5

Click here to load reader

Financial Freedom Select mapped Final - MetLife · PDF fileAdditional prospectuses for the MetLife Financial Freedom Select variable a nnuity issued by Metropolitan Life Insurance

Embed Size (px)

Citation preview

Page 1: Financial Freedom Select mapped Final - MetLife · PDF fileAdditional prospectuses for the MetLife Financial Freedom Select variable a nnuity issued by Metropolitan Life Insurance

Performance Summary as of 04/30/18Metropolitan Life Insurance Company

B Class

Asset Class Variable Investment Options StyleOne

Month YTD 1 Year 3 Year* 5 Year*

10 Year or Since

Portfolio Inception*

Portfolio Inception

DateAsset Allocation American Funds® Balanced Allocation Portfolio -

Class C 0.27% -0.03% 8.78% 5.40% 6.64% 4.79% 04/28/2008American Funds® Growth Allocation Portfolio - Class C 0.57% 0.56% 12.08% 7.06% 8.62% 5.43% 04/28/2008

American Funds® Moderate Allocation Portfolio - Class C -0.01% -0.90% 5.68% 3.82% 4.97% 4.04% 04/28/2008Brighthouse Asset Allocation 20 Portfolio - Class B -0.29% -1.50% 1.40% 1.32% 1.68% 3.10% 05/02/2005Brighthouse Asset Allocation 40 Portfolio - Class B -0.11% -1.08% 4.19% 2.73% 3.62% 3.92% 05/02/2005Brighthouse Asset Allocation 60 Portfolio - Class B 0.21% -0.57% 7.10% 4.18% 5.61% 4.57% 05/02/2005Brighthouse Asset Allocation 80 Portfolio - Class B 0.53% -0.06% 10.19% 5.58% 7.42% 5.08% 05/02/2005

Brighthouse Asset Allocation 100 Portfolio - Class B 0.72% 0.27% 12.70% 6.75% 8.86% 5.32% 05/02/2005SSGA Growth and Income ETF Portfolio - Class B -0.03% -1.29% 7.38% 3.61% 4.68% 4.38% 09/30/2005

SSGA Growth ETF Portfolio - Class B 0.13% -1.03% 10.04% 4.80% 6.10% 4.65% 09/30/2005Domestic Equity (Large Cap) American Funds® Growth Fund - Class 2 Growth 1.97% 4.41% 18.54% 12.49% 13.48% 7.75% 02/08/1984

American Funds® Growth-Income Fund - Class 2 Blend 1.27% 2.57% 15.40% 9.68% 11.89% 7.16% 02/08/1984BlackRock Capital Appreciation Portfolio - Class B Growth 1.83% 7.30% 25.26% 11.88% 14.11% 8.10% 10/31/1994

Value 1.13% -0.38% 9.70% 7.57% 9.66% 5.34% 10/31/1994Brighthouse/Wellington Large Cap Research Portfolio - Class B Blend -0.10% -0.83% 9.90% 8.50% 12.06% 6.87% 06/24/1983

ClearBridge Aggressive Growth Portfolio - Class B Growth -0.22% 0.26% 6.70% 3.00% 10.09% 8.88% 02/12/2001Jennison Growth Portfolio - Class B Growth 1.21% 5.89% 25.01% 13.37% 15.55% 7.37% 02/12/2001

MetLife Stock Index Portfolio - Class B Blend 0.22% -0.95% 11.31% 8.68% 11.02% 7.17% 05/01/1990MFS® Value Portfolio - Class B Value -1.05% -4.36% 6.07% 6.94% 9.48% 6.57% 11/09/1998

T. Rowe Price Large Cap Growth Portfolio - Class B Growth 1.05% 4.47% 20.03% 12.54% 15.31% 9.76% 11/09/1998Domestic Equity (Mid Cap)

Brighthouse/Artisan Mid Cap Value Portfolio - Class B Value 1.69% -1.04% 8.17% 5.17% 6.86% 5.43% 04/30/1993

MetLife Mid Cap Stock Index Portfolio - Class B Blend -0.41% -1.61% 7.85% 7.54% 9.85% 8.21% 07/05/2000Morgan Stanley Mid Cap Growth Portfolio - Class B Growth -1.49% 6.49% 25.40% 6.50% 8.82% 3.32% 03/03/1997

T. Rowe Price Mid Cap Growth Portfolio - Class B Growth -1.33% 2.21% 14.72% 9.66% 13.37% 9.95% 02/12/2001Victory Sycamore Mid Cap Value Portfolio - Class B Value 0.34% -1.09% 5.93% 2.17% 6.40% 4.56% 11/09/1998

Domestic Equity (Small Cap) Brighthouse Small Cap Value Portfolio - Class B Value 0.44% -2.01% 6.40% 9.12% 9.40% 6.12% 05/01/2002

Invesco Small Cap Growth Portfolio - Class B Growth 0.77% 3.18% 18.34% 9.56% 12.64% 9.49% 10/09/2001Loomis Sayles Small Cap Core Portfolio - Class B Blend 0.18% -0.26% 9.83% 7.92% 10.39% 8.73% 05/02/1994

Loomis Sayles Small Cap Growth Portfolio - Class B Growth 0.57% 5.05% 18.93% 10.24% 12.30% 9.33% 05/01/2001MetLife Russell 2000® Index Portfolio - Class B Blend 0.78% 0.29% 9.83% 8.07% 10.13% 7.84% 11/09/1998Neuberger Berman Genesis Portfolio - Class B Value -0.64% -0.28% 9.48% 9.03% 10.06% 5.52% 07/05/2000

T. Rowe Price Small Cap Growth Portfolio - Class B Growth -0.66% 1.06% 13.08% 8.98% 12.79% 10.99% 03/03/1997Balanced Calvert VP SRI Balanced Portfolio - Class I -0.11% -1.30% 5.67% 3.38% 6.06% 4.44% 09/30/1986

MFS® Total Return Portfolio - Class B -0.51% -2.91% 3.72% 4.04% 5.67% 4.76% 04/30/1987International Equity American Funds® Global Small Capitalization Fund -

Class 2 0.63% 1.08% 14.55% 5.45% 7.36% 3.61% 04/30/1998Harris Oakmark International Portfolio - Class B 2.06% -0.71% 11.88% 6.06% 6.80% 6.26% 10/09/2001

Loomis Sayles Global Markets Portfolio - Class B -0.16% 1.20% 13.16% 6.79% 7.34% 6.05% 04/28/2006MetLife MSCI EAFE® Index Portfolio - Class B 1.52% 0.08% 12.29% 3.27% 4.06% 0.74% 11/09/1998

MFS® Research International Portfolio - Class B 0.92% 0.06% 14.23% 3.27% 3.77% 1.10% 02/12/2001Oppenheimer Global Equity Portfolio - Class B 0.58% 0.32% 18.33% 8.38% 9.52% 6.38% 03/03/1997

Fixed Income American Funds® Bond Fund - Class 2 Interm. -0.89% -2.73% -1.91% -0.46% -0.17% 1.14% 04/30/1997BlackRock Bond Income Portfolio - Class B Interm. -0.78% -2.36% -1.21% -0.15% 0.53% 2.32% 08/26/1983

Brighthouse/Franklin Low Duration Total Return Portfolio - Class B Short -0.11% -0.62% -1.05% -0.31% -0.23% 0.01% 04/29/2011MetLife Aggregate Bond Index Portfolio - Class B Interm. -0.87% -2.74% -2.06% -0.67% -0.27% 1.79% 11/09/1998

PIMCO Inflation Protected Bond Portfolio - Class B Infltn Protctd -0.21% -1.42% -0.98% -0.52% -1.95% 1.77% 05/01/2003

Brighthouse/Wellington Core Equity Opportunities Portfolio - Class B

MetLife Financial Freedom Select®

Variable Annuity - B Class

Variable Investment Option Performance UpdateThe performance data quoted represents past performance and does not guarantee future results. Current performance may be lower or higher than the performance figures quoted. Performance current to the most recent month-end may be viewed at www.metlife.com. The investment return and principal value of an investment will fluctuate and an investor's shares, when redeemed, may be worth more or less than their original cost. For Investment Divisions that invest in Portfolios of the underlying Trust that were in existence prior to the Investment Division inception date, these returns have been adjusted to reflect the charges and expenses of the MetLife Financial Freedom Select B Class Variable Annuity, as if the contract had existed during the stated period(s), including all Portfolio-level expenses, the Separate Account Charge of 1.15% (the Separate Account Charge includes an additional charge of 0.25% as a percentage of your average Account Balance in the American Funds Bond, American Funds Growth, American Funds Growth-Income and American Funds Global Small Capitalization Investment Divisions), and the annual Account Fee of $30†. These results do not reflect the withdrawal charges which begin at 9% and decrease over 12 years (for returns reflecting these charges, see the Standardized report pages in this document that follows this Nonstandardized report). These figures represent past performance and are not an indication of future performance.

Non-Standardized Performance: Without surrender charges appliedas of 04/30/2018

Page 1 of 5 Not valid without all pages

Page 2: Financial Freedom Select mapped Final - MetLife · PDF fileAdditional prospectuses for the MetLife Financial Freedom Select variable a nnuity issued by Metropolitan Life Insurance

B Class

Asset Class Variable Investment Options StyleOne

Month YTD 1 Year 3 Year* 5 Year*

10 Year or Since

Portfolio Inception*

Portfolio Inception

DatePIMCO Total Return Portfolio - Class B Interm. -1.00% -2.51% -1.10% -0.12% -0.11% 2.96% 02/12/2001

Multisector -0.91% -2.07% 1.10% 2.27% 1.60% 4.60% 10/31/1994Western Asset Management U.S. Government Portfolio - Class B Interm. Gov. -0.54% -1.70% -1.88% -0.97% -0.70% 0.72% 10/31/1994

Specialty Clarion Global Real Estate Portfolio - Class B 1.41% -3.55% 3.70% 0.20% 0.95% 1.49% 04/30/2004

Current performance may be lower or higher than the performance quoted.

Western Asset Management Strategic Bond Opportunities Portfolio - Class B

Effective April 30, 2018, the MFS® Value Portfolio II (formerly known as BlackRock Large Cap Value Portfolio) of the BrightHouse Funds Trust II merged into the MFS® Value Portfolio of the BrightHouse Funds Trust II.

Prior to March 6, 2017, Brighthouse Funds Trust I was known as Met Investors Series Trust and Brighthouse Funds Trust II was known as Metropolitan Series Fund.

A MetLife investment option may have a name and/or investment objective similar to that of another mutual fund with the same manager. Despite any similarity, the MetLifeoption is separate and distinct and will not have the same performance. Different performance will result from different investment policies, cash flows, fees, expenses andfund asset sizes.

As of May 2, 2011, the following portfolio merger took effect: MetLife Aggressive Allocation Portfolio into MetLife Aggressive Strategy Portfolio (currently known as MetLifeAsset Allocation 100 Portfolio). Performance for the MetLife Aggressive Strategy Portfolio (currently known as MetLife Asset Allocation 100 Portfolio) consists of theperformance of the MetLife Aggressive Allocation Portfolio before and on April 29, 2011 and the MetLife Aggressive Strategy Portfolio (currently known as MetLife AssetAllocation 100 Portfolio) after April 29, 2011.

Effective April 28, 2008, the MFS Value Portfolio of the Met Investors Series Trust (MIST) merged with and into the MFS Value Portfolio of the Metropolitan Series Fund, Inc.(MSF). Values before April 28, 2008 reflect the performance of the MSF MFS Value Portfolio (formerly Harris Oakmark Large Cap Value Portfolio) since its inception onNovember 9, 1998. (Note that because the MIST MFS Value Portfolio is deemed to be the “accounting” survivor of the merger, the performance history set forth in thePortfolio’s April 28, 2008 prospectus is that of the MIST MFS Value Portfolio.)

The performance shown may reflect, for some periods described, the management of previous investment managers. Please see the prospectus for more information.

Effective on or about December 15, 2017, Victory Capital Management, Inc. replaced Invesco Advisors Inc. as subadviser to the Victory Sycamore Mid Cap Value Portfolio, which was previously known as Invesco Mid Cap Value Portfolio.

- Return Not Available

Effective April 30, 2012, the Lord Abbett Mid Cap Value Portfolio of the Metropolitan Series Fund merged into the Lord Abbett Mid Cap Value Portfolio (currently known asInvesco Mid Cap Value Portfolio) of the Met Investors Series Trust. Values before April 30, 2012 reflect the performance of the Lord Abbett Mid Cap Value Portfolio of theMetropolitan Series Fund.

Effective April 28, 2014, the ClearBridge Aggressive Growth Portfolio II of the Met Investors Series Trust merged with and into the ClearBridge Aggressive Growth Portfolio of the Met Investors Series Trust. Values before April 28, 2014 reflect the performance of the ClearBridge Aggressive Growth Portfolio II.

This is past performance and is no guarantee of future results.

A fee waiver or expense limit may be or have been in place for any of the investment options. The reduced expenses that may result from this waiver or limit may increaseperformance results. Please see the prospectus for more information.

Effective May 3, 2010, the following investment portfolio merged: FI Mid Cap Opportunities Portfolio into Morgan Stanley Mid Cap Growth Portfolio. Performance for theMorgan Stanley Mid Cap Growth Portfolio consists of the performance for the FI Mid Cap Opportunities Portfolio before and on April 30, 2010 and the Morgan Stanley MidCap Growth Portfolio after April 30, 2010.

On or about April 30, 2007, the BlackRock Large Cap Portfolio of the Metropolitan Series Fund, Inc. merged into the BlackRock Large-Cap Core Portfolio (currently known asMet/Wellington Large Cap Research Portfolio) of the Met Investors Series Trust. Values prior to April 30, 2007 reflect the performance of the BlackRock Large Cap Portfolio(formerly the BlackRock Investment Trust Portfolio).

Non-Standardized Performance: Without surrender charges appliedas of 04/30/2018

While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certaintyor assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made according to one of theseasset allocation models neither guarantees a profit nor prevents the possibility of loss.

Investment Performance Is Not Guaranteed.

Effective on or about September 1, 2017, Massachusetts Financial Services replaced BlackRock Advisors, LLC as the subadviser to the MFS Value Portfolio II, which was previously known as BlackRock Large Cap Value Portfolio.

†Pro-rated based on an average contract size; not applicable for contracts with account values greater than $25,000.

*Annualized for Investment Options/Portfolios in existence for more than one year.

Certain investment options may have adopted, with respect to certain classes, a distribution plan under Rule 12b-1 of the Investment Company Act of 1940. MetLife is paidthe 12b-1 fee under the plan. Please see the prospectus for more information.

Effective April 30, 2012, the Oppenheimer Capital Appreciation Portfolio merged into the Jennison Growth Portfolio. Values before April 30, 2012 reflect the performance ofthe Oppenheimer Capital Appreciation Portfolio.

Prior to the opening of business on April 29, 2013, the Oppenheimer Global Equity Portfolio of the Metropolitan Series Fund (MSF) merged with and into the Met/TempletonGrowth Portfolio of Met Investors Series Trust (MIST) and the Met/Templeton Growth Portfolio was renamed the MIST Oppenheimer Global Equity Portfolio. Values beforeApril 29, 2013 reflect the performance of the Oppenheimer Global Equity Portfolio of the Metropolitan Series Fund.

Effective April 29, 2013, Met/Franklin Templeton Founding Strategy Portfolio merged into MetLife Growth Strategy Portfolio (now known as MetLife Asset Allocation 80Portfolio). Values before April 29, 2013 reflect the performance of Met/Franklin Templeton Founding Strategy.

Asset allocation portfolios are "fund of funds" portfolios. Because of this two-tier structure, each asset allocation portfolio bears its own investmentmanagement fee and expenses as well as its pro rata share of the management fee and expenses of the underlying portfolios. The Contract Owner may be ableto realize lower aggregate expenses by investing directly in the underlying portfolios instead of investing in an asset allocation portfolio. In that case, youwould not receive the asset allocation services provided by an investment adviser.

Page 2 of 5 Not valid without all pages

Page 3: Financial Freedom Select mapped Final - MetLife · PDF fileAdditional prospectuses for the MetLife Financial Freedom Select variable a nnuity issued by Metropolitan Life Insurance

CLVA6586-B

L0418504437[exp0519][All States][DC]

Additional prospectuses for the MetLife Financial Freedom Select variable annuity issued by Metropolitan Life Insurance Company and for the investment portfolios are available from your financial professional or at www.metlife.com. The contract prospectus contains information about the contract’s features, risks, charges and expenses. Investors should consider the investment objectives, contract features, risks charges and expenses of the investment company carefully before investing. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. Please refer to the contract prospectus for more complete details regarding the living and death benefits.

www.metlife.com • 1-800-638-7732

The MetLife Financial Freedom Select variable annuity is issued by Metropolitan Life Insurance Company, New York, NY 10166 on Policy Form Series MFFS_07/01_. All products are distributed byMetLife Investors Distribution Company (member FINRA), New York, NY 10166. Both are MetLife companies.

Metropolitan Life Insurance Company • New York, NY 10166

Distributions of 401(k), 403(b) or 457(b) salary reduction contributions allocated to your annuity account, and the earnings on such contributions, are generally not permitted prior to attaining normal retirement age under your retirement plan except under certain situations, such as your severance from employment with the employer sponsoring the plan or your death, disability or hardship as provided under the plan. Distributions of contributions and earnings may also be restricted as defined in the plan documents. Contact your plan administrator to determine when and under what circumstances you may request a distribution from your plan. Where permitted, distributions of taxable amounts are generally subject to ordinary income tax and, if made before age 59½, may be subject to a 10% federal income tax penalty. In the case of 457(b) governmental plans, the 10% federal income tax penalty may apply to amounts rolled over from another type of qualified retirement plan or IRA. Because the purchase of a variable annuity through an employer retirement plan does not provide additional tax-deferral benefits beyond those already provided through the retirement plan, you should consider the variable annuity for its death benefit, annuity options and other non-tax related benefits. Distributions will reduce the living and death benefits and account value and may be subject to withdrawal charges.

Variable annuities are long-term investments designed for retirement purposes. Variable annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in this product will meet its stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. All product guarantees, including optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. Please contact your financial professional for complete details.

Page 3 of 5 Not valid without all pages

Page 4: Financial Freedom Select mapped Final - MetLife · PDF fileAdditional prospectuses for the MetLife Financial Freedom Select variable a nnuity issued by Metropolitan Life Insurance

B Class

B Class

Asset Class Variable Investment Options 1 Year 5 Year*

10 Year or Since Portfolio

Inception* 1 Year 5 Year*

10 Year or Since

Investment Division

Inception*

Portfolio Inception

Date

Investment Division Inception

DateAsset Allocation

American Funds® Balanced Allocation -2.01% 3.93% 3.22% -1.02% 4.30% 3.19% 04/28/2008 04/28/2008

American Funds® Growth Allocation 0.98% 5.89% 3.82% 1.87% 6.25% 3.73% 04/28/2008 04/28/2008

American Funds® Moderate Allocation -4.83% 2.28% 2.48% -3.96% 2.63% 2.50% 04/28/2008 04/28/2008

Brighthouse Asset Allocation 20 -8.73% -1.00% 1.58% -7.78% -0.74% 1.76% 05/02/2005 05/02/2005

Brighthouse Asset Allocation 40 -6.19% 0.95% 2.39% -5.28% 1.21% 2.66% 05/02/2005 05/02/2005

Brighthouse Asset Allocation 60 -3.55% 2.91% 3.02% -2.73% 3.12% 3.35% 05/02/2005 05/02/2005

Brighthouse Asset Allocation 80 -0.73% 4.69% 3.49% 0.12% 4.89% 3.90% 05/02/2005 05/02/2005

Brighthouse Asset Allocation 100 1.55% 6.11% 3.68% 2.45% 6.31% 4.18% 05/02/2005 05/02/2005

SSGA Growth and Income ETF -3.29% 1.99% 2.84% -2.17% 2.39% 3.24% 09/30/2005 05/01/2006

SSGA Growth ETF -0.87% 3.39% 3.07% 0.28% 3.81% 3.56% 09/30/2005 05/01/2006

Domestic Equity (Large Cap) American Funds® Growth 6.86% 10.68% 6.15% 7.29% 10.80% 6.46% 02/08/1984 05/01/2001

American Funds® Growth-Income 4.00% 9.11% 5.58% 3.60% 9.32% 5.95% 02/08/1984 05/01/2001

BlackRock Capital Appreciation 12.96% 11.28% 6.54% 14.25% 11.11% 7.10% 10/31/1994 08/05/2002

Brighthouse/Wellington Core Equity Opportunities -1.18% 6.94% 3.70% -1.23% 7.15% 4.20% 10/31/1994 07/05/2000

Brighthouse/Wellington Large Cap Research -1.00% 9.29% 5.29% 0.04% 9.49% 5.81% 06/24/1983 07/02/1990

ClearBridge Aggressive Growth -3.91% 7.29% 7.34% -2.98% 7.74% 7.81% 02/12/2001 05/01/2001

Jennison Growth 12.74% 12.71% 5.69% 14.97% 12.91% 6.42% 02/12/2001 08/05/2002

MetLife Stock Index 0.28% 8.26% 5.60% 0.97% 8.60% 6.08% 05/01/1990 07/02/1990

MFS® Value -4.48% 6.75% 5.02% -3.18% 7.48% 5.64% 11/09/1998 11/09/1998

T. Rowe Price Large Cap Growth 8.21% 12.48% 8.23% 10.99% 12.59% 8.82% 11/09/1998 11/09/1998

Domestic Equity (Mid Cap)

Brighthouse/Artisan Mid Cap Value Portfolio -2.57% 4.13% 3.85% -4.95% 3.66% 4.02% 04/30/1993 05/01/2001

MetLife Mid Cap Stock Index -2.86% 7.11% 6.71% -1.78% 7.30% 7.54% 07/05/2000 07/05/2000

Morgan Stanley Mid Cap Growth 13.09% 6.01% 1.43% 19.89% 6.86% 2.05% 03/03/1997 03/03/1997

T. Rowe Price Mid Cap Growth 3.38% 10.57% 8.45% 6.71% 10.91% 9.36% 02/12/2001 05/01/2001

Victory Sycamore Mid Cap Value -4.61% 3.66% 2.94% -5.71% 3.63% 3.70% 11/09/1998 11/09/1998

Domestic Equity (Small Cap) Brighthouse Small Cap Value -4.18% 6.65% 4.56% -4.03% 6.35% 4.90% 05/01/2002 08/05/2002

Invesco Small Cap Growth 6.68% 9.83% 7.98% 7.62% 9.33% 8.55% 10/09/2001 05/01/2002

Loomis Sayles Small Cap Core -1.06% 7.63% 7.24% -0.50% 7.52% 7.65% 05/02/1994 07/05/2000

Loomis Sayles Small Cap Growth 7.21% 9.50% 7.80% 9.39% 9.21% 8.41% 05/01/2001 05/01/2001

MetLife Russell 2000® Index -1.06% 7.37% 6.33% -0.85% 7.08% 6.66% 11/09/1998 11/09/1998

Neuberger Berman Genesis -1.38% 7.31% 3.84% 0.61% 7.14% 4.39% 07/05/2000 07/05/2000

T. Rowe Price Small Cap Growth 1.89% 9.99% 9.49% 4.26% 10.09% 10.30% 03/03/1997 03/03/1997

Balanced Calvert VP SRI Balanced -4.85% 3.35% 2.88% -4.38% 3.50% 3.11% 09/30/1986 05/01/1991

MFS® Total Return -6.61% 2.99% 3.24% -5.53% 3.40% 3.57% 04/30/1987 08/05/2002

International Equity American Funds® Global Small Capitalization 3.23% 4.61% 1.86% 4.45% 4.69% 2.04% 04/30/1998 05/01/2001

Harris Oakmark International 0.80% 4.02% 4.71% 3.08% 4.70% 4.97% 10/09/2001 05/01/2002

Loomis Sayles Global Markets 1.96% 4.63% 4.53% 4.77% 4.96% 10.37% 04/28/2006 11/10/2008

MetLife MSCI EAFE® Index 1.17% 1.30% -1.21% 2.02% 1.98% -0.84% 11/09/1998 11/09/1998

MFS® Research International 2.94% 1.02% -0.82% 5.60% 1.69% -0.33% 02/12/2001 05/01/2001

Oppenheimer Global Equity 6.66% 6.75% 4.79% 10.38% 7.31% 5.28% 03/03/1997 03/03/1997

Fixed Income American Funds® Bond -11.73% -2.85% -0.47% -10.37% -2.50% -0.24% 04/30/1997 05/01/2006

BlackRock Bond Income -11.10% -2.15% 0.79% -9.77% -1.74% 0.93% 08/26/1983 07/02/1990

Brighthouse/Franklin Low Duration Total Return -10.96% -2.92% -1.94% -10.76% -2.87% -2.05% 04/29/2011 05/02/2011

MetLife Aggregate Bond Index Portfolio -11.88% -2.96% 0.26% -10.51% -2.61% 0.31% 11/09/1998 11/09/1998

PIMCO Inflation Protected Bond -10.89% -4.70% 0.24% -10.33% -4.52% 0.11% 05/01/2003 05/01/2006

PIMCO Total Return -11.00% -2.81% 1.47% -9.53% -2.44% 1.59% 02/12/2001 05/01/2001

Western Asset Management Strategic Bond Opportunities -9.00% -1.09% 3.13% -7.22% -0.50% 3.30% 10/31/1994 05/01/2001

Western Asset Management U.S. Government -11.71% -3.40% -0.90% -10.93% -3.24% -0.87% 10/31/1994 05/01/2001

Specialty Clarion Global Real Estate -6.63% -1.75% -0.31% -7.24% -0.60% 0.16% 04/30/2004 05/01/2004

†Pro-rated based on an average contract size; not applicable for contracts with account values greater than $25,000.

*Annualized for Investment Options/Portfolios in existence for more than one year.

Prior to March 6, 2017, Brighthouse Funds Trust I was known as Met Investors Series Trust and Brighthouse Funds Trust II was known as Metropolitan Series Fund.

- Return Not Available

Standardized as of 03/31/2018Assuming Contract Surrender

The performance data quoted represents past performance and does not guarantee future results. Performance current to the most recent month-end may be viewed at www.metlife.com. The investment return and principal value of an investment will fluctuate and an investor's shares, when redeemed, may be worth more or less than their original cost. Each Investment Option consists of an investment division of the separate account supporting the contract (an "Investment Division") that invests solely in shares of a fund portfolio (a "Portfolio"). Standardized Performance for an Investment Option, as defined by the SEC, is the Average Annual Total Return for periods commencing no earlier than the Investment Division inception date and terminating at the end of the most recent calendar quarter. Average Annual Total Returns shown that include periods prior to the Investment Division inception date are Non-Standardized Performance . Charges for Standardized Performance include all Portfolio-level expenses, the Separate Account Charge of 1.25% which includes the Optional Annual Step-Up Death Benefit (the Separate Account Charge includes an additional charge of 0.25% as a percentage of your average Account Balance in the American Funds Bond, American Funds Growth, American Funds Growth-Income and American Funds Global Small Capitalization Investment Divisions), the Lifetime Withdrawal Guarantee Benefit charge of 0.95% of the Total Guaranteed Withdrawal Amount, the maximum applicable withdrawal charge of 9% and the annual Account Fee of $30†. Past performance does not guarantee future results.

Average Annual Total Returnas of 04/30/2018

Assuming Contract Surrender

Page 4 of 5 Not valid without all pages

Page 5: Financial Freedom Select mapped Final - MetLife · PDF fileAdditional prospectuses for the MetLife Financial Freedom Select variable a nnuity issued by Metropolitan Life Insurance

CLVA6586-B

L0418504437[exp0519][All States][DC]

Metropolitan Life Insurance Company • New York, NY 10166

The MetLife Financial Freedom Select variable annuity is issued by Metropolitan Life Insurance Company, New York, NY 10166 on Policy Form SeriesMFFS_07/01_. All products are distributed byMetLife Investors Distribution Company (member FINRA), New York, NY 10166. Both are MetLifecompanies.

This is past performance and is no guarantee of future results.

Investment Performance Is Not Guaranteed.

www.metlife.com • 1-800-638-7732

Distributions of 401(k), 403(b) or 457(b) salary reduction contributions allocated to your annuity account, and the earnings on suchcontributions, are generally not permitted prior to attaining normal retirement age under your retirement plan except under certainsituations, such as your severance from employment with the employer sponsoring the plan or your death, disability or hardship asprovided under the plan. Distributions of contributions and earnings may also be restricted as defined in the plan documents. Contactyour plan administrator to determine when and under what circumstances you may request a distribution from your plan. Wherepermitted, distributions of taxable amounts are generally subject to ordinary income tax and, if made before age 59½, may be subject toa 10% federal income tax penalty. In the case of 457(b) governmental plans, the 10% federal income tax penalty may apply to amountsrolled over from another type of qualified retirement plan or IRA. Because the purchase of a variable annuity through an employerretirement plan does not provide additional tax-deferral benefits beyond those already provided through the retirement plan, youshould consider the variable annuity for its death benefit, annuity options and other non-tax related benefits. Distributions will reducethe living and death benefits and account value and may be subject to withdrawal charges.

Current performance may be lower or higher than the performance quoted.

Variable annuities are long-term investments designed for retirement purposes. Variable annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in thisproduct will meet its stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, whenwithdrawn, it may be worth more or less than its original value. All product guarantees, including optional benefits, are subject to theclaims-paying ability and financial strength of the issuing insurance company. Please contact your financial professional for completedetails.

Additional prospectuses for the MetLife Financial Freedom Select variable annuity issued by Metropolitan Life Insurance Companyand for the investment portfolios are available from your financial professional or at www.metlife.com. The contract prospectuscontains information about the contract’s features, risks, charges and expenses. Investors should consider the investment objectives,contract features, risks charges and expenses of the investment company carefully before investing. The investment objectives, risks andpolicies of the investment options, as well as other information about the investment options, are described in their respectiveprospectuses. Please read the prospectuses and consider this information carefully before investing. Product availability and featuresmay vary by state. Please refer to the contract prospectus for more complete details regarding the living and death benefits.

Page 5 of 5 Not valid without all pages