:19.567 -- 00:01:24.119 with higher margin voluntary PFOs rising 10% year o...