MetLife, Inc. is a financial services company, which offers insurance, annuities, employee benefits, and asset management services. It operates through five segments: U.S.; Asia; Latin America; Europe, the Middle East and Africa (EMEA); and MetLife Holdings. The U.S. segment offers a range of protection products and services, such as term life insurance, variable life insurance, universal life insurance, dental, disability, and accident and health insurance. The Asia segment offers products and services to both individuals and corporations, as well as to other institutions, and their respective employees. The Latin America segment offers a broad range of products to both individuals and corporations and other institutions, including local, state and federal governments. The EMEA segment offers life insurance, accident and health insurance, retirement and savings products, and credit insurance. The MetLife Holdings segment offers variable, universal, and long-term care insurance.