MetLife Guaranteed Income Program®

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Putting an Immediate Fixed Income Annuity to Work for You

You’ve saved for retirement and now you’re thinking of converting a portion of your retirement assets into a stream of income that you cannot outlive. With the MetLife Guaranteed Income Program offered to you through your employer-sponsored defined contribution plan, you can receive payments that start immediately and last for a lifetime. Plus, the MetLife Guaranteed Income Program works well as part of an overall retirement strategy and can be purchased with only a portion of your plan assets.

MetLife Guaranteed Income The MetLife Guaranteed Income Program In Action Program may be appropriate Mike, age 65, is about to retire and wants to secure for you if you are looking for: an immediate stream of income to help cover some fixed monthly expenses. Mike decides to use a portion • Security of lifetime income – Income of his defined contribution plan balance to purchase payments begin immediately and are a MetLife Guaranteed Income Program annuity for guaranteed to last as long as you or you $100,000. Mike chooses Lifelong Income for You, a payment option that guarantees a monthly payment and a second person live.1 of $655 for life, regardless of how long he lives.

• Dependability of income payments – The below chart shows how the MetLife Guaranteed Income Income is not affected by the financial Program protects Mike from running out of money in retirement. Taking the same $655 monthly withdrawal from traditional investments such as mutual funds, could mean running out of money markets so the income you receive will between the ages of 82 and 88, depending on the fund’s assumed annual earnings rate. never decline, even if the markets do.

At 4% annual earningsearnings rate, the fund runs out at ageage 8282 • Choice of payment types – You can select from a range of payment options At 5% annual earnings rate, the fund runs out at age 84

to meet your needs. At 6% annual earnings rate, the fund runs out at age 88

• Confidence in the company behind Lifelong Annuity Payments are Guaranteed for Life the product – MetLife brings more than 65 70 75 80 85 90 140 years of experience and financial strength to your retirement planning. This is a hypothetical illustration of how a fixed immediate annuity reduces the risk of an individual outliving his or her retirement savings. It is for illustrative purposes only and may not be indicative of income amounts payable under the MetLife Guaranteed Income Program. Note that if the individual died prior to age 88, • Assistance understanding the payments would end under the single-life annuity while there might be funds still remaining in the retirement account. The illustrated annuity payments are based upon the Society of Annuity 2000 Male product – MetLife Income Specialists Mortality table, an interest rate of 5% and no expense load. The illustration does not reflect the effect of taxes. will help you understand the options available to you. Call 1-866-438-6477. Product Details • Minimum Purchase Payment: $5,000 lump-sum payment • Maximum Issue Age: 85 • Income Payment Start Date: within one year of purchase • Income Payment Frequency: monthly, quarterly, semiannually or annually • Income Payment Method: check or direct deposit

Payment Options to • Lifelong Income for YouSM – Guarantees you will receive fixed payments as long as you live. Fit Your Needs2 • Lifelong Income for TwoSM – Guarantees fixed payments to you and another person for life. • Lifelong Income with Guarantee Period – Guarantees income for life with the assurance that should you (or you and another person, with Income for Two) die during your selected period (between 5 and 30 years)3 payments will continue to your beneficiary for the time remaining.

Optional Features for • Return of Premium Guarantee – If you die, this feature ensures that your beneficiary will Added Protection and receive any purchase payments not already paid as income. May be selected with the Lifelong Income payment types.  Flexibility4 • Inflation Protection – Increases payments by a scheduled percentage or based on changes in inflation. • Withdrawal Feature5 – If elected at purchase, allows you to withdraw all or a portion of the value of your annuity, as defined in the contract, during the first two years. Partial withdrawals may be available after the first two years. Withdrawals will reduce your future income payments.

Frequently Asked Questions Why should I consider the MetLife Guaranteed Income Program? I’m not sure I have a large enough retirement savings as it is. The MetLife Guaranteed Income Program can help protect and maximize the retirement savings you have by using a portion of your retirement assets. In exchange for liquidity, you’ll create guaranteed retirement income for life.

I’m concerned about not having access to the principal invested in the MetLife To learn more about the MetLife Guaranteed Income Program if I need it in the future. Guaranteed Income Program If you elect the optional withdrawal feature, you are able to withdraw all or a portion of the value Contact a MetLife Income Specialist at of your annuity, as defined in the contract, during the first two years. Partial withdrawals may be available after the first two years. 1-866-438-6477 What happens to my principal value after I’m gone? Can I pass it on to my beneficiaries? Or log on to Under certain income payout options of the MetLife Guaranteed Income Program, beneficiaries www..com/mybenefits may receive a payment(s) upon your death. Also, the Lifelong Income for Two payment option  covers both your life and the life of another person.

1 All guarantees are based on the claims-paying ability and financial strength of Metropolitan Life Company. 2 For details on your payment options, please contact a MetLife Income Specialist at 1-866-438-6477. 3 The maximum available guarantee period may be limited by IRS regulations. 4  The cost to elect these features is generally higher and the initial payments lower than for payment options selected without these features. Electing these features may also affect the tax calculation in payments received. Please consult your tax advisor. Metropolitan Life Insurance Company 5  Withdrawal feature not available in all states. Withdrawals and certain income payments may be subject to a 10% penalty tax in addition to ordinary income tax if employee is under age 59½ at the time payments are received. For more details on the 200 Park Avenue, New York, NY 10166 withdrawal feature please contact a MetLife Income Specialist at 1-866-438-6477. www.metlife.com Like most annuity contracts, Metropolitan Life Insurance Company annuities have charges and terms for keeping the contract in force. Product availability and features may vary by state.

Policy Form Number: G.2505 Pursuant to IRS circular 230, MetLife is providing you with the following notification: © 2012 METLIFE, INC. PEANUTS © 2012 Peanuts Worldwide The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This brochure CLFA8034 supports the promotion and marketing of MetLife’s annuity products. You should seek advice based on your particular circumstances L0112236349[exp0113][All States][DC] from an independent tax advisor.