Insurance and annuity contracts contain exclusions, limitations, termination provisions, holding periods, surrender charges and terms for keeping it in force. A registered representative can provide you with costs and complete details.
Mutual funds are sold by prospectus only, which is available from your registered representative. You should carefully consider the investment objectives, risks, charges, and expenses before investing. For this and other information about any mutual fund investment please obtain a prospectus and read it carefully before you invest. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed. Diversification cannot eliminate the risk of investment losses, and past mutual fund performance is not a guarantee of future results.
Variable annuities are offered by prospectus only, which is available from your registered representative. You should carefully consider 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. This and other information is available in the prospectus, which you should read carefully before investing. The account value is subject to market fluctuations so that, when annuitized or withdrawn, they may be worth more or less than their original value.
While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. Asset allocation cannot guarantee a profit or prevent a loss.
The account balances, values and transaction details presented here are derived from our administrative system; they are not a legal statement of your account. We permit you to communicate instructions to us here solely for your convenience. Please refer to your confirmations and account statements as records of your account. Investments will fluctuate with changes in the securities markets and, therefore, may be worth more or less when redeemed.
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.
Withdrawals of taxable amounts are subject to ordinary income taxes and if made before age 59½, may be subject to a 10% Federal income tax penalty. Withdrawals may be subject to Withdrawal Charges.
The ability to change funding options or set up periodic transfers may be limited or unavailable during periods of peak demand, market volatility, systems upgrades, and maintenance or for reasons related to compliance with various, Federal, State or local laws. It is recommended that change requests be submitted at least 30 minutes prior to market close. (During normal business days, the market closes at 4 p.m. Eastern Time.)
All product guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.
Disability, Critical Illness/Cancer, and Accident Insurance is issued by Trustmark Insurance Company, 400 Field Drive, Lake Forest, IL 60045.
Group Legal Plans provided by Hyatt Legal Plans, Inc., Cleveland, Ohio. In some states, the plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI. Payroll deduction required. Minimum group size is 500 benefit eligible employees.
Advised Assets Group, LLC ("AAG"), a federally registered investment adviser and the adviser to the Triple Solutions Program, is not affiliated with MetLife, Inc. and its affiliated companies, and is solely responsible for its advice. Morningstar Investment Management LLC, a federally registered investment adviser, is AAG's independent financial expert for the Triple Solutions Program. There is no guarantee that participation in the program will result in a profit or that a program participant's account will outperform a plan account that is not in the program. The services described herein are provided by AAG pursuant to, and subject to, an agreement entered into by AAG and the plan sponsor. In order to enroll in this program, the participant will be required to enter into a separate agreement with AAG. MLIDC, an affiliate of MetLife, is paid a fee equal to 15 basis points (0.15%) on the assets advised in Managed Accounts and $10 for each participant in Online Advice for solicitation and administrative services provided by MetLife and MLIDC for AAG. MetLife does not sponsor any mutual funds offered under its platforms and provides clients full disclosure regarding any administrative services fees that may be received from third party mutual fund advisors or their affiliates. MetLife and/or its family of companies receive fees from the fund families or their affiliates for administrative, distribution and recordkeeping services.
The fixed interest account made available through group annuity contracts is issued by Metropolitan Life Insurance Company ("MLIC") New York, NY 10166 or Brighthouse Financial Charlotte, NC 28277.
The Gold Track Select (GTS) Variable Annuity with Registered Fixed Account Option is offered by prospectus only. You should carefully consider the product's features, risks, charges and expenses. This and other information is available in the prospectus, which you should read carefully before investing. Product availability and features may vary by state.
Gold Track Select Registered Fixed Account Option is issued by Brighthouse Financial Insurance Company, Charlotte, NC 28277 under policy form numbers L-14666, L-14669, and L-14672.
Products are distributed by MetLife Investors Distribution Company (MLIDC), (member FINRA).
The Fixed Annuity (marketed as Strategic Value Annuity) is offered by prospectus only. The prospectus contains information about the product's features, investment objectives, risks, charges and expenses and should be read carefully before investing. The investment objectives, risks and policies of the underlying funding options, as well as other information about the underlying funding options, are described in their respective prospectuses and should be read carefully before investing. The prospectuses are available from your registered representative. Product availability and features may vary by state. The amounts allocated to the variable funding 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 and income payments will rise and fall. All product guarantees are subject to the financial strength and claims-paying ability of Brighthouse Financial Life Insurance Company. Withdrawals from the Fixed Annuity may be subject to a market value adjustment upon plan termination. The market value adjustment may be higher or lower than your account value.
The Fixed Annuity (marketed as Strategic Value Annuity SVA) is issued by Brighthouse Financial Life Insurance Company under policy form numbers L-22149, 11225 North Community House Road, Charlotte, NC 28277 and distributed by Brighthouse Financial Distribution Company (member FINRA), 11225 N Community House Rd, Charlotte, NC 28277.
Preference Plus Account, Financial Freedom Account, and Enhanced Preference Plus Account Variable Annuities are issued by MLIC, New York, NY 10166. Gold Track Select Variable Annuities are issued by MetLife Insurance Company (MLIC) and Brighthouse Financial Life Insurance Company, Charlotte, NC 28277. Securities and investment advisory services are offered and distributed through MetLife Investors Distribution Company ("MLIDC") (member FINRA) and Brighthouse Distribution Company respectively.