Metropolitan Life Insurance Company Permanent Products

Whole Life Insurance Products
A form of permanent life insurance, whole life insurance features guaranteed premiums, death benefits, and cash value. Whole life insurance policies also give you the potential to receive dividends, which can increase the value of the policy when the insured is living or provide an increased death benefit for your beneficiaries. Dividends are not guaranteed. Guarantees apply to whole life’s guaranteed death benefit, cash value and premiums and are subject to product terms, exclusions and limitations and the claims-paying ability and financial strength of the issuing insurance company. Request a specimen policy for additional details. You may want to purchase a whole life insurance policy if you want:

Advantages
Protection for life
Payments that stay the same each year
To be able to put additional money into the policy on a tax-favored basis
Cash value you can use while you are living

Whole life insurance offers confidence through the guarantees it provides:
Guaranteed level premiums. The premiums you pay are guaranteed to remain the same for the life of the policy, regardless of age or health. Guaranteed death benefits. Beneficiaries will receive at least the face amount of the policy upon the death of the insured, assuming you do not have outstanding policy loans and that the policy premiums are paid on time. Guaranteed cash value. Your cash value will grow each year, tax-deferred, until it matches the face value of your policy. When you need it most, you’ll have access to your cash through loan and withdrawal options. Loans and withdrawals will decrease the cash value and death benefit

Guaranteed level premiums.
The premiums you pay are guaranteed to remain the same for the life of the policy, regardless of age or health.

Guaranteed death benefits.
Beneficiaries will receive at least the face amount of the policy upon the death of the insured, assuming you do not have outstanding policy loans and that the policy premiums are paid on time.

Guaranteed cash value.
Your cash value will grow each year, tax-deferred, until it matches the face value of your policy. r Cash value is available through loan and withdrawal options.

Note:
Descriptions of the policy features and options are only partial; Like most insurance policies, MetLife's policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete details and limitations ask to see a specimen policy.

MetLife Promise Whole Life 120 is issued by MetLife Investors USA Insurance Company generally on Policy Form 5E-12-12 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-12-10-NY-A. MetLife Promise Whole Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E-12-10 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-12-10-NY. All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company.


Universal Life Products
Universal life insurance policies provide the flexibility to build your policy's cash value or focus more on guaranteed protection.

Guaranteed Protection
Allows the insured to choose the length of the protection guarantee and the premium payment schedule up front-both are then guaranteed not to change so long as the premiums are paid as planned. In the Guaranteed Protection policy design, departing from the payment schedule or making other changes to your policy may affect this guarantee and higher premiums could be required to keep the policy in force.

Cash Accumulation
allows you to change, within limits, your premium payments and death benefit. It also allows you to set aside additional money in a tax-deferred way to help you meet long-term financial goals.  Withdrawals or loans will reduce your policy's death benefit.

Note:
Like most insurance policies, MetLife's policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force.