Please read the following terms and conditions carefully before using this web site or any of our other web sites.
You should review these terms and conditions regularly as they may change at any time at our sole discretion. The following terms and conditions apply to all of our web sites, including any web sites owned, operated or sponsored by any of our subsidiaries or affiliates but we may add to or supersede certain provisions of these terms and conditions with other provisions located in other parts of all of our web sites.

1. Liability

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS WEB SITE. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

THIS WEB SITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

2. We Do Not Have Responsibility for Links to Third-Party Content

LINKS TO THIRD-PARTY WEB SITES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB SITES IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT.

We reserve the right to terminate a link to a third-party web site at any time. The fact that we provide a link to a third-party web site does not necessarily mean that we endorse, authorize or sponsor that web site, nor that we are affiliated with the third-party web site's owners or sponsors. If you wish to link to any MetLife site, please contact our webmaster. If you are a MetLife group customer and wish to link your web site to this site, please contact your MetLife representatives for instructions.

3. Privacy/Treatment of Information or Data Transmitted to Us

Personal information transmitted to us will be treated in accordance with our Privacy Policy.

4. Proprietary Rights & Restricted Use

This web site's content is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this web site's content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. You are not authorized to post on or transmit to or from this web site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this web site, without the prior written permission of MetLife. You may request permission by sending a request by e-mail to cscontact@metlifeservice.com.

5. Making A Claim of Copyright Infringement

We respect the intellectual property of others.  If you believe your work has been copied and is accessible on the Web Site in a way that infringes your copyright, you may request removal of those materials from the Web Site by submitting written notification to our DMCA agent designated below. For your notice to be valid under the DMCA, it must include substantially the following: 

• Your physical or electronic signature;
• Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works, a representative list of such works;
• Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material;
• Adequate information by which we can contact you (including name, postal address, telephone number, and email address);
• A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law;
• A statement that the information in the written notice is accurate; and
• A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

If you believe material you posted on the Web Site was removed by mistake or misidentification, you may file a counter notification with us by submitting written notification to our DMCA agent designated below. We will restore your removed content if the party filing the original DMCA notice does not file a court action against you within ten business days of receiving the copy of your counter notice. For your counter notice to be valid under the DMCA, it must include substantially the following:

• Your physical or electronic signature;
• An identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled;
• Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address);
• A statement under penalty of perjury by you that you have a good faith belief that the material identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and
• A statement that you will consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located and that you will accept service from the person (or an agent of that person) who provided the Web Site with the complaint at issue.

Under the DMCA, if you knowingly, materially misrepresent that material or activity on the Web Site is infringing your copyright or was removed or disabled by mistake or misidentification, you may be held liable for damages, including costs and attorneys' fees.

In accordance with the DMCA and other applicable law, it is our policy in appropriate circumstances to disable and/or terminate the accounts of users who are repeat infringers. We may also at our sole discretion limit access to the services and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

Our designated copyright agent to receive DMCA notices and counter notices is:

MetLife Copyright Agent
c/o MetLife Law Dept.
200 Park Avenue 
New York, NY 10166

Phone: 1-855-351-6855
Email: hostmaster@metlife.com

Note that to make a claim of infringement, you will be required to make a declaration, under penalty of perjury, that the information contained in your claim is correct and that you are the Intellectual Property Rights owner or an agent of the owner.  If the information you submit is not accurate or complete, we may be unable to process or respond to your request. If you have questions about what intellectual property infringement is, or whether your rights were infringed, consider seeking legal advice.

6. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web Site

MetLife Services and Solutions, LLC is the copyright owner of all text contained on this web site. METLIFE®, METLIFE ONLINE®, LIFE ADVICE®, have you met life today?® and other trademarks and service marks of Metropolitan Life Insurance Company, or its subsidiaries or affiliates that may be referred to on this web site are the property of Metropolitan Life Insurance Company or one of its subsidiaries or affiliates. Other parties' trademarks and service marks that may be referred to are the property of their respective owners. Nothing on this web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission. The name of MetLife, Inc., Metropolitan Life Insurance Company, MetLife or our logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this web site, without prior written permission. You are not authorized to use our logo as a hyperlink to this web site unless you obtain our written permission in advance.

7. We Are Not Providing Investment Advice Nor Soliciting Offers

Nothing in this web site constitutes investment advice, including our filings with the U.S. Securities and Exchange Commissions (SEC). In addition, our investor relations materials and our other web site content are not offers to sell or solicitations of any offer to buy any security or any insurance product. No security offered by MetLife, Inc., its subsidiaries or affiliates is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities law or other laws of such jurisdiction. No such security is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction. In addition, any prospectus information available on this web site is posted for informational purposes only.

When available, our annual reports, 10-K and 10-Q reports and other materials will be accessible through this web site. Other materials we have filed with the SEC may be obtained by accessing http://www.freeedgar.com, by accessing the SEC's web site at http://www.sec.gov, by visiting the SEC at its Washington, D.C. or various regional offices or by hiring a document retrieval service to obtain the filings for you.

8. You Should Not Rely on the Stock Price Information on This Web Site

We do not generate the information regarding MetLife, Inc. stock prices for this web site. We believe that the information on the Investor Relations home page is accurate, but we cannot guarantee or warrant the accuracy, completeness, or timeliness of the information. You should not rely on the stock price information for investment purposes. We are not liable for any loss or damages, whether direct, indirect, incidental, special, consequential, or exemplary, that may arise from reliance on the stock price information on the Investor Relations portion of this web site.

9. Investors Should Not Unduly Rely on Any Forward-Looking Information

This web site contains information that includes or is based upon forward-looking statements within the meaning of the federal securities laws, specifically the Private Securities Litigation Reform Act of 1995. Forward-looking statements give our expectations or forecasts of future events. You can identify these statements by the fact that they do not relate strictly to historical or current facts. They typically use words such as "anticipate," "estimate," "expect," "project," "intend," "plan," "believe," and other similar words. Any or all of the forward-looking statements here or in other publications may turn out to be wrong.

Forward-looking statements can be affected by inaccurate assumptions or by known or unknown risks and uncertainties. Many such factors will be important in determining our actual future results. Consequently, there can be no assurance that the results described in such forward-looking statement will be realized. The risks and uncertainties that may cause actual results to differ materially from those expressed in such forward-looking statements include, but not limited to, the following: (i) changes in general economic conditions, including the performance of financial markets and interest rates; (ii) heightened competition, including with respect to pricing, entry of new competitors and the development of new products by new and existing competitors; (iii) unanticipated changes in industry trends; (iv) MetLife, Inc.'s primary reliance, as a holding company, on dividends from its subsidiaries to meet debt payment obligations and the applicable regulatory restrictions on the ability of the subsidiaries to pay such dividends; (v) deterioration in the experience of the "closed block" established in connection with the reorganization of Metropolitan Life Insurance Company; (vi) catastrophe losses; (vii) adverse litigation or arbitration results; (viii) regulatory, accounting or tax changes that may affect the cost of, or demand for, the company's products or services; (ix) downgrades in the company's and its affiliates' claims-paying ability, financial strength ratings or debt ratings; (x) changes in rating agency policies or practices; (xi) discrepancies between actual claims experience and assumptions used in setting prices for the company's products and establishing the liabilities for the company's obligations for future policy benefits and claims; (xii) discrepancies between actual experience and assumptions used in establishing liabilities related to other contingencies or obligations; (xiii) the effects of business disruption or economic contraction due to terrorism or other hostilities; and (xiv) other risks and uncertainties described from time to time in MetLife, Inc.'s filings with the Securities and Exchange Commission, including its S-1 and S-3 registration statements. The company specifically disclaims any obligation to update or revise any forward-looking statement, whether as a result of new information, future developments or otherwise. 

Given these uncertainties, you should not place undue reliance on these forward-looking statements. You should see our SEC filings for more information on these and other factors that could cause our actual results to differ materially from those indicated by such forward-looking statements.

10. All Products, Programs and Services May Not be Available in Your Area

This web site is controlled by us from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this web site in violation of U.S. export laws and regulations. The laws of the State of New York will govern the content and materials contained in this web site, without giving effect to any principles of conflicts of laws.

MetLife and its affiliates and subsidiaries are not authorized to do business in every jurisdiction. Information that MetLife publishes on this web site may contain references or cross-references to products, programs or services of MetLife, Inc., its subsidiaries or affiliates that are not available in your state or country. The products referred to on this web site may be offered and sold only to persons in the United States and its territories. Mutual funds are offered by MetLife Securities, Inc. and variable life insurance products by Metropolitan Life Insurance Company. Consult your local MetLife Financial Services Representative for information regarding the products, programs and services which may be available to you.

Metropolitan Life Insurance Company, NAIC Company Code Number 65978, is licensed to do business in all fifty states, the District of Columbia, Puerto Rico, and the Virgin Islands. Metropolitan Life Insurance Company is a domiciliary of, and has its principal place of business in, the State of New York.

11. Civil Union Couples

MetLife provides identical benefits and protections to civil union couples as married couples.

12. Retirement Plan Sponsors and Participants

The insurance company identified within the transactions as the issuer of the policy/contract is providing confirmation of the transactions on behalf of the variable product distributor, MetLife Investors Distribution Company, and your retail broker dealer, who are acting as agents for the insurance company.

13. Sending emails to MetLife

When submitting requests, forms, and/or any supporting documentation via email, you should be aware that once MetLife receives the email, the information contained in that email will be protected by MetLife’s IT security controls, and any email responses you receive from MetLife will be sent to you securely. Until your email reaches MetLife, however, MetLife has no control over, and disclaims all responsibility for, the security of the information you send when it is in transit to us or stored with your email service provider.