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Shield Level Selector

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1 Diversification does not ensure a profit or protect against a loss.

2 Conservative investments have varying levels of risks, and contain different features and guarantees.

3 The S&P 500® Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by MetLife Insurance Company USA and Metropolitan Life Insurance Company. Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by MetLife Insurance Company USA and Metropolitan Life Insurance Company. MetLife Insurance Company USA and Metropolitan Life Insurance Company's MetLife Shield Level SelectorSM Annuity is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

4 The Russell 2000® Index is a trademark of Russell Investments and has been licensed for use by MetLife Insurance Company USA and Metropolitan Life Insurance Company. The MetLife Shield Level SelectorSM Annuity is not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in the MetLife Shield Level SelectorSM Annuity.

5 Nasdaq®, OMXTM , and NASDAQ-100 Index®, are registered trademarks of The NASDAQ OMX Group, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by MetLife Insurance Company USA and Metropolitan Life Insurance Company. The MetLife Shield Level SelectorSM Annuity has not been passed on by the Corporations as to its legality or suitability. The MetLife Shield LevelSelectorSM Annuity is not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE METLIFE SHIELD LEVEL SELECTORSM ANNUITY.

6 The MetLife Shield Level SelectorSM Annuity is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such products or securities or any index on which such products or securities are based. The MetLife Shield Level SelectorSM Prospectus contains a more detailed description of the limited relationship MSCI has with MetLife Insurance Company USA and Metropolitan Life Insurance Company and any related products.

7 “Bloomberg®” and “Bloomberg Commodity IndexSM” are service marks of Bloomberg Finance L.P. and its affiliates (collectively, “Bloomberg”) and have been licensed for use for certain purposes by MetLife Insurance Company USA and Metropolitan Life Insurance Company. Neither Bloomberg nor UBS Securities LLC and its affiliates (collectively, “UBS”) are affiliated with MetLife Insurance Company USA, and Metropolitan Life Insurance Company, and Bloomberg and UBS do not approve, endorse, review, or recommend MetLife Shield Level SelectorSM. Neither Bloomberg nor UBS guarantees the timeliness, accurateness, or completeness of any data or information relating to Bloomberg Commodity IndexSM.

8 Step Rates and Maximum Growth Opportunity rates vary depending on the term and Shield Option you choose and are determined every two weeks. To view the current Step Rates and Maximum Growth Opportunity rates, please visit www.metlife.com/shield.

9 In order to elect the optional Return of Premium Death Benefit, you must be age 72 or younger at time of purchase.


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.”


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

 
 
 
 
 
 

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