Company Ratings

MetLife, Inc. and Subsidiaries

MetLife, Inc. and its subsidiaries have obtained financial strength and/or credit ratings from various rating agencies. Insurer financial strength ratings represent the opinions of rating agencies regarding the ability of an insurance company to pay obligations under insurance policies and contracts in accordance with their terms, and are not evaluations directed toward the protection of investors in MetLife, Inc.’s securities. Credit ratings are opinions of each agency with respect to specific securities and contractual financial obligations and the issuer’s ability and willingness to meet those obligations when due. Neither insurer financial strength nor credit ratings are statements of fact nor are they recommendations to purchase, hold or sell any security, contract or policy. Each rating should be evaluated independently of any other rating. The following charts include ratings for certain companies in the MetLife enterprise. For more information about a particular rating, or information about ratings of other MetLife companies which are not set forth below, please visit the website of the relevant rating agency or see MetLife, Inc.'s reports provided to the Securities and Exchange Commission under the Securities Exchange Act of 1934.

Ratings current as of November 4, 2009.

Insurer Financial Strength Ratings

* Current outlook is "negative."

Please see below for more information on insurer financial strength rating categories.

Credit Ratings

* Current outlook is "negative."

Please see the websites of the applicable rating agencies for more information on credit rating categories.

Insurer Financial Strength Rating Categories

The rating categories in any given rank are not equivalent to one another.