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Variable Annuities

* 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 website to tax advantages, such as tax deferral and tax-free transfers, are subject to this consideration. Diversification does not ensure a profit or protect against a loss.

Annuity products are long-term investments designed for retirement purposes. Product availability and features may vary by state.

Prospectuses for variable annuities issued by a MetLife insurance company, and for the investment portfolios offered thereunder, are available from your financial professional. The contract prospectus contains information about the contract’s features, risks, charges and expenses. Investors should consider the investment objectives, 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.

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 The account value is subject to market fluctuations and investment risk so that, when withdrawn, it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. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution Tax on Net Investment Income if your modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the living and death benefits and account value. Withdrawals may be subject to withdrawal charges.

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.

Variable annuities, other than Preference Premier®, are issued by MetLife Insurance Company USA on Policy Form 8010 (11/00); 11225 North Community House Road, Charlotte, NC 28277 and in New York, only by First MetLife Investors Insurance Company on Policy Form 6010 (02/02); 200 Park Avenue, New York, NY 10166. The Preference Premier variable annuity is issued by Metropolitan Life Insurance Company on Policy Form PPS (07/01); 200 Park Avenue, New York, NY 10166 and is offered through MetLife Securities, Inc.; 1095 Avenue of the Americas, New York, NY 10036. Variable products are distributed by MetLife Investors Distribution Company (member FINRA). All are MetLife companies.


Category: Advisor

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