If you need
to take income,
you can still
protect your legacy
Life can be unpredictable. You would like to know that if your
circumstances or those of your family were to change, you
and your loved ones will be taken care of. With a MetLife
variable annuity and the optional Guaranteed Minimum
Income Benefit Max (GMIB Max) living benefit and Enhanced
Death Benefit Max (EDB Max), there are no competing
priorities. You can have a retirement plan that will take
care of your retirement income needs today and help
protect your loved ones in the future.
© 2012 METLIFE, INC.
PEANUTS © 2012 Peanuts Worldwide
CLVA7772-1
L1111223194[0213]
MSA110640
For more information or to see if a MetLife variable annuity with the optional GMIB Max and EDB Max is right for you,
contact your financial professional today.
Please note: If you need to take RMDs from your qualified contract or IRA, we recommend you enroll in the MetLife Automated
RMD program or service, although it is not required. The RMD amount referenced only pertains to qualified contracts and only to
RMDs associated with this contract. The RMD amount is the greater of this year’s or last year’s RMD. See prospectus for details.
* An optional step-up occurs because the account value exceeds the current year’s 5% Compounding income/benefit base on
a contract anniversary. If a step-up occurs, the income/benefit base will increase and thus the total fee for the benefits (a
percentage of the income/benefit base) will also increase. Also, upon a step-up, we may increase the annual charge, not to
exceed the charge applicable to current annuity purchasers of the same benefit. Maximum allowable charge for both benefits is
1.50%. There is another component of the benefit
s, known as the Highest Anniversary Value (HAV) income/benefit base, which is
not discussed here. For the GMIB Max, the HAV income base doesn’t reset the 10 year waiting period to begin lifetime payments
and doesn’t increase the annual charge upon reset. For the EDB Max, the HAV benefit base doesn’t increase the annual charge
upon reset. See prospectus for details.
1 Please choose an initial investment amount that is appropriate for your particular circumstance. Maximum investment of up to
$1 million, without prior company approval.
2 If the account value goes to zero, we will automatically begin the lifetime payout phase under the GMIB Max. If this occurs, you
may receive more or less than the 5% withdrawal amount, you will no longer have a death benefit or account value and will no
longer be invested in the market. GMIB Max income payments are determined using conservative GMIB Max annuity rates.
3 The GMIB Max and EDB Max are referred to as GMIB Max III and EDB Max III in the prospectus.
4 The Protected Growth Strategy portfolios seek to build your assets over time by providing better protection against extreme
market swings. Although you may have less risk from market downturns, you may also have less opportunity to
benefit from
market gains. The port
folios do not ensure a profit or prevent loss and may not be appropriate for all investors. There is
no guarantee that these portfolios will achieve their stated investment objectives. See your financial professional and the
prospectus for details.
Under the Internal Revenue Code (“IRC”), spousal continuation and certain distribution options are available only to a person
who is defined as a “spouse” under the Federal Defense of Marriage Act or any other applicable Federal law. All contract
provisions will be interpreted and administered in accordance with the requirements of the IRC. Therefore, under current
Federal law, a purchaser who has or is contemplating a civil union or same-sex marriage should note that the favorable
tax treatment afforded under Federal law would not be available to such same-sex partner or same-sex spouse. Same-sex
partners or spouses who own or are considering the purchase of annuity products that provide benefits based upon status
as a spouse should consult a tax advisor.
With the GMIB Max, it is important to be aware that annual dollar-for-dollar withdrawals made before the benefit is exercised
can potentially be greater than the guaranteed income stream that is ultimately realized under the benefi
t. In particular, if you
take withdrawals on a dollar-for-dollar basis and the account value goes to zero or you annuitize under the GMIB Max, the
lifetime income stream could go down depending on your current age.
If you elected the GMIB Max with your variable annuity contract, you can take annual dollar-for-dollar withdrawals and still
maintain the GMIB Max income base at least equal to the initial purchase payment. However, a guaranteed lifetime income
amount is not established under the GMIB Max until you exercise the benefit through annuitization and begin receiving the
immediate annuity payments. That guaranteed lifetime income amount is calculated by
applying conservative GMIB Max
annuity payout rates to the income base, and it depends on age and the amount of the income base. The annual amount of
guaranteed lifetime income from the GMIB Max may be higher or lower than the annual dollar-for-dollar withdrawal amounts
previously received.
Investment Performance Is Not Guaranteed.
This material must be preceded or accompanied by a prospectus for variable annuities issued by MetLife
Investors USA Insurance Company and Metropolitan Life Insurance Company. Prospectuses for the
investment portfolios are available from your financial professional. The contract prospect
us 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 li
ving and death benefits.
Variable annuities are long-term investments designed for retirement purposes. MetLife variable annuities
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,
it may be worth more or less than its original value. All contract and rider guarantees, including optional
benefits and annuity payout rates, a
re 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
c
omplete 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. Withdrawals will reduce the living and death benefits and
account value. Withdrawals may be subject to withdrawal charges.
Pursuant to IRS Circular 230, MetLife is providing you with the following notification: 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. You should seek advice based on
y
our particular circumstances from an independent tax advisor.
MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this
document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is
subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer
may vary depending on the facts and circumstances. You should consult with and rely on your own independent legal and tax
advisors regarding your particular set of facts and circumstances.
Variable annuities, other than Preference Premier
®
, are issued by MetLife Investors USA Insurance Company; 5 Park Plaza,
Suite 1900, Irvine, CA 92614 on Policy Form Series 8010 (11/00). The Preference Premier variable annuity is issued by
Metropolitan Life Insurance Company on Policy Form PPS (07/01); 200 Park Avenue, New York, NY 10166 and is offered
through MetLife Securities, Inc. and New England Securities Corporation; both at 1095 Avenue of the Americas, New York, NY
10036. All products are distributed by MetLife Investors Distribution Company; 5 Park Plaza, Suite 1900, Irvine, C
A 92614.
All are MetLife companies. January 2012
• Not A Deposit • Not FDIC-Insured • Not Insured By Any Federal Government Agency
• Not Guaranteed By Any Bank Or Credit Union • May Go Down In Value
