[Form 4] METLIFE INC Insider Trading Activity

Rhea-AI Filing Summary

MetLife director Carlos M. Gutierrez acquired 534 shares of MetLife, Inc. common stock on 10/01/2025 as part of the company’s non-management director compensation program that pays a portion of retainer fees in common stock. After the purchase, Mr. Gutierrez directly owns 24,385 shares and indirectly holds 18,807 shares through the Carlos M. Gutierrez Trust. The transaction was reported on a Form 4 filed and signed via attorney-in-fact on 10/03/2025.

Positive

• Director acquisition of 534 shares under compensation program increases insider alignment with shareholders
• Clear disclosure of beneficial ownership: 24,385 direct and 18,807 indirect shares reported

Negative

• None.

Insights

Corporate Governance Expert

Director took part of retainer in equity, modestly increasing direct holdings.

This filing shows a routine director compensation conversion where 534 shares were acquired on 10/01/2025 under MetLife’s non-management director pay arrangement. Such conversions are common governance practice to align directors with shareholder interests without indicating personal open-market purchases.

The director now reports 24,385 direct shares plus 18,807 indirect shares via trust, which clarifies total beneficial ownership in public records and satisfies Section 16 reporting requirements.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

GUTIERREZ CARLOS M

(Last) (First) (Middle)

METLIFE, INC.

200 PARK AVENUE

(Street)

NEW YORK NY 10166

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
METLIFE INC [ MET ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
10/01/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	10/01/2025		A(1)		534	A	$0	24,385	D
Common Stock								18,807	I	by Carlos M. Gutierrez Trust

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. MetLife, Inc.'s non-management director compensation arrangements pay a portion of non-management director retainer fees in MetLife, Inc. common stock.

Remarks:

	/s/ Taylor McInerney Jansen, Attorney-in-fact	10/03/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did MET director Carlos M. Gutierrez report on Form 4?

He reported acquiring 534 shares of MetLife common stock on 10/01/2025 and the Form 4 was signed on 10/03/2025.

How many MetLife shares does Carlos M. Gutierrez own after the transaction?

He directly owns 24,385 shares and indirectly holds 18,807 shares through the Carlos M. Gutierrez Trust.

Why were the 534 shares issued to the director?

The shares were issued as part of MetLife’s non-management director retainer compensation, which pays a portion of fees in common stock.

Was this Form 4 filed individually or jointly?

The filing was by one reporting person (checked on the form).

Who signed the Form 4 filing?

The form was signed by Taylor McInerney Jansen, Attorney-in-fact on behalf of the reporting person on 10/03/2025.