Is MET (MetLife, Inc.) Halal or Haram?

Based on our AAOIFI-standard shariah screening, MET is Not Halal (Haram) and is not considered permissible for Muslim investors. It failed 3 of 4 compliance screens. MetLife, Inc.'s core business activity was found to be non-compliant. Its debt-to-market-cap ratio of 39.50% exceeds the ≤33% threshold. Its cash & securities ratio of 245.29% exceeds the ≤33% threshold.

MetLife, Inc. is a global financial services giant specializing in life insurance, annuities, and employee benefits. The company offers a wide range of coverages, including dental, disability, and pet insurance, alongside substantial asset management services across the U.S., Asia, Latin America, and EMEA. For Muslim investors, MetLife is classified as Not Halal (Haram) because it fails three out of the four AAOIFI screening criteria. Its primary business in conventional insurance violates Islamic rulings against riba (interest) and gharar (excessive uncertainty), making the core operations impermissible regardless of its financials. Financially, MetLife carries excessive leverage and liquidity from an Islamic perspective. The company's Debt to Market Cap sits at 39.5%, while its Cash and Securities to Market Cap ratio is exceptionally high at 245.3%, both well above the strict 33% AAOIFI thresholds. Because conventional insurance fundamentally relies on interest-bearing investments and non-takaful structures, there is a strong scholarly consensus that MetLife is haram. Halal-conscious investors should avoid this stock entirely and look toward certified takaful (Islamic insurance) operators instead. MetLife, Inc. operates in the Financial Services sector under the Insurance - Life industry and is headquartered in New York City, NY, US. The company is led by CEO Michel Abbas Khalaf and employs approximately 45,000 people.

MET was screened using AAOIFI-based shariah compliance criteria. Four tests are applied: (1) Business Activity — the company's core business must not derive primary income from haram (prohibited) activities such as alcohol, gambling, tobacco, or interest-based finance. (2) Debt-to-Market-Cap — total debt must not exceed 33% of market capitalization. (3) Interest Income — interest income must not exceed 5% of total revenue. (4) Cash & Securities — cash and interest-bearing securities must not exceed 33% of market cap. MET passed 1 of these 4 screens.

MET was last screened on 2026-04-29. Shariah compliance status can change as companies report new financial data, acquire new businesses, or shift revenue streams. We recommend checking back periodically for the most up-to-date screening results.