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Fixed Annuities

*Guarantees apply to certain insurance and annuity products, including optional benefits, (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer's claims-paying ability and financial strength.

Annuity products are long-term investments designed for retirement purposes. Product availability and features may vary by state.

MetLife fixed annuities, like all annuities, are insurance products and are not insured by the FDIC, the NCUSIF or any other government agency, nor are they guaranteed by, or the obligation of, the financial institution that sells them. All MetLife fixed annuity product guarantees are made solely by the issuing insurance company and are subject to the issuing insurance company's claims-paying ability and financial strength.

MetLife fixed annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. Please contact your financial professional for complete details.

Withdrawals may be subject to withdrawal charges and interest adjustment. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% Federal income tax penalty. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution Tax on Net Investment Income if your modified adjusted gross income exceeds the applicable threshold amount.

Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

Fixed annuities other than Preference Guaranteed Select are issued by MetLife Insurance Company USA on Policy Form 8210 (01/02); 11225 North Community House Road, Charlotte, NC 28277 and in New York, only by First MetLife Investors Insurance Company on Policy Form 6210 (01/02); 200 Park Avenue, New York, NY 10166. Preference Guaranteed Select is issued by Metropolitan Life Insurance Company on Policy Form ML-1210 (01/02); 200 Park Avenue, New York, NY 10166. All are MetLife companies.


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Additional Information...

About Distribution of MetLife Insurance Company USA's Registered Annuity Contracts.