Variable Universal Life Insurance

Variable Universal Life Insurance

Variable Universal Life Insurance is a form of Permanent Life Insurance with flexible terms and investment possibilities.

Capitalizing on life’s opportunities can be just as important as preparing for life’s uncertainties. MetLife’s Equity Advantage Variable Universal Life insurance gives you the chance to do both—all in one policy.

Variable Universal Life Insurance has flexible terms that allow you to change, within limits, the death benefit and the timing and amount of your premiums. It also lets you invest your cash value in professionally-managed funding options that reflect the performance of underlying investments such as stocks and bonds.

Variable Universal Life Insurance can be the right choice if you want:

  • Protection that can last a lifetime
  • Flexibility to accommodate life changes
  • Cash value with market growth potential

Some things to consider about Variable Universal Life Insurance:

  • As with any investment, the value of the funding options will fluctuate with changes in market conditions. There is growth potential, but also risk of loss.
  • Skipping or postponing premiums can affect your policy’s cash value and death benefit, and may cause increased premium requirements later.

MetLife’s Equity Advantage Variable Universal Life insurance is sold by prospectus only.

You might also consider:

Term Life Insurance for temporary simplified coverage and no cash value.

Whole Life Insurance for permanent coverage, with guaranteed premiums, death benefit and cash value growth.

Universal Life Insurance for permanent coverage, flexibility and less emphasis on cash value growth.

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Guarantees subject to the insurer’s claims-paying ability and financial strength.

Like most insurance policies, MetLife’s policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete costs and details, see your Representative.

Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this website is not intended to (and cannot) be used by anyone to avoid IRS penalties. This website supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax advisor.

Variable life insurance products, are offered by prospectus only. The prospectus contains information about the product’s features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlying funding choices. Read the  and consider this information carefully before you invest or send money. Product availability and features may vary by state. All product guarantees are based on the claims-paying ability of the issuing insurance company. The amounts allocated to the variable investment options of your account balance are subject to market fluctuations so that, when withdrawn or annuitized it may be worth more or less than its original value.

Equity Advantage Variable Universal Life is issued in all jurisdictions except New York by MetLife Investors USA Insurance Company (MLI), 5 Park Plaza, Suite 1900, Irvine, CA 92614 on policy form 5E-46-06 and in New York only by Metropolitan Life Insurance Company (MLIC), 200 Park Ave., New York, NY 10166 on policy form 1E-46-06-NY-1, and distributed by MetLife Investors Distribution Company (MLIDC)(member FINRA), Irvine, CA 92614. MLI, MLIC and MLIDC are MetLife companies.