MetLife Income AnnuitySM

Predictable income that lasts as long as you live

MetLife Fixed Income Annuities, like all annuities, are insurance products and are not insured by the FDIC, the NCUSIF or any other government agency, nor are they guaranteed by, or the obligation of, the financial institution that sells them. All MetLife Fixed Income Annuity product guarantees are made solely by the issuing insurance company and are subject to the issuing insurance companys claims-paying ability and financial strength.

Like most annuity contracts, MetLife Fixed Income Annuities have limitations, exclusions, termination provisions and terms for keeping them in force. All contract guarantees and annuity payout rates are backed by the claims-paying ability and financial strength of the issuing insurance company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities and none makes any representations or guarantees regarding the claims-paying ability and financial strength of the issuing insurance company. Similarly, the issuing insurance company does not back the financial strength of the broker/dealer or any of its affiliates. Please contact your financial professional for complete details.

Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

The Single Premium Immediate Annuity is issued by MetLife Insurance Company USA on Policy Form Series MLIU-SPIA (07/06) and in New York, only by First MetLife Investors Insurance Company on Policy Form Series FMLI-SPIA (07/06). The MAX Income Single Premium Immediate Annuity is issued by Metropolitan Life Insurance Company, New York on Policy Form No. ML-SPIA (07/06) (collectively and singly, MetLife).

www.metlife.com/income

Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Union

2014 METLIFE INSURANCE COMPANY USAPEANUTS 2014 Peanuts Worldwide LLCCLFA8110-1L0914392887[0516]

Metropolitan Life Insurance Company First MetLife Investors Insurance Company200 Park AvenueNew York, NY 10166

MetLife Insurance Company USA11225 North Community House RoadCharlotte, NC 28277

Find more certainty in retirement... with a MetLife Income Annuity

A MetLife Income Annuity can provide you the security of lifetime

income without market risk, helping to sustain you throughout

retirement. Talk with your financial professional about how an income

annuity can help you find more certainty in retirement.

A MetLife Income Annuity gives you more certainty in retirement by offering guaranteed income without market risk.

You purchase an income annuity with a portion of your assets and

immediately start to receive stable, predictable income that lasts as

long as you live. Flexible payment options allow you to maximize

your income, receive increasing income over time or ensure you

will always get back what you put in.

Table of Contents

Why MetLife? .......................................................... 1

Retire with more confidence .............................. 2 - 3

Create the income that you need ....................... 4 - 5

Flexible options for you ..................................... 6 - 9

Income Annuity in action ....................................... 10

Advantages of a MetLife Income Annuity ............. 11

Product facts .......................................................... 12

1

Why MetLife?When you purchase financial products with guarantees, you want to know that those guarantees will hold true for as long as you need them. Thats why its important to choose products issued by an insurance company you can trust.

For over 145 years, MetLife1 has been insuring the lives of the people who depend on us. Our success is based on our long history of social responsibility, strong leadership, sound investments and innovative products and services.2

MetLife meets the challenges of today by drawing upon a long history of success.

A leading global provider of annuities, insurance and employee benefit programs.

Holds leading market positions in the United States, Japan, Latin America, Asia, Europe and the Middle East, through its subsidiaries and affiliates.

Named one of Fortune Magazine's 2014 World's Most Admired Companies Insurance: Life & Health.3

Product availability and features may vary by state.

1 Metropolitan Life Insurance Company and its affiliates

2 www.metlife.com, "Corporate Profile, MetLife History"

3 FORTUNE magazine, Most Admired Companies, March 17, 2014 issue

It is never too late, or too early, to start preparing for the retirement you want. You may even find that

creating a retirement strategy can help you live with more security and fewer worries now and after you

retire. No matter what you envision time spent with family and friends, a new hobby or travel youll

need income for each year of your retirement. A MetLife Income Annuity4 can help by providing you a

stable foundation of guaranteed lifetime income, so you can make the most of the money available to you

during retirement.

So whether youre looking to diversify your income sources, secure predictable, stable income or help cover

some of your day-to-day expenses in retirement, an income annuity from MetLife may be able to help.

2

more confidenceI can live my retirement with

3

What is an income annuity?

An income annuity is a contract between you and MetLife. You allocate a portion of your retirement assets in one single payment and MetLife provides you, or you and another person with stable, predictable income.

You can use this income to help pay for some of your day-to-day living expenses or supplement other income sources. Plus, you have the flexibility to choose from options that are right for you, based on your needs and circumstances.

A MetLife Income Annuity can provide you with guaranteed income that is typically higher than income payments from other products, such as bonds, CDs or money markets, based on todays volatility and low interest rates.5 This makes an income annuity an important piece of your overall retirement strategy.

With an income annuity, you can:

Continue to receive income each year, even if youve been paid back more than your initial investment.

Turn a portion of your assets into stable lifetime income you can count on to help cover some of your transportation, grocery, housing and health care costs.

Experience more certainty in retirement because you get income without market risk. Your income amount will never vary due to market fluctuations.

When combined with other investments, income annuities can help you live more comfortably throughout

retirement. Thats because an income annuity provides a certain stability other investments dont.

4 Referred to as Single Premium Immediate Annuity and MAX Income Single Premium Immediate Annuity in the contract and on related forms.

5 Source: www.bankrate.com. With bonds, CDs and money market accounts you retain access to remaining principal value. The MetLife Income Annuity offers limited access to your principal. Please note, there are income payout options that may return any remaining principal to a beneficiary if you should pass away unexpectedly. You must elect your payout option at the time of purchase and it cannot be changed once enacted. CDs are generally FDIC insured up to $250,000. Ask your financial professional for more details.

With a MetLife Income Annuity, you can:

use a portion of your assets to secure stable, predictable income for life

select the income payment option that is right for you

choose a payment option that can help you maximize your income, receive increasing income over time or ensure you will always get back what you put in

access some of your future payments should the need arise with the Early Access Option

Guarantees apply to certain insurance and

annuity products and are subject to product terms,

exclusions and limitations and the insurers claims-

paying ability and financial strength.

4

createWhen it comes to retirement, there is no one-size-fits-all solution. Thats why it is important to create an income

plan designed for you, taking into account your personal and financial circumstances. A MetLife Income Annuity is

a retirement tool that can be customized to fit your needs based on several factors including your age, gender and

the amount you contribute.

Whether youre single or married, need guaranteed income for life or a specific period of time, or want to take

care of your beneficiaries, the MetLife Income Annuity offers a variety of flexible payment options that can help

you create the income that you need in retirement. Your financial professional can help you determine which

option is most appropriate for your situation.

the income that you need

Lifetime Income

You can maximize your income with the Lifetime Income Option. This option provides the highest income payment amount for as long as you live. You may want to choose this option if you need to receive the highest amount of income and do not intend on leaving this money for a spouse or other beneficiary.

Lifetime Income with Cash Refund