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Risks
1. Low Interest Rates: Lower interest rates could adversely affect MetLife’s business, particularly the profitability of its life insurance business.
2. Competitive Pressure: MetLife faces significant competition, which could lead to increased pricing pressure, reduced margins, and reduced profit.
3. Regulatory Risk: The insurance industry is subject to significant regulation that can impose additional costs and restrictions on operations and on the products offered.
4. Natural Disasters: Natural disasters could adversely affect MetLife’s business by resulting in increased claim costs and potential reputational damage.
5. Cyber Security Risk: As with other financial services companies, MetLife is susceptible to cyberattacks and data security breaches, which could lead to reputational damage, disruption of services, and legal and financial liabilities.