John McCallion

“As Michelle outlined, we continue to see strong momentum across the enterprise, and what stands out is the quality of that growth. We're generating attractive returns, maintaining expense discipline.”

“This quarter is another strong demonstration of MetLife's earnings power and the strength of our business model. We generated broad-based growth across the enterprise, delivered excellent underwriting results, maintained disciplined expense management, and continued to deploy capital prudently.”

“As Michelle mentioned, this quarter reflects not just strong headline results, but the continued strength of our earnings quality through strong growth, disciplined underwriting, expense control, and prudent capital management. in.”

“I'll review our fourth quarter results and refer to the fourth quarter earnings call presentation for financial highlights, including our near-term outlook. Starting on page three, we made significant progress in 2025 toward our five-year financial goals.”

“I'll walk through our third quarter results and refer to the 3Q '25 supplemental slides, which cover highlights of our financial performance, including details of our annual global actuarial assumption review.”