1 To age 100.

2 The current crediting rate on the interest-bearing account is subject to change at any time without notice. Guarantees are backed by the financial strength and claims-paying ability of Metropolitan Life Insurance Company.

3 In general, if the funding of your certificate exceeds certain limits, it will become a “modified endowment contract” (MEC) and become subject to “earnings first” taxation on withdrawals and loans. An additional 10% penalty for withdrawals and loans taken before age 59½ will also generally apply. MetLife will notify you if a contribution would cause your certificate to become an MEC. Withdrawals will reduce the death benefit and cash value and thereby diminish the ability of the cash value to serve as a source of funding for cost of insurance charges, which increase as you age.

4 The Accelerated Benefits Option (ABO) is subject to state regulation and is intended to qualify for favorable federal income tax treatment, in which case the benefits will be excludable from your income and not subject to federal taxation. This information was written as a supplement to the marketing of life insurance products. Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you, your spouse or your family.

5 Coverage is subject to review and approval by MetLife based upon its underwriting rules.

6 Outstanding loan amounts do not participate in the investment performance of the variable investment options and may have a permanent effect on certificate values and benefits.

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