Annuities

Annuities

If you're looking ahead to your retirement years, you may want to consider an annuity as part of your overall strategy. Annuities were designed to help you save, grow and protect your retirement assets, as well as provide a stream of steady income payments that will last as long as you live.

What type of annuity is right for you?

Variable Annuities

What if you could grow and help protect your retirement income?

You can, by investing in a variable annuity with an optional living benefit rider as part of your overall retirement strategy. That’s because a variable annuity is part investment, part insurance.

Potentially grow your income

When you invest in a variable annuity, you can allocate your money among a variety of investment options (similar to mutual funds) that have the potential to grow, tax-deferred.* That’s the investment part.

Help protect your income

Variable annuities are also part insurance – and include optional benefits with guarantees, the ability to generate lifetime income and the ability to pass assets on to loved ones via a death benefit.

By electing an optional benefit, you can maximize and help protect your retirement income. You may consider electing an optional benefit, for an additional annual fee, in order to get:

Protection from market declines

• The ability to take immediate withdrawals and also guarantee a stream of lifetime income later, regardless of market conditions

Lifetime income

Larger withdrawals if the market performs well or if you don’t need withdrawals immediately

• The ability to stay invested in the market even while taking withdrawals


* 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.

Guarantees apply to certain insurance and annuity products (not securities, variable or investment advisory products) including optional benefits, and are subject to product terms, exclusions and limitations and the insurer’s claims-paying ability and financial strength.

Investment Performance Is Not Guaranteed.

Prospectuses for variable annuities issued by a MetLife insurance company, and for the investment portfolios offered thereunder, are available from your financial professional. The contract prospectus contains information about the contract’s features, risks, charges and expenses. Investors should consider the investment objectives, contract features, 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 living 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 product guarantees, including optional benefits, are based on the claims-paying ability and financial strength of the issuing insurance company. 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. 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 your 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 PremierSM, Preference Plus Select® and American Forerunner Series®, are issued by MetLife Investors USA Insurance Company on Policy Form Series 8010 (11/00); 5 Park Plaza, Suite 1900, Irvine, CA 92614 and in New York, only by First MetLife Investors Insurance Company on Policy Form Series 6010 (02/02); 200 Park Avenue, New York, NY 10166. The Preference Premier and Preference Plus Select variable annuities are issued by Metropolitan Life Insurance Company on Policy Form Series PPS (07/01); 200 Park Avenue, New York, NY 10166. Preference Premier is offered through MetLife Securities, Inc. and New England Securities Corporation; both at 1095 Avenue of the Americas, New York, NY 10036 and the Preference Plus is offered through MetLife Securities, Inc. The American Forerunner Series is issued by New England Life Insurance Company on Form V05/01; 501 Boylston Street, Boston, MA 02116 and is distributed by New England Securities Corporation. New England Financial is a service mark of New England Life Insurance Company. All products, other than American Forerunner Series, are distributed by MetLife Investors Distribution Company; 5 Park Plaza, Suite 1900, Irvine, CA 92614. All are MetLife companies.

Fixed Annuities

Imagine investing for the future, knowing your principal is safe and your future income predictable.

With a fixed annuity, you can have both safety and predictability.

When you purchase a fixed annuity, your principal is safe and you’ll earn a guaranteed rate of return. Once you decide you need income, you can convert your annuity assets into a stream of fixed income payments that will last as long as you live.

Is a fixed annuity a good choice for you?

Only you and your financial professional can decide that for sure. But here are a couple of questions that might give you an idea…

• Will you need income payments that you cannot outlive?

• Do you worry when the stock market falls?

• Do you prefer to know that your investments are making money, even if it’s only a little money?

If you answered “yes” to all of these questions, you may want to consider adding a fixed annuity to your overall financial strategy. Contact your financial professional to discuss it further.


MetLife Fixed Annuities, like all annuities, are insurance products and are not insured by the FDIC, the NCUSIF or any other government agency, nor are they guaranteed by, or the obligation of, the financial institution that sells them. All MetLife Fixed Annuity product guarantees are made solely by the issuing insurance company. The payment of principal and interest, therefore, depends solely on the issuing insurance company’s claims-paying ability and financial strength.

Withdrawals may be subject to withdrawal charges and interest adjustment. 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.

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 your 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.

Fixed annuities other than Preference Flex Select and Preference Guaranteed Select are issued by MetLife Investors USA Insurance Company on Policy Form Series 8210 (01/02) and in New York, only by First MetLife Investors Insurance Company on Policy Form Series 6210 (01/02). Preference Flex Select and Preference Guaranteed Select are issued by Metropolitan Life Insurance Company on Policy Form Series ML-FPDA (1/3/07) and ML-1210 (01/02), respectively, and are offered through MetLife Securities, Inc., New York, NY and New England Securities Corporation, Boston, MA. All are MetLife companies.

Income Annuities

What if an income annuity could maximize your spending power by creating more income with fewer assets?

By putting only a small portion of your assets into an income annuity, you may generate more income than you could on your own. Plus, you can help manage market fluctuations and receive a guaranteed stream of income that you can use to cover basic expenses for the rest of your life. This could free up other financial resources, so you can do more of the things you enjoy.

Income annuities can either be:

Immediate – your income starts as soon as you buy the annuity; or

Deferred – your income starts at some later date.

Either way, income lasts as long as you live, guaranteed.

When would I use an immediate income annuity?

Immediate income annuities are often purchased by individuals who are retired and need income that starts right away. They may use it to cover fixed or regular expenses.

What if I want a “safety net” of income for later in life?

A deferred income annuity (sometimes called a longevity annuity) is a way to maximize your retirement assets. You can purchase one with a small portion of your assets…and get significant lifetime income payments at a specific time later in life.

Take a look at how much more income you may get the longer you wait by purchasing an income annuity such as the MetLife Investors Longevity Income Guarantee (LIG)SM,1 sooner and waiting to take LIG income.

With each purchase payment made to LIG, you are “buying” a future lifetime income stream at today’s rates.2 This allows you to determine, up-front, how much income you’ll receive beginning at a specific point in the future, based on how much money you put into the contract and when. You can fund your LIG contract with a lump sum or with incremental purchase payments.3

By purchasing LIG sooner and waiting to take income, you can receive more LIG income.

Learn more about the Longevity Income Guarantee product.

Knowing how much income you’ll receive later in life may give you the confidence and the opportunity to take more income from your other investments earlier in retirement.


1 Flexible Access Version guarantees a fixed amount of monthly income that starts in the future and lasts as long as you live (or as long as both you and your spouse or partner lives). LIG annuity purchase rates are based on interest rates, expense and life expectancy assumptions.

2 LIG annuity purchase rates are based on interest rates, expense and life expectancy assumptions.

3 $2,500 minimum for initial purchase payment. $500 minimum for additional contributions. Total purchase payments of $1,000,000 or more require prior company approval.

Product availability and features may vary by state.

The Longevity Income Guarantee annuity, like all annuities, is an insurance product and is not insured by the FDIC, the NCUSIF or any other government agency, nor is it guaranteed by, or the obligation of, the financial institution that sells it. All guarantees depend solely on the issuing insurance company’s claims-paying ability and financial strength. Annuities have limitations, exclusions, termination provisions and terms for keeping them in force. Please consult your financial professional for complete details.

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 your 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.

The MetLife Investors Longevity Income Guarantee is issued by MetLife Investors USA Insurance Company on Policy Form Number MLIUPIB-1 and in New York, only by First MetLife Investors Insurance Company on Policy Form Number FMLI-PIB-1 (collectively and singly, MetLifeInvestors). The MetLife Longevity Income Guarantee is issued by Metropolitan Life Insurance Company on Policy Form Number ML-PIB-1.