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As Of Filer Filing For·On·As Docs:Size Issuer Filing Agent 4/20/23 Metropolitan Life Sep Account E 485BPOS 5/01/23 11:15M Donnelley … Solutions/FA → Metropolitan Life Separate Account E ⇒ 6 Classes/Contracts |
Document/Exhibit Description Pages Size
1: 485BPOS Preference Plus Account HTML 7.92M
2: EX-99.(L) Consent of Independent Registered Public HTML 7K
Accounting Firm
3: EX-99.(O)(1) Initial Summary Prospectus (Enhanced Preference HTML 564K
Plus Eppa)
4: EX-99.(O)(2) Initial Summary Prospectus (Financial Freedom) HTML 509K
5: EX-99.(O)(3) Initial Summary Prospectus (Preference Plus HTML 562K
Account Bppa)
7: R1 N-4 HTML 2.39M
9: XML IDEA XML File -- Filing Summary XML 13K
8: XML XBRL Instance -- d432039d485bpos_htm XML 2.94M
6: EX-101.SCH XBRL Schema -- metlife-20230419 XSD 388K
10: JSON XBRL Instance as JSON Data -- MetaLinks 109± 123K
11: ZIP XBRL Zipped Folder -- 0001193125-23-107942-xbrl Zip 1.14M
| PREFERENCE PLUS ACCOUNT |
| Under the Securities Act of 1933 |
☒ |
| Pre-Effective Amendment No. |
|
| Post-Effective Amendment No. 53 |
|
| and/or |
|
| |
|
| Under the Investment Company Act of 1940 |
☒ |
| Amendment No. 309 |
|
| ☐ |
immediately upon filing pursuant to paragraph (b) |
| ☒ |
on May 1, 2023 pursuant to paragraph (b) |
| ☐ |
60 days after filing pursuant to paragraph (a)(1) |
| ☐ |
on (date) pursuant to paragraph (a)(1) of Rule 485 under the Securities Act. |
| | |
| If appropriate, check the following box: | |
| ☐ |
this post-effective amendment designates a new effective date for a previously filed post-effective amendment. |
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FEES AND EXPENSES |
LOCATION IN PROSPECTUS | ||
| Charges for Early Withdrawals |
Withdrawal charges are calculated as a percentage of each purchase payment funding the withdrawal during the pay-in phase. A Withdrawal Charge of up to i 7.00% may be assessed on any such purchase payment paid less than i 8
years before the date of the withdrawal. Withdrawal Charge of up to $ i 7,000. |
Withdrawal Charges | ||
| Transaction Charges |
other transactions such as transferring cash value among Divisions and between the Divisions and the Fixed Interest Account. Although we do not currently charge a fee for transfers of cash value among we reserve the right to impose a transfer fee of $25. Account reduction loans will incur a $75 account reduction loan initiation fee. more than two years. We are currently waiving this charge. |
Charges – Transfer Fee | ||
| Ongoing Fees and Expenses (annual charges) |
Fees | |||
| Annual Fee |
Minimum |
Maximum | ||
| investment options chosen) |
i 1.26%(1) |
i 1.26%(1) | ||
| Investment options (Portfolio fees and expenses) |
i 0.28%(2) |
i 1.04%(2) | ||
| (1) Account. The Base Contract Fee includes 0.01% for the Annual annual fee from the Fixed Interest Account at the end of each You do not make purchase payments during the year. For the Keogh Deferred Annuity with individual participant any amounts in the Fixed Interest Account. i (2)
| ||||
| |
could pay each year, based on current charges. This estimate could add Withdrawal Charges that substantially increase costs. |
Fees | ||
| Lowest Annual Cost: |
Highest Annual Cost: | |||
| $ i 1,438 |
$ i 2,076 | |||
| •Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Contract classes and Portfolio fees and expenses •No optional benefits •No sales charges •No additional purchase payments,
transfers or withdrawals |
•Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of Portfolio fees and expenses •No sales charges •No additional purchase payments, transfers or withdrawals | |||
| |
RISKS |
LOCATION IN PROSPECTUS | ||
| Risk of Loss |
Principal Risks of Investing in the Contract | |||
| Not a Short-Term Investment |
for an investor who needs ready access to cash. •Withdrawal Charges may apply up to 8 years following each purchase payment. Withdrawal Charges will reduce the value of •The benefits of tax deferral and living benefit protections also time horizon. |
Principal Risks of Investing in the Contract | ||
| Risks Associated with Investment Options |
investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolios). •Each investment option (including the Fixed Interest Account investment option) will have its own unique risks. investment decision. |
Principal Risks of Investing in the Contract | ||
| Risk of Contract Termination |
Subject to certain limitations, if your Account Value falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Contract. |
Principal Risks of Investing in the Contract | ||
| Insurance Company Risks |
i An investment in the Contract is subject to the risks related to Metropolitan Life including any obligations (including under the which are subject to the claims-paying ability of the Company, and our long term ability to make such payments, and are not company under state law, which generally includes limits on the amount and type of investments in its general account. However, there is no guarantee that we will be able to meet our claims paying obligations; there are risks to purchasing any insurance product. More information
about the Company, including its financial strength ratings, is available upon request by visiting https:// |
Principal Risks of Investing in the Contract | ||
| |
RESTRICTIONS |
LOCATION IN PROSPECTUS | ||
| Investments |
i Although we do not currently charge a fee for transfers of cash value Account, we reserve the right to impose
a transfer fee of $25. We reserve the right to add, remove or substitute Portfolios. The Company also has policies and procedures that attempt to detect and deter frequent transfers in situations where we determine there is a potential for arbitrage trading, and in those instances, there are additional limits that apply to transfers. |
Charges -Transfer Fee Restrictions on Transfers | ||
| |
TAXES |
LOCATION IN PROSPECTUS | ||
| Tax Implications |
implications of an investment in and purchase payments received through a tax-qualified plan or individual retirement account (IRA). |
Federal Tax Considerations | ||
| |
CONFLICTS OF INTEREST |
LOCATION IN PROSPECTUS | ||
| Investment Professional Compensation |
i Your investment professional may receive compensation for selling professional’s firm. This conflict of interest may influence your investment. |
Who Sells the Deferred Annuities and Income Annuities | ||
| i Some investment professionals may have a financial incentive to |
Exchanges/Transfers | |||
| Sales Load Imposed on Purchase Payments |
i None |
| Early Withdrawal Charge (as a percentage of each purchase payment funding the withdrawal during the pay-in phase)(1) |
7% |
| Exchange Fee for Deferred Annuities |
i None |
| Account Reduction Loan Initiation Fee(2) |
$ i 75 |
| Income Annuity Contract Fee(3) |
$ i 350 |
| Transfer Fee(4) |
$ i 25 |
| Premium Tax Charges(5) |
i 3.50% |
| During Purchase Payment Year |
Percentage |
| 1 |
7% |
| 2 |
6% |
| 3 |
5% |
| 4 |
4% |
| 5 |
3% |
| 6 |
2% |
| 7 |
1% |
| Thereafter |
0% |
| Administrative Expenses(1) |
$ i 20 |
| Base Contract Expense(2) (as a percentage of your average Account Value in the Separate Account) |
i 1.25% |
| Annual Account Reduction Loan Maintenance Fee (per loan outstanding) (3) |
$ i 50 |
| |
Minimum |
Maximum |
| i expenses that are deducted from Portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses |
i 0.28% |
i 1.04% |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$ i 9,290 |
$ i 11,559 |
$ i 14,789 |
$ i 25,907 |
| Minimum |
$ i 8,530 |
$ i 9,252 |
$ i 10,901 |
$ i 17,926 |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you do not surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$ i i 2,640 / |
$ i i 7,393 / |
$ i i 12,406 / |
$ i i 26,177 / |
| Minimum |
$ i i 1,880 / |
$ i i 5,091 / |
$ i i 8,528 / |
$ i i 18,221 / |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you annuitize your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$2,290 |
$7,059 |
$12,089 |
$25,907 |
| Minimum |
$1,530 |
$4,752 |
$8,201 |
$17,926 |
| $500 |
= |
50 Accumulation Units |
| $10 |
|
|
| During Purchase Payment Year |
Percentage |
| 1 |
7% |
| 2 |
6% |
| 3 |
5% |
| 4 |
4% |
| 5 |
3% |
| 6 |
2% |
| 7 |
1% |
| 8 & Later |
0% |
| Contract Year* |
Percentage |
| 1 |
20% |
| 2 |
25% |
| 3 |
33 1∕3% |
| 4 |
50% |
| 5 |
Remainder |
| During Purchase Payment Year |
Percentage |
| 1 |
5% |
| 2 |
4% |
| 3 |
3% |
| 4 |
2% |
| 5 |
1% |
| and Beyond |
0% |
| During Transfer Year |
Percentage |
| 1 |
5% |
| 2 |
4% |
| 3 |
3% |
| 4 |
2% |
| 5 |
1% |
| 6 and Beyond |
0% |
| i Name of Benefit* |
i Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
i Brief Description of Restrictions/ Limitations |
| i Standard Death Benefit |
i Guarantees that the death benefit will not be less than the greatest of (1) your Account Value; (2) Your highest Account Value as of December 31 following the end of your
fifth Contract Year and at the end of every other five year period. In any case, less any later partial withdrawals, fees and charges; or (3) the total of all of your purchase payments less any partial withdrawals (including any applicable Early Withdrawal Charge). |
i Standard |
i None |
i •Withdrawals could significantly reduce the benefit. |
| i The Equity Generator®: |
i An amount equal to the interest earned in the Fixed Interest Account is transferred monthly to any one Division based on your selection. |
i Standard |
i None |
i •Benefit limits available investment options. •If your Fixed Interest Account Balance at the time of a scheduled transfer is zero, this strategy is
automatically discontinued. |
| Name of Benefit* |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| i The Equalizer SM: |
i You start with equal amounts of money in the Fixed Interest Account and your choice of either the MetLife Stock Index Division or the Frontier Mid Cap Growth Division. Each quarter,
amounts are transferred between the Fixed Interest Account and your chosen Division to make the value of each equal. |
i Standard |
i None |
i •Benefit limits available investment options. |
| i The Rebalancer®: |
i You select a specific asset allocation for your entire Account Balance from among the Divisions and the Fixed Interest Account, if available. Each quarter we transfer amounts among
these options to bring the percentage of your Account Balance in each option back to your original allocation. |
i Standard |
i None |
i •In the future, we may permit You to allocate less than 100% of your Account Balance to this strategy. |
| Name of Benefit* |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| i The Index Selector®: |
i You may select one of five asset allocation models which are designed to correlate to various risk tolerance levels. Each quarter the percentage in each of the Divisions in which
the model invests and any Fixed Interest Account is brought back to the selected model percentage by transferring amounts among the Divisions and any Fixed Interest Account. |
i Standard |
i None |
i •Benefit limits available investment options. |
| i The Allocator SM: |
i Each month, a dollar amount You choose is transferred from the Fixed Interest Account to any of the Divisions You choose. You select the day of the month and the number of months
over which the transfers will occur. |
i Standard |
i None |
i •Minimum periodic transfer of $50 is required. •Once your Fixed Interest Account Balance is exhausted, the strategy is discontinued. |
| Systematic Withdrawal Program for TSA Deferred Annuities |
Automatically withdraws a specific dollar amount or a percentage of your Account Balance of your choice each Contract Year. |
Standard |
None |
•Only available for TSA deferred annuities. •Not available in all states. •Income taxes, tax penalties and Withdrawal Charges may apply to your withdrawals. •Subject to our required minimums and administrative restrictions.
•Not available in conjunction with any automated investment strategy. |
| i FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i Global Equity |
i American Funds Global Small Capitalization Fund* - Class 2 i Capital Research
and Management CompanySM |
i 0.91% |
- i 29.55% |
i 2.79% |
i 6.84% |
| i US Equity |
i American Funds Growth Fund - Class 2 i Capital Research and Management CompanySM |
i 0.59% |
- i 29.94% |
i 11.14% |
i 13.64% |
| i US Equity |
i American Funds Growth-Income Fund - Class 2 i Capital Research and Management CompanySM |
i 0.53% |
- i 16.50% |
i 7.83% |
i 11.54% |
| i US Fixed Income |
i American Funds The Bond Fund of America* - Class 2 i Capital Research and Management CompanySM |
i 0.46% |
- i 12.58% |
i 0.76% |
i 1.36% |
| i Allocation |
i American Funds® Balanced Allocation Portfolio - Class C i Brighthouse
Investment Advisers, LLC |
i 0.96% |
- i 16.76% |
i 4.29% |
i 6.85% |
| i Allocation |
i American Funds® Growth Allocation Portfolio - Class C i Brighthouse
Investment Advisers, LLC |
i 0.99% |
- i 18.52% |
i 5.17% |
i 8.43% |
| i Allocation |
i American Funds® Moderate Allocation Portfolio - Class C i Brighthouse
Investment Advisers, LLC |
i 0.93% |
- i 14.63% |
i 3.48% |
i 5.54% |
| i International Equity |
i Baillie Gifford International Stock Portfolio* - Class A i Brighthouse Investment
Advisers, LLC Subadviser: i Baillie Gifford Overseas Limited (subsidiary of Baillie Gifford & Co.) |
i 0.73% |
- i 28.60% |
- i 0.23% |
i 4.45% |
| i US Fixed Income |
i BlackRock Bond Income Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i BlackRock
Advisors, LLC |
i 0.38% |
- i 14.15% |
i 0.32% |
i 1.55% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i US Equity |
i BlackRock Capital Appreciation Portfolio* - Class E i Brighthouse Investment Advisers, LLC
Subadviser: i BlackRock Advisors, LLC |
i 0.78% |
- i 37.68% |
i 7.52% |
i 11.50% |
| i Allocation |
i Brighthouse Asset Allocation 100 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.73% |
- i 19.89% |
i 5.44% |
i 8.94% |
| i Allocation |
i Brighthouse Asset Allocation 20 Portfolio* - Class A i Brighthouse Investment Advisers, LLC |
i 0.63% |
- i 12.54% |
i 1.78% |
i 2.96% |
| i Allocation |
i Brighthouse Asset Allocation 40 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.62% |
- i 13.63% |
i 2.82% |
i 4.64% |
| i Allocation |
i Brighthouse Asset Allocation 60 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.65% |
- i 15.17% |
i 3.94% |
i 6.33% |
| i Allocation |
i Brighthouse Asset Allocation 80 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.68% |
- i 17.71% |
i 4.79% |
i 7.79% |
| i US Equity |
i Brighthouse/Artisan Mid Cap Value Portfolio* - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i Artisan Partners Limited Partnership |
i 0.76% |
- i 12.62% |
i 4.82% |
i 8.29% |
| i US Fixed Income |
i Brighthouse/Franklin Low Duration Total Return Portfolio* - Class B i Brighthouse
Investment Advisers, LLC Subadviser: i Franklin Advisers, Inc. |
i 0.72% |
- i 4.74% |
i 0.50% |
i 0.85% |
| i Allocation |
i Brighthouse/Wellington Balanced Portfolio - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i Wellington Management Company LLP |
i 0.52% |
- i 17.08% |
i 5.67% |
i 8.30% |
| i US Equity |
i Brighthouse/Wellington Core Equity Opportunities Portfolio* - Class A i Brighthouse
Investment Advisers, LLC Subadviser: i Wellington Management Company LLP |
i 0.61% |
- i 5.08% |
i 11.45% |
i 12.78% |
| i US Equity |
i Brighthouse/Wellington Large Cap Research Portfolio* - Class A i Brighthouse
Investment Advisers, LLC Subadviser: i Wellington Management Company LLP |
i 0.54% |
- i 19.02% |
i 8.82% |
i 12.46% |
| i Allocation |
i Calvert VP SRI Balanced Portfolio - Class I i Calvert Research and Management |
i 0.64% |
- i 15.41% |
i 6.32% |
i 7.57% |
| i Sector |
i CBRE Global Real Estate Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i CBRE
Investment Management Listed Real Assets LLC |
i 0.79% |
- i 24.89% |
i 1.89% |
i 3.61% |
| i Allocation |
i Freedom 2020 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.73% |
- i 15.97% |
i 3.47% |
i 5.79% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i Allocation |
i Freedom 2025 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.76% |
- i 16.64% |
i 3.84% |
i 6.51% |
| i Allocation |
i Freedom 2030 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.79% |
- i 17.09% |
i 4.34% |
i 7.22% |
| i Allocation |
i Freedom 2035 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.84% |
- i 17.89% |
i 5.12% |
i 8.11% |
| i Allocation |
i Freedom 2040 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.41% |
i 5.62% |
i 8.44% |
| i Allocation |
i Freedom 2045 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.42% |
i 5.63% |
i 8.51% |
| i Allocation |
i Freedom 2050 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.47% |
i 5.61% |
i 8.53% |
| i Allocation |
i Freedom 2055 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.46% |
— |
— |
| i Allocation |
i Freedom 2060 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.38% |
— |
— |
| i US Equity |
i Frontier Mid Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Frontier
Capital Management Company, LLC |
i 0.70% |
- i 28.15% |
i 6.39% |
i 10.57% |
| i International Equity |
i Harris Oakmark International Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i Harris
Associates L.P. |
i 0.87% |
- i 15.93% |
- i 1.85% |
i 4.25% |
| i Global Equity |
i Invesco Global Equity Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Invesco
Advisers, Inc. |
i 0.58% |
- i 31.70% |
i 3.03% |
i 8.05% |
| i US Equity |
i Invesco Small Cap Growth Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i Invesco
Advisers, Inc. |
i 0.96% |
- i 35.11% |
i 4.33% |
i 9.94% |
| i US Equity |
i Jennison Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Jennison
Associates LLC |
i 0.54% |
- i 38.87% |
i 8.40% |
i 13.05% |
| i Allocation |
i Loomis Sayles Global Allocation Portfolio* - Class B i Brighthouse Investment Advisers, LLC
Subadviser: i Loomis, Sayles & Company, L.P. |
i 1.03% |
- i 23.30% |
i 3.95% |
i 6.73% |
| i US Equity |
i Loomis Sayles Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Loomis,
Sayles & Company, L.P. |
i 0.57% |
- i 27.86% |
i 5.54% |
i 10.34% |
| i US Equity |
i Loomis Sayles Small Cap Core Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Loomis,
Sayles & Company, L.P. |
i 0.88% |
- i 15.06% |
i 5.32% |
i 9.89% |
| i US Equity |
i Loomis Sayles Small Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i Loomis, Sayles & Company, L.P. |
i 0.86% |
- i 22.96% |
i 7.75% |
i 11.62% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i US Fixed Income |
i MetLife Aggregate Bond Index Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.27% |
- i 13.09% |
- i 0.18% |
i 0.82% |
| i US Equity |
i MetLife Mid Cap Stock Index Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.29% |
- i 13.26% |
i 6.45% |
i 10.51% |
| i International Equity |
i MetLife MSCI EAFE® Index Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.38% |
- i 14.47% |
i 1.40% |
i 4.39% |
| i US Equity |
i MetLife Russell 2000® Index Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.31% |
- i 20.23% |
i 4.09% |
i 9.00% |
| i US Equity |
i MetLife Stock Index Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.26% |
- i 18.30% |
i 9.16% |
i 12.28% |
| i International Equity |
i MFS® Research International Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Massachusetts
Financial Services Company |
i 0.64% |
- i 17.30% |
i 3.08% |
i 5.02% |
| i Allocation |
i MFS® Total Return Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i Massachusetts
Financial Services Company |
i 0.75% |
- i 9.77% |
i 5.03% |
i 7.23% |
| i US Equity |
i MFS® Value Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i Massachusetts
Financial Services Company |
i 0.71% |
- i 6.10% |
i 7.36% |
i 11.12% |
| i US Equity |
i Morgan Stanley Discovery Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Morgan
Stanley Investment Management Inc. |
i 0.65% |
- i 62.47% |
i 5.73% |
i 8.62% |
| i US Equity |
i Neuberger Berman Genesis Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Neuberger
Berman Investment Advisers LLC |
i 0.80% |
- i 19.15% |
i 7.70% |
i 10.74% |
| i US Fixed Income |
i PIMCO Inflation Protected Bond Portfolio - Class E i Brighthouse Investment Advisers, LLC
Subadviser: i Pacific Investment Management Company LLC |
i 0.92% |
- i 11.73% |
i 1.95% |
i 0.84% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i US Fixed Income |
i PIMCO Total Return Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Pacific
Investment Management Company LLC |
i 0.49% |
- i 14.34% |
i 0.04% |
i 1.07% |
| i Allocation |
i SSGA Growth and Income ETF Portfolio - Class E i Brighthouse Investment Advisers, LLC Subadviser: i SSGA
Funds Management, Inc. |
i 0.69% |
- i 15.26% |
i 3.45% |
i 5.52% |
| i Allocation |
i SSGA Growth ETF Portfolio - Class E i Brighthouse Investment Advisers, LLC Subadviser: i SSGA
Funds Management, Inc. |
i 0.72% |
- i 15.78% |
i 4.24% |
i 6.75% |
| i US Equity |
i T. Rowe Price Large Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i T. Rowe Price Associates, Inc. |
i 0.57% |
- i 40.46% |
i 4.93% |
i 11.29% |
| i US Equity |
i T. Rowe Price Mid Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i T.
Rowe Price Associates, Inc. |
i 0.70% |
- i 22.33% |
i 7.44% |
i 12.18% |
| i US Equity |
i T. Rowe Price Small Cap Growth Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i T.
Rowe Price Associates, Inc. |
i 0.50% |
- i 22.15% |
i 6.11% |
i 11.35% |
| i US Equity |
i Victory Sycamore Mid Cap Value Portfolio* - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i Victory Capital Management, Inc. |
i 0.59% |
- i 2.45% |
i 10.12% |
i 10.43% |
| i US Fixed Income |
i Western Asset Management Strategic Bond Opportunities Portfolio* - Class A i Brighthouse
Investment Advisers, LLC Subadviser: i Western Asset Management Company, LLC (Legg Mason) |
i 0.55% |
- i 16.66% |
i 0.18% |
i 2.19% |
| i US Fixed Income |
i Western Asset Management U.S. Government Portfolio* - Class A i Brighthouse Investment
Advisers, LLC Subadviser: i Western Asset Management Company, LLC (Legg Mason) |
i 0.49% |
- i 9.01% |
i 0.19% |
i 0.68% |
| |
Qualified Deferred and Income Annuities |
Non-Qualified Deferred Annuities and Income Annuities |
| California(1) |
0.5% |
2.35% |
| Colorado |
0.0% |
2.0% |
| Florida(2) |
1.0% |
1.0% |
| Maine(3) |
0.0% |
2.0% |
| Nevada(4) |
0.0% |
3.5% |
| Puerto Rico(5) |
1.0% |
1.0% |
| South Dakota(6) |
0.0% |
1.25% |
| Wyoming(4) |
0.0% |
1.0% |
| 4 | |
| 7 | |
| 9 | |
| 12 | |
| 14 | |
| 16 | |
| 17 | |
| 17 | |
| 18 | |
| 18 | |
| 19 | |
| 19 | |
| 22 | |
| 23 | |
| 23 | |
| 23 | |
| 25 | |
| 26 | |
| 26 | |
| 26 | |
| 27 | |
| 28 | |
| 28 | |
| 31 | |
| 32 | |
| 32 | |
| 34 | |
| 34 | |
| 35 | |
| 37 | |
| 37 | |
| 37 | |
| 40 | |
| 43 | |
| 43 | |
| 48 | |
| 48 | |
| 48 | |
| 48 | |
| 49 | |
| 49 | |
| 49 | |
| 52 | |
| 53 | |
| 53 |
| |
FEES AND EXPENSES |
LOCATION IN PROSPECTUS | ||
| Charges for Early Withdrawal |
Withdrawal charges are calculated as a percentage of each purchase payment funding the withdrawal during the pay-in phase. A Withdrawal Charge of up to 7.00% may be assessed on any such purchase payment paid less than 8 years before the date of the withdrawal. Withdrawal Charge of $ i 7,000. |
Fees | ||
| Transaction Charges |
other transactions such as charges for transferring cash value among Divisions and between the Divisions and the Fixed Interest Account and a premium tax charge. Although we do not currently charge a fee for transfers of cash value among Divisions or between the Divisions and the Fixed Interest Account, we reserve the right to impose a transfer fee of $25. Loans will be charged
an initial set-up fee and a loan maintenance fee. The Account Reduction Loan Initiation Fee is $75.00. The Account Reduction Loan Maintenance Fee is $50.00. |
Fees | ||
| Ongoing Fees and Expenses (annual charges) |
Fees | |||
| Annual Fee |
Minimum |
Maximum | ||
| Base Contract |
i 0.98%(1) |
i 0.98%(1) | ||
| Investment options (Portfolio fees and expenses) |
i 0.28%(2) |
i 1.04%(2) | ||
| i (1) attributable to your Account Balance in the Separate Account. The Base Contract Fee includes 0.03% for the Annual Contract Fee. The Annual Contract Fee is $20 annually and is charged only against amounts in the Fixed Interest Account. The
Annual Contract Fee may be waived under certain circumstances. i (2) | ||||
| |
could pay each year, based on current charges. This estimate could add contingent deferred sales charges that substantially increase costs. |
Fees | ||
| Lowest Annual Cost: |
Highest Annual Cost: | |||
| $ i 1,191 |
$ i 1,846 | |||
| Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive Portfolio fees and expenses •No optional benefits •No sales charges •No additional purchase payments, transfers or withdrawals |
Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive Portfolio fees and expenses •No sales charges •No additional purchase payments, transfers or withdrawals | |||
| |
RISKS |
LOCATION IN PROSPECTUS | ||
| Risk of Loss |
Principal Risks of Investing in the Contract | |||
| Not a Short-Term Investment |
for an investor who needs ready access to cash. •Withdrawal charges may apply for up to 8 years following each purchase payment. Withdrawal charges will reduce the value of beneficial to investors with a long time horizon. |
Principal Risks of Investing in the Contract | ||
| Risks Associated with Investment Options |
investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolios). •Each investment option (including any Fixed Interest Account investment option) will have its own unique risks. investment decision. |
Principal Risks of Investing in the Contract | ||
| Insurance Company Risks |
An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Fixed Interest Account), guarantees, or benefits are subject to the claims-paying ability of the Company, and our long term ability to make such payments, and are not guaranteed by any other party. MetLife is regulated as an insurance company under state law, which generally includes limits on the amount and type of investments in its general account. However, there is no guarantee that we will be able to meet our
claims paying obligations; there are risks to purchasing any insurance product. More information about the Company, including its financial strength ratings, is available upon request by visiting |
Principal Risks of Investing in the Contract | ||
| Risk of Contract Termination |
Subject to certain limitations, if your Account Value falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Contract. |
Principal Risks of Investing in the Contract | ||
| |
RESTRICTIONS |
LOCATION IN PROSPECTUS | ||
| Investments |
i Although we do not currently charge a fee for transfers of cash value Account, we reserve the right to impose
a transfer fee of $25 after We reserve the right to add, remove or substitute Portfolios. The Company also has policies and procedures that attempt to detect and deter frequent transfers in situations where we determine there is a potential for arbitrage trading, and in those instances, there are additional limits that apply to transfers. |
Charges - Transfer Fee Restrictions on Transfers | ||
| |
TAXES |
LOCATION IN PROSPECTUS | ||
| Tax Implications |
implications of an investment in and purchase payments received through a tax-qualified plan or individual retirement account (IRA). |
Federal Tax Considerations | ||
| |
CONFLICTS OF INTEREST |
LOCATION IN PROSPECTUS | ||
| Investment Professional Compensation |
i Your investment professional may receive compensation for selling professional’s firm. This conflict of interest may influence your investment. |
Who Sells the Deferred Annuities and Income Annuities | ||
| i Some investment professionals may have a financial incentive to |
Exchanges/ Transfers | |||
| Sales Load Imposed on Purchases |
None |
| Withdrawal Charge (as a percentage of each purchase payment funding the withdrawal during the pay-in phase)(1) |
7% |
| Exchange Fee for Deferred Annuities |
None |
| Account Reduction Loan Initiation Fee(2) |
$ 75 |
| Transfer Fee(3) |
$ 25 |
| Premium Tax Charges(4) |
3.50% |
| If withdrawn during purchase payment year |
Percentage |
| 1 |
7% |
| 2 |
6% |
| 3 |
5% |
| 4 |
4% |
| 5 |
3% |
| 6 |
2% |
| 7 |
1% |
| Thereafter |
0% |
| Administrative Expenses(1) |
$20 |
| Base Contract Expenses(2) (as a percentage of your average Account Balance in the Separate Account) |
0.95% |
| Annual Account Reduction Loan Maintenance Fee (per loan outstanding)(3) |
$50 |
| |
Minimum |
Maximum |
| Annual Portfolio Expenses expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses |
0.28% |
1.04% |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$8,990 |
$10,152 |
$12,969 |
$22,826 |
| Minimum |
$8,230 |
$7,831 |
$9,032 |
$14,613 |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you annuitize or do not surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$1,990 |
$6,152 |
$10,569 |
$22,826 |
| Minimum |
$1,230 |
$3,831 |
$6,632 |
$14,613 |
| $500 |
= |
50 Accumulation Units |
| $10 |
|
|
| i Name of Benefit* |
i Purpose |
i Is Benefit Standard or Optional? |
Maximum Fee |
i Brief Description of Restrictions/ Limitations |
| i Basic Death Benefit |
i The Contract’s Death Proceeds at any time are the greater of: (1) the sum of all purchase payments adjusted for any premium tax, outstanding loan amount, and prior surrenders;
or (2) Your highest Account Value as of December 31 following the end of your fifth Contract Year and at the end of every other five year period. In any case, less any later partial withdrawals, fees and charges; or (3) The total of all of your purchase payments less any partial withdrawals (including any applicable
Early Withdrawal Charge). |
i Standard |
i None |
i •Withdrawals or loans could significantly reduce the benefit. |
| Name of Benefit* |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| i The Equity Generator® |
i An amount equal to the interest earned in the Fixed Interest Account is transferred monthly to any one Division based on your selection. |
i Standard |
i None |
i •Benefit limits available investment options. •If your Fixed Interest Account Balance at the time of a scheduled transfer is zero,
this strategy is automatically discontinued. |
| i The EqualizerSM |
i You start with equal amounts of money in the Fixed Interest Account and your choice of either the MetLife Stock Index Division or the Frontier Mid Cap Growth Division. Each quarter,
amounts are transferred between the Fixed Interest Account and your chosen Division to make the value of each equal. |
i Standard |
i None |
i •Benefit limits available investment options. |
| i The Rebalancer® |
i You select a specific asset allocation for your entire Account Balance from among the Divisions and the Fixed Interest Account, if available. Each quarter we transfer amounts among
these options to bring the percentage of your Account Balance in each option back to your original allocation. |
i Standard |
i None |
i •In the future, we may permit You to allocate less than 100% of your Account Balance to this strategy. |
| Name of Benefit* |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| i The Index Selector® |
i You may select one of five asset allocation models which are designed to correlate to various risk tolerance levels. Each quarter the percentage in each of the Divisions in which
the model invests and any Fixed Interest Account is brought back to the selected model percentage by transferring amounts among the Divisions and any Fixed Interest Account. |
i Standard |
i None |
i •Benefit limits available investment options. |
| i The AllocatorSM |
i Each month, a dollar amount You choose is transferred from the Fixed Interest Account to any of the Divisions You choose. You select the day of the month and the number of months over
which the transfers will occur. |
i Standard |
i None |
i •Minimum periodic transfer of $50 is required. •Once your Fixed Interest Account Balance is exhausted, the strategy
is discontinued. |
| Name of Benefit* |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| i Systematic Withdrawal Program |
i Automatically withdraws a specific dollar amount or a percentage of your Account Balance of your choice each Contract Year. |
i Standard |
i None |
i •Only available for Enhanced TSA, IRA, and 403(a) Deferred Annuities. •Not available in all states. •Income taxes, tax penalties
and Withdrawal Charges may apply to your withdrawals. •Subject to our required minimums and administrative restrictions. •Not available in conjunction with any automated investment strategy. |
| During Purchase Payment Year |
Percentage |
| 1 |
7% |
| 2 |
6% |
| 3 |
5% |
| 4 |
4% |
| 5 |
3% |
| 6 |
2% |
| 7 |
1% |
| 8 & Later |
0% |
| Contract Year* |
Percentage |
| 1 |
20% |
| 2 |
25% |
| 3 |
33 % |
| 4 |
50% |
| 5 |
remainder |
| During Purchase Payment Year |
Percentage |
| 1 |
5% |
| 2 |
4% |
| 3 |
3% |
| 4 |
2% |
| 5 |
1% |
| 6 and Beyond |
0% |
| During Transfer Year |
Percentage |
| 1 |
5% |
| 2 |
4% |
| 3 |
3% |
| 4 |
2% |
| 5 |
1% |
| 6 and Beyond |
0% |
| During Contract Year |
Percentage |
| 1 |
5.6% |
| 2 |
5.0% |
| 3 |
4.5% |
| 4 |
4.0% |
| 5 |
3.0% |
| 6 |
2.0% |
| 7 |
1.0% |
| 8 and Beyond |
0% |
| i FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i Global Equity |
i American Funds Global Small Capitalization Fund* - Class 2 i Capital Research
and Management CompanySM |
i 0.91% |
- i 29.55% |
i 2.79% |
i 6.84% |
| i US Equity |
i American Funds Growth Fund - Class 2 i Capital Research and Management CompanySM |
i 0.59% |
- i 29.94% |
i 11.14% |
i 13.64% |
| i US Equity |
i American Funds Growth-Income Fund - Class 2 i Capital Research and Management CompanySM |
i 0.53% |
- i 16.50% |
i 7.83% |
i 11.54% |
| i US Fixed Income |
i American Funds The Bond Fund of America* - Class 2 i Capital Research and Management CompanySM |
i 0.46% |
- i 12.58% |
i 0.76% |
i 1.36% |
| i Allocation |
i American Funds® Balanced Allocation Portfolio - Class C i Brighthouse
Investment Advisers, LLC |
i 0.96% |
- i 16.76% |
i 4.29% |
i 6.85% |
| i Allocation |
i American Funds® Growth Allocation Portfolio - Class C i Brighthouse
Investment Advisers, LLC |
i 0.99% |
- i 18.52% |
i 5.17% |
i 8.43% |
| i Allocation |
i American Funds® Moderate Allocation Portfolio - Class C i Brighthouse
Investment Advisers, LLC |
i 0.93% |
- i 14.63% |
i 3.48% |
i 5.54% |
| i International Equity |
i Baillie Gifford International Stock Portfolio* - Class A i Brighthouse Investment
Advisers, LLC Subadviser: i Baillie Gifford Overseas Limited (subsidiary of Baillie Gifford & Co.) |
i 0.73% |
- i 28.60% |
- i 0.23% |
i 4.45% |
| i US Fixed Income |
i BlackRock Bond Income Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i BlackRock
Advisors, LLC |
i 0.38% |
- i 14.15% |
i 0.32% |
i 1.55% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i US Equity |
i BlackRock Capital Appreciation Portfolio* - Class E i Brighthouse Investment Advisers, LLC
Subadviser: i BlackRock Advisors, LLC |
i 0.78% |
- i 37.68% |
i 7.52% |
i 11.50% |
| i Allocation |
i Brighthouse Asset Allocation 100 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.73% |
- i 19.89% |
i 5.44% |
i 8.94% |
| i Allocation |
i Brighthouse Asset Allocation 20 Portfolio* - Class A i Brighthouse Investment Advisers, LLC |
i 0.63% |
- i 12.54% |
i 1.78% |
i 2.96% |
| i Allocation |
i Brighthouse Asset Allocation 40 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.62% |
- i 13.63% |
i 2.82% |
i 4.64% |
| i Allocation |
i Brighthouse Asset Allocation 60 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.65% |
- i 15.17% |
i 3.94% |
i 6.33% |
| i Allocation |
i Brighthouse Asset Allocation 80 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.68% |
- i 17.71% |
i 4.79% |
i 7.79% |
| i US Equity |
i Brighthouse/Artisan Mid Cap Value Portfolio* - Class A i Brighthouse Investment Advisers,
LLC Subadviser: i Artisan Partners Limited Partnership |
i 0.76% |
- i 12.62% |
i 4.82% |
i 8.29% |
| i US Fixed Income |
i Brighthouse/Franklin Low Duration Total Return Portfolio* - Class B i Brighthouse
Investment Advisers, LLC Subadviser: i Franklin Advisers, Inc. |
i 0.72% |
- i 4.74% |
i 0.50% |
i 0.85% |
| i Allocation |
i Brighthouse/Wellington Balanced Portfolio - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i Wellington Management Company LLP |
i 0.52% |
- i 17.08% |
i 5.67% |
i 8.30% |
| i US Equity |
i Brighthouse/Wellington Core Equity Opportunities Portfolio* - Class A i Brighthouse
Investment Advisers, LLC Subadviser: i Wellington Management Company LLP |
i 0.61% |
- i 5.08% |
i 11.45% |
i 12.78% |
| i US Equity |
i Brighthouse/Wellington Large Cap Research Portfolio* - Class A i Brighthouse
Investment Advisers, LLC Subadviser: i Wellington Management Company LLP |
i 0.54% |
- i 19.02% |
i 8.82% |
i 12.46% |
| i Allocation |
i Calvert VP SRI Balanced Portfolio - Class I i Calvert Research and Management |
i 0.64% |
- i 15.41% |
i 6.32% |
i 7.57% |
| i US Equity |
i Calvert VP SRI Mid Cap Portfolio* - i Calvert Research and Management |
i 0.99% |
- i 19.49% |
i 5.47% |
i 7.81% |
| i Sector |
i CBRE Global Real Estate Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i CBRE
Investment Management Listed Real Assets LLC |
i 0.79% |
- i 24.89% |
i 1.89% |
i 3.61% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i US Equity |
i Equity-Income Portfolio - Initial Class i Fidelity Management & Research Company LLC Subadviser: i FMR
UK, FMR HK, FMR Japan |
i 0.51% |
- i 4.96% |
i 8.16% |
i 10.19% |
| i Allocation |
i Freedom 2020 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.73% |
- i 15.97% |
i 3.47% |
i 5.79% |
| i Allocation |
i Freedom 2025 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.76% |
- i 16.64% |
i 3.84% |
i 6.51% |
| i Allocation |
i Freedom 2030 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.79% |
- i 17.09% |
i 4.34% |
i 7.22% |
| i Allocation |
i Freedom 2035 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.84% |
- i 17.89% |
i 5.12% |
i 8.11% |
| i Allocation |
i Freedom 2040 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.41% |
i 5.62% |
i 8.44% |
| i Allocation |
i Freedom 2045 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.42% |
i 5.63% |
i 8.51% |
| i Allocation |
i Freedom 2050 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.47% |
i 5.61% |
i 8.53% |
| i Allocation |
i Freedom 2055 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.46% |
— |
— |
| i Allocation |
i Freedom 2060 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.38% |
— |
— |
| i US Equity |
i Frontier Mid Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Frontier
Capital Management Company, LLC |
i 0.70% |
- i 28.15% |
i 6.39% |
i 10.57% |
| i US Equity |
i Growth Portfolio - Initial Class i Fidelity Management & Research Company LLC Subadviser: i FMR
UK, FMR HK, FMR Japan |
i 0.61% |
- i 24.46% |
i 12.42% |
i 14.81% |
| i International Equity |
i Harris Oakmark International Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i Harris
Associates L.P. |
i 0.87% |
- i 15.93% |
- i 1.85% |
i 4.25% |
| i Global Equity |
i Invesco Global Equity Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Invesco
Advisers, Inc. |
i 0.58% |
- i 31.70% |
i 3.03% |
i 8.05% |
| i US Equity |
i Invesco Small Cap Growth Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i Invesco
Advisers, Inc. |
i 0.96% |
- i 35.11% |
i 4.33% |
i 9.94% |
| i US Fixed Income |
i Investment Grade Bond Portfolio - Initial Class i Fidelity Management & Research Company LLC Subadviser: i FMR
UK, FMR HK, FMR Japan |
i 0.40% |
- i 12.96% |
i 0.64% |
i 1.53% |
| i US Equity |
i Jennison Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Jennison
Associates LLC |
i 0.54% |
- i 38.87% |
i 8.40% |
i 13.05% |
| i Allocation |
i Loomis Sayles Global Allocation Portfolio* - Class B i Brighthouse Investment Advisers, LLC
Subadviser: i Loomis, Sayles & Company, L.P. |
i 1.03% |
- i 23.30% |
i 3.95% |
i 6.73% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i US Equity |
i Loomis Sayles Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Loomis,
Sayles & Company, L.P. |
i 0.57% |
- i 27.86% |
i 5.54% |
i 10.34% |
| i US Equity |
i Loomis Sayles Small Cap Core Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Loomis,
Sayles & Company, L.P. |
i 0.88% |
- i 15.06% |
i 5.32% |
i 9.89% |
| i US Equity |
i Loomis Sayles Small Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i Loomis, Sayles & Company, L.P. |
i 0.86% |
- i 22.96% |
i 7.75% |
i 11.62% |
| i US Fixed Income |
i MetLife Aggregate Bond Index Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.27% |
- i 13.09% |
- i 0.18% |
i 0.82% |
| i US Equity |
i MetLife Mid Cap Stock Index Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.29% |
- i 13.26% |
i 6.45% |
i 10.51% |
| i International Equity |
i MetLife MSCI EAFE® Index Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.38% |
- i 14.47% |
i 1.40% |
i 4.39% |
| i US Equity |
i MetLife Russell 2000® Index Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.31% |
- i 20.23% |
i 4.09% |
i 9.00% |
| i US Equity |
i MetLife Stock Index Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.26% |
- i 18.30% |
i 9.16% |
i 12.28% |
| i International Equity |
i MFS® Research International Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Massachusetts
Financial Services Company |
i 0.64% |
- i 17.30% |
i 3.08% |
i 5.02% |
| i Allocation |
i MFS® Total Return Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Massachusetts
Financial Services Company |
i 0.60% |
- i 9.63% |
i 5.19% |
i 7.39% |
| i US Equity |
i MFS® Value Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i Massachusetts
Financial Services Company |
i 0.71% |
- i 6.10% |
i 7.36% |
i 11.12% |
| i US Equity |
i Morgan Stanley Discovery Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Morgan
Stanley Investment Management Inc. |
i 0.65% |
- i 62.47% |
i 5.73% |
i 8.62% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i US Equity |
i Neuberger Berman Genesis Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Neuberger
Berman Investment Advisers LLC |
i 0.80% |
- i 19.15% |
i 7.70% |
i 10.74% |
| i US Fixed Income |
i PIMCO Inflation Protected Bond Portfolio - Class E i Brighthouse Investment Advisers, LLC
Subadviser: i Pacific Investment Management Company LLC |
i 0.92% |
- i 11.73% |
i 1.95% |
i 0.84% |
| i US Fixed Income |
i PIMCO Total Return Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Pacific
Investment Management Company LLC |
i 0.49% |
- i 14.34% |
i 0.04% |
i 1.07% |
| i Allocation |
i SSGA Growth and Income ETF Portfolio - Class E i Brighthouse Investment Advisers, LLC Subadviser: i SSGA
Funds Management, Inc. |
i 0.69% |
- i 15.26% |
i 3.45% |
i 5.52% |
| i Allocation |
i SSGA Growth ETF Portfolio - Class E i Brighthouse Investment Advisers, LLC Subadviser: i SSGA
Funds Management, Inc. |
i 0.72% |
- i 15.78% |
i 4.24% |
i 6.75% |
| i US Equity |
i T. Rowe Price Large Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i T. Rowe Price Associates, Inc. |
i 0.57% |
- i 40.46% |
i 4.93% |
i 11.29% |
| i US Equity |
i T. Rowe Price Mid Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i T.
Rowe Price Associates, Inc. |
i 0.70% |
- i 22.33% |
i 7.44% |
i 12.18% |
| i US Equity |
i T. Rowe Price Small Cap Growth Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i T.
Rowe Price Associates, Inc. |
i 0.50% |
- i 22.15% |
i 6.11% |
i 11.35% |
| i US Equity |
i Victory Sycamore Mid Cap Value Portfolio* - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i Victory Capital Management, Inc. |
i 0.59% |
- i 2.45% |
i 10.12% |
i 10.43% |
| i US Fixed Income |
i Western Asset Management Strategic Bond Opportunities Portfolio* - Class A i Brighthouse
Investment Advisers, LLC Subadviser: i Western Asset Management Company, LLC (Legg Mason) |
i 0.55% |
- i 16.66% |
i 0.18% |
i 2.19% |
| i US Fixed Income |
i Western Asset Management U.S. Government Portfolio* - Class A i Brighthouse Investment
Advisers, LLC Subadviser: i Western Asset Management Company, LLC (Legg Mason) |
i 0.49% |
- i 9.01% |
i 0.19% |
i 0.68% |
| |
Qualified Deferred and Income Annuities |
Non-Qualified Deferred Annuities and Income Annuities |
| California(1) |
0.5% |
2.35% |
| Colorado |
0.0% |
2.0% |
| Florida(2) |
1.0% |
1.0% |
| Maine(3) |
0.0% |
2.0% |
| Nevada(4) |
0.0% |
3.5% |
| Puerto Rico(5) |
1.0% |
1.0% |
| South Dakota(6) |
0.0% |
1.25% |
| Wyoming(4) |
0.0% |
1.0% |
| 4 | |
| 7 | |
| 10 | |
| 12 | |
| 13 | |
| 15 | |
| 16 | |
| 16 | |
| 17 | |
| 18 | |
| 18 | |
| 19 | |
| 19 | |
| 19 | |
| 20 | |
| 20 | |
| 21 | |
| 21 | |
| 22 | |
| 23 | |
| 23 | |
| 24 | |
| 24 | |
| 24 | |
| 25 | |
| 26 | |
| 29 | |
| 30 | |
| 31 | |
| 32 | |
| 33 | |
| 35 | |
| 36 | |
| 36 | |
| 38 | |
| 38 | |
| 39 | |
| 40 | |
| 41 | |
| 44 | |
| 46 | |
| 47 | |
| 48 | |
| 49 | |
| 50 |
| |
FEES AND EXPENSES |
LOCATION IN PROSPECTUS | ||
| Charges For Early Withdrawal |
Withdrawal charges are calculated as a percentage of amounts allocated to the Fixed Interest Account during the pay-in phase. A Withdrawal Charge of up to 7.00% may be assessed on any amounts withdrawn from the Fixed Interest Account that were allocated to the Fixed Interest Account less than 8 years before the date of the withdrawal. Withdrawal Charge of up to $ i 7,000 on a $100,000 investment. |
Fees | ||
| Transaction Charges |
other transactions, such as charges for transferring cash value among Divisions and between the Divisions and the Fixed Interest Account and a premium tax charge. Although we do not currently charge a fee for transfers of cash value among Divisions or between the Divisions and the Fixed Interest Account, we reserve the right to impose a transfer fee of $25. Loans will be charged an initial set-up fee and a loan maintenance fee. The Account Reduction Loan Initiation Fee is $75.00. The Account Reduction Loan Maintenance Fee is $50.00. |
Fees | ||
| Ongoing Fees and Expenses (annual charges) |
Fees | |||
| Annual Fee |
Minimum |
Maximum | ||
| Base Contract |
i 0.95%(1) |
i 0.95%(1) | ||
| Investment options (Portfolio fees and expenses) |
i 0.24%(2) |
i 1.04%(2) | ||
| i (1) Account. i (2)
| ||||
| |
could pay each year, based on current charges. This estimate could add contingent deferred sales charges that substantially increase costs. |
Fees | ||
| Lowest Annual Cost: |
Highest Annual Cost: | |||
| $ i 1,128 |
$ i 1,821 | |||
| Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Portfolio fees and expenses •No optional benefits •No sales charges •No additional purchase payments, transfers or withdrawals |
Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of Portfolio fees and expenses •No sales charges •No additional purchase payments, transfers or withdrawals | |
| |
RISKS |
LOCATION IN PROSPECTUS | ||
| Risk of Loss |
Principal Risks of Investing in the Contract | |||
| Not a Short- Term Investment |
for an investor who needs ready access to cash. amounts from the Fixed Interest Account for up to eight years of
when they were allocated to the Fixed Interest Account in your Deferred Annuity. Withdrawal charges will reduce the value of beneficial to investors with a long time horizon. |
Principal Risks of Investing in the Contract | ||
| Risks Associated with Investment Options |
investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolios). •Each investment option (including any Fixed Interest Account investment option) will have its own unique risks. investment decision. |
Principal Risks of Investing in the Contract | ||
| Risk of Contract Termination |
Subject to certain limitations, if your Account Value falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Contract. |
Principal Risks of Investing in the Contract | ||
| Insurance Company Risks |
An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Fixed Interest Account), guarantees, or benefits are subject to the claims-paying ability of the Company, and our long term ability to make such payments, and are not guaranteed by any other party. MetLife is regulated as an insurance company under state law, which generally includes limits on the amount and type of investments in its general account. However, there is no guarantee that we will be able to meet our
claims paying obligations; there are risks to purchasing any insurance product. More information about the Company, including its financial strength ratings, is available upon request by visiting |
Principal Risks of Investing in the Contract | ||
| Risk of Contract Termination |
Subject to certain limitations, if your Account Value falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Contract. |
Principal Risks of Investing in the Contract | ||
| Contract Termination |
Subject to certain limitations, if your Account Value falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Contract. |
Principal Risks of Investing in the Contract | ||
| |
RESTRICTIONS |
LOCATION IN PROSPECTUS | ||
| Investments |
i Although we do not currently charge a fee for transfers of cash value Account. We reserve the right to impose
a transfer fee of $25. We reserve the right to add, remove or substitute Portfolios. The Company also has policies and procedures that attempt to detect and deter frequent transfers in situations where we determine there is a potential for arbitrage additional limits that apply to transfers. |
Transfers | ||
| |
TAXES |
LOCATION IN PROSPECTUS | ||
| Tax Implications |
implications of an investment in and purchase payments received through a tax-qualified plan or individual retirement account (IRA). |
Federal Tax Considerations | ||
| |
CONFLICTS OF INTEREST |
LOCATION IN PROSPECTUS | ||
| Investment Professional Compensation |
i Your investment professional may receive compensation for selling professional’s firm. This conflict of interest may influence your investment. |
Certain Payments We Receive with Regard to the Portfolios | ||
| i Some investment professionals may have a financial incentive to |
Transfers | |||
| Sales Load Imposed on Purchases |
i None |
| Withdrawal Charge(1) (as a percentage of amounts withdrawn from the Fixed Interest Account) |
7% |
| Exchange Fee for Deferred Annuities |
i None |
| Account Reduction Loan Initiation Fee |
$ 75(2) |
| Transfer Fee(3) |
$ i 25 |
| Premium Tax Charges(4) |
3.50% |
| Base Contract Charge(1) (as a percentage of your average Account Value in the Separate Account) |
i 0.95% |
| Annual Account Reduction Loan Maintenance Fee (per loan outstanding)(2) |
$ i 50 |
| |
Minimum |
Maximum |
| i expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses |
i 0.24% |
i 1.04% |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$ i 7,590 |
$ i 10,652 |
$ i 13,569 |
$ i 22,826 |
| Minimum |
$ i 6,790 |
$ i 8,208 |
$ i 9,422 |
$ i 14,164 |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you annuitize or do not surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$ i i 1,990 / |
$ i i 6,152 / |
$ i i 10,569 / |
$ i i 22,826 / |
| Minimum |
$ i i 1,190 / |
$ i i 3,708 / |
$ i i 6,422 / |
$ i i 14,164 / |
| $500 |
= |
50 Accumulation Units |
| $10 |
|
|
| i Name of Benefit* |
i Purpose |
i Is Benefit Standard or Optional? |
Maximum Fee |
i Brief Description of Restrictions/ Limitations |
| i Basic Death Benefit |
i The Contract’s Death Proceeds at any time are the greater of: (1) the sum of all purchase payments adjusted for any premium tax, outstanding loan amount, and prior surrenders;
or (2) Your highest Account Value as of December 31 following the end of your fifth Contract Year and at the end of every other five year period. In any case, less any later partial withdrawals, fees and charges; or (3) The total of all of your purchase payments less any partial withdrawals (including any applicable
Early Withdrawal Charge). |
i Standard |
i None |
i •Withdrawals or loans could significantly reduce the benefit. |
| i The Equity Generator® |
i An amount equal to the interest earned in the Fixed Interest Account is transferred monthly to any one Division based on your selection. |
i Standard |
i None |
i •Benefit limits available investment options. •If your Fixed Interest Account Balance at the time of a scheduled transfer is zero, this strategy is
automatically discontinued. |
| Name of Benefit* |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| i Systematic Withdrawal Program |
i Automatically withdraws a specific dollar amount or a percentage of your Account Balance of your choice each Contract Year. |
i Standard |
i None |
i •Only available for Financial Freedom TSA and 403(a) Deferred Annuities. •Not available in all states. •Income taxes, tax penalties
and Withdrawal Charges may apply to your withdrawals. •Subject to our required minimums and administrative restrictions. •Not available in conjunction with any automated investment strategy. |
| During Year the amount is allocated to the Fixed Interest Account |
Percentage |
| 1 |
7% |
| 2 |
6% |
| 3 |
5% |
| 4 |
4% |
| 5 |
3% |
| 6 |
2% |
| 7 |
1% |
| 8 & Later |
0% |
| Contract Year* |
Percentage |
| 1 |
20% |
| 2 |
25% |
| 3 |
33⅓% |
| 4 |
50% |
| 5 |
remainder |
| After the Transfer |
Percentage |
| 1 |
5% |
| 2 |
4% |
| 3 |
3% |
| 4 |
2% |
| 5 |
1% |
| After the Transfer |
Percentage |
| 6 and Beyond |
0% |
| After the Transfer |
Percentage |
| 1 |
5% |
| 2 |
4% |
| 3 |
3% |
| 4 |
2% |
| 5 |
1% |
| 6 and Beyond |
0% |
| During Contract Year |
Percentage |
| 1 |
5.6% |
| During Contract Year |
Percentage |
| 2 |
5.0% |
| 3 |
4.5% |
| 4 |
4.0% |
| 5 |
3.0% |
| 6 |
2.0% |
| 7 |
1.0% |
| 8 and Beyond |
0% |
| i FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i Global Equity |
i American Funds Global Small Capitalization Fund* - Class 2 i Capital Research and
Management CompanySM |
i 0.91% |
- i 29.55% |
i 2.79% |
i 6.84% |
| i US Equity |
i American Funds Growth Fund - Class 2 i Capital Research and Management CompanySM |
i 0.59% |
- i 29.94% |
i 11.14% |
i 13.64% |
| i US Equity |
i American Funds Growth-Income Fund - Class 2 i Capital Research and Management CompanySM |
i 0.53% |
- i 16.50% |
i 7.83% |
i 11.54% |
| i US Fixed Income |
i American Funds The Bond Fund of America* - Class 2 i Capital Research and Management CompanySM |
i 0.46% |
- i 12.58% |
i 0.76% |
i 1.36% |
| i Allocation |
i American Funds® Balanced Allocation Portfolio - Class C i Brighthouse
Investment Advisers, LLC |
i 0.96% |
- i 16.76% |
i 4.29% |
i 6.85% |
| i Allocation |
i American Funds® Growth Allocation Portfolio - Class C i Brighthouse
Investment Advisers, LLC |
i 0.99% |
- i 18.52% |
i 5.17% |
i 8.43% |
| i Allocation |
i American Funds® Moderate Allocation Portfolio - Class C i Brighthouse
Investment Advisers, LLC |
i 0.93% |
- i 14.63% |
i 3.48% |
i 5.54% |
| i International Equity |
i Baillie Gifford International Stock Portfolio* - Class A i Brighthouse Investment
Advisers, LLC Subadviser: i Baillie Gifford Overseas Limited (subsidiary of Baillie Gifford & Co.) |
i 0.73% |
- i 28.60% |
- i 0.23% |
i 4.45% |
| i US Fixed Income |
i BlackRock Bond Income Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i BlackRock
Advisors, LLC |
i 0.38% |
- i 14.15% |
i 0.32% |
i 1.55% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i US Equity |
i BlackRock Capital Appreciation Portfolio* - Class E i Brighthouse Investment Advisers, LLC
Subadviser: i BlackRock Advisors, LLC |
i 0.78% |
- i 37.68% |
i 7.52% |
i 11.50% |
| i Allocation |
i Brighthouse Asset Allocation 100 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.73% |
- i 19.89% |
i 5.44% |
i 8.94% |
| i Allocation |
i Brighthouse Asset Allocation 20 Portfolio* - Class A i Brighthouse Investment Advisers, LLC |
i 0.63% |
- i 12.54% |
i 1.78% |
i 2.96% |
| i Allocation |
i Brighthouse Asset Allocation 40 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.62% |
- i 13.63% |
i 2.82% |
i 4.64% |
| i Allocation |
i Brighthouse Asset Allocation 60 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.65% |
- i 15.17% |
i 3.94% |
i 6.33% |
| i Allocation |
i Brighthouse Asset Allocation 80 Portfolio - Class A i Brighthouse Investment Advisers, LLC |
i 0.68% |
- i 17.71% |
i 4.79% |
i 7.79% |
| i US Equity |
i Brighthouse/Artisan Mid Cap Value Portfolio* - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i Artisan Partners Limited Partnership |
i 0.76% |
- i 12.62% |
i 4.82% |
i 8.29% |
| i US Fixed Income |
i Brighthouse/Franklin Low Duration Total Return Portfolio* - Class B i Brighthouse
Investment Advisers, LLC Subadviser: i Franklin Advisers, Inc. |
i 0.72% |
- i 4.74% |
i 0.50% |
i 0.85% |
| i Allocation |
i Brighthouse/Wellington Balanced Portfolio - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i Wellington Management Company LLP |
i 0.52% |
- i 17.08% |
i 5.67% |
i 8.30% |
| i US Equity |
i Brighthouse/Wellington Core Equity Opportunities Portfolio* - Class A i Brighthouse
Investment Advisers, LLC Subadviser: i Wellington Management Company LLP |
i 0.61% |
- i 5.08% |
i 11.45% |
i 12.78% |
| i US Equity |
i Brighthouse/Wellington Large Cap Research Portfolio* - Class A i Brighthouse
Investment Advisers, LLC Subadviser: i Wellington Management Company LLP |
i 0.54% |
- i 19.02% |
i 8.82% |
i 12.46% |
| i Allocation |
i Calvert VP SRI Balanced Portfolio - Class I i Calvert Research and Management |
i 0.64% |
- i 15.41% |
i 6.32% |
i 7.57% |
| i US Equity |
i Calvert VP SRI Mid Cap Portfolio* - i Calvert Research and Management |
i 0.99% |
- i 19.49% |
i 5.47% |
i 7.81% |
| i Sector |
i CBRE Global Real Estate Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i CBRE
Investment Management Listed Real Assets LLC |
i 0.79% |
- i 24.89% |
i 1.89% |
i 3.61% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i US Equity |
i Equity-Income Portfolio - Initial Class i Fidelity Management & Research Company LLC Subadviser: i FMR
UK, FMR HK, FMR Japan |
i 0.51% |
- i 4.96% |
i 8.16% |
i 10.19% |
| i Allocation |
i Freedom 2020 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.73% |
- i 15.97% |
i 3.47% |
i 5.79% |
| i Allocation |
i Freedom 2025 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.76% |
- i 16.64% |
i 3.84% |
i 6.51% |
| i Allocation |
i Freedom 2030 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.79% |
- i 17.09% |
i 4.34% |
i 7.22% |
| i Allocation |
i Freedom 2035 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.84% |
- i 17.89% |
i 5.12% |
i 8.11% |
| i Allocation |
i Freedom 2040 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.41% |
i 5.62% |
i 8.44% |
| i Allocation |
i Freedom 2045 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.42% |
i 5.63% |
i 8.51% |
| i Allocation |
i Freedom 2050 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.47% |
i 5.61% |
i 8.53% |
| i Allocation |
i Freedom 2055 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.46% |
— |
— |
| i Allocation |
i Freedom 2060 Portfolio - Service Class 2 i Fidelity Management & Research Company LLC |
i 0.88% |
- i 18.38% |
— |
— |
| i US Equity |
i Frontier Mid Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Frontier
Capital Management Company, LLC |
i 0.70% |
- i 28.15% |
i 6.39% |
i 10.57% |
| i US Fixed Income |
i Government Money Market Portfolio - Initial Class i Fidelity Management & Research Company LLC Subadviser: i FMR
UK, FMR HK, FMR Japan |
i 0.24% |
i 1.44% |
i 1.08% |
i 0.64% |
| i US Equity |
i Growth Portfolio - Initial Class i Fidelity Management & Research Company LLC Subadviser: i FMR
UK, FMR HK, FMR Japan |
i 0.61% |
- i 24.46% |
i 12.42% |
i 14.81% |
| i International Equity |
i Harris Oakmark International Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i Harris
Associates L.P. |
i 0.87% |
- i 15.93% |
- i 1.85% |
i 4.25% |
| i Global Equity |
i Invesco Global Equity Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Invesco
Advisers, Inc. |
i 0.58% |
- i 31.70% |
i 3.03% |
i 8.05% |
| i US Equity |
i Invesco Small Cap Growth Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i Invesco
Advisers, Inc. |
i 0.96% |
- i 35.11% |
i 4.33% |
i 9.94% |
| i US Fixed Income |
i Investment Grade Bond Portfolio - Initial Class i Fidelity Management & Research Company LLC Subadviser: i FMR
UK, FMR HK, FMR Japan |
i 0.40% |
- i 12.96% |
i 0.64% |
i 1.53% |
| i US Equity |
i Jennison Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Jennison
Associates LLC |
i 0.54% |
- i 38.87% |
i 8.40% |
i 13.05% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i Allocation |
i Loomis Sayles Global Allocation Portfolio* - Class B i Brighthouse Investment Advisers, LLC
Subadviser: i Loomis, Sayles & Company, L.P. |
i 1.03% |
- i 23.30% |
i 3.95% |
i 6.73% |
| i US Equity |
i Loomis Sayles Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Loomis,
Sayles & Company, L.P. |
i 0.57% |
- i 27.86% |
i 5.54% |
i 10.34% |
| i US Equity |
i Loomis Sayles Small Cap Core Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Loomis,
Sayles & Company, L.P. |
i 0.88% |
- i 15.06% |
i 5.32% |
i 9.89% |
| i US Equity |
i Loomis Sayles Small Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i Loomis, Sayles & Company, L.P. |
i 0.86% |
- i 22.96% |
i 7.75% |
i 11.62% |
| i US Fixed Income |
i MetLife Aggregate Bond Index Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.27% |
- i 13.09% |
- i 0.18% |
i 0.82% |
| i US Equity |
i MetLife Mid Cap Stock Index Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.29% |
- i 13.26% |
i 6.45% |
i 10.51% |
| i International Equity |
i MetLife MSCI EAFE® Index Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.38% |
- i 14.47% |
i 1.40% |
i 4.39% |
| i US Equity |
i MetLife Russell 2000® Index Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.31% |
- i 20.23% |
i 4.09% |
i 9.00% |
| i US Equity |
i MetLife Stock Index Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i MetLife
Investment Management, LLC |
i 0.26% |
- i 18.30% |
i 9.16% |
i 12.28% |
| i International Equity |
i MFS® Research International Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Massachusetts
Financial Services Company |
i 0.64% |
- i 17.30% |
i 3.08% |
i 5.02% |
| i Allocation |
i MFS® Total Return Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Massachusetts
Financial Services Company |
i 0.60% |
- i 9.63% |
i 5.19% |
i 7.39% |
| i US Equity |
i MFS® Value Portfolio* - Class E i Brighthouse Investment Advisers, LLC Subadviser: i Massachusetts
Financial Services Company |
i 0.71% |
- i 6.10% |
i 7.36% |
i 11.12% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i US Equity |
i Morgan Stanley Discovery Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Morgan
Stanley Investment Management Inc. |
i 0.65% |
- i 62.47% |
i 5.73% |
i 8.62% |
| i US Equity |
i Neuberger Berman Genesis Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Neuberger
Berman Investment Advisers LLC |
i 0.80% |
- i 19.15% |
i 7.70% |
i 10.74% |
| i US Fixed Income |
i PIMCO Inflation Protected Bond Portfolio - Class E i Brighthouse Investment Advisers, LLC
Subadviser: i Pacific Investment Management Company LLC |
i 0.92% |
- i 11.73% |
i 1.95% |
i 0.84% |
| i US Fixed Income |
i PIMCO Total Return Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i Pacific
Investment Management Company LLC |
i 0.49% |
- i 14.34% |
i 0.04% |
i 1.07% |
| i Allocation |
i SSGA Growth and Income ETF Portfolio - Class E i Brighthouse Investment Advisers, LLC Subadviser: i SSGA
Funds Management, Inc. |
i 0.69% |
- i 15.26% |
i 3.45% |
i 5.52% |
| i Allocation |
i SSGA Growth ETF Portfolio - Class E i Brighthouse Investment Advisers, LLC Subadviser: i SSGA
Funds Management, Inc. |
i 0.72% |
- i 15.78% |
i 4.24% |
i 6.75% |
| i US Equity |
i T. Rowe Price Large Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i T. Rowe Price Associates, Inc. |
i 0.57% |
- i 40.46% |
i 4.93% |
i 11.29% |
| i US Equity |
i T. Rowe Price Mid Cap Growth Portfolio* - Class A i Brighthouse Investment Advisers, LLC Subadviser: i T.
Rowe Price Associates, Inc. |
i 0.70% |
- i 22.33% |
i 7.44% |
i 12.18% |
| i US Equity |
i T. Rowe Price Small Cap Growth Portfolio - Class A i Brighthouse Investment Advisers, LLC Subadviser: i T.
Rowe Price Associates, Inc. |
i 0.50% |
- i 22.15% |
i 6.11% |
i 11.35% |
| i US Equity |
i Victory Sycamore Mid Cap Value Portfolio* - Class A i Brighthouse Investment Advisers, LLC
Subadviser: i Victory Capital Management, Inc. |
i 0.59% |
- i 2.45% |
i 10.12% |
i 10.43% |
| i US Fixed Income |
i Western Asset Management Strategic Bond Opportunities Portfolio* - Class A i Brighthouse
Investment Advisers, LLC Subadviser: i Western Asset Management Company, LLC (Legg Mason) |
i 0.55% |
- i 16.66% |
i 0.18% |
i 2.19% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| i US Fixed Income |
i Western Asset Management U.S. Government Portfolio* - Class A i Brighthouse Investment
Advisers, LLC Subadviser: i Western Asset Management Company, LLC (Legg Mason) |
i 0.49% |
- i 9.01% |
i 0.19% |
i 0.68% |
| |
Qualified Deferred and Income Annuities |
Non-Qualified Deferred Annuities and Income Annuities |
| California(1) |
0.5% |
2.35% |
| Colorado |
0.00% |
2.00% |
| Florida(2) |
1.0% |
1.0% |
| Maine(3) |
0.0% |
2.0% |
| Nevada(4) |
0.0% |
3.5% |
| Puerto Rico(5) |
1.0% |
1.0% |
| South Dakota(6) |
0.0% |
1.25% |
| Wyoming(4) |
0.0% |
1.0% |
| 4 | |
| 6 | |
| 9 | |
| 10 | |
| 13 | |
| 15 | |
| 15 | |
| 16 | |
| 16 | |
| 17 | |
| 17 | |
| 18 | |
| 18 | |
| 18 | |
| 18 | |
| 19 | |
| 19 | |
| 20 | |
| 21 | |
| 22 | |
| 23 | |
| 23 | |
| 23 | |
| 23 | |
| 24 | |
| 24 | |
| 25 | |
| 28 | |
| 28 | |
| 30 | |
| 30 | |
| 30 | |
| 31 | |
| 31 | |
| 31 | |
| 31 | |
| 32 | |
| 32 | |
| 33 | |
| 35 | |
| 38 | |
| 39 | |
| 40 | |
| 40 | |
| 41 |
| |
FEES AND EXPENSES |
LOCATION IN PROSPECTUS | ||
| Charges for Early Withdrawals |
Withdrawal charges are calculated as a percentage of each purchase payment funding the withdrawal during the pay-in phase. A Withdrawal Charge of up to 7.00% may be assessed on any such purchase payment paid less than 8 years before the date of the withdrawal. Withdrawal Charge of up to $7,000. |
Charges | ||
| Transaction Charges |
transactions such as transferring cash value among Divisions and between the Divisions and the Fixed Interest Account. Although we do not currently charge a fee for transfers of cash value among We reserve the right to impose a transfer fee of $25. more than two years. We are currently waiving this charge. |
Charges | ||
| Ongoing Fees and Expenses (annual charges) |
Fees | |||
| Annual Fee |
Minimum |
Maximum | ||
| Base Contract |
1.29%(1) |
1.29%(1) | ||
| Investment options (Portfolio fees and expenses) |
0.28%(2) |
1.04%(2) | ||
| (1) Account. The Base Contract Fee includes 0.04% for the Annual Contract Fee. For the Non-Qualified, Traditional IRA, Roth IRA the check-o-matic or automatic payroll deduction programs. fee from the Fixed Interest Account at the end of each Contract Year if your Account Value is less than $20,000 and (2) | ||||
| |
FEES AND EXPENSES |
LOCATION IN PROSPECTUS | ||
| |
could pay each year, based on current charges. This estimate could add Withdrawal Charges that substantially increase costs. |
Fees | ||
| Lowest Annual Cost: |
Highest Annual Cost: | |||
| $1,464 |
$2,100 | |||
| Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Contract classes and Portfolio fees and expenses •No optional benefits •No sales charges •No additional purchase payments, transfers or
withdrawals |
Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination benefits and Portfolio fees and expenses •No sales charges •No additional purchase payments, transfers or
withdrawals | |||
| |
RISKS |
LOCATION IN PROSPECTUS | ||
| Risk of Loss |
Principal Risks of Investing in the Contract | |||
| Not a Short- Term Investment |
for an investor who needs ready access to cash. •Withdrawal Charges may apply for up to 8 years following each purchase payment. Withdrawal Charges will reduce the value of •The benefits of tax deferral and living benefit protections also time horizon. |
Principal Risks of Investing in the Contract | ||
| Risks Associated with Investment Options |
investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolios). •Each investment option (including the Fixed Interest Account investment option) will have its own unique risks. investment decision. |
Principal Risks of Investing in the Contract | ||
| Risk of Contract Termination |
Subject to certain limitations, if your Account Value falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Contract. |
Principal Risks of Investing in the Contract | ||
| |
RISKS |
LOCATION IN PROSPECTUS | ||
| Insurance Company Risks |
Company. Any obligations (including under the Fixed Interest Account) guarantees, or benefits are subject to the claims-paying ability of the Company, and our long term ability to make such regulated as an insurance company under state law, which generally
includes limits on the amount and type of investments in its general account. However, there is no guarantee that we will be able to meet our claims paying obligations; there are risks to purchasing any insurance product. More information about the Company, including its financial strength ratings, is available upon request by visiting |
Principal Risks of Investing in the Contract | ||
| |
RESTRICTIONS |
LOCATION IN PROSPECTUS | ||
| Investment |
Although we do not currently charge a fee for transfers of cash value Account, We reserve the right to impose a transfer fee of $25. We reserve the right to add, remove or substitute Portfolios. The Company also has policies and procedures that attempt to detect and deter frequent transfers in situations where we
determine there is a potential for arbitrage trading, and in those instances, there are additional limits that apply to transfers. |
Charges – Transfer Fee | ||
| |
TAXES |
LOCATION IN PROSPECTUS | ||
| Tax Implications |
implications of an investment in and purchase payments received through a tax-qualified plan or individual retirement account (IRA). |
Federal Tax Considerations | ||
| |
CONFLICTS OF INTEREST |
LOCATION IN PROSPECTUS | ||
| Investment Professional Compensation |
Your investment professional may receive compensation for selling professional’s firm. This conflict
of interest may influence your investment. |
Who Sells the Deferred Annuities and Income Annuities | ||
| Some investment professionals may have a financial incentive to
|
Exchanges/Transfers | |||
| Sales Load Imposed on Purchase Payments |
None |
| Early Withdrawal Charge(1) (as a percentage of each purchase payment funding the withdrawal during the pay-in phase) |
7% |
| Exchange Fee for Deferred Annuities |
None |
| Income Annuity Contract Fee(2) |
$350 |
| Transfer Fee(3) |
$25 |
| Premium Tax Charges(4) |
3.50% |
| During Purchase Payment Year |
Percentage |
| 1 |
7% |
| 2 |
6% |
| 3 |
5% |
| 4 |
4% |
| 5 |
3% |
| 6 |
2% |
| 7 |
1% |
| Thereafter |
0% |
| Administrative Expenses(1) |
$20 |
| Base Contract Expense(2) (as a percentage of your average Account Value in the Separate Account) |
1.25% |
| |
Minimum |
Maximum |
| expenses that are deducted from Portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses |
0.28% |
1.04% |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$9,290 |
$11,559 |
$14,789 |
$25,907 |
| Minimum |
$8,530 |
$9,252 |
$10,901 |
$17,926 |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you annuitize or do not surrender your Contract at the end of the applicable time period period |
|
|
|
|
| Maximum |
$2,640 |
$7,393 |
$12,406 |
$26,177 |
| Minimum |
$1,880 |
$5,091 |
$8,528 |
$18,221 |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you annuitize or do not surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$2,290 |
$7,059 |
$12,089 |
$25,907 |
| Minimum |
$1,530 |
$4,752 |
$8,201 |
$17,926 |
| $500 |
= |
50 Accumulation Units |
| $10 |
|
|
| During Purchase Payment Year |
Percentage |
| 1 |
7% |
| 2 |
6% |
| 3 |
5% |
| 4 |
4% |
| 5 |
3% |
| 6 |
2% |
| 7 |
1% |
| 8 & Later |
0% |
| During Purchase Payment Year |
Percentage |
| 1 |
5% |
| 2 |
4% |
| 3 |
3% |
| 4 |
2% |
| 5 |
1% |
| 6 and Beyond |
0% |
| During Transfer Year |
Percentage |
| 1 |
5% |
| 2 |
4% |
| 3 |
3% |
| 4 |
2% |
| 5 |
1% |
| 6 and Beyond |
0% |
| Name of Benefit* |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| Standard Death Benefit |
Guarantees that the death benefit will not be less than the greatest of (1) your Account Value; (2) Your highest Account Value as of December 31 following the end of your fifth Contract Year and at the end of every other five year period. In any case, less any later partial withdrawals, fees and
charges; or (3) the total of all of your purchase payments less any partial withdrawals (including any applicable Early Withdrawal Charge). |
Standard |
None |
•Withdrawals could significantly reduce the benefit. |
| The Equity Generator®: |
An amount equal to the interest earned in the Fixed Interest Account is transferred monthly to any one Division based on your selection. If your Fixed Interest Account Balance at the time of a scheduled transfer is zero, this strategy is automatically discontinued. |
Standard |
None |
•Benefit limits available investment options. •If your Fixed Interest Account Balance at the time of a scheduled transfer is zero, this strategy is automatically discontinued. |
| Name of Benefit* |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| The Equalizer SM: |
You start with equal amounts of money in the Fixed Interest Account and your choice of either the MetLife Stock Index Division or the Frontier Mid Cap Growth Division. Each quarter, amounts are transferred between the Fixed Interest Account and your chosen Division to make
the value of each equal. |
Standard |
None |
•Benefit limits available investment options. |
| The Rebalancer®: |
You select a specific asset allocation for your entire Account Balance from among the Divisions and the Fixed Interest Account, if available. Each quarter we transfer amounts among these options to bring the percentage of your Account Balance in each option back to your original allocation.
|
Standard |
None |
•In the future, we may permit You to allocate less than 100% of your Account Balance to this strategy. |
| Name of Benefit* |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| The Index Selector®: |
You may select one of five asset allocation models which are designed to correlate to various risk tolerance levels. Each quarter the percentage in each of the Divisions in which the model invests and any Fixed Interest Account is brought back to the selected model percentage by transferring
amounts among the Divisions and any Fixed Interest Account. |
Standard |
None |
•Benefit limits available investment options. |
| The Allocator SM: |
Each month, a dollar amount You choose is transferred from the Fixed Interest Account to any of the Divisions You choose. You select the day of the month and the number of months over which the transfers will occur. |
Standard |
None |
•A minimum periodic transfer of $50 is required. •Once your Fixed Interest Account Value is exhausted, this strategy is automatically discontinued. |
| Name of Benefit* |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| Systematic Withdrawal Program |
Automatically withdraws a specific dollar amount or a percentage of your Account Balance of your choice each Contract Year. |
Standard |
None |
•Not available under the 457(b) Deferred Annuity issued to tax-exempt organizations. •Not available in all states. •Income taxes, tax penalties and Withdrawal Charges may apply to your withdrawals. •Subject to our required
minimums and administrative restrictions. •Not available in conjunction with any automated investment strategy. |
| •Non-Qualified |
•Roth IRA |
•SIMPLE IRA |
| •Traditional IRA |
•SEP IRA |
|
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| Global Equity |
American Funds Global Small Capitalization Fund* - Class 2 Capital Research and Management CompanySM |
0.91% |
-29.55% |
2.79% |
6.84% |
| US Equity |
American Funds Growth Fund - Class 2 Capital Research and Management CompanySM |
0.59% |
-29.94% |
11.14% |
13.64% |
| US Equity |
American Funds Growth-Income Fund - Class 2 Capital Research and Management CompanySM |
0.53% |
-16.50% |
7.83% |
11.54% |
| US Fixed Income |
American Funds The Bond Fund of America* - Class 2 Capital Research and Management CompanySM |
0.46% |
-12.58% |
0.76% |
1.36% |
| Allocation |
American Funds® Balanced Allocation Portfolio - Class C Brighthouse Investment Advisers, LLC |
0.96% |
-16.76% |
4.29% |
6.85% |
| Allocation |
American Funds® Growth Allocation Portfolio - Class C Brighthouse Investment Advisers, LLC |
0.99% |
-18.52% |
5.17% |
8.43% |
| Allocation |
American Funds® Moderate Allocation Portfolio - Class C Brighthouse Investment Advisers, LLC |
0.93% |
-14.63% |
3.48% |
5.54% |
| International Equity |
Baillie Gifford International Stock Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Baillie Gifford Overseas Limited (subsidiary of Baillie Gifford & Co.) |
0.73% |
-28.60% |
-0.23% |
4.45% |
| US Fixed Income |
BlackRock Bond Income Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC |
0.38% |
-14.15% |
0.32% |
1.55% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| US Equity |
BlackRock Capital Appreciation Portfolio* - Class E Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC |
0.78% |
-37.68% |
7.52% |
11.50% |
| Allocation |
Brighthouse Asset Allocation 100 Portfolio - Class A Brighthouse Investment Advisers, LLC |
0.73% |
-19.89% |
5.44% |
8.94% |
| Allocation |
Brighthouse Asset Allocation 20 Portfolio* - Class A Brighthouse Investment Advisers, LLC |
0.63% |
-12.54% |
1.78% |
2.96% |
| Allocation |
Brighthouse Asset Allocation 40 Portfolio - Class A Brighthouse Investment Advisers, LLC |
0.62% |
-13.63% |
2.82% |
4.64% |
| Allocation |
Brighthouse Asset Allocation 60 Portfolio - Class A Brighthouse Investment Advisers, LLC |
0.65% |
-15.17% |
3.94% |
6.33% |
| Allocation |
Brighthouse Asset Allocation 80 Portfolio - Class A Brighthouse Investment Advisers, LLC |
0.68% |
-17.71% |
4.79% |
7.79% |
| US Equity |
Brighthouse/Artisan Mid Cap Value Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Artisan Partners Limited Partnership |
0.76% |
-12.62% |
4.82% |
8.29% |
| US Fixed Income |
Brighthouse/Franklin Low Duration Total Return Portfolio* - Class B Brighthouse Investment Advisers, LLC Subadviser: Franklin Advisers, Inc. |
0.72% |
-4.74% |
0.50% |
0.85% |
| Allocation |
Brighthouse/Wellington Balanced Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP |
0.52% |
-17.08% |
5.67% |
8.30% |
| US Equity |
Brighthouse/Wellington Core Equity Opportunities Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP |
0.61% |
-5.08% |
11.45% |
12.78% |
| US Equity |
Brighthouse/Wellington Large Cap Research Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP |
0.54% |
-19.02% |
8.82% |
12.46% |
| Sector |
CBRE Global Real Estate Portfolio* - Class E Brighthouse Investment Advisers, LLC Subadviser: CBRE Investment Management Listed Real Assets LLC |
0.79% |
-24.89% |
1.89% |
3.61% |
| US Equity |
Frontier Mid Cap Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Frontier Capital Management Company, LLC |
0.70% |
-28.15% |
6.39% |
10.57% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| International Equity |
Harris Oakmark International Portfolio* - Class E Brighthouse Investment Advisers, LLC Subadviser: Harris Associates L.P. |
0.87% |
-15.93% |
-1.85% |
4.25% |
| Global Equity |
Invesco Global Equity Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc. |
0.58% |
-31.70% |
3.03% |
8.05% |
| US Equity |
Invesco Small Cap Growth Portfolio* - Class E Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc. |
0.96% |
-35.11% |
4.33% |
9.94% |
| US Equity |
Jennison Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Jennison Associates LLC |
0.54% |
-38.87% |
8.40% |
13.05% |
| Allocation |
Loomis Sayles Global Allocation Portfolio* - Class B Brighthouse Investment Advisers, LLC Subadviser: Loomis, Sayles & Company, L.P. |
1.03% |
-23.30% |
3.95% |
6.73% |
| US Equity |
Loomis Sayles Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Loomis, Sayles & Company, L.P. |
0.57% |
-27.86% |
5.54% |
10.34% |
| US Equity |
Loomis Sayles Small Cap Core Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Loomis, Sayles & Company, L.P. |
0.88% |
-15.06% |
5.32% |
9.89% |
| US Equity |
Loomis Sayles Small Cap Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Loomis, Sayles & Company, L.P. |
0.86% |
-22.96% |
7.75% |
11.62% |
| US Fixed Income |
MetLife Aggregate Bond Index Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.27% |
-13.09% |
-0.18% |
0.82% |
| US Equity |
MetLife Mid Cap Stock Index Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.29% |
-13.26% |
6.45% |
10.51% |
| International Equity |
MetLife MSCI EAFE® Index Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.38% |
-14.47% |
1.40% |
4.39% |
| US Equity |
MetLife Russell 2000® Index Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.31% |
-20.23% |
4.09% |
9.00% |
| US Equity |
MetLife Stock Index Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.26% |
-18.30% |
9.16% |
12.28% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| International Equity |
MFS® Research International Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Massachusetts Financial Services Company |
0.64% |
-17.30% |
3.08% |
5.02% |
| Allocation |
MFS® Total Return Portfolio* - Class E Brighthouse Investment Advisers, LLC Subadviser: Massachusetts Financial Services Company |
0.75% |
-9.77% |
5.03% |
7.23% |
| US Equity |
MFS® Value Portfolio* - Class E Brighthouse Investment Advisers, LLC Subadviser: Massachusetts Financial Services Company |
0.71% |
-6.10% |
7.36% |
11.12% |
| US Equity |
Morgan Stanley Discovery Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Morgan Stanley Investment Management Inc. |
0.65% |
-62.47% |
5.73% |
8.62% |
| US Equity |
Neuberger Berman Genesis Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Neuberger Berman Investment Advisers LLC |
0.80% |
-19.15% |
7.70% |
10.74% |
| US Fixed Income |
PIMCO Inflation Protected Bond Portfolio - Class E Brighthouse Investment Advisers, LLC Subadviser: Pacific Investment Management Company LLC |
0.92% |
-11.73% |
1.95% |
0.84% |
| US Fixed Income |
PIMCO Total Return Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Pacific Investment Management Company LLC |
0.49% |
-14.34% |
0.04% |
1.07% |
| Allocation |
SSGA Growth and Income ETF Portfolio - Class E Brighthouse Investment Advisers, LLC Subadviser: SSGA Funds Management, Inc. |
0.69% |
-15.26% |
3.45% |
5.52% |
| Allocation |
SSGA Growth ETF Portfolio - Class E Brighthouse Investment Advisers, LLC Subadviser: SSGA Funds Management, Inc. |
0.72% |
-15.78% |
4.24% |
6.75% |
| US Equity |
T. Rowe Price Large Cap Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc. |
0.57% |
-40.46% |
4.93% |
11.29% |
| US Equity |
T. Rowe Price Mid Cap Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc. |
0.70% |
-22.33% |
7.44% |
12.18% |
| US Equity |
T. Rowe Price Small Cap Growth Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc. |
0.50% |
-22.15% |
6.11% |
11.35% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| US Equity |
Victory Sycamore Mid Cap Value Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Victory Capital Management, Inc. |
0.59% |
-2.45% |
10.12% |
10.43% |
| US Fixed Income |
Western Asset Management Strategic Bond Opportunities Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Western Asset Management Company, LLC (Legg Mason) |
0.55% |
-16.66% |
0.18% |
2.19% |
| US Fixed Income |
Western Asset Management U.S. Government Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Western Asset Management Company, LLC (Legg Mason) |
0.49% |
-9.01% |
0.19% |
0.68% |
| |
Qualified Deferred and Income Annuities |
Non-Qualified Deferred Annuities and Income Annuities |
| California(1) |
0.50% |
2.35% |
| Colorado |
0.00% |
2.00% |
| Florida(2) |
1.00% |
1.00% |
| Maine(3) |
0.00% |
2.00% |
| Nevada(4) |
0.00% |
3.50% |
| Puerto Rico(5) |
1.00% |
1.00% |
| South Dakota(6) |
0.00% |
1.25% |
| Wyoming(4) |
0.00% |
1.00% |
| 4 | |
| 6 | |
| 9 | |
| 11 | |
| 14 | |
| 15 | |
| 16 | |
| 16 | |
| 17 | |
| 17 | |
| 18 | |
| 18 | |
| 18 | |
| 19 | |
| 19 | |
| 20 | |
| 21 | |
| 21 | |
| 21 | |
| 21 | |
| 23 | |
| 23 | |
| 24 | |
| 24 | |
| 24 | |
| 25 | |
| 26 | |
| 29 | |
| 29 | |
| 29 | |
| 29 | |
| 29 | |
| 30 | |
| 30 | |
| 30 | |
| 34 | |
| 35 | |
| 36 | |
| 36 | |
| 38 | |
| 38 | |
| 39 | |
| 40 | |
| 41 | |
| 41 |
| |
FEES AND EXPENSES |
LOCATION IN PROSPECTUS | ||
| Charges for Early Withdrawals |
Withdrawal charges are calculated as a percentage of each purchase payment funding the withdrawal during the pay-in phase. A Withdrawal Charge of up to 7.00% may be assessed on any such purchase payment paid less than 8 years before the date of the withdrawal. withdrawal charge of up to $7,000
on a $100,000 investment. |
Fees | ||
| Transaction Charges |
transactions such as charges for transferring cash value among Divisions and between the Divisions and the Fixed Interest Account and a premium tax charge. Although we do not currently charge a fee for transfers of cash value among Divisions or between the Divisions and the Fixed Interest Account, we reserve the right to impose
a transfer fee of $25. Loans will be charged an initial set-up fee and a loan maintenance fee. The Account Reduction Loan Initiation Fee is $75.00. The Account Reduction Loan Maintenance Fee is $50.00. |
Fees | ||
| Ongoing Fees and Expenses (annual charges) |
Fees | |||
| Annual Fee |
Minimum |
Maximum | ||
| Base Contract |
0.99%(1) |
0.99%(1) | ||
| Investment Options (Portfolio fees and expenses) |
0.28%(2) |
0.96%(2) | ||
| (1) Account. The Base Contract Fee includes 0.04% for the Annual Contract Fee. The Annual Contract Fee is $20 annually and is charged only against amounts in the Fixed Interest Account. The Annual Contract Fee may be waived under certain circumstances. (2) | ||||
| |
FEES AND EXPENSES |
LOCATION IN PROSPECTUS | ||
| |
could pay each year, based on current charges. This estimate could add contingent deferred sales charges that substantially increase costs. |
Fees | ||
| Lowest Annual Cost: |
Highest Annual Cost: | |||
| $1,200 |
$1,787 | |||
| Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Portfolio fees and expenses •No optional benefits •No sales charges •No additional purchase payments, transfers or withdrawals |
Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of Portfolio fees and expenses •No sales charges •No additional purchase payments, transfers or withdrawals | |||
| |
RISKS |
LOCATION IN PROSPECTUS | ||
| Risk of Loss |
Principal Risks of Investing in the Contract | |||
| Not a Short- Term Investment |
for an investor who needs ready access to cash. •Withdrawal charges may apply for up to 8 years following each purchase payment. Withdrawal charges will reduce the value of beneficial to investors with a long time horizon. |
Principal Risks of Investing in the Contract | ||
| Risks Associated with Investment Options |
investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolios). •Each investment option (including any Fixed Interest Account investment option) will have its own unique risks. investment decision. |
Principal Risks of Investing in the Contract | ||
| Risk of Contract Termination |
Subject to certain limitations, if your Account Value falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Contract. |
Principal Risks of Investing in the Contract | ||
| |
RISKS |
LOCATION IN PROSPECTUS | ||
| Insurance Company Risks |
An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Fixed Interest Account), guarantees, or benefits are subject to the claims-paying ability of the Company, and our long term ability to make such payments, and are not guaranteed by any other party. MetLife is regulated as an insurance company under state law, which generally includes limits on the amount and type of investments in its general account. However, there is no guarantee that we will be able to meet our
claims paying obligations; there are risks to purchasing any insurance product. More information about the Company, including its financial strength ratings, is available upon request by visiting |
Principal Risks of Investing in the Contract | ||
| |
RESTRICTIONS |
LOCATION IN PROSPECTUS | ||
| Investment |
Although we do not currently charge a fee for transfers of cash value Account We reserve the right to impose a transfer fee of $25 after add, remove or substitute
Portfolios. The Company also has policies and procedures that attempt to detect and deter frequent transfers in situations where we determine there is a potential for arbitrage trading, and in those instances, there are additional limits that apply to transfers. |
Transfers | ||
| |
TAXES |
LOCATION IN PROSPECTUS | ||
| Tax Implications |
implications of an investment in and purchase payments received through a tax-qualified plan or individual retirement account (IRA). |
Federal Tax Considerations | ||
| |
CONFLICTS OF INTEREST |
LOCATION IN PROSPECTUS | ||
| Investment Professional Compensation |
Your investment professional may receive compensation for selling professional’s firm. This conflict
of interest may influence your investment. |
Who Sells the Deferred Annuities and Income Annuities | ||
| Some investment professionals may have a financial incentive to
|
Transfers/Exchanges | |||
| Sales Load Imposed on Purchase Payments |
None |
| Early Withdrawal Charge(1) (as a percentage of each purchase payment funding the withdrawal during the pay-in phase) |
Up to 7% |
| Exchange Fee for Deferred Annuities |
None |
| Account Reduction Loan Initiation Fee |
$ 75(2) |
| Transfer Fee(3) |
$25 |
| Premium Tax Charges(4) |
3.50% |
| During Purchase Payment Year |
Percentage |
| 1 |
7% |
| 2 |
6% |
| 3 |
5% |
| 4 |
4% |
| 5 |
3% |
| 6 |
2% |
| 7 |
1% |
| Thereafter |
0% |
| Administrative Expenses(1) |
$20 |
| Base Contract Expense(2) (as a percentage of your average Account Value in the Separate Account) |
0.95% |
| Annual Account Reduction Loan Maintenance Fee (per loan outstanding) |
$ 50(2) |
| Income Annuity Contract Fee |
0.95% |
| |
Minimum |
Maximum |
| expenses that are deducted from Portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses |
0.28% |
0.96% |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$8,910 |
$9,910 |
$12,560 |
$21,990 |
| Minimum |
$8,230 |
$7,831 |
$9,032 |
$14,613 |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you annuitize or do not surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$1,910 |
$5,910 |
$10,160 |
$21,990 |
| Minimum |
$1,230 |
$3,831 |
$6,632 |
$14,613 |
| $500 |
= |
50 Accumulation Units |
| $10 |
|
|
| During Purchase Payment Year |
Percentage |
| 1 |
7% |
| 2 |
6% |
| 3 |
5% |
| 4 |
4% |
| 5 |
3% |
| During Purchase Payment Year |
Percentage |
| 6 |
2% |
| 7 |
1% |
| 8 & Later |
0% |
| Contract Year* |
Percentage |
| 1 |
20% |
| 2 |
25% |
| 3 |
33⅓% |
| 4 |
50% |
| 5 |
remainder |
| During Purchase Payment Year |
Percentage |
| 1 |
5% |
| 2 |
4% |
| 3 |
3% |
| 4 |
2% |
| 5 |
1% |
| 6 and Beyond |
0% |
| During Transfer Year |
Percentage |
| 1 |
5% |
| 2 |
4% |
| 3 |
3% |
| 4 |
2% |
| 5 |
1% |
| During Transfer Year |
Percentage |
| 6 and Beyond |
0% |
| Name of Benefit |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| Basic Death Benefit |
Guarantees that the death benefit will not be less than the greatest of (1) your Account Value; (2) Your highest Account Value as of December 31 following the end of your fifth Contract Year and at the end of every other five year period. In any case, less any later partial withdrawals, fees and
charges; or (3) the total of all of your purchase payments less any partial withdrawals (including any applicable Early Withdrawal Charge). |
Standard |
None |
•Withdrawals or loans could significantly reduce the benefit. |
| The Equity Generator® |
An amount equal to the interest earned in the Fixed Interest Account is transferred monthly to any one Division based on your selection. |
Standard |
None |
•Benefit limits available investment options. •If your Fixed Interest Account Balance at the time of a scheduled transfer is zero, this strategy is automatically discontinued. |
| Name of Benefit |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| The Equalizer |
You start with equal amounts of money in the Fixed Interest Account and your choice of either the MetLife Stock Index Division or the Frontier Mid Cap Growth Division. Each quarter, amounts are transferred between the Fixed Interest Account and your chosen Division to make
the value of each equal. |
Standard |
|
•Not available to all Deferred Annuities •Benefit limits available investment options. |
| The Rebalancer® |
You select a specific asset allocation for your entire Account Balance from among the Divisions and the Fixed Interest Account, if available. Each quarter we transfer amounts among these options to bring the percentage of your Account Balance in each option back to your original allocation.
|
Standard |
None |
•In the future, we may permit You to allocate less than 100% of your Account Balance to this strategy. |
| Name of Benefit |
Purpose |
Is Benefit Standard or Optional? |
Maximum Fee |
Brief Description of Restrictions/ Limitations |
| The Index Selector® |
You may select one of five asset allocation models which are designed to correlate to various risk tolerance levels. Each quarter the percentage in each of the Divisions in which the model invests and any Fixed Interest Account is brought back to the selected model percentage by transferring
amounts among the Divisions and any Fixed Interest Account. |
Standard |
None |
•Benefit limits available investment options. |
| Systematic Withdrawal Program. |
Before the Maturity Date, You can arrange to have money sent to You at set intervals throughout the year. |
Optional |
None |
•Any applicable income and penalty taxes will apply on amounts withdrawn. Withdrawals in excess of the annual free withdrawal allowance may be subject to a withdrawal charge. •To elect systematic withdrawals You must have a Contract Value of at least
$5,000. |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| Global Equity |
American Funds Global Small Capitalization Fund* - Class 2 Capital Research and Management CompanySM |
0.91% |
-29.55% |
2.79% |
6.84% |
| US Equity |
American Funds Growth Fund - Class 2 Capital Research and Management CompanySM |
0.59% |
-29.94% |
11.14% |
13.64% |
| US Equity |
American Funds Growth-Income Fund - Class 2 Capital Research and Management CompanySM |
0.53% |
-16.50% |
7.83% |
11.54% |
| International Equity |
Baillie Gifford International Stock Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Baillie Gifford Overseas Limited (subsidiary of Baillie Gifford & Co.) |
0.73% |
-28.60% |
-0.23% |
4.45% |
| US Fixed Income |
BlackRock Bond Income Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC |
0.38% |
-14.15% |
0.32% |
1.55% |
| US Equity |
BlackRock Capital Appreciation Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC |
0.63% |
-37.61% |
7.68% |
11.66% |
| Allocation |
Brighthouse Asset Allocation 100 Portfolio - Class A Brighthouse Investment Advisers, LLC |
0.73% |
-19.89% |
5.44% |
8.94% |
| Allocation |
Brighthouse Asset Allocation 20 Portfolio* - Class A Brighthouse Investment Advisers, LLC |
0.63% |
-12.54% |
1.78% |
2.96% |
| Allocation |
Brighthouse Asset Allocation 40 Portfolio - Class A Brighthouse Investment Advisers, LLC |
0.62% |
-13.63% |
2.82% |
4.64% |
| Allocation |
Brighthouse Asset Allocation 60 Portfolio - Class A Brighthouse Investment Advisers, LLC |
0.65% |
-15.17% |
3.94% |
6.33% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| Allocation |
Brighthouse Asset Allocation 80 Portfolio - Class A Brighthouse Investment Advisers, LLC |
0.68% |
-17.71% |
4.79% |
7.79% |
| US Equity |
Brighthouse/Artisan Mid Cap Value Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Artisan Partners Limited Partnership |
0.76% |
-12.62% |
4.82% |
8.29% |
| US Fixed Income |
Brighthouse/Franklin Low Duration Total Return Portfolio* - Class B Brighthouse Investment Advisers, LLC Subadviser: Franklin Advisers, Inc. |
0.72% |
-4.74% |
0.50% |
0.85% |
| Allocation |
Brighthouse/Wellington Balanced Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP |
0.52% |
-17.08% |
5.67% |
8.30% |
| US Equity |
Brighthouse/Wellington Core Equity Opportunities Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP |
0.61% |
-5.08% |
11.45% |
12.78% |
| US Equity |
Brighthouse/Wellington Large Cap Research Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP |
0.54% |
-19.02% |
8.82% |
12.46% |
| Sector |
CBRE Global Real Estate Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: CBRE Investment Management Listed Real Assets LLC |
0.64% |
-24.71% |
2.06% |
3.77% |
| US Equity |
Frontier Mid Cap Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Frontier Capital Management Company, LLC |
0.70% |
-28.15% |
6.39% |
10.57% |
| International Equity |
Harris Oakmark International Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Harris Associates L.P. |
0.72% |
-15.78% |
-1.70% |
4.41% |
| Global Equity |
Invesco Global Equity Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc. |
0.58% |
-31.70% |
3.03% |
8.05% |
| US Equity |
Invesco Small Cap Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc. |
0.81% |
-35.04% |
4.47% |
10.10% |
| US Equity |
Jennison Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Jennison Associates LLC |
0.54% |
-38.87% |
8.40% |
13.05% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| US Equity |
Loomis Sayles Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Loomis, Sayles & Company, L.P. |
0.57% |
-27.86% |
5.54% |
10.34% |
| US Equity |
Loomis Sayles Small Cap Core Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Loomis, Sayles & Company, L.P. |
0.88% |
-15.06% |
5.32% |
9.89% |
| US Equity |
Loomis Sayles Small Cap Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Loomis, Sayles & Company, L.P. |
0.86% |
-22.96% |
7.75% |
11.62% |
| US Fixed Income |
MetLife Aggregate Bond Index Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.27% |
-13.09% |
-0.18% |
0.82% |
| US Equity |
MetLife Mid Cap Stock Index Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.29% |
-13.26% |
6.45% |
10.51% |
| International Equity |
MetLife MSCI EAFE® Index Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.38% |
-14.47% |
1.40% |
4.39% |
| US Equity |
MetLife Russell 2000® Index Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.31% |
-20.23% |
4.09% |
9.00% |
| US Equity |
MetLife Stock Index Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.26% |
-18.30% |
9.16% |
12.28% |
| International Equity |
MFS® Research International Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Massachusetts Financial Services Company |
0.64% |
-17.30% |
3.08% |
5.02% |
| Allocation |
MFS® Total Return Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Massachusetts Financial Services Company |
0.60% |
-9.63% |
5.19% |
7.39% |
| US Equity |
MFS® Value Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Massachusetts Financial Services Company |
0.56% |
-5.98% |
7.51% |
11.28% |
| US Equity |
Morgan Stanley Discovery Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Morgan Stanley Investment Management Inc. |
0.65% |
-62.47% |
5.73% |
8.62% |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| US Equity |
Neuberger Berman Genesis Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Neuberger Berman Investment Advisers LLC |
0.80% |
-19.15% |
7.70% |
10.74% |
| US Fixed Income |
PIMCO Total Return Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Pacific Investment Management Company LLC |
0.49% |
-14.34% |
0.04% |
1.07% |
| US Equity |
T. Rowe Price Large Cap Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc. |
0.57% |
-40.46% |
4.93% |
11.29% |
| US Equity |
T. Rowe Price Mid Cap Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc. |
0.70% |
-22.33% |
7.44% |
12.18% |
| US Equity |
T. Rowe Price Small Cap Growth Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc. |
0.50% |
-22.15% |
6.11% |
11.35% |
| US Equity |
Victory Sycamore Mid Cap Value Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Victory Capital Management, Inc. |
0.59% |
-2.45% |
10.12% |
10.43% |
| US Fixed Income |
Western Asset Management Strategic Bond Opportunities Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Western Asset Management Company, LLC (Legg Mason) |
0.55% |
-16.66% |
0.18% |
2.19% |
| US Fixed Income |
Western Asset Management U.S. Government Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Western Asset Management Company, LLC (Legg Mason) |
0.49% |
-9.01% |
0.19% |
0.68% |
| |
Qualified Deferred and Income Annuities |
Non-Qualified Deferred Annuities and Income Annuities |
| California(1) |
0.5% |
2.35% |
| Colorado |
0.00% |
2.00% |
| Florida(2) |
1.0% |
1.0% |
| Maine(3) |
0.0% |
2.0% |
| Nevada(4) |
0.0% |
3.5% |
| Puerto Rico(5) |
1.0% |
1.0% |
| South Dakota(6) |
0.0% |
1.25% |
| Wyoming(4) |
0.0% |
1.0% |
| |
FEES AND EXPENSES |
LOCATION IN PROSPECTUS | ||
| Charges for Early Withdrawals |
If you withdraw money from the Contract within 8 years following your contract effective date, you will be assessed a Withdrawal Charge of up to 7% of the amount withdrawn. This Withdrawal Charge doesn't apply to the Enhanced Contracts or the VAR Contracts and is currently being waived for all Contracts. For example, if you make an early withdrawal, you could pay a Withdrawal Charge of up to $7,000 on a $100,000 withdrawal. |
Fees | ||
| Transaction Charges |
There are no transaction charges, other than the VAR Contracts, which may have assessed a charge for certain transactions, such as when you make a purchase payment, assign a portion of your contract, receive an income payment or make a withdrawal. All of these charges are currently being waived. |
| ||
| |
FEES AND EXPENSES |
LOCATION IN PROSPECTUS | ||
| Ongoing Fees and Expenses (annual charges) |
Minimum and Maximum Annual Fee Table. The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. |
Fees | ||
| Annual Fee |
Minimum |
Maximum | ||
| Base Contract (varies by Contract class) |
1.04%(1) |
1.59%(1) | ||
| Investment options (Portfolio fees and expenses) |
0.28%(2) |
0.75%(2) | ||
| (1) Account. The Base Contract Fee includes 0.09% for the Annual Contract Charge. Once each calendar year, we will deduct a $15 Annual Contract Charge from your Separate Account Balance and a $15 Annual Contract Charge from your Fixed Interest Account (other than for the VAR contracts). In addition, if your entire Account Balance is withdrawn to make payment to you or to another funding vehicle, the amount withdrawn will be reduced
by the amount of any unpaid Annual Contract Charge before we make a payment. The Annual Contract Charge deduction from the Separate Account will be divided equally among the Divisions in which you are participating when the deduction is made. The Annual Contract Charge will be prorated for each month, or part of a month, in which you have an Account Balance. For certain Enhanced Contracts, the Employer may pay all or part of the Annual Contract Charge. The administrative fees for the VAR Contracts are currently waived. If not waived, the administrative
fees would be $2.00 per month for VAR 2 contracts and $6.00 per year for VAR 3 contracts. (2) | ||||
| Because your Contract is customizable, the choices you make affect how much you will pay. To help understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add surrender charges that substantially increase costs, if we were not waiving surrender charges. | ||||
| |
Lowest Annual Cost: |
Highest Annual Cost: |
| |
| $1,720 |
$2,108 | |||
| •Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Portfolio fees and expenses •No optional benefits available •No additional purchase payments, transfers or withdrawals |
•Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of Portfolio fees and expenses •No additional purchase payments, transfers or withdrawals | |||
| |
RISKS |
LOCATION IN PROSPECTUS | ||
| Risk of Loss |
You can lose money by investing in the Contract, including loss of principal. |
| ||
| Not a Short-Term Investment |
This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. •We are waiving all surrender charges. If we were to stop waiving surrender charges, such charges would reduce the value of your Contract if you withdraw money during that time. •The benefits of tax deferral mean that the Contract is more beneficial to investors with a long time horizon. •Earnings on your Contract are taxed at ordinary income tax rates when
you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 1∕2. |
Principal Risks of Investing in the Contract | ||
| Risks Associated with Investment Options |
•An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolios). •Each investment option (including any Fixed Interest Account investment option) will have its own unique risks. •You should review these investment options before making an investment decision. |
Principal Risks of Investing in the Contract | ||
| Risk of Contract Termination |
Subject to certain limitations, if your Account Balance falls below the minimum Account Balance or is not sufficient to pay the Contract charges, we may terminate your Contract. |
Principal Risks of Investing in the Contract | ||
| Insurance Company Risks |
Contracts are subject to the risks related to MetLife, including any obligations (including under any Fixed Interest Account investment options), guarantees, and benefits of the Contract are subject to the claims-paying ability of MetLife. If MetLife experiences financial distress, it may not be able to meet its obligations to you. More information about the Company, including its financial strength ratings, is available by visiting www.metlife.com. |
Principal Risks of Investing in the Contract | ||
| |
RESTRICTIONS |
LOCATION IN PROSPECTUS | ||
| Investments |
Withdrawals or transfers must be at least $250 (or the entire balance in a Division, if less). You may make 12 transfers each calendar year (including transfers from the Fixed Interest Account to the Separate Account). We reserve the right to add, remove or substitute Portfolios. The Company also has policies and procedures that attempt to detect and deter frequent transfers in situations where we determine there is a potential for arbitrage trading, and in those instances, there are additional limits that apply to transfers. |
Withdrawals and Transfers | ||
| |
TAXES |
LOCATION IN PROSPECTUS | ||
| Tax Implications |
•You should consult with a tax professional to determine the tax implications of an investment in and purchase payments received under the Contract. •There is no additional tax benefit if you purchase the Contract through a tax-qualified plan or individual retirement account (IRA). •Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 1∕2.
|
Federal Tax Considerations | ||
| |
CONFLICTS OF INTEREST |
LOCATION IN PROSPECTUS | ||
| Investment Professional Compensation |
Your investment professional may receive compensation for selling this Contract to you, both in the form of commissions and because MetLife may share the revenue it earns on this Contract with the professional’s firm. This conflict of interest may influence your investment professional to recommend this Contract over another investment. |
Other Information - Distribution of the Contracts | ||
| Exchanges |
Some investment professionals may have a financial incentive to offer you a new contract in place of the one you own. You should only exchange your Contract if you determine, after comparing the features, fees, and risks of both contracts, that it is better for you to purchase the new contract rather than continue to own your existing Contract. |
Other Information - Distribution of the Contracts | ||
| Withdrawal Charge (as a percentage of the amount withdrawn)(1) |
7% |
| Sales Load imposed on purchase payments(2) |
8.5% |
| Administrative Expenses(1) |
$30 |
| Base Contract Expenses (as a percentage of average daily account balance) |
1.50% |
| |
Minimum |
Maximum |
| Annual Portfolio Company Expenses (expenses that are deducted from Portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses) |
0.28% |
0.75% |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$2,000 |
$6,183 |
$10,620 |
$22,931 |
| Minimum |
$1,530 |
$4,752 |
$8,201 |
$17,926 |
| |
1 Year |
3 Years |
5 Years |
10 Years |
| If you annuitize or do not surrender your Contract at the end of the applicable time period |
|
|
|
|
| Maximum |
$2,000 |
$6,183 |
$10,620 |
$22,931 |
| Minimum |
$1,530 |
$4,752 |
$8,201 |
$17,926 |
| FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
| 1 YEAR |
5 YEAR |
10 YEAR | |||
| US Fixed Income |
BlackRock Bond Income Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC |
0.38% |
-14.15% |
0.32% |
1.55% |
| US Fixed Income |
BlackRock Ultra-Short Term Bond Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC |
0.36% |
1.44% |
1.12% |
0.68% |
| Allocation |
Brighthouse/Wellington Balanced Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP |
0.52% |
-17.08% |
5.67% |
8.30% |
| US Equity |
Brighthouse/Wellington Large Cap Research Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP |
0.54% |
-19.02% |
8.82% |
12.46% |
| US Equity |
Frontier Mid Cap Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Frontier Capital Management Company, LLC |
0.70% |
-28.15% |
6.39% |
10.57% |
| US Equity |
MetLife Stock Index Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
0.26% |
-18.30% |
9.16% |
12.28% |
| Jurisdiction |
Contracts Used With Tax Qualified Retirement Plans |
All Other Contracts |
| California |
0.50%* |
2.35% |
| Colorado |
— |
2.00% |
| Florida(1) |
1.00% |
1.00% |
| Maine(2) |
— |
2.00% |
| Nevada |
— |
3.50% |
| Puerto Rico(3) |
1.00% |
1.00% |
| South Dakota(4) |
— |
1.25% |
| Wyoming |
— |
1.00% |
| |
Page |
| SAI-3 | |
| SAI-3 | |
| SAI-3 | |
| SAI-4 | |
| SAI-4 | |
| SAI-4 | |
| SAI-4 | |
| SAI-5 | |
| SAI-5 | |
| SAI-5 | |
| SAI-6 | |
| SAI-7 | |
| SAI-7 | |
| SAI-8 | |
| SAI-8 | |
| SAI-8 | |
| SAI-8 | |
| SAI-8 | |
| SAI-9 | |
| SAI-9 | |
| SAI-10 | |
| SAI-11 | |
| SAI-11 | |
| SAI-11 | |
| SAI-11 | |
| SAI-12 |
| Year |
Underwriting Commissions Underwriting Commissions Paid to the Distributor by the Company |
Amount of Underwriting Commissions Retained by the Distributor |
| 2022 |
$11,233,041 |
$0 |
| 2021 |
$13,888,299 |
$0 |
| 2020 |
$13,036,463 |
$0 |
| 1. Annuity Unit Value, beginning of period |
$10.20 |
| 2. “Experience factor” for period |
1.023558 |
| 3. Daily adjustment for 3% Assumed Investment Return |
1.000081 |
| 4. (2) ÷ (3) |
1.023475 |
| 5. Annuity Unit Value, end of period (1) × (4) |
$10.44 |
| 1. Number of Accumulation Units as of Annuity Date |
1,500.00 |
| 2. Accumulation Unit Value |
$11.80 |
| 3. Accumulation Value of the Deferred Annuity (1) × (2) |
$17,700.00 |
| 4. First monthly income payment per $1,000 of Accumulation Value |
$5.52 |
| 5. First monthly income payment (3) × (4) ÷ 1,000 |
$97.70 |
| 6. Assume Annuity Unit Value as of Annuity Date equal to (see Illustration of Calculation of Annuity Unit Value above) |
$10.80 |
| 7. Number of Annuity Units (5) ÷ (6) |
9.0463 |
| 8. Assume Annuity Unit Value for the second month equal to (10 days prior to payment) |
$10.97 |
| 9. Second monthly Annuity Payment (7) × (8) |
$99.24 |
| 10. Assume Annuity Unit Value for third month equal to |
$10.53 |
| 11. Next monthly Annuity Payment (7) × (10) |
$95.26 |
| Capital Gains |
Dividends |
Other |
| 23.8% |
40.8% |
40.8% |
| Plan Type |
Elective Contribution |
Catch-up Contribution |
| IRA (Traditional and Roth) |
$6,500 |
$1,000 |
| SIMPLE |
$15,500* |
$3,500 |
| 401(k) |
$22,500* |
$7,500 |
| SEP/401(a) |
(Employer contributions only) | |
| 403(b) (TSA) |
$22,500* |
$7,500 |
| 457(b) |
$22,500* |
$7500 |
| (a) |
|
Board of Directors Resolution. Resolution of the Board of Directors of Metropolitan Life establishing Separate |
| (b) |
|
Custodian Agreements. Not applicable. |
| (c) |
|
Underwriting Contracts. |
| |
(1) |
|
| |
(2) |
|
| |
(2)(i) |
|
| (d) |
|
Contracts. |
| |
(1) |
|
| |
(1)(i) |
|
| |
(1)(ii) |
|
| |
(1)(iii) |
|
| |
(1)(iv) |
Form IRC Section 401 Group Annuity Contract (Preference Plus) (Oregon).2 |
| |
(1)(v) |
|
| |
(1)(vi) |
|
| |
(1)(vii) |
|
| |
(2) |
|
| |
(2)(i) |
|
| |
(2)(i)(A) |
|
| |
(2)(i)(B) |
Form of IRC Section 403(b) Group Annuity Contract (Enhanced Preference Plus Contract- Montefiore Medical Center, Maimonides Medical Center, The Mount Sinai Hospital).2 |
| |
(2)(i)(C) |
|
| |
(2)(i)(D) |
|
| |
(2)(i)(E) |
|
| |
(2)(ii) |
|
| |
(2)(iii) |
|
| |
(2)(iii)(A) |
Form of Certificate under IRC Section 403(b) Group Annuity Contract (Preference Plus) (Versions 1 and 2).2 |
| |
(2)(iii)(B) |
|
| |
(2)(iii)(C) |
|
| |
(2)(iii)(D) |
|
| |
(2)(iii)(E) |
|
| |
(2)(iii)(F) |
|
| |
(2)(iii)(G) |
Form of Certificate under IRC Section 403(b) Group Annuity Contract (Preference Plus, Enhanced Preference Plus, Financial Freedom) (Oregon).2 |
| |
(2)(iii)(H) |
Form of Endorsement under IRC Section 403(b) Group Annuity Contract (Preference Plus).2 |
| |
(2)(iii)(I) |
Form of Endorsement under Section 403(b) Group Annuity Contract (Preference Plus, Enhanced Preference Plus, Financial Freedom).2 |
| |
(2)(iv) |
Form of Texas Rider for Certificate under IRC Section 403(b) Group Annuity Contract (VestMet).2 |
| |
(2)(v) |
|
| |
(2)(vi) |
|
| |
(2)(vii) |
|
| |
(2)(viii) |
|
| |
(2)(ix) |
|
| |
(2)(x) |
|
| |
(2)(xi) |
|
| |
(2)(xii) |
|
| |
(2)(xiii) |
|
| |
(2)(xiv) |
|
| |
(2)(xv) |
|
| |
(3) |
|
| |
(3)(i)(A) |
Form of IRC Section 408 Simplified Employee Pension Contract (Preference Plus) (Version 2).2 |
| |
(3)(i)(B) |
Amended Form of IRC Section 408 Simplified Employee Pension Contract (Preference Plus).2 |
| |
(3)(i)(C) |
Form of IRC Section 408 Simplified Employee Pension Contract (Preference Plus) (Oregon).2 |
| |
(3)(i) |
Form of IRC Section 408 Simplified Employee Pension Contract (Illinois, Minnesota) (VestMet). 15 |
| |
(3)(ii) |
Form of IRC Section 408 Simplified Employee Pension Contract (Michigan) (VestMet).2 |
| |
(3)(iii) |
Form of IRC Section 408 Simplified Employee Pension Contract (New York) (VestMet).15 |
| |
(3)(iv) |
|
| |
(3)(v) |
|
| |
(3)(vi) |
|
| |
(3)(vii) |
|
| |
(3)(viii) |
|
| |
(4) |
|
| |
(4)(i)(A) |
|
| |
(4)(i)(B) |
|
| |
(4)(i)(C) |
Form of IRC Section 408 Individual Retirement Annuity Contract (Preference Plus) (Oregon).2 |
| |
(4)(i) |
|
| |
(4)(ii) |
|
| |
(4)(iii) |
Form of IRC Section 408 Individual Retirement Annuity Contract (Illinois, Minnesota) (VestMet).15 |
| |
(4)(iv) |
Form of IRC Section 408 Individual Retirement Annuity Contract (Michigan) (VestMet).2 |
| |
(4)(v) |
|
| |
(4)(vi) |
|
| |
(4)(vii) |
|
| |
(4)(viii) |
| |
(4)(ix) |
|
| |
(4)(x) |
|
| |
(4)(xi) |
|
| |
(4)(xii) |
|
| |
(4)(xiii) |
|
| |
(5) |
|
| |
(5)(1) |
|
| |
(5)(i) |
|
| |
(5)(i)(A) |
Form of Certificate under IRC Section 408 Group Individual Retirement Annuity Contract (Preference Plus).2 |
| |
(5)(i)(B) |
|
| |
(5)(i)(C) |
Form of Certificate under IRC Section 408 Group Individual Retirement Annuity Contract (Oregon).2 |
| |
(5)(i)(D) |
|
| |
(6) |
|
| |
(6)(i) |
|
| |
(6)(ii) |
|
| |
(6)(iii) |
|
| |
(6)(iv) |
|
| |
(6)(v) |
|
| |
(6)(vi) |
|
| |
(7) |
|
| |
(7)(1) |
|
| |
(7)(i)(A) |
|
| |
(7)(i)(B) |
Form of Non-Qualified Contract (Preference Plus) (Oregon).2 |
| |
(7)(i) |
|
| |
(7)(ii) |
|
| |
(7)(iii) |
|
| |
(7)(iv) |
|
| |
(8) |
|
| |
(8)(i) |
|
| |
(8)(i)(A) |
|
| |
(8)(i)(A)(i) |
Form of Certificate under Non-Qualified Group Contract (Preference Plus-Enhanced Contract; Enhanced Preference Plus).2 |
| |
(8)(i)(A)(ii) |
Form of Certificate under Non-Qualified Group Contract (Preference Plus-Enhanced Contract; Enhanced Preference Plus) (Oregon).2 |
| |
(8)(i)(B) |
| |
(8)(i)(C) |
|
| |
(8)(i)(D) |
Form of Endorsement Concerning Nursing Home or Terminal Illness.2 |
| |
(8)(i)(E) |
|
| |
(8)(i)(F) |
|
| |
(9) |
|
| |
(10) |
|
| |
(11) |
|
| |
(12) |
|
| |
(13) |
Specimen of Flexible-Purchase Variable Annuity Contract for Metropolitan Variable Account A.1 |
| |
(14) |
|
| |
(15) |
|
| |
(15)(i) |
|
| |
(15)(ii) |
|
| |
(15)(iii) |
|
| |
(15)(iv) |
Form of Certificate under IRC Section 403(a) Group Annuity Contract (Oregon).2 |
| |
(16) |
|
| |
(17) |
Form of Single Premium Immediate Income Payment Certificate (Enhanced Preference Plus and Financial Freedom).2 |
| |
(18) |
|
| |
(18)(i) |
|
| |
(18)(ii) |
|
| |
(19) |
|
| |
(19)(i) |
|
| |
(19)(ii) |
|
| |
(19)(iii) |
|
| |
(19)(iv) |
|
| |
(19)(v) |
|
| |
(19)(vi)(A) |
|
| |
(19)(vi)(B) |
|
| |
(20) |
|
| |
(21) |
|
| |
(22) |
|
| |
(23) |
| |
(24) |
|
| |
(24)(i)(A) |
|
| |
(24)(i)(B) |
|
| |
(24)(i)(C) |
|
| |
(25) |
|
| |
(26) |
|
| |
(27) |
|
| |
(28) |
|
| |
(28)(i) |
|
| |
(29) |
|
| |
(30) |
|
| |
(31) |
|
| (e) |
|
Applications. |
| |
(1) |
|
| |
(2) |
|
| |
(2)(i) |
|
| |
(3) |
|
| |
(3)(i) |
|
| |
(4) |
Enrollment Form with respect to the IRC Section 403(b) Group Contract and the IRC Section 457 Group Annuity Contract.2 |
| |
(4)(i) |
403(b) Tax Deferred Annuity Customer Agreement Acknowledgement.2 |
| |
(4)(ii) |
Enrollment Form with respect to the IRC Section 403(b) Group Annuity Contract (Enhanced Preference Plus TSA).2 |
| |
(4)(iii) |
|
| |
(5) |
|
| |
(6) |
Application for an IRC Section 408 Simplified Employee Pension, IRA and Non-Qualified Deferred Annuities (Preference Plus).2 |
| |
(6)(i) |
|
| |
(7) |
|
| |
(7)(i) |
|
| |
(7)(ii) |
|
| |
(7)(iii) |
|
| |
(7)(iv) |
|
| |
(8)(i) |
|
| |
(8)(ii) |
|
| |
(8)(iii) |
Enrollment Form for Group IRA Rollover Annuity (Preference Plus-Enhanced Contract).2 |
| |
(8)(iv) |
Enrollment Form for Group Non-Qualified Supplemental Savings (Preference Plus-Enhanced Contract).2 |
| |
(9) |
|
| |
(9)(i) |
|
| |
(9)(ii) |
|
| |
(9)(iii) |
|
| |
(9)(iv) |
|
| |
(10) |
|
| |
(10)(i) |
|
| |
(10)(ii) |
|
| |
(10)(iii) |
|
| |
(10)(iv) |
|
| |
(10)(v) |
|
| |
(10)(vi) |
|
| (f) |
|
Depositor’s Certificate of Incorporation and By-Laws. |
| |
(1) |
|
| |
(2) |
|
| (g) |
|
Reinsurance Contracts. Not applicable. |
| (h) |
|
Participation Agreements. |
| |
(1) |
|
| |
(1)(i) |
|
| |
(1)(ii) |
|
| |
(2) |
|
| |
(2)(i) |
|
| |
(2)(ii) |
|
| |
(2)(iii) |
|
| |
(2)(iv) |
|
| |
(3) |
|
| |
(4) |
|
| |
(4)(i) |
|
| |
(4)(ii) |
|
| |
(4)(iii) |
|
| |
(4)(iv) |
|
| |
(5) |
|
| |
(5)(i) |
|
| |
(5)(ii) |
|
| |
(5)(iii) |
|
| |
(6) |
|
| |
(6)(i) |
|
| |
(7) |
|
| |
(8) |
|
| |
(9) |
|
| |
(10)(i) |
|
| |
(10)(ii) |
|
| (i) |
|
Administrative Contracts. Not applicable. |
| (j) |
|
Other Material Contracts. Not applicable. |
| (k) |
|
|
| (l) |
|
|
| (m) |
|
Omitted Financial Statements. Not applicable. |
| (n) |
|
Initial Capital Agreements. Not applicable. |
| (o) |
|
Form of Initial Summary Prospectus.44 |
| |
(1) |
|
| |
(2) |
|
| |
(3) |
|
| (p) |
(i) |
|
| |
(ii) |
| EX-101.INS |
XBRL Instance Document – the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the inline XBRL document |
| EX-101.SCH |
XBRL Taxonomy Extension Schema Document |
| EX-101.CAL |
XBRL Taxonomy Extension Calculation Linkbase Document |
| EX-101.DEF |
XBRL Taxonomy Extension Definition Linkbase Document |
| EX-101.LAB |
XBRL Taxonomy Extension Labels Linkbase Document |
| EX-101.PRE |
XBRL Taxonomy Extension Presentation Linkbase Document |
| Name and Principal Business Address |
Positions and Offices with Depositor |
| Chairman of the Board and Director | |
| President, Chief Executive Officer and Director | |
| Director | |
| Director | |
| Director |
| Name and Principal Business Address |
Positions and Offices with Depositor |
| Director | |
| Director | |
| Director | |
| Director | |
| Director | |
| Director | |
| Director | |
| Director | |
| Director |
| NAME |
POSITIONS WITH DEPOSITOR |
| Michel A. Khalaf |
President and Chief Executive Officer |
| NAME |
POSITIONS WITH DEPOSITOR |
| Marlene Debel |
Executive Vice President and Chief Risk Officer |
| Stephen W. Gauster |
Executive Vice President and General Counsel |
| John Dennis McCallion |
Executive Vice President and Chief Financial Officer |
| Lyndon Oliver |
Executive Vice President and Treasurer |
| Bill Pappas |
Executive Vice President, Global Technology & Operations |
| Tamara Schock |
Executive Vice President and Chief Accounting Officer |
| Ramy Tadros |
President, U.S. Business |
| Steven J. Goulart |
Executive Vice President and Chief Investment Officer |
| Kishore Ponnavolu |
President, Asia |
| A. |
Metropolitan Life Insurance Company (“MLIC”) (NY) | ||||||||
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1. |
500 Grant Street GP LLC (DE) | |||||||
| |
2. |
500 Grant Street Associates Limited Partnership (CT) - 99% of 500 Grant Street Associates Limited Partnership is held by Metropolitan Life Insurance Company and 1% by 500 Grant Street GP LLC. | |||||||
| |
3. |
MLIC CB Holdings LLC (DE) | |||||||
| |
4. |
MetLife Retirement Services LLC (NJ) | |||||||
| |
5. |
MLIC Asset Holdings LLC (DE) | |||||||
| |
6. |
ML Bellevue Member, LLC (DE) | |||||||
| |
7. |
ML Clal Member, LLC (DE) | |||||||
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8. |
CC Holdco Manager, LLC (DE) | |||||||
| |
9. |
Euro CL Investments, LLC (DE) | |||||||
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10. |
MetLife Holdings, Inc. (DE) | |||||||
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|
a. |
MetLife Credit Corp. (DE) | ||||||
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b. |
MetLife Funding, Inc. (DE) | ||||||
| |
11. |
6104 Hollywood, LLC (DE) | |||||||
| |
12. |
1350 Eye Street Owner LLC (DE) - 95.616439% of 1350 Eye Street Owner LLC is owned by Metropolitan Life insurance Company and 4.383561% is owned by Metropolitan Tower Life Insurance Company. | |||||||
| |
13. |
MetLife Securitization Depositor LLC (DE) | |||||||
| |
14. |
WFP 1000 Holding Company GP, LLC (DE) | |||||||
| |
15. |
MTU Hotel Owner, LLC (DE) | |||||||
| |
16. |
MetLife Water Tower Owner LLC | |||||||
| |
17. |
Missouri Reinsurance, Inc. (CYM) | |||||||
| |
18. |
The Building at 575 Fifth Avenue Mezzanine LLC (DE) | |||||||
| |
|
a. |
The Building at 575 Fifth Retail Holding LLC (DE) | ||||||
| |
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|
1) |
The Building at 575 Fifth Retail Owner LLC (DE) | |||||
| |
19. |
23rd Street Investments, Inc. (DE) | |||||||
| |
|
a. |
MetLife Capital Credit L.P. (DE)- 1% General Partnership interest is held by 23rd Street Investments, Inc. and 99% Limited Partnership interest is held by Metropolitan Life Insurance Company. | ||||||
| |
|
b. |
MetLife Capital Limited Partnership (DE)- 1% General Partnership interest is held by 23rd Street Investments, Inc. and 99% Limited Partnership interest is held by Metropolitan Life Insurance Company. | ||||||
| |
|
c. |
Long Island Solar Farm LLC (DE) - 90.39% membership interest is held by LISF Solar Trust in which MetLife Capital Limited Partnership has a 100% beneficial interest and the remaining 9.61% is owned by a third-party. | ||||||
| |
|
|
1) |
Met Canada Solar ULC (CAN) | |||||
| |
20. |
Plaza Drive Properties, LLC (DE) | |||||||
| |
21. |
White Oak Royalty Company (OK) | |||||||
| |
22. |
Metropolitan Tower Realty Company, Inc. (DE) | |||||||
| |
23. |
Midtown Heights, LLC (DE) | |||||||
| |
24. |
MetLife Legal Plans, Inc. (DE) | |||||||
| |
|
a. |
METLIFE LEGAL PLANS OF FLORIDA, INC. (FL) | ||||||
| |
25. |
MetLife Next Gen Ventures, LLC (DE) | |||||||
| |
26. |
MetLife Properties Ventures, LLC (DE) | |||||||
| |
27. |
MET 1065 HOTEL, LLC (DE) | |||||||
| |
28. |
ML MMIP Member, LLC (DE) | |||||||
| |
29. |
Transmountain Land & Livestock Company (MT) | |||||||
| |
30. |
MEX DF Properties, LLC (DE) | |||||||
| |
31. |
PREFCO Fourteen, LLC (DE) | |||||||
| |
32. |
ML HS Member LLC (DE) | |||||||
| |
33. |
MetLife Tower Resources Group, Inc. (DE) | |||||||
| |
34. |
MSV Irvine Property, LLC (DE) - 4% of MSV Irvine Property, LLC is owned by Metropolitan Tower Realty Company, Inc. and 96% is owned by Metropolitan Life Insurance Company. | |||||||
| |
35. |
Housing Fund Manager, LLC (DE) | |||||||
| |
|
a. |
MTC Fund I, LLC (DE) - Housing Fund Manager, LLC is the managing member and owns .01% and the remaining interests are held by a third-party member. | ||||||
| |
|
b. |
MTC Fund II, LLC (DE) - Housing Fund Manager, LLC is the managing member and owns .01% and the remaining interests are held by a third-party member. | ||||||
| |
|
c. |
MTC Fund III, LLC (DE) - Housing Fund Manager, LLC is the managing member and owns .01% and the remaining interests are held by a third-party member. | ||||||
| |
36. |
Corporate Real Estate Holdings, LLC (DE) | |||||||
| |
37. |
St. James Fleet Investments Two Limited (CYM) | |||||||
| |
|
a. |
OMI MLIC Investments Limited (CYM) | ||||||
| |
38. |
MetLife CC Member, LLC (DE) - 95.122% of MetLife CC Member, LLC is owned by Metropolitan Life Insurance Company and 4.878% is owned by Metropolitan Tower Life Insurance Company. | |||||||
| |
39. |
150 North Riverside PE Member, LLC (DE) - MLIC owns an 81.45% membership interest and Metropolitan Tower Life Insurance Company owns a 18.55% membership interest | |||||||
| |
40. |
ML PORT CHESTER SC MEMBER, LLC (DE) - Metropolitan Life Insurance Company owns 60% and 40% is owned by Metropolitan Tower Life Insurance Company | |||||||
| |
41. |
MetLife 555 12th Member, LLC (DE) - 89.84% is owned by MLIC and 10.16% by Metropolitan Tower Life Insurance Company. | |||||||
| |
42. |
ML Southlands Member, LLC (DE) - Metropolitan Life Insurance Company owns 60% and 40% by Metropolitan Tower Life Insurance Company. | |||||||
| |
43. |
ML Cerritos TC Member, LLC (DE) - Metropolitan Life Insurance Company owns 60% and 40% by Metropolitan Tower Life Insurance Company. | |||||||
| |
44. |
ML Swan Mezz, LLC (DE) | |||||||
| |
|
a. |
ML Swan GP, LLC (DE) | ||||||
| |
45. |
ML Dolphin Mezz, LLC (DE) | |||||||
| |
|
a. |
ML Dolphin GP, LLC (DE) | ||||||
| |
46. |
Haskell East Village, LLC (DE) | |||||||
| |
47. |
ML Sloan’s Lake Member, LLC (DE) | |||||||
| |
48. |
ML Southmore, LLC (DE) - 99% of ML Southmore, LLC is owned by MLIC and 1% by Metropolitan Tower Life Insurance Company. | |||||||
| |
49. |
ML Terminal 106 Member, LLC (DE) | |||||||
| |
50. |
Boulevard Residential, LLC (DE) | |||||||
| |
51. |
MetLife Ontario Street Member, LLC (DE) | |||||||
| |
52. |
Pacific Logistics Industrial South, LLC (DE) | |||||||
| |
53. |
METLIFE ASHTON AUSTIN OWNER, LLC (DE) | |||||||
| |
54. |
METLIFE ACOMA OWNER, LLC (DE) | |||||||
| |
55. |
1201 TAB Manager, LLC (DE) | |||||||
| |
56. |
MetLife 1201 TAB Member, LLC (DE) | |||||||
| |
57. |
MetLife LHH Member, LLC (DE) - 99% of MetLife LHH Member, LLC is owned by Metropolitan Life Insurance Company and 1% is owned by Metropolitan Tower Life Insurance Company. | |||||||
| |
58. |
ML 300 THIRD MEMBER LLC (DE) | |||||||
| |
59. |
MNQM TRUST 2020 (DE) | |||||||
| |
60. |
MetLife RC SF Member, LLC (DE) | |||||||
| |
61. |
Oconee Hotel Company, LLC (DE) | |||||||
| |
62. |
Oconee Land Company, LLC (DE) | |||||||
| |
|
a. |
Oconee Land Development Company, LLC (DE) | ||||||
| |
|
b. |
Oconee Golf Company, LLC (DE) | ||||||
| |
|
c. |
Oconee Marina Company, LLC (DE) | ||||||
| |
63. |
ML Hudson Member, LLC (DE) | |||||||
| |
64. |
MLIC Asset Holdings II LLC (DE) | |||||||
| |
65. |
MCJV, LLC (DE) | |||||||
| |
66. |
ML Sentinel Square Member, LLC (DE) | |||||||
| |
67. |
MetLife THR Investor, LLC (DE) | |||||||
| |
68. |
ML MATSON MILLS MEMBER LLC (DE) | |||||||
| |
69. |
ML University Town Center Member, LLC (DE) - 87% of ML University Town Center Member, LLC is owned by Metropolitan Life Insurance Company and 13% is owned by Metropolitan Tower Life Insurance Company. | |||||||
| |
70. |
Southcreek Industrial Holdings, LLC (DE) | |||||||
| |
71. |
ML OMD Member, LLC (DE) | |||||||
| |
72. |
MetLife OFC Member, LLC (DE) | |||||||
| |
73. |
MetLife Camino Ramon Member, LLC (DE) - 99% of MetLife Camino Ramon Member, LLC is owned by MLIC and 1% by Metropolitan Tower Life Insurance Company. | |||||||
| |
74. |
MetLife 425 MKT Member, LLC (DE) | |||||||
| |
75. |
MetLife GV Owner LLC (DE) - MetLife Japan GV GP LLC is the general partner of MetLife Japan GHV (Hotel) Fund LP.; MetLife Japan GHV (Hotel) Fund LP is owned (i) 55.865222% by MetLife GV Owner LLC, (ii) 10.027182% by MTL GV Owner LLC, and (iii) 34.107596% by MetLife Japan Owner (Blocker) LLC. | |||||||
| |
76. |
MMP OWNERS III, LLC (DE) | |||||||
| |
|
a. |
METLIFE MULTI-FAMILY PARTNERS III, LLC (DE) | ||||||
| |
|
|
1) |
MMP HOLDINGS III, LLC (DE) | |||||
| |
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a) |
MMP CEDAR STREET REIT, LLC (DE) | ||||
| |
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(1) |
MMP CEDAR STREET OWNER, LLC (DE) | |||
| |
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b) |
MMP SOUTH PARK REIT, LLC (DE) | ||||
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(1) |
MMP SOUTH PARK OWNER, LLC (DE) | |||
| |
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c) |
MMP OLIVIAN REIT, LLC (DE) | ||||
| |
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|
(1) |
MMP Olivian Owner, LLC (DE) | |||
| |
77. |
MC Portfolio JV Member, LLC (DE) | |||||||
| |
78. |
Pacific Logistics Industrial North, LLC (DE ) | |||||||
| |
79. |
ML Armature Member, LLC (DE) - 87.34% of ML Armature Member, LLC is owned by Metropolitan Life Insurance Company and 12.66% is owned by Metropolitan Tower Life Insurance Company. | |||||||
| |
80. |
ML One Bedminster, LLC (DE) | |||||||
| |
81. |
ML-AI MetLife Member 2, LLC (DE) - 98.97% of ML-AI MetLife Member 2, LLC’s ownership interest is owned by MLIC and 1.03% by Metropolitan Tower Life Insurance Company. | |||||||
| |
82. |
ML-AI MetLife Member 3, LLC (DE) | |||||||
| |
83. |
ML-AI MetLife Member 4, LLC (DE) - 60% owned by MLIC and 40% owned by Metropolitan Tower Life Insurance Company | |||||||
| |
84. |
ML-AI MetLife Member 5, LLC (DE) | |||||||
| |
85. |
MetLife HCMJV 1 GP, LLC (DE) | |||||||
| |
86. |
MetLife HCMJV 1 LP, LLC (DE) | |||||||
| |
87. |
ML Corner 63 Member, LLC (DE) | |||||||
| |
88. |
MCRE BLOCK 40, LP (DE) | |||||||
| |
89. |
ML Mililani Member, LLC (DE)- is owned at 95% by MLIC and 5% by Metropolitan Tower Life Insurance Company. | |||||||
| |
90. |
MetLife Japan US Equity Owners LLC (DE) | |||||||
| |
91. |
Sino-US United MetLife Insurance Co., Ltd. - 50% of Sino-US United MetLife Insurance Company, Ltd. is owned by MLIC and 50% is owned by a third-party. | |||||||
| |
92. |
MMP Owners, LLC (DE) | |||||||
| |
93. |
10700 Wilshire, LLC (DE) | |||||||
| |
94. |
Chestnut Flats Wind, LLC (DE) | |||||||
| |
95. |
ML Terraces, LLC (DE) | |||||||
| |
96. |
Viridian Miracle Mile, LLC (DE) | |||||||
| |
97. |
MetLife Boro Station Member, LLC (DE) | |||||||
| |
98. |
MetLife FM Hotel Member, LLC (DE) | |||||||
| |
|
a. |
LHCW Holdings (U.S.) LLC (DE) | ||||||
| |
|
|
1) |
LHC Holdings (U.S.) LLC (DE) | |||||
| |
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|
|
a) |
LHCW Hotel Holdings LLC (DE) | ||||
| |
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|
(1) |
LHCW Hotel Holdings (2002) LLC (DE) | |||
| |
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(2) |
LHCW Hotel Operating Company (2002) LLC (DE) | |||
| |
99. |
White Tract II, LLC (DE) | |||||||
| |
100. |
MetLife 1007 Stewart, LLC (DE) | |||||||
| |
101. |
MetLife OBS Member, LLC (DE) | |||||||
| |
102. |
MetLife SP Holdings, LLC (DE) | |||||||
| |
|
a. |
MetLife Private Equity Holdings, LLC (DE) | ||||||
| |
103. |
MetLife Park Tower Member, LLC (DE) | |||||||
| |
|
a. |
Park Tower REIT, Inc. (DE) | ||||||
| |
|
|
1) |
Park Tower JV Member, LLC (DE) | |||||
| |
104. |
MCPP Owners, LLC (DE) | |||||||
| |
105. |
MetLife Chino Member, LLC (DE) | |||||||
| |
106. |
MetLife 8280 Member, LLC (DE) | |||||||
| |
107. |
MetLife Campus at SGV Member LLC (DE) | |||||||
| B. |
Versant Health, Inc. (DE) | ||||||||
| |
1. |
Versant Health Holdco, Inc . (DE) | |||||||
| |
|
a. |
Versant Health Consolidation Corp, (DE) | ||||||
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1) |
WDV Acquisition Corp, (DE) | |||||
| |
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a) |
Davis Vision, Inc. (NY) | ||||
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(1) |
Versant Health Lab, LLC (DE) | |||
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(2) |
DavisVision IPA, Inc. (NY) | |||
| |
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b. |
Superior Vision Holdings, Inc. (DE) | ||||||
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1) |
Superior Procurement, Inc. (DE) | |||||
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2) |
Superior Vision Services, Inc. (DE) | |||||
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a) |
Superior Vision Insurance, Inc. (AZ) | ||||
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c. |
Block Vision Holdings Corporation (DE) | ||||||
| |
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1) |
Vision Twenty-One Managed Eye Care IPA, Inc. (NY) | |||||
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2) |
Superior Vision Insurance Plan of Wisconsin, Inc. (WI) | |||||
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3) |
Vision 21 Physician Practice Management Company (FL) | |||||
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4) |
Superior Vision Benefit Management, Inc. (NJ) | |||||
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a) |
Vision 21 Managed Eye Care of Tampa Bay, Inc. (FL) | ||||
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b) |
Block Vision of Texas, Inc. (TX) | ||||
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c) |
UVC Independent Practice Association, Inc. (NY) | ||||
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d) |
MEC Health Care, Inc. (MD) | ||||
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e) |
Superior Vision of New Jersey, Inc. (NJ) | ||||
| C. |
Metropolitan Tower Life Insurance Company (NE) | ||||||||
| |
1. |
MTL Leasing, LLC (DE) | |||||||
| |
2. |
MetLife Assignment Company, Inc. (DE) | |||||||
| |
3. |
MTL HS Member LLC (DE) | |||||||
| |
4. |
MTL GV Owner LLC (DE) | |||||||
| D. |
SafeGuard Health Enterprises, Inc. (DE) | ||||||||
| |
1. |
MetLife Health Plans, Inc. (DE) | |||||||
| |
2. |
SafeGuard Health Plans, Inc. (CA) | |||||||
| |
3. |
SafeHealth Life Insurance Company (CA) | |||||||
| |
4. |
SafeGuard Health Plans, Inc. (FL) | |||||||
| |
5. |
SafeGuard Health Plans, Inc. (TX) | |||||||
| E. |
American Life Insurance Company (DE) | ||||||||
| |
1. |
BIDV MetLife Life Insurance Limited Liability Company (Vietnam) – 60.61% of BIDV MetLife Life Insurance Limited Liability Company is held by American Life Insurance Company and the remainder by third parties. | |||||||
| |
2. |
MetLife Insurance K.K. (Japan) | |||||||
| |
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1) |
Fortissimo Co. Ltd. (Japan) | |||||
| |
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2) |
MetLife Japan Water Tower Owner (Blocker) LLC (DE) | |||||
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3) |
MetLife Japan Owner (Blocker) LLC (DE) | |||||
| |
3. |
Borderland Investments Limited (DE) | |||||||
| |
|
a. |
ALICO Hellas Single Member Limited Liability Company (Greece) | ||||||
| |
4. |
MetLife Global Holding Company GmbH (Swiss) | |||||||
| |
|
a. |
MetLife, LIfe Insurance Company (Egypt) - 84.125% of MetLife, Life Insurance Company (Egypt) is owned by MetLife Global Holding Company I GmbH and the remaining interest by third parties. | ||||||
| |
|
b. |
MetLife Global Holding Company II GmbH (Swiss) | ||||||
| |
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|
1) |
MetLife Investment Management Holdings (Ireland) Limited (Ireland) and subsidiaries | |||||
| |
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2) |
Closed Joint-Stock Company Master-D (Russia) | |||||
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3) |
MetLife Colombia Seguros de Vida S.A. (Colombia) - 89.9999657134583% of MetLife Colombia Seguros de Vida S.A. is owned by MetLife Global Holding Company II GmbH, International Technical and Advisory Services Limited, Borderland Investments Limited and Natiloportem Holdings, LLC each own 10.0000315938813% is owned by MetLife Global Holding Company I GmbH, 0.000000897553447019009%. | |||||
| |
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4) |
PJSC MetLife (Ukraine) - 99.9988% of PJSC MetLife is owned by MetLife Global Holding Company II GmbH, .0006% is owned by International Technical and Advisory Services and the remaining .0006% is owned by Borderland Investments Limited. | |||||
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5) |
MetLife Emeklilik ve Hayat A.S. (Turkey) - 99.98% of MetLife Emeklilik ve Hayat A.S. is owned by MetLife Global Holding Company II GmbH (Swiss) and the remaining by third parties. | |||||
| |
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6) |
MetLife Reinsurance Company of Bermuda Ltd. (Bermuda) | |||||
| |
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7) |
MM Global Operations Support Center, S.A. de C.V. (Mexico) - 99.999509% of MM Global Operations Support Center, S.A. de C.V. Mexico is held by MetLife Global Holding Company II GmbH (Swiss) and 0.000491% is held by MetLife Global Holding Company I GmbH (Swiss). | |||||
| |
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a) |
Fundación MetLife Mexico, A.C. | ||||
| |
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8) |
MetLife International Holdings, LLC (DE) | |||||
| |
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a) |
Natiloportem Holdings, LLC (DE) | ||||
| |
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(1) |
Excelencia Operativa y Tecnologica, S.A. de C.V. (Mexico) - 99.9% of Excelencia Operativa y Tecnologica, S.A. de C.V. is held by Natiloportem Holdings, LLC and .1% by MetLife Mexico Servicios, S.A. de C.V. | |||
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(2) |
MetLife Servicios S.A. (Argentina) - 19.12% of the shares of MetLife Servicios S.A. are held by Compania Inversora MetLife S.A. 80.88% are held by Natiloportem Holdings, LLC. | |||
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b) |
MAXIS GBN S.A.S. (France) - 50% of MAXIS GBN S.A.S. is held by MetLife International Holdings, LLC and the remainder by third parties. | ||||
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(1) |
MAXIS Services, LLC (DE) | |||
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(a) |
MAXIS Insurance Brokerage Services, Inc. (DE) | ||
| |
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c) |
MetLife Asia Limited (Hong Kong) | ||||
| |
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d) |
MetLife International Limited, LLC (DE) | ||||
| |
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e) |
Compania Inversora MetLife S.A. (Argentina) - 95.46% is owned by MetLife International Holdings, LLC and 4.54% is owned by Natiloportem Holdings, LLC. | ||||
| |
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f) |
MetLife Mas, S.A. de C.V. (Mexico) - 99.99964399% MetLife Mas, S.A. de C.V. is owned by MetLife International Holdings, LLC and .00035601% is owned by International Technical and Advisory Services Limited. | ||||
| |
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g) |
MetLife Planos Odontologicos Ltda. (Brazil) - 99.999% is owned by MetLife International Holdings, LLC and 0.001% is owned by Natiloportem Holdings, LLC. | ||||
| |
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h) |
MetLife Global Holdings Corporation S.A. de C.V. (Ireland) - 98.9% is owned by MetLife International Holdings, LLC and 1.1% is owned by MetLife International Limited, LLC. | ||||
| |
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(1) |
Metropolitan Global Management, LLC (Ireland) - 99.7% is owned by MetLife Global Holdings Corporation S.A. de C.V. and 0.3% is owned by MetLife International Holdings, LLC. | |||
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(a) |
MetLife Insurance Company of Korea, Ltd. | ||
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i. |
MetLife Financial Services, Co., Ltd. (South Korea) | |
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(b) |
MetLife Mexico Holdings, S. de R.L. de C.V. (Mexico) - 99.99995% is owned by Metropolitan Global Management, LLC and .00005% is owned by MetLife International Holdings, LLC. | ||
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i. |
MetLife Pensiones Mexico S.A. (Mexico)- 97.5125% is owned by MetLife Mexico Holdings, S. de R.L. de C.V. and 2.4875% is owned by MetLife International Holdings, LLC. | |
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ii. |
MetLife Mexico, S.A. de C.V. (Mexico) - 99.050271% is owned by MetLife Mexico Holdings, S. de R.L. de C.V. and .949729% is owned by MetLife International Holdings, LLC. | |
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iii. |
MetLife Mexico Servicios, S.A. de C.V. (Mexico) - 99.050271% is owned by MetLife Mexico Holdings, S. de R.L. de C.V. and .949729% is owned by MetLife International Holdings, LLC. | |
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iv. |
ML Capacitacion Comercial S.A. de C.V.(Mexico) - 99% is owned by MetLife Mexico S.A. and 1% is owned by MetLife Mexico Servicios, S.A. de C.V. | |
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(3) |
MetLife Ireland Treasury d.a.c (Ireland) | |||
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|
(a) |
MetLife General Insurance Limited (Australia) | ||
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|
|
(b) |
MetLife Insurance Limited (Australia) - 91.16468% of MetLife Insurance Limited (Australia) is owned by MetLife Ireland Treasury d.a.c and 8.83532% by MetLife Global Holdings Corp. S.A. de C.V. | ||
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i. |
MetLife Services Pty Limited (Australia) | |
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ii. |
MetLife Investments Pty Limited (Australia) | |
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|
[1] |
MetLife Insurance and Investment Trust (Australia) - MetLife Insurance and Investment Trust is a trust vehicle, the trustee of which is MetLife Investments PTY Limited (“MIPL”). MIPL is a wholly owned subsidiary of MetLife Insurance PTY Limited. |
| |
|
|
|
i) |
AmMetLife Insurance Berhad (Malaysia) - 50.000002% of AmMetLife Insurance Berhad is owned by MetLife International Holdings, LLC and the remainder by a third-party. | ||||
| |
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|
|
j) |
AmMetLife Takaful Berhad (Malaysia) - 49.9999997% of AmMetLife Takaful Berhad is owned by MetLife International Holdings, LLC and the remainder by a third-party. | ||||
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k) |
MetLife Worldwide Holdings, LLC (DE) | ||||
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l) |
Metropolitan Life Seguros e Previdencia Privada S.A. (Brazil)-66.662% is owned by MetLife International Holdings, LLC, 33.337% is owned by MetLife Worldwide Holdings, LLC and 0.001% is owned by Natiloportem Holdings, LLC. | ||||
| |
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|
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m) |
PNB MetLife India Insurance Company Limited -46.87% of PNB MetLife India Insurance Company Limited is owned by MetLife International Holdings, LLC and the remainder is owned by third parties. | ||||
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n) |
MetLife Administradora de Fundos Multipatrocinados Ltda. (Brazil) - 99.99998% of MetLife Administradora de Fundos Multipatrocinados Ltda. is owned by MetLife International Holdings, LLC and 0.00002% by Natiloportem Holdings, LLC. | ||||
| |
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|
9) |
MetLife Investment Management Holdings (Ireland) Limited (Ireland) | |||||
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a) |
MetLife Investments Asia (Hong Kong) | ||||
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b) |
MetLife Investments Limited (England/UK) | ||||
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c) |
MetLife Latin America Asesorias e Inversiones Limitada 5 (CHL) | ||||
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d) |
MetLife Investment Management Europe Limited (Ireland) | ||||
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e) |
Affirmative Investment Management Partners Ltd (UK) | ||||
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f) |
Affirmative Investment Management Australia Pty Ltd (Australia) | ||||
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|
|
g) |
Affirmative Investment Management Japan K.K. (Japan) | ||||
| F. |
MetLife Chile Inversiones Limitada (CHL) - 72.35109659% is owned by MetLife, Inc., 24.8823628% by American Life Insurance Company (“ALICO”), 2.76654057% is owned by Inversiones MetLife Holdco Dos Limitada and 0.00000004% is owned by Natiloportem Holdings, LLC. | ||||||||
| |
1. |
MetLife Chile Seguros de Vida S.A. (CHL) - 99.99% is held by MetLife Chile Inversiones Limitada and 0.01% by International Technical and Advisory Services Limited. | |||||||
| |
|
a. |
MetLife Chile Administradora de Mutuos Hipotecarios S.A. (CHL) - 99.9% is held by MetLife Chile Seguros de Vida S.A. and 0.1% is held by MetLife Chile Inversiones Limitada. | ||||||
| |
2. |
Inversiones MetLife Holdco Tres Limitada (CHL) - 97.13% of Inversiones MetLife Holdco Tres Limitada is owned by MetLife Chile Inversiones Limitada and 2.87% is owned by Inversiones MetLife Holdco Dos Limitada. | |||||||
| |
|
a. |
AFP Provida S.A. (CHL) - 42.3815% of AFP Provida S.A. is owned by Inversiones MetLife Holdco Dos Limitada, 42.3815% is owned by Inversiones MetLife Holdco Tres Limitada, 10.9224% is owned by MetLife Chile Inversiones Limitada and the remainder is owned by the public. | ||||||
| |
|
|
1) |
Provida Internacional S.A. (CHL) - 99.99% of Provida Internacional S.A. is owned by AFP Provida S.A and 0.01% is owned by MetLife Chile Inversiones Limitada. | |||||
| |
|
|
|
a) |
AFP Genesis Administradora de Fondos y Fidecomisos S.A. (Ecuador) - 99.9% of AFP Genesis Adminis- tradora de Fondos y Fidecomisos S.A. is owned by Provida Internacional S.A. and 0.1% by MetLife Chile Inversiones Limitada | ||||
| |
3. |
MetLife Chile Seguros Generales, S.A. (CHL) - 99.99% of MetLife Chile Seguros Generales S.A. is owned by MetLife Chile Inversiones Limitada and 0.01% is owned by Inversiones MetLife Holdco Dos Limitada. | |||||||
| G. |
MetLife Investment Management Holdings, LLC (DE) | ||||||||
| |
1. |
MetLife Real Estate Lending LLC (DE) | |||||||
| |
2. |
ML Venture 1 Manager, S. de R.L. de C.V. (MEX) - 99.9% is owned by MetLife Investment Management Holdings, LLC and 0.1% is owned by MetLife Investment Management Holdings (Ireland) Limited. | |||||||
| |
3. |
ML Venture 1 Servicer, LLC (DE) | |||||||
| |
4. |
MetLife Investment Management, LLC (DE) | |||||||
| |
|
a. |
MIM I LLC (PA) | ||||||
| |
|
b. |
MIM MetWest International Manager, LLC (DE) | ||||||
| |
|
c. |
MIM ML-AI Venture 5 Manager, LLC (DE) | ||||||
| |
|
d. |
MIM Clal General Partner, LLC (DE) | ||||||
| |
|
e. |
MLIA Manager I, LLC (DE) | ||||||
| |
|
f. |
MetLife Alternatives GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife International PE Fund I, LP (CYM) - 95.88% of the Limited Partnership interests of this entity is owned by MetLife Insurance K.K. (Japan) and 4.12% is owned by MetLife Mexico S.A., | |||||
| |
|
|
2) |
MetLife International HF Partners, LP (CYM) - 90.30% of the Limited partnership interests of this entity is owned by MetLife Insurance K.K. (Japan) and 9.70% is owned by MetLife Insurance Company of Korea Limited, | |||||
| |
|
|
3) |
MetLife International PE Fund II, LP (CYM) - 97.90% of the limited partnership interests of MetLife International PE Fund II, LP is owned by MetLife Insurance K.K. (Japan) and 2.1% by MetLife Mexico, S.A. | |||||
| |
|
|
4) |
MetLife International PE Fund III, LP (CYM) - 92.09% of the limited partnership interests of MetLife International PE Fund III, LP is owned by MetLife Insurance K.K. (Japan) and 7.91% is owned by MetLife Insurance Company of Korea Limited, | |||||
| |
|
|
5) |
MetLife International PE Fund IV, LP (CYM) - 96.21% of the limited partnership interests of MetLife International PE Fund IV, LP is owned by MetLife Insurance K.K. (Japan) and 3.79% is owned by MetLife Insurance Company of Korea Limited, | |||||
| |
|
|
6) |
MetLife International PE Fund V, LP (CYM) - 96.73% of the Limited partnership interests of this entity is owned by MetLife Insurance K.K. (Japan) and the remaining 3.27% is owned by MetLife Insurance Company of Korea. | |||||
| |
|
|
7) |
MetLife International PE Fund VI, LP (CYM) - 96.53% of the Limited partnership interests of this entity is owned by MetLife Insurance K.K. (Japan) and the remaining 3.47% is owned by MetLife Insurance Company of Korea. | |||||
| |
|
|
8) |
MetLife International PE Fund VII, LP (CYM) - MetLife Alternatives GP, LLC is the general partner of MetLife International PE Fund VII, LP. MetLife Insurance K.K. (Japan) is the sole limited partner. | |||||
| |
|
g. |
MLIA Park Tower Manager, LLC (DE) | ||||||
| |
|
h. |
MetLife 425 MKT Manager, LLC (DE) | ||||||
| |
|
i. |
ML Bellevue Manager, LLC (DE) | ||||||
| |
|
j. |
1350 Eye Street Manager, LLC (DE) | ||||||
| |
|
k. |
MetLife Core Property Fund GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Core Property Fund, LP (DE) - MetLife Core Property Fund GP, LLC is the general partner of MetLife Core Property Fund, LP (the “Fund”). A substantial majority of the limited partnership interests in the Fund are held by third parties. The following affiliates hold limited partnership interests in the Fund: Metropolitan Life Insurance Company owns 14.40%, Metropolitan Life Insurance Company (on behalf of Separate Account 746) owns 2.09%, MetLife Insurance Company of Korea Limited owns 1.52%, MetLife Insurance K.K. owns 8.1%, Metropolitan Tower Life Insurance Company owns 0.04% and Metropolitan Tower Life Insurance Company (on behalf
of Separate Account 152) owns 3.85%. | |||||
| |
|
|
|
a) |
MetLife Core Property REIT, LLC (DE) - MetLife Core Property Holdings, LLC (DE) - also holds, directly or indirectly, the following limited liability companies (partial and/or indirect ownership indicated in parenthesis): MCP Alley24 East, LLC; MCPF Foxborough, LLC (100%); MCP One Westside, LLC; MCP 7 Riverway, LLC; MCPF Acquisition, LLC; MCP SoCal Industrial – Springdale, LLC; MCP SoCal Industrial – Concourse, LLC; MCP SoCal Industrial – Kellwood, LLC; MCP SoCal Industrial – Redondo, LLC; MCP SoCal
Industrial – Fullerton, LLC; MCP SoCal Industrial – Loker, LLC; MCP Paragon Point, LLC; MCP The Palms at Doral, LLC; MCP EnV Chicago, LLC; MCP 1900 McKinney, LLC; MCP 550 West Washington, LLC; MCP 3040 Post Oak, LLC; MCP Plaza at Legacy, LLC; MCP SoCal Industrial – LAX, LLC; MCP SoCal Industrial - Anaheim, LLC; MCP SoCal Industrial - Canyon, LLC; MCP SoCal Industrial – Bernardo, LLC; MCP Ashton South End, LLC; MCP Lodge At Lakecrest, LLC; MCP Main Street Village, LLC; MCP Trimble Campus, LLC; MCP Stateline, LLC; MCP Highland Park Lender, LLC; MCP
Buford Logistics Center Bldg B, LLC; MCP 22745 & 22755 Relocation Drive, LLC; MCP 9020 Murphy Road, LLC; MCP Northyards Holdco, LLC; MCP Northyards Owner, LLC (100%); MCP Northyards Master Lessee, LLC (100%); MCP VOA Holdings, LLC; MCP VOA I & III, LLC (100%); MCP VOA II, LLC (100%); MCP West Broad Marketplace, LLC; MCP Grapevine, LLC; MCP Union Row, LLC; MCP Fife Enterprise Center, LLC; MCP 2 Ames, LLC; MCP 2 Ames Two, LLC (100%); MCP 2 Ames One, LLC (100%); MCP 2 Ames Owner, LLC (100%); MCP 350 Rohlwing, LLC; MCP- Wellington, LLC; MCP Onyx, LLC; MCP Valley Forge, LLC; MCP Valley Forge Two, LLC (100%); MCP Valley Forge One, LLC (100%);
MCP Valley Forge Owner, LLC (100%); MCP MA Property REIT, LLC; MCPF- Needham, LLC (100%); 60 11th Street, LLC (100%); MCP-English Village, LLC; MCP 100 Congress Member, LLC; Des Moines Creek Business Park Phase II, LLC; MCP Magnolia Park Member, LLC; MCP Denver Pavilions Member, LLC; MCP Seattle Gateway Industrial I, LLC; MCP Seattle Gateway Industrial II, LLC; MCP Seventh and Osborn Retail Member, LLC; MCP Astor at Osborn, LLC; MCP Burnside Member, LLC; MCP Vance Jackson, LLC; MCP Mountain Technology Center Member TRS, LLC; MCP Vineyard Avenue Member, LLC; MCP Shakopee, LLC; MCP 93 Red River Member, LLC; MCP Frisco Office, LLC; MCP Center Avenue
Industrial Member, LLC; MCP 220 York, LLC; MCP 1500 Michael, LLC; MCP Sleepy Hollow Member, LLC; MCP Clawiter Innovation Member, LLC; MCP Bradford, LLC; MCP Hub I, LLC; MCP Hub I Property, LLC (100%); MCP Dillon, LLC; MCP Dillon Residential, LLC; MCP Optimist Park Member, LLC; Mountain Technology Center Venture, LLC (100%); MCP 38th West Highland, LLC; Mountain Technology Center A, LLC; Mountain Technology Center B, LLC; Mountain Technology Center C, LLC; Mountain Technology Center D, LLC; Mountain Technology Center E, LLC; MCP Frisco Office Two, LLC; MCP Gateway Commerce Center 5, LLC; MCP Allen Creek Member, LLC; Center Avenue Industrial, LLC (81.28%); Center Avenue Industrial
Venture, LLC (81.28%); MCP HH Hotel LB Trust (100%); Vineyard Avenue Industrial Venture, LLC (79.81%) and Vineyard Avenue Industrial, LLC (79.81%); MCP 122 E. Sego Lilly, LLC; MCP 50-60 Binney, LLC; MCP HH Hotel LB, LLC; MCP HH Hotel TRS, LB, LLC (100%); MCP Rausch Creek Logistics Center Member I, LLC; MCP Rausch Creek Logistics Center Member II, LLC; MCP 249 Industrial Business Park, LLC (100%); MCP Alder Avenue Industrial Member, LLC (100%); MCP Valley Boulevard Industrial Member, LLC (100%); MCP Key West, LLC; MCP West Fork, LLC; MCP Broadstone, LLC; MCP Ranchero Village MHC Member, LLC; MCP Block 23 Residential Owner, LLC; MCP Financing, LLC; MCP Longhaven Estates Member,
LLC. | ||||
| |
|
|
|
b) |
MetLife Core Property Holdings, LLC (DE) | ||||
| |
|
|
|
|
(1) |
MCP Property Management, LLC (DE) | |||
| |
|
|
|
|
(2) |
MetLife Core Property TRS, LLC (DE) | |||
| |
|
|
|
|
|
(a) |
MCP HH Hotel LB Trust (MD) | ||
| |
|
|
|
|
|
|
i. |
MCP HH Hotel TRS, LB , LLC (DE) | |
| |
|
|
|
|
|
(b) |
MCP ESG TRS, LLC (DE) | ||
| |
|
|
|
|
|
(c) |
MCP COMMON DESK TRS, LLC (DE) | ||
| |
|
l. |
MetLife Senior Direct Lending GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Senior Direct Lending Fund, LP (CYM) | |||||
| |
|
|
|
a) |
MetLife Senior Direct Lending Finco, LLC (DE) | ||||
| |
|
|
|
|
(1) |
MetLife Senior Direct Lending Holdings, LP (DE) | |||
| |
|
|
2) |
MLJ US Feeder LLC (DE) - MetLife Senior Direct Lending GP, LLC is the Manager of MLJ US Feeder LLC. MetLife Insurance K.K. is the sole member. | |||||
| |
|
m. |
MetLife Commercial Mortgage Income Fund GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Commercial Mortgage Income Fund, LP (DE) - MetLife Commercial Mortgage Income Fund GP, LLC is the general partner of MetLife Commercial Mortgage Income Fund, LP (the “Fund”). A majority of the limited partnership interests in the Fund are held by third parties. The following affiliates hold limited partnership interests in the Fund: Metropolitan Life Insurance Company owns 27.35%, MetLife Insurance Company of Korea Limited owns 1.4%, and Metropolitan Tower Life Insurance Company owns 3.62%. | |||||
| |
|
|
|
a) |
MetLife Commercial Mortgage REIT, LLC (DE) | ||||
| |
|
|
|
|
(1) |
MetLife Commercial Mortgage Originator, LLC (DE) | |||
| |
|
|
|
|
|
(a) |
MCMIF Holdco I, LLC (DE) | ||
| |
|
|
|
|
|
(b) |
MCMIF Holdco II, LLC (DE) | ||
| |
|
|
|
|
|
(c) |
MCMIF Holdco III, LLC (DE) | ||
| |
|
n. |
MIM Campus at SGV Manager, LLC (DE) | ||||||
| |
|
o. |
MetLife Strategic Hotel Debt Fund GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Strategic Hotel Debt Fund, LP (DE) - MetLife Strategic Hotel Debt Fund GP, LLC is the general partner of MetLife Strategic Hotel Debt Fund, LP (the “Fund”). The following affiliates committed to hold limited partnership interests in the Fund: Metropolitan Life Insurance Company (46.88%) and Metropolitan Tower Life Insurance Company (26.04%). The remainder is held by a third-party. | |||||
| |
|
|
|
a) |
MetLife Strategic Hotel Originator, LLC (DE) | ||||
| |
|
|
|
|
(1) |
MSHDF Holdco I, LLC (DE) | |||
| |
|
p. |
MetLife Investment Private Equity Partners Ultimate GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Investment Private Equity Partners Ultimate GP, LP (DE) -MetLife Investment Private Equity Partners Ultimate GP, LLC is the general partner of MetLife Investment Private Equity Partners GP, L.P. (the “Fund”). The interests in the Fund are held exclusively by third parties. | |||||
| |
|
|
|
a) |
MetLife Investment Private Equity Partners LP (DE) -MetLife Investment Private Equity Partners GP, L.P. is the general partner of MetLife Investment Private Equity Partners, L.P. (the “Fund”). The GP holds 0.0001% of the interests in the Fund and the remainder is held by third parties. | ||||
| |
|
|
|
b) |
MetLife Investment Private Equity Partners (Feeder), LP (CYM) -MetLife Investment Private Equity Partners GP, L.P. is the general partner of MetLife Investment Private Equity Partners (Feeder), L.P. (the “Fund”). The interests in the Fund are held exclusively by third parties. | ||||
| |
|
q. |
MetLife Single Family Rental Fund GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Single Family Rental Fund, LP (DE) - MetLife Single Family Rental Fund GP, LLC is the general partner of MetLife Single Family Rental Fund, LP (the “Fund”). MetLife Investment Management, LLC is the sole limited partner in the Fund. | |||||
| |
|
r. |
MetLife Loan Asset Management LLC (DE) | ||||||
| |
|
s. |
MIM CM Syndicator LLC (DE) | ||||||
| |
|
t. |
MetLife MMPD II Special, LLC (DE) | ||||||
| |
|
u. |
ML - URS Port Chester SC Manager, LLC (DE) | ||||||
| |
|
v. |
Hampden Square Manager LLC (DE) | ||||||
| |
|
w. |
MLIA SBAF Manager, LLC (DE) | ||||||
| |
|
x. |
MLIA SBAF Colony Manager LLC (DE) | ||||||
| |
|
y. |
MIM Property Management, LLC (DE) | ||||||
| |
|
|
1) |
MIM Property Management of Georgia 1, LLC (DE) | |||||
| |
|
z. |
MIM Rincon Manager, LLC (DE) | ||||||
| |
|
aa. |
MetLife Middle Market Private Debt Parallel GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Middle Market Private Debt Parallel Fund, LP (CYM) -MetLife Middle Market Private Debt Parallel GP, LLC is the general partner of MetLife Middle Market Private Debt Parallel Fund, LP. The following affiliate holds a limited partnership interest in the Fund: MetLife Insurance K.K. (Japan) (100%). | |||||
| |
|
bb. |
MetLife Enhanced Core Property Fund GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Enhanced Core Property Fund, LP (DE) - MetLife Enhanced Core Property Fund GP is the general partner of MetLife Enhanced Core Property Fund LP (the “Fund”). The following affiliates hold limited partnership interests in the Fund: 33.3328% is held by Metropolitan Life Insurance Company and 33.3328% is held by Metropolitan Tower Life Insurance Company. The remainder is held by third parties. | |||||
| |
|
|
|
a) |
MetLife Enhanced Core Property REIT, LLC (DE) - MetLife Enhanced Core Property Fund, LP is the manager of MetLife Enhanced Core Property REIT, LLC (the “Fund”) and holds 99.9% of the membership interests in the Fund. The remainder is held by third parties. | ||||
| |
|
|
|
|
(1) |
MetLife Enhanced Core Property Holdings, LLC (DE) - also holds, directly or indirectly, the following limited liability companies (partial and/or indirect ownership indicated in parenthesis): MetLife Enhanced Core TRS, LLC; MEC Patriot Park 5 LLC; MEC Fillmore Cherry Creek, LLC; MEC 7001 Arlington, LLC; MEC Salt Lake City Hotel Owner, LLC; MEC Salt Lake City TRS Lessee, LLC (100%); MEC 83 Happy Valley Member, LLC; MEC Rivard Road Member, LLC; MEC Heritage Creekside Owner, LLC; MEC Burlington Woods Biocenter, LLC; MEC MA Property REIT, LLC; MEC Property Management, LLC; MEC Whiteland Logistics,LLC. | |||
| |
|
cc. |
GV Venture Manager LLC (DE) | ||||||
| |
|
dd. |
MetLife Japan GV GP LLC (DE) | ||||||
| |
|
|
1) |
MetLife Japan GHV (Hotel) Fund LP DE) - MetLife Japan GV GP LLC is the general partner of MetLife Japan GHV (Hotel) Fund LP. MetLife Japan GHV (Hotel) Fund LP is owned (i) 55.865222% by MetLife GV Owner LLC, (ii) 10.027182 % by MTL GV Owner LLC, and (iii) 34.107596% by MetLife Japan Owner (Blocker) LLC. | |||||
| |
|
|
2) |
MetLife Japan GMV (Mall) Fund LP (DE) - MetLife Japan GV GP LLC is the general partner of MetLife Japan GMV (Mall) Fund LP. MetLife Japan GMV (Mall) Fund LP is owned (i) 55.845714% by MetLife GV Owner LLC, (ii) 10.058134% by MTL GV Owner LLC, and (iii) 34.096152% by MetLife Japan Owner (Blocker) LLC. | |||||
| |
|
ee. |
MIM LS GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Long Short Credit Fund, LP (DE) - MIM LS GP, LLC is the general partner of MetLife Long Short Credit Fund, LP (the “Fund”). Metropolitan Life Insurance Company owns 100% of the Fund. | |||||
| |
|
|
2) |
MetLife Long Short Credit Master Fund, LP (DE) - MIM LS GP, LLC is the general partner of MetLife Long Short Credit Master Fund, LP (the “Fund”). MetLife Long Short Credit Fund, LP is the sole limited partner in the Fund. | |||||
| |
|
|
3) |
MetLife Long Short Credit Parallel Fund, LP (CYM) - MIM LS GP, LLC is the general partner of MetLife Long Short Credit Parallel Fund, LP (the “Fund”) and is the sole partner in the Fund. | |||||
| |
|
ff. |
MetLife Middle Market Private Debt GP II, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Middle Market Private Debt Fund II,LP (DE) - MetLife Middle Market Private Debt GP II, LLC is the general partner of MetLife Middle Market Private Debt Fund II, LP (the “Fund”). MetLife Middle Market Private Debt II Rated Fund, LP owns 95.37% and the General Partner owns 0.44% with the remainder held by MetLife employees. | |||||
| |
|
gg. |
MIM OMD Manager LLC (DE) | ||||||
| |
|
hh. |
MetLife Japan US Equity Fund GP LLC (DE) | ||||||
| |
|
|
1) |
MetLife Japan US Equity Fund LP (DE) - MetLife Japan US Equity Fund GP, LLC is general partner of MetLife Japan US Equity Fund LP (“Fund”). The following affiliates hold a limited partnership interest in the Fund LP: 51% is owned by MetLife Japan US Equity Owners LLC and 49% by MetLife Japan US Equity Owners (Blocker). | |||||
| |
|
|
|
a) |
MetLife Japan US Equity Owners (Blocker) LLC (DE) - MetLife Japan US Equity Fund GP, LLC is the manager of MetLife Japan US Equity Owners (Blocker) LLC. MetLife Insurance K.K. (Japan) is the sole member. | ||||
| |
|
|
|
|
(1) |
MetLife ConSquare Member, LLC (DE) | |||
| |
|
|
|
|
(2) |
MREF 425 MKT, LLC (DE) | |||
| |
|
ii. |
MetLife Japan Water Tower GP LLC (DE) | ||||||
| |
|
|
1) |
MetLife Japan Water Tower Fund LP (DE) - MetLife Japan Water Tower GP LLC is the non-member manager of MetLife Japan Water Tower Fund LP. MetLife Japan Water Tower Fund LP is owned approximately 68.7% by MetLife Water Tower Owner LLC and 31.3% by MetLife Japan Water Tower Owner (Blocker) LLC. | |||||
| |
|
jj. |
MIM Alder Avenue Industrial Manager, LLC (DE) | ||||||
| |
|
kk. |
MIM Valley Boulevard Industrial Manager, LLC (DE) | ||||||
| |
|
ll. |
MIM Intersect Manager, LLC (DE) | ||||||
| |
|
mm. |
Water Tower Manager LLC (DE) | ||||||
| |
|
nn. |
MMIP Manager, LLC (DE) | ||||||
| |
|
oo. |
MIM Rausch Creek Logistics Center Manager I, LLC (DE) | ||||||
| |
|
pp. |
MIM Rausch Creek Logistics Center Manager II, LLC (DE) | ||||||
| |
|
qq. |
MIM Cooperative Manager, LLC (DE) | ||||||
| |
|
rr. |
MIM EMD GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Emerging Market Debt Blend Fund (Insurance Rated), L.P. (DE) - MIM EMD GP, LLC is the general partner of MetLife Emerging Market Debt Blend Fund (Insurance Rated), L.P. (the “Fund”). Metropolitan Life Insurance Company owns 59.3% of the Fund. The remainder is held by third parties. | |||||
| |
|
ss. |
MetLife Middle Market Private Debt GP, LLC (DE) | ||||||
| |
|
|
1) |
MetLife Middle Market Private Debt Fund, LP (DE) - MetLife Middle Market Private Debt GP, LLC is the general partner of MetLife Middle Market Private Debt Fund, L.P (the “Fund”). The following affiliates hold limited partnership interests in the Fund: 30.25% is held by MetLife Private Equity Holdings, LLC, 30.25% is held by Metropolitan Life Insurance Company, 3.46% is held by MetLife Middle Market Private Debt GP, LLC. The remainder is held by a third party. | |||||
| H. |
Delaware American Life Insurance Company (DE) | ||||||||
| I. |
Cova Life Management Company (DE) | ||||||||
| J. |
MetLife Consumer Services, Inc. (DE) | ||||||||
| K. |
MetLife Global, Inc. (DE) | ||||||||
| L. |
MetLife Global Benefits, Ltd. (CYM) | ||||||||
| M. |
Newbury Insurance Company, Limited (DE) | ||||||||
| N. |
MetLife European Holdings, LLC (DE) | ||||||||
| O. |
Inversiones MetLife Holdco Dos Limitada (CHL) -99.99946% of Inversiones MetLife Holdco Dos Limitada is owned by MetLife, Inc., 0.000535% is owned by MetLife International Holdings, LLC. and 0.0000054% is owned by Natiloportem Holdings, LLC. | ||||||||
| P. |
MetLife Reinsurance Company of Charleston (SC) | ||||||||
| Q. |
MetLife Capital Trust IV (DE) | ||||||||
| R. |
MetLife Home Loans, LLC (DE) | ||||||||
| S. |
MetLife Pet Insurance Solutions, LLC (KY) | ||||||||
| T. |
Metropolitan General Insurance Company (RI) | ||||||||
| U. |
MetLife Insurance Brokerage, Inc. (NY) | ||||||||
| V. |
MetLife Reinsurance Company of Vermont (VT) | ||||||||
| W. |
MetLife Group, Inc. (NY) | ||||||||
| |
1. |
MetLife Services and Solutions, LLC (DE) | |||||||
| |
|
a. |
MetLife Solutions Pte. Ltd. (SGP) | ||||||
| |
|
|
1) |
MetLife Services East Private Limited (IND) - 99.99% is owned by MetLife Solutions Pte. Ltd. and .01% by Natiloportem Holdings, LLC | |||||
| |
|
|
2) |
MetLife Global Operations Support Center Private Limited (IND) - 99.99999% is owned by MetLife Solutions Pte. Ltd. and 0.00001% is owned by Natiloportem Holdings, LLC. | |||||
| X. |
MetLife Investors Group, LLC (DE) | ||||||||
| |
1. |
MetLife Investors Distribution Company (MO) | |||||||
| |
2. |
MetLife Investments Securities, LLC (DE) | |||||||
| Name and Principal Business Address |
Positions and Offices With Underwriter |
| Director, Chairman of the Board, President and Chief Executive Officer | |
| Secretary | |
| Director, Vice President | |
| Director, Senior Vice President | |
| Vice President and Treasurer | |
| Chief Compliance Officer | |
| Vice President | |
| Assistant Vice President | |
| Vice President | |
| Vice President | |
| Vice President and Chief Information Security Officer | |
| Director, Senior Vice President | |
| Assistant Vice President and Chief Financial Officer | |
| Chief Legal Officer |
| (1) Name of Principal Underwriter |
(2) Net Underwriting Discounts and Commissions |
(3) Compensation on Redemption |
(4) Brokerage Commissions |
(5) Other Compensation |
| MetLife Investors Distribution Company |
$67,950,273 |
$0 |
$0 |
$0 |
| Metropolitan Life Separate Account E (Registrant) | |
| BY: |
Metropolitan Life Insurance Company (Depositor) |
| BY: |
/s/ Michael Schmidt |
| Vice President | |
| |
Metropolitan Life Insurance Company (Depositor) |
| BY: |
/s/ Michael Schmidt |
| Vice President | |
| Signature |
Title |
| * |
Chairman of the Board and Director |
| R. Glenn Hubbard | |
| * |
President, Chief Executive Officer and Director |
| Michel A. Khalaf | |
| * |
Executive Vice President and Chief Financial Officer |
| John Dennis McCallion | |
| * |
Executive Vice President and Chief Accounting Officer |
| Tamara Schock | |
| * |
Director |
| Cheryl W. Grisé | |
| * |
Director |
| Carlos M. Gutierrez | |
| * |
Director |
| Carla A. Harris | |
| * |
Director |
| Gerald L. Hassell | |
| * |
Director |
| David L. Herzog | |
| * |
Director |
| Jeh Charles Johnson | |
| * |
Director |
| Edward J. Kelly, III | |
| * |
Director |
| William E. Kennard | |
| * |
Director |
| Catherine R. Kinney |
| Signature |
Title |
| * |
Director |
| Diana McKenzie | |
| * |
Director |
| Denise M. Morrison | |
| * |
Director |
| Mark A. Weinberger |
| *By: |
/s/ ROBIN WAGNER |
| |
| This ‘485BPOS’ Filing | Date | Other Filings | ||
|---|---|---|---|---|
 | ||||
| Effective on: | 5/1/23 | 485BPOS | ||
| Filed on: | 4/20/23 | 485BPOS | ||
| 3/27/23 | ||||
| 12/31/22 | 24F-2NT, N-30D, N-CEN, N-VPFS | |||
| 11/17/22 | ||||
| 4/21/22 | 485BPOS | |||
| 12/31/21 | 24F-2NT, N-30D, N-CEN, N-VPFS | |||
| 4/28/21 | 485BPOS | |||
| 2/26/21 | 24F-2NT, 485APOS | |||
| 4/23/19 | 485BPOS | |||
| 4/10/18 | 485BPOS | |||
| 1/1/18 | ||||
| 4/26/17 | 485APOS, 485BPOS | |||
| 4/12/17 | 485BPOS | |||
| 4/13/16 | 485BPOS | |||
| 10/31/14 | CORRESP, N-4/A | |||
| 9/18/13 | ||||
| 4/16/13 | 485BPOS | |||
| 4/11/13 | 485BPOS | |||
| 12/31/12 | 24F-2NT, N-30D, NSAR-U | |||
| 4/12/12 | 485BPOS | |||
| 4/14/11 | ||||
| 4/12/11 | 485BPOS | |||
| 11/2/09 | N-4/A | |||
| 6/26/09 | 485BPOS, 497 | |||
| 1/1/09 | ||||
| 9/24/07 | ||||
| 9/10/07 | 485BPOS | |||
| 4/27/06 | 485BPOS | |||
| 4/8/05 | 485BPOS | |||
| 10/22/03 | 485BPOS | |||
| 4/10/03 | 485BPOS | |||
| 6/1/02 | ||||
| 3/5/02 | N-4 | |||
| 8/3/01 | N-4/A | |||
| 4/3/01 | 485BPOS | |||
| 9/18/00 | ||||
| 4/6/00 | 485BPOS | |||
| 12/31/99 | 24F-2NT, NSAR-U | |||
| 1/12/99 | 485APOS | |||
| 4/3/98 | 485BPOS | |||
| 4/30/97 | 485BPOS | |||
| 2/28/97 | 485APOS, 497 | |||
| 2/27/96 | 485APOS | |||
| 1/15/96 | ||||
| 1/1/96 | ||||
| List all Filings | ||||