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Financial Freedom Account

Click on an option below to see information for the Financial Freedom Account variable annuity:

 

American Funds Balanced Allocation Portfolio
American Funds Bond Fund
American Funds Global Small Capitalization Fund
American Funds Growth Allocation Portfolio
American Funds Growth-Income Fund
American Funds Growth Fund
American Funds Moderate Allocation Portfolio
Baillie Gifford International Stock Portfolio
Barclays Aggregate Bond Index Portfolio
BlackRock Bond Income Portfolio
BlackRock Capital Appreciation Portfolio
BlackRock Large Cap Value Portfolio
Calvert VP SRI Balanced Portfolio
Calvert VP SRI Mid Cap Growth Portfolio
Clarion Global Real Estate Portfolio
ClearBridge Aggressive Growth Portfolio
Fidelity VIP Equity-Income Portfolio
Fidelity VIP Growth Portfolio
Fidelity VIP Investment Grade Bond Portfolio
Fidelity VIP Money Market Portfolio
Frontier Mid Cap Growth Portfolio
Harris Oakmark International Portfolio
Invesco Mid Cap Value Portfolio
Invesco Small Cap Growth Portfolio
Jennison Growth Portfolio
Loomis Sayles Global Markets Portfolio
Loomis Sayles Small Cap Core Portfolio
Loomis Sayles Small Cap Growth Portfolio
Lord Abbett Bond Debenture Portfolio
Met/Artisan Mid Cap Value Portfolio
Met/Franklin Low Duration Total Return Portfolio
MetLife Asset Allocation 20 Portfolio
MetLife Asset Allocation 40 Portfolio
MetLife Asset Allocation 60 Portfolio
MetLife Asset Allocation 80 Portfolio
MetLife Asset Allocation 100 Portfolio
MetLife Mid Cap Stock Index Portfolio
MetLife Stock Index Portfolio
MFS® Research International Portfolio
MFS® Total Return Portfolio
MFS® Value Portfolio
Morgan Stanley Mid Cap Growth Portfolio
MSCI EAFE® Index Portfolio
Neuberger Berman Genesis Portfolio
Oppenheimer Global Equity Portfolio
PIMCO Inflation Protected Bond Portfolio
PIMCO Total Return Portfolio
Russell 2000® Index Portfolio
SSgA Growth and Income ETF Portfolio
SSgA Growth ETF Portfolio
T. Rowe Price Large Cap Growth Portfolio
T. Rowe Price Mid Cap Growth Portfolio
T. Rowe Price Small Cap Growth Portfolio
Western Asset Management Strategic Bond Opportunities Portfolio
Western Asset Management U.S. Government Portfolio
WMC Balanced Portfolio
WMC Core Equity Opportunities Portfolio
WMC Large Cap Research Portfolio

 

 

 

American Funds Balanced Allocation Portfolio
American Funds Bond Fund
American Funds Global Small Capitalization Fund
American Funds Growth Allocation Portfolio
American Funds Growth-Income Fund
American Funds Growth Fund
American Funds Moderate Allocation Portfolio
Baillie Gifford International Stock Portfolio
Barclays Aggregate Bond Index Portfolio
BlackRock Bond Income Portfolio
BlackRock Capital Appreciation Portfolio
BlackRock Large Cap Value Portfolio
Calvert VP SRI Balanced Portfolio
Calvert VP SRI Mid Cap Growth Portfolio
Clarion Global Real Estate Portfolio
ClearBridge Aggressive Growth Portfolio
Fidelity VIP Equity-Income Portfolio
Fidelity VIP Growth Portfolio
Fidelity VIP Investment Grade Bond Portfolio
Fidelity VIP Money Market Portfolio
Frontier Mid Cap Growth Portfolio
Harris Oakmark International Portfolio
Invesco Mid Cap Value Portfolio
Invesco Small Cap Growth Portfolio
Jennison Growth Portfolio
Loomis Sayles Global Markets Portfolio
Loomis Sayles Small Cap Core Portfolio
Loomis Sayles Small Cap Growth Portfolio
Lord Abbett Bond Debenture Portfolio
Met/Artisan Mid Cap Value Portfolio
Met/Franklin Low Duration Total Return Portfolio
MetLife Asset Allocation 20 Portfolio
MetLife Asset Allocation 40 Portfolio
MetLife Asset Allocation 60 Portfolio
MetLife Asset Allocation 80 Portfolio
MetLife Asset Allocation 100 Portfolio
MetLife Mid Cap Stock Index Portfolio
MetLife Stock Index Portfolio
MFS® Research International Portfolio
MFS® Total Return Portfolio
MFS® Value Portfolio
Morgan Stanley Mid Cap Growth Portfolio
MSCI EAFE® Index Portfolio
Neuberger Berman Genesis Portfolio
Oppenheimer Global Equity Portfolio
PIMCO Inflation Protected Bond Portfolio
PIMCO Total Return Portfolio
Russell 2000® Index Portfolio
SSgA Growth and Income ETF Portfolio
SSgA Growth ETF Portfolio
T. Rowe Price Large Cap Growth Portfolio
T. Rowe Price Mid Cap Growth Portfolio
T. Rowe Price Small Cap Growth Portfolio
Western Asset Management Strategic Bond Opportunities Portfolio
Western Asset Management U.S. Government Portfolio
WMC Balanced Portfolio
WMC Core Equity Opportunities Portfolio
WMC Large Cap Research Portfolio

 

Please note: First quarter 2014 is the final quarter for the production of the quarterly Actual Allocation Brochures. As of July 1, 2014, Target Allocation Brochures will replace the quarterly Actual Allocation Brochures.

Investment Performance Is Not Guaranteed.

Prospectuses for variable annuities issued by a MetLife insurance company, and for the investment portfolios offered thereunder, are 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.

Variable annuities are long-term investments designed for retirement purposes. MetLife variable annuity products 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 this product will meet their stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn or annuitized, it may be worth more or less than its original value, even when an optional protection benefit is elected. All product guarantees, including optional benefits, are based on the claims-paying ability and financial strength of the issuing insurance company. Please contact your financial professional for complete details.

MetLife Shield Level Selector is a long-term investment designed for retirement purposes and has limitations, exclusions, charges, termination provisions and terms for keeping it in force. There is a risk of substantial loss of principal for losses beyond the Shield Rate your clients select, because your clients agree to absorb all losses that exceed their chosen Shield Rate. Please refer to “Risk Factors” in the contract prospectus for more details. All contract guarantees, including the optional death benefit 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.

MetLife Shield Level Selector is a long-term investment designed for retirement purposes and has limitations, exclusions, charges, termination provisions and terms for keeping it in force. There is a risk of substantial loss of principal for losses beyond the Shield Rate your clients select, because your clients agree to absorb all losses that exceed their chosen Shield Rate. Please refer to “Risk Factors” in the contract prospectus for more details. All contract guarantees, including the optional death benefit 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.

Annuity 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. Withdrawals will reduce the living and death benefits and account value. Withdrawals may be subject to withdrawal charges. Withdrawals prior to age 59½ from a 403(b) annuity or prior to age 70½ from a 457(b) plan are generally restricted. Withdrawals of taxable amounts are subject to ordinary income tax and if taken before age 59½ (where permitted) may be subject to a 10% Federal income tax penalty. However, a distribution from a 457(b) plan before age 59½ (where permitted) is not subject to the 10% federal income tax penalty, unless the distribution is from a governmental 457(b) plan and is attributable to rollover amounts accepted from another type of eligible retirement plan (such as a 403(b) contract or IRA). 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.

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 products. Clients should seek advice based on their particular circumstances from an independent tax advisor since any discussion of taxes is for general informational purposes only and does not purport to be complete or cover every situation.

MetLife, its agents, and representatives may not give legal, tax or accounting advice and this document should not be construed as such. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

Variable annuities other than Enhanced Preference Plus Account, Financial Freedom Account, Preference Plus Account, Preference Premier, Preference Plus Select, Preference Plus Income Advantage, MetLife Financial Freedom Select and Vestmet® are issued by MetLife Investors Insurance Company and MetLife Investors USA Insurance Company; both Charlotte, NC 28277 and in New York, only by First MetLife Investors Insurance Company; New York, NY 10166. The Enhanced Preference Plus Account, Financial Freedom Account, Preference Plus Account, Preference Premier, Preference Plus Select, Preference Plus Income Advantage, MetLife Financial Freedom Select and Vestmet variable annuities are issued by Metropolitan Life Insurance Company; New York, NY 10166. Annuities issued by Metropolitan Life Insurance Company are offered through MetLife Securities, Inc.; 1095 Avenue of the Americas, New York, New York 10036, except Preference Premier which is offered by MetLife Securities, Inc. and New England Securities Corporation; both located at 1095 Avenue of the Americas, New York, New York 10036. MetLife Shield Level Selector Single Premium Deferred Annuity is issued by MetLife Insurance Company of Connecticut, Bloomfield, CT 06002. All products are distributed by MetLife Investors Distribution Company (member of FINRA). All are MetLife companies. June 2014

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