Group Variable Universal Life (GVUL) insurance is an enhanced program that employers can use to help attract and retain highly-compensated employees and works well for companies who want to offer something extra for these employees.

This innovative program goes beyond traditional group term insurance to address the unique protection, estate, and tax-planning needs of highly-compensated employees.

The program features permanent** (to age 95) coverage, combined with the option to invest premiums in a variety of variable investment portfolios.

GVUL works well for employees who are looking for additional tax-advantaged investment opportunities to supplement maximum-funded qualified savings plans.

MetLife has 20 years of experience in implementing and servicing Group Variable Universal Life programs.

For more information about GVUL, or to speak with a MetLife Representative, call 800-685-0124 or fill out the following form.

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 GVUL. Employees should seek tax advice based on their particular circumstances from an independent tax advisor.

**In some program designs, if the employer replaces MetLife GVUL with group life insurance from another issuer or otherwise terminates the GVUL group contract, the employees' GVUL coverage may also be terminated, even after separation from employment or in retirement.

Prospectuses for Group Variable Universal Life insurance and its underlying portfolios can be obtained by calling (800) 685-0124. You should carefully consider the information in the prospectuses about the contract’s features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. All product guarantees are subject to the financial strength and claims-paying ability of Metropolitan Life Insurance Company.