Metropolitan Life Insurance Company Financial Freedom Account - Exclusive Version Performance Summary as of 08/31/18 Variable 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 www.metlife.com. The account balance is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. For s that invest in s of the underlying Trust that were in existence prior to the inception date, these returns have been adjusted to reflect the charges and expenses of the Financial Freedom Account Variable Annuity, as if the contract had existed during the stated period(s), including all -level expenses and the Separate Account Charge of 0.95%. The Financial Freedom Account product does not impose any withdrawal charges on withdrawals. These figures represent past performance and are not an indication of future performance. FFA - Exclusive Version Non-Standardized Performance: Without surrender charges applied * Asset Class Variable Options Style One Month YTD 1 Year 3 Year* 5 Year* Asset Allocation American Funds Balanced Allocation - Class C 0.51% 3.33% 8.54% 8.68% 7.64% 6.15% 04/28/2008 American Funds Growth Allocation - Class C 0.52% 4.76% 11.96% 11.04% 9.55% 7.04% 04/28/2008 American Funds Moderate Allocation - Class C 0.43% 1.87% 5.56% 6.62% 6.02% 5.16% 04/28/2008 Brighthouse Asset Allocation 20 - Class A 0.30% -0.22% 1.22% 3.09% 3.12% 4.12% 05/01/2005 Brighthouse Asset Allocation 40 - Class A 0.36% 0.84% 3.92% 5.26% 4.89% 5.18% 05/01/2005 Brighthouse Asset Allocation 60 - Class A 0.49% 2.33% 6.97% 7.44% 6.69% 6.04% 05/01/2005 Brighthouse Asset Allocation 80 - Class A 0.71% 3.80% 10.29% 9.74% 8.46% 6.82% 05/01/2005 Brighthouse Asset Allocation 100 - Class A 0.97% 4.97% 12.87% 11.61% 9.84% 7.24% 05/01/2005 Fidelity VIP Freedom 2035 - Service Class 2 - - - - - - 04/30/2018 Fidelity VIP Freedom 2045 - Service Class 2 - - - - - - 04/30/2018 SSGA Growth and Income ETF - Class E 1.02% 2.08% 7.28% 7.14% 6.33% 5.88% 09/30/2005 SSGA Growth ETF - Class E 0.91% 2.81% 9.68% 8.99% 7.69% 6.39% 09/30/2005 (Large Cap) American Funds Growth Fund - Class 2 Growth 3.41% 15.14% 23.34% 18.09% 15.57% 10.33% 02/08/1984 American Funds Growth-Income Fund - Class 2 Blend 1.46% 10.11% 18.62% 14.78% 13.24% 9.32% 02/08/1984 BlackRock Capital Appreciation - Class E Growth 4.05% 19.74% 28.59% 17.18% 16.28% 10.06% 10/31/1994 Brighthouse/Wellington Core Equity Opportunities - Class A Value 1.77% 7.25% 14.89% 12.51% 11.14% 7.74% 10/31/1994 ClearBridge Aggressive Growth - Class A Growth 1.44% 10.48% 14.56% 9.25% 11.47% 10.87% 05/01/2001 Fidelity VIP Equity-Income - Initial Class Value 1.38% 3.02% 10.68% 10.65% 8.69% 7.29% 10/09/1986 Fidelity VIP Growth - Initial Class Growth 4.52% 17.62% 24.67% 18.13% 16.04% 10.74% 10/09/1986 Jennison Growth - Class A Growth 5.06% 18.08% 26.25% 18.85% 17.46% 12.24% 05/01/2000 MetLife Stock Index - Class A Blend 3.17% 9.06% 18.24% 14.73% 13.16% 9.56% 05/01/1990 MFS Value - Class A Value 0.24% 0.83% 8.62% 11.15% 10.61% 8.32% 11/09/1998 T. Rowe Price Large Cap Growth - Class A Growth 3.30% 14.64% 21.53% 16.91% 16.68% 12.06% 11/09/1998 (Mid Cap) Brighthouse/Artisan Mid Cap Value - Class A Value 1.12% 4.18% 12.57% 10.72% 7.52% 7.17% 04/30/1993 Calvert VP SRI Mid Cap Growth Growth 2.61% 10.13% 17.21% 7.08% 8.21% 8.29% 07/16/1991 MetLife Mid Cap Stock Index - Class A Blend 3.07% 7.79% 18.53% 13.48% 11.96% 10.06% 07/05/2000 Morgan Stanley Mid Cap Growth - Class A Growth 13.89% 35.83% 43.14% 19.42% 13.19% 7.12% 03/03/1997 T. Rowe Price Mid Cap Growth - Class A Growth 3.45% 11.99% 19.03% 14.16% 14.48% 12.07% 02/12/2001 Victory Sycamore Mid Cap Value - Class A Value 1.30% 6.20% 17.02% 7.47% 7.84% 6.73% 11/09/1998 (Small Cap) Invesco Small Cap Growth - Class E Growth 6.32% 16.20% 28.71% 15.22% 14.02% 11.28% 01/02/2002 Loomis Sayles Small Cap Core - Class A Blend 4.70% 11.95% 22.53% 14.45% 11.63% 10.40% 05/02/1994 Loomis Sayles Small Cap Growth - Class A Growth 8.40% 25.90% 37.43% 17.58% 13.61% 11.93% 05/01/2001 MetLife Russell 2000 Index - Class A Blend 4.22% 13.55% 24.16% 15.03% 12.00% 9.40% 11/09/1998 Neuberger Berman Genesis - Class A Value 5.64% 12.54% 25.61% 15.04% 11.65% 7.67% 07/05/2000 T. Rowe Price Small Cap Growth - Class A Growth 5.99% 16.00% 27.18% 15.91% 14.39% 12.88% 03/03/1997 Balanced Calvert VP SRI Balanced - Class I 1.64% 5.16% 10.07% 7.62% 7.20% 5.91% 09/30/1986 MFS Total Return - Class A 0.70% 0.78% 5.33% 7.05% 7.01% 6.11% 07/01/2002 International Equity American Funds Global Small Capitalization Fund - Class 2 2.63% 6.74% 14.86% 8.65% 8.71% 6.31% 04/30/1998 Harris Oakmark International - Class E -5.08% -10.21% -4.61% 6.76% 4.37% 6.94% 01/02/2002 Loomis Sayles Global Markets - Class B 0.73% 4.83% 11.51% 9.41% 8.59% 7.94% 04/28/2006 MetLife MSCI EAFE Index - Class A -2.06% -2.78% 3.16% 5.97% 4.58% 2.56% 11/09/1998 MFS Research International - Class A -1.73% -0.78% 6.22% 6.66% 4.59% 3.15% 02/12/2001 Oppenheimer Global Equity - Class A 0.45% 4.67% 14.75% 12.20% 11.27% 8.54% 03/03/1997 Fixed Income American Funds Bond Fund - Class 2 Interm. 0.30% -1.88% -2.27% 0.86% 1.39% 2.04% 04/30/1997 Brighthouse/Franklin Low Duration Total Return - Class B Short 0.24% 0.01% -0.30% 0.53% 0.37% 0.35% 04/29/2011 Fidelity VIP Grade Bond - Initial Class Interm. 0.40% -1.51% -1.71% 1.52% 1.93% 3.34% 12/05/1988 MetLife Aggregate Bond Index - Class A Interm. 0.59% -1.65% -2.14% 0.59% 1.29% 2.45% 11/09/1998 PIMCO Inflation Protected Bond - Class E Infltn Protctd 0.44% -0.79% -0.39% 1.11% 0.59% 2.10% 05/01/2003 PIMCO Total Return - Class A Interm. 0.54% -1.12% -1.69% 1.24% 1.70% 3.83% 02/12/2001 Western Asset Management Strategic Bond Opportunities - Class A Multisector -0.54% -2.97% -2.15% 3.02% 3.11% 5.50% 10/31/1994 Western Asset Management U.S. Government - Class A Interm. Gov. 0.36% -0.89% -1.54% -0.03% 0.44% 1.51% 10/31/1994 Specialty Clarion Global Real Estate - Class E 0.44% -1.62% 2.09% 4.27% 4.75% 3.67% 04/30/2004 Page 1 of 5
AUTOMATED Year to 3 Years 5 Years 10 Years Strategy INVESTMENT STRATEGIES (A.I.S) 1 Year Ann. Ann. Ann. Incep. Equity Generator MetLife Stock Index 2.10% 3.18% 3.62% 3.79% 4.87% 07/01/1991 *Annualized for 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. 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. A fee waiver or expense limit may be or have been in place for any of the investment options. The reduced expenses that may result from this waiver or limit may increase performance results. Please see the prospectus for more information. Certain investment options may have adopted, with respect to certain classes, a distribution plan under Rule 12b-1 of the Company Act of 1940. MetLife is paid the 12b-1 fee under the plan. Please see the prospectus for more information. 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. Prior to the close of business on April 29, 2005, the Met/Putnam Voyager was merged into the Jennison Growth. The Met/Putnam Voyager is no longer available under this product. Performance for Jennison Growth consists of performance for the Met/Putnam Voyager before April 29, 2005 and performance of the Jennison Growth on and after April 29, 2005. 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, 1998. (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, 2010. As of May 2, 2011, the following portfolio merger took effect: MetLife Aggressive Allocation into MetLife Aggressive Strategy (currently known as MetLife Asset Allocation 100 ). Performance for the MetLife Aggressive Strategy (currently known as MetLife Asset Allocation 100 ) consists of the performance of the MetLife Aggressive Allocation before and on April 29, 2011 and the MetLife Aggressive Strategy (currently known as MetLife Asset Allocation 100 ) after April 29, 2011. 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. 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. While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made according to one of these asset allocation models neither guarantees a profit nor prevents the possibility of loss. 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. Performance Is Not Guaranteed. Prospectuses for the Financial Freedom Account variable annuity issued by Metropolitan Life Insurance Company and for the investment portfolios are available from your financial professional or at www.metlife.com. The contract prospectus contains information about the contract s features, risks, charges and expenses. 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. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. 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. Distributions of 401(k), 403(b) or 457(b) salary reduction contributions allocated to your account, and the earnings on such contributions, are generally not permitted prior to attaining normal retirement age under your retirement plan except under certain situations, such as your severance from employment with the employer sponsoring the plan or your death, disability or hardship (or 457(b) unforeseeable emergency) as provided under the plan. Distributions of contributions and earnings may also be restricted as defined in the plan documents. Contact your plan administrator to determine when and under what circumstances you may request a distribution from your plan. Where permitted, distributions of taxable amounts are generally subject to ordinary income tax and, if made before age 59½, may be subject to a 10% federal income tax penalty. In the case of 457(b) governmental plans, there is no 10% federal income tax penalty except that the 10% federal income tax penalty may apply to distributions of amounts previously rolled over to a governmental 457(b) plan from another type of employer retirement plan or IRA. Consult your tax advisor to determine if an exception to the 10% federal income tax penalty may apply. The Financial Freedom Account variable annuity is issued by Metropolitan Life Insurance Company, New York, NY 10166 on Policy Form Series G.4333-7. All products distributed by MetLife Investors Distribution Company (member FINRA), New York, NY 10166. Both are MetLife companies. Page 2 of 5
Metropolitan Life Insurance Company New York, NY 10166 www.metlife.com Control Number L0418504446[exp0519][All States][DC] Page 3 of 5
Financial Freedom Account - Exclusive Version The performance data quoted represents past performance and does not guarantee future results. Current performance may be lower or higher than the performance data quoted. Performance current to the most recent month-end may be viewed at metlife.com. The account balance is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. Each Option consists of an investment division of the separate account supporting the contract (an " ") that invests solely in shares of a fund portfolio (a ""). Standardized Performance for an Option, as defined by the SEC, is the Average Annual Total Return for periods commencing no earlier than the inception date and terminating at the end of the most recent calendar quarter. Average Annual Total Returns shown that include periods prior to the inception date are Non-Standardized Performance. Charges for Standardized Performance include all -level expenses and the Separate Account Charge of 0.95%. Past performance does not guarantee future results. FFA - Exclusive Version Asset Class Asset Allocation * 1 Year 5 Year* * Variable Options 1 Year 5 Year* American Funds Balanced Allocation 8.54% 7.64% 6.15% 8.71% 7.57% 5.67% 04/28/2008 04/28/2008 American Funds Growth Allocation 11.96% 9.55% 7.04% 11.77% 9.52% 6.42% 04/28/2008 04/28/2008 American Funds Moderate Allocation 5.56% 6.02% 5.16% 5.56% 5.89% 4.81% 04/28/2008 04/28/2008 Brighthouse Asset Allocation 20 1.22% 3.12% 4.12% 1.58% 2.96% 3.98% 05/01/2005 05/01/2005 Brighthouse Asset Allocation 40 3.92% 4.89% 5.18% 3.91% 4.74% 4.93% 05/01/2005 05/01/2005 Brighthouse Asset Allocation 60 6.97% 6.69% 6.04% 6.67% 6.60% 5.71% 05/01/2005 05/01/2005 Brighthouse Asset Allocation 80 10.29% 8.46% 6.82% 9.61% 8.38% 6.36% 05/01/2005 05/01/2005 Brighthouse Asset Allocation 100 12.87% 9.84% 7.24% 11.99% 9.79% 6.67% 05/01/2005 05/01/2005 Fidelity VIP Freedom 2035 - - - - - - 04/30/2018 04/30/2018 Fidelity VIP Freedom 2045 - - - - - - 04/30/2018 04/30/2018 SSGA Growth and Income ETF 7.28% 6.33% 5.88% 6.48% 5.97% 5.49% 09/30/2005 05/01/2006 SSGA Growth ETF 9.68% 7.69% 6.39% 8.64% 7.33% 5.88% 09/30/2005 05/01/2006 (Large Cap) American Funds Growth 23.34% 15.57% 10.33% 21.37% 15.04% 9.15% 02/08/1984 05/01/2001 American Funds Growth-Income 18.62% 13.24% 9.32% 17.56% 13.19% 8.85% 02/08/1984 05/01/2001 BlackRock Capital Appreciation 28.59% 16.28% 10.06% 28.83% 15.79% 9.30% 10/31/1994 08/05/2002 Brighthouse/Wellington Core Equity Opportunities 14.89% 11.14% 7.74% 9.25% 10.22% 7.01% 10/31/1994 07/05/2000 ClearBridge Aggressive Growth 14.56% 11.47% 10.87% 13.11% 11.07% 10.36% 05/01/2001 05/01/2001 Fidelity VIP Equity-Income 10.68% 8.69% 7.29% 4.90% 7.70% 6.57% 10/09/1986 07/01/1991 Fidelity VIP Growth 24.67% 16.04% 10.74% 22.27% 15.81% 9.09% 10/09/1986 07/01/1991 Jennison Growth 26.25% 17.46% 12.24% 28.29% 17.38% 11.36% 05/01/2000 07/05/2000 MetLife Stock Index 18.24% 13.16% 9.56% 13.02% 12.07% 8.88% 05/01/1990 07/01/1991 MFS Value 8.62% 10.61% 8.32% 2.98% 9.85% 7.84% 11/09/1998 11/09/1998 T. Rowe Price Large Cap Growth 21.53% 16.68% 12.06% 21.77% 16.62% 11.19% 11/09/1998 11/09/1998 (Mid Cap) Average Annual Total Return Standardized as of 06/30/2018 Brighthouse/Artisan Mid Cap Value 12.57% 7.52% 7.17% 8.60% 7.54% 7.14% 04/30/1993 05/01/2001 Calvert VP SRI Mid Cap Growth 17.21% 8.21% 8.29% 10.74% 7.94% 7.17% 07/16/1991 07/16/1991 MetLife Mid Cap Stock Index 18.53% 11.96% 10.06% 12.15% 11.37% 9.51% 07/05/2000 07/05/2000 Morgan Stanley Mid Cap Growth 43.14% 13.19% 7.12% 33.26% 11.93% 5.09% 03/03/1997 03/03/1997 T. Rowe Price Mid Cap Growth 19.03% 14.48% 12.07% 13.24% 13.92% 11.06% 02/12/2001 05/01/2001 Victory Sycamore Mid Cap Value 17.02% 7.84% 6.73% 8.06% 7.08% 5.66% 11/09/1998 11/09/1998 (Small Cap) Invesco Small Cap Growth 28.71% 14.02% 11.28% 22.74% 13.60% 10.95% 01/02/2002 05/01/2002 Loomis Sayles Small Cap Core 22.53% 11.63% 10.40% 15.18% 11.06% 10.20% 05/02/1994 07/05/2000 Loomis Sayles Small Cap Growth 37.43% 13.61% 11.93% 26.55% 12.91% 11.19% 05/01/2001 05/01/2001 MetLife Russell 2000 Index 24.16% 12.00% 9.40% 16.38% 11.44% 9.51% 11/09/1998 11/09/1998 Neuberger Berman Genesis 25.61% 11.65% 7.67% 14.05% 10.94% 7.31% 07/05/2000 07/05/2000 T. Rowe Price Small Cap Growth 27.18% 14.39% 12.88% 18.18% 14.01% 12.16% 03/03/1997 03/03/1997 Balanced Calvert VP SRI Balanced 10.07% 7.20% 5.91% 6.87% 6.86% 5.33% 09/30/1986 07/01/1991 MFS Total Return 5.33% 7.01% 6.11% 2.57% 6.46% 5.82% 07/01/2002 08/05/2002 International Equity American Funds Global Small Capitalization 14.86% 8.71% 6.31% 15.59% 9.07% 4.85% 04/30/1998 05/01/2001 Harris Oakmark International -4.61% 4.37% 6.94% 2.17% 6.08% 7.44% 01/02/2002 05/01/2002 Loomis Sayles Global Markets 11.51% 8.59% 7.94% 11.40% 8.53% 11.96% 04/28/2006 11/10/2008 MetLife MSCI EAFE Index 3.16% 4.58% 2.56% 5.34% 5.24% 1.72% 11/09/1998 11/09/1998 MFS Research International 6.22% 4.59% 3.15% 7.67% 4.95% 2.12% 02/12/2001 05/01/2001 Oppenheimer Global Equity 14.75% 11.27% 8.54% 15.26% 11.03% 8.10% 03/03/1997 03/03/1997 Fixed Income American Funds Bond -2.27% 1.39% 2.04% -1.74% 1.16% 1.84% 04/30/1997 05/01/2006 Brighthouse/Franklin Low Duration Total Return -0.30% 0.37% 0.35% -0.61% 0.29% 0.33% 04/29/2011 05/02/2011 Fidelity VIP Grade Bond -1.71% 1.93% 3.34% -0.89% 1.68% 3.31% 12/05/1988 07/01/1991 MetLife Aggregate Bond Index -2.14% 1.29% 2.45% -1.53% 1.08% 2.48% 11/09/1998 11/09/1998 PIMCO Inflation Protected Bond -0.39% 0.59% 2.10% 0.95% 0.41% 2.12% 05/01/2003 05/01/2006 PIMCO Total Return -1.69% 1.70% 3.83% -0.75% 1.44% 3.87% 02/12/2001 05/01/2001 Western Asset Management Strategic Bond Opportunities -2.15% 3.11% 5.50% -1.25% 2.89% 5.30% 10/31/1994 05/01/2001 Page 4 of 5
FFA - Exclusive Version * 1 Year 5 Year* * Asset Class Variable Options 1 Year 5 Year* Western Asset Management U.S. Government -1.54% 0.44% 1.51% -1.04% 0.30% 1.43% 10/31/1994 05/01/2001 Specialty Clarion Global Real Estate 2.09% 4.75% 3.67% 3.20% 3.78% 3.53% 04/30/2004 05/01/2004 *Annualized for Options/s in existence for more than one year. 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. Performance Is Not Guaranteed. Average Annual Total Return While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made according to one of these asset allocation models neither guarantees a profit nor prevents the possibility of loss. 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. Prospectuses for the Financial Freedom Account variable annuity issued by Metropolitan Life Insurance Company and for the investment portfolios are available from your financial professional or at www.metlife.com. The contract prospectus contains information about the contract s features, risks, charges and expenses. 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. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. 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 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 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. Distributions of 401(k), 403(b) or 457(b) salary reduction contributions allocated to your account, and the earnings on such contributions, are generally not permitted prior to attaining normal retirement age under your retirement plan except under certain situations, such as your severance from employment with the employer sponsoring the plan or your death, disability or hardship (or 457(b) unforeseeable emergency) as provided under the plan. Distributions of contributions and earnings may also be restricted as defined in the plan documents. Contact your plan administrator to determine when and under what circumstances you may request a distribution from your plan. Where permitted, distributions of taxable amounts are generally subject to ordinary income tax and, if made before age 59½, may be subject to a 10% federal income tax penalty. In the case of 457(b) governmental plans, there is no 10% federal income tax penalty except that the 10% federal income tax penalty may apply to distributions of amounts previously rolled over to a governmental 457(b) plan from another type of employer retirement plan or IRA. Consult your tax advisor to determine if an exception to the 10% federal income tax penalty may apply. The Financial Freedom Account variable annuity is issued by Metropolitan Life Insurance Company, New York, NY 10166 on Policy Form Series G.4333-7. All products distributed by MetLife Investors Distribution Company (member FINRA), New York, NY 10166. Both are MetLife companies. Metropolitan Life Insurance Company New York, NY 10166 www.metlife.com Standardized as of 06/30/2018 Control Number L0418504446[exp0519][All States][DC] Page 5 of 5