Annuities Variable. Driven. by choice. Simplified. by design. INVESTMENT PORTFOLIO ARCHITECT SM. blueprint models and investment fact card

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1 Annuities Variable Driven by choice. Simplified by design. INVESTMENT PORTFOLIO ARCHITECT SM blueprint models and investment fact card

2 table of contents: MetLife Blueprint Models...pg. 1 Active Management Blueprint Models...pg. 2 Passive Management Blueprint Models...pg. 4 Thematic Blueprint Models...pg. 6 Individual Investment Options...pg. 8

3 MetLife Blueprint Models The MetLife Blueprint Models provide a range of investment solutions designed to meet your investing style and objectives. Blueprint Models include Active Management, Passive Management, and Thematic Models. Active models underlying assets include the actively managed MetLife Asset Allocation portfolios paired with alternative investments Passive models underlying assets include passively managed index portfolios paired with alternative investments Thematic models designed to align with targeted financial objectives Alternative investments include real assets (including real estate, REITs, land and infrastructure), hedge funds, commodities and private equity investments that fall outside traditional asset classes. Investing in alternative asset classes involves special risk and may not be suitable for all investors. When you choose one or more of the Blueprint Models, you are investing in the underlying portfolios within the models, not in the models themselves. Blueprint Models are set up for initial election only and do not automatically rebalance. Contract statements will reflect the underlying portfolios only. You may, however, request periodic rebalancing of your asset allocation. Your investment allocation changes over time due to market performance. Requesting periodic rebalancing helps to maintain the selected percentage allocations. For more information please speak with your financial professional. Blueprint Models Asset Allocation Approach 1 Asset allocation, in general, is an investment strategy intended to optimize the selection of investments for a given level of risk tolerance in order to attempt to maximize returns and limit the effects of market volatility. Develop Asset Allocation Framework Develop strategic forecasts based on institutional data Make use of wide array of core and specialty asset classes Extensive Manager Research Screen, evaluate and select managers based on insight into drivers of risk and return Qualitative depth and quantitative sophistication Model Construction Forecast alpha, tracking error and correlations 2 Blend underlying managers with different and complementary styles Ongoing Monitoring Assist with monitoring Blueprint Models and underlying investment options Update capital market assumptions Models will be reviewed at minimum on an annual basis 1 Neither asset allocation nor diversification can ensure a profit or guarantee against a loss. 2 Alpha is a measure of a portfolio s relative performance versus the benchmark on a risk-adjusted basis. Tracking error is the standard deviation of the difference between portfolio returns and benchmark returns. Correlation is a measure of how two portfolios move in relation to each other. 1

4 Active Management Blueprint Models Allocation The Active Management Blueprint Models are designed for investors seeking active investment managers allocated across equity, fixed income and alternative investments. There is no guarantee the Active Management Blueprint Models will meet their objectives. Active Management Conservative Model BP MetLife Asset Allocation Portfolios Underlying Holdings* MetLife Asset Allocation Portfolio 20 AA 90% 12% 8% 5% 11% 11% 9% 9% 0% 3% 0% 2% 2% 2% 1% Permal Alternative Select VIT Portfolio AI 10% Active Management Moderately Conservative Model BP MetLife Asset Allocation Portfolio 40 AA 87% 7% 5% 3% 8% 8% 6% 6% 0% 3% 0% 2% 3% 3% 2% Permal Alternative Select VIT Portfolio AI 13% Active Management Balanced Model BP MetLife Asset Allocation Portfolio 60 AA 84% 3% 3% 3% 5% 5% 4% 4% 1% 1% 1% 2% 3% 3% 3% Permal Alternative Select VIT Portfolio AI 16% Active Management Growth Model BP MetLife Asset Allocation Portfolio 80 AA 88% 0% 1% 0% 3% 3% 2% 2% 1% 1% 0% 1% 3% 4% 3% Permal Alternative Select VIT Portfolio AI 12% Active Management Aggressive Model BP MetLife Asset Allocation Portfolio 100 AA 90% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 5% 3% Permal Alternative Select VIT Portfolio AI 10% The portfolios listed to the right are the underlying portfolios within the MetLife Asset Allocation Portfolios. This chart shows the target allocations, as of April 30, 2015, for each of the MetLife Asset Allocation Portfolios (MAAP) as they are represented within the respective Active Model*. Target allocations are reviewed at least annually and may be revised. The MAAP portfolio s allocations to the underlying portfolios may deviate from the target allocations due to investment performance and other factors, but the MAAP funds periodically rebalance their holdings back toward the targeted percentages on a quarterly basis. Western Asset Management U.S. Government Portfolio PIMCO Inflation Protected Bond Portfolio Met/Franklin Low Duration Total Return Portfolio PIMCO Total Return Portfolio BlackRock Bond Income Portfolio JPMorgan Core Bond Portfolio TCW Core Fixed Income Portfolio Lord Abbett Bond Debenture Portfolio Western Asset Management Strategic Bond Opportunities Portfolio BlackRock High Yield Portfolio Met/Eaton Vance Floating Rate Portfolio Met/Templeton International Bond Portfolio Invesco Comstock Portfolio BlackRock Large Cap Value Portfolio * The MetLife Asset Allocation Portfolio underlying holding percentages have been rounded. Therefore, the total sum of the underlying holding percentages may not exactly equal the respective MetLife Asset Allocation Portfolio allocation percentage as shown within the Blueprint Model.

5 MetLife Active Management Blueprint Model Descriptions Conservative Model: most appropriate for a conservative investor with a low risk tolerance and/or short time horizon who seeks stable income and low volatility with allocation to alternative investments for additional risk diversification. Moderately Conservative Model: most appropriate for a moderately conservative investor who seeks income and low volatility with allocation to alternative investments for additional risk diversification. This investor typically has either a moderate time horizon or a slightly higher risk tolerance than the most conservative investor. Balanced Model: most appropriate for an investor who seeks stable returns and upside potential with allocation to alternative investments for additional risk diversification. Designed for investors who have a longer time horizon and/or higher risk tolerance. Growth Model: most appropriate for an investor who seeks growth with some downside protection and further risk diversification with allocation to alternative investments. This investor typically has higher than average risk tolerance and longer time horizon. Aggressive Model: most appropriate for an aggressive investor who has a strong risk appetite, extended time horizon and seeks capital appreciation with allocation to alternative investments for additional risk diversification. MetLife Asset Allocation Portfolios Underlying Holdings* 2% 2% 2% 1% 0% 1% 1% 1% 0% 0% 0% 0% 0% 0% 0% 1% 0% 0% 0% 0% 1% 1% 1% 1% 0% 0% 0% 0% 0% 3% 3% 3% 1% 1% 2% 2% 2% 0% 0% 0% 0% 0% 0% 1% 1% 1% 1% 0% 0% 2% 2% 1% 1% 0% 1% 1% 0% 1% 4% 3% 3% 3% 3% 3% 3% 2% 0% 1% 0% 1% 0% 0% 1% 1% 1% 1% 0% 1% 3% 2% 2% 2% 1% 1% 2% 1% 1% 4% 4% 4% 4% 4% 4% 3% 3% 1% 1% 0% 1% 0% 0% 1% 1% 1% 2% 1% 1% 4% 3% 3% 3% 1% 2% 3% 2% 2% 5% 5% 5% 5% 5% 5% 4% 3% 1% 2% 1% 1% 1% 1% 2% 1% 2% 2% 2% 1% 4% 3% 3% 3% 2% 3% 4% 4% 3% MFS Value Portfolio T. Rowe Price Large Cap Value Portfolio WMC Core Equity Opportunities Portfolio Jennison Growth Portfolio ClearBridge Aggressive Growth Portfolio T. Rowe Price Large Cap Growth Portfolio BlackRock Capital Appreciation Portfolio WMC Large Cap Research Portfolio Goldman Sachs Mid Cap Value Portfolio Met/Artisan International Portfolio Invesco Mid Cap Value Portfolio T. Rowe Price Mid Cap Growth Portfolio Morgan Stanley Mid Cap Growth Portfolio Frontier Mid Cap Growth Portfolio MetLife Small Cap Value Portfolio Neuberger Berman Genesis Portfolio JPMorgan Small Cap Value Portfolio Invesco Small Cap Growth Portfolio Loomis Sayles Small Cap Core Portfolio T. Rowe Price Small Cap Growth Portfolio Harris Oakmark International Portfolio Baillie Gifford International Stock Portfolio MFS Research International Portfolio Met/Artisan International Portfolio Oppenheimer Global Equity Portfolio Clarion Global Real Estate Portfolio Van Eck Global Natural Resources Portfolio Met/Dimensional International Small Company Portfolio MFS Emerging Markets Equity Portfolio

6 Passive Management Blueprint Models Allocation The Passive Management Blueprint Models are designed for investors seeking broad market exposure as a way to allocate across equity, fixed income and alternative investments. There is no guarantee the Passive Management Blueprint Models will meet their objectives. Portfolios Passive Management Conservative Model BP Barclays Aggregate Bond Index Portfolio 63% MetLife Stock Index Portfolio 9% MetLife Mid Cap Stock Index Portfolio 3% Russell 2000 Index Portfolio 2% MSCI EAFE Index Portfolio 5% Permal Alternative Select VIT Portfolio AI 18% 4

7 Passive Management Moderately Conservative Model BP Passive Management Balanced Model BP Passive Management Growth Model BP Passive Management Aggressive Model BP 45% 32% 13% 0% 18% 26% 34% 40% 7% 8% 12% 14% 3% 4% 6% 8% 10% 15% 21% 26% 17% 15% 14% 12% 100% 100% 100% 100% MetLife Passive Management Blueprint Model Descriptions Conservative Model: most appropriate for a conservative investor with a low risk tolerance and/or short time horizon who seeks stable income and low volatility with allocation to alternative investments for additional risk diversification. Moderately Conservative Model: most appropriate for a moderately conservative investor who seeks income and low volatility with allocation to alternative investments for additional risk diversification. This investor typically has either a moderate time horizon or a slightly higher risk tolerance than the most conservative investor. Balanced Model: most appropriate for an investor who seeks stable returns and upside potential with allocation to alternative investments for additional risk diversification. Designed for investors who have a longer time horizon and/or higher risk tolerance. Growth Model: most appropriate for an investor who seeks growth with some downside protection and further risk diversification with allocation to alternative investments. This investor typically has higher than average risk tolerance and longer time horizon. Aggressive Model: most appropriate for an aggressive investor who has a strong risk appetite, extended time horizon and seeks capital appreciation with allocation to alternative investments for additional risk diversification. 5

8 Thematic Blueprint Models Allocation The Thematic Blueprint Models are designed to help you address specific investment objectives. Thematic Models are designed to focus on Inflation, Interest Rate, Income, and International investment strategies. Income Model BP seeks current income PIMCO Total Return Portfolio 12% Met/Eaton Vance Floating Rate Portfolio 10% Met/Templeton International Bond Portfolio 10% BlackRock High Yield Portfolio 15% Lord Abbett Bond Debenture Portfolio 10% PIMCO VIT Emerging Market Bond Portfolio 10% Permal Alternative Select VIT Portfolio 15% MFS Value Portfolio 6% The MetLife Thematic Blueprint Income Model is designed for investors seeking to generate a favorable level of current income through exposure to traditional, nontraditional and alternative asset classes. There is no guarantee the Blueprint Income Model will meet its targeted objective. Harris Oakmark International Portfolio 6% Clarion Global Real Estate Portfolio 6% The Income Model seeks to generate a favorable level of current income through exposure to traditional, non-traditional and alternative asset classes. Interest Rate Model BP seeks to address potential rise in interest rates Met/Eaton Vance Floating Rate Portfolio 18% Met/Templeton International Bond Portfolio 7% Clarion Global Real Estate Portfolio 7% BlackRock High Yield Portfolio 9% Lord Abbett Bond Debenture Portfolio 7% Met/Franklin Low Duration Total Return Portfolio 10% Morgan Stanley UIF Global Infrastructure Portfolio 12% Permal Alternative Select VIT Portfolio 15% The MetLife Thematic Blueprint Interest Rate Model is designed for investors seeking a favorable level of income with less interest rate sensitivity through exposure to traditional, non-traditional and alternative asset classes. There is no guarantee the Blueprint Interest Rate Model will meet its targeted objective. PIMCO VIT Unconstrained Bond Portfolio 15% The Interest Rate Model seeks to generate a favorable level of income with less interest rate sensitivity through exposure to traditional, non-traditional and alternative asset classes. 6

9 Inflation Model BP seeks to address potential inflation to protect purchasing power Morgan Stanley UIF Global Infrastructure Portfolio 14% PIMCO Inflation Protected Bond Portfolio 6% Met/Eaton Vance Floating Rate Portfolio 10% Met/Franklin Low Duration Total Return Portfolio 6% Met/Templeton International Bond Portfolio 8% PIMCO VIT Emerging Market Bond Portfolio 10% Permal Alternative Select VIT Portfolio 15% Clarion Global Real Estate Portfolio 13% The MetLife Thematic Blueprint Inflation Model is designed for investors seeking to generate a rate of return sufficient to offset inflation, or erosion of purchasing power due to inflation, through exposure to traditional, non-traditional and alternative asset classes. There is no guarantee the Blueprint Inflation Model will meet its targeted objective. PIMCO VIT Commodity RealReturn Strategy Portfolio 8% Van Eck Global Natural Resources Portfolio 10% The Inflation Model seeks to generate a rate of return sufficient to offset inflation or erosion of purchasing power due to inflation through exposure to traditional, non-traditional and alternative asset classes. International Model BP seeks global growth opportunities Jennison Growth Portfolio 15% T. Rowe Price Large Cap Value Portfolio 12% Neuberger Berman Genesis Portfolio 8% JPMorgan Small Cap Value Portfolio 4% Baillie Gifford International Stock Portfolio 15% MFS Research International Portfolio 10% Harris Oakmark International Portfolio 15% Met/Dimensional International Small Company Portfolio 3% The MetLife Thematic Blueprint International Model is designed for investors seeking to generate a rate of return in-line with capitalization-weighted global equity markets, remove home country bias and improve risk-adjusted return. There is no guarantee the Blueprint International Model will meet its targeted objective. Invesco Mid Cap Value Portfolio 8% Permal Alternative Select VIT Portfolio 10% The International Model seeks to generate a rate of return in-line with capitalization-weighted global equity markets. 7

10 Investment Portfolio Architect individual investment options Broad Category Portfolio Name Asset Category Fixed Income Money Market Broad Category Portfolio Name Asset Category Equities Large Cap Equity Cash Equivalent Fixed Interest Account ** Cash Equity American Funds Growth Portfolio C Large Cap Growth Cash Equivalent BlackRock Money Market Portfolio Money Market Equity BlackRock Capital Appreciation Portfolio Large Cap Growth U.S. Bond Equity BlackRock Large Cap Value Portfolio Large Cap Value Fixed Income BlackRock Bond Income Portfolio H Core Bond Equity ClearBridge Aggressive Growth Portfolio C,D Large Cap Growth Fixed Income Barclays Aggregate Bond Index Portfolio Core Bond Equity Invesco Comstock Portfolio Large Cap Value Fixed Income JPMorgan Core Bond Portfolio H Core Bond Equity Jennison Growth Portfolio C Large Cap Growth Fixed Income Met/Franklin Low Duration Total Return Portfolio H,Z Short Term Bond Equity MetLife Stock Index Portfolio Large Cap Core Fixed Income PIMCO Inflation Protected Bond Portfolio F,H,Z Inflation Protection Equity MFS Value Portfolio Large Cap Value Fixed Income PIMCO Total Return Portfolio F,H,Z Core Bond Global Equity Morgan Stanley UIF Global Infrastructure Portfolio Global Infrastructure Fixed Income Pyramis Government Income Portfolio 2 Government Bond Equity Pioneer Fund Portfolio Large Cap Core Fixed Income TCW Cored Fixed Income H Core Bond Equity T. Rowe Price Large Cap Growth Portfolio Large Cap Growth Fixed Income Western Asset Management U.S. Government Portfolio Government Bond Equity T. Rowe Price Large Cap Value Portfolio Large Cap Value International Bond Equity WMC Core Equity Opportunities Portfolio Large Cap Core Global Fixed Income Met/Templeton International Bond Portfolio D,F,H,Z International Bond Equity WMC Large Cap Research Portfolio Large Cap Core Fixed Income PIMCO VIT Emerging Market Bond Portfolio International Bond International Equity High Yield Bond Global Equity Baillie Gifford International Stock Portfolio F International Equity Fixed Income BlackRock High Yield Portfolio H High Yield Bond Global Equity Harris Oakmark International Portfolio F International Equity Fixed Income Lord Abbett Bond Debenture Portfolio H High Yield Bond Global Equity Met/Artisan International Portfolio F International Equity Fixed Income Met/Eaton Vance Floating Rate Portfolio L,H Floating Rate Bond Global Equity MFS Research International Portfolio F International Equity Global Equity MSCI EAFE Index Portfolio F International Equity Global Equity Oppenheimer Global Equity Portfolio F Global Equity Mid Cap Equity Equity Goldman Sachs Mid Cap Value Portfolio C Mid Cap Value Equity Invesco Mid Cap Value Portfolio C Mid Cap Value Equity MetLife Mid Cap Stock Index Portfolio C Mid Cap Core Equity Morgan Stanley Mid Cap Growth Portfolio C Mid Cap Growth 8

11 Broad Category Portfolio Name Asset Category Broad Category Portfolio Name Asset Category Small Cap Equity Asset Allocation MetLife Asset Allocation 60 Portfolio AA World Allocation Global Equity American Funds VIS Global Small Capitalization Fund C,F Global Equity Asset Allocation MetLife Asset Allocation 80 Portfolio AA World Allocation Equity Invesco Small Cap Growth Portfolio C Small Cap Growth Asset Allocation MetLife Asset Allocation 100 Portfolio AA World Allocation Equity JPMorgan Small Cap Value Portfolio C Small Cap Value Asset Allocation Equity Loomis Sayles Small Cap Core Portfolio C Small Cap Core Asset Allocation American Funds Balanced Allocation Portfolio AA American Funds Growth Allocation Portfolio AA World Allocation World Allocation Global Equity Met/Dimensional International Small Company Portfolio C,F International Equity Asset Allocation American Funds Moderate Allocation Portfolio AA World Allocation Equity Neuberger Berman Genesis Portfolio C Small Cap Value /Protected Growth Strategies *** Equity Russell 2000 Index Portfolio C Small Cap Core AB Global Dynamic Allocation Portfolio F,H,Z Managed Volatility Equity T. Rowe Price Small Cap Growth Portfolio C Small Cap Growth Allianz Global Investors Dynamic Multi-Asset Plus Portfolio D,F,Z Momentum Equity MetLife Small Cap Value Portfolio C Small Cap Value AQR Global Risk Balanced Portfolio D,F,Z Balanced Risk BlackRock Global Tactical Strategies Portfolio F,Z,FF Managed Volatility Alternative Asset, Non-Traditional Invesco Balanced-Risk Allocation Portfolio D,F,Z Balanced Risk Sector JPMorgan Global Active Allocation Portfolio F,H,Z Momentum Sector Clarion Global Real Estate Portfolio F,R Real Estate MetLife Balanced Plus Portfolio Z,FF Managed Volatility Sector MFS Emerging Markets Equity Portfolio F Emerging Market Equity MetLife Multi-Index Targeted Risk Portfolio FF,Z Managed Volatility Sector PIMCO VIT Commodity RealReturn Strategy Portfolio Commodities PanAgora Global Diversified Risk Portfolio D,F,Z Balanced Risk Sector Van Eck Global Natural Resources Portfolio D,F,N natural Resources Pyramis Managed Risk Portfolio F,Z,FF Managed Volatility Schroders Portfolio F,Z Managed Volatility Alternative Strategy, Non-Traditional ETF-Based Portfolios Multi-Asset/Multi-Alternative ETF-Based Portfolios SSGA Growth and Income ETF Portfolio AA World Allocation Non-Traditional Permal Alternative Select VIT Portfolio AI Alternative Multi- Manager Multi-Strategy ETF-Based Portfolios SSGA Growth ETF Portfolio AA World Allocation Long/Short Equity Other Multi-Asset Class Funds Non-Traditional Van Eck VIP Long/Short Equity Index Fund AI Alternative Fund Global Equity BlackRock Global Allocation V.I. Fund World Allocation Asset Allocation Ivy Funds VIP Asset Strategy World Allocation Asset Allocation Portfolios Asset Allocation Loomis Sayles Global Markets Portfolio F Global Equity MetLife Asset Allocation Portfolios Fixed Income PIMCO VIT Unconstrained Bond Portfolio International Bond Asset Allocation MetLife Asset Allocation 20 Portfolio AA World Allocation Fixed Income Pioneer Strategic Income Portfolio F,H Multi-Sector Bond Asset Allocation MetLife Asset Allocation 40 Portfolio AA World Allocation Fixed Income 9 Western Asset Management Strategic Bond Opportunities Portfolio F,H Multi-Sector Bond

12 MetLife, with the assistance of MetLife Advisers, LLC, reviews the portfolios periodically and may remove a portfolio or limit its availability to new purchase payments/or transfers of account value if we determine that the portfolio no longer meets one or more of our selection criteria and/or if the portfolio has not attracted significant allocations from owners. MetLife and MetLife Advisers, LLC, do not provide investment advice and do not recommend or endorse any particular portfolio. Diversification does not ensure a profit or protect against a loss. You may also invest in the Fixed Account.** Pyramis is a registered service mark of FMR LLC. Used under license. An investment in the BlackRock Money Market Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Portfolio seeks to preserve the value of your investment at $100 per share, it is possible to lose money by investing in the Portfolio. ** The Fixed Account is not available if you select the C Share Option. The Fixed Account is not available in the states of OR and WA. MetLife Investors may limit the amount of funds that can be allocated or transferred to and from the Fixed Account. *** Although you may not capture all the gains in an up market, the strategy is designed to help you avoid big losses in a down market. C d F H L N R Z AA AI BP FF Invests in stocks of small capitalization or mid-capitalization companies. Such stocks may fluctuate in value more than stocks of large capitalization companies, and may perform poorly due to the issuers limited product lines, markets, financial resources or management experience. This portfolio invests in a limited number of issuers. Poor performance of a single issuer will generally have a more adverse impact on the return of the portfolio than on a portfolio that invests across a greater number of issuers. Invests in securities of foreign companies and governments, which involves risks not typically associated with U.S. investments, including changes in currency exchange rates; economic, political and social conditions in foreign countries; and governmental regulations and accounting standards different from those in the U.S. Invests in high yield or junk bonds, which are issued by companies that pose a greater risk of not paying the interest, dividends or principal their bonds have promised to pay. Such bonds are especially subject to adverse changes in interest rates or other general market conditions, or to downturns in the issuers companies or industries. Invests in senior floating rate loans to domestic and foreign borrowers, the value of which may be adversely affected by changes in prevailing interest rates. Such loans may also expose the Portfolio to the risk that the underlying borrowers of the loans may be unwilling or unable to pay the interest and principal on those loans. Senior floating rate loans are typically rated below investment grade (like junk bonds) due to their high risk characteristics. Invests in securities of companies that derive at least half of their revenues from mining or processing natural resources such as gas, oil, metals (including precious metals such as gold) and timber. Such emphasis on investments in a single sector will make a portfolio more likely to fluctuate in value due to events affecting that sector. Invests in Real Estate Investment Trusts (REITs), which attempt to profit from the rental and sale of real property or from real estate mortgages. REITs may suffer from declines in real estate values or changes in interest rates. May invest in derivatives to obtain investment exposure, enhance return or protect the Portfolio s assets from unfavorable shifts in the value or rate of underlying investments. Because of their complex nature, some derivatives may not perform as intended, can significantly increase the Portfolio s exposure to the existing risks of the underlying investments and may be illiquid and difficult to value. As a result, the Portfolio may not realize the anticipated benefits from a derivative it holds or it may realize losses. Derivative transactions may create investment leverage, which may increase the volatility and may require liquidation of securities when it may not be advantageous to do so. 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, which includes the cost of the asset allocation services it provides, as well as its pro rata share of the management fee and expenses of each underlying portfolio. Without these asset allocation services, the contract owner s expenses would be lower. Diversification does not ensure a profit or protect against loss. Investing in alternative asset classes involves special risk and may not be suitable for all investors. Alternative asset classes may be highly speculative and leveraged or may use various hedging techniques, like options and derivatives. This could increase losses since hedge-fund losses are not fully reflected in historical standard deviation measurements. Also, alternative asset classes may incur unique tax implications if traded in foreign markets and may be highly dependent on your manager s investment techniques and ability to select appropriate risk. Often, alternative asset classes are not registered under U. S. Securities laws or similar laws in other countries; therefore, they re subject to less regulation than publicly offered investments. The use of diversification and asset allocation as part of an overall investment strategy does not assure a profit or protect against loss in a declining market. MetLife Advisers, LLC is the investment adviser responsible for overseeing the Blueprint Models. MetLife Advisers, LLC designs each Blueprint Model for a specific investment objective and/or investment style. Each model is designed to be used individually and not in combination with individual funds or other models. Any allocation that is a combination of models, or models and individual funds, will result in an allocation that does not reflect the guidance MetLife Advisers provides in any individual model. A variety of portfolios is selected for use with the models, but neither MetLife nor MetLife Advisers recommends any particular model or portfolio over another. The Portfolio is a fund-of-funds portfolio. Because of this two-tier structure, the Portfolio bears its own investment management fee and expenses, which includes the cost of the asset allocation services it provides, as well as its pro rata share of the management fee and expenses of each underlying portfolio. Without these asset allocation services, the contract owner s expenses would be lower. 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 Investment Performance Is Not Guaranteed. Prospectuses for the MetLife Investment Portfolio Architect SM variable annuity, and for the investment portfolios offered thereunder, are 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, risks, charges and expenses of the investment company carefully before investing. The investment objectives, risks and policies of the investment options, as well as other information about the investment 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 death benefits. Investment Portfolio Architect is a long-term investment designed for retirement purposes. MetLife 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 their 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 contract and rider guarantees, including optional benefits and annuity payout rates, 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 non-qualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution tax that is generally imposed on interest, dividends, and annuity income 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. Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate. Wilshire Associates Incorporated ( Wilshire Associates ) does not provide advice to MetLife Investors underlying clients or have any discretionary authority or control with respect to purchasing or selling securities, and does not act as a fiduciary or investment manager as defined under ERISA, to any investor. It is the responsibility of MetLife Advisers, LLC, to accept, reject, or modify Wilshire s recommendations for the MAAP portfolios, and, if applicable, each subsequent recommended change to them. Wilshire Associates makes no warranties, express or implied, as to results to be obtained from the information provided to it, and neither Wilshire Associates nor its affiliates endorse, sell or promote this product or make any recommendations as to the advisability of investing in it. Wilshire Associates Incorporated (Wilshire) serves as the consultant to MetLife Advisers, working closely to construct the Blueprint Models. This partnership allowed us to develop and offer model portfolios that include a diversified mix of asset classes designed to help meet your specific needs, objectives and risk tolerance levels. The investment objectives and policies of the portfolios may be similar to those of other portfolios managed by the same investment advisor. No representation is made, and there can be no assurance given, that the portfolios investment results will be comparable to the investment results of any other portfolio, including other portfolios with the same investment advisor or manager. The portfolios investment results may be expected to differ, and may be higher or lower than the investment results of such other portfolios. Differences in portfolio size, investments held, contract and portfolio expenses, and other factors are all expected to contribute to differences in performance. MetLife, its agents, and representatives do not provide tax and/or legal advice. The MetLife Investment Portfolio Architect SM variable annuity is issued by MetLife Insurance Company USA on Policy Form 8010 (11/00) and in New York, only by Metropolitan Life Insurance Company on Policy Form (11/14) (collectively and singly, MetLife ). All variable products are distributed by MetLife Investors Distribution Company (member FINRA). All are MetLife companies. MetLife Insurance Company USA North Community House Road Charlotte, NC CLVA METLIFE, INC. L [0416] Metropolitan Life Insurance Company 200 Park Avenue New York, NY 10166