*Assumptions for Power of Tax Deferral graph: Initial investment: $50,000. Rate of Return: 8%. A withdrawal is taken from the Taxable Account each year to pay tax at the Current Tax Rate of 33%. No tax is withdrawn from the Tax-Deferred Account, except at final withdrawal at the hypothetical Retirement Tax Rate of 15% (shown as the Tax-Deferred - After Tax). A 10% tax penalty may also apply to withdrawal prior to age 59 ½. This chart shows the general benefit of tax deferral and does not describe any particular product. Each payment consists of return of principal and taxable gain. You will be taxed only on the pro-rata portion of your withdrawal representing gain.

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

Neither MetLife nor its representatives or agents are permitted to give legal or tax advice. Any discussion of taxes included in or related to this article is for general informational purposes only. Such discussion does not purport to be complete or to cover every situation.

Current tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer vary depending on the taxpayer's particular set of facts and circumstances. You should consult with and rely on your own independent legal and tax advisors regarding your particular set of facts and circumstances.