MetLife Investors USA Insurance Company - GLT 10, 15, 20, 30 Product Features

10 Year Term: 18 to 75
15 Year Term: 18 to 70
20 Year Term: 18 to 65
30 Year Term: 18 to 50

Acceleration of Death Benefit Rider (ADBR) - This rider provides a benefit to the policyowner if the insured is certified as terminally ill with no more than 12 months remaining to live. The rider gives the policyowner the right to request all or part of the eligible proceeds (but never less than $20,000 or more than the greater of 10 percent of the eligible proceeds or $250,000). There is no premium for this rider while it is in force, but accelerated payments are reduced by a discount factor and a $150 administrative fee. If a partial acceleration is elected, the remaining reduced policy must have a face amount of at least $100,000. ADBR can be added after policy issue upon state availability. Not available in Oregon. Check current information for state approvals.

Tobacco: No use of nicotine in any form in the past 48 months.

Driving: No convictions for DUI/DWI in the last five years. No more than two moving violations in the last five years.

Substance Abuse: No history of alcohol or drug abuse or treatment.

Aviation: Any type of aviation available only with exclusion rider. Commercial pilots are acceptable.

Residence: United States or Canada as permanent residence.

Foreign Travel: No ratable travel.

Personal Health History: No history or treatment of diabetes, cancer (except basal cell carcinoma), cardiovascular disease, or other significant health problems; no flat extra.

Avocation: No ratable hazardous avocations, or available only with exclusion rider.

Blood Profile: Within normal limits.

Cholesterol: Ages 15-44: 200 or less; Ages 45+: 210 or less; Cholesterol/HDL 4.5 or less. Current medication OK if acceptable level maintained at least 12 months.

Blood Pressure: Ages 15-44: 130/80 or less; Ages 45+: 135/85 or less No use of medication to reduce blood pressure within last 12 months.

Family History: No onset CAD, CVD, DM or PVD under age 65.

Flat Extra: None.

Preferred Plus Nonsmoker:

Tobacco: No use of nicotine in any form in the past 48 months.

Driving: No convictions for DUI/DWI in the last five years. No more than two moving violations in the last three years.

Substance Abuse: No history of alcohol or drug abuse or treatment.

Aviation: Any type of aviation available only with exclusion rider. Commercial pilots are acceptable.

Residence: United States or Canada as permanent residence.

Foreign Travel: No ratable travel.

Personal Health History: No history or treatment of diabetes, cancer (except basal cell carcinoma), cardiovascular disease, or other significant health problems; no flat extra.

Avocation: No ratable hazardous avocations, or available only with exclusion rider.

Blood Profile: No elevation of LFTs.

Cholesterol: Ages 15-44: 220 or less; Ages 45+: 240 or less; Cholesterol/HDL 5.0 or less. Current medication OK if acceptable level maintained at least 12 months.

Blood Pressure: Ages 15-44: 140/85 or less; Ages 45+: 140/90 or less No use of medication to reduce blood pressure within last 12 months.

Family History: No onset CAD, CVD, DM or PVD under age 65.

Flat Extra: None.

Standard Plus Nonsmoker:

Tobacco: No use of nicotine in any form in the past 12 months.

Driving: No convictions for DUI/DWI in the last five years. No more than two moving violations in the last three years.

Substance Abuse: No history of alcohol or drug abuse or treatment during the last 10 years.

Aviation: Available with flat extra premium or exclusion rider.

Residence: No ratable residence.

Foreign Travel: No ratable travel.

Personal Health History: No history or treatment of cancer (except basal cell carcinoma) or cardiovascular disease within the last 10 years; no diabetes (except gestational); flat extra acceptable.

Avocation: Available with flat extra premium or exclusion rider.

Blood Profile: No elevation of LFTs.

Cholesterol: Ages 15-44: 250 or less; Ages 45+: 250 or less; Cholesterol/HDL 6.0 or less. Current medication OK.

Blood Pressure: Ages 15-44: 140/90 or less; Ages 45+: 145/90 or less. Current medication OK.

Family History: No onset CAD, CVD, DM, or PVD under age 60.

Flat Extra: No medical reason.

Consumer Reports: Personal history interviews:

Face Amount $100,000 - $1,000,000:
Using data from the life application we will identify and select cases electronically that will require a risk-based personal history telephone interview to be conducted.

Face Amount $1,000,001 - $5,000,000:
Personal history telephone interviews are conducted for all applications. Completion of the Personal Financial Supplement found in the application packet is also required.

Face Amount Over $5,000,000:
An inspection report from one of our service companies is requested. You may order this directly or through the home office; indicate your preference on the New Business transmittal form. To request an inspection report directly, call First Financial Underwriting Services at 800-570-3477.

Financial Statements: See above. Also, please provide a cover letter explaining the purpose of the coverage and how you determined the amount of insurance. The underwriter may request additional information.