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Policyholder Account Balances - LDTI Rollforward (Details) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Policyholder Account Balance [Roll Forward] |  |  |
Balance, beginning of period | $ 219,269 |  |
Interest credited | 8,484 | $ 7,970 | $ 3,771
Balance, end of period | 221,445 | 219,269 |
Group Life - Term | Group Benefits |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Balance, beginning of period | 7,692 | 8,028 | 7,893
Deposits | 3,720 | 3,311 | 3,361
Policy charges | (658) | (635) | (612)
Surrenders and withdrawals | (3,296) | (3,192) | (2,744)
Benefit payments | (13) | (12) | (10)
Net transfers from (to) separate accounts | (3) | 0 | (2)
Interest credited | 190 | 192 | 142
Balance, end of period | $ 7,632 | $ 7,692 | $ 8,028
Weighted-average annual crediting rate | 2.50% | 2.50% | 1.80%
Cash surrender value at period end | $ 7,569 | $ 7,630 | $ 7,974
Group Life - Term | In the event of death | Group Benefits |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Net amount at risk | 263,198 | 250,033 | 244,638
Capital Markets Investment Products and Stable Value GICs | RIS |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Balance, beginning of period | 64,140 | 63,723 | 62,521
Deposits | 73,103 | 69,229 | 81,050
Surrenders and withdrawals | (74,974) | (71,938) | (80,382)
Interest credited | 2,424 | 2,091 | 1,276
Effect of foreign currency translation and other, net | (978) | 1,035 | (742)
Balance, end of period | $ 63,715 | $ 64,140 | $ 63,723
Weighted-average annual crediting rate | 3.90% | 3.30% | 2.00%
Cash surrender value at period end | $ 1,936 | $ 2,126 | $ 2,071
Annuities and Risk Solutions | RIS |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Balance, beginning of period | 17,711 | 15,549 | 14,431
Deposits | 3,747 | 2,734 | 1,843
Policy charges | (138) | (178) | (153)
Surrenders and withdrawals | (527) | (210) | (120)
Benefit payments | (961) | (812) | (739)
Net transfers from (to) separate accounts | 3 | 53 | (26)
Interest credited | 761 | 637 | 543
Other | 103 | (62) | (230)
Balance, end of period | $ 20,699 | $ 17,711 | $ 15,549
Weighted-average annual crediting rate | 4.00% | 3.90% | 3.70%
Cash surrender value at period end | $ 9,396 | $ 7,912 | $ 7,331
Annuities and Risk Solutions | In the event of death | RIS |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Net amount at risk | 43,786 | 40,397 | 40,607
Universal and Variable Universal Life | Asia |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Balance, beginning of period | 49,739 | 46,417 | 46,590
Deposits | 5,885 | 7,595 | 5,673
Policy charges | (1,046) | (1,210) | (1,103)
Surrenders and withdrawals | (3,171) | (2,959) | (2,993)
Benefit payments | (451) | (508) | (502)
Interest credited | 1,517 | 1,408 | 1,066
Effect of foreign currency translation and other, net | (1,672) | (1,004) | (2,314)
Balance, end of period | $ 50,801 | $ 49,739 | $ 46,417
Weighted-average annual crediting rate | 3.10% | 3.00% | 2.30%
Cash surrender value at period end | $ 44,685 | $ 42,577 | $ 39,737
Universal and Variable Universal Life | In the event of death | Asia |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Net amount at risk | 86,683 | 93,172 | 95,412
Fixed Annuity | Asia |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Balance, beginning of period | 36,863 | 32,454 | 30,976
Deposits | 6,221 | 8,115 | 7,813
Policy charges | (2) | (2) | (2)
Surrenders and withdrawals | (2,760) | (2,344) | (4,024)
Benefit payments | (2,208) | (2,156) | (2,014)
Interest credited | 1,070 | 866 | 623
Effect of foreign currency translation and other, net | (763) | (70) | (918)
Balance, end of period | $ 38,421 | $ 36,863 | $ 32,454
Weighted-average annual crediting rate | 2.90% | 2.50% | 2.00%
Cash surrender value at period end | $ 34,105 | $ 31,936 | $ 27,902
Fixed Annuity | MetLife Holdings |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Balance, beginning of period | 11,537 | 13,286 | 14,398
Deposits | 167 | 176 | 233
Policy charges | (13) | (15) | (16)
Surrenders and withdrawals | (1,688) | (1,981) | (1,494)
Benefit payments | (390) | (420) | (415)
Net transfers from (to) separate accounts | 146 | 72 | 198
Interest credited | 349 | 396 | 406
Other | 34 | 23 | (24)
Balance, end of period | $ 10,142 | $ 11,537 | $ 13,286
Weighted-average annual crediting rate | 3.30% | 3.30% | 3.00%
Cash surrender value at period end | $ 9,555 | $ 10,904 | $ 12,373
Fixed Annuity | In the event of death | Asia |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Net amount at risk | 1 | 73 | 1
Fixed Annuity | In the event of death | MetLife Holdings |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Net amount at risk | 2,540 | 2,821 | 4,354
Fixed Annuity | At annuitization or exercise of other living benefits | MetLife Holdings |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Net amount at risk | 750 | 688 | 960
Variable Annuity | EMEA |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Balance, beginning of period | 2,720 | 2,802 | 4,215
Deposits | 3 | 4 | 5
Policy charges | (57) | (63) | (73)
Surrenders and withdrawals | (277) | (285) | (313)
Benefit payments | (126) | (125) | (137)
Interest credited | 115 | 228 | (465)
Effect of foreign currency translation and other, net | (41) | 159 | (430)
Balance, end of period | $ 2,337 | $ 2,720 | $ 2,802
Weighted-average annual crediting rate | 4.70% | 8.60% | (12.40%)
Cash surrender value at period end | $ 2,337 | $ 2,720 | $ 2,802
Variable Annuity | In the event of death | EMEA |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Net amount at risk | 414 | 456 | 557
Variable Annuity | At annuitization or exercise of other living benefits | EMEA |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Net amount at risk | 532 | 585 | 699
Life and Other | MetLife Holdings |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Balance, beginning of period | 11,641 | 12,402 | 12,699
Deposits | 784 | 783 | 895
Policy charges | (690) | (702) | (718)
Surrenders and withdrawals | (1,053) | (1,171) | (785)
Benefit payments | (151) | (152) | (183)
Net transfers from (to) separate accounts | 51 | 35 | 29
Interest credited | 421 | 445 | 460
Other | 129 | 1 | 5
Balance, end of period | $ 11,132 | $ 11,641 | $ 12,402
Weighted-average annual crediting rate | 3.80% | 3.80% | 3.70%
Cash surrender value at period end | $ 10,576 | $ 11,177 | $ 11,882
Net amount at risk percentage after taking reinsurance into consideration | 99.00% | 99.00% | 65.00%
Life and Other | In the event of death | MetLife Holdings |  |  |
Policyholder Account Balance [Roll Forward] |  |  |
Net amount at risk | $ 64,031 | $ 67,786 | $ 71,548

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