Fixed Annuity — Effect of actual variances from expected experience
MetLife Fixed Annuity — Effect of actual variances from expected experience increased by 96.0% to -$1.00M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 50.0%, from -$2.00M to -$1.00M. Over 3 years (FY 2022 to FY 2025), Fixed Annuity — Effect of actual variances from expected experience shows an upward trend with a -28.5% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
Consistent positive variances suggest conservative modeling, while negative variances may indicate adverse trends in policyholder behavior or claims experience.
Detailed definition
This metric quantifies the difference between the actual financial performance of fixed annuity products and the perform...
Peer comparison
Standard industry practice involves reporting 'experience variances' or 'actual-to-expected' analysis in supplemental actuarial reporting.
met_segment_fixed_annuity_effect_of_actual_variances_from_expected_experienceHistorical Data
| Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $2.00M | -$32.00M | -$33.00M | -$26.00M | -$32.00M | -$8.00M | -$9.00M | -$13.00M | -$31.00M | -$5.00M | -$9.00M | -$21.00M | -$2.00M | -$2.00M | -$1.00M | -$17.00M | -$25.00M | -$1.00M |
| QoQ Change | — | <-999% | -3.1% | +21.2% | -23.1% | +75.0% | -12.5% | -44.4% | -138.5% | +83.9% | -80.0% | -133.3% | +90.5% | +0.0% | +50.0% | <-999% | -47.1% | +96.0% |
| YoY Change | — | — | — | — | <-999% | +75.0% | +72.7% | +50.0% | +3.1% | +37.5% | +0.0% | -61.5% | +93.5% | +60.0% | +88.9% | +19.0% | <-999% | +50.0% |
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Frequently Asked Questions
- What is MetLife's fixed annuity — effect of actual variances from expected experience?
- MetLife (MET) reported fixed annuity — effect of actual variances from expected experience of -$1.00M in Q1 2026.
- How has MetLife's fixed annuity — effect of actual variances from expected experience changed year-over-year?
- MetLife's fixed annuity — effect of actual variances from expected experience increased by 50.0% year-over-year, from -$2.00M to -$1.00M.
- What is the long-term trend for MetLife's fixed annuity — effect of actual variances from expected experience?
- Over 3 years (2022 to 2025), MetLife's fixed annuity — effect of actual variances from expected experience has grown at a -28.5% compound annual growth rate (CAGR), from -$123.00M to -$45.00M.
- What does fixed annuity — effect of actual variances from expected experience mean?
- The difference between actual insurance product performance and what the company originally projected.