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Annuities Overview

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

MetLife variable annuities and the MetLife Shield Level SelectorSM annuity are offered by prospectus only, which is available from your financial professional. The contract prospectus contains information about the contract’s features, risks, charges and expenses. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. Please refer to the contract prospectus for more complete details regarding the living and death benefits.

MetLife fixed income 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 income 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.

Annuities are long-term investments designed for retirement purposes. MetLife annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in the variable annuity product will meet their stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. For the MetLife Shield Level Selector, there is a risk of substantial loss of principal for losses beyond the Shield Rate you select, because you agree to absorb all losses that exceed your chosen Shield Rate. Please refer to “Risk Factors” in the contract prospectus for more details. All contract and rider guarantees, including optional benefits and annuity payout rates, are backed by the claims-paying ability and financial strength 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 and the underwriter do not back the financial strength of the broker/dealer or its affiliates. Please contact your financial professional for complete details.

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. 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. Withdrawals will reduce the death benefits and account value. Withdrawals may be subject to withdrawal charges.

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 insurance and other financial products and services. You should seek advice based on your particular circumstances from an independent tax advisor.

MetLife, its representatives and agents may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general informational purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for a specific taxpayer may vary depending on the particular set of facts and circumstances. You should consult with and rely on your own independent legal and tax advisors.

Annuities are issued by MetLife Investors USA Insurance Company; 5 Park Plaza, Suite 1900, Irvine, CA 92614, Metropolitan Life Insurance Company; 200 Park Avenue, New York, NY 10166 and First MetLife Investors Insurance Company (in NY Only); 200 Park Avenue, New York, NY 10166. MetLife Shield Level Selector Single Premium Deferred Annuity is issued by MetLife Insurance Company of Connecticut on Policy Form L-22494 (09/12); 1300 Hall Boulevard, Bloomfield, CT 06002. Variable products and MetLife Shield Level Selector are distributed by MetLife Investors Distribution Company (member FINRA); 5 Park Plaza, Suite 1900, Irvine, CA 92614. All are MetLife companies.


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