Products. At-A-Glance. For Producer or Broker/Dealer Use Only. Not for Public Distribution.

Transcription

1 Life Insurance Products At-A-Glance

2 Guaranteed Level Term 0, 5, 0, 0 Years MetLife One Year Term SM Base Policy Base Policy with the Convertible and Renewable Options Rider Risk Class / Issue Age > Elite Plus Nonsmoker > Elite Nonsmoker > Preferred Nonsmoker and Smoker > Standard Nonsmoker and Smoker 0-Year: 8-75 New York: 5-Year: Year: Year: Year: Year: Year: 8-60 (The 0-Year Duration is not available in New York) Elite Plus Nonsmoker $50,000 Elite Nonsmoker $50,000 All Other $00,000 > Standard Nonsmoker and Smoker; Issue Ages 8-9 > Substandard Nonsmoker and Smoker; Issue Ages 8-9 > Elite Plus Nonsmoker; Issue Ages 8-75 > Preferred Plus Nonsmoker; Issue Ages 8-75 > Standard Plus Nonsmoker; Issue Ages 8-75 > Preferred Smoker; Issue Ages 8-75 > Standard Nonsmoker and Smoker; Issue Ages 8-75 > Subtandard Nonsmoker and Smoker; Issue Ages / Not Applicable Base policy is for one year only. If Convertible and Renewable Options Rider is added, coverage is guaranteed for a total of 5 years with increasing premiums. Face Amount Banding $00,000-$9,999 $50,000-$99,999 (0-, 5- and 0-Year Terms), $50,000 and above (0-Year Term) $500,000-$999,999 (0-, 5- and 0-Year Terms) $,000,000 and above (0-, 5- and 0-Year Terms) Unisex premiums available where required $00,000 $00,000 Not Applicable Band Face Amount of Insurance $00,000-$9,999 $50,000-$500,000 $500,00-$999,999 $,000,000 and above Definition of Life Insurance Testing Not Applicable Not Applicable Not Applicable Level Death Benefit Level Death Benefit Level Death Benefit Death Benefit Guarantee Features Policy Riders Conversion Privileges: For issue ages less than 65, the policy is convertible until the earlier of the end of the level period or attained age 70. For issue ages 65 and over, the policy is convertible for the first five policy years. Death benefit is guaranteed during the policy term with premium payment. > Acceleration of Death Benefit Rider (ADBR) > Convertible Disability Waiver (CDW) > Disability Waiver of Premium (DW) Clients looking for death benefit protection for short term needs of one year or less. Death benefit on the base policy is for one year only. Clients with short term needs of one to five years, or those that plan to covert to permanent insurance within five years. If Convertible and Renewable Options Rider is added, coverage is guaranteed for a total of 5 years with increasing premiums. Convertible and Renewable Options Rider Policy Loans and Withdrawals Not Applicable Not Applicable Not Applicable Not Applicable Last Product Update 9//0 /9/0 /9/0 0-year term duration is not available in NY.

3 MetLife Promise Whole Life SM MetLife Promise Whole Life 0 SM Risk Class / Issue Age > Elite Nonsmoker; Issue Ages 8-80 > Standard Nonsmoker and Smoker; Issue Ages 8-85 > Substandard Nonsmoker and Smoker; Issue Ages 8-85 > Table B through P Nonsmoker and Smoker > Juvenile Substandard; Issue Ages /0 0/0 All Other $0,000 ($5,000 minimum for ages 60 and up) Face Amount Banding $0,000 -$9,999 $50,000-$99,999 $00,000-$9,999 $50,000-$99,999 6 $,000,000-$9,999,999 7 $0,000,000 and above 5 > Elite Nonsmoker; Issue Ages 8-80 > Standard Nonsmoker and Smoker; Issue Ages 8-85 > Substandard Nonsmoker and Smoker; Issue Ages 8-85 > Table B through P Nonsmoker and Smoker > Juvenile Substandard; Issue Ages 5-7 Risk Class Minimum All Other $00,000 $00,000-$9,999 $50,000-$99,999 6 $,000,000-$9,999,999 7 $0,000,000 and above 5 Definition of Life Insurance Testing Cash Value Accumulation Test (CVAT) Cash Value Accumulation Test (CVAT) Death Benefit Guarantee Features Policy Riders Policy Loans and Withdrawals Level Death Benefit; can potentially be increased through dividends, which are not guaranteed, and The Enricher. > Guaranteed cash value, premium and death benefit. > Potential for dividends. > Provides competitive long-term income distribution. > Lower total premium available through the use of the Flex Term Rider. > Premium offset strategy to potentially eliminate future out-ofpocket premiums through the use of a combination of current and accumulated dividends and any rider cash values that can pay for future policy premiums. 6 > Increasing coverage through Additional Insurance (AI). > Automatic Premium Loans to help maintain policy. > Guaranteed paid up short-pay potential. > Guaranteed Issue available for groups that meet criteria. > Clients looking for the flexibility to accelerate a portion of the death benefit which can be used to pay for ongoing care associated with a prolonged illness. Base policy death benefit is guaranteed with premium payment. Flex Term Rider death benefit can be guaranteed to age 85 if required premium is paid. > Acceleration of Death Benefit Rider (ADBR) 7 > Accidental Death Benefit (ADB) > Applicant s Waiver of Premiums Benefit (AWB) > Children s Term Insurance Rider (CTIR) > Disability Waiver of Premium (DW) > Enhanced Care Benefit (ECBR) 7 > Flex Term Rider (FTR) > Guaranteed Insurability Rider (GIR) Loans can be taken out any time after issue provided there is cash value in the policy or included riders. Loans do not affect dividends (which are not guaranteed). Withdrawals are only available on the cash value associated with the Additional Insurance Dividend Option, The Enricher, the FTR or with Dividends with Interest Dividend Option. Withdrawals are available any time when these features have accumulated value. Not applicable to MetLife Promise Whole Life policies. Loan interest is charged at a variable rate which can change annually. Last Product Update 9//0 9//0 Level Death Benefit; can potentially be increased through dividends, which are not guaranteed, and The Enricher. > Guaranteed cash value, premium and death benefit. > Potential for dividends. > Most affordable whole life product. > Lower total premium available through the use of the Flex Term Rider. > Provides competitive death benefit IRR s. > Increasing coverage through Additional Insurance (AI). > Premium offset strategy to potentially eliminate future out-ofpocket premiums through the use of a combination of current and accumulated dividends and any rider cash values that can pay for future policy premiums. 6 > Automatic Premium Loans to help maintain policy. > Guaranteed paid up short-pay potential. > Guaranteed Issue available for groups that meet criteria. > Clients looking for the flexibility to accelerate a portion of the death benefit which can be used to pay for ongoing care associated with a prolonged illness. Base policy death benefit is guaranteed with premium payment. Flex Term Rider death benefit can be guaranteed to age 85 if required premium is paid. > Acceleration of Death Benefit Rider (ADBR) 7 > Accidental Death Benefit (ADB) > Applicant s Waiver of Premiums Benefit (AWB) > Children s Term Insurance Rider (CTIR) > Disability Waiver of Premium (DW) > Enhanced Care Benefit (ECBR) 7 > Flex Term Rider (FTR) > Guaranteed Insurability Rider (GIR) Loans can be taken out any time after issue provided there is cash value in the policy or included riders. Loans do not affect dividends (which are not guaranteed). Withdrawals are only available on the cash value associated with the Additional Insurance Dividend Option, The Enricher, the FTR or with Dividends with Interest Dividend Option. Withdrawals are available any time when these features have accumulated value. Not applicable to MetLife Promise Whole Life 0 policies. Loan interest is charged at a variable rate which can change annually. Loans and withdrawals will lower the cash value and death benefit. For policies with a guarantee rider, loans and withdrawals could jeopardize the desired duration of the death benefit guarantee. Substandard issues are available up to and including table P. Not all rating classes are available at all face amounts or at all ages. The minimum amount of insurance is $5,000 for issue ages 60 and above. 5 Enhanced values and reduced compensation apply to face amounts of $0,000,000 and up. 6 The ability to stop paying premiums out of pocket in the future is not guaranteed and is based on the then-current dividend scale. 7 Any benefits received under this rider may adversely affect the recipient s eligibility for public assistance programs; and the benefits received under this rider may be taxable.

4 MetLife Promise Whole Life Select 0 SM Risk Class / Issue Age > Elite Nonsmoker; Issue Ages 8-75 > Preferred Nonsmoker and Smoker; Issue Ages 8-75 > Standard Nonsmoker and Smoker; Issue Ages 8-75 > Table B through P Nonsmoker and Smoker; Issue Ages 8-75 > Juvenile Substandard; Issue Ages 5-7 All Other $00,000 MetLife Promise Whole Life Select 0 SM > Elite Nonsmoker; Issue Ages 8-70 > Preferred Nonsmoker and Smoker; Issue Ages 8-70 > Standard Nonsmoker and Smoker; Issue Ages 8-70 > Table B through P Nonsmoker and Smoker; Issue Ages 8-70 > Juvenile Substandard; Issue Ages 5-7 Paid Up in Year 0 Paid Up in Year 0 Paid Up at Age 65 Face Amount Banding $00,000-$9,999 $50,000-$99,999 6 $,000,000 and above Risk Class Minimum All Other $00,000 $00,000-$9,999 $50,000-$99,999 6 $,000,000 and above MetLife Promise Whole Life Select 65 SM > Elite Nonsmoker; Issue Ages 8-55 > Preferred Nonsmoker and Smoker; Issue Ages 8-55 > Standard Nonsmoker and Smoker; Issue Ages 8-55 > Table B through P Nonsmoker and Smoker; Issue Ages 8-55 > Juvenile Substandard; Issue Ages 5-7 Risk Class Minimum All Other $00,000 $00,000-$9,999 $50,000-$99,999 6 $,000,000 and above Definition of Life Insurance Testing Cash Value Accumulation Test (CVAT) Cash Value Accumulation Test (CVAT) Cash Value Accumulation Test (CVAT) Death Benefit Guarantee Features Policy Riders Policy Loans and Withdrawals Level Death Benefit, can potentially be increased through dividends, which are not guaranteed, and The Enricher. > Guaranteed cash value > Potential for higher cash value and supplemental income at retirement > Guaranteed level premiums > Guaranteed death benefit > Guaranteed level premium durations > Potential for premium offset (through dividends) > Guaranteed paid-up after 0 years > Clients looking for the flexibility to accelerate a portion of the death benefit which can be used to pay for ongoing care associated with a prolonged illness Base policy death benefit is guaranteed with premium payment. > Disability Waiver of Premiums Benefit (DW) > Acceleration of Death Benefit Rider (ADBR) 5 > Enhanced Care Benefit (ECBR) 5 Loans can be taken out at any time after issue, unless the policy is in force as extended term insurance, provided there is an available cash surrender value within the policy or any attached riders. Policy loans will decrease the cash value and death benefit. Not applicable to MetLife Promise Whole Life Select policies. Loan interest is charged at a variable rate which can change annually. Level Death Benefit, can potentially be increased through dividends, which are not guaranteed, and The Enricher. > Guaranteed cash value > Potential for higher cash value and supplemental income at retirement > Guaranteed level premiums > Guaranteed death benefit > Guaranteed level premium durations > Potential for premium offset (through dividends) > Guaranteed paid-up after 0 years > Clients looking for the flexibility to accelerate a portion of the death benefit which can be used to pay for ongoing care associated with a prolonged illness Base policy death benefit is guaranteed with premium payment. > Disability Waiver of Premiums Benefit (DW) > Acceleration of Death Benefit Rider (ADBR) 5 > Enhanced Care Benefit (ECBR) 5 Loans can be taken out at any time after issue, unless the policy is in force as extended term insurance, provided there is an available cash surrender value within the policy or any attached riders. Policy loans will decrease the cash value and death benefit. Not applicable to MetLife Promise Whole Life Select policies. Loan interest is charged at a variable rate which can change annually. Last Product Update 9//0 9//0 9//0 Level Death Benefit, can potentially be increased through dividends, which are not guaranteed, and The Enricher. > Guaranteed cash value > Potential for higher cash value and supplemental income at retirement > Guaranteed level premiums > Guaranteed death benefit > Guaranteed level premium durations > Potential for premium offset (through dividends) > Guaranteed paid-up at age 65 > Clients looking for the flexibility to accelerate a portion of the death benefit which can be used to pay for ongoing care associated with a prolonged illness Base policy death benefit is guaranteed with premium payment. > Disability Waiver of Premiums Benefit (DW) > Acceleration of Death Benefit Rider (ADBR) 5 > Enhanced Care Benefit (ECBR) 5 Loans can be taken out at any time after issue, unless the policy is in force as extended term insurance, provided there is an available cash surrender value within the policy or any attached riders. Policy loans will decrease the cash value and death benefit. Not applicable to MetLife Promise Whole Life Select policies. Loan interest is charged at a variable rate which can change annually. Loans and withdrawals will lower the cash value and death benefit. For policies with a guarantee rider, loans and withdrawals could jeopardize the desired duration of the death benefit guarantee. Substandard issues are available up to and including table P. Not all rating classes are available at all face amounts or at all ages. The ability to stop paying premiums out of pocket in the future is not guaranteed and is based on the then-current dividend scale. 5 Any benefits received under this rider may adversely affect the recipient s eligibility for public assistance programs; and the benefits received under this rider may be taxable.

5 Guarantee Advantage Universal Life Risk Class / Issue Age > Elite Nonsmoker; Issue Ages 8-80 > Standard Nonsmoker and Smoker; Issue Ages 8-85 > Substandard Nonsmoker and Smoker; Issue Ages 8-85 MetLife Provider Universal Life SM > Elite Nonsmoker; Issue Ages 8-80 > Standard Nonsmoker and Smoker; Issue Ages 8-85 > Substandard Nonsmoker and Smoker; Issue Ages 8-85 All Other $50,000 Qualified Pension Cases $5,000 / Coverage Continuation Benefit Termination Date is at age 95 (or earlier, if elected by client), Policy is Face Amount Banding $50,000-$99,999 ($5,000 for Pension) $00,000-$9,999 $50,000-$99,999 $500,000-$999,999 5 $,000,000 and above Definition of Life Insurance Testing Cash Value Accumulation Test (CVAT) or Guideline Premium Test (GPT) > Option B: Increasing > Cash value and death benefit grow based on current assumptions. The current crediting interest rate is updated quarterly. > Preferred Loans > Overloan Protection Rider prevents a policy from lapsing due to indebtedness and potentially avoiding any tax consequences that may result from a policy lapse with loans, by providing a guaranteed paid-up insurance benefit. Risk Class Minimum All Other $50,000 Qualified Pension Cases $5,000 $50,000-$99,999 ($5,000 for Pension) $00,000-$9,999 $50,000-$99,999 $500,000-$999,999 5 $,000,000 and above Cash Value Accumulation Test (CVAT) > Clients can choose built-in death benefit guarantee up to age 95 > Allows 05 exchanges with carry-over loans > First-Year Guarantee Grace Period > 0-Day Renewal Grace Period (granted by administrative practice) Death Benefit Guarantee Features Built-in five year no-lapse guarantee. The built-in Coverage Continuation Benefit (CCB) can be used to obtain a guarantee of almost any length up to age 95. Payment streams can also be customized, including ten-pays and other limited payment scenarios, while still offering no lapse guarantees with the CCB. The CCB can be reinstated for up to nine months after a lapse of the benefit. Policy Riders > Acceleration of Death Benefit Rider (ADBR) > Guarantee Survivor Income Benefit (GSIB) > Guaranteed Survivor Plus Purchase Option (GSPO+) > Overloan Protection Rider (OPR) > Acceleration of Death Benefit Rider (ADBR) > Guarantee Survivor Income Benefit (GSIB) Policy Loans and Withdrawals Loans can be taken out any time after issue provided there is an available loan value. Withdrawals are available after the first policy year provided there is cash surrender value. Carry-over loans on 05 exchanges are available up to 50% of the total 05 amount. A non-guaranteed preferred loan rate of.5% applies in the first 5 years for loans rolled over with a 05 exchange (no preferred loan rate in NY). Guarantee Advantage UL policies will be enhanced to offer better access to cash value with zero net cost loans in year 6 and beyond on a current basis and the addition of the Overloan Protection Rider. This will result in increased access to cash value through partial withdrawals and loans, which can help you win cases. Current Years -5:.00% (0.50% Preferred) Years 6-0: 0.00% Years +: 0.00% Guaranteed Years -5:.00% Years 6-0:.00% Years +:.00% While this policy is generally not designed to generate significant cash surrender value, loans can be taken out at any time after issue, provided there is an available loan value. Loans will have a negative impact on the no-lapse guarantee duration. Policy loans will decrease the cash value and death benefit. Carry-over loans on 05 exchanges are available up to 50% of the total 05 amount. A non-guaranteed preferred loan rate of.5% applies in the first 5 years for loans rolled over with a 05 exchange (no preferred loan rate in NY). Current Years -5:.00% (0.50% Preferred) Years 6-0: 0.50% Years +: 0.5% Last Product Update /9/0 6/5/0 Guaranteed Years -5:.00% Years 6-0:.00% Years +:.00% Loans and withdrawals will lower the cash value and death benefit. For policies with a guarantee rider, loans and withdrawals could jeopardize the desired duration of the death benefit guarantee. For issue ages 8-85, only rated classes B, C and D are available. Any benefits received under this rider may adversely affect the recipient s eligibility for public assistance programs; and the benefits received under this rider may be taxable.

6 Legacy Advantage Survivorship Universal Life SM Equity Advantage Variable Universal Life SM Risk Class / Issue Age > Elite Nonsmoker; Issue Ages 8-80 > Standard Nonsmoker and Smoker; Issue Ages 8-90 > Substandard Nonsmoker and Smoker; Issue Ages 8-90 Younger Insured 0 / Younger Insured 0 / > Elite Nonsmoker; Issue Ages 8-80 > Standard Nonsmoker and Smoker; Issue Ages 8-85 > Substandard Nonsmoker and Smoker; Issue Ages 8-85 Minimum Face Amount $50,000 Risk Class Minimum All Other $50,000 Qualified Pension Cases $5,000 Face Amount Banding $50,000-$999,999 $,000,000 and above $50,000-$99,999 ($5,000 for Pension) $00,000-$9,999 $50,000-$99,999 $500,000-$999,999 5 $,000,000 and above Definition of Life Insurance Testing Guideline Premium Test (GPT) Cash Value Accumulation Test (CVAT) or Guideline Premium Test (GPT) > Option B: Increasing > Cash value and death benefit grow based on current assumptions. The current crediting rating is updated quarterly. > Persistency Credit of at least 0.50% after 9 years > Preferred Loans > Option B: Variable > Option C: Automatic B to A switch at age 65 > Guaranteed Minimum Death Benefit options with no investment restrictions > Guaranteed Zero Net Cost Loans after tenth policy year > Reduced premium load on funding over target > Automated investment strategies > Wide variety of investment options including the Fixed Account > Currently free unlimited transfers (including transfers from the fixed account) > 0% surrender charge free withdrawals each year > Guaranteed Issue available for groups that meet criteria > Overloan Protection Rider prevents a policy from lapsing due to indebtedness and potentially avoiding any tax consequences that may result from a policy lapse with loans, by providing a guaranteed paid-up insurance benefit. Death Benefit Guarantee Features Built-in five year no-lapse guarantee. Available premium options provide guarantees for five years, 0 years or until age 65. The GMDB rider offers premium-based guarantees to age 85 or for life with an additional monthly charge assessed. The availability of these premium based guarantees varies by issue age and risk class. The guarantees have no investment restrictions. GMDB can be reinstated for up to nine months after lapse provided the policy is still in force. Policy Riders Policy Loans and Withdrawals > Estate Preservation Term Rider (EPTR) > Policy Split Option (PSO) Loans can be taken out any time after issue provided there is an available loan value. Withdrawals are available after the first policy year provided there is cash surrender value. Carry-over loans on 05 exchanges are available up to 50% of the total 05 amount. A nonguaranteed preferred loan rate of.5% applies in the first 5 years for loans rolled over with a 05 exchange (no preferred loan rate in NY). Current Years -0:.00% (.00% Preferred) Years -5:.00% Years 6+: 0.00% Guaranteed Years -0:.00% Years -5:.00% Years 6+:.00% Last Product Update /9/0 0/9/0 > Acceleration of Death Benefit Rider (ADBR) > Accidental Death Benefit (ADB) > Children s Term Insurance Rider (CTIR) > Guaranteed Insurability Rider (GIR) > Guaranteed Minimum Death Benefit (GMDB) > Guarantee Survivor Income Benefit (GSIB) > Overloan Protection Rider (OPR) > Waiver of Monthly Deduction Rider (WMDR) Loans can be taken out any time after issue provided there is an available loan value. Withdrawals are available after the first policy year provided that there is cash surender value. Carry-over loans on 05 exchanges are available up to 80% of the total 05 amount. 0% surrender charge-free withdrawals each year. Current & Guaranteed Years -0:.00% Years +: 0.00% Loans and withdrawals will lower the cash value and death benefit. For policies with a guarantee rider, loans and withdrawals could jeopardize the desired duration of the death benefit guarantee. Any benefits received under this rider may adversely affect the recipient s eligibility for public assistance programs; and the benefits received under this rider may be taxable. 5

7 This product is a life insurance policy that accelerates the death benefit on account of chronic illness, and is not a health insurance policy providing long term care insurance subject to the minimum requirements of New York Law, does not qualify for the New York State Long Term Care Partnership program and is not a Medicare supplement policy. For Guarantee Advantage UL and the Legacy Advantage SUL, the policy s five-year no-lapse guarantee remains in force provided required premiums are paid and certain other requirements described in the policy are met. If the guarantee terminates, the policy will stay in force for as long as its cash surrender value is sufficient to pay the monthly deductions when due. If the cash surrender value is insufficient to pay the monthly deductions and the required premium is not received by the end of the grace period provided in the policy, the policy will lapse and terminate without any cash surrender value. For MetLife Provider UL, the Coverage Continuation Benefit (CCB) guarantees that the policy will remain in force, as long as the required premiums are paid, until the end of the selected guarantee period, but no later than age 95. Policy changes, withdrawals, or loans not accounted for at the time the CCB premium was determined will affect the CCB guarantee s duration or cause the policy to lapse. If the CCB terminates, the policy will stay in force as long as either its cash value is sufficient to pay for the policy s monthly charges or a premium payment sufficient to pay those charges is made within the policy s grace period. The CCB does not guarantee the policy s cash value. If only the premium to maintain the CCB guarantee is paid, the policy cash value could become a negative amount. In that situation, the monthly deductions for policy charges will be accumulated without interest. This amount must be repaid before any cash value can be accumulated. Descriptions of policy features are only partial and state variations may apply. For a complete description, see the prospectus for Equity Advantage VUL and/or sample policy forms for all other products mentioned. For Equity Advantage Variable Universal Life, Variable Life Insurance is offered by prospectus only, which is available from your registered representative. Clients should carefully read the product prospectus and consider the product s features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well other information about the underlying funding choices. This and other information is available in the product prospectus and in the prospectuses for the underlying funding choices, which clients should read carefully before investing. Product availability and features may vary by state. All product guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. MetLife life insurance policies have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment option values in these variable insurance products will meet their stated goals or objectives. The cash value is subject to market fluctuations so that when amounts are withdrawn from these investment options, they may be worth more or less than the original allocations to them. Guaranteed Level Term is issued by MetLife Investors USA Insurance Company on policy form 5E-- and in New York only by Metropolitan Life Insurance Company on policy form E---NY. MetLife One Year Term is issued by MetLife Investors USA Insurance Company on Policy Form 5E-- and in New York only by Metropolitan Life Insurance Company on Policy Form E---NYU. MetLife Promise Whole Life, MetLife Promise Whole Life 0, MetLife Promise Whole Life Select 0, MetLife Promise Whole Life Select 0, and MetLife Promise Whole Life Select 65 are issued by MetLife Investors USA Insurance Company generally on Policy Form 5E--0 in all jurisdictions except New York, where they are issued by Metropolitan Life Insurance Company generally on Policy Forms E--0-NY and E--0- NY-A. Guarantee Advantage Universal Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E--07 and in New York only by Metropolitan Life Insurance Company on Policy Form E--07-NY. Legacy Advantage Survivorship Universal Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E--05 and in New York only by Metropolitan Life Insurance Company on Policy Form E--05. MetLife Provider Universal Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E-6- and in New York only by Metropolitan Life Insurance Company on Policy Form E-6--NY. Equity Advantage Variable Universal Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E-6-06 and in New York only by Metropolitan Life Insurance Company on Policy Form E-6-06-NY-. Variable products are distributed by MetLife Investors Distribution Company (member FINRA). All are MetLife companies. All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company. August 0 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Union May Go Down In Value MetLife Investors USA Insurance Company MetLife Investors Distribution Company 5 Park Plaza, Suite 900 Irvine, CA 96 metlife.com Metropolitan Life Insurance Company 00 Park Avenue New York, NY 066 BDVL7 L0759[07] 0 METLIFE, INC. PEANUTS 0 Peanuts Worldwide