If you have a specific investment allocation in mind and you're attracted to the convenience and simplicity of our automatic investment strategies, the Rebalancer could be for you. The Rebalancer works by automatically returning your Equity Advantage VUL policy's cash value each quarter to the allocation you select. Think of it as an extension of the Equalizer: instead of returning you to a 50/50 split, you're returned to your own customized allocation. With the Rebalancer you'll be transferring money from the investment options that have performed the best into the ones that have not performed as well.1
For example, say you start out with a 75/15/10 split between the Fixed Account, the BlackRock Legacy Large Cap Growth Division and the MetLife Stock Index Division. If the stock market experiences significant growth (and our investment options follow suit), you could end up with a 55/25/20 split. If you had elected the Rebalancer, we would transfer a portion of your gains back into the Fixed Account, to restore your initial allocation.
Another reason to retain your original mix: risk management. Many people choose an allocation scenario based on their risk tolerance. For example, you may decide that you need at least 50% of your cash value in a guaranteed account, and another 30% in conservative to moderate stock options, and the remaining 20% in aggressive stock options. But what happens if you don't continually monitor the investment options within your Equity Advantage VUL policy? As we have shown, your original allocation may begin to drift. If the riskiest investments outperform the more conservative ones, you'll probably drift towards a riskier allocation.
The Rebalancer works for any allocation mix you choose. You tell us what you want, and we'll keep you there. If you change your mind about how your policy's cash value should be allocated, just call our customer service representatives. They'll change your mix immediately, as often as you like, and at no cost.
The Rebalancer: Customized Investing On Your Own Terms
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 financial strength and 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.
