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How It Works

Shield Level Selector

MetLife Shield Level SelectorSM lets you customize your level of protection from among the available Shield Options , which may be able to help you regain confidence in your long-term plan.*


How It Works

Explore Some Examples

Your Account Value only has the potential to grow up to a pre-determined percentage, called your Maximum Growth Opportunity or Step Rate. Maxium Growth Opportunity is referred to as "Cap Rate" in the contract and prospectus.


** Shield 100 is not available in CA, NY, or TX

Explore Some Examples

* Source: Shield Level Selector Optimization and Messaging Study, MetLife U.S. Market Intelligence, November 2012.

Please note: The Maximum Growth Opportunity will vary depending on the level of protection, index and term selected. 

Your account value will be reduced by any negative index performance beyond your elected level of protection. So if you do not elect Shield 100, you could conceivably see a risk of substantial loss if the index declines more than your level of protection.

Please note: The Maximum Growth Opportunity and Step Rate accrue each day throughout the term for each Shield Option.  The level(s) of protection for Shield 10, Shield 15 and Shield 25 accrue each day throughout the term, while the Shield 100 level of protection is fully accrued at the beginning of the term.  The Maximum Growth Opportunity and Step Rates will vary depending on the level of protection, index and term selected, and are determined every two weeks.

The Fixed Account is not available in all states. Please contact your financial professional for details.


The prospectus for the MetLife Shield Level SelectorSM annuity issued by a MetLife insurance company (MetLife) is available from MetLife. The contract prospectus contains information about the contract’s features, risks, charges and expenses. Clients should read the prospectus 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 optional Return of Premium Death Benefit. MetLife reserves the right to substitute any index at any time.

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 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 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. 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 that is generally imposed interest, dividends, and annuity income if your modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the living and death benefits and account value. Withdrawals may be subject to withdrawal charges.

MetLife Shield Level Selector Single Premium Deferred Annuity is issued by MetLife Insurance Company USA on Policy Form L-22494 (09/12) and in New York, only by Metropolitan Life Insurance Company on Policy Form ML-22494 (09/12) (collectively and singly, “MetLife”). This product is distributed by MetLife Investors Distribution Company (member FINRA). All are MetLife companies. www.metlife.com/shield

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In the Prospectus, Maximum Growth Opportunity is referred to as “Cap Rate.”


For New York Only

New Contract Rates (NY)
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In the Prospectus (NY), Maximum Growth Opportunity is referred to as “Cap Rate.”

 
 
 
 
 
 

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