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The Equity Advantage Variable Universal Life (VUL) insurance policy offers 61 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 |
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American Funds Bond FundB
BlackRock Bond Income PortfolioB, F, H
Lehman Brothers® Aggregate Bond Index PortfolioB, F, I
PIMCO Total Return PortfolioB, F, D, H
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Aggregate Bond |
Western Asset Management Strategic Bond Opportunities
PortfolioB, F, H |
Multi-Sector Bond |
| PIMCO Inflation Protected Bond PortfolioB,F,H |
Treasury Infl ation Protected Securities |
| Lord Abbett Bond Debenture PortfolioB, F, H, V |
High Yield Bond |
BlackRock Diversified PortfolioB, F, H, L
Met/Franklin Income PortfolioB, F, H, I, M, S, V
Met/Franklin Templeton Founding Strategy PortfolioB, F, G, H, L , M, N, S, V
MFS® Total Return PortfolioL, V |
Balanced |
| Clarion Global Real Estate PortfolioF, L, M, N, R, S |
REITs |
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Met/Templeton Growth PortfolioB, F, L, M, S, V
Oppenheimer Global Equity PortfolioB, F, L, M, S
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Global |
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BlackRock Large Cap Value PortfolioF, L, M, S, V
Davis Venture Value PortfolioF, L, V
FI Value Leaders Portfolio (Fidelity)F, L, V
Met/Franklin Mutual Shares PortfolioB, F, H, L, M, S, V
MFS Value PortfolioL, V
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Large Cap Value |
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American Funds Growth-Income FundF, G, L, V
BlackRock Large-Cap Core PortfolioG, J, L, V
Legg Mason Value Equity PortfolioB, F, G, H, L, M, N, S, V
MetLife Stock Index PortfolioG, I, L, V
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Large Cap Blend |
Harris Oakmark Focused Value PortfolioB, F, H, L, M, N, S, V
Neuberger Berman Mid Cap Value PortfolioF, M,V |
Mid Cap Value |
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Lazard Mid Cap PortfolioF, G, L, M, S, V
MetLife Mid Cap Stock Index PortfolioG, I, M, V
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Mid Cap Blend |
| American Funds Global Small Capitalization FundF, S |
Global Small Cap |
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Harris Oakmark International PortfolioF, L, M, N, S, V
Julius Baer International Stock PortfolioG, F, L , R, V
MFS® Research International PortfolioF, G, L, M, S, V
Morgan Stanley EAFE® Index PortfolioF, I, L, M, S
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International |
| BlackRock Strategic Value PortfolioB, F, G, H, L, M, S, V |
Small Cap Value |
Loomis Sales Small Cap PortfolioF, G, L, M, R, S, V
Russell 2000® Index PortfolioG, I, S, V |
Small Cap Blemd |
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American Funds Growth FundF, G, I
BlackRock Legacy Large Cap Growth PortfolioB, F, G, L, V
FI Large Cap Portfolio (Fidelity)B, F, G, H, L
Janus Forty PortfolioB, F, G, L, M S
Jennison Growth PortfolioB, F, L, G, M
Legg Mason Partners Aggressive Growth PortfolioB, F, G, H, L, N
Oppenheimer Capital Appreciation PortfolioF, G, L, M, S
T. Rowe Price Large Cap Growth PortfolioB, F, G, L, V
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Large Cap Growth |
Franklin-Templeton Small Cap Growth PortfolioB,F,G,L,M,S,T
Met/AIM Small Cap Growth PortfolioF, G, S
T. Rowe Price Small Cap Growth PortfolioB,F,G,S |
Small Cap Growth |
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BlackRock Aggressive Growth PortfolioB ,F, G, L, M, S
FI Mid Cap Opportunities Portfolio (Fidelity)F, G, L, M, S, V
T. Rowe Price Mid Cap Growth Portfolio F, G, M, N
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Mid Cap Growth |
| RCM Technology PortfolioD, F, G, S, T |
Sector/Technology |
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| PORTOLFIOS THAT INVEST IN EXCHANGE TRADE FUNDS |
ASSET FUNDS |
| SSgA Growth and Income ETF PortfolioB, E, F, G, H, J, L, M, N, R, S, V, Z |
Balanced |
| SSgA Growth ETF PortfolioB, E, F, G, H, J, L, M, M, R, S, V, Z |
Large Cap Blend |
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| ASSET ALLOCATION FUNDING OPTIONS |
| MetLife Conservative Allocation PortfolioAA |
MetLife Aggressive Allocation PortfolioAA |
MetLife Conservative to Moderate Allocation PortfolioAA
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American Funds Moderate Allocation PortfolioB, F, G, H, L,M, N, S |
| MetLife Moderate Allocation PortfolioAA |
American Funds Balanced Allocation PortfolioB, F, G, H, L, M, N, S |
| MetLife Moderate to Aggressive Allocation PortfolioAA |
American Funds Growth Allocation PortfolioB, F, G, H, L, M, N, S |
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EAVUL is offered by prospectus only. You should carefully consider 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. The amounts allocated to the variable investment options of your account balance are subject to market fluctuations so that, when withdrawn it may be worth more or less than its original value.
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.
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| Footnote |
Text |
| * Guaranteed by the financial strength and claims-paying ability of the issuing insurance company. |
| 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 refl ects the fact that the values of fi xed-income securities tend to fall as interest rates rise. When interest rates go down, interest earned on fi xed-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 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 signifi cantly affected by obsolescence, short product cycles, falling prices and profi ts, 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. |
| AA 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. |
| More About Asset Allocation Portfolios: |
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MetLife Advisers, LLC is the investment adviser to the MetLife asset allocation portfolios. Met Investors Advisory, LLC is the investment adviser to the American Funds asset allocation portfolios. The investment adviser chooses the underlying funding options for each portfolio and the proportions of each underlying funding option within each portfolio.
Standard and Poor’s Investment Advisory Services LLC (“SPIAS”) serves as consultant to MetLife Advisers, LLC for the MetLife asset allocation portfolios. SPIAS does not provide advice to MetLife’s underlying clients or have any discretionary authority or control with respect to purchasing or selling securities, and does not act as a “fi duciary” or “investment manager,” as defi ned under ERISA, to any investor. SPIAS makes no warranties, express or implied, as to results to be obtained from the information provided by it, and neither SPIAS nor its affi liates endorse, sell or promote this product or make any recommendations as to the advisability of investing in it.
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 diversifi ed portfolio will enhance overall return or outperform one that is not diversified. An investment made according to one of these asset allocation models neither guarantees a profi t nor prevents the possibility of loss.
Asset allocation portfolios are “fund of funds” portfolios. Because of this two-tier structure, each asset allocation portfolio bears its own investment management fee and expenses as well as its pro rata share of the management fee and expenses of the underlying portfolios. The Contract Owner may be able to realize lower aggregate expenses by investing directly in the underlying portfolios instead of investing in an asset allocation portfolio. In that case, you would not receive the asset allocation services provided by an investment adviser.
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