Protecting Your Retirement Income

Generate and protect your lifelong stream of retirement income.

Creating a reliable, guaranteed stream of income is an important step toward securing an enjoyable retirement, but just as important is protecting it. Consider these questions:

• How should you protect your assets and income from certain financial and health risks?
• How should you manage the tax implications of your retirement income?
• What more can you do to protect your family and your assets?

MetLife can help you create and protect the income you need throughout your retirement.

Let MetLife take you step-by-step through the 3 stages of retirement. Learn more.

Envisioning Your Retirement
Determining What Retirement Will Cost
Funding Your Retirement

*Investment products are:

• Not FDIC-Insured
• Not Insured By Any Federal Government Agency
• Not Guaranteed By Any Bank Or Credit Union
• May Go Down In Value

Metropolitan Life Insurance Company, New York, NY 10166 (MLIC). Securities, including variable products offered by MetLife Securities, Inc. (MSI)(FINRA/SIPC), 1095 Avenue of the Americas, New York, NY 10036. Banking products and services, including deposit accounts, offered by MetLife Bank®, NA, Member FDIC, a MetLife affiliated company. MetLife Bank, MLIC & MSI are MetLife companies.

Like most annuity contracts, MetLife’s contracts contain exclusions, limitations, reduction of benefits, surrender charges and terms for keeping them in force. A MetLife Representative can provide you with costs and complete details.

A variable annuity is a long-term financial vehicle designed for retirement purposes. In essence, a variable annuity is a contractual agreement in which payment(s) is/are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. There are contract limitations, fees, and charges associated with variable annuities, which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees, and charges for optional benefits. Early withdrawals may be subject to surrender charges, and taxed as ordinary income and, in addition, if taken prior to age 59½, an additional 10% federal income tax penalty may apply. Withdrawals reduce annuity contract benefits and values. Investments in variable annuities will fluctuate and values upon redemption may be less than the original amount invested. Variable annuities are not guaranteed by FDIC or any other government agency and are not deposits or other obligations of, or guaranteed or endorsed by, any bank or savings association.

Variable annuities are offered by prospectus only, which is available from your registered Representative. You should carefully consider 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. This and other information is available in the prospectus, which you should read carefully before investing. Product availability and features may vary by state.

The amounts allocated to the variable investment options of a variable annuity's account balance are subject to market fluctuations so that, when withdrawn or annuitized they may be worth more or less than their original value.

Neither MetLife nor its Representatives provide tax or legal advice. Please consult your tax advisor or attorney for such guidance.

Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of MetLife insurance and annuity products. You should seek advice based on your particular circumstances from an independent tax advisor.