Versatility of Application

Equity Advantage VUL can help you fulfill a variety of needs including:

• Life Insurance protection for the ones you care about
• Funding children's education
• Mortgage protection
• Mortgage pay-off acceleration
• Supplemental retirement funding
• Business protection and continuation needs
• Estate liquidity
• Wealth transfer

Choice of Death Benefits

• Option A - you select a level amount of coverage
• Option B - the amount of coverage you select plus the policy's cash value
• Option C - is Option B to age 65, then coverage switches to Option A and remains level thereafter

Funding Options

• 43 Funding Choices: Fixed Account + 36 Actively Managed Portfolios + 5 Index Portfolios. See them categorized by investment style and relative risk.
• Automated Investment Strategies ¹ 
  • Equity Generator^SM - Fixed Account Safety plus Investing
  • Equalizer^SM - "Buy Low/Sell High" Investment Strategy
  • Rebalancer^SM - Customized Investing
  • Index Selector^SM - Automated Index Allocation Strategy
  • Allocator^SM - Investing a Large Sum Over Time

Flexibility (subject to certain limits)

• You can vary the amount and timing of your premium payments²
• Premium payments can be increased, decreased or suspended ²
• MetLife offers a variety of payment schedules to fit your budget
• You can make unscheduled extra payments at any time
• You can switch death benefit options at any time
• You can increase the amount of your specified death benefit after 2 policy years, subject to certain requirements

Guarantees

• Death Benefit guarantees to ages 65, 75 and 85 ³
• Guaranteed Mortality and Expense charges ⁴
• Guaranteed policy loan interest rates ⁴
• Guaranteed Administration charges ⁴

Loans and Withdrawals (subject to certain limits)

• You may borrow against your policy's cash surrender value at any time
• You may make partial withdrawals from your policy at no charge ⁵
• A loan or partial withdrawal will reduce the cash surrender value and death benefit of your policy.

Transfers Between Funding Options

• Non-taxable
• Currently free and unlimited

Added Value of Additional Policy Riders ⁶

• Accelerated Death Benefit
• Accidental Death Benefit
• Children's Term Insurance Benefit
• Disability Waiver of Premium Benefit
• Disability Waiver of Deductions Benefit
• Long Term Care Guaranteed Purchase Options
• Spouse Term Insurance Benefit

Equity Advantage VUL carries certain charges and fees, including transaction fees (sales and premium tax charges, surrender charges and transfer fees ⁷) and periodic charges (including portfolio operating charges, cost of insurance charges, mortality and expense risk charges and administrative charges), and charges for Optional Features (Riders).  For more information, please see the prospectus.

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.

Equity Advantage VUL Information Hotline 1-800-METLIFE

• Call our toll free automated line at 1-800-METLIFE for daily index values, quarterly rates of return or a quote of your policy's accumulated cash value.

For more information, please contact your registered representative or call: 1-800-METLIFE