Zenith Accumulator Variable Annuity Performance Summary as of 05/31/18 Variable Investment Option Performance Update

Transcription

1 Metropolitan Life Insurance Company Zenith Accumulator Variable Annuity Performance Summary as of 05/31/18 Variable Investment Option Performance Update The performance data quoted represents past performance and does not guarantee future results. Current performance may be lower or higher than the performance figures quoted. Performance current to the most recent month-end may be viewed at The investment return and principal value of an investment will fluctuate and an investor's shares, when redeemed, may be worth more or less than their original cost. For Investment Divisions that invest in s of the underlying Trust that were in existence prior to the Investment Division inception date, these returns have been adjusted to reflect the charges and expenses of the Zenith Accumulator Variable Annuity, as if the contract had existed during the stated period(s), including all -level expenses, the Mortality & Expense and Administration Charges of 1.35% (the Mortality and Expense Risk Charge includes an additional charge of 0.25% of average daily net assets on the American Funds Bond, American Funds Growth, American Funds Growth-Income and American Funds Global Small Capitalization Sub-accounts) and the annual Account Fee of $30. These results do not reflect the contingent deferred sales charge which begins at 6.5% and decreases over 10 years (for returns reflecting these charges, see the Standardized report pages in this document that follows this Nonstandardized report). These figures represent past performance and are not an indication of future performance. Zenith Accumulator Variable Annuity Non-Standardized Performance: Without surrender charges applied as of 05/31/ Year or Since * Asset Class Variable Funding Options Style One Month YTD 1 Year 3 Year* 5 Year* Asset Allocation Brighthouse Asset Allocation 20 - Class B 0.25% -1.32% 0.94% 1.22% 1.79% 2.94% 05/02/2005 Brighthouse Asset Allocation 40 - Class B 0.31% -0.85% 3.47% 2.60% 3.56% 3.72% 05/02/2005 Brighthouse Asset Allocation 60 - Class B 0.59% -0.04% 6.54% 4.07% 5.44% 4.31% 05/02/2005 Brighthouse Asset Allocation 80 - Class B 0.79% 0.67% 9.63% 5.47% 7.17% 4.80% 05/02/2005 Brighthouse Asset Allocation Class A 1.07% 1.42% 12.51% 6.96% 8.86% 5.51% 05/01/2005 SSGA Growth and Income ETF - Class B 0.77% -0.59% 6.68% 3.58% 4.96% 4.16% 09/30/2005 SSGA Growth ETF - Class B 0.90% -0.21% 9.29% 4.79% 6.34% 4.39% 09/30/2005 (Large Cap) American Funds Growth Fund - Class 2 Growth 2.84% 7.30% 18.59% 12.73% 13.32% 7.48% 02/08/1984 American Funds Growth-Income Fund - Class 2 Blend 1.85% 4.40% 15.99% 9.62% 11.66% 6.97% 02/08/1984 BlackRock Capital Appreciation - Class A Growth 3.95% 11.59% 26.84% 12.70% 14.62% 8.21% 10/31/1994 Brighthouse/Wellington Core Equity Opportunities - Class A Value 1.11% 0.76% 9.18% 7.82% 9.35% 5.39% 10/31/1994 Brighthouse/Wellington Large Cap Research - Class B Blend 2.63% 1.72% 10.39% 8.61% 11.68% 6.66% 06/24/1983 ClearBridge Aggressive Growth - Class A Growth 3.27% 3.57% 11.39% 3.11% 9.96% 8.72% 05/01/2001 Fidelity VIP Equity-Income - Initial Class Value 0.89% -3.75% 4.53% 4.85% 6.88% 4.80% 10/09/1986 Jennison Growth - Class A Growth 4.73% 10.85% 26.29% 14.62% 16.27% 10.13% 05/01/2000 MetLife Stock Index - Class B Blend 2.24% 1.21% 12.20% 8.87% 10.82% 7.08% 05/01/1990 MFS Value - Class E Value -0.25% -4.69% 4.30% 6.24% 8.85% 6.28% 11/09/1998 T. Rowe Price Large Cap Growth - Class B Growth 3.09% 7.64% 19.49% 12.85% 15.16% 9.51% 11/09/1998 (Mid Cap) Brighthouse/Artisan Mid Cap Value - Class A Value 0.29% -0.73% 8.00% 5.43% 6.57% 5.25% 04/30/1993 Frontier Mid Cap Growth - Class B Growth 3.71% 3.49% 11.88% 6.69% 11.13% 5.77% 04/29/1988 MetLife Mid Cap Stock Index - Class B Blend 3.99% 2.25% 12.66% 8.16% 10.06% 7.89% 07/05/2000 Morgan Stanley Mid Cap Growth - Class B Growth 10.89% 18.00% 28.86% 10.29% 10.27% 3.49% 03/03/1997 T. Rowe Price Mid Cap Growth - Class B Growth 1.73% 3.92% 13.55% 9.35% 12.83% 9.47% 02/12/2001 Victory Sycamore Mid Cap Value - Class B Value 0.76% -0.40% 8.03% 1.85% 5.85% 3.94% 11/09/1998 (Small Cap) Invesco Small Cap Growth - Class B Growth 5.50% 8.79% 24.24% 10.24% 12.90% 9.34% 10/09/2001 Loomis Sayles Small Cap Core - Class A Blend 4.51% 4.25% 17.08% 9.17% 10.49% 8.83% 05/02/1994 Loomis Sayles Small Cap Growth - Class B Growth 8.03% 13.42% 29.00% 11.90% 12.35% 9.34% 05/01/2001 MetLife Russell 2000 Index - Class B Blend 5.94% 6.17% 18.65% 9.17% 10.36% 7.79% 11/09/1998 Neuberger Berman Genesis - Class A Value 2.78% 2.57% 13.45% 9.46% 10.04% 5.67% 07/05/2000 T. Rowe Price Small Cap Growth - Class B Growth 4.70% 5.73% 17.67% 9.47% 12.74% 10.69% 03/03/1997 Balanced Brighthouse/Wellington Balanced - Class B 1.72% 0.29% 5.67% 5.36% 7.42% 5.42% 07/25/1986 MFS Total Return - Class E 0.30% -2.65% 3.07% 3.77% 5.56% 4.65% 10/31/1994 International Equity American Funds Global Small Capitalization Fund - Class % 5.81% 18.30% 4.29% 7.76% 3.46% 04/30/1998 Baillie Gifford International Stock - Class A -1.24% -2.44% 9.44% 6.61% 6.64% -0.16% 10/31/1994 Harris Oakmark International - Class E -4.74% -5.42% 5.09% 4.39% 5.29% 5.76% 10/09/2001 MetLife MSCI EAFE Index - Class B -2.07% -2.06% 5.95% 2.45% 4.21% 0.24% 11/09/1998 MFS Research International - Class B -1.77% -1.77% 7.17% 2.33% 3.85% 0.48% 02/12/2001 Oppenheimer Global Equity - Class B 1.44% 1.70% 16.68% 7.85% 9.78% 6.22% 03/03/1997 Fixed Income American Funds Bond Fund - Class 2 Interm. 0.24% -2.56% -2.43% -0.38% 0.06% 1.01% 04/30/1997 BlackRock Bond Income - Class A Interm. 0.56% -1.80% -1.33% 0.22% 1.03% 2.54% 08/26/1983 BlackRock Ultra-Short Term Bond - Class A Ultrashort 0.05% 0.05% -0.23% -0.79% -1.04% -1.04% 08/26/1983 MetLife Aggregate Bond Index - Class B Interm. 0.55% -2.27% -2.31% -0.55% 0.05% 1.75% 11/09/1998 PIMCO Inflation Protected Bond - Class B Infltn Protctd 0.19% -1.30% -0.96% -0.32% -1.12% 1.61% 05/01/2003 PIMCO Total Return - Class B Interm. 0.51% -2.08% -1.44% -0.04% 0.22% 2.92% 02/12/2001 Western Asset Management Strategic Bond Opportunities - Class B Multisector -0.93% -3.04% -0.91% 1.77% 1.68% 4.40% 10/31/1994 Western Asset Management U.S. Government - Class A Interm. Gov. 0.31% -1.36% -1.79% -0.75% -0.40% 0.89% 10/31/1994 Specialty Clarion Global Real Estate - Class B -0.29% -3.88% 1.96% 0.38% 2.49% 1.58% 04/30/ Return Not Available *Annualized for Investment Options/s in existence for more than one year. Page 1 of 5

2 Prior to March 6, 2017, Brighthouse Funds Trust I was known as Met Investors Series Trust and Brighthouse Funds Trust II was known as Metropolitan Series Fund. Current performance may be lower or higher than the performance quoted. This is past performance and is no guarantee of future results. A MetLife investment option may have a name and/or investment objective similar to that of another mutual fund with the same manager. Despite any similarity, the MetLife option is separate and distinct and will not have the same performance. Different performance will result from different investment policies, cash flows, fees, expenses and fund asset sizes. The performance shown may reflect, for some periods described, the management of previous investment managers. Please see the prospectus for more information. Waiver and/or reimbursement of investment management fees and certain fund expenses may have taken place for each of these portfolios in the past. Such waivers and/or reimbursements have the effect of increasing performance results. Certain investment options may have adopted, with respect to certain classes, a distribution plan under Rule 12b-1 of the Investment Company Act of MetLife is paid the 12b- 1 fee under the plan. Please see the prospectus for more information. Asset allocation portfolios are "fund of funds" portfolios. Because of this two-tier structure, each asset allocation portfolio bears its own investment management fee and expenses as well as its pro rata share of the management fee and expenses of the underlying portfolios. The Contract Owner may be able to realize lower aggregate expenses by investing directly in the underlying portfolios instead of investing in an asset allocation portfolio. In that case, you would not receive the asset allocation services provided by an investment adviser. The performance shown for the Lord Abbett Bond Debenture s Class B shares for the period before February 12, 2002 is based on the performance of the s predecessor fund (Bond Debenture, a series of Cova Trust Series), as restated to reflect Class B s.25% 12b-1 fee. MetLife Stock Index Class B shares are only available under contracts issued on or after May 1, 1995 and Class A shares for contracts issued prior to May 1, MFS Total Return Class E shares are only available under contracts issued on or after May 1, 1995 and Class A shares for contracts issued prior to May 1, On or about April 30, 2007, the BlackRock Large Cap of the Metropolitan Series Fund, Inc. merged into the BlackRock Large-Cap Core (currently known as WMC Large Cap Research ) of the Met Investors Series Trust. Values prior to April 30, 2007 reflect the performance of the BlackRock Large Cap (formerly the BlackRock Investment Trust ). Prior to March 6, 2017, Brighthouse Funds Trust I was known as Met Investors Series Trust and Brighthouse Funds Trust II was known as Metropolitan Series Fund. Effective April 28, 2008, the MFS Value of the Met Investors Series Trust (MIST) merged with and into the MFS Value of the Metropolitan Series Fund, Inc. (MSF). Values before April 28, 2008 reflect the performance of the MSF MFS Value (formerly Harris Oakmark Large Cap Value ) since its inception on November 9, (Note that because the MIST MFS Value is deemed to be the accounting survivor of the merger, the performance history set forth in the s April 28, 2008 prospectus is that of the MIST MFS Value.) Effective May 3, 2010, the following investment portfolio merged: FI Mid Cap Opportunities into Morgan Stanley Mid Cap Growth. Performance for the Morgan Stanley Mid Cap Growth consists of the performance for the FI Mid Cap Opportunities before and on April 30, 2010 and the Morgan Stanley Mid Cap Growth after April 30, As of May 2, 2011, the following portfolios merged: MetLife Aggressive Allocation into MetLife Aggressive Strategy (currently known as MetLife Asset Allocation 100 ). Performance for the MetLife Aggressive Strategy consists of the performance of the MetLife Aggressive Allocation before and on April 29, 2011 and the MetLife Aggressive Strategy after April 29, As of May 2, 2011, the following portfolios merged: Legg Mason Value Equity into Legg Mason ClearBridge Aggressive Growth (currently known as ClearBridge Aggressive Growth ). As a result of a share class exchange the performance for the Legg Mason ClearBridge Aggressive Growth consists of the performance of the Legg Mason ClearBridge Aggressive Growth - Class B before and on April 29, 2011 and the Legg Mason ClearBridge Aggressive Growth - Class A after April 29, Effective April 30, 2012, the Lord Abbett Mid Cap Value of the Metropolitan Series Fund merged into the Lord Abbett Mid Cap Value (currently known as Invesco Mid Cap Value ) of the Met Investors Series Trust. Values before April 30, 2012 reflect the performance of the Lord Abbett Mid Cap Value of the Metropolitan Series Fund. Effective April 29, 2013, the Class E shares of the MFS Value were exchanged for Class A shares of the MFS Value. As a result of the share class exchange, values before April 29, 2013 reflect the performance of the MFS Value - Class E. Effective April 29, 2013, the Class B shares of the MetLife Aggressive Strategy (currently known as MetLife Asset Allocation 100 ) were exchanged for Class A shares of the MetLife Aggressive. As a result of the share class exchange, values before April 29, 2013 reflect the performance of the MetLife Aggressive Strategy - Class B. Prior to the opening of business on April 29, 2013, the Oppenheimer Global Equity of the Metropolitan Series Fund (MSF) merged with and into the Met/Templeton Growth of Met Investors Series Trust (MIST) and the Met/Templeton Growth was renamed the MIST Oppenheimer Global Equity. Values before April 29, 2013 reflect the performance of the Oppenheimer Global Equity of the Metropolitan Series Fund. Effective on or about September 1, 2017, Massachusetts Financial Services replaced BlackRock Advisors, LLC as the subadviser to the MFS Value II, which was previously known as BlackRock Large Cap Value. Effective on or about December 15, 2017, Victory Capital Management, Inc. replaced Invesco Advisors Inc. as subadviser to the Victory Sycamore Mid Cap Value, which was previously known as Invesco Mid Cap Value. Effective April 30, 2018, the MFS Value II (formerly known as BlackRock Large Cap Value ) of the BrightHouse Funds Trust II merged into the MFS Value of the BrightHouse Funds Trust II. Investment Performance Is Not Guaranteed. Zenith Accumulator variable annuity issued by Metropolitan Life Insurance Company is offered by prospectus and is available from your financial professional. The contract prospectus contains information about the contract s features, risks, charges and expenses. Investors should consider the investment objectives, features, risks, charges and expenses of the investment company carefully before investing. The investment objectives, risks and policies of the funding options, as well as other information about the funding options, are described in their respective prospectuses. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. Please refer to the contract prospectus for more complete details regarding the living and death benefits. Variable annuities are long-term investments designed for retirement purposes. Variable annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in this product will meet its stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. All product guarantees, including optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. Please contact your financial professional for complete details. Page 2 of 5

3 Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% federal income tax penalty. Distributions of taxable amounts from a nonqualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution Tax if your modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the living and death benefits and account value. Withdrawals may be subject to withdrawal charges. The Zenith Accumulator variable annuity is issued by Metropolitan Life Insurance Company, New York, NY Policy Form V11 and distributed by MetLife Investors Distribution Company (member FINRA), New York, NY All are MetLife companies. Metropolitan Life Insurance Company 200 Park Avenue New York, NY CLVA6596 L [exp0519][All States] Page 3 of 5

4 Zenith Accumulator Variable Annuity The performance data quoted represents past performance and does not guarantee future results. Current performance may be lower or higher than the performance figures quoted. Performance current to the most recent month-end may be viewed at The investment return and principal value of an investment will fluctuate and an investor's shares, when redeemed, may be worth more or less than their original cost. Each Funding Option consists of an investment division of the separate account supporting the contract (an "Investment Division") that invests solely in shares of a fund portfolio (a ""). Standardized Performance for an Funding Option, as defined by the SEC, is the Average Annual Total Return for periods commencing no earlier than the Investment Division inception date and terminating at the end of the most recent calendar quarter. Average Annual Total Returns shown that include periods prior to the Investment Division inception date are Non-Standardized Performance. Charges for Standardized Performance include all -level expenses, the Mortality & Expense and Administration Charges of 1.35% (the Mortality and Expense Risk Charge includes an additional charge of 0.25% of average daily net assets on the American Funds Bond, American Funds Growth, American Funds Growth-Income and American Funds Global Small Capitalization Sub-accounts), the maximum applicable contingent deferred sales charge of 6.5% and the annual Account Fee of $30. Past performance does not guarantee future results. Zenith Accumulator Variable Annuity Asset Class Variable Funding Options 1 Year 5 Years* 10 Years or Since * 1 Year 5 Years* 10 Years or Since Sub- Account * Sub- Account Asset Allocation Brighthouse Asset Allocation % 0.95% 2.85% -3.73% 0.91% 2.99% 05/02/ /02/2005 Brighthouse Asset Allocation % 2.71% 3.63% -1.15% 2.83% 3.89% 05/02/ /02/2005 Brighthouse Asset Allocation % 4.57% 4.22% 1.48% 4.75% 4.59% 05/02/ /02/2005 Brighthouse Asset Allocation % 6.29% 4.70% 4.43% 6.54% 5.17% 05/02/ /02/2005 Brighthouse Asset Allocation % 7.96% 5.42% 7.10% 8.28% 5.95% 05/01/ /01/2005 SSGA Growth and Income ETF 0.43% 4.10% 4.06% 2.07% 4.02% 4.47% 09/30/ /01/2006 SSGA Growth ETF 2.90% 5.46% 4.30% 4.60% 5.45% 4.83% 09/30/ /01/2006 (Large Cap) American Funds Growth 11.65% 12.39% 7.38% 11.84% 12.45% 7.75% 02/08/ /01/2001 American Funds Growth-Income 9.20% 10.74% 6.87% 8.03% 10.97% 7.22% 02/08/ /01/2001 BlackRock Capital Appreciation 19.42% 13.68% 8.12% 19.31% 13.06% 8.59% 10/31/ /19/1995 Brighthouse/Wellington Core Equity Opportunities 2.79% 8.45% 5.30% 3.27% 9.04% 5.78% 10/31/ /19/1995 Brighthouse/Wellington Large Cap Research 3.93% 10.76% 6.56% 4.35% 11.14% 7.07% 06/24/ /01/2001 ClearBridge Aggressive Growth 4.87% 9.06% 8.62% 1.54% 9.70% 9.24% 05/01/ /01/2001 Fidelity VIP Equity-Income -1.58% 6.00% 4.70% -2.61% 6.55% 5.16% 10/09/ /01/1993 Jennison Growth 18.90% 15.32% 10.03% 20.14% 14.85% 10.26% 05/01/ /01/2000 MetLife Stock Index 5.64% 9.91% 6.98% 5.31% 10.24% 7.34% 05/01/ /22/2001 MFS Value -1.80% 7.95% 6.19% 1.13% 9.22% 6.99% 11/09/ /01/2002 T. Rowe Price Large Cap Growth 12.50% 14.21% 9.41% 15.66% 14.26% 10.03% 11/09/ /01/2004 (Mid Cap) Brighthouse/Artisan Mid Cap Value 1.68% 5.69% 5.16% -0.56% 5.59% 5.58% 04/30/ /19/1995 Frontier Mid Cap Growth 5.34% 10.21% 5.68% 8.34% 10.14% 6.82% 04/29/ /01/2004 MetLife Mid Cap Stock Index 6.07% 9.15% 7.79% 2.46% 8.94% 8.74% 07/05/ /22/2001 Morgan Stanley Mid Cap Growth 21.32% 9.36% 3.39% 24.86% 8.61% 3.62% 03/03/ /22/2001 T. Rowe Price Mid Cap Growth 6.91% 11.91% 9.37% 11.24% 12.56% 10.55% 02/12/ /01/2001 Victory Sycamore Mid Cap Value 1.71% 4.98% 3.85% -1.60% 5.30% 5.00% 11/09/ /01/2001 (Small Cap) Invesco Small Cap Growth 16.97% 11.97% 9.24% 12.18% 11.01% 9.77% 10/09/ /01/2002 Loomis Sayles Small Cap Core 10.23% 9.58% 8.73% 4.05% 9.44% 9.12% 05/02/ /19/1995 Loomis Sayles Small Cap Growth 21.45% 11.43% 9.25% 14.01% 10.90% 9.64% 05/01/ /01/2001 MetLife Russell 2000 Index 11.71% 9.45% 7.69% 3.43% 8.74% 7.88% 11/09/ /22/2001 Neuberger Berman Genesis 6.81% 9.14% 5.57% 5.25% 9.07% 6.01% 07/05/ /22/2001 T. Rowe Price Small Cap Growth 10.79% 11.81% 10.59% 8.71% 11.76% 11.51% 03/03/ /01/2004 Balanced Brighthouse/Wellington Balanced -0.51% 6.53% 5.33% 0.42% 6.79% 5.61% 07/25/ /01/2004 MFS Total Return -2.96% 4.69% 4.56% -1.31% 5.12% 4.89% 10/31/ /19/1995 International Equity Average Annual Total Return as of 05/31/2018 Assuming Contract Surrender American Funds Global Small Capitalization 11.38% 6.87% 3.36% 8.91% 6.38% 3.50% 04/30/ /01/2001 Baillie Gifford International Stock 3.04% 5.76% -0.25% 13.77% 6.26% 0.52% 10/31/ /31/1994 Harris Oakmark International -1.06% 4.42% 5.66% 7.59% 6.53% 6.35% 10/09/ /01/2002 MetLife MSCI EAFE Index -0.25% 3.35% 0.14% 6.39% 3.69% 0.80% 11/09/ /22/2001 MFS Research International 0.90% 2.99% 0.39% 10.10% 3.40% 1.27% 02/12/ /01/2001 Oppenheimer Global Equity 9.86% 8.88% 6.12% 15.04% 9.04% 6.58% 03/03/ /01/2004 Fixed Income American Funds Bond -8.14% -0.76% 0.92% -6.41% -0.83% 1.08% 04/30/ /01/2006 BlackRock Bond Income -7.10% 0.19% 2.45% -5.56% 0.16% 2.43% 08/26/ /19/1995 BlackRock Ultra-Short Term Bond -6.07% -1.85% -1.13% -6.22% -1.92% -1.12% 08/26/ /29/1988 MetLife Aggregate Bond Index -8.02% -0.77% 1.66% -6.56% -0.93% 1.56% 11/09/ /22/2001 PIMCO Inflation Protected Bond -6.76% -1.94% 1.52% -6.37% -2.76% 1.37% 05/01/ /01/2006 PIMCO Total Return -7.21% -0.60% 2.83% -5.55% -0.76% 2.79% 02/12/ /01/2001 Western Asset Management Strategic Bond Opportunities -6.70% 0.84% 4.31% -3.16% 1.17% 4.48% 10/31/ /19/1995 Western Asset Management U.S. Government -7.53% -1.22% 0.80% -6.74% -1.30% 0.73% 10/31/ /19/1995 Specialty Clarion Global Real Estate -4.00% 1.64% 1.48% -3.18% 1.03% 1.66% 04/30/ /01/ Return Not Available *Annualized for Investment Options/s in existence for more than one year. Current performance may be lower or higher than the performance quoted. This is past performance and is no guarantee of future results. Prior to March 6, 2017, Brighthouse Funds Trust I was known as Met Investors Series Trust and Brighthouse Funds Trust II was known as Metropolitan Series Fund. Investment Performance Is Not Guaranteed. Standardized as of 03/31/2018 Assuming Contract Surrender Page 4 of 5

5 Zenith Accumulator variable annuity issued by Metropolitan Life Insurance Company is offered by prospectus and is available from your financial professional. The contract prospectus contains information about the contract s features, risks, charges and expenses. Investors should consider the investment objectives, features, risks, charges and expenses of the investment company carefully before investing. The investment objectives, risks and policies of the funding options, as well as other information about the funding options, are described in their respective prospectuses. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. Please refer to the contract prospectus for more complete details regarding the living and death benefits. Variable annuities are long-term investments designed for retirement purposes. Variable annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in this product will meet its stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. All product guarantees, including optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. Please contact your financial professional for complete details. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% federal income tax penalty. Distributions of taxable amounts from a nonqualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution Tax if your modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the living and death benefits and account value. Withdrawals may be subject to withdrawal charges. The Zenith Accumulator variable annuity is issued by Metropolitan Life Insurance Company, New York, NY Policy Form V11 and distributed by MetLife Investors Distribution Company (member FINRA), New York, NY All are MetLife companies. Metropolitan Life Insurance Company 200 Park Avenue New York, NY CLVA6596 L [exp0519][All States] Page 5 of 5