Core Insights - MetLife, Inc. is expanding its Upwise benefits experience platform through a partnership with Nayya, making it available to employers via the Workday Marketplace starting October 1, 2025 [1][7]. Group 1: Upwise Platform Expansion - Upwise will be offered at no additional cost to employers who include MetLife's Accident, Hospital Indemnity, or Critical Illness insurance products in their benefits packages [2]. - The platform aims to address the benefits 'confusion gap' affecting the workforce, with 64% of employees reporting it simplifies their benefits decision-making process [3]. Group 2: Strategic Implications - This initiative reflects MetLife's strategy to enhance customer satisfaction and retention rates by streamlining the benefits decision-making process [4]. - The expansion is expected to increase the uptake of MetLife's Employee Benefit plans, potentially leading to higher premiums for the insurer [5]. Group 3: Financial Performance - MetLife's total premiums increased by 16.6% year over year in Q1 2025 [5]. - The company's shares have gained 12.5% over the past year, outperforming the industry growth of 10.4% [6].

Financial Data and Key Metrics Changes - Operating earnings per diluted share were $0.79, up 52%, and $0.74, up 42%, excluding significant items [5][25] - Book value per diluted share, excluding AOCI, was $37.03, up 6% [7] - Operating return on equity excluding significant items was 11.9% on a trailing twelve-month basis [26] Business Line Data and Key Metrics Changes - Consumer division saw annuity collected premiums up 12%, account values up 7%, and premium per policy up 19% [10] - Health NAP was up 9%, with Medicare Supplement NAP up 24% and Medicare Advantage policies up 42% [13][14] - Worksite insurance sales were up 11%, with critical illness insurance up 37% and life insurance up 17% [19] Market Data and Key Metrics Changes - New money rates exceeded 6% for nine consecutive quarters, with a new money rate of 6.43% [6][28] - Total investment income was up 16% for the quarter, marking the sixth consecutive quarter of growth [29] Company Strategy and Development Direction - The company aims to leverage its business model for sustained profitable growth and drive ROE expansion [8][32] - Focus on reaching the underserved middle-income market through a combination of virtual connections and local agents [9] Management's Comments on Operating Environment and Future Outlook - Management acknowledged deteriorating visibility into macroeconomic drivers but expressed confidence in navigating volatility [7][34] - The company reaffirmed its full-year guidance for 2025, despite acknowledging increased risks due to market volatility [31][32] Other Important Information - The company returned $117 million to shareholders, maintaining strong capital and liquidity levels [6] - A new product, Optimize Clear, was introduced to enhance service offerings [23] Q&A Session Summary Question: On buybacks and macro environment - Management indicated a willingness to continue share buybacks, with $100 million deployed in the first quarter [37] Question: Fee revenue and GAAP accounting - Management explained the impact of ASC 606 on revenue recognition, noting potential future reversals [40][41] Question: Outlook for direct-to-consumer life sales - Management expressed optimism for a bounce back in sales, while acknowledging shifts in advertising strategies [58] Question: Medicare business and potential shifts - Management noted strong growth in Medicare Advantage policies and indicated a potential shift back to Medicare Supplement could be beneficial [72][74] Question: Geographic expansion in worksite - Management confirmed ongoing geographic expansion efforts and expected continued growth from new regions [82]

三高 腰椎脊椎疾病 失眠 | 在高压的工作下,三高、腰椎脊椎疾病、 失眠也渐渐成为了年轻人的高发疾病,越 来越"脆皮"的年轻人,渐渐意识到保 险的重要性。 熬夜时的"隐秘投资" 晚上10点,你一般都在做什么?追剧? 还是在刷社交媒体?有些年轻人,他们 正忙着投保健康险! 某平台数据显示80后和90后更喜欢在 晚上22点之后买保险,不知道这些投保 者里有没有你呢? Hob a ume lar Z M � ● 0 ● . 0 ● ● ● ● ● � � 0 ● 0 ● ● 0 ● ● ● . ● ● � ● . ● . ● 0 � 0 ● ● 0 ● ● 0 . ● . o 上学时怕考试,工作后怕体检,体检报告 成为了当代职场人怕面对的"成绩单",一边拼 命,一边惜命,说的是不是你? 某平台80后和90后职场人健康险投保时间分布 5点 0点 10点 18点 22点 那么问题来了:不同阶段的职场人,究 竟该如何配置保险呢? 首先,了解自己的需求是 挑选保险的关键,其次合 理规划预算也是需要考虑 的重点,通常保险投入占 收入的10%-15%更为 合旋。 "脆皮打工人"关注健康保障 熬夜加班、外卖续命的单身年轻人, 从 ...

Principal Financial Group (PFG) Conference February 10, 2025 11:20 AM ET Company Participants Amy Friedrich - President of Benefits & Protection Conference Call Participants Michael Ward - Vice President & Senior Analyst - US Insurance Michael Ward All right. Well, thank you all in the room and everyone online for joining us. Very excited to have Amy Frederick here from Principal. She is President of Benefits and Protection. Amy, I know you have some prepared remarks, but I thought it was actually helpful i ...