Government

Our Commitment

MetLife provides 457(b) plan services to a variety of governmental employers that allow employees to save for retirement beyond that provided by their government pensions. From employee education to investment choices, MetLife provides comprehensive retirement services to help minimize your administrative workload and help maximize the benefits for you and your employees.

Product Platforms

We offer a full menu of funding options, including fixed and variable annuities, stable value accounts and a variety of funds from leading mutual fund families. Our open architecture allows you to build a program that satisfies your objectives and appeals to every type of investor from the most risk adverse to the most aggressive at every stage of life.

There are no proprietary mutual fund requirements and MetLife provides full disclosure regarding any administrative services fees that may be received from third party mutual fund advisors or their affiliates.

Through MetLife, you can also elect to utilize the services of two independent experts to help meet your plan fiduciary obligations and thereby potentially reduce your liability.

Your retirement program support includes:

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Financial Services Representatives

What really sets us apart from other providers is the direct support you and your employees receive from a dedicated, onsite MetLife Financial Services Representative (FSR). These professionals deliver targeted education and communication programs designed to educate your employees and maximize participation in your plan.

Your dedicated FSR:

Conducts onsite enrollment and education seminars
Meets with participants one-on-one to:
- answer retirement plan questions
- help complete enrollment and salary reduction forms
- review financial needs
- offer guidance for setting and achieving retirement goals

Strategies For Educating Your Employees

MetLife is committed to helping you reach the goals you've set for your retirement savings plan. We'll work with you to design a program to help boost your employees' participation in the plan and to help them achieve financial security by the time they retire.

The Right Message. The Right Time. The Right Media.

The Right Message To develop an effective communication strategy for your plan, we start by reviewing your plan goals. We can even survey your employees to identify any gaps in knowledge with respect to your retirement plan or other financial concepts. Using this information, we partner with you to develop communication and education campaigns that target different employee segments.
The Right Time To help your employees better understand the importance of saving for retirement, MetLife offers educational content through our Curriculum of Retirement Education (CORE) program. CORE is an integrated, multimedia platform that addresses the changing lifestyles and financial needs of your employees.
The Right Media Recognizing that employees have different learning styles, MetLife developed our Layers of Learning delivery model for educational programs. This approach focuses on making information available through a variety of methods — through our on-site representatives, traditional in-person seminars, online tools and personalized mailings.

Mutual funds and variable annuities are sold by prospectus only, which are available from your registered representative. Please carefully consider the product’s features, risks, charges and expenses, and the investment objectives and policies of the underlying investments, as well as other information about underlying funding choices. This and other information is available in the prospectus, which you should read carefully before making purchases and allocations. Investment return and principal value will fluctuate with changes in market conditions such that shares and unit values may be worth more or less than the original value when redeemed. Diversification cannot eliminate the risk of investment loss.

Like most annuity contracts, MetLife contracts contain withdrawal charges, limitations, exclusions, holding periods, termination provisions and terms for keeping them in force. Contact your MetLife representative for costs and complete details. Because tax deferral is provided by the plan, participants who invest in an annuity contract under a plan should have a reason other than tax deferral to invest in an annuity contract, such as a guaranteed death or lifetime income benefits.

Metropolitan Life Insurance Company (MLIC), New York, NY 10036. Securities products offered through MetLife Securities, Inc. (MSI)(member FINRA/SIPC), 1095 Avenue of the Americas, New York, NY 10036. MLIC and MSI are MetLife companies.

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403(b) Resource Center

Learn more about our thought leadership and insights on the 403(b) regulations:

Go to the 403(b) Resource Center More resources and tools IRS Plan Comparison Table

MetLife Links

Learn more about research initiatives and community involvement.

MetLife Foundation Mature Market Institute Retirement Toolbox Life Advice ASBO Bridges to the Future Program