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The Equity Advantage VUL variable life insurance policy offers 53 investment options, including a Fixed Account, from more than 20 leading money managers. Your choices range from conservative to aggressive risk levels, and offer diversification across different asset classes, as well as growth and value investment styles.
The chart below shows the approximate risk relationship among the funding choices from the most conservative to the most aggressive, with all those within the same investment style listed in alphabetical order. Purchasers should understand that each portfolio incurs its own risks which will be dependent upon the investment decisions made by the respective Portfolio Manager. Furthermore, the names of the funding choices may not be indicative of all the investments contained within each portfolio. This chart is intended to be a guide; click on the Funding Option name to see a summary for that option. Then, consult the appropriate prospectus for more complete information regarding the individual funding options and their respective risks.
The Fund Fact sheets below must be accompanied by the current Fund Fact Sheet Disclosure page.
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| FUNDING OPTIONS |
ASSET CLASS |
| Fixed Account |
Cash |
| Western Asset Management U.S. Government PortfolioB |
1-5 Year Fixed |
BlackRock Bond Income PortfolioB, F, H
American Funds Bond FundB
Lehman Brothers Aggregate Bond Index Portfolio B, F, I
PIMCO Total Return PortfolioB, F, D |
Aggregate Bond |
Western Asset Management Strategic Bond Opportunities
Portfolio B, F, H |
Global Aggregate Bond |
| Lord Abbett Bond Debenture Portfolio B, H |
High Yield Bond |
| PIMCO Inflation Protected Bond Portfolio B, F |
Long Term Bond |
BlackRock Diversified Portfolio B, F, H, L, M
MFS® Total Return Portfolio B, F, L, V
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Balanced - Domestic |
| Neuberger Berman Real Estate Portfolio R |
REITs |
Harris Oakmark Focused Value Portfolio B, F, H, L, M, N, S, V
Neuberger Berman Mid Cap Value Portfolio F, V, M |
Mid Cap Value |
| Oppenheimer Global Equity Portfolio B, F, L, M, S |
Global |
BlackRock Large-Cap Core Portfolio G, J, L, V
Growth - Income Fund F, G, L, V
Legg Mason Value Equity Portfolio F, G, L, V
MetLife Stock Index Portfolio G, I, L, V
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Large Cap Blend |
BlackRock Large Cap Value PortfolioF, L, M, S, V
Davis Venture Value VIP Portfolio F, L, V
FI Value Leaders Portfolio F, L, V
Harris Oakmark Large Cap Value Portfolio B, H, L, V |
Large Cap Value |
| BlackRock Strategic Value Portfolio B, F, G, H, L, M, S, V |
Small Cap Value |
| Global Small Capitalization Fund F, S |
Global Small Cap |
FI Mid Cap Opportunities Portfolio F, G, L, M, S, V
Lazard Mid-Cap Portfolio G, M, V
MetLife Mid Cap Stock Index Portfolio G, I, M, V |
Mid Cap Blend |
FI International Stock Portfolio B, F, L, M, S
Harris Oakmark International Portfolio F
MFS® Research International Portfolio F
Morgan Stanley EAFE Index Portfolio F,I,L,M,S |
International Equities |
BlackRock Legacy Large Cap Growth Portfolio B, F, G, L
FI Large Cap Portfolio B, F, G, H, L
Growth Fund F, G, L
Janus Forty Portfolio B, F, G, L, M S
Jennison Growth Portfolio B, F, L, G, M
Oppenheimer Capital Appreciation Portfolio F, G, L
T Rowe Price Large Cap Growth Portfolio B, F, G, L |
Large Cap Growth |
Loomis Sayles Small Cap Portfolio F, G, L, M, R, S, V
Russell 2000® Index Portfolio G, I , S, V |
Small Cap Blend |
| Legg Mason Partners Aggressive Growth Portfolio B, F, G, H, L |
All Cap Growth |
BlackRock Aggressive Growth Portfolio B, F, G, L, M, S
T. Rowe Price Mid-Cap Growth Portfolio F, G, M |
Mid Cap Growth |
Franklin-Templeton Small Cap Growth PortfolioB,F,G,L,M,S,T
Met/AIM Small Cap Growth Portfolio F, S
T Rowe Price Small Cap Growth Portfolio B,F,G,S |
Small Cap Growth |
| RCM Technology Portfolio F, M, T |
Sector/Technology |
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| PORTOLFIOS THAT INVEST IN EXCHANGE TRADE FUNDS |
ASSET FUNDS |
| Cyclical Growth and Income ETF PortfolioB,E,F,G,H,J,L,M,R,S,V,Z |
Balanced - Flexible |
| Cyclical Growth ETF Portfolio B,E,F,G,H,J,L,M,R,S,V,Z |
Large Cap Blend |
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| FUNDING OPTIONS |
ASSET CLASS |
MetLife Conservative Allocation Portfolio AA
MetLife Conservative to Moderate Allocation Portfolio AA |
Asset Allocation |
MetLife Moderate Allocation Portfolio AA
MetLife Moderate to Aggressive Allocation Portfolio AA |
Asset Allocation |
| MetLife Aggressive Allocation Portfolio AA |
Asset Allocation |
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Variable insurance products, including variable annuities and variable life insurance, are offered by prospectus only. The prospectus contains information about the product's features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlying funding choices. Read the prospectus and consider this information carefully before you invest. Product availability and features may vary by state. All product guarantees are based on the claims-paying ability of the issuing insurance company.
Please click here for a prospectus, or call 800-MET-5000 or email lifeinfo@metlifeservice.com. Please read the prospectus carefully before investing or sending money.
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| Footnote |
Text |
| B Bond and other fixed-income securities involve both credit risk and market risk, which includes interest rate risk. Credit risk is the risk that the security’s issuer will not pay the interest, dividends or principal that it has promised to pay.Market risk is the risk that the value of the security will fall because of changes in market rates of interest or other factors.Interest rate risk reflects the fact that the values of fixed-income securities tend to fall as interest rates rise. When interest rates go down, interest earned on fixed-income securities will tend to decline. |
| D The Portfolio may use derivative instruments for hedging purposes or as part of its investment strategy. Use of these instruments may involve certain costs and risks such as liquidity risk, interest rate risk, market risk, credit risk, management risk and the risk that a fund could not close out a position when it would be most advantageous to do so.Portfolios investing in derivatives could lose more than the principal amount invested in those instruments. |
| E Exchange Traded Funds (ETF) purchases and sales are made on the open market and as such are subject to ordinary commission charges by the Broker/Dealer firm who executes the transaction. Trading throughout the day, the value of an ETF may be more or less than the net asset value of the underlying holdings. Additionally, the spread between the bid and ask prices will cause the price at which you can immediately sell an ETF share you just purchased to be lower than the price you paid for it. There is no guarantee that an ETF will meet the objectives of its underlying portfolio. |
| F Foreign securities pose additional risks that are not associated with U.S. domestic issues, such as changes in currency exchange rates and different governmental regulations, economic conditions and accounting standards. |
| G Invests in growth stocks, the prices of which may be more sensitive to changes in current or expected earnings than the prices of other stocks. Growth stocks may not perform as well as value stocks or the stock market in general. |
| H Lower rated high yield, high risk securities generally involve more credit risk. These securities may also be subject to greater market price fluctuations than lower yielding, higher rated debt securities. |
| I MSF Index Morgan Stanley sponsors the MSCI EAFE® Index, Lehman Brothers sponsors the Lehman Brothers® Aggregate Bond Index, Standard & Poor’s sponsors the S&P 500® Index and the S&P MidCap 400® Index, and Frank Russell Company sponsors the Russell 2000® Index (together referred to as “index sponsors”). Direct investment in an index is not possible. The index sponsors do not sponsor, endorse, sell or promote the portfolios or make any representation regarding the advisability of investing in the portfolios. The index sponsors have no responsibility for and do not participate in the management of portfolio assets or sale of portfolio shares. Each index and its associated trademarks and service marks are the exclusive property of the respective index sponsors. The Metropolitan Series Fund, Inc. Statement of Additional Information contains a more detailed description of the limited relationship the index sponsors have with MetLife and the Fund. |
| J Market indices referenced are unmanaged and representative of large and small domestic and international stocks and bonds, each with unique risks. Information about them is provided to illustrate market trends and does not represent the performance of any specific investment. You cannot invest directly in an index. |
| L Invests in the common stock of large capitalization companies.These investments may not be able to attain the growth rates as high as those of successful smaller capitalization companies, especially during extended periods of economic expansion. |
| M The common stocks of medium-sized companies may be more volatile than those of larger, more established companies. |
| N The portfolio is classified as “nondiversified”, meaning it has the ability to take larger positions in a smaller number of issuers than a “diversified” fund.Nondiversified funds may experience greater price volatility. |
| R Investing in real estate involves special risks, which may not be associated with investing in stocks, including possible declines in real estate values, adverse economic conditions, and changes in interest rates. |
| S Investments in small capitalization and emerging growth companies involve greater than average risk. Such securities may have limited marketability and the issuers may have limited product lines, markets and financial resources. The value of such investments may fluctuate more widely than investments in larger, more established companies. |
| T The technology industry can be significantly affected by obsolescence, short product cycles, falling prices and profits, and competition from new market participants. Funding choices that primarily invest in one sector are more volatile than those that diversify across many industry sectors and companies. |
| V Invests in stocks that tend to trade at lower prices relative to their fundamental financial characteristics and are therefore considered undervalued. Value stocks can perform differently than other categories of stocks (e.g., growth stocks) and can continue to be undervalued by the market for long periods of time. |
| Z An investment in the 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, it is possible to lose money by investing in the Portfolio. |
| MetLife Asset Allocation Portfolio Footnotes |
| The Asset Allocation Portfolios may invest in all the asset classes of the underlying portfolios. Consequently, all the risks and other information listed in these footnotes may apply. The Asset Allocation Portfolios may also invest in the BlackRock Money Market Portfolio. An investment in the Money Market Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.Although the Money Market Portfolio seeks to preserve the value of your investment at $100.00 per share, it is possible to lose money by investing in the Portfolio. |
| 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. |
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