Post-Effective Amendment
Filing Table of Contents
Document/Exhibit Description Pages Size
1: 485APOS New England Variable Annuity Separate Account 145 793K
6: COVER ¶ Comment-Response or Cover Letter to the SEC 1 2K
2: EX-99.4(XIX) EX-99.4(XIX) Guaranteed Minimum Death Benefit 8± 29K
Rider Nel-640-1 (4/08)
3: EX-99.4(XXI) EX-99.4(XXI) Guaranteed Minimum Income Benefit 7 35K
Rider-Living Benefit Nel-S60-4(04/08)
4: EX-99.4(XXII) EX-99.4(XXII) Lifetime Guaranteed Withdrawal 8 38K
Benefit Rider Nl-690-4(04/08)
5: EX-99.5(VIII) EX-99.5(VIII) Form of Application Afsapp (Gmdb) 4 32K
(04/08)
‘EX-99.5(VIII)’ — EX-99.5(VIII) Form of Application Afsapp (Gmdb) (04/08)
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New England Financial(R) Administrative Office
A MetLife Company NEW ENGLAND FINANCIAL
PO Box 14594 Des Moines Iowa 50306-3594
NEW ENGLAND LIFE INSURANCE COMPANY
501 Boylston Street, Boston, Massachusetts 02116-3700
VARIABLE ANNUITY APPLICATION TO
American Forerunner Series(R)
Contract Number (if assigned)
No._____________________________________
AMERICAN FORERUNNER SERIES(R) CLASS SELECTION:
Select One Class - If no class is selected, the Standard Class will automatically be chosen.
[ ] STANDARD CLASS [ ] P CLASS [ ] C CLASS [ ] L CLASS [ ] B PLUS CLASS*
*IF B PLUS CLASS IS CHOSEN, PLEASE COMPLETE THE BONUS DISCLOSURE FORM.
1. ANNUITANT AND OWNER(S)
ANNUITANT (Annuitant will be the Owner unless Owner section is completed.)
Name (First, Middle Initial, Last) Gender [ ] M [ ] F Date of Birth
Street Address Social Security #
City, State & ZIP Code E-mail Address Marital Status
Home Telephone # Work Telephone # Relationship to Owner
OWNER - NON-QUALIFIED ONLY (Complete if the Owner is different from the Annuitant.)
Name (First, Middle Initial, Last) TYPE: [ ] Individual [ ] Custodian [ ] Trust** Gender Date of Birth/Trust Date
[ ] Corporation*** [ ] M [ ] F
Street Address Social Security # or Tax I.D. # (TIN)
City, State & ZIP Code E-mail Address Marital Status
Home Telephone # Work Telephone # Relationship to Annuitant
* * Trust ownership is permitted only where the trust is for the benefit of a natural person. If owner is a trust, please
complete the trustee certification form.
*** Ownership by a Corporation is permitted only where an employer is purchasing a SEP, SIMPLE, or Qualified Plan for its employees.
State availability must be verified.
JOINT OWNER - NON-QUALIFIED ONLY
Name (First, Middle Initial, Last) Gender [ ] M [ ] F Date of Birth
Street Address Social Security #
City, State & ZIP Code E-mail Address Marital Status
Home Telephone # Work Telephone # Relationship to Owner
NOTE: If two people are named as Joint Owners, either Owner may exercise any and all rights under the contract unless the Owner
specifies otherwise in writing.
ANNUITY PAYMENTS AND TERMINATION VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT,
ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT.
AFS APP (04/08) 1 GMDB (04/08) eF
VARIABLE ANNUITY APPLICATION
2. PRIMARY AND CONTINGENT BENEFICIARY(IES)
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Beneficiary Type Name (First, Middle Initial, Last) Relationship to Owner Social Security # %
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[ ] Primary [ ] Contingent
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[ ] Primary [ ] Contingent
-------------------------- ---------------------------------- --------------------- ----------------- ---
[ ] Primary [ ] Contingent
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(Note: To be used to determine whom will be paid/assume all rights under the contract on the Owner's death. The Owner's estate will
be paid/assume all rights if no Beneficiary is named. Not applicable to Annuitant's death if the Natural Owner and Annuitant are
different and the Annuitant predeceases the Owner. Payment/assumption will be made in equal shares to the survivors unless otherwise
specified in writing by the Owner. If the primary beneficiaries predecease the Owner, the contingent beneficiaries will be
paid/assume all rights. If more than three beneficiaries are named, attach a separate sheet.)
3. CONTRACT APPLIED FOR:
[ ] Non-qualified [ ] IRA [ ] Roth IRA [ ] SEP [ ] SIMPLE IRA [ ] Qualified Plan__________________________________________
[ ] Decedent IRA [ ] Other_______________________________________
4. PURCHASE PAYMENT(S):
Complete a line for each individual deposit. Select a Payment Method, Payment Type and Source of Funds from the columns below. If
there are more than 5 Purchase payments, attach a separate sheet.
Payment #1 Payment Method:__________________ Payment Type:___________________________ Amount:______________________________________
Source of Funds:__________________________________________________________ Tax Year:____________________________________
Payment #2 Payment Method:__________________ Payment Type:___________________________ Amount:______________________________________
Source of Funds:__________________________________________________________ Tax Year:____________________________________
Payment #3 Payment Method:__________________ Payment Type:___________________________ Amount:______________________________________
Source of Funds:__________________________________________________________ Tax Year:____________________________________
Payment #4 Payment Method:__________________ Payment Type:___________________________ Amount:______________________________________
Source of Funds:__________________________________________________________ Tax Year:____________________________________
Payment #5 Payment Method:__________________ Payment Type:___________________________ Amount:______________________________________
Source of Funds:__________________________________________________________ Tax Year:____________________________________
Payment Methods: Payment Types: Source of Funds:
Check 1035 Exchange Annuity Contract
Wire Transfer Bonds
Draft* Rollover Certificate of Deposit
Contribution Endowment (Maturity Date_____/_____/_____)
Discretionary Income (Salary/Bonus)
Gift from Immediate Relative
Inheritance
Legal Settlement
Life Insurance Policy
Loan
Money Market Account***
Mutual Fund
Pension Assets**
Real Estate
Savings
Stocks
Other
*If new, please complete Electronic Payment Account Agreement
**Generally includes, but not limited to, 401A, 401K, Defined Contribution Plans, Defined Benefits Plans, etc.
***If any mutual funds were liquidated within the past 6 months to fund this money market, you should indicate "mutual funds"
AFS APP (04/08) 2 GMDB (04/08) eF
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5. REPLACEMENT (MUST BE COMPLETED)
(a) DO YOU HAVE ANY EXISTING INDIVIDUAL LIFE INSURANCE OR ANNUITY CONTRACTS? [ ] YES [ ] NO
(If "Yes", applicable disclosure and replacement forms must be attached.)
(b) WILL THE ANNUITY APPLIED FOR REPLACE OR CHANGE ONE OR MORE EXISTING ANNUITY OR LIFE INSURANCE CONTRACTS? [ ] YES [ ] NO
(If "Yes", applicable disclosure and replacement forms must be attached.)
NOTE: Replacement includes any surrender, loan, withdrawal, lapse, reduction in or redirection of payments on an annuity or life
insurance contract in connection with this application.
6. OPTIONAL RIDERS
(AVAILABLE AT THE TIME OF APPLICATION AND MAY NOT BE CHANGED ONCE ELECTED. THERE ARE ADDITIONAL CHARGES FOR THE RIDERS.)
LIVING BENEFIT RIDERS* (CHECK ONLY ONE OR NONE)
[ ] The Predictor(SM), GMIB (Guaranteed Minimum Income Benefit)
[ ] The Predictor Plus(SM) (Guaranteed Minimum Income Benefit Plus) (2008 Version)
[ ] GMAB (Guaranteed Minimum Accumulation Benefit)
[ ] GWB (Guaranteed Withdrawal Benefit)**
[ ] Single Life - MetLife Lifetime Withdrawal Guarantee(TM) (2008 Version)
[ ] Joint Life - MetLife Lifetime Withdrawal Guarantee(TM) (2008 Version)
**GWB is the only living benefit rider available for Decedent IRAs.
DEATH BENEFIT RIDERS* (CHECK ONLY ONE OR NONE)
If no selection is made, the Standard Death Benefit at no additional charge will be provided.
[ ] Annual Step Up (Option 1)
[ ] Enhanced Death Benefit (Option 2) Can only be elected without any living benefit riders, or only with the Predictor
Plus (2008 Version)
OTHER RIDERS*
[ ]EPB (Earnings Preservation Benefit)***
*** If chosen, please complete and sign EPB form.
*All riders may be subject to state availability
7. AUTHORIZATION AND SIGNATURE(S)
(a)IMPORTANT STATE NOTICES:
MASSACHUSETTS RESIDENTS ONLY: The variable annuity for which you are making this application gives us the right to restrict or
discontinue allocations of purchase payments to the Fixed Account and reallocation from the Investment Divisions to the Fixed
Account. This discontinuance right may be exercised for reasons which include but are not limited to our ability to support the
minimum guaranteed interest rate of the Fixed Account when the yields on our Investments would not be sufficient to do so. This
discontinuance will not be exercised in an unfairly discriminatory manner. The prospectus also contains additional information
about our right to restrict access to the Fixed Account in the future. BY SIGNING THIS APPLICATION, I ACKNOWLEDGE THAT I HAVE
RECEIVED, READ AND UNDERSTOOD THE STATEMENTS IN THIS APPLICATION AND IN THE PROSPECTUS THAT THE FIXED ACCOUNT MAY NOT BE
AVAILABLE AT SOME POINT DURING THE LIFE OF THE CONTRACT INCLUDING POSSIBLY WHEN THIS CONTRACT IS ISSUED.
PENNSYLVANIA RESIDENTS ONLY: ANNUITY PAYMENTS OR SURRENDER VALUES, WHEN BASED UPON THE INVESTMENT EXPERIENCE OF A SEPARATE
ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO A FIXED DOLLAR AMOUNT.
(b)STATE FRAUD STATEMENTS:
ARKANSAS, LOUISIANA, AND WEST VIRGINIA RESIDENTS ONLY: Any person who knowingly presents a false or fraudulent claim for
payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and
may be subject to civil fines and confinement in prison.
DISTRICT OF COLUMBIA RESIDENTS ONLY: WARNING: It is a crime to provide false or misleading information to an insurer for the
purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may
deny insurance benefits if false information materially related to a claim was provided by the applicant.
FLORIDA RESIDENTS ONLY: Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement
of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third
degree.
KENTUCKY RESIDENTS ONLY: Any person who knowingly and with the intent to defraud any insurance company or other person files an
application for insurance containing any materially false information or conceals, for the purpose of misleading, information
concerning any fact material thereto commits a fraudulent insurance act, which is a crime.
AFS APP (04/08) 3 GMDB (04/08) eF
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VARIABLE ANNUITY APPLICATION
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7. AUTHORIZATION AND SIGNATURE(S) (CONTINUED)
(b)STATE FRAUD STATEMENTS (CONTINUED):
MAINE, TENNESSEE AND WASHINGTON RESIDENTS ONLY: It is a crime to knowingly provide false, incomplete or misleading information
to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines and denial of
insurance benefits.
NEW JERSEY RESIDENTS ONLY: Any person who includes any false or misleading information on an application for an insurance
policy is subject to criminal and civil penalties.
NEW MEXICO RESIDENTS ONLY: Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or
knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and
criminal penalties.
OHIO RESIDENTS ONLY: A person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer,
submits an application or files a claim containing false or deceptive statement is guilty of insurance fraud.
PENNSYLVANIA RESIDENTS ONLY: Any person who knowingly and with intent to defraud any insurance company or other person files an
application for insurance or statement of claim containing any materially false information or conceals for the purpose of
misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects
such person to criminal and civil penalties.
(c)SIGNATURES:
I hereby represent my answers to the above questions to be correct and true to the best of my knowledge and belief. I have
received New England Life Insurance Company's Privacy Notice, and the current prospectus for the American Forerunner
Series(SM). I UNDERSTAND THAT ALL VALUES PROVIDED BY THE CONTRACT/CERTIFICATE BEING APPLIED FOR, WHICH ARE BASED ON THE
INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO THE AMOUNT. Under the Joint Life
Version of the Lifetime Withdrawal Guarantee, the rider will automatically continue only if the surviving spouse of the Owner,
as of the date of the Owner's death, continues the contract. I understand that there is no additional tax benefit obtained by
funding an IRA or other qualified plan with a variable annuity. I understand that The Internal Revenue Service may take the
position that the use of certain death benefit or living benefit riders may adversely affect the qualification of the IRA
Contract. PLEASE CONSULT THE TAX SECTION OF THE PROSPECTUS FOR FURTHER DETAILS. IF the Owner is a corporation, partnership or
trust, print the name of the Owner and have one or more officers, partners or trustees sign. Earnings in this contract may be
taxable annually to the Owner. (CONSULT YOUR TAX ADVISOR.) I HAVE READ THE STATE FRAUD STATEMENT IN SECTION 7(b) ABOVE
APPLICABLE TO ME.
LOCATION WHERE THE APPLICATION IS SIGNED
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City & State
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Signature of Owner Date
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Signature of Joint Owner Date
8. REPRESENTATIVE INFORMATION
STATEMENT OF REPRESENTATIVE All answers are correct to the best of my knowledge. I have provided the Proposed Owner with New
England Life Insurance Company's Customer Privacy Notice, prior to or at the time he/she completed the application form. I have
also delivered a current American Forerunner Series prospectus; and reviewed the financial situation of the Proposed Owner as
disclosed, and believe that a multi-funded annuity contract would be suitable. I am properly FINRA registered and licensed in
the state where the Proposed Owner signed this application.
(a) Does the applicant have existing life insurance policies or annuity contracts? [ ] YES [ ] No
(If "Yes", applicable disclosure and replacement forms must be attached.)
(b) Do you have reason to believe that the replacement or change of any existing
life insurance policies and annuity contracts may be involved? [ ] YES [ ] NO
(If "Yes", applicable disclosure and replacement forms must be attached.)
NOTE: Replacement includes any surrender, loan, withdrawal, lapse, reduction in or redirection of payments on an annuity or life
insurance contract in connection with this application.
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Signature of Representative Date
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Printed Representative Name Phone # State License I.D. #
AFS APP (04/08) 4 GMDB (04/08) eF
4 Subsequent Filings that Reference this Filing
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