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Income Annuities

1The MetLife Income Annuity is referred to as Single Premium Immediate Annuity (SPIA) in the contract and on related forms.

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

MetLife income annuities, like all annuities, are insurance products and 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 product guarantees, including optional benefits, are subject to the financial strength and claims-paying ability of the issuing insurance company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities and none makes any representations or guarantees regarding the claims-paying ability and financial strength of the issuing insurance company. Similarly, the issuing insurance company does not back the financial strength of the broker/dealer or any of its affiliates.

Like most annuity contracts, MetLife's contracts contain charges, limitations, exclusions, holding periods, termination provisions and terms for keeping them in force.  Contact your financial professional for costs and complete details.

Distributions 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. Some broker/dealers and financial professionals may refer to the 10% Federal income tax penalty as an “additional tax” or “additional income tax,” or use the terms interchangeably when discussing withdrawals taken prior to age 59½. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution tax 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.

The Single Premium Immediate Annuity is issued on Policy Form MLIU-SPIA (07/06) and the MetLife Guaranteed Income Builder is issued by MetLife Insurance Company USA on Policy Form 6-1001-1 (05/14); 11225 North Community House Road, Charlotte, NC 28277 and in New York, only by Metropolitan Life Insurance Company on Policy Form 1-1001-1 (05/14); 200 Park Avenue, New York, NY 10166. The MAX Income Single Premium Immediate Annuity is issued on Policy Form ML-SPIA (07/06) by Metropolitan Life Insurance Company; 200 Park Avenue New York, NY 10166. All are MetLife companies.


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