Life Insurance

Term Life

This Policy Change content is for Term Life products issued between 2013 to 2017.

One Year Term (OYT)
Guaranteed Level Term (GLT) 10, 15, 20 & 30

One Year Term (OYT)

Policy Change Request Type	Effective Date of Policy Change	Other Change Criteria
Risk Classification Improvement	Date of Underwriting Approval	Only available after the first policy year if the policy has the Convertible and Renewable Options Rider.
Face Decrease*	Earlier of Paid to Date and Current Date	Only available after the first policy year if the policy has the Convertible and Renewable Options Rider.
Term Conversion**	Policy Year 2 through 5	Only available if the policy has the Convertible and Renewable Options Rider.
Face decrease cannot exceed a minimum face amount of $100,000. *Any remaining face amount of a term policy that has been partially converted will be canceled.

Guaranteed Level Term (GLT) 10, 15, 20 & 30

Policy Change Request Type	Effective Date	Other Change Criteria
Risk Classification Improvement	Date of Underwriting Approval
Face Decrease*	Earlier of Paid to Date and Current Date
Rider/Benefit Cancellations:
Disability Waiver	Earlier of Paid to Date and Current Date
Convertible Disability Waiver	Earlier of Paid to Date and Current Date
Term Conversion**	Earlier of Paid to Date and Current Date	For issue ages less than 65: The policy is convertible until the earlier of the end of the initial term period or the policy anniversary at the insured's attained age 70. For issue age 65 and older: The policy is convertible for the first five policy years.
* Face decrease cannot exceed a minimum face amount of $100,000. **Any remaining face amount of a term policy that has been partially converted will be canceled.

Whole Life

This Policy Change content is for Whole Life Products issued between 2010 to 2017.

Promise Whole Life (PWL)
Promise Whole Life 120 (PWL 120)
Promise Whole Life Select 10, 20 & 65 (L10, L20 & L65)

Promise Whole Life (PWL)

Policy Change Type	Effective Date of Policy Change.	Other Change Criteria
Risk Classification Improvement*	Annual Policy Anniversary	Risk Classification Improvement changes must be submitted 90 days prior to 90 after the policy anniversary.
Face Decrease:**
Decrease Face without Flex Term Rider	Earlier of Paid to Date and Current Date
Decrease Face with Flex Term Rider	Annual Policy Anniversary
Benefit Increase:
Accidental Death Benefit	Annual Policy Anniversary	Available for Insured ages 0-65; not available on Guaranteed Issue policies.
Rider/Benefit Additions:
Accidental Death Benefit	Annual Policy Anniversary	Available for Insured ages 0-65; not available on Guaranteed Issue policies.
Children's Term Insurance Rider	Annual Policy Anniversary
Disability Waiver	Annual Policy Anniversary	Available for insured ages 0-60.
Purchase Additional Insurance Rider	Annual Policy Anniversary	Available with $25,000 minimum base face amount for risk class rating through Table F for insured ages 0-85
Rider/Benefit Cancellations:
Accidential Death Benefit	Earlier of Paid to Date and Current Date
Applicant's Waiver of Premium	Earlier of Paid to Date and Current Date
Children's Term Insurance Rider	Earlier of Paid to Date and Current Date
Disability Waiver	Earlier of Paid to Date and Current Date
Flex Term Rider	Earlier of Paid to Date and Current Date
Guaranteed Insurability Rider	Earlier of Paid to Date and Current Date
Purchase Additional Insurance Rider	Earlier of Paid to Date and Current Date
Conversion:
Flex Term Rider Conversion	Annual Policy Anniversary	Available to the later of the insured's age 65 or the first 10 policy years.
Risk class improvements are not available for juvenile policies with issue ages 0-17. *Face decrease cannot exceed a minimum face amount of $10,000.

Promise Whole Life 120 (PWL 120)

Policy Change Type	Promise Whole Life Portfolio	Other Change Criteria
Risk Classification Improvement*	Annual Policy Anniversary	Risk Classification Improvement changes must be submitted 90 days prior to 90 after the policy anniversary.
Face Decrease:**
Decrease Face without Flex Term Rider	Earlier of Paid to Date and Current Date
Decrease Face with Flex Term Rider	Annual Policy Anniversary
Benefit Increase:
Accidental Death Benefit	Annual Policy Anniversary	Available for Insured ages 0-65; not available on Guaranteed Issue policies.
Rider/Benefit Additions:
Accidental Death Benefit	Annual Policy Anniversary	Available for Insured ages 0-65; not available on Guaranteed Issue policies.
Children's Term Insurance Rider	Annual Policy Anniversary
Disability Waiver	Annual Policy Anniversary	Available for insured ages 0-60.
Purchase Additional Insurance Rider	Annual Policy Anniversary	Available with $100,000 minimum base face amount for risk class rating through Table F for insured ages 0-85
Rider/Benefit Cancellations:
Accidential Death Benefit	Earlier of Paid to Date and Current Date
Applicant's Waiver of Premium	Earlier of Paid to Date and Current Date
Children's Term Insurance Rider	Earlier of Paid to Date and Current Date
Disability Waiver	Earlier of Paid to Date and Current Date
Flex Term Rider	Earlier of Paid to Date and Current Date
Guaranteed Insurability Rider	Earlier of Paid to Date and Current Date
Purchase Additional Insurance Rider	Earlier of Paid to Date and Current Date
Conversion:
Flex Term Rider Conversion	Annual Policy Anniversary	Available to the later of the insured's age 65 or the first 10 policy years.
Risk class improvements are not available for juvenile policies with issue ages 0-17. *Face decrease cannot exceed a minimum face amount of $100,000.

Promise Whole Life Select 10, 20 & 65 (L10, L20 & L65)

Policy Change Type	Promise Whole Life Portfolio	Other Change Criteria
Risk Classification Improvement*	Annual Policy Anniversary	Risk Classification Improvement changes must be submitted 90 days prior to 90 after the policy anniversary.
Face Decrease**	Annual Policy Anniversary
Benefit Increase:
Accidental Death Benefit	Annual Policy Anniversary	Available for Insured ages 0-65; not available on Guaranteed Issue policies.
Rider/Benefit Additions:
Accidental Death Benefit	Annual Policy Anniversary	Available for insured ages 0-65, not available on Guaranteed Issue.
Children's Term Insurance Rider	Annual Policy Anniversary
Disability Waiver	Annual Policy Anniversary	Available for insured ages 0-60.
Purchase Additional Insurance Rider	Annual Policy Anniversary	Available with $100,000 minimum base face amount for risk class rating through Table F for insured ages 0-85
Rider/Benefit Cancellations:
Accidential Death Benefit	Earlier of Paid to Date and Current Date
Applicant's Waiver of Premium	Earlier of Paid to Date and Current Date
Children's Term Insurance Rider	Earlier of Paid to Date and Current Date
Disability Waiver	Earlier of Paid to Date and Current Date
Guaranteed Insurability Rider	Earlier of Paid to Date and Current Date
Purchase Additional Insurance Rider	Earlier of Paid to Date and Current Date
Risk class improvements are not available for juvenile policies with issue ages 0-17. *Face decrease cannot exceed a minimum face amount of $100,000.

Universal Life

This Policy Change content is for following Universal Life, Variable Universal Life & Survivorship Universal Life products issued between 2004 to 2017:

Universal Life:

MetLife Premier Accumulator Universal Life (PAUL)
MetLife Secure Flex Universal Life (CAUL)
MetLife Provider Universal Life (LPUL)
Guaranteed Advantage Universal Life (ULSG 04, ULSG 05)
Current Assumption Universal Life (UAUL)
Guaranteed Advantage Universal Life (GAUL 07, 09, 11 & 12)

Variable Universal Life:

Equity Advantage Variable Universal Life (EAVUL08)

Survivorship Universal Life:

Legacy Advantage Survivorship Universal Life (LASUL 05, 09, 11 & 12)

POLICY CHANGE TYPE	EFFECTIVE DATE	Other Change Criteria
Risk Classification Improvement	Monthaversary
Face Amount Changes:
Face Increase	Monthaversary
Face Decrease*	Monthaversary
Rider/Benefit Additions:
Waiver of Specified Premium	Monthaversary	Available for insured ages 0-60
Rider/Benefit Cancellations:
Waiver of Specified Premium	Monthaversary
Guaranteed Survivor Plus Purchase Option	Monthaversary
Death Benefit Option Change	Monthaversary
*Face decrease cannot exceed a minimum face amount of $50,000.

POLICY CHANGE TYPE	EFFECTIVE DATE	Other Change Criteria
Risk Classification Improvement	Monthaversary
Face Amount Changes:
Face Increase	Monthaversary
Face Decrease*	Monthaversary
Rider/Benefit Additions:
Waiver of Specified Premium	Monthaversary	Available for insured ages 0-60
Rider/Benefit Cancellations:
Waiver of Specified Premium	Monthaversary
Guaranteed Survivor Plus Purchase Option	Monthaversary
Death Benefit Option Change	Monthaversary
*Face decrease cannot exceed a minimum face amount of $50,000.

POLICY CHANGE TYPE	EFFECTIVE DATE	Other Change Criteria
Risk Classification Improvement	Monthaversary
Face Amount Changes:
Face Increase	Monthaversary
Face Decrease*	Monthaversary
Rider/Benefit Additions:
Waiver of Specified Premium	Monthaversary	Available for insured ages 0-60
Rider/Benefit Cancellations:
Waiver of Specified Premium	Monthaversary
Guaranteed Survivor Plus Purchase Option	Monthaversary
Death Benefit Option Change	Monthaversary
*Face decrease cannot exceed a minimum face amount of $50,000.

POLICY CHANGE TYPE	EFFECTIVE DATE	Other Change Criteria
Risk Classification Improvement	Monthaversary
Face Amount Changes:
Face Increase	Monthaversary
Face Decrease*	Monthaversary
Rider/Benefit Additions:
Waiver of Specified Premium	Monthaversary	Available for insured ages 0-60
Rider/Benefit Cancellations:
Waiver of Specified Premium	Monthaversary
Guaranteed Survivor Plus Purchase Option	Monthaversary
Death Benefit Option Change	Monthaversary
*Face decrease cannot exceed a minimum face amount of $50,000.

POLICY CHANGE TYPE	EFFECTIVE DATE	Other Change Criteria
Risk Classification Improvement	Monthaversary
Face Amount Changes:
Face Increase	Monthaversary
Face Decrease*	Monthaversary
Rider/Benefit Additions:
Waiver of Specified Premium	Monthaversary	Available for insured ages 0-60
Rider/Benefit Cancellations:
Waiver of Specified Premium	Monthaversary
Guaranteed Survivor Plus Purchase Option	Monthaversary
Death Benefit Option Change	Monthaversary
*Face decrease cannot exceed a minimum face amount of $50,000.