Better Health for All

MetLife's core business includes health, dental, disability, and accident insurance, which provide financial protection for health-related events. The company's 360Health program, expanded to Nepal and the UAE in 2023, offers direct health services such as AI-backed health assessments, diabetes risk monitoring, exercise and nutrition tips, online doctor consultations, and prescription deliveries, with over 1 million users in Asia

. These offerings indicate a strategic focus on substantial health benefits. As a financial services company, MetLife's primary products do not generate revenue from activities with negative health outcomes, nor do they have direct safety implications for users or significant negative health externalities from operations. The company does not hold healthcare-related patents, produce food or nutritional products, offer products with addiction potential, or conduct clinical trials. While MetLife Foundation supports physical and mental well-being through grants and challenges, specific investment percentages or direct impact metrics are not provided for scoring related KPIs.

Fair Pay & Worker Respect

In May 2023, MetLife agreed to a $32.5 million settlement in litigation accusing the company of racial discrimination against African American financial service representatives

. The company increased its U.S. minimum wage to $20 per hour in August 2021 . MetLife conducts annual pay equity reviews in the U.S. to examine and adjust for differences in pay between persons of different genders, races, and ethnicities . A U.S.-based employee survey conducted in June-July 2025 showed an employee engagement score of 66% .

Fair Trade & Ethical Sourcing

MetLife, as a financial services company, does not procure physical commodities, thus having no material sourcing of at-risk inputs. The company spent $180.3 million with diverse suppliers in 2023

and has a goal to spend $5 billion by 2030. It also maintains a Supplier Code of Business Ethics and a Third-Party Risk Management program. However, the provided articles do not contain specific quantitative data points for other KPIs, such as the percentage of fair-trade certified spend, supplier audit frequency, number of forced or child labor incidents, traceability coverage, remediation speed, percentage of contracts with ethical clauses, or the percentage of the total procurement budget directed to diverse suppliers.

Honest & Fair Business

MetLife faced fraud charges in 2024 for mishandling pension payments

, including failing to contact beneficiaries and assuming some as 'presumed dead,' which led to misleading financial statements . In 2023, the company faced an age discrimination lawsuit from a former employee , which was allowed to proceed . Additionally, a class-action lawsuit was filed in January 2023, alleging MetLife improperly retained approximately $65 million in drug rebates from 2016 to 2021 , though a court review in August 2023 expressed skepticism about these claims . MetLife maintains a Global Anti-Bribery and Corruption Policy with a zero-tolerance stance , and in 2023, over 99% of its employees completed ethics training covering topics such as anti-money laundering and data protection .

Kind to Animals

MetLife demonstrates significant positive impact in wildlife conservation. MetLife Australia partnered with the Australian Wildlife Conservancy (AWC) for a three-year program supporting rewilding and reintroduction of native species across AWC's 9 sanctuaries, covering over 12.9 million hectares and supporting 1,800 threatened species.

Globally, MetLife has planted 2.4 million trees since 2020 towards a pledge of 5 million by 2030, with specific projects in Brazil, China, Madagascar, and North Carolina in 2024. The company also supports beehive programs at office locations and sustainable forest management, and has given $13.2 million toward environmental causes since 2020. In public policy engagement, MetLife Pet Insurance collaborates with the Association of Animal Welfare Advancement (AAWA) and the Human Animal Bond Research Institute (HABRI) to develop content highlighting issues pet parents face regarding access to veterinary care, including potential legislation, and advocates for policies that support pet owners. MetLife also sponsors the Golden Beagle Award, providing a $20,000 grant to innovative animal welfare organizations. For other animal welfare KPIs, MetLife's core business as a financial services company means activities like animal testing, animal agriculture, or animal-derived product sourcing are not applicable.

No War, No Weapons

MetLife's core business is life and health insurance, annuities, and employee benefits.

The company explicitly states it does not produce or supply weapons, nor does it generate revenue from arms production or military contracts, thus having 0% revenue from such activities. Its financial services are unrelated to military supplies, and it avoids involvement in war or weapons manufacturing. Due to the nature of its business, the company has no dual-use technology, exports requiring end-user certificates, AI with military applications, or mineral inputs. There are no defense assets to divest, no need for ethical red lines related to weapons, and no direct defense procurement or operations in conflict regions. While MetLife supports veterans through initiatives like a $40.5 million investment in affordable housing and support services, there is no evidence of direct peacebuilding or disarmament initiatives as a percentage of revenue. The company also entered a pension risk transfer agreement in January 2020 with Lockheed Martin to provide annuity benefits to retirees, which manages benefits rather than contributing to military activities.

Planet-Friendly Business

MetLife has achieved green or healthy building certifications for 48% of its global offices.

Approximately 50% of MetLife's suppliers, by spend, have set emissions-reduction goals aligned with the aims of the Paris Agreement. The company has an ambition to achieve Net Zero greenhouse gas emissions across its global operations and investment portfolio by 2050. MetLife achieved carbon neutrality in 2016, becoming the first U.S.-based insurer to do so. Between 2019 and 2023, the company reduced greenhouse gas emissions across Scope 1, 2, and 3 business travel from its offices and operations by 44%. MetLife committed to originating $20 billion in new green investments by 2030. Since 2020, MetLife has planted over 1.6 million trees and has been recognized as an ENERGY STAR Partner of the Year for five consecutive years.

Respect for Cultures & Communities

MetLife has no reported cultural appropriation incidents.

However, the company's approach to cultural incidents has been reactive, with improvements in oversight, including updated grievance mechanisms and risk-assessment tools, made as a direct result of past controversies.

Safe & Smart Tech

MetLife experienced multiple data breaches within the past three years. These include the MOVEit hack affecting 600,000 records,

a November 2024 breach exposing nearly 600,000 personal records, and a service provider breach in early 2024 involving sensitive customer information with delayed disclosure. Additionally, a claimed RansomHub breach in late 2023/early 2024 allegedly involved 1 TB of data from its Latin American division. MetLife has a Global Responsible AI Policy based on seven principles, including fairness and transparency, and provides an AI Academy for employees to learn about responsible AI. In 2023, MetLife dedicated $225 million to cybersecurity, which represents approximately 0.34% of its $67 billion annual revenue. The company conducts mandatory cybersecurity and privacy training annually for all employees, utilizing advanced methods like live-fire cyber exercises and tabletop exercises, and measures success by increased confidence and practical skill application. MetLife experienced at least two incidents of unauthorized data use in late 2023/early 2024. MetLife mandates annual penetration testing for all its vendors. and uses live-fire exercises to test incident response. The company maintains global privacy and information security programs and filed a notice of data breach with the Attorney General of Montana in August 2024. A 2019 consent order with the NYDFS related to unclaimed property resulted in a fine and customer restitution.

Zero Waste & Sustainable Products

MetLife has implemented several waste reduction initiatives. The company has significantly reduced paper usage by transitioning to digital documentation and communications

, with digital claims processing in Chile increasing to 91% in 2023 . U.S. operations have eliminated plastic in dining and catering services , and eight offices have adopted composting programs . Additionally, MetLife employees dedicated over 10,000 volunteer hours to a litter pickup initiative .