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LIFE WHOLEMetLife Promise Whole LifeSMLINBANdisclosure - circ 230. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, maybe subject to a 10% Federal income tax penalty. Withdrawals will reduce the living and death benefits and account value.Withdrawals may be subject to withdrawal charges.Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this documentis not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketingof insurance products. You should seek advice based on your particular circumstances from an independent tax advisor.disclosure - advise. MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this documentis for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation andlegislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances.You should consult with and rely on your own independent legal and tax advisors regarding your particular set of facts and circumstances. Bank Boxa foundation forlife

Life.your waySMDiscover the flexibility oflife insurance. Let it helpyou protect your familyand accumulate andtransfer wealth — nowand in the future. Be freeto live life, your way.

are looking for the security that comes withlong-term, guaranteed protection1Whole Life may berightif you: would like level premiums are interested in cash value that is guaranteedto build in your policy like equity might build in ahome — and can be accessed throughout your life2 would like the opportunity to set aside additionalmoney on a tax-favored basis are looking for potential dividends that may be usedto accumulate cash value and increase your deathbenefit over time3The reason so many people purchaselife insurance is to ensure thatafter they’re gone, the promisesthey made to their loved ones aredelivered. Promises like replacinglost income, providing for the nextgeneration, and paying for a child’s orgrandchild’s education. The securityit helps provide is very importantbut, depending on your needs, wholelife insurance can do more. MetLife’spromise to you is to ensure that thepremiums you spend on whole lifeinsurance not only protect your family Guarantees apply to MetLife Promise Whole Life’s guaranteed deathbenefit, cash value and premiums and are subject to product terms,exclusions and limitations and the claims-paying ability and financialstrength of the issuing insurance company. Request a specimen policyfor additional details.1if something should happen to you,but can also help you meet various2future financial obligations while Accessing cash values will reduce the values in the policy. Dividends are not guaranteed.3you’re still living.1

Did you know that Whole Life policies have a cash value accumulation feature? This meansthat cash value builds within the policy like equity might build within a home. Assuming thatthe policy is properly funded and does not exceed federal income tax limits, this cash valueaccumulates on a tax-deferred basis and can be accessed at any time throughout your life.4While accessing these funds reduces the policy’s cash value and death benefit, the money canbe used for more current needs, such as to supplement your retirement income.The following pages provide information on the advantages Whole Life offers. Your financialprofessional can work with you to review your personal circumstances and help you decidewhether Whole Life alone or in combination with other policies is the right insurance choicefor your needs.The locked-in guarantees andstability of Whole LifeWHOLELIFEPREMIUMEANTEGUARThe impact dividends canhave on a Whole Life policyEEDNTARAN-GUTDEAADCEENTLVASHARUANOUEFITNEH BE-GONNPOTENTIAL POLICYGROWTH ATTRIBUTABLETO NON-GUARANTEED DIVIDENDSUEH VALD CASMetLife Promise Whole Lifeinsurance helps offer security andcomfort that comes from knowingyour family is protected. But italso provides a guaranteed deathbenefit, a guaranteed cash value anda guaranteed level premium thattogether help provide the financialstability you need now.POLICYGUARANTEEGUARANTEED FACE AMOUNT (DEATH BENEFIT)PREMIUMWhat’s more, you’ll also enjoy thepotential to receive dividends, whichcan increase your death benefit andcash value, decrease your premiumpayments over time, or serve as anothersource of income.UEH VALD CASEANTEGUARPOLICYGUARANTEEGUARANTEED FACE AMOUNT (DEATH BENEFIT)Hypothetical example for illustrative purposes only. Actual results will vary.Dividends are not guaranteed.42 Tax-free distribution assumes that the life insurance policy is properly funded andnot classified as a Modified Endowment Contract (MEC). Withdrawals are madeup to the cost basis and policy loans thereafter. If the policy is a MEC, cash valueis taxable upon withdrawal and if withdrawn before age 59½, a 10% federalincome tax penalty may apply. If a policy should lapse or be surrendered prior tothe death of the insured, there may be significant tax consequences.

Whole Lifeprovides protectionand guaranteesDesigned to help you and your loved ones meet your goalsfor financial protection, as well as additional financialobligations while you’re alive, MetLife Promise Whole Lifeoffers the advantages of:Cash value life insurance canbe a powerful solution to manyof your needs by providing lifeinsurance protection, in additionto policy cash value, which canbe a potentially valuable asset.Guaranteed Death BenefitWhen you die, your beneficiary(ies) will receive at least theface amount of your insurance policy, which is income-taxfree. This is assuming that premiums are paid on time andyou do not have outstanding loans, which can decrease thedeath benefit.Guaranteed Level PremiumsPremiums are guaranteed to never increase for the life of thecontract, regardless of your age or health.Guaranteed Cash ValueThis amount will grow throughout the life of your policy untilit equals your face amount of insurance at age 120. Youhave tax-advantaged access to this cash value throughoutyour life and can use it for any reason including emergencyexpenses, children’s education costs or supplementalretirement income. Policy withdrawals and loans decreasethe death benefit.3

PluspotentialdividendsMetLife Promise WholeLife is eligible to receivedividends.5 These dividendscan enhance your policy’sdeath benefit and cash valuewith no additionalout-of-pocket costs to you.Potential Dividends Offer GrowthDividends are a way for MetLife to share part ofits favorable financial results and may be paidto Whole Life policyholders each year, beginningafter the second policy anniversary. The MetLifecompanies that issue MetLife Promise Whole Lifehave a strong history of paying dividends.Using Your DividendsDepending on your needs, you can use them: to purchase additional paid-up insurance as an ongoing source of cash to offset the cost of your premiums to accumulate with interestYour financial professional can help explain these options and recommend one that is right for you. Consulting your tax advisor willhelp you understand the tax implications, if any, of the option you choose.5 Dividends are not guaranteed.4

protection forOptional Riders6 Whole Life can be further customized with optional ridersthat can provide additional protection for you or your family.Your financial professional can help determine if these ridersare right for you.an ongoing or terminalillness, injury or disabilityEnhanced Care Benefit allows the policy owner toaccelerate up to 90% of the death benefit, which can be usedto pay for ongoing care if the insured develops a prolongedillness.7protection for youAcceleration of Death Benefit Rider willprovide the policy owner access to all or a portion of theavailable death benefit should the insured become terminallyill as defined by the rider.7and your familyApplicant’s Waiver of Premiums BenefitThe Enricher Riderallows you to purchase additionalwhole life insurance inside your policy. This lets you increaseyour coverage and cash value over time as your needs change,without having to re-apply. This rider is not available if the FlexTerm Rider is added to the policy.waives the premiums on a policy that insures the life of ajuvenile, if the adult applicant becomes totally disabled or diesprior to the policy anniversary when the adult applicant turnsage 60.8Disability Waiver of Premiums BenefitAccidental Death Benefit Riderprovidesadditional insurance, usually equal to the face amount ofyour policy, if death occurs as the result of an accident.waives premiums should the insured become totally disabled(as defined by the rider) for a continuous period of at least sixmonths.Children’s Term Riderprovides term insurancecoverage on each of the insured’s children, step-children orlegally adopted children who are at least 15 days old and underage 18.meeting our clients’ needsFOR LIFEFlex Term Rider increases affordability by adding a terminsurance component to the whole life policy. You can purchasemore coverage for less premium than a whole life policy for thesame total death benefit amount. This rider is not available ifThe Enricher Rider is added to the policy.As one of the most recognized and trusted life insuranceproviders, MetLife has kept its promises, met its obligationsand remains a strong, trusted source of protection. MetLifePromise Whole Life can help you protect your loved ones whilebuilding value in your financial portfolio.Guaranteed Insurability RiderAsk your financial professional for more details about howWhole Life can fit into your financial strategy.gives you theright to purchase additional permanent life insurance on theinsured at set option dates without evidence of insurability.6“MetLife” refers to Metropolitan Life Insurance Company andMetLife Insurance Company USA T here may be an additional charge for optional riders. Certain age and stateavailability restrictions may apply. State variations may apply. Coverage issubject to rider terms and conditions.57 Any benefits received under this rider may adversely affect the recipient'seligibility for public assistance programs; and the benefits received under thisrider may be taxable.8 This benefit applies only to the premiums due before the policy anniversarywhen the insured reaches attained age 25 or to the end of the premiumpaying period, if earlier.