These fees and charges mentioned above do not include investment management fees and other expenses of the funding options under the certificate. For more information please refer to the:
- Initial Summary Prospectus (“ISP”) - which is provided to clients at point of sale.
- The Updating Summary Prospectus (“USP”)which is provided to in-force clients as part of their annual prospectus mailing.
- Statutory Prospectus (full prospectus) is available for more detailed inquiries.

The information contained in this document is intended to be informational in nature and should not be considered a recommendation or individualized advice.

This product is a long-term investment designed for retirement purposes.

^1. No investment strategy can guarantee a profit or protection against a loss. Only one investment strategy may be in effect at a time.

^2. Income payments which guarantee payments for a specific time period are usually smaller than those which have no such guarantee. Also, guarantee periods that are shorter usually produce larger payments than those that have longer guarantee periods.

^3. Ordinary income taxes generally apply at withdrawal. Withdrawal charges may also apply. Withdrawals prior to age 591/2 before separation of service are generally prohibited. Where allowed, distributions of taxable amounts are generally subject to ordinary income taxes and, if made before 591/2, may be subject to a 10% federal income tax penalty. In the case of 457(b) governmental plans, the 10% federal income tax penalty may apply to distributions of amounts rolled over from another type of qualified retirement plan or IRA. Individuals should consult with their tax advisor to determine whether an exception to these tax rules may apply. Withdrawals reduce the death benefits.

^4. There is no additional tax deferral advantage to funding a qualified retirement plan with an annuity such as PPA. All accounts under qualified plans, including section 403(b) plans and IRAs, are eligible for tax deferral. There should be reasons other than tax deferral, such as the opportunity for lifetime payouts and the other benefits offered under the PPA certificate, for purchasing an annuity certificate under the qualified retirement plan. 

^5. While the investment divisions and their comparably named portfolios may have names, investment objectives and management which are identical or similar to publicly available mutual funds, these portfolios are not those mutual funds. The portfolios most likely will not have the same performance experience as any publicly available mutual fund.

^6. Distributions to individuals who are not the surviving spouse of the employee (or IRA owner), disabled or chronically ill individuals, individuals who are not more than 10 years younger than the employee (or IRA owner), or child of the employee (or IRA owner) who has not reached the age of majority, are generally required to be distributed by the end of the tenth calendar year following the year of the employee or IRA owner’s death.

^7. No investment strategy can guarantee a profit or protect against a loss. Only one investment strategy may be in effect at a time. The Equity Generator and the Allocator are dollar cost averaging strategies that involve continuous investment in securities regardless of fluctuating price levels. Participants should consider their ability to continue purchases through periods of low price levels. The Equity Generator will automatically be discontinued if the Fixed Interest Account balance at the time of a scheduled transfer is zero. Direct investment into an index is not possible. Certain models in this strategy may be more volatile than other MetLife Automated Investment Strategies. We will continue to implement the Index Selector strategy using the percentage allocations of the model that have been in effect. These percentage allocations will not change. Individuals should consider whether it is appropriate for them to continue this strategy over time if their risk tolerance, time horizon, or financial situation changes. This strategy may experience more volatility than other strategies. The asset allocation models used in the Index Selector may change from time to time. Individuals should speak with their plan administrator for an updated model.

^8. Individuals may be able to realize lower aggregate expenses by investing directly in the underlying portfolios rather than investing in the Asset Allocation Portfolios.

Preference Plus^® Account variable annuity products are offered by prospectus only. Individuals should carefully read the product prospectus and consider the product’s features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlying funding options. This and other information is available in the prospectus, which individuals should read carefully before investing. Product availability and features may vary by state. All product guarantees, including optional benefits, are subject to the financial strength and claims-paying ability of Metropolitan Life Insurance Company

Like most annuity certificates, MetLife’s certificates contain charges, limitations, exclusions, holding periods, termination provisions and terms for keeping them in force.

MetLife and/or its affiliates (“MetLife”) receive fees for providing administrative and recordkeeping services. The fees may be deducted directly from the Participant’s account, be paid for by the Employer, be paid from the Plan assets and/or paid from the fees deducted from Participant account values allocated to the mutual funds available under the Plan. The fees can vary based upon the mutual funds that are available in the Plan and Plan Participants’ asset allocations. Because different mutual funds pay different rates of compensation and rates of mutual fund compensation are subject to change from time to time, compensation received by MetLife varies based on the rates of compensation in effect from time to time. MetLife may receive a finder’s fee from certain fund companies, which is additional compensation to MetLife. MetLife may also impose separate transactional fees for certain Participant elected transactions that will be charged directly to Plan Participants unless paid by the Employer or the Plan. MetLife may increase the annual administrative service fee charged to Participants’ accounts. MetLife may also pay a portion of the fees it collects to an entity that is designated as a directed trustee or directed custodian of the Plan; or to a third party administrator, or third party investment advisor. MetLife may receive payments for administrative services provided under the third party investment advisory services. MetLife also receives compensation for administrative services on annuities that are issued by unaffiliated insurance companies. MetLife also receives fees with respect to annuities it issues, according to the terms of the annuity contracts and prospectuses, if applicable. If you would like more information on the compensation that MetLife receives, contact your Employer. MetLife may realize a profit from any of the fees described above.

The purchase of an annuity through an employer retirement plan does not provide additional tax deferral benefits beyond those already provided through the retirement plan. Individuals should consider the annuity for its death benefit, annuity options and other non-tax related benefits

If you are buying a variable annuity to fund a qualified retirement plan or IRA, you should do so for the variable annuity’s features and benefits other than tax deferral. In such cases, tax deferral is not an additional benefit of the variable annuity. References throughout this material to tax advantages, such as tax deferral and tax-free transfers, are subject to this consideration.

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.

Preference Plus Account variable annuity is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166, and distributed by MetLife Investors Distribution Company (member FINRA). Both are MetLife companies. Policy Form number G4333-7.

Distributions of 401(k), 403(b) or 457(b) salary reduction contributions allocated to an account, and any earnings on such contributions, are generally not permitted prior to attaining normal retirement age under the retirement plan except under certain circumstances, such as an individual’s severance from employment with the employer sponsoring the plan or the individual’s death, disability or hardship (or 457(b) unforeseeable emergency) as permitted by the plan. Distributions of contributions and any earnings may also be restricted as defined in the plan documents. Contact the plan administrator to determine when and under what circumstances the individual may request a distribution from the plan.