Variable Universal Life Insurance

Variable Universal Life Insurance is a form of Permanent Life Insurance with flexible terms and investment possibilities.

Capitalizing on life's opportunities can be just as important as preparing for life's uncertainties. MetLife's Equity Advantage Variable Universal Life insurance gives you the chance to do both—all in one policy.

Variable Universal Life Insurance has flexible terms that allow you to change, within limits, the death benefit and the timing and amount of your premiums. It also lets you invest your cash value in professionally-managed funding options that reflect the performance of underlying investments such as stocks and bonds.

Variable Universal Life Insurance can be the right choice if you want:

• Protection that can last a lifetime
• Flexibility to accommodate life changes
• Cash value with market growth potential

Some things to consider about Variable Universal Life Insurance:

• As with any investment, the value of the funding options will fluctuate with changes in market conditions. There is growth potential, but also risk of loss.
• Skipping or postponing premiums can affect your policy's cash value and death benefit, and may cause increased premium requirements later.

MetLife's Equity Advantage Variable Universal Life insurance is sold by prospectus only.

Discover the many benefits of Equity Advantage Variable Universal Life.

Equity Advantage Variable Universal Life offers a wide range of features and benefits that help you protect your loved ones while pursuing investment opportunities.

Policy Design Flexibility
Premiums: you decide how you want to pay them. For example, pay equal yearly payments or vary them over time. Increase or decrease them, within limits, if you need to – even stop and restart them.¹

Amount of Insurance: within limits, you can change it. Reduce it or, with renewed evidence of good health, increase it as your needs change.

Investment Flexibility
Allocate your cash value among the available funding options—as many as 60 — including:

• Options that reflect the performance of underlying investments such as stocks and bonds, ranging from relatively conservative to aggressive, and across many asset classes
• A Fixed Account that grows at periodically-declared fixed interest rates.

And you can change your investment allocation² as your needs change, with no tax liability under current tax law.

Equity Advantage Variable Universal Life also offers a number of optional, automated ways to help keep your investment on track, such as regularly sweeping Fixed Account earnings to investment options, or rebalancing your funding options every quarter to help maintain the asset allocation you choose.

Your MetLife representative can help you choose the asset allocation and funding options that are right for you.

Read the prospectus carefully before investing. It contains detailed information about the policy's features, risks, charges and expenses, and about the objectives and risks of the funding options.

Access to Your Cash Value
Your cash value is available to you to use for any reason at all. For example, use it to:

• Pay premiums
• Maintain an emergency fund
• Pay off your mortgage sooner
• Help fund a college education
• Supplement your retirement savings

Policy loans and cash withdrawals are usually tax-free. However, some tax liability can arise, depending on the circumstances, and surrender charges may also apply. And both will reduce your cash value and death benefit. See the prospectus for details.

Valuable Tax Advantages
Variable universal life offers you significant tax advantages, including:

• Tax-free death benefits. Beneficiaries will generally receive the death benefit free of federal and state income taxes. Benefits may also be free from estate tax with proper planning.
• Tax-deferred growth. Cash value growth is income tax-deferred; no income tax is due on investment earnings within your policy.
• Tax Favored Cash Value Access. When accessing your policy's cash value in the form of a loan during your lifetime, any gains you may realize will not be considered taxable income so long as your policy remains active.

Enhance Your Policy
You can enhance your coverage with the addition of these policy riders³ among others, for an additional cost:

Guaranteed Insurability Rider
Guarantees the right to increase coverage or buy additional policies on the life of the insured at specified future option dates, even if the insured's health has changed.

Guaranteed Survivor Income Benefit
This rider provides your beneficiaries with the option to receive guaranteed income they can't outlive – at higher rates than we would normally pay--in lieu of a lump-sum death benefit. Long-Term Care Guaranteed Purchase Option Guarantees the insured the option to purchase Long-Term Care insurance coverage for the insured person in the future, even if the insured’s health has changed.

Guaranteed Minimum Death Benefit Rider
Provides a guaranteed death benefit based on the premiums paid, regardless of investment performance, to age 85 or 121.

Waiver of Specified Premium Rider**
Pays a specified amount of premium if the insured becomes disabled, so that coverage continues.

Waiver of Monthly Deduction Rider**
Waives the monthly policy charges, such as for the cost of insurance protection, if the insured becomes disabled.

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