What is it?

Equity Advantage VUL is a variable universal life insurance policy that offers a choice of death benefit guarantees and investment opportunities. Although the primary purpose of this product is to provide your selected beneficiaries with a death benefit, it also allows for access to available money within the policy while you're alive.* Equity Advantage VUL gives you the choice of allocating your net premiums to one or more of more than 50 funding options, including a Fixed Account. Since the policy's cash value will vary with the performance of the particular funding option(s) chosen, there are no cash value guarantees; however, there is a greater potential for growth with exposure to the market. The more conservative Fixed Account does provide cash value guarantees backed by the issuing insurance company. This product is currently available in all states.

*Withdrawn or borrowed amounts do not participate in the performance of the funding options. Poor performance of the funding options may necessitate additional premium payments, without which the policy may lapse.

Who's it for?

People who:

• Have a need for Life Insurance
• Have longer time frames and a risk tolerance to weather the market
• Want control over where their net premium dollars are allocated
• Are interested in the potential for higher, tax-deferred cash value returns and are willing to accept risk from market fluctuations.

Benefits:

• There is no set schedule for premium payments after the first policy year, so as your needs and goals change you may be able to increase, decrease or stop premium payments
• Since the amount of coverage (face amount) can generally be adjusted, you may never need to purchase another life insurance policy
• Metropolitan Life Insurance Company guarantees that the interest rate credited to the cash value in the Fixed Account will never be less than 3%
• A minimum death benefit is guaranteed regardless of funding option performance if you maintain Guaranteed Minimum Death Benefit premium payments at specified levels
• You can purchase a Disability Waiver of Specified Premium Amount rider for an additional cost. In the event that the insured becomes disabled, this rider applies a predetermined amount of premium to the policy, within limits so that you can maintain coverage and continue to accumulate cash value
• The potential for your cash value to accumulate more rapidly over fixed products

• A selection of professionally managed funding options

• The flexibility to change the funding options in which your net premiums are invested at any time
• The ability to transfer money among the funding options at any time, currently without charge (some restrictions may apply)

Some Drawbacks to Consider:

• Increases in amounts of coverage require you to submit satisfactory health information to MetLife.
• If funding option performance is poor and you have not maintained target premium payments, your death benefit could decrease depending on the death benefit option chosen, which could leave your beneficiaries inadequately protected or you may have to pay additional premium to keep the policy in force. Failure to make these additional premium payments could cause the policy to lapse with significant tax consequences

• Equity Advantage VUL has limitations. There is no guarantee that any of the variable options in this product will meet their stated goals or objectives. The amount allocated to the variable investment options of your account balance are subject to market fluctuations so that, when withdrawn the cash surrender value may be worth more or less than the sum of premiums paid.

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.

Like most insurance policies, MetLife policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. A MetLife representative can provide you with costs and complete details.