What is it?
Whole Life is the most basic type of permanent life insurance. Depending on your age and health, your premium will purchase a specific death benefit and produce a specific cash value, which are guaranteed for the life of the policy as long as your premiums are paid. Whole Life premiums, while higher than term premiums, are guaranteed not to increase. In addition, Whole Life policies can earn annual dividends (a return of part of the premium on participating insurance that is based on the insurer's investment, mortality and expense experience. Dividends are not guaranteed) which are based on MetLife's investment, mortality, and expense experience. Dividends are not guaranteed.

Who's it for?
People who:

• have a lifetime need for insurance protection

• prefer the high degree of safety provided by the policy's guarantees

• are attracted by the policy's ability to build tax-deferred cash values

• like to know that their premiums will never increase

Benefits: 
Over time, whole life insurance may be more economical than term insurance since premiums do not increase with age and the policy builds a cash value.

• Earnings, and certain withdrawals and loans, may qualify for tax-favored treatment.

• Policy loans and withdrawals provide access to your cash value.

• If you cancel the policy, the accumulated cash value is yours to use as you wish. Taxes may apply.

• Dividends can be taken in cash or used to increase the policy's cash value and death benefit. This means that certain "dividend options" may be used to purchase additional insurance coverage each year, regardless of your health.

• Premiums are guaranteed not to increase over the life of the policy.

• A minimum death benefit is guaranteed.

• The cash value is guaranteed to grow at a specified, minimum rate.

Some Drawbacks to Consider:

• Premiums are initially more costly than term premiums, although they remain level for the life of the policy.
• Unlike term insurance, whole life insurance offers no conversion option.
• Loans, withdrawals and any unpaid loan interest generally reduce the death benefit, which could leave beneficiaries inadequately protected.
• If accumulating funds is a goal, keep in mind that dividends are based on MetLife's investment, mortality, and expense experience, and are not guaranteed. Certain riders, such as the Equity Enricher®*, when added to your policy, provide you the opportunity to pay more premiums into a number of professionally managed equity-based portfolios.

Guarantee Advantage UL^SM universal life insurance can give you and your family not only the security of a guaranteed death benefit and the peace of mind that comes from a guaranteed lifetime income but will also give you the flexibility you want and affordability you need.

If you are interested in a guaranteed long-term life insurance protection without the cost usually associated with typical cash value oriented policies, then Guarantee Advantage UL may be appropriate for you. It offers available lifetime death benefit guarantee, flexibility of design to fit your individual circumstances and a new available feature that allows your beneficiary to receive the policy death benefit in the form of an enhanced monthly income for the rest of his or her life. Flexibility

Shouldn’t your life insurance policy be custom built around your life? We thought so. That’s why the Guarantee Advantage UL features a flexible design to fit your needs and put you in control.

Tell us how you want to customize your policy:

• Do you want the guaranteed protection to last past age 100? No problem, you can have it. Do you want it for a shorter duration than lifetime? Just tell us for how long.

• Similar flexibility exists when determining how long you pay the policy premiums. Whether you want to pay premiums every year to age 100, make a single premium payment, or anything in between, it’s possible.

• If your situation changes once the policy is issues, you will be able (within certain limits) to adjust both the premium amounts paid and the amount of coverage.

Affordability

Our policy is more affordable than you may think. Many other permanent life plans can be costly to maintain over a long period of time. Guarantee Advantage UL, however, was designed primarily to provide cost-effective permanent life insurance protection rather than cash value buildup. Therefore, the premium payments are much lower than you’d usually expect for permanent, more cash-value-oriented policies.

*Like most insurance policies, MetLife's policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force.