8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT PURSUANT
TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported): October 28, 2011

METLIFE, INC.

(Exact Name of Registrant as Specified in Its Charter)

Delaware	1-15787	13-4075851
(State or Other Jurisdiction	(Commission	(IRS Employer
of Incorporation)	File Number)	Identification No.)

200 Park Avenue, New York, New York	10166-0188
(Address of Principal Executive Offices)	(Zip Code)

212-578-2211
(Registrant’s Telephone Number, Including Area Code)

N/A
(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

EX-99.1

EX-99.2

Item 7.01.     Regulation FD Disclosure.

     On October 28, 2011, MetLife, Inc. issued a press release announcing that Beth Hirschhorn has been named executive vice president of global brand, marketing and communications, effective November 1, 2011. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The press release is furnished and not filed pursuant to Instruction B.2 of Form 8-K.

     On October 31, 2011, MetLife, Inc. issued a press release in which its board of directors announced that Steven A. Kandarian will succeed C. Robert Henrikson as chairman of the board of directors effective January 1, 2012. A copy of the press release is attached hereto as Exhibit 99.2 and is incorporated herein by reference. The press release is furnished and not filed pursuant to Instruction B.2 of Form 8-K.

Item 9.01     Financial Statements and Exhibits.

     (a) Not applicable

     (b) Not applicable.

     (c) Not applicable.

     (d) Exhibits

99.1

Press release of MetLife, Inc., dated October 28, 2011 announcing that Beth Hirschhorn has been named executive vice president of global brand, marketing and communications, effective November 1, 2011. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The press release is furnished and not filed pursuant to Instruction B.2 of Form 8-K.

99.2

Press release of MetLife,Inc., dated October 31, 2011 in which its board of directors announced that Steven A. Kandarian will succeed C. Robert Henrikson as chairman of the board of directors effective January 1, 2012. A copy of the press release is attached hereto as Exhibit 99.2 and is incorporated herein by reference. The press release is furnished and not filed pursuant to Instruction B.2 of Form 8-K.

SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

METLIFE, INC.
By:	/s/ Christine M. DeBiase
Name:	Christine M. DeBiase
Title:	Vice President and Secretary

Date: October 31, 2011

EXHIBIT INDEX

Exhibit Number	Exhibit
99.1	Press release of MetLife, Inc., dated October 28, 2011 announcing that Beth Hirschhorn has been named executive vice president of global brand, marketing and communications, effective November 1, 2011. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The press release is furnished and not filed pursuant to Instruction B.2 of Form 8-K.
99.2	Press release of MetLife, Inc., dated October 31, 2011 in which its board of directors announced that Steven A. Kandarian will succeed C. Robert Henrikson as chairman of the board of directors effective January 1, 2012. A copy of the press release is attached hereto as Exhibit 99.2 and is incorporated herein by reference. The press release is furnished and not filed pursuant to Instruction B.2 of Form 8-K.

EX-99.1

Exhibit 99.1

Contacts:	For Media:	John Calagna
		(212) 578-6252
	For Investors:	John McCallion
		(212) 578-7888

METLIFE NAMES BETH HIRSCHHORN EXECUTIVE VICE PRESIDENT,
GLOBAL BRAND, MARKETING AND COMMUNICATIONS

NEW YORK, October 28, 2011 — MetLife, Inc. (NYSE: MET) today announced that Beth Hirschhorn has been named executive vice president of global brand, marketing and communications, effective November 1, 2011. Hirschhorn will continue to report to President and Chief Executive Officer Steven A. Kandarian and become a member of MetLife’s executive group. Previously, Hirschhorn was senior vice president and chief marketing officer.

“Beth’s expanded role reflects the importance I place on continuing MetLife’s transformation to becoming a world-class brand, marketing and customer centric leader. Through her efforts, we will strengthen MetLife’s ability to ensure that customers come to us, stay with us and buy more from us,” Kandarian said. “I am confident that Beth’s experience will add a valuable perspective to the Executive Group as we strive to make MetLife one of the most admired companies not just within the insurance industry, but within any industry.”

Since joining MetLife in 2002, Hirschhorn’s primary focus has been growing MetLife’s iconic brand, aligning company strategy with customer values and effectively managing advertising and promotion, eBusiness, creative services, conferences and events, and the Mature Market Institute — MetLife’s thought leadership arm.

Hirschhorn has led key strategic initiatives for the company designed to dramatically improve the customer experience and strengthen MetLife’s reach and market share. Hallmarks of these efforts include the company’s acquisition of naming rights for MetLife Stadium — home of New York’s Jets and Giants — as well as reinvigoration and expansion of MetLife’s advertising and blimp marketing programs internationally.

Prior to being named chief marketing officer, Hirschhorn managed marketing for MetLife’s U.S. individual and institutional businesses. In this role, she was responsible for value proposition

1

development, customer and field communications, event marketing, multicultural marketing, sales planning and incentives, customer insights and market research.

Hirschhorn has 25 years of experience in the financial services industry. Prior to joining MetLife, she led JP Morgan Chase’s consumer financial services marketing unit. Her financial accountabilities included all fee and net interest income generated by the retail product portfolio as well as product development, customer management functions, and pricing and rate setting in managing the bank’s $60 billion deposit and proprietary money market fund portfolios.

Hirschhorn received her undergraduate degree from Cornell University and her MBA from New York University’s Stern School of Business.

MetLife, Inc. is a leading global provider of insurance, annuities and employee benefit programs, serving 90 million customers in over 50 countries. Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia Pacific, Europe and the Middle East. For more information, visit www.metlife.com.

This press release may contain or incorporate by reference information that includes or is based upon forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements give expectations or forecasts of future events. These statements can be identified by the fact that they do not relate strictly to historical or current facts. They use words such as “anticipate,” “estimate,” “expect,” “project,” “intend,” “plan,” “believe” and other words and terms of similar meaning in connection with a discussion of future operating or financial performance. In particular, these include statements relating to future actions, prospective services or products, future performance or results of current and anticipated services or products, sales efforts, expenses, the outcome of contingencies such as legal proceedings, trends in operations and financial results. Any or all forward-looking statements may turn out to be wrong. They can be affected by inaccurate assumptions or by known or unknown risks and uncertainties. Many such factors will be important in determining the actual future results of MetLife, Inc., its subsidiaries and affiliates. These statements are based on current expectations and the current economic environment. They involve a number of risks and uncertainties that are difficult to predict. These statements are not guarantees of future performance. Actual results could differ materially from those expressed or implied in the forward-looking statements. Risks, uncertainties, and other factors that might cause such differences include the risks, uncertainties and other factors identified in MetLife, Inc.’s most recent Annual Report on Form 10-K (the “Annual Report”) filed with the U.S. Securities and Exchange Commission (the “SEC”) and Quarterly Reports on Form 10-Q filed by MetLife, Inc. with the SEC after the date of the Annual Report under the captions “Note Regarding Forward-Looking Statements” and “Risk Factors”, MetLife, Inc.’s Current Report on Form 8-K dated March 1, 2011 and other filings MetLife, Inc. makes with the SEC. MetLife, Inc. does not undertake any obligation to publicly correct or update any forward-looking statement if we later become aware that such statement is not likely to be achieved. Please consult any further disclosures MetLife, Inc. makes on related subjects in reports to the SEC.

#  #   #

2

EX-99.2

Exhibit 99.2

Contacts:	For Media:	John Calagna
		(212) 578-6252
	For Investors:	John McCallion
		(212) 578-7888

STEVEN A. KANDARIAN NAMED
CHAIRMAN OF THE BOARD OF DIRECTORS OF METLIFE

NEW YORK, October 31, 2011 — The board of directors of MetLife, Inc. (NYSE: MET) announced that Steven A. Kandarian will succeed C. Robert Henrikson as chairman of the board effective January 1, 2012. Kandarian was elected to the MetLife board on April 26, 2011 and became MetLife’s president and chief executive officer on May 1, 2011.

“Steve’s leadership and determination to make MetLife not only the leader in the insurance industry but a world-class company in all aspects of our operations made him the board’s unanimous choice to take on the responsibilities of chairman, in addition to his roles as president and CEO,” said MetLife Lead Director Cheryl W. Grisé. “With his global strategic thinking, drive to make the company truly customer focused and his deep knowledge of MetLife’s risk management culture and businesses, Steve is exceptionally qualified to lead the company to a new chapter of growth and outstanding performance.”

Steven A. Kandarian stated, “I am deeply honored to take on the added responsibilities of chairman, as our entire organization unites around a commitment to excellence in every aspect of our work. We are emerging from a period of extraordinary global economic challenges with enhanced strength and opportunities to extend MetLife’s industry leadership and define a new standard of quality as we meet the needs of our customers worldwide. I look forward to working with our board, our management team, and our exceptionally talented employees and distribution partners to create value for all of our stakeholders.”

Kandarian, 59, joined MetLife as the company’s chief investment officer in April 2005. As CIO, he enhanced the company’s focus on effective risk management and diversified its investment portfolio, in part through the $5.4 billion sale of Peter Cooper Village/Stuyvesant Town in 2006. Under Kandarian’s leadership, MetLife identified the housing bubble early and reduced the company’s exposure to sub-prime mortgage-backed securities, raised the overall quality of its

1

corporate credit portfolio and increased its focus on low loan-to-value commercial and agricultural mortgages.

In 2007, he oversaw a comprehensive review of MetLife’s strategic initiatives, which resulted in the identification of key areas of focus for MetLife to achieve revenue growth and expense savings. In 2009, Kandarian assumed responsibility for MetLife’s global brand and marketing services department.

MetLife, Inc. is a leading global provider of insurance, annuities and employee benefit programs, serving 90 million customers in over 50 countries. Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia Pacific, Europe and the Middle East. For more information, visit www.metlife.com.

This press release may contain or incorporate by reference information that includes or is based upon forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements give expectations or forecasts of future events. These statements can be identified by the fact that they do not relate strictly to historical or current facts. They use words such as “anticipate,” “estimate,” “expect,” “project,” “intend,” “plan,” “believe” and other words and terms of similar meaning in connection with a discussion of future operating or financial performance. In particular, these include statements relating to future actions, prospective services or products, future performance or results of current and anticipated services or products, sales efforts, expenses, the outcome of contingencies such as legal proceedings, trends in operations and financial results.

Any or all forward-looking statements may turn out to be wrong. They can be affected by inaccurate assumptions or by known or unknown risks and uncertainties. Many such factors will be important in determining the actual future results of MetLife, Inc., its subsidiaries and affiliates. These statements are based on current expectations and the current economic environment. They involve a number of risks and uncertainties that are difficult to predict. These statements are not guarantees of future performance. Actual results could differ materially from those expressed or implied in the forward-looking statements. Risks, uncertainties, and other factors that might cause such differences include the risks, uncertainties and other factors identified in MetLife, Inc.’s most recent Annual Report on Form 10-K (the “Annual Report”) filed with the U.S. Securities and Exchange Commission (the “SEC”) and Quarterly Reports on Form 10-Q filed by MetLife, Inc. with the SEC after the date of the Annual Report under the captions “Note Regarding Forward-Looking Statements” and “Risk Factors”, MetLife, Inc.’s Current Report on Form 8-K dated March 1, 2011 and other filings MetLife, Inc. makes with the SEC. MetLife, Inc. does not undertake any obligation to publicly correct or update any forward-looking statement if we later become aware that such statement is not likely to be achieved. Please consult any further disclosures MetLife, Inc. makes on related subjects in reports to the SEC.

#  #  #

2