how can I guarantee

even when the market declines?

Growth – how can I guarantee

even when the market declines?

Growth –

You may be years from retirement. But that doesn’t mean you

should sit back and ignore your investments. The closer you get to

retirement and needing income, the more a market decline can hurt

your investment portfolio. Even if you’re not planning to retire for

another 5 to 15 years, you may want to think about protecting your

future retirement income from market declines.

shine some light on . . . saving for retirement with a variable annuity }{

Investment Performance Is Not Guaranteed.This material must be preceded or accompanied by a prospectus for the Preference PremierSM or Preference Plus Select® variable annuity issued by Metropolitan Life Insurance Company or the American Forerunner Series® issued by New England Life Insurance Company. Prospectuses for the investment portfolios are available from your financial professional or in the variable annuity sales kit. The contract prospectus contains information about the contract’s features, risks, charges and expenses. 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.Variable annuities are long-term investments designed for retirement purposes. MetLife 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 their 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 The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value.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 based on the claims-paying ability and financial strength of the issuing insurance company. Please contact your financial professional for complete details.Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be 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 document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax advisor.MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative 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.The Preference Premier and Preference Plus Select variable annuities are issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 on Policy Form PPS (07/01) and are distributed by MetLife Investors Distribution Company, 5 Park Plaza, Suite 1900, Irvine, CA 92614. The Preference Premier is offered through MetLife Securities, Inc., New York, NY and New England Securities Corporation, 501 Boylston Street, Boston, MA 02116 and the Preference Plus Select is offered through MetLife Securities, Inc., New York, NY. The American Forerunner Series variable annuity is issued by New England Life Insurance Company on Policy Form Number V-05/01.33 and is distributed by New England Securities Corporation, Boston, MA. New England Financial is the service mark for New England Life Insurance Company, Boston, MA and related companies. All are MetLife companies. October 2009

• Not A Deposit • Not FDIC-Insured • Not Insured By Any Federal Government Agency• Not Guaranteed By Any Bank Or Credit Union • May Go Down In Value

© 2009 METLIFE, INC.PEANUTS © United Feature Syndicate, Inc.CLVA6072L0609045936[0810]

GMIB Plus

what is a

Variable Annuity?In simplest terms, a variable annuity is a long-term contract between you and an insurance company in which the insurance

company makes periodic lifetime payments to you. A variable annuity contains investment options that have the potential to grow

and insurance features that offer protection, such as living and death benefits.

Variable annuities:

• Areoneoftheonlyinvestmentsyoucanbuythatofferincomeforlife,nomatterhowlongyoulive.

• Offerawidevarietyofinvestmentoptionstohelpyoudiversifyandgrowyourpurchasepaymentsonatax-deferredbasis.1 This

may help you keep pace with inflation.

• Providetheabilitytoreducedownsideriskbyofferingavarietyofoptionallivinganddeathbenefitridersthatcanhelpgrow

and protect immediate or future income and help provide for your loved ones, regardless of market conditions.

• Giveyoutheflexibilitytowithdrawportionsofyouraccountvalueifyouchoose.Youcanusethemoneyasanongoingsource

ofextraincomeorwithdrawitperiodically,asunexpectedfinancialneedsarise.

Although a variable annuity may be an appropriate choice for some people as part of an overall retirement portfolio, it is not

suitableforeveryone.Youshouldspeakwithyourfinancialprofessionaltoseeifavariableannuityisrightforyou.Pleaseread

the prospectus for complete details before investing.

To provide the investment and insurance-related features, variable annuities contain certain fees, including contract fees, a

separateaccountcharge, andvariable investmentoptionchargesandexpenses.Optional livinganddeathbenefit riders carry

additional charges.

Like most investments, variable annuity contracts will fluctuate in value and are subject to loss due to market declines.

Withdrawalchargesmayapplyifyouwithdrawprincipaltoosoon.Withdrawalsoftaxableamountsaresubjecttoordinaryincome

taxanda10%Federalincometaxpenaltymayapplyifmadepriortoage59½.Pleaseseetheprospectusforcompletedetails.

1 If you are buying a variable annuity to fund a qualified retirement plan or IRA, you should do so for the variable annuity’s features and benefits other than tax deferral. In such cases, tax deferral is not an additional benefit of the variable annuity. References throughout this material to tax advantages, such as tax deferral and tax-free transfers, are subject to this consideration.

Guarantees apply to certain insurance and annuity products and optional benefits (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer’s claims-paying ability and financial strength.

The Preference PremierSM and Preference Plus Select® variable annuities are issued by Metropolitan Life Insurance Company. The American Forerunner Series® variable annuity is issued by New England Life Insurance Company. All are MetLife companies and are referred to as “MetLife” throughout this brochure.

$0

$100k

$200k

Age

5655 57 58 59 60 61 62 64 65 66 67 68 69 70 7163

$300k

$400k

$500k

In this hypothetical example, let’s say you’re age 55 and have $100,000 to invest in a MetLife variable

annuity. Let’s compare a $100,000 investment in equities without the optional Guaranteed Minimum Income

Benefit Plus (GMIB Plus) living benefit rider (Portfolio 1) versus a $100,000 investment with the GMIB Plus

rider (Portfolio 2). Both portfolios are invested in the MetLife Stock Index Portfolio, which closely resembles

the S&P 500® Index.1 We used the portfolio’s real returns from the years 1993 through 2008.

With a MetLife variable annuity and the protection of

the optional GMIB Plus living benefit rider, you can

take advantage of market gains* and continue to grow

your retirement income – even if the market declines.

Guaranteedgrowth–

can mean more retirement income.

when the market declines –

The GMIB Plus is referred to as GMIB Plus II in the prospectus. The 5% Compounding income base is referred to as Annual Increase Amount in the prospectus. There is another component of the income base, known as the Highest Anniversary Value, which is not discussed here. Please see the prospectus for more details. The GMIB Plus income bases do not guarantee a cash or account value, cannot be taken as a lump sum and do not guarantee a minimum return for any investment portfolio. Please see the prospectus for complete details of the GMIB Plus, including any withdrawal limitations.

1 You cannot invest directly in the S&P 500 Index, an unmanaged index of 500 stocks. You may not allocate 100% of your purchase payments within the MetLife Stock Index Portfolio due to allocation requirements of the Build Your Own Portfolio Platform program.

This example is for illustrative purposes only and should not be deemed a representation of future performance or a guarantee of any kind. The illustration assumes no withdrawals and $100,000 invested into the MetLife Stock Index Portfolio from Dec. 31, 1992 – Dec. 31, 2008. The rate of return is reduced by an applicable 0.53% portfolio management fee and reflects variable annuity fees including a Separate Account Charge of 1.25%. The Portfolio 2 account value takes into account the 1.00% GMIB Plus rider fee. This hypothetical illustration does not take into account premium taxes. Withdrawal charges would apply if withdrawals exceed the contract’s free withdrawal amount. Please see the prospectus for further information.

The effects of income and penalty taxes have not been reflected in this hypothetical illustration. Withdrawals from the contract will be subject to ordinary income tax to the extent that the account value immediately before the withdrawal exceeds the total amount paid into the contract. A withdrawal in excess of this amount will constitute a nontaxable return of principal. If the taxpayer has not attained age 59½ at the time of the distribution, the portion of the withdrawal that is subject to ordinary income tax may also be subject to a 10% Federal income tax penalty.

MetLife Average Annual Total Return as of September 30, 2009 Assuming Contract Surrender (standardized performance). Shown below is the actual average annual total return since the Investment Option’s inception, derived from the performance of the investment option’s corresponding portfolio in the underlying trust, adjusted to reflect the charges and expenses as if the contract had existed during the stated period(s). The return information is based on the accumulation unit value and reflects all portfolio-level expenses, the Separate Account Charge of 1.25%, the Earnings Preservation Benefit rider charge of 0.25%, the Enhanced Death Benefit rider charge of 0.95% (issue ages 70–75), the GMIB Plus II rider charge of 1.00% of the “Income Base,”2 the maximum applicable withdrawal charge of up to 7% and the annual account fee of $30.3 The investment return and principal value of the investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original investment. Current performance may be lower or higher than the performance quoted. This is past performance and is no guarantee of future results. Average Annual Total Return calculations, current as of the most recent month end, are available at www.metlife.com.

MetLife StockIndex Portfolio

MetLife InvestmentOption Inception

7/2/90

1-Year

-17.03%

10-Year

-6.06%

5-Year

-4.02%

Since MetLife Inception

3.04%

2 The GMIB Plus and Enhanced Death Benefit riders are not available in all states.

3 Pro-rated based on an average contract size; not applicable for contracts with account values greater than $50,000.

4 Step-ups may be elected prior to age 81. Withdrawals may affect your ability to take a step-up.

5 Annuity income is determined using conservative GMIB Plus annuity rates. Annuity rates may differ by state.

For qualified contracts, taking required minimum distributions prior to exercising the GMIB Plus may reduce the rider’s benefit. See the prospectus for more details.

How much could you take in income?

Portfolio 1:Yourfinancialprofessionalmightsuggestyoutake5%ofyourretirementsavingsannually.In

thishypotheticalexample,atage71,thatwouldgiveyou$10,363eachyear–butwithnoguaranteethatyour

money would last as long as you need it to.

Portfolio 2:WiththeGMIBPlus,youareallowedtotakeupto5%ofyour5%Compoundingincomebase

annually,whilestillpreservingyourlifetimeincomeguarantee.Atage71,thatwouldgiveyou$24,988 each

year.Whileyouraccountvaluewoulddecline,yourincomebasewouldremainconstantat499,759.Youcan,

atsomefuturetime(10yearsafterthelaststep-up4), turn that value into guaranteed lifetime income under the

GMIBPluswhenyouannuitize.5Youmustexercisetheriderbythecontractanniversaryfollowingage90.

Growyourretirementincome–even in down markets – with a variable annuity.

About the GMIB Plus

• Optional benefit must be elected at contract issue and may be cancelled under the Guaranteed Principal Option (if available).

• Contract owner must be age 78 or younger at time of purchase.

• Available for an additional annual charge of 1.00% of the higher of the two income bases, deducted from account value and assessed on the contract anniversary date.*

• With GMIB Plus, you must allocate your purchase payments within the Build Your Own Portfolio Platform program. For available portfolios within this program, please see the Build Your Own Portfolio Platform Worksheet and the “Investment Allocation Restrictions for Certain Benefits” section of the prospectus.

{ Ask your financial professional about MetLife today.

* An optional step-up occurs because the account value exceeds the current year’s 5% Compounding income base. If a step-up occurs, the GMIB Plus Income Base will increase and thus the total fee for the rider (a percentage of the Income Base) will also increase. Also, upon a step-up, we may increase the annual charge, not to exceed the charge applicable to current annuity purchasers of the same rider. Maximum allowable charge is 1.50%.

Guarantees apply to certain insurance and annuity products and optional benefits (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer’s claims-paying ability and financial strength.

Please note: You can convert your annuity into income under the regular provisions of the contract at any time after the first 30 days from contract issue. If current annuity purchase rates applied to your account value would produce greater income, you’ll receive that instead. In that case, the GMIB Plus rider is not exercised, it terminates and you would have paid for the GMIB Plus rider without using it.

While the market does well, both portfolio account values grow.

When the market declines in the early 2000s, Portfolio 1 and 2 account values lose money. However, the 5% Compounding income base of Portfolio 2 continues to compound at 5% each year.

Because the GMIB Plus 5% Compounding income base steps up during good years and continues to compound at 5% during down years, after 16 years, Portfolio 2’s income base has grown to 499,759.

After 16 years, Portfolio 1’s account value is $207,253 and Portfolio 2’s account value is $165,364.

4

3

Portfolio 1 – Account value (without GMIB Plus)

Portfolio 2 – Account value (with GMIB Plus)

Portfolio 2 – 5% Compounding income base (GMIB Plus)

21

Age YearAccount value

at year end5% Compounding

income baseNet Rate of Return (%)

Account value at year end

Portfolio 1without GMIB Plus

Portfolio 2with GMIB Plus

55 $100,000 $100,000 100,000

56 1993 7.99% $107,985 $106,935 106,935*

57 1994 -0.34% $107,619 $105,450 112,282

58 1995 34.79% $145,055 $140,952 140,952*

59 1996 20.86% $175,311 $168,872 168,872*

60 1997 30.13% $228,132 $217,980 217,980*

61 1998 26.33% $288,205 $273,091 273,091*

62 1999 19.01% $343,004 $322,149 322,149*

63 2000 -10.70% $306,300 $284,294 338,257

64 2001 -14.64% $261,465 $239,129 355,169

65 2002 -23.48% $200,073 $179,252 372,928

66 2003 26.29% $252,674 $222,463 391,574

67 2004 8.90% $275,165 $238,154 411,153

68 2005 3.09% $283,663 $241,191 431,711

69 2006 13.77% $322,711 $269,860 453,296

70 2007 3.65% $334,505 $274,963 475,961

71 2008 -38.04% $207,253 $165,364 499,759

$0

$100k

$200k

Age

5655 57 58 59 60 61 62 64 65 66 67 68 69 70 7163

$300k

$400k

$500k

In this hypothetical example, let’s say you’re age 55 and have $100,000 to invest in a MetLife variable

annuity. Let’s compare a $100,000 investment in equities without the optional Guaranteed Minimum Income

Benefit Plus (GMIB Plus) living benefit rider (Portfolio 1) versus a $100,000 investment with the GMIB Plus

rider (Portfolio 2). Both portfolios are invested in the MetLife Stock Index Portfolio, which closely resembles

the S&P 500® Index.1 We used the portfolio’s real returns from the years 1993 through 2008.

With a MetLife variable annuity and the protection of

the optional GMIB Plus living benefit rider, you can

take advantage of market gains* and continue to grow

your retirement income – even if the market declines.

Guaranteedgrowth–

can mean more retirement income.

when the market declines –

The GMIB Plus is referred to as GMIB Plus II in the prospectus. The 5% Compounding income base is referred to as Annual Increase Amount in the prospectus. There is another component of the income base, known as the Highest Anniversary Value, which is not discussed here. Please see the prospectus for more details. The GMIB Plus income bases do not guarantee a cash or account value, cannot be taken as a lump sum and do not guarantee a minimum return for any investment portfolio. Please see the prospectus for complete details of the GMIB Plus, including any withdrawal limitations.

1 You cannot invest directly in the S&P 500 Index, an unmanaged index of 500 stocks. You may not allocate 100% of your purchase payments within the MetLife Stock Index Portfolio due to allocation requirements of the Build Your Own Portfolio Platform program.

This example is for illustrative purposes only and should not be deemed a representation of future performance or a guarantee of any kind. The illustration assumes no withdrawals and $100,000 invested into the MetLife Stock Index Portfolio from Dec. 31, 1992 – Dec. 31, 2008. The rate of return is reduced by an applicable 0.53% portfolio management fee and reflects variable annuity fees including a Separate Account Charge of 1.25%. The Portfolio 2 account value takes into account the 1.00% GMIB Plus rider fee. This hypothetical illustration does not take into account premium taxes. Withdrawal charges would apply if withdrawals exceed the contract’s free withdrawal amount. Please see the prospectus for further information.

The effects of income and penalty taxes have not been reflected in this hypothetical illustration. Withdrawals from the contract will be subject to ordinary income tax to the extent that the account value immediately before the withdrawal exceeds the total amount paid into the contract. A withdrawal in excess of this amount will constitute a nontaxable return of principal. If the taxpayer has not attained age 59½ at the time of the distribution, the portion of the withdrawal that is subject to ordinary income tax may also be subject to a 10% Federal income tax penalty.

MetLife Average Annual Total Return as of September 30, 2009 Assuming Contract Surrender (standardized performance). Shown below is the actual average annual total return since the Investment Option’s inception, derived from the performance of the investment option’s corresponding portfolio in the underlying trust, adjusted to reflect the charges and expenses as if the contract had existed during the stated period(s). The return information is based on the accumulation unit value and reflects all portfolio-level expenses, the Separate Account Charge of 1.25%, the Earnings Preservation Benefit rider charge of 0.25%, the Enhanced Death Benefit rider charge of 0.95% (issue ages 70–75), the GMIB Plus II rider charge of 1.00% of the “Income Base,”2 the maximum applicable withdrawal charge of up to 7% and the annual account fee of $30.3 The investment return and principal value of the investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original investment. Current performance may be lower or higher than the performance quoted. This is past performance and is no guarantee of future results. Average Annual Total Return calculations, current as of the most recent month end, are available at www.metlife.com.

MetLife StockIndex Portfolio

MetLife InvestmentOption Inception

7/2/90

1-Year

-17.03%

10-Year

-6.06%

5-Year

-4.02%

Since MetLife Inception

3.04%

2 The GMIB Plus and Enhanced Death Benefit riders are not available in all states.

3 Pro-rated based on an average contract size; not applicable for contracts with account values greater than $50,000.

4 Step-ups may be elected prior to age 81. Withdrawals may affect your ability to take a step-up.

5 Annuity income is determined using conservative GMIB Plus annuity rates. Annuity rates may differ by state.

For qualified contracts, taking required minimum distributions prior to exercising the GMIB Plus may reduce the rider’s benefit. See the prospectus for more details.

How much could you take in income?

Portfolio 1:Yourfinancialprofessionalmightsuggestyoutake5%ofyourretirementsavingsannually.In

thishypotheticalexample,atage71,thatwouldgiveyou$10,363eachyear–butwithnoguaranteethatyour

money would last as long as you need it to.

Portfolio 2:WiththeGMIBPlus,youareallowedtotakeupto5%ofyour5%Compoundingincomebase

annually,whilestillpreservingyourlifetimeincomeguarantee.Atage71,thatwouldgiveyou$24,988 each

year.Whileyouraccountvaluewoulddecline,yourincomebasewouldremainconstantat499,759.Youcan,

atsomefuturetime(10yearsafterthelaststep-up4), turn that value into guaranteed lifetime income under the

GMIBPluswhenyouannuitize.5Youmustexercisetheriderbythecontractanniversaryfollowingage90.

Growyourretirementincome–even in down markets – with a variable annuity.

About the GMIB Plus

• Optional benefit must be elected at contract issue and may be cancelled under the Guaranteed Principal Option (if available).

• Contract owner must be age 78 or younger at time of purchase.

• Available for an additional annual charge of 1.00% of the higher of the two income bases, deducted from account value and assessed on the contract anniversary date.*

• With GMIB Plus, you must allocate your purchase payments within the Build Your Own Portfolio Platform program. For available portfolios within this program, please see the Build Your Own Portfolio Platform Worksheet and the “Investment Allocation Restrictions for Certain Benefits” section of the prospectus.

{ Ask your financial professional about MetLife today.

* An optional step-up occurs because the account value exceeds the current year’s 5% Compounding income base. If a step-up occurs, the GMIB Plus Income Base will increase and thus the total fee for the rider (a percentage of the Income Base) will also increase. Also, upon a step-up, we may increase the annual charge, not to exceed the charge applicable to current annuity purchasers of the same rider. Maximum allowable charge is 1.50%.

Guarantees apply to certain insurance and annuity products and optional benefits (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer’s claims-paying ability and financial strength.

Please note: You can convert your annuity into income under the regular provisions of the contract at any time after the first 30 days from contract issue. If current annuity purchase rates applied to your account value would produce greater income, you’ll receive that instead. In that case, the GMIB Plus rider is not exercised, it terminates and you would have paid for the GMIB Plus rider without using it.

While the market does well, both portfolio account values grow.

When the market declines in the early 2000s, Portfolio 1 and 2 account values lose money. However, the 5% Compounding income base of Portfolio 2 continues to compound at 5% each year.

Because the GMIB Plus 5% Compounding income base steps up during good years and continues to compound at 5% during down years, after 16 years, Portfolio 2’s income base has grown to 499,759.

After 16 years, Portfolio 1’s account value is $207,253 and Portfolio 2’s account value is $165,364.

4

3

Portfolio 1 – Account value (without GMIB Plus)

Portfolio 2 – Account value (with GMIB Plus)

Portfolio 2 – 5% Compounding income base (GMIB Plus)

21

Age YearAccount value

at year end5% Compounding

income baseNet Rate of Return (%)

Account value at year end

Portfolio 1without GMIB Plus

Portfolio 2with GMIB Plus

55 $100,000 $100,000 100,000

56 1993 7.99% $107,985 $106,935 106,935*

57 1994 -0.34% $107,619 $105,450 112,282

58 1995 34.79% $145,055 $140,952 140,952*

59 1996 20.86% $175,311 $168,872 168,872*

60 1997 30.13% $228,132 $217,980 217,980*

61 1998 26.33% $288,205 $273,091 273,091*

62 1999 19.01% $343,004 $322,149 322,149*

63 2000 -10.70% $306,300 $284,294 338,257

64 2001 -14.64% $261,465 $239,129 355,169

65 2002 -23.48% $200,073 $179,252 372,928

66 2003 26.29% $252,674 $222,463 391,574

67 2004 8.90% $275,165 $238,154 411,153

68 2005 3.09% $283,663 $241,191 431,711

69 2006 13.77% $322,711 $269,860 453,296

70 2007 3.65% $334,505 $274,963 475,961

71 2008 -38.04% $207,253 $165,364 499,759

$0

$100k

$200k

Age

5655 57 58 59 60 61 62 64 65 66 67 68 69 70 7163

$300k

$400k

$500k

In this hypothetical example, let’s say you’re age 55 and have $100,000 to invest in a MetLife variable

annuity. Let’s compare a $100,000 investment in equities without the optional Guaranteed Minimum Income

Benefit Plus (GMIB Plus) living benefit rider (Portfolio 1) versus a $100,000 investment with the GMIB Plus

rider (Portfolio 2). Both portfolios are invested in the MetLife Stock Index Portfolio, which closely resembles

the S&P 500® Index.1 We used the portfolio’s real returns from the years 1993 through 2008.

With a MetLife variable annuity and the protection of

the optional GMIB Plus living benefit rider, you can

take advantage of market gains* and continue to grow

your retirement income – even if the market declines.

Guaranteedgrowth–

can mean more retirement income.

when the market declines –

The GMIB Plus is referred to as GMIB Plus II in the prospectus. The 5% Compounding income base is referred to as Annual Increase Amount in the prospectus. There is another component of the income base, known as the Highest Anniversary Value, which is not discussed here. Please see the prospectus for more details. The GMIB Plus income bases do not guarantee a cash or account value, cannot be taken as a lump sum and do not guarantee a minimum return for any investment portfolio. Please see the prospectus for complete details of the GMIB Plus, including any withdrawal limitations.

1 You cannot invest directly in the S&P 500 Index, an unmanaged index of 500 stocks. You may not allocate 100% of your purchase payments within the MetLife Stock Index Portfolio due to allocation requirements of the Build Your Own Portfolio Platform program.

This example is for illustrative purposes only and should not be deemed a representation of future performance or a guarantee of any kind. The illustration assumes no withdrawals and $100,000 invested into the MetLife Stock Index Portfolio from Dec. 31, 1992 – Dec. 31, 2008. The rate of return is reduced by an applicable 0.53% portfolio management fee and reflects variable annuity fees including a Separate Account Charge of 1.25%. The Portfolio 2 account value takes into account the 1.00% GMIB Plus rider fee. This hypothetical illustration does not take into account premium taxes. Withdrawal charges would apply if withdrawals exceed the contract’s free withdrawal amount. Please see the prospectus for further information.

The effects of income and penalty taxes have not been reflected in this hypothetical illustration. Withdrawals from the contract will be subject to ordinary income tax to the extent that the account value immediately before the withdrawal exceeds the total amount paid into the contract. A withdrawal in excess of this amount will constitute a nontaxable return of principal. If the taxpayer has not attained age 59½ at the time of the distribution, the portion of the withdrawal that is subject to ordinary income tax may also be subject to a 10% Federal income tax penalty.

MetLife Average Annual Total Return as of September 30, 2009 Assuming Contract Surrender (standardized performance). Shown below is the actual average annual total return since the Investment Option’s inception, derived from the performance of the investment option’s corresponding portfolio in the underlying trust, adjusted to reflect the charges and expenses as if the contract had existed during the stated period(s). The return information is based on the accumulation unit value and reflects all portfolio-level expenses, the Separate Account Charge of 1.25%, the Earnings Preservation Benefit rider charge of 0.25%, the Enhanced Death Benefit rider charge of 0.95% (issue ages 70–75), the GMIB Plus II rider charge of 1.00% of the “Income Base,”2 the maximum applicable withdrawal charge of up to 7% and the annual account fee of $30.3 The investment return and principal value of the investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original investment. Current performance may be lower or higher than the performance quoted. This is past performance and is no guarantee of future results. Average Annual Total Return calculations, current as of the most recent month end, are available at www.metlife.com.

MetLife StockIndex Portfolio

MetLife InvestmentOption Inception

7/2/90

1-Year

-17.03%

10-Year

-6.06%

5-Year

-4.02%

Since MetLife Inception

3.04%

2 The GMIB Plus and Enhanced Death Benefit riders are not available in all states.

3 Pro-rated based on an average contract size; not applicable for contracts with account values greater than $50,000.

4 Step-ups may be elected prior to age 81. Withdrawals may affect your ability to take a step-up.

5 Annuity income is determined using conservative GMIB Plus annuity rates. Annuity rates may differ by state.

For qualified contracts, taking required minimum distributions prior to exercising the GMIB Plus may reduce the rider’s benefit. See the prospectus for more details.

How much could you take in income?

Portfolio 1:Yourfinancialprofessionalmightsuggestyoutake5%ofyourretirementsavingsannually.In

thishypotheticalexample,atage71,thatwouldgiveyou$10,363eachyear–butwithnoguaranteethatyour

money would last as long as you need it to.

Portfolio 2:WiththeGMIBPlus,youareallowedtotakeupto5%ofyour5%Compoundingincomebase

annually,whilestillpreservingyourlifetimeincomeguarantee.Atage71,thatwouldgiveyou$24,988 each

year.Whileyouraccountvaluewoulddecline,yourincomebasewouldremainconstantat499,759.Youcan,

atsomefuturetime(10yearsafterthelaststep-up4), turn that value into guaranteed lifetime income under the

GMIBPluswhenyouannuitize.5Youmustexercisetheriderbythecontractanniversaryfollowingage90.

Growyourretirementincome–even in down markets – with a variable annuity.

About the GMIB Plus

• Optional benefit must be elected at contract issue and may be cancelled under the Guaranteed Principal Option (if available).

• Contract owner must be age 78 or younger at time of purchase.

• Available for an additional annual charge of 1.00% of the higher of the two income bases, deducted from account value and assessed on the contract anniversary date.*

• With GMIB Plus, you must allocate your purchase payments within the Build Your Own Portfolio Platform program. For available portfolios within this program, please see the Build Your Own Portfolio Platform Worksheet and the “Investment Allocation Restrictions for Certain Benefits” section of the prospectus.

{ Ask your financial professional about MetLife today.

* An optional step-up occurs because the account value exceeds the current year’s 5% Compounding income base. If a step-up occurs, the GMIB Plus Income Base will increase and thus the total fee for the rider (a percentage of the Income Base) will also increase. Also, upon a step-up, we may increase the annual charge, not to exceed the charge applicable to current annuity purchasers of the same rider. Maximum allowable charge is 1.50%.

Guarantees apply to certain insurance and annuity products and optional benefits (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer’s claims-paying ability and financial strength.

Please note: You can convert your annuity into income under the regular provisions of the contract at any time after the first 30 days from contract issue. If current annuity purchase rates applied to your account value would produce greater income, you’ll receive that instead. In that case, the GMIB Plus rider is not exercised, it terminates and you would have paid for the GMIB Plus rider without using it.

While the market does well, both portfolio account values grow.

When the market declines in the early 2000s, Portfolio 1 and 2 account values lose money. However, the 5% Compounding income base of Portfolio 2 continues to compound at 5% each year.

Because the GMIB Plus 5% Compounding income base steps up during good years and continues to compound at 5% during down years, after 16 years, Portfolio 2’s income base has grown to 499,759.

After 16 years, Portfolio 1’s account value is $207,253 and Portfolio 2’s account value is $165,364.

4

3

Portfolio 1 – Account value (without GMIB Plus)

Portfolio 2 – Account value (with GMIB Plus)

Portfolio 2 – 5% Compounding income base (GMIB Plus)

21

Age YearAccount value

at year end5% Compounding

income baseNet Rate of Return (%)

Account value at year end

Portfolio 1without GMIB Plus

Portfolio 2with GMIB Plus

55 $100,000 $100,000 100,000

56 1993 7.99% $107,985 $106,935 106,935*

57 1994 -0.34% $107,619 $105,450 112,282

58 1995 34.79% $145,055 $140,952 140,952*

59 1996 20.86% $175,311 $168,872 168,872*

60 1997 30.13% $228,132 $217,980 217,980*

61 1998 26.33% $288,205 $273,091 273,091*

62 1999 19.01% $343,004 $322,149 322,149*

63 2000 -10.70% $306,300 $284,294 338,257

64 2001 -14.64% $261,465 $239,129 355,169

65 2002 -23.48% $200,073 $179,252 372,928

66 2003 26.29% $252,674 $222,463 391,574

67 2004 8.90% $275,165 $238,154 411,153

68 2005 3.09% $283,663 $241,191 431,711

69 2006 13.77% $322,711 $269,860 453,296

70 2007 3.65% $334,505 $274,963 475,961

71 2008 -38.04% $207,253 $165,364 499,759

how can I guarantee

even when the market declines?

Growth – how can I guarantee

even when the market declines?

Growth –

You may be years from retirement. But that doesn’t mean you

should sit back and ignore your investments. The closer you get to

retirement and needing income, the more a market decline can hurt

your investment portfolio. Even if you’re not planning to retire for

another 5 to 15 years, you may want to think about protecting your

future retirement income from market declines.

shine some light on . . . saving for retirement with a variable annuity }{

Investment Performance Is Not Guaranteed.This material must be preceded or accompanied by a prospectus for the Preference PremierSM or Preference Plus Select® variable annuity issued by Metropolitan Life Insurance Company or the American Forerunner Series® issued by New England Life Insurance Company. Prospectuses for the investment portfolios are available from your financial professional or in the variable annuity sales kit. The contract prospectus contains information about the contract’s features, risks, charges and expenses. 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.Variable annuities are long-term investments designed for retirement purposes. MetLife 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 their 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 based on the claims-paying ability and financial strength of the issuing insurance company. Please contact your financial professional for complete details.Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be 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 document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax advisor.MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative 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.The Preference Premier and Preference Plus Select variable annuities are issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 on Policy Form PPS (07/01) and are distributed by MetLife Investors Distribution Company, 5 Park Plaza, Suite 1900, Irvine, CA 92614. The Preference Premier is offered through MetLife Securities, Inc., New York, NY and New England Securities Corporation, 501 Boylston Street, Boston, MA 02116 and the Preference Plus Select is offered through MetLife Securities, Inc., New York, NY. The American Forerunner Series variable annuity is issued by New England Life Insurance Company on Policy Form Number V-05/01.33 and is distributed by New England Securities Corporation, Boston, MA. New England Financial is the service mark for New England Life Insurance Company, Boston, MA and related companies. All are MetLife companies. October 2009

• Not A Deposit • Not FDIC-Insured • Not Insured By Any Federal Government Agency• Not Guaranteed By Any Bank Or Credit Union • May Go Down In Value

© 2009 METLIFE, INC.PEANUTS © United Feature Syndicate, Inc.CLVA6072L0609045936[0810]

GMIB Plus

what is a

Variable Annuity?In simplest terms, a variable annuity is a long-term contract between you and an insurance company in which the insurance

company makes periodic lifetime payments to you. A variable annuity contains investment options that have the potential to grow

and insurance features that offer protection, such as living and death benefits.

Variable annuities:

• Areoneoftheonlyinvestmentsyoucanbuythatofferincomeforlife,nomatterhowlongyoulive.

• Offerawidevarietyofinvestmentoptionstohelpyoudiversifyandgrowyourpurchasepaymentsonatax-deferredbasis.1 This

may help you keep pace with inflation.

• Providetheabilitytoreducedownsideriskbyofferingavarietyofoptionallivinganddeathbenefitridersthatcanhelpgrow

and protect immediate or future income and help provide for your loved ones, regardless of market conditions.

• Giveyoutheflexibilitytowithdrawportionsofyouraccountvalueifyouchoose.Youcanusethemoneyasanongoingsource

ofextraincomeorwithdrawitperiodically,asunexpectedfinancialneedsarise.

Although a variable annuity may be an appropriate choice for some people as part of an overall retirement portfolio, it is not

suitableforeveryone.Youshouldspeakwithyourfinancialprofessionaltoseeifavariableannuityisrightforyou.Pleaseread

the prospectus for complete details before investing.

To provide the investment and insurance-related features, variable annuities contain certain fees, including contract fees, a

separateaccountcharge, andvariable investmentoptionchargesandexpenses.Optional livinganddeathbenefit riders carry

additional charges.

Like most investments, variable annuity contracts will fluctuate in value and are subject to loss due to market declines.

Withdrawalchargesmayapplyifyouwithdrawprincipaltoosoon.Withdrawalsoftaxableamountsaresubjecttoordinaryincome

taxanda10%Federalincometaxpenaltymayapplyifmadepriortoage59½.Pleaseseetheprospectusforcompletedetails.

1 If you are buying a variable annuity to fund a qualified retirement plan or IRA, you should do so for the variable annuity’s features and benefits other than tax deferral. In such cases, tax deferral is not an additional benefit of the variable annuity. References throughout this material to tax advantages, such as tax deferral and tax-free transfers, are subject to this consideration.

Guarantees apply to certain insurance and annuity products and optional benefits (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer’s claims-paying ability and financial strength.

The Preference PremierSM and Preference Plus Select® variable annuities are issued by Metropolitan Life Insurance Company. The American Forerunner Series® variable annuity is issued by New England Life Insurance Company. All are MetLife companies and are referred to as “MetLife” throughout this brochure.

how can I guarantee

even when the market declines?

Growth – how can I guarantee

even when the market declines?

Growth –

You may be years from retirement. But that doesn’t mean you

should sit back and ignore your investments. The closer you get to

retirement and needing income, the more a market decline can hurt

your investment portfolio. Even if you’re not planning to retire for

another 5 to 15 years, you may want to think about protecting your

future retirement income from market declines.

shine some light on . . . saving for retirement with a variable annuity }{

Investment Performance Is Not Guaranteed.This material must be preceded or accompanied by a prospectus for the Preference PremierSM or Preference Plus Select® variable annuity issued by Metropolitan Life Insurance Company or the American Forerunner Series® issued by New England Life Insurance Company. Prospectuses for the investment portfolios are available from your financial professional or in the variable annuity sales kit. The contract prospectus contains information about the contract’s features, risks, charges and expenses. 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.Variable annuities are long-term investments designed for retirement purposes. MetLife 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 their 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 based on the claims-paying ability and financial strength of the issuing insurance company. Please contact your financial professional for complete details.Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be 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 document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax advisor.MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative 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.The Preference Premier and Preference Plus Select variable annuities are issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 on Policy Form PPS (07/01) and are distributed by MetLife Investors Distribution Company, 5 Park Plaza, Suite 1900, Irvine, CA 92614. The Preference Premier is offered through MetLife Securities, Inc., New York, NY and New England Securities Corporation, 501 Boylston Street, Boston, MA 02116 and the Preference Plus Select is offered through MetLife Securities, Inc., New York, NY. The American Forerunner Series variable annuity is issued by New England Life Insurance Company on Policy Form Number V-05/01.33 and is distributed by New England Securities Corporation, Boston, MA. New England Financial is the service mark for New England Life Insurance Company, Boston, MA and related companies. All are MetLife companies. October 2009

• Not A Deposit • Not FDIC-Insured • Not Insured By Any Federal Government Agency• Not Guaranteed By Any Bank Or Credit Union • May Go Down In Value

© 2009 METLIFE, INC.PEANUTS © United Feature Syndicate, Inc.CLVA6072L0609045936[0810]

GMIB Plus

what is a

Variable Annuity?In simplest terms, a variable annuity is a long-term contract between you and an insurance company in which the insurance

company makes periodic lifetime payments to you. A variable annuity contains investment options that have the potential to grow

and insurance features that offer protection, such as living and death benefits.

Variable annuities:

• Areoneoftheonlyinvestmentsyoucanbuythatofferincomeforlife,nomatterhowlongyoulive.

• Offerawidevarietyofinvestmentoptionstohelpyoudiversifyandgrowyourpurchasepaymentsonatax-deferredbasis.1 This

may help you keep pace with inflation.

• Providetheabilitytoreducedownsideriskbyofferingavarietyofoptionallivinganddeathbenefitridersthatcanhelpgrow

and protect immediate or future income and help provide for your loved ones, regardless of market conditions.

• Giveyoutheflexibilitytowithdrawportionsofyouraccountvalueifyouchoose.Youcanusethemoneyasanongoingsource

ofextraincomeorwithdrawitperiodically,asunexpectedfinancialneedsarise.

Although a variable annuity may be an appropriate choice for some people as part of an overall retirement portfolio, it is not

suitableforeveryone.Youshouldspeakwithyourfinancialprofessionaltoseeifavariableannuityisrightforyou.Pleaseread

the prospectus for complete details before investing.

To provide the investment and insurance-related features, variable annuities contain certain fees, including contract fees, a

separateaccountcharge, andvariable investmentoptionchargesandexpenses.Optional livinganddeathbenefit riders carry

additional charges.

Like most investments, variable annuity contracts will fluctuate in value and are subject to loss due to market declines.

Withdrawalchargesmayapplyifyouwithdrawprincipaltoosoon.Withdrawalsoftaxableamountsaresubjecttoordinaryincome

taxanda10%Federalincometaxpenaltymayapplyifmadepriortoage59½.Pleaseseetheprospectusforcompletedetails.

1 If you are buying a variable annuity to fund a qualified retirement plan or IRA, you should do so for the variable annuity’s features and benefits other than tax deferral. In such cases, tax deferral is not an additional benefit of the variable annuity. References throughout this material to tax advantages, such as tax deferral and tax-free transfers, are subject to this consideration.

Guarantees apply to certain insurance and annuity products and optional benefits (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer’s claims-paying ability and financial strength.

The Preference PremierSM and Preference Plus Select® variable annuities are issued by Metropolitan Life Insurance Company. The American Forerunner Series® variable annuity is issued by New England Life Insurance Company. All are MetLife companies and are referred to as “MetLife” throughout this brochure.