Pension Risk Solutions

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Pension Risk Solutions

MetLife has a long history of developing innovative solutions. Discover how we can help with your Pension Risk Transfer.

The MetLife enterprise has over 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.

MetLife’s 2021 Pension Risk Transfer Poll

Read the full report
Explore Our Solutions

Partial Risk Transfer

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

Full Risk Transfer

Settle your plan liabilities through an annuity buyout.

Premium Payment

Buyout transactions can be made in cash or subject to any required regulatory approval by a transfer of assets-in-kind (AIK).

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 and see what steps your company can take to help overcome the challenges of mitigating your pension risk.




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


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.

Download our Assets-in-Kind Transfers Onesheet

Meet the Team

Our commitment to you begins with our people. That’s why we support you with highly trained experts who are empowered to make a difference.

Why Choose MetLife?1

Celebrating a Century

Since 1921, MetLife has worked with companies on their de-risking journey while providing retiree financial security.

MetLife's Financial Strength

Our financial strength ratings are among the highest in the industry. See how the top financial ranking agencies have rated our financial stability.


1Group annuity contracts can be issued by Metropolitan Life Insurance Company, 200 Park Ave. NY, NY 10166 or Metropolitan Tower Life Insurance Company, 5601 South 59th St., Lincoln, NE 68516. Like most group annuity contracts, MetLife group annuities contain certain limitations, exclusions and terms for keeping them in force. Ask a MetLife representative for costs and complete details.

All guarantees are subject to the financial strength and claims paying ability of the issuing MetLife insurance company.

Any discussion of taxes is intended to be general in nature. The tax law is subject to change and to different interpretations. We do not provide tax or legal advice and are not responsible for the tax consequences of such arrangements; nor do we represent or guarantee that tax deferral of annuity payments until received can be achieved. Interested parties should consult with their own tax advisors to determine whether the desired tax treatment can be achieved and whether the taxation of such arrangements could be adversely impacted under federal tax laws, including Section 409A of the Internal Revenue Code of 1986, as amended.