Equity Advantage VUL offers you the following significant tax advantages under current rules:

• Death Benefits are generally received free of federal and state income taxes by the beneficiaries.
• Death Benefits may avoid estate taxation if someone owns the policy other than the insured (for at least three years prior to the insured's death).
• Cash Values grow tax-deferred as long as they remain inside the policy.
• Withdrawals (equal to or less than cumulative premiums paid) are generally not taxable as long as the policy is not a Modified Endowment Contract (MEC)¹
• Policy Loans (as long as the policy is not a MEC) are tax deferred until the policy lapses or is surrendered. Upon the death of the insured, an outstanding loan is deducted from the proceeds.
• Transfers among the various investment options are tax free and will not incur a policy fee². 

Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax advisor.