Benefit Name Benefit Type Impact of Withdrawals Lifetime Withdrawal Guarantee II (Joint)

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1 Available Benefits Living Benefits GMIB GMWB Lifetime GMWB Death Benefits Return of Principal Highest Anniversary Fixed Percentage Increase Earnings Enhancement Standard Contract Information Contract Type B Prospectus Date 5/1/2010 Supplement Date 7/19/2010 Date Last Updated 7/27/2010 A.M. Best Rating (as of 2/9/2010) A+ Website Phone Number (888) Available in all states except GU, NY, PR & VI. Check with carrier for current state availability. Surrender Schedule Years of Surrender Charges 7 Surrender Schedule (%) 7,6,6,5,4,3,2 Surrender Free Withdrawals Expenses & Fees 10% of purchase payments (systematically during the first year) plus all earnings Mortality & Expense Risk 1.05% Administration Charge 0.25% Distribution Charge 0.00% Total Annual Expense 1.30% Annual Policy Fee $30 Annual Policy Fee Waived if Anniversary Value is Equal To Or Greater Than $50,000 Contract Operation - Where Does the Contract Pay? Controlling Life: Owner Owner Joint Owner Annuitant Death of Pays To Husband Wife Husband Husband Joint Owner Husband Wife Husband Wife Joint Owner Husband Wife Husband Primary Beneficiary Husband Wife Wife No Payout Trust Husband Husband Primary Beneficiary Spousal Benefits & Continuation Yes No Can either spouse trigger the Guaranteed Death Benefit? If spousally continued is Death Benefit credited? If spousally continued is CDSC waived? Sample Titling For Obtaining Spousal Benefits On A Non-Qualified Contract: Contingent Primary Contingent Owner Joint Owner Annuitant Annuitant Beneficiary Beneficiary Husband Wife H or W N/A Anybody Anybody Issue Ages and Contribution Information Non-Qualified 0-85 Oldest Owner $5,000 Initial $500 Additional Qualified 0-85 $2,000 Initial $500 Additional Auto investment plan minimum $100 Subaccount Information Number of Subaccounts 54 Free Transfers Per Year UNLTD* Subaccount Fee Range 0.53% to 1.42% Transfer Fee $0* *Company reserves the right to charge $25 for any transfer in excess of 12 in a contract year. Subaccount fees are reduced to reflect fee waivers and expense reimbursements. Benefit Name Benefit Type Impact of Withdrawals Lifetime Withdrawal Guarantee II (Joint) Lifetime GMWB, GMWB & No impact up to 5%; excess proportionate Lifetime Withdrawal Guarantee II (Single) Lifetime Withdrawal Guarantee (Joint)(OR only) Lifetime Withdrawal Guarantee (Single)(OR only) Lifetime GMWB, GMWB & Lifetime GMWB, GMWB & Lifetime GMWB, GMWB & No impact up to 5%; excess proportionate Dollar-for-dollar up to 5%; excess resets benefit Dollar-for-dollar up to 5%; excess resets benefit Enhanced Guaranteed Withdrawal Benefit GMWB Dollar-for-dollar up to 7%; excess resets benefit GMIB Plus III GMIB & Dollar-for-dollar & proportionate GMIB Plus (OR only) GMIB & Dollar-for-dollar up to 6%; excess proportionate Page 1 of 9 Copyright 2010 Morningstar, Inc.

2 Benefit Name Benefit Type Impact of Withdrawals Principal Protection Death Benefit Proportionate Annual Step-Up Death Benefit Death Benefit Proportionate Compounded-Plus Death Benefit (OR only) Death Benefit Proportionate Enhanced Death Benefit II (issued through age 69) Death Benefit Dollar-for-dollar & proportionate Enhanced Death Benefit II (issue ages 70-75) Death Benefit Dollar-for-dollar & proportionate Earnings Preservation Benefit Earnings Enhancement Proportionate Enhanced Guaranteed Withdrawal Benefit (pre 7/16/07) GMWB Dollar-for-dollar up to 7%; excess resets benefit GMIB I (closed) GMIB Dollar-for-dollar up to 6%; excess proportionate GMIB II (closed) GMIB Dollar-for-dollar up to 5%; excess proportionate GMIB Plus (closed) GMIB & Dollar-for-dollar up to 6% & proportionate GMIB Plus 2008 (GMIB Plus II)(closed) GMIB & Dollar-for-dollar up to 5% & proportionate GMIB Plus 2008 (GMIB Plus II)(NV only-closed) GMIB & Dollar-for-dollar up to 6% & proportionate (closed) Proportionate Enhanced Death Benefit (closed) Death Benefit Dollar-for-dollar up to 5% & proportionate Page 2 of 9 Copyright 2010 Morningstar, Inc.

3 GMIB & Benefit Name Benefit Type Whose life is benefit based on? Description of benefit GMIB Plus III GMIB & Owner(s) Guarantees a minimum benefit base that may be annuitized on the 10th or subsequent anniversaries. The guaranteed benefit base used to determine the income payments is the greater of: - Purchase payments compounded annually at the greater of 5% or the Required Minimum Distribution (current or previous year's, whichever is greater) divided by the benefit base previously calculated under this component, until the contract anniversary prior to the owner's 91st birthday, adjusted for subsequent payments and withdrawals; or, - Highest anniversary value up to the contract anniversary prior to the owner's 81st birthday, adjusted for purchase payments and withdrawals since that date. Current benefit charge Maximum benefit charge 1.50% Details of expenses Issue ages Through age 78 When can benefit be added? Step-up provisions There is also a no lapse feature which automatically exercises the annuitization payments under the GMIB if the account value falls to zero and there is a remaining benefit base. If no withdrawals occur before age 60, a special annuitization payment rate of at least 5% is applicable with the single life w/10 year certain payment option. The enhanced payout rate is 5% if withdrawals begin on or after the 60th birthday and 5.5% if withdrawals begin after the 62nd birthday. In addition, on the 10th and subsequent anniversary, the owner may elect to exercise the accumulation benefit that restores initial purchase payments. If the accumulation benefit is exercised, this benefit terminates. 1.00% assessed annually and calculated against the benefit base Fee percentage may increase upon optional step-up Time of application Two methods of resetting the benefit base are available. Both reset the benefit base to equal the anniversary value if it is greater than the benefit base plus the annual increase amount of 5% through the contract anniversary prior to the oldest owner's 81st birthday. With the optional manual resets, resets of the benefit base are available within a 30- day period prior to any contract anniversary. With the automatic annual step-ups, resets take place automatically each anniversary for seven years. The automatic annual step-up option may be re-elected. Also, automatic annual step-ups can be canceled or added (see prospectus for more detail on restrictions). Both options described above reset the ten-year waiting period for the income benefit and the fee percentage may increase. The resets have no impact on the component. Page 3 of 9 Copyright 2010 Morningstar, Inc.

4 GMIB & Impact of withdrawals on benefit Withdrawals reduce the benefit base for the 5% compounding component dollar-fordollar up to 5% of the benefit base. If an excess withdrawal is made during the contract year, all withdrawals during that year reduce the benefit base proportionately. For qualified contracts subject to RMDs, the increases to the benefit base due to the RMD calculation are reduced dollar-for-dollar for non-excess withdrawals. If withdrawals in a contract year exceed the RMD amount, the current year's increases to the benefit base for RMDs are forfeited and the benefit base is reduced proportionately. The withdrawals must be paid to the owner or an approved payee; otherwise the full amount of the withdrawal reduces the benefit base proportionately. Impact of RMDs on benefit Issues with older ages Investment restrictions Spousal continuation Automatic termination of benefit Manual termination of benefit Conflicting benefits & availability Other information Withdrawals reduce the benefit base for the and highest anniversary value component proportionately. If the RMD percentage is greater than 5% the benefit base is increased by the RMD percentage, not applicable if withdrawals in a contract year exceed the RMD amount. The availability to step-up the benefit base option for the income benefit ends prior to oldest owner's 81st birthday. The latest date to exercise the guarantee is the contract anniversary prior to the oldest owner's 91st birthday. Must allocate to particular portfolios or allocate to the subaccounts following prescribed guidelines with quarterly rebalancing Upon spousal continuation, surviving spouse (age 89 or younger) continues the benefit as-is The benefit terminates 30 days after the contract anniversary on or after the oldest owner's 90th birthday; or upon death of owner or joint owner (unless spousally continued). Also, terminates upon a change for any reason of the owner, joint owner or annuitant (if a non-natural person owner), unless permission is obtained. Terminates upon the election of the component; otherwise, cannot voluntarily terminate Cannot have in conjunction with any other living benefit. As of 7/19/10, same state availability as contract except not available OR. The Guaranteed Principal Option () is not available for contracts issued in WA. Only payments received in the first 120 days are considered for the component. Owner must be annuitant, unless there is a non-natural owner. Page 4 of 9 Copyright 2010 Morningstar, Inc.

5 Return of Premium Death Benefit Benefit Name Benefit Type Whose life is benefit based on? Description of benefit Principal Protection Return of Premium Death Benefit Owner(s) Current benefit charge 0.00% Maximum benefit charge 0.00% Details of expenses - Issue ages When can benefit be added? Step-up provisions Impact of withdrawals on benefit Impact of RMDs on benefit Issues with older ages - Investment restrictions Spousal continuation Automatic termination of benefit Manual termination of benefit Conflicting benefits & availability Default death benefit is the greater of: - Account value; or, - Adjusted purchase payments. Same issue ages as contract Default death benefit N/A Proportionate No special treatment for RMD withdrawals None Death benefit is credited and continues for surviving spouse Does not automatically terminate Cannot voluntarily terminate Not available with the Annual Step-Up or Compounded-Plus death benefits. Other information Same state availability as contract. An ownership change to someone other than a spouse will reset the "purchase payments" portion of the death benefit to the account value as of the date of the ownership change Page 5 of 9 Copyright 2010 Morningstar, Inc.

6 Subaccount Information Met Invt Ser Tr Amer Fds Growth C Met Invt Ser Tr Amer Fds Growth C Large Growth 1.00 Met Invt Ser Amer Fds Balanced Allc C Met Invt Ser Amer Fds Balanced Allc C Moderate Allocation 1.04 Met Invt Ser Amer Fds Growth Allc C Large Growth 1.03 Met Invt Ser Amer Fds Moderate Allc C Moderate Allocation 1.06 Met Invt Ser Invesco Small Cap Gr B Small Growth 1.15 Met Invt Ser LM ClearBridge Agrsv Gr B Large Growth 0.92 Met Invt Ser Met/Franklin Mutual Shrs B Large Value 1.15 Met Invt Ser Met/Frkln Temp Fdng Strat B Moderate Allocation 1.17 Met Invt Ser MetLife Agrsv Strat B Large Blend 1.10 Met Invt Ser MetLife Balanced Strat B Moderate Allocation 0.97 Met Invt Ser MetLife Def Strat B Conservative Allocation 0.91 Met Invt Ser MetLife Gr Strat B Large Blend 1.04 Met Invt Ser MetLife Mod Strat B Moderate Allocation 0.97 Met Invt Ser RCM Technology B Technology 1.21 Met Invt Ser T. Rowe Price Md Cp Gr B Mid-Cap Growth 1.04 Met Invt Ser Tr Amer Fds International C Foreign Large Blend 1.22 Met Invt Ser Tr BlackRock High Yield B High Yield Bond 0.92 Met Invt Ser Tr Clarion Global Real Es B Global Real Estate 0.98 Met Invt Ser Tr GoldmanSachs Md Cp Val B Mid-Cap Value 1.02 Met Invt Ser Tr Harris Oakmark Intl B Foreign Large Value 1.09 Met Invt Ser Tr Lazard Mid-Cap B Mid-Cap Value 0.99 Met Invt Ser Tr Legg Mason Val Equity B Large Blend 0.96 Met Invt Ser Tr Loomis Sayles Glbl Mkt B World Allocation 1.01 Met Invt Ser Tr Lord Abbett Bd Deb B High Yield Bond 0.80 Met Invt Ser Tr Lord Abbett Gr & Inc B Large Blend 0.81 Met Invt Ser Tr Lord Abbett Md Cp Val B Mid-Cap Value 1.01 Met Invt Ser Tr Met/Templeton Intl Bd B World Bond 0.98 Met Invt Ser Tr MFS Emerging Mkts Eq B Diversified Emerging Mkts 1.42 Met Invt Ser Tr MFS Research Intl B Foreign Large Blend 1.06 Met Invt Ser Tr Oppenheimer Cap Apprec B (closed as of 11/12/2007) Large Growth 0.92 Met Invt Ser Tr PIMCO Infl Prot Bd B Inflation-Protected Bond 0.78 Met Invt Ser Tr Rainier Large Cap Eq B Large Growth 0.95 Met Invt Ser Tr SSgA Growth ETF B Large Blend 0.90 Met Invt Ser Tr Third Ave Sm Cp Val B Small Blend 1.03 Met Invt Ser Tr Turner Mid Cap Growth B Mid-Cap Growth 1.09 Met Invt Ser Tr Van Kampen Comstock B Large Value 0.89 Met Invt Ser Trust SSgA Gr & Inc ETF B Moderate Allocation 0.86 Metropolitan Ser Bar Cap Aggt Bd Idx G Intermediate-Term Bond 0.60 Metropolitan Ser BlackRock Money Mkt B Money Market Taxable Page 6 of 9 Copyright 2010 Morningstar, Inc.

7 Subaccount Information Metropolitan Ser Dav Vent Value E Large Blend 0.89 Metropolitan Ser Jennison Growth B Large Growth 0.91 Metropolitan Ser Met/Artisan Md Cp Val B Mid-Cap Blend 1.12 Metropolitan Ser Met/Dimsnl Intl Sm Cm B Foreign Small/Mid Value 1.25 Metropolitan Ser MetLife MidCap StkIdx G Mid-Cap Blend 0.66 Metropolitan Ser Morgan Stan EAFE Idx G Foreign Large Blend 0.75 Metropolitan Ser Russell 2000 Index G Small Blend 0.65 Metropolitan Ser Van Eck Glbl Nat Res B Natural Res 1.12 Metropolitan Ser Wstn Asset US Govt B Intermediate-Term Bond 0.77 Rainier Large Cap Equity (closed as of 4/27/2008) Rainier Large Cap Equity (closed as of 4/27/2008) Large Growth 1.12 Met Invt Ser Tr Amer Fds Bond C Met Invt Ser Tr Amer Fds Bond C Intermediate-Term Bond 1.08 Met Inv Ser Pioneer Strategic Inc E Met Inv Ser Pioneer Strategic Inc E Multisector Bond 0.81 Met Invt Ser Met/Eaton Vance Fl Rate B Bank Loan 1.02 Met Invt Ser Tr Janus Forty Portfolio B Large Growth 0.93 Met Invt Ser Tr PIMCO Total Return B Met Invt Ser Tr PIMCO Total Return B Intermediate-Term Bond 0.77 Met Invt Ser Tr Pioneer B Met Invt Ser Tr Pioneer B Large Blend Page 7 of 9 Copyright 2010 Morningstar, Inc.

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