LIFE TERM. Guaranteed Level Term. Protection. Flexibility. Value.

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1 LIFE TERM Guaranteed Level Term Protection. Flexibility. Value.

2 Life. your waysm Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance protect and transfer wealth now and in the future. Be free to live life, your way. Being able to protect your loved ones, even after your death, is one reason so many people turn to life insurance. The comfort this assurance gives can be immeasurable. Life Insurance provides a death benefit that can be used to help: Replace lost income Pay off a mortgage Pay for funeral and estate settlement costs Provide for a child s college education Create a financial legacy for the next generation Help transition a business

3 Guaranteed Level Term is designed to deliver financial protection when it s needed most. Choose from one of four duration periods for your coverage 10, 15, 20 or 30 years. 4 Your premiums and death benefit are guaranteed to remain level for the entire period. GLT offers guaranteed convertibility to a wide range of permanent product solutions offered by MetLife and affiliate companies. Over the course of your lifetime, circumstances are likely to change and the guaranteed convertibility of GLT allows your term coverage to be converted to a permanent product without any medical examination or questions at your original health rating for GLT. Conversions are available during the entire level period chosen up to age 70. There are many reasons to take advantage of the conversion privilege. For example: IF your health changes or you become uninsurable, having the option to continue coverage on a permanent basis IF you want to buy a permanent policy that will allow you to build cash value to supplement your retirement income 5 IF you inherit or build significant wealth and need to plan for the possibility of transfer taxes and estate settlement costs IF you take on debt later in life to pay for a child s or grandchild s college education or buy a vacation home GLT offers a simple solution with PROTECTION, FLEXIBILITY AND VALUE. PROTECTION. With guarantees of level premium, death benefit and conversion you will feel assured knowing your life insurance protection is secure. GLT is issued by MetLife Investors USA Insurance Company and in New York only by First MetLife Investors Insurance Company, wholly owned subsidiaries of MetLife, Inc. FLEXIBILITY. Choose the appropriate length of coverage for your specific insurance needs and have the added flexibility of converting the policy to permanent coverage or adding an optional rider to enhance the coverage for your future needs. VALUE. GLT premiums are typically affordable at all available ages, 6 particularly when compared to other life insurance policies. For more information on MetLife s GLT, contact your financial professional today year term not available in all states. 5 Tax-free distribution assumes that the life insurance policy is properly structured and not classified as a Modified Endowment Contract (MEC). Withdrawals are made up to the cost basis and policy loans thereafter. If the policy is a MEC, cash value is taxable upon withdrawal and if withdrawn before age 59½, a 10% federal income tax penalty may apply. If a policy should lapse or be surrendered prior to the death of the insured, there may be significant tax consequences. Loans and withdrawals will decrease the cash value and death benefit. Investments in variable life insurance are subject to market risk including loss of principal. 6 Pricing will vary based on age and health insurance rating. There are limitations on the availability of rating classes based on age, amount of coverage and issue state.

4 If you re like most people, you probably feel you have a responsibility to protect those who depend on you. Even so, many Americans recognize that they don t have enough life insurance in place for their families. As a result, many people make the passive decision to do nothing leaving their families financial futures at risk. If you re unsure about how to make the best financial decisions for your family, your financial professional and MetLife can help. MetLife has developed an innovative process that can Which type of life insurance is right for you? Your financial professional can help you make the best decisions about your life insurance portfolio and what policy or policies may best suit your particular circumstances. help you focus on your life s most important financial objectives. Your financial professional can walk you through the MetLife Life Insurance Selector SM a brief questionnaire that will help you understand the options that are available so that you can choose the most appropriate life insurance coverage for your situation.

5 Term Life. Term insurance is generally the most economical type of life insurance. Term insurance offers death benefit protection for your beneficiaries for the specified coverage term you select. Once the term is over, coverage will expire unless it is renewed. 1 All term insurance policies are not created equal. While it may be tempting to focus solely on price when comparing policies, look deeper to ensure that your policy provides value for your premium dollars. Does the policy offer conversion to a complete portfolio of permanent products including whole life? This could be an important factor should your health change during the course of the original term period. Does the policy feature a Convertible Disability Waiver of Premium rider that will automatically include a waiver of premium benefit on converted policies without further evidence of insurability? Another important question is, does the company backing the policy offer strength, stability and a history of delivering on their promises? Guaranteed Level Term (GLT) offers optional riders designed to help enhance the value of the coverage making it more flexible for many of life s changing circumstances. OPTIONAL RIDERS 2 Disability Waiver of Premium Rider Policy premiums will be waived if the insured becomes disabled as defined in the policy. Convertible Disability Waiver of Premium Rider In addition to waiving premiums, this rider allows a converted permanent plan to include a disability waiver with no additional underwriting. 3 Acceleration of Death Benefit Rider Provides a benefit if the insured is certified as terminally ill with no more than 12 months remaining to live. The rider gives you the right to request all or part of the eligible proceeds. 1 Significantly increased premiums are necessary to renew the policy after the level period. Premiums will increase on an annual basis after level period renewable up to age 95, age 80 in NY. 2 Rider descriptions are only partial. Please request a rider specification page for further details. There may be an additional charge for optional riders. Certain age, availability and state restrictions may apply. 3 If receiving benefits under this rider, the policy can only be converted to Whole Life.

6 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. Guaranteed Level Term is issued by MetLife Investors USA Insurance Company, Irvine, CA on Policy Form Series 5E and in New York, only by First MetLife Investors Insurance Company, New York on Policy Form Series 5E NY. Both are MetLife companies. All guarantees are based on the claims-paying ability and financial strength of the issuing insurance company. December 2010 Term Insurance Products: Not a Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Union MetLife Investors USA Insurance Company 5 Park Plaza, Suite 1900 Irvine, CA First MetLife Investors Insurance Company 200 Park Avenue New York, NY metlife.com CLTM21352 L [1211] 2010 METLIFE, INC. PEANUTS 2010 Peanuts Worldwide