Pension Risk Solutions

The MetLife enterprise has a 150-year history of developing innovative solutions, so you can feel confident about partnering with us. We'll collaborate with you to identify a clear path to reducing pension risks during these uncertain times.

View New Pension Risk Transfer Poll

Partial risk transfer

Settle a portion of a plan’s liabilities through an annuity buyout.

Our Pension Risk Transfer solution offers:

Transfer of a portion of your company’s plan to the issuing MetLife insurance company¹ — permanently
Reduction in plan size
Elimination of most investment, interest rate, longevity and early retirement risks associated with the transferred portion of your company’s plan
Absorption of ongoing costs associated with the transferred portion of your company’s plan — including administration and investment costs — by the issuing MetLife insurance company¹

Watch our video (on the right) and see what steps your company can take to help overcome the challenges of mitigating your pension risk.

VIDEO: De-risk your defined benefit plan with these 7 steps.

Full risk transfer

Settle your plan liabilities through an annuity buyout.

Our Full Risk Transfer solution offers:

Transfer of your company’s plan in its entirety to the issuing MetLife insurance company¹ — permanently
Elimination of most volatility and risks associated with your company’s plan
Reassignment of your company’s obligations associated with the plan to the issuing MetLife insurance company¹
Removal of ongoing costs such as administration, investment and PBGC premium costs

Consider our Full Risk Transfer solution

Premium payment

Premium payment for pension buyout transactions can be made in the form of cash or subject to any required regulatory approval by a transfer of assets-in-kind (AIK).

AIK transfers benefit your company by:

Potentially reducing the premium
Reducing the need to liquidate significant portions of plan assets, which can lead to:
Asset Liability Management (ALM) mismatches
Material transaction costs
A drag on portfolio returns or yields pre-closing
Reducing risk during the transition period from current plan status to the insurer.

De-risk in 7 steps