0001193125-12-211662.txt : 20120504
0001193125-12-211662.hdr.sgml : 20120504
20120504151046
ACCESSION NUMBER: 0001193125-12-211662
CONFORMED SUBMISSION TYPE: 497
PUBLIC DOCUMENT COUNT: 1
FILED AS OF DATE: 20120504
DATE AS OF CHANGE: 20120504
EFFECTIVENESS DATE: 20120504
FILER:
COMPANY DATA:
COMPANY CONFORMED NAME: Metropolitan Life Separate Account UL
CENTRAL INDEX KEY: 0000858997
IRS NUMBER: 135581829
STATE OF INCORPORATION: NY
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: 497
SEC ACT: 1933 Act
SEC FILE NUMBER: 033-47927
FILM NUMBER: 12813871
BUSINESS ADDRESS:
STREET 1: METROPOLITAN LIFE INSURANCE COMPANY
STREET 2: 200 PARK AVENUE
CITY: NEW YORK
STATE: NY
ZIP: 10166
BUSINESS PHONE: 2125788717
MAIL ADDRESS:
STREET 1: METROPOLITAN LIFE INSURANCE COMPANY
STREET 2: 200 PARK AVENUE
CITY: NEW YORK
STATE: NY
ZIP: 10166
FORMER COMPANY:
FORMER CONFORMED NAME: METROPOLITAN LIFE SEPARATE ACCOUNT UL
DATE OF NAME CHANGE: 19920703
0000858997
S000004219
Metropolitan Life Separate Account UL
C000011871
Equity Advantage VUL and UL II
497
1
d341998d497.txt
MLIC EQUITY ADVANTAGE VUL
METROPOLITAN LIFE INSURANCE COMPANY
METROPOLITAN LIFE SEPARATE ACCOUNT UL
EQUITY ADVANTAGE VUL
UL II
FLEXIBLE PREMIUM MULTIFUNDED LIFE INSURANCE POLICIES
Supplement dated April 30, 2012 to the
Prospectus Supplement dated April 30, 2012
The table below replaces the Minimum and Maximum Total Annual Portfolio
Operating Expenses table in the prospectus supplement dated April 30, 2012.
MINIMUM AND MAXIMUM TOTAL ANNUAL PORTFOLIO OPERATING EXPENSES
MINIMUM MAXIMUM
------- -------
Total Annual Portfolio Operating Expenses
(expenses that are deducted from Portfolio assets, including management fees, distribution and/or service
(12b-1) fees, and other expenses)....................................................................... 0.27% 1.05%
The information in the table below replaces the portfolio fee and expense
information for indicated Portfolios as set forth in the Portfolio Fees and
Expenses table in the prospectus supplement dated April 30, 2012.
PORTFOLIO FEES AND EXPENSES
(as a percentage of average daily net assets)
DISTRIBUTION ACQUIRED TOTAL CONTRACTUAL NET TOTAL
AND/OR FUND ANNUAL FEE WAIVER ANNUAL
MANAGEMENT SERVICE(12B-1) OTHER FEES AND OPERATING AND/OR EXPENSE OPERATING
FEE FEES EXPENSES EXPENSES EXPENSES REIMBURSEMENT EXPENSES
---------- -------------- -------- -------- --------- -------------- ---------
Met Investors Series Trust -- Class A
BlackRock Large Cap Core Portfolio........ 0.59% -- 0.05% 0.01% 0.65% 0.01% 0.64%
Metropolitan Series Fund -- Class A
Loomis Sayles Small Cap Core Portfolio.... 0.90% -- 0.06% 0.09% 1.05% 0.08% 0.97%
MetLife Mid Cap Stock Index Portfolio..... 0.25% -- 0.05% 0.02% 0.32% 0.00% 0.32%
Russell 2000(R) Index Portfolio........... 0.25% -- 0.06% 0.08% 0.39% 0.00% 0.39%
METROPOLITAN LIFE INSURANCE COMPANY
EQUITY ADVANTAGE VUL -- FLEXIBLE PREMIUM MULTIFUNDED LIFE INSURANCE POLICIES
UL II -- FLEXIBLE PREMIUM MULTIFUNDED LIFE INSURANCE POLICIES
SUPPLEMENT DATED APRIL 30, 2012 TO
Prospectus Dated April 28, 2008 as previously amended (for Equity Advantage VUL)
Prospectus Dated May 1, 2003 as previously amended (for UL II)
This supplement updates certain information contained in your last prospectus,
as annually and periodically supplemented. You should read and retain this
supplement with your Policy. We will send you an additional copy of your most
recent prospectus (and any previous supplements thereto), without charge, on
written request sent to MetLife, P.O. Box 543, Warwick, RI 02887-0543. Equity
Advantage VUL and UL II Policies ARE NO LONGER AVAILABLE FOR SALE.
You allocate net premiums to and may transfer cash value among the available
investment divisions of the Metropolitan Life Separate Account UL (and, for
Equity Advantage VUL, the Fixed Account). Each available investment division,
in turn, invests in the shares of one of the following Portfolios:
AMERICAN FUNDS INSURANCE SERIES(R) (CLASS 2 SHARES)
American Funds Bond Fund
American Funds Global Small Capitalization Fund
American Funds Growth Fund
American Funds Growth-Income Fund
MET INVESTORS SERIES TRUST (CLASS A SHARES)
BlackRock Large Cap Core Portfolio
Clarion Global Real Estate Portfolio
Harris Oakmark International Portfolio
Invesco Small Cap Growth Portfolio
Janus Forty Portfolio
Lazard Mid Cap Portfolio
Legg Mason ClearBridge Aggressive Growth Portfolio
Lord Abbett Bond Debenture Portfolio
Lord Abbett Mid Cap Value Portfolio
MetLife Aggressive Strategy Portfolio
MFS(R) Research International Portfolio
Morgan Stanley Mid Cap Growth Portfolio
PIMCO Inflation Protected Bond Portfolio
PIMCO Total Return Portfolio
RCM Technology Portfolio
SSgA Growth and Income ETF Portfolio
SSgA Growth ETF Portfolio
T. Rowe Price Mid Cap Growth Portfolio
METROPOLITAN SERIES FUND (CLASS A SHARES)
Baillie Gifford International Stock Portfolio (formerly Artio International
Stock Portfolio)
Barclays Capital Aggregate Bond Index Portfolio
BlackRock Aggressive Growth Portfolio
BlackRock Bond Income Portfolio
BlackRock Diversified Portfolio
BlackRock Large Cap Value Portfolio
BlackRock Legacy Large Cap Growth Portfolio
BlackRock Money Market Portfolio*
Davis Venture Value Portfolio
FI Value Leaders Portfolio
Jennison Growth Portfolio
Loomis Sayles Small Cap Core Portfolio
Loomis Sayles Small Cap Growth Portfolio
Met/Artisan Mid Cap Value Portfolio
MetLife Conservative Allocation Portfolio
MetLife Conservative to Moderate Allocation Portfolio
MetLife Mid Cap Stock Index Portfolio
MetLife Moderate Allocation Portfolio
MetLife Moderate to Aggressive Allocation Portfolio
MetLife Stock Index Portfolio
MFS(R) Total Return Portfolio
MFS(R) Value Portfolio
MSCI EAFE(R) Index Portfolio (formerly Morgan Stanley EAFE(R) Index Portfolio)
Neuberger Berman Genesis Portfolio
Oppenheimer Global Equity Portfolio
Russell 2000(R) Index Portfolio
T. Rowe Price Large Cap Growth Portfolio
T. Rowe Price Small Cap Growth Portfolio
Western Asset Management Strategic Bond Opportunities Portfolio
Western Asset Management U.S. Government Portfolio
--------
* The BlackRock Money Market Portfolio is not available for Equity Advantage
VUL Policies.
The prospectuses for the Portfolios describe in greater detail an investment in
the Portfolios. YOU CAN OBTAIN PROSPECTUSES FOR THE PORTFOLIOS BY CALLING
1-800-638-5000.
1
SENDING COMMUNICATIONS AND PAYMENTS TO US
You can communicate all of your requests, instructions and notifications to us
by contacting us in writing at our Designated Office. We may require that
certain requests, instructions and notifications be made on forms that we
provide. These include: changing your beneficiary; taking a Policy loan;
changing your death benefit option; taking a partial withdrawal; surrendering
your Policy; making transfer requests (including elections with respect to the
automated investment strategies) or changing your premium allocations. As of
the date of this prospectus, requests for partial withdrawals and Policy loans
must be in writing. However, you should contact us at 1-800-MET-5000 for our
current procedures. Below is a list of our Designated Offices for various
functions. We may name additional or alternate Designated Offices. If we do, we
will notify you in writing. You may also contact us at 1-800-MET-5000 for
information on where to direct communication regarding any function not listed
below or for any other inquiry.
FUNCTION DESIGNATED OFFICE ADDRESS
---------------------------------------------------------------------------------
Premium Payments MetLife P.O. Box 371351, Pittsburgh, PA
15250-7351
---------------------------------------------------------------------------------
Payment Inquiries MetLife, P.O. Box 354, Warwick, RI
02887-0354
---------------------------------------------------------------------------------
Surrenders, Withdrawals, Loans, MetLife, P.O. Box 543, Warwick, RI
Investment Division Transfers, 02887-0543
Premium Reallocation
---------------------------------------------------------------------------------
Death Claims MetLife, P.O. Box 353, Warwick, RI
02887-0353
---------------------------------------------------------------------------------
Beneficiary & Assignment MetLife, P.O. Box 313, Warwick, RI
02887-0313
---------------------------------------------------------------------------------
Address Changes MetLife, 500 Schoolhouse Road,
Johnstown, PA 15904
Attn: Data Integrity
---------------------------------------------------------------------------------
Reinstatements MetLife, P.O. Box 30375, Tampa, FL 33630
---------------------------------------------------------------------------------
If you send your premium payments or transaction requests to an address other
than the one we have designated for receipt of such premium payments or
requests, we may return the premium payment to you, or there may be a delay in
applying the premium payment or transaction to your Policy.
THE FUNDS AND THEIR PORTFOLIOS
The following replaces the section entitled "Management of the Portfolios".
MANAGEMENT OF PORTFOLIOS
Each Fund has an investment adviser who is responsible for overall management
of the Fund. These investment advisers have contracted with sub-advisers to
make the day-to-day investment decisions for some of the Portfolios.
The adviser, any sub-adviser and investment objective of each Portfolio are as
follows:
-------------------------------------------------------------------------------------------------------------------
INVESTMENT OBJECTIVE INVESTMENT ADVISER/SUBADVISER
-------------------------------------------------------------------------------------------------------------------
AMERICAN FUNDS INSURANCE SERIES(R)--CLASS 2
-------------------------------------------------------------------------------------------------------------------
American Funds Bond Fund Seeks as high a level of current Capital Research and
income as is consistent with the Management Company
preservation of capital.
-------------------------------------------------------------------------------------------------------------------
American Funds Global Small Capitalization Fund Seeks long-term growth of capital. Capital Research and
Management Company
-------------------------------------------------------------------------------------------------------------------
American Funds Growth Fund Seeks growth of capital. Capital Research and
Management Company
-------------------------------------------------------------------------------------------------------------------
American Funds Growth-Income Fund Seeks long-term growth of capital Capital Research and
and income. Management Company
-------------------------------------------------------------------------------------------------------------------
2
--------------------------------------------------------------------------------------------------------------
INVESTMENT OBJECTIVE INVESTMENT ADVISER/SUBADVISER
--------------------------------------------------------------------------------------------------------------
MET INVESTORS SERIES TRUST--CLASS A
--------------------------------------------------------------------------------------------------------------
BlackRock Large Cap Core Portfolio Seeks long-term capital growth. MetLife Advisers, LLC
Subadviser: BlackRock Advisors,
LLC
--------------------------------------------------------------------------------------------------------------
Clarion Global Real Estate Portfolio Seeks total return through MetLife Advisers, LLC
investment in real estate Subadviser: CBRE Clarion
securities, emphasizing both Securities LLC (formerly ING
capital appreciation and current Clarion Real Estate Securities
income. LLC)
--------------------------------------------------------------------------------------------------------------
Harris Oakmark International Portfolio Seeks long-term capital MetLife Advisers, LLC
appreciation. Subadviser: Harris Associates
L.P.
--------------------------------------------------------------------------------------------------------------
Invesco Small Cap Growth Portfolio Seeks long-term growth of capital. MetLife Advisers, LLC
Subadviser: Invesco Advisers,
Inc.
--------------------------------------------------------------------------------------------------------------
Janus Forty Portfolio Seeks capital appreciation. MetLife Advisers, LLC
Subadviser: Janus Capital
Management LLC
--------------------------------------------------------------------------------------------------------------
Lazard Mid Cap Portfolio Seeks long-term growth of capital. MetLife Advisers, LLC
Subadviser: Lazard Asset
Management LLC
--------------------------------------------------------------------------------------------------------------
Legg Mason ClearBridge Aggressive Growth Seeks capital appreciation. MetLife Advisers, LLC
Portfolio Subadviser: ClearBridge
Advisors, LLC
--------------------------------------------------------------------------------------------------------------
Lord Abbett Bond Debenture Portfolio Seeks high current income and MetLife Advisers, LLC
the opportunity for capital Subadviser: Lord, Abbett & Co.
appreciation to produce a high LLC
total return.
--------------------------------------------------------------------------------------------------------------
Lord Abbett Mid Cap Value Portfolio Seeks capital appreciation MetLife Advisers, LLC
through investments, primarily in Subadviser: Lord, Abbett & Co.
equity securities, which are LLC
believed to be undervalued in the
marketplace.
--------------------------------------------------------------------------------------------------------------
MetLife Aggressive Strategy Portfolio Seeks growth of capital. MetLife Advisers, LLC
--------------------------------------------------------------------------------------------------------------
MFS(R) Research International Portfolio Seeks capital appreciation. MetLife Advisers, LLC
Subadviser: Massachusetts
Financial Services Company
--------------------------------------------------------------------------------------------------------------
Morgan Stanley Mid Cap Growth Portfolio Seeks capital appreciation. MetLife Advisers, LLC
Subadviser: Morgan Stanley
Investment Management Inc.
--------------------------------------------------------------------------------------------------------------
PIMCO Inflation Protected Bond Portfolio Seeks maximum real return, MetLife Advisers, LLC
consistent with preservation of Subadviser: Pacific Investment
capital and prudent investment Management Company LLC
management.
--------------------------------------------------------------------------------------------------------------
PIMCO Total Return Portfolio Seeks maximum total return, MetLife Advisers, LLC
consistent with the preservation Subadviser: Pacific Investment
of capital and prudent investment Management Company LLC
management.
--------------------------------------------------------------------------------------------------------------
RCM Technology Portfolio Seeks capital appreciation; no MetLife Advisers, LLC
consideration is given to income. Subadviser: RCM Capital
Management LLC
--------------------------------------------------------------------------------------------------------------
SSgA Growth and Income ETF Portfolio Seeks growth of capital and MetLife Advisers, LLC
income. Subadviser: SSgA Funds
Management, Inc.
--------------------------------------------------------------------------------------------------------------
SSgA Growth ETF Portfolio Seeks growth of capital. MetLife Advisers, LLC
Subadviser: SSgA Funds
Management, Inc.
--------------------------------------------------------------------------------------------------------------
T. Rowe Price Mid Cap Growth Portfolio Seeks long-term growth of capital. MetLife Advisers, LLC
Subadviser: T. Rowe Price
Associates, Inc.
--------------------------------------------------------------------------------------------------------------
3
---------------------------------------------------------------------------------------------------------------------
INVESTMENT OBJECTIVE INVESTMENT ADVISER/SUBADVISER
---------------------------------------------------------------------------------------------------------------------
METROPOLITAN SERIES FUND--CLASS A
---------------------------------------------------------------------------------------------------------------------
Baillie Gifford International Stock Portfolio Seeks long-term growth of capital. MetLife Advisers, LLC
Subadviser: Baillie Gifford
Overseas Limited*
---------------------------------------------------------------------------------------------------------------------
Barclays Capital Aggregate Bond Index Portfolio Seeks to track the performance of MetLife Advisers, LLC
the Barclays U.S. Aggregate Subadviser: MetLife Investment
Bond Index. Advisors Company, LLC
---------------------------------------------------------------------------------------------------------------------
BlackRock Aggressive Growth Portfolio Seeks maximum capital MetLife Advisers, LLC
appreciation. Subadviser: BlackRock Advisors,
LLC
---------------------------------------------------------------------------------------------------------------------
BlackRock Bond Income Portfolio Seeks a competitive total return MetLife Advisers, LLC
primarily from investing in fixed- Subadviser: BlackRock Advisors,
income securities. LLC
---------------------------------------------------------------------------------------------------------------------
BlackRock Diversified Portfolio Seeks high total return while MetLife Advisers, LLC
attempting to limit investment Subadviser: BlackRock Advisors,
risk and preserve capital. LLC
---------------------------------------------------------------------------------------------------------------------
BlackRock Large Cap Value Portfolio Seeks long-term growth of capital. MetLife Advisers, LLC
Subadviser: BlackRock Advisors,
LLC
---------------------------------------------------------------------------------------------------------------------
BlackRock Legacy Large Cap Growth Portfolio Seeks long-term growth of capital. MetLife Advisers, LLC
Subadviser: BlackRock Advisors,
LLC
---------------------------------------------------------------------------------------------------------------------
BlackRock Money Market Portfolio/1/ Seeks a high level of current MetLife Advisers, LLC
(NOT AVAILABLE FOR EQUITY ADVANTAGE VUL income consistent with Subadviser: BlackRock Advisors,
POLICIES) preservation of capital. LLC
---------------------------------------------------------------------------------------------------------------------
Davis Venture Value Portfolio/2/ Seeks growth of capital. MetLife Advisers, LLC
Subadviser: Davis Selected
Advisers, L.P.
---------------------------------------------------------------------------------------------------------------------
FI Value Leaders Portfolio Seeks long-term growth of capital. MetLife Advisers, LLC
Subadviser: Pyramis Global
Advisors, LLC
---------------------------------------------------------------------------------------------------------------------
Jennison Growth Portfolio Seeks long-term growth of capital. MetLife Advisers, LLC
Subadviser: Jennison Associates
LLC
---------------------------------------------------------------------------------------------------------------------
Loomis Sayles Small Cap Core Portfolio Seeks long-term capital growth MetLife Advisers, LLC
from investments in common Subadviser: Loomis, Sayles &
stocks or other equity securities. Company, L.P.
---------------------------------------------------------------------------------------------------------------------
Loomis Sayles Small Cap Growth Portfolio Seeks long-term capital growth. MetLife Advisers, LLC
Subadviser: Loomis, Sayles &
Company, L.P.
---------------------------------------------------------------------------------------------------------------------
Met/Artisan Mid Cap Value Portfolio Seeks long-term capital growth. MetLife Advisers, LLC
Subadviser: Artisan Partners
Limited Partnership
---------------------------------------------------------------------------------------------------------------------
MetLife Conservative Allocation Portfolio Seeks a high level of current MetLife Advisers, LLC
income, with growth of capital as
a secondary objective.
---------------------------------------------------------------------------------------------------------------------
MetLife Conservative to Moderate Allocation Seeks high total return in the MetLife Advisers, LLC
Portfolio form of income and growth of
capital, with a greater emphasis
on income.
---------------------------------------------------------------------------------------------------------------------
MetLife Mid Cap Stock Index Portfolio Seeks to track the performance of MetLife Advisers, LLC
the S&P MidCap 400(R) Composite Subadviser: MetLife Investment
Stock Price Index. Advisors Company, LLC
---------------------------------------------------------------------------------------------------------------------
MetLife Moderate Allocation Portfolio Seeks a balance between a high MetLife Advisers, LLC
level of current income and
growth of capital, with a greater
emphasis on growth of capital.
---------------------------------------------------------------------------------------------------------------------
MetLife Moderate to Aggressive Allocation Seeks growth of capital. MetLife Advisers, LLC
Portfolio
---------------------------------------------------------------------------------------------------------------------
4
---------------------------------------------------------------------------------------------------------------
INVESTMENT OBJECTIVE INVESTMENT ADVISER/SUBADVISER
---------------------------------------------------------------------------------------------------------------
MetLife Stock Index Portfolio Seeks to track the performance of MetLife Advisers, LLC
the S&P 500(R) Composite Stock Subadviser: MetLife Investment
Price Index. Advisors Company, LLC
---------------------------------------------------------------------------------------------------------------
MFS(R) Total Return Portfolio Seeks a favorable total return MetLife Advisers, LLC
through investment in a Subadviser: Massachusetts
diversified portfolio. Financial Services Company
---------------------------------------------------------------------------------------------------------------
MFS(R) Value Portfolio Seeks capital appreciation. MetLife Advisers, LLC
Subadviser: Massachusetts
Financial Services Company
---------------------------------------------------------------------------------------------------------------
MSCI EAFE(R) Index Portfolio Seeks to track the performance of MetLife Advisers, LLC
the MSCI EAFE(R) Index. Subadviser: MetLife Investment
Advisors Company, LLC
---------------------------------------------------------------------------------------------------------------
Neuberger Berman Genesis Portfolio Seeks high total return, consisting MetLife Advisers, LLC
principally of capital appreciation. Subadviser: Neuberger Berman
Management LLC
---------------------------------------------------------------------------------------------------------------
Oppenheimer Global Equity Portfolio Seeks capital appreciation. MetLife Advisers, LLC
Subadviser: OppenheimerFunds,
Inc.
---------------------------------------------------------------------------------------------------------------
Russell 2000(R) Index Portfolio Seeks to track the performance of MetLife Advisers, LLC
the Russell 2000(R) Index. Subadviser: MetLife Investment
Advisors Company, LLC
---------------------------------------------------------------------------------------------------------------
T. Rowe Price Large Cap Growth Portfolio Seeks long-term growth of capital MetLife Advisers, LLC
and, secondarily, dividend income. Subadviser: T. Rowe Price
Associates, Inc.
---------------------------------------------------------------------------------------------------------------
T. Rowe Price Small Cap Growth Portfolio Seeks long-term capital growth. MetLife Advisers, LLC
Subadviser: T. Rowe Price
Associates, Inc.
---------------------------------------------------------------------------------------------------------------
Western Asset Management Strategic Bond Seeks to maximize total return MetLife Advisers, LLC
Opportunities Portfolio consistent with preservation of Subadviser: Western Asset
capital. Management Company
---------------------------------------------------------------------------------------------------------------
Western Asset Management U.S. Government Seeks to maximize total return MetLife Advisers, LLC
Portfolio consistent with preservation of Subadviser: Western Asset
capital and maintenance of Management Company
liquidity.
---------------------------------------------------------------------------------------------------------------
* Prior to February 1, 2012, Artio Global Management LLC was the subadviser to
the Portfolio.
/1/ An investment in the BlackRock Money Market Portfolio is not insured or
guaranteed by the Federal Deposit Insurance Corporation or any other
government agency. Although the Portfolio seeks to preserve the value of
your investment at $100 per share, it is possible to lose money by
investing in the Portfolio. During extended periods of low interest rates,
the yields of the investment division in the BlackRock Money Market
Portfolio may become extremely low and possibly negative.
/2/ Davis selected Advisers, L.P. may also delegate any of its responsibilities
to Davis selected Advisers- NY, Inc., a wholly-owned subsidiary.
A Portfolio may have a name and/or objective that is very similar to that of a
publicly available mutual fund that is managed by the same sub-investment
manager or adviser. The Portfolios are not publicly available and will not have
the same performance as those publicly available mutual funds. Different
performance will result from differences in implementation of investment
policies, cash flows, fees and size of the Portfolio.
5
FEE TABLES
The following replaces the section entitled "Annual Portfolio Operating
Expenses".
ANNUAL PORTFOLIO OPERATING EXPENSES
The following tables describe the fees and expenses that the Portfolios will
pay and that therefore a Policy owner will indirectly pay periodically during
the time that he or she owns a Policy. The first table shows the minimum and
maximum fees and expenses charged by the Portfolios for the fiscal year ended
December 31, 2011. More detail concerning each Portfolio's fees and expenses is
contained in the table that follows this table and in the prospectuses for the
Portfolios. Certain Portfolios may impose a redemption fee in the future.
The next table describes the annual operating expenses for each Portfolio for
the year ended December 31, 2011, as a percentage of the Portfolio's average
daily net assets for the year (before and after contractual fee waivers and
expense reimbursements).
MINIMUM AND MAXIMUM TOTAL ANNUAL PORTFOLIO OPERATING EXPENSES
-----------------------------------------------------------------------------------------------
MINIMUM MAXIMUM
-----------------------------------------------------------------------------------------------
Total Annual Portfolio Operating Expenses
(expenses that are deducted from Portfolio assets, including management fees,
distribution and/or service (12b-1) fees, and other expenses) 0.27% 0.99%
-----------------------------------------------------------------------------------------------
PORTFOLIO FEES AND EXPENSES
(as a percentage of average daily net assets)
---------------------------------------------------------------------------------------------------
DISTRIBUTION
AND/OR ACQUIRED TOTAL CONTRACTUAL NET TOTAL
MANAGE- SERVICE FUND ANNUAL FEE WAIVER ANNUAL
MENT (12B-1) OTHER FEES AND OPERATING AND/OR EXPENSE OPERATING
FEE FEES EXPENSES EXPENSES EXPENSES REIMBURSEMENT EXPENSES
---------------------------------------------------------------------------------------------------
AMERICAN FUNDS
INSURANCE SERIES(R)--
CLASS 2
---------------------------------------------------------------------------------------------------
American Funds Bond
Fund 0.36% 0.25% 0.02% -- 0.63% -- 0.63%
---------------------------------------------------------------------------------------------------
American Funds Global
Small Capitalization
Fund 0.70% 0.25% 0.04% -- 0.99% -- 0.99%
---------------------------------------------------------------------------------------------------
American Funds Growth
Fund 0.32% 0.25% 0.02% -- 0.59% -- 0.59%
---------------------------------------------------------------------------------------------------
American Funds
Growth-Income Fund 0.27% 0.25% 0.01% -- 0.53% -- 0.53%
---------------------------------------------------------------------------------------------------
MET INVESTORS SERIES
TRUST--CLASS A
---------------------------------------------------------------------------------------------------
BlackRock Large Cap
Core Portfolio 0.59% -- 0.05% -- 0.64% 0.01% 0.63%
---------------------------------------------------------------------------------------------------
Clarion Global Real
Estate Portfolio 0.61% -- 0.06% -- 0.67% -- 0.67%
---------------------------------------------------------------------------------------------------
Harris Oakmark
International Portfolio 0.77% -- 0.08% -- 0.85% 0.02% 0.83%
---------------------------------------------------------------------------------------------------
Invesco Small Cap
Growth Portfolio 0.85% -- 0.03% -- 0.88% 0.02% 0.86%
---------------------------------------------------------------------------------------------------
Janus Forty Portfolio 0.63% -- 0.03% -- 0.66% 0.01% 0.65%
---------------------------------------------------------------------------------------------------
Lazard Mid Cap
Portfolio 0.69% -- 0.06% -- 0.75% -- 0.75%
---------------------------------------------------------------------------------------------------
6
---------------------------------------------------------------------------------------------------
DISTRIBUTION
AND/OR ACQUIRED TOTAL CONTRACTUAL NET TOTAL
MANAGE- SERVICE FUND ANNUAL FEE WAIVER ANNUAL
MENT (12B-1) OTHER FEES AND OPERATING AND/OR EXPENSE OPERATING
FEE FEES EXPENSES EXPENSES EXPENSES REIMBURSEMENT EXPENSES
---------------------------------------------------------------------------------------------------
Legg Mason
ClearBridge
Aggressive Growth
Portfolio 0.62% -- 0.03% -- 0.65% -- 0.65%
---------------------------------------------------------------------------------------------------
Lord Abbett Bond
Debenture Portfolio 0.50% -- 0.04% -- 0.54% -- 0.54%
---------------------------------------------------------------------------------------------------
Lord Abbett Mid Cap
Value Portfolio 0.67% -- 0.06% -- 0.73% 0.02% 0.71%
---------------------------------------------------------------------------------------------------
MetLife Aggressive
Strategy Portfolio 0.09% -- 0.01% 0.75% 0.85% -- 0.85%
---------------------------------------------------------------------------------------------------
MFS(R) Research
International Portfolio 0.68% -- 0.09% -- 0.77% 0.06% 0.71%
---------------------------------------------------------------------------------------------------
Morgan Stanley Mid Cap
Growth Portfolio 0.65% -- 0.07% -- 0.72% 0.01% 0.71%
---------------------------------------------------------------------------------------------------
PIMCO Inflation
Protected Bond
Portfolio 0.47% -- 0.04% -- 0.51% -- 0.51%
---------------------------------------------------------------------------------------------------
PIMCO Total Return
Portfolio 0.48% -- 0.03% -- 0.51% -- 0.51%
---------------------------------------------------------------------------------------------------
RCM Technology
Portfolio 0.88% -- 0.07% -- 0.95% -- 0.95%
---------------------------------------------------------------------------------------------------
SSgA Growth and
Income ETF Portfolio 0.31% -- 0.01% 0.21% 0.53% -- 0.53%
---------------------------------------------------------------------------------------------------
SSgA Growth ETF
Portfolio 0.32% -- 0.03% 0.24% 0.59% -- 0.59%
---------------------------------------------------------------------------------------------------
T. Rowe Price Mid Cap
Growth Portfolio 0.75% -- 0.03% -- 0.78% -- 0.78%
---------------------------------------------------------------------------------------------------
METROPOLITAN SERIES
FUND--CLASS A
---------------------------------------------------------------------------------------------------
Baillie Gifford
International Stock
Portfolio 0.83% -- 0.12% -- 0.95% 0.10% 0.85%
---------------------------------------------------------------------------------------------------
Barclays Capital
Aggregate Bond
Index Portfolio 0.25% -- 0.03% -- 0.28% 0.01% 0.27%
---------------------------------------------------------------------------------------------------
BlackRock Aggressive
Growth Portfolio 0.73% -- 0.04% -- 0.77% -- 0.77%
---------------------------------------------------------------------------------------------------
BlackRock Bond Income
Portfolio 0.34% -- 0.03% -- 0.37% 0.01% 0.36%
---------------------------------------------------------------------------------------------------
BlackRock Diversified
Portfolio 0.46% -- 0.05% -- 0.51% -- 0.51%
---------------------------------------------------------------------------------------------------
BlackRock Large Cap
Value Portfolio 0.63% -- 0.03% -- 0.66% 0.03% 0.63%
---------------------------------------------------------------------------------------------------
BlackRock Legacy
Large Cap Growth
Portfolio 0.71% -- 0.02% -- 0.73% 0.01% 0.72%
---------------------------------------------------------------------------------------------------
BlackRock Money
Market Portfolio
(NOT AVAILABLE FOR
EQUITY ADVANTAGE
VUL POLICIES) 0.33% -- 0.02% -- 0.35% 0.01% 0.34%
---------------------------------------------------------------------------------------------------
Davis Venture Value
Portfolio 0.70% -- 0.03% -- 0.73% 0.05% 0.68%
---------------------------------------------------------------------------------------------------
FI Value Leaders
Portfolio 0.67% -- 0.07% -- 0.74% -- 0.74%
---------------------------------------------------------------------------------------------------
7
--------------------------------------------------------------------------------------------------
DISTRIBUTION
AND/OR ACQUIRED TOTAL CONTRACTUAL NET TOTAL
MANAGE- SERVICE FUND ANNUAL FEE WAIVER ANNUAL
MENT (12B-1) OTHER FEES AND OPERATING AND/OR EXPENSE OPERATING
FEE FEES EXPENSES EXPENSES EXPENSES REIMBURSEMENT EXPENSES
--------------------------------------------------------------------------------------------------
Jennison Growth
Portfolio 0.62% -- 0.02% -- 0.64% 0.07% 0.57%
--------------------------------------------------------------------------------------------------
Loomis Sayles Small Cap
Core Portfolio 0.90% -- 0.06% -- 0.96% 0.08% 0.88%
--------------------------------------------------------------------------------------------------
Loomis Sayles Small Cap
Growth Portfolio 0.90% -- 0.06% -- 0.96% 0.08% 0.88%
--------------------------------------------------------------------------------------------------
Met/Artisan Mid Cap
Value Portfolio 0.81% -- 0.03% -- 0.84% -- 0.84%
--------------------------------------------------------------------------------------------------
MetLife Conservative
Allocation Portfolio 0.09% -- 0.02% 0.53% 0.64% 0.01% 0.63%
--------------------------------------------------------------------------------------------------
MetLife Conservative to
Moderate Allocation
Portfolio 0.07% -- 0.01% 0.58% 0.66% -- 0.66%
--------------------------------------------------------------------------------------------------
MetLife Mid Cap Stock
Index Portfolio 0.25% -- 0.05% 0.01% 0.31% -- 0.31%
--------------------------------------------------------------------------------------------------
MetLife Moderate
Allocation Portfolio 0.06% -- -- 0.64% 0.70% -- 0.70%
--------------------------------------------------------------------------------------------------
MetLife Moderate to
Aggressive Allocation
Portfolio 0.06% -- 0.01% 0.69% 0.76% -- 0.76%
--------------------------------------------------------------------------------------------------
MetLife Stock Index
Portfolio 0.25% -- 0.02% -- 0.27% 0.01% 0.26%
--------------------------------------------------------------------------------------------------
MFS(R) Total Return
Portfolio 0.54% -- 0.05% -- 0.59% -- 0.59%
--------------------------------------------------------------------------------------------------
MFS(R) Value Portfolio 0.70% -- 0.03% -- 0.73% 0.13% 0.60%
--------------------------------------------------------------------------------------------------
MSCI EAFE(R) Index
Portfolio 0.30% -- 0.11% 0.01% 0.42% -- 0.42%
--------------------------------------------------------------------------------------------------
Neuberger Berman
Genesis Portfolio 0.82% -- 0.04% -- 0.86% 0.01% 0.85%
--------------------------------------------------------------------------------------------------
Oppenheimer Global
Equity Portfolio 0.52% -- 0.10% -- 0.62% -- 0.62%
--------------------------------------------------------------------------------------------------
Russell 2000(R) Index
Portfolio 0.25% -- 0.06% 0.01% 0.32% -- 0.32%
--------------------------------------------------------------------------------------------------
T. Rowe Price Large
Cap Growth Portfolio 0.60% -- 0.04% -- 0.64% 0.01% 0.63%
--------------------------------------------------------------------------------------------------
T. Rowe Price Small Cap
Growth Portfolio 0.49% -- 0.06% -- 0.55% -- 0.55%
--------------------------------------------------------------------------------------------------
Western Asset
Management Strategic
Bond Opportunities
Portfolio 0.61% -- 0.06% -- 0.67% 0.04% 0.63%
--------------------------------------------------------------------------------------------------
Western Asset
Management U.S.
Government Portfolio 0.47% -- 0.02% -- 0.49% 0.01% 0.48%
--------------------------------------------------------------------------------------------------
The Net Total Annual Operating Expenses shown in the table reflect contractual
arrangements currently in effect under which the investment advisers of certain
Portfolios have agreed to waive fees and/or pay expenses of the Portfolios
until at least April 30, 2013. In the table, "0.00%" in the Contractual Fee
Waiver and/or Expense Reimbursement column indicates that there is a
contractual arrangement in effect for that Portfolio, but the expenses of the
Portfolio are below the level that would trigger the waiver or reimbursement.
The Net Total Annual Operating Expenses shown do not reflect voluntary waiver
or expense reimbursement arrangements or arrangements that terminate prior to
April 30, 2013. The Portfolios provided the information on their expenses, and
we have not independently verified the information.
8
Certain Portfolios that have "Acquired Fund Fees and Expenses" are "fund of
funds." Each "fund of funds" invests substantially all of its assets in other
portfolios. Because the Portfolio invests in other underlying portfolios, the
Portfolio will bear its pro rata portion of the operating expenses of the
underlying portfolios in which it invests, including the management fee. See
the underlying fund prospectus for more information.
THE FEE AND EXPENSE INFORMATION REGARDING THE PORTFOLIOS WAS PROVIDED BY THOSE
PORTFOLIOS. THE AMERICAN FUNDS INSURANCE SERIES IS NOT AFFILIATED WITH METLIFE.
TRANSFERRING CASH VALUE AMONG YOUR POLICY'S INVESTMENT OPTIONS
The following replaces the corresponding paragraphs in this section:
The Portfolios may have adopted their own policies and procedures with respect
to market timing transactions in their respective shares, and we reserve the
right to enforce these policies and procedures. For example, the Portfolios may
assess a redemption fee (which we reserve the right to collect) on shares held
for a relatively short period. The prospectuses for the Portfolios describe any
such policies and procedures, which may be more or less restrictive than the
policies and procedures we have adopted. Although we may not have the
contractual authority or the operational capacity to apply the market timing
policies and procedures of the Portfolios, we have entered into a written
agreement, as required by SEC regulation, with each Portfolio or its principal
underwriter that obligates us to provide to the Portfolio promptly upon request
certain information about the trading activity of individual Owners, and to
execute instructions from the Portfolio to restrict or prohibit further
purchases or transfers by specific Owners who violate the frequent trading
policies established by the Portfolio.
In addition, Owners and other persons with interests in the Policies should be
aware that the purchase and redemption orders received by the Portfolio
generally are "omnibus" orders from intermediaries such as retirement plans or
separate accounts funding variable insurance contracts. The omnibus orders
reflect the aggregation and netting of multiple orders from individual owners
of variable insurance contracts and/or individual retirement plan participants.
The omnibus nature of these orders may limit the Portfolios in their ability to
apply their market timing policies and procedures. In addition, the other
insurance companies and/or retirement plans may have different policies and
procedures or may not have any such policies and procedures because of
contractual limitations. For these reasons, we cannot guarantee that the
Portfolios (and thus Owners) will not be harmed by transfer activity relating
to other insurance companies and/or retirement plans that may invest in the
Portfolios. If a Portfolio believes that an omnibus order reflects one or more
transfer requests from Owners engaged in disruptive trading activity, the
Portfolio may reject the entire omnibus order.
In accordance with applicable law, we reserve the right to modify or terminate
the transfer privilege at any time. We also reserve the right to defer or
restrict the transfer privilege at any time that we are unable to purchase or
redeem shares of any of the Portfolios, including any refusal or restriction on
purchases or redemptions of their shares as a result of their own policies and
procedures on market timing and disruptive trading activities (even if an
entire omnibus order is rejected due to the market timing or disruptive trading
activity of a single Owner). You should read the Portfolio prospectuses for
more details.
OTHER INFORMATION
The Financial Industry Regulatory Authority (FINRA) provides background
information about broker-dealers and their registered representatives through
FINRA BrokerCheck. You may contact the FINRA BrokerCheck Hotline at
1-800-289-9999, or log on to www.finra.org. An investor brochure that includes
information describing FINRA BrokerCheck is available through the Hotline or
on-line.
9
FEDERAL TAX MATTERS
The following is a brief summary of some tax rules that may apply to your
Policy. It does not purport to be complete or cover every situation. The
summary does not address state, local or foreign tax issues related to your
Policy. Because individual circumstances vary, you should consult with your own
tax advisor to find out how taxes can affect your benefits and rights under
your Policy, especially before you make unscheduled premium payments, change
your specified face amount, change your death benefit option, change coverage
provided by riders, take a loan or withdrawal, or assign or surrender the
Policy. Under current federal income tax law, the taxable portion of
distributions from variable life contracts is taxed at ordinary income tax
rates and does not qualify for the reduced tax rate applicable to long-term
capital gains and dividends.
IRS CIRCULAR 230 NOTICE: The tax information contained in this Prospectus is
not intended to (and cannot) be used by anyone to avoid IRS penalties. It is
intended to support the sale of the Policy. The Policyholder should seek tax
advice based on its particular circumstances from an independent tax advisor.
INSURANCE PROCEEDS
.. Generally excludable from your beneficiary's gross income to the extent
provided in Section 101 of the Internal Revenue Code ("Code").
In the case of employer-owned life insurance as defined in Section 101(j) of
the Code, the amount excludable from gross income is limited to premiums paid
unless the policy falls within certain specified exceptions and a notice and
consent requirement is satisfied before the policy is issued. Certain
specified exceptions are based on the status of an employee as highly
compensated or recently employed. There are also exceptions for policy
proceeds paid to an employee's heirs. These exceptions only apply if proper
notice is given to the insured employee and consent is received from the
insured employee before the issuance of the policy. These rules apply to
policies issued August 18, 2006 and later and also apply to policies issued
before August 18, 2006 after a material increase in the death benefit or
other material change. An IRS reporting requirement applies to employer-owned
life insurance subject to these rules. Because these rules are complex and
will affect the tax treatment of Death Benefits, it is advisable to consult
tax counsel.
Insurance death proceeds will also be taxable in the case of a
transfer-for-value unless certain exceptions apply.
.. The proceeds may be subject to federal estate tax: (i) if paid to the
insured's estate; or (ii) if paid to a different beneficiary if the insured
possessed incidents of ownership at or within three years before death.
.. If you die before the insured, the value of your Policy (determined under IRS
rules) is included in your estate and may be subject to federal estate tax.
.. Whether or not any federal estate tax is due is based on a number of factors,
including the estate size.
.. The insurance proceeds payable upon death of the insured will never be less
than the minimum amount required for the Policy to be treated as life
insurance under section 7702 of the Internal Revenue Code, as in effect on
the date the Policy was issued. The rules under section 7702 of the Internal
Revenue Code with respect to Policies issued on a substandard risk basis are
not entirely clear.
CASH VALUE (IF YOUR POLICY IS NOT A MODIFIED ENDOWMENT CONTRACT)
You are generally not taxed on your cash value until you withdraw it, surrender
your Policy or receive a distribution such as on the Final Date. In these
cases, you are generally permitted to take withdrawals and receive other
distributions up to the amount of premiums paid without any tax consequences.
However, withdrawals and other distributions will be subject to income tax
after you have received amounts equal to the total premiums you paid. Somewhat
different rules apply in the
10
first 15 Policy years, when a distribution may be subject to tax if there is a
gain in your Policy (which is generally when your cash value exceeds the
cumulative premiums you paid).
There may be an indirect tax upon the income in the Policy or the proceeds of a
Policy under the Federal corporate alternative minimum tax, if you are subject
to that tax.
SPLIT-DOLLAR INSURANCE PLANS
The IRS has issued guidance on split dollar insurance plans. A tax advisor
should be consulted with respect to this guidance if you have purchased or are
considering the purchase of a Policy for a split dollar insurance plan. If your
split dollar plan provides deferred compensation, recently enacted rules
governing deferred compensation arrangement may apply. Failure to adhere to
these rules will result in adverse tax consequences. Consult a tax adviser.
The Sarbanes-Oxley Act of 2002 (the "Act"), which was signed into law on July
30, 2002, prohibits, with limited exceptions, publicly-traded companies,
including non-U.S. companies that have securities listed on U.S. exchanges,
from extending, directly or indirectly or through a subsidiary, many types of
personal loans to their directors or executive officers. It is possible that
this prohibition may be interpreted to apply to certain split-dollar life
insurance arrangements for directors and executive officers of such companies,
since at least some such arrangements can arguably be viewed as involving a
loan from the employer for at least some purposes.
Any affected business contemplating the payment of a premium on an existing
Policy or the purchase of a new Policy in connection with a split-dollar life
insurance arrangement should consult legal counsel.
LOANS
.. Loan amounts you receive will generally not be subject to income tax, unless
your Policy is or becomes a modified endowment contract, is exchanged or
terminates.
.. Interest on loans is generally not deductible. For businesses that own a
Policy, at least part of the interest deduction unrelated to the Policy may
be disallowed unless the insured is a 20% owner, officer, director or
employee of the business.
.. If your Policy terminates (upon surrender, cancellation lapse, the Final Date
or, in most cases, exchange) while any Policy loan is outstanding, the amount
of the loan plus accrued interest thereon will be deemed to be a
"distribution" to you. Any such distribution will have the same tax
consequences as any other Policy distribution. In the case of an outstanding
loan at the time of an exchange, the cancelled loan will generally be taxed
to the extent of any policy gain. Since amounts borrowed reduce the cash
value that will be distributed to you if the Policy is surrendered, cancelled
or lapses, any cash value distributed to you in these circumstances may be
insufficient to pay the income tax on any gain.
.. The tax consequences of loans outstanding after the 15th Policy year are
uncertain.
MODIFIED ENDOWMENT CONTRACTS
These contracts are life insurance policies where the premiums paid during the
first 7 years after the Policy is issued, or after a material change in the
Policy exceeds tax law limits referred to as the "7-pay test." Material changes
in the Policy, include changes in the level of benefits and certain other
changes to your Policy after the issue date. Reductions in benefits during a
7-pay period may cause your Policy to become a modified endowment contract.
Generally, a life insurance policy that is received in exchange for a modified
endowment contract will also be considered a modified endowment contract. The
IRS has promulgated a procedure for the correction of inadvertent modified
endowment contracts.
Due to the flexibility of the Policies as to premiums and benefits, the
individual circumstances of each Policy will determine whether it is classified
as a MEC.
11
If your Policy is considered a modified endowment contract:
.. The death benefit will still generally be income tax free to your
beneficiary, as discussed above.
.. Amounts withdrawn or distributed before the insured's death, including
(without limitation) loans, assignments and pledges, are (to the extent of
any gains on your policy) treated as income first and subject to income tax.
All modified endowment contracts you purchase from us and our affiliates
during the same calendar year are treated as a single contract for purposes
of determining the amount of any such income.
.. You will generally owe an additional 10% tax penalty on the taxable portion
of the amounts you received before age 59 1/2, except generally if you are
disabled or the distribution is part of a series of substantially equal
periodic payments.
.. If a Policy becomes a modified endowment contract, distributions that occur
during the Policy year will be taxed as distributions from a modified
endowment contract. In addition, distributions from a Policy within two years
before it becomes a modified endowment contract will be taxed in this manner.
This means that a distribution made from a Policy that is not a modified
endowment contract could later become taxable as a distribution from a
modified endowment contract.
DIVERSIFICATION
In order for your Policy to qualify as life insurance, we must comply with
certain diversification standards with respect to the investments underlying
the Policy. We believe that we satisfy and will continue to satisfy these
diversification standards. Inadvertent failure to meet these standards may be
able to be corrected. Failure to meet these standards would result in immediate
taxation to Policy owners of gains under their Policies. In addition, if
Portfolio shares are sold directly to tax-qualified retirement plans that later
lose their tax-qualified status or to non-qualified plans, there could be
adverse consequences under the diversification rules.
INVESTOR CONTROL
In some circumstances, owners of variable contracts who retain excessive
control over the investment of the underlying Separate Account assets may be
treated as the owners of those assets and may be subject to tax on income
produced by those assets. Although published guidance in this area does not
address certain aspects of the Policies, we believe that the owner of a Policy
should not be treated as an owner of the assets in our Separate Account. We
reserve the right to modify the policies to bring them into conformity with
applicable standards should such modification be necessary to prevent owners of
the policies from being treated as the owners of the underlying Separate
Account assets.
ESTATE, GIFT AND GENERATION-SKIPPING TRANSFER TAXES
The transfer of the Policy or the designation of a beneficiary may have
Federal, state, and/or local transfer and inheritance tax consequences,
including the imposition of gift, estate, and generation-skipping transfer
taxes. When the insured dies, the death proceeds will generally be includable
in the Policy Owner's estate for purposes of the Federal estate tax if the
Policy Owner was the insured, if the insured possessed incidents of ownership
in the Policy at the time of death, or the insured made a gift transfer of the
Policy within three years of death. If the Policy Owner was not the insured,
the fair market value of the Policy would be included in the Policy Owner's
estate upon the Policy Owner's death. Moreover, under certain circumstances,
the Internal Revenue Code may impose a "generation-skipping transfer tax" when
all or part of a life insurance policy is transferred to, or a death benefit is
paid to, an individual two or more generations younger than the Policy Owner.
Regulations issued under the Internal Revenue Code may require us to deduct the
tax from your Policy, or from any applicable payment, and pay it directly to
the IRS.
Qualified tax advisers should be consulted concerning the estate and gift tax
consequences of Policy ownership and distributions under Federal, state and
local law. The individual situation of each Policy Owner or beneficiary will
determine the extent, if any, to which Federal, state, and local transfer and
inheritance taxes may be imposed and how ownership or receipt of Policy
proceeds will be treated for purposes of Federal, state and local estate,
inheritance, generation-skipping and other taxes.
12
Under previous law, the estate tax applicable exclusion gradually rose to $3.5
million per person in 2009 and was repealed in 2010 with a modified carryover
basis for heirs.
The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of
2010 (the 2010 Act) has reinstated the estate and generation-skipping taxes
through the end of 2012 with lower top rates and larger exemptions.
The 2010 Act raises the applicable exclusion amount to $5,000,000. The top tax
rate is set at 35%. A special irrevocable election was provided for estates of
decedents who died in 2010. These estates may generally choose between the
reinstated estate tax and the carryover basis rules which were in effect in
2010.
It is not known if Congress will make the temporary changes of the 2010 Act
permanent, enact permanent repeal of the estate and GST tax or otherwise modify
the estate tax or GST tax rules for years after 2012. Absent Congressional
action, the law governing the estate, gift and generation-skipping transfer
taxes will revert on January 1, 2013 to the law that was in place on June 7,
2001.
The complexity of the tax law, along with uncertainty as to how it might be
modified in coming years, underscores the importance of seeking guidance from a
qualified adviser to help ensure that your estate plan adequately addresses
your needs and those of your beneficiaries under all possible scenarios
WITHHOLDING
To the extent that Policy distributions are taxable, they are generally subject
to withholding for the recipient's federal income tax liability. Recipients can
generally elect however, not to have tax withheld from distributions.
LIFE INSURANCE PURCHASES BY RESIDENTS OF PUERTO RICO
In Rev. Rul. 2004-75, 2004-31 I.R.B. 109, the Internal Revenue Service
announced that income received by residents of Puerto Rico under life insurance
contracts issued by a Puerto Rico branch of a United States life insurance
company is U.S.-source income that is generally subject to United States
Federal income tax.
LIFE INSURANCE PURCHASES BY NONRESIDENT ALIENS AND FOREIGN CORPORATIONS
Purchasers that are not U.S. citizens or residents will generally be subject to
U.S. federal withholding tax on taxable distributions from life insurance
policies at a 30% rate, unless a lower treaty rate applies. In addition,
purchasers may be subject to state and/or municipal taxes and taxes that may be
imposed by the purchaser's country of citizenship or residence. Prospective
purchasers are advised to consult with a qualified tax adviser regarding
taxation with respect to a life insurance Policy purchase.
BUSINESS USES OF POLICY
Businesses can use the policies in various arrangements, including nonqualified
deferred compensation or salary continuance plans, split dollar insurance
plans, executive bonus plans, tax exempt and nonexempt welfare benefit plans,
retiree medical benefit plans and others. The tax consequences of such plans
may vary depending on the particular facts and circumstances. As noted, in the
case of a business owned Policy, the provisions of Section 101(j) of the Code
may limit the amount of the Death Benefit excludable from gross income unless a
specified exception applies and a notice and consent requirement is satisfied,
as discussed above. If you are purchasing the Policy for any arrangement the
value of which depends in part on its tax consequences, you should consult a
qualified tax adviser.
13
CHANGES TO TAX RULES AND INTERPRETATIONS
Changes in applicable tax laws, rules and interpretations can adversely affect
the tax treatment of your Policy. These changes may take effect retroactively.
We reserve the right to amend the Policy in any way necessary to avoid any
adverse tax treatment. Examples of changes that could create adverse tax
consequences include:
. Possible taxation of cash value transfers.
. Possible taxation as if you were the owner of your allocable portion of
the Separate Account's assets.
. Possible limits on the number of investment funds available or the
frequency of transfers among them.
. Possible changes in the tax treatment of Policy benefits and rights.
TAX CREDITS AND DEDUCTIONS
The Company may be entitled to certain tax benefits related to the assets of
the Separate Account. These tax benefits, which may include foreign tax credits
and corporate dividend received deductions, are not passed back to the Separate
Account or to Policy owners since the Company is the owner of the assets from
which the tax benefits are derived.
THE COMPANY'S INCOME TAXES
Under current Federal income tax law we are not taxed on the Separate Account's
operations. Thus, currently we do not deduct a charge from the Separate Account
for company Federal income taxes. (We do deduct a charge for Federal taxes from
premiums.) We reserve the right to charge the Separate Account for any future
Federal income taxes we may incur. Under current laws we may incur state and
local taxes (in addition to premium taxes). These taxes are not now significant
and we are not currently charging for them. If they increase, we may deduct
charges for such taxes.
INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
The financial statements and financial highlights comprising each of the
Investment Divisions of Metropolitan Life Separate Account UL included in this
Prospectus Supplement, have been audited by Deloitte & Touche LLP, an
independent registered public accounting firm, as stated in their report
appearing herein. Such financial statements and financial highlights have been
so included in reliance upon the report of such firm given upon their authority
as experts in accounting and auditing.
The principal business address of Deloitte & Touche LLP is Two World Financial
Center, New York, New York 10281-1414.
FINANCIAL STATEMENTS
The financial statements comprising each of the Investment Divisions of the
Separate Account are attached to this Supplement. You can find the financial
statements of MetLife in the Statement of Additional Information. You may view
the Statement of Additional Information by logging on to our website at
www.metlife.com or you may obtain a copy of the Statement of Additional
Information, without charge, by calling 800-MET-5000. Our financial statements
should be considered only as bearing upon our ability to meet our obligations
under the Policy.
14
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
To the Policy Owners of
Metropolitan Life Separate Account UL
and Board of Directors of
Metropolitan Life Insurance Company
We have audited the accompanying statements of assets and liabilities of
Metropolitan Life Separate Account UL (the "Separate Account") of Metropolitan
Life Insurance Company (the "Company") comprising each of the individual
Investment Divisions listed in Note 2.A. as of December 31, 2011, the related
statements of operations and changes in net assets for the respective stated
periods in the three years then ended, and the financial highlights in Note 8
for the respective stated periods in the five years then ended. These financial
statements and financial highlights are the responsibility of the Separate
Account's management. Our responsibility is to express an opinion on these
financial statements and financial highlights based on our audits.
We conducted our audits in accordance with the standards of the Public Company
Accounting Oversight Board (United States). Those standards require that we
plan and perform the audit to obtain reasonable assurance about whether the
financial statements and financial highlights are free of material
misstatement. The Separate Account is not required to have, nor were we engaged
to perform, an audit of its internal control over financial reporting. Our
audits included consideration of internal control over financial reporting as a
basis for designing audit procedures that are appropriate in the circumstances,
but not for the purpose of expressing an opinion on the effectiveness of the
Separate Account's internal control over financial reporting. Accordingly, we
express no such opinion. An audit also includes examining, on a test basis,
evidence supporting the amounts and disclosures in the financial statements,
assessing the accounting principles used and significant estimates made by
management, as well as evaluating the overall financial statement presentation.
Our procedures included confirmation of investments owned as of December 31,
2011, by correspondence with the custodian or mutual fund companies. We believe
that our audits provide a reasonable basis for our opinion.
In our opinion, the financial statements and financial highlights referred to
above present fairly, in all material respects, the financial position of each
of the Investment Divisions constituting the Separate Account of the Company as
of December 31, 2011, the results of their operations and changes in their net
assets for the respective stated periods in the three years then ended, and the
financial highlights for the respective stated periods in the five years then
ended, in conformity with accounting principles generally accepted in the
United States of America.
/s/ DELOITTE & TOUCHE LLP
Certified Public Accountants
Tampa, Florida
March 29, 2012
This page is intentionally left blank.
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES
DECEMBER 31, 2011
ALLIANCEBERNSTEIN
GLOBAL ALLIANCEBERNSTEIN ALLIANCEBERNSTEIN AMERICAN
THEMATIC GROWTH INTERMEDIATE BOND INTERNATIONAL VALUE CENTURY VP VISTA
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
ASSETS:
Investments at fair value $ 4,293,725 $ 47,397 $ 143 $ 8,658
Due from Metropolitan Life
Insurance Company -- -- -- --
------------------- ------------------- ------------------- -------------------
Total Assets 4,293,725 47,397 143 8,658
------------------- ------------------- ------------------- -------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company 30 111 2 4
------------------- ------------------- ------------------- -------------------
Total Liabilities 30 111 2 4
------------------- ------------------- ------------------- -------------------
NET ASSETS $ 4,293,695 $ 47,286 $ 141 $ 8,654
=================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
1
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)
DECEMBER 31, 2011
AMERICAN FUNDS
AMERICAN FUNDS GLOBAL SMALL AMERICAN FUNDS AMERICAN FUNDS
BOND CAPITALIZATION GROWTH GROWTH-INCOME
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
ASSETS:
Investments at fair value $ 4,735,498 $ 52,474,884 $ 118,199,497 $ 71,255,359
Due from Metropolitan Life
Insurance Company -- 105 13 1,458
------------------- ------------------- ------------------- -------------------
Total Assets 4,735,498 52,474,989 118,199,510 71,256,817
------------------- ------------------- ------------------- -------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company 39 -- -- --
------------------- ------------------- ------------------- -------------------
Total Liabilities 39 -- -- --
------------------- ------------------- ------------------- -------------------
NET ASSETS $ 4,735,459 $ 52,474,989 $ 118,199,510 $ 71,256,817
=================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
2
AMERICAN FUNDS U.S.
AMERICAN FUNDS GOVERNMENT/AAA- DREYFUS VIF FIDELITY VIP ASSET FIDELITY VIP FIDELITY VIP
INTERNATIONAL RATED SECURITIES INTERNATIONAL VALUE MANAGER: GROWTH CONTRAFUND EQUITY-INCOME
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 524,711 $ 45,545 $ 184,091 $ 1,430,520 $ 2,151,831 $ 18,605
-- -- -- -- -- --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
524,711 45,545 184,091 1,430,520 2,151,831 18,605
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
-- 6 30 4 182 16
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
-- 6 30 4 182 16
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 524,711 $ 45,539 $ 184,061 $ 1,430,516 $ 2,151,649 $ 18,589
=================== =================== =================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
3
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)
DECEMBER 31, 2011
FIDELITY VIP FIDELITY VIP FIDELITY VIP FIDELITY VIP
FREEDOM 2010 FREEDOM 2020 FREEDOM 2030 FREEDOM 2050
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
ASSETS:
Investments at fair value $ 34,148 $ 699,723 $ 56,980 $ 15,438
Due from Metropolitan Life
Insurance Company -- -- -- --
------------------- ------------------- ------------------- -------------------
Total Assets 34,148 699,723 56,980 15,438
------------------- ------------------- ------------------- -------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company 4 9 10 --
------------------- ------------------- ------------------- -------------------
Total Liabilities 4 9 10 --
------------------- ------------------- ------------------- -------------------
NET ASSETS $ 34,144 $ 699,714 $ 56,970 $ 15,438
=================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
4
FIDELITY VIP FTVIPT FTVIPT
FIDELITY VIP INVESTMENT MUTUAL GLOBAL FTVIPT TEMPLETON TEMPLETON GLOBAL
HIGH INCOME GRADE BOND FIDELITY VIP MID CAP DISCOVERY SECURITIES FOREIGN SECURITIES BOND SECURITIES
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- -------------------- -------------------- ------------------- -------------------
$ 43,227 $ 1,747,859 $ 613,963 $ 783,963 $ 3,022,199 $ 289,348
-- -- -- -- -- --
------------------- ------------------- -------------------- -------------------- ------------------- -------------------
43,227 1,747,859 613,963 783,963 3,022,199 289,348
------------------- ------------------- -------------------- -------------------- ------------------- -------------------
4 7 5 128 414 3
------------------- ------------------- -------------------- -------------------- ------------------- -------------------
4 7 5 128 414 3
------------------- ------------------- -------------------- -------------------- ------------------- -------------------
$ 43,223 $ 1,747,852 $ 613,958 $ 783,835 $ 3,021,785 $ 289,345
=================== =================== ==================== ==================== =================== ===================
The accompanying notes are an integral part of these financial statements.
5
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)
DECEMBER 31, 2011
GOLDMAN SACHS INVESCO V.I.
GOLDMAN SACHS STRUCTURED INVESCO V.I. GOVERNMENT
MID-CAP VALUE SMALL CAP EQUITY GLOBAL REAL ESTATE SECURITIES
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
ASSETS:
Investments at fair value $ 268,281 $ 50,289 $ 1,491,271 $ 21,492
Due from Metropolitan Life
Insurance Company -- -- -- --
------------------- ------------------- ------------------- -------------------
Total Assets 268,281 50,289 1,491,271 21,492
------------------- ------------------- ------------------- -------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company 33 30 627 1
------------------- ------------------- ------------------- -------------------
Total Liabilities 33 30 627 1
------------------- ------------------- ------------------- -------------------
NET ASSETS $ 268,248 $ 50,259 $ 1,490,644 $ 21,491
=================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
6
INVESCO V.I.
INVESCO V.I. VAN KAMPEN JANUS ASPEN
INTERNATIONAL GROWTH COMSTOCK BALANCED JANUS ASPEN FORTY JANUS ASPEN JANUS JANUS ASPEN OVERSEAS
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
-------------------- ------------------- ------------------- ------------------- ------------------- --------------------
$ 23,414 $ 190,057 $ 1,339,815 $ 702,889 $ 858,101 $ 344,177
-- 5 -- 247 -- --
-------------------- ------------------- ------------------- ------------------- ------------------- --------------------
23,414 190,062 1,339,815 703,136 858,101 344,177
-------------------- ------------------- ------------------- ------------------- ------------------- --------------------
7 -- 27 -- 7 42
-------------------- ------------------- ------------------- ------------------- ------------------- --------------------
7 -- 27 -- 7 42
-------------------- ------------------- ------------------- ------------------- ------------------- --------------------
$ 23,407 $ 190,062 $ 1,339,788 $ 703,136 $ 858,094 $ 344,135
==================== =================== =================== =================== =================== ====================
The accompanying notes are an integral part of these financial statements.
7
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)
DECEMBER 31, 2011
MFS VIT MFS VIT MFS VIT MFS VIT
GLOBAL EQUITY HIGH INCOME NEW DISCOVERY VALUE
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
ASSETS:
Investments at fair value $ 5,454 $ 135,792 $ 122,401 $ 44,305
Due from Metropolitan Life
Insurance Company -- -- -- --
------------------- ------------------- ------------------- -------------------
Total Assets 5,454 135,792 122,401 44,305
------------------- ------------------- ------------------- -------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company 40 481 6 6
------------------- ------------------- ------------------- -------------------
Total Liabilities 40 481 6 6
------------------- ------------------- ------------------- -------------------
NET ASSETS $ 5,414 $ 135,311 $ 122,395 $ 44,299
=================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
8
MIST MIST MIST
AMERICAN FUNDS AMERICAN FUNDS AMERICAN FUNDS MIST BLACKROCK MIST CLARION MIST DREMAN
BALANCED ALLOCATION GROWTH ALLOCATION MODERATE ALLOCATION LARGE CAP CORE GLOBAL REAL ESTATE SMALL CAP VALUE
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 515,999 $ 781,249 $ 401,609 $ 291,613,210 $ 19,560,392 $ 35,944
-- -- -- 2,529 -- --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
515,999 781,249 401,609 291,615,739 19,560,392 35,944
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
4 4 3 -- 5 6
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
4 4 3 -- 5 6
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 515,995 $ 781,245 $ 401,606 $ 291,615,739 $ 19,560,387 $ 35,938
=================== =================== =================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
9
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)
DECEMBER 31, 2011
MIST
HARRIS OAKMARK MIST INVESCO MIST LAZARD
INTERNATIONAL SMALL CAP GROWTH MIST JANUS FORTY MID CAP
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
ASSETS:
Investments at fair value $ 27,216,807 $ 4,412,943 $ 12,484,254 $ 5,277,741
Due from Metropolitan Life
Insurance Company -- 24 23 --
------------------- ------------------- ------------------- -------------------
Total Assets 27,216,807 4,412,967 12,484,277 5,277,741
------------------- ------------------- ------------------- -------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company 65 -- -- 63
------------------- ------------------- ------------------- -------------------
Total Liabilities 65 -- -- 63
------------------- ------------------- ------------------- -------------------
NET ASSETS $ 27,216,742 $ 4,412,967 $ 12,484,277 $ 5,277,678
=================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
10
MIST LEGG MIST MET/FRANKLIN
MASON CLEARBRIDGE MIST LORD ABBETT MIST LORD ABBETT MIST MET/FRANKLIN MIST MET/FRANKLIN TEMPLETON FOUNDING
AGGRESSIVE GROWTH BOND DEBENTURE MID CAP VALUE INCOME MUTUAL SHARES STRATEGY
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 12,365,968 $ 25,730,610 $ 120,865 $ 237,486 $ 79,916 $ 275,815
-- 383 -- -- -- --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
12,365,968 25,730,993 120,865 237,486 79,916 275,815
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
174 -- 7 3 3 3
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
174 -- 7 3 3 3
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 12,365,794 $ 25,730,993 $ 120,858 $ 237,483 $ 79,913 $ 275,812
=================== =================== =================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
11
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)
DECEMBER 31, 2011
MIST MET/TEMPLETON MIST METLIFE MIST MFS EMERGING MIST MFS RESEARCH
GROWTH AGGRESSIVE STRATEGY MARKETS EQUITY INTERNATIONAL
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
ASSETS:
Investments at fair value $ 53,529 $ 12,471,146 $ 22,950 $ 12,176,273
Due from Metropolitan Life
Insurance Company -- 1,515 -- 626
------------------- ------------------- ------------------- -------------------
Total Assets 53,529 12,472,661 22,950 12,176,899
------------------- ------------------- ------------------- -------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company 3 -- -- --
------------------- ------------------- ------------------- -------------------
Total Liabilities 3 -- -- --
------------------- ------------------- ------------------- -------------------
NET ASSETS $ 53,526 $ 12,472,661 $ 22,950 $ 12,176,899
=================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
12
MIST MIST
MORGAN STANLEY MIST OPPENHEIMER PIMCO INFLATION MIST PIMCO MIST RCM
MID CAP GROWTH CAPITAL APPRECIATION PROTECTED BOND TOTAL RETURN MIST PIONEER FUND TECHNOLOGY
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- -------------------- ------------------- ------------------- ------------------- -------------------
$ 178,347,753 $ 1,734,844 $ 10,519,522 $ 47,130,249 $ 175,808 $ 13,216,492
2,664 -- -- 1,630 546 43
------------------- -------------------- ------------------- ------------------- ------------------- -------------------
178,350,417 1,734,844 10,519,522 47,131,879 176,354 13,216,535
------------------- -------------------- ------------------- ------------------- ------------------- -------------------
-- 9 21 -- -- --
------------------- -------------------- ------------------- ------------------- ------------------- -------------------
-- 9 21 -- -- --
------------------- -------------------- ------------------- ------------------- ------------------- -------------------
$ 178,350,417 $ 1,734,835 $ 10,519,501 $ 47,131,879 $ 176,354 $ 13,216,535
=================== ==================== =================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
13
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)
DECEMBER 31, 2011
MIST SSGA GROWTH MIST SSGA MIST T. ROWE PRICE MIST T. ROWE PRICE
AND INCOME ETF GROWTH ETF LARGE CAP VALUE MID CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
ASSETS:
Investments at fair value $ 4,611,150 $ 3,309,512 $ 1,081,559 $ 25,204,642
Due from Metropolitan Life
Insurance Company -- 6 -- --
------------------- ------------------- ------------------- -------------------
Total Assets 4,611,150 3,309,518 1,081,559 25,204,642
------------------- ------------------- ------------------- -------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company 23 -- 5 15
------------------- ------------------- ------------------- -------------------
Total Liabilities 23 -- 5 15
------------------- ------------------- ------------------- -------------------
NET ASSETS $ 4,611,127 $ 3,309,518 $ 1,081,554 $ 25,204,627
=================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
14
MIST THIRD AVENUE MSF ARTIO MSF BARCLAYS CAPITAL MSF BLACKROCK MSF BLACKROCK MSF BLACKROCK
SMALL CAP VALUE INTERNATIONAL STOCK AGGREGATE BOND INDEX AGGRESSIVE GROWTH BOND INCOME DIVERSIFIED
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- -------------------- ------------------- ------------------- -------------------
$ 806,062 $ 35,919,208 $ 108,763,369 $ 184,990,648 $ 84,064,739 $ 255,554,738
-- 353 218 147 466 --
------------------- ------------------- -------------------- ------------------- ------------------- -------------------
806,062 35,919,561 108,763,587 184,990,795 84,065,205 255,554,738
------------------- ------------------- -------------------- ------------------- ------------------- -------------------
11 -- -- -- -- 546
------------------- ------------------- -------------------- ------------------- ------------------- -------------------
11 -- -- -- -- 546
------------------- ------------------- -------------------- ------------------- ------------------- -------------------
$ 806,051 $ 35,919,561 $ 108,763,587 $ 184,990,795 $ 84,065,205 $ 255,554,192
=================== =================== ==================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
15
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)
DECEMBER 31, 2011
MSF BLACKROCK
MSF BLACKROCK LEGACY LARGE CAP MSF BLACKROCK MSF DAVIS
LARGE CAP VALUE GROWTH MONEY MARKET VENTURE VALUE
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
ASSETS:
Investments at fair value $ 13,313,106 $ 7,367,845 $ 20,793,802 $ 53,650,820
Due from Metropolitan Life
Insurance Company -- -- -- --
------------------- ------------------- ------------------- -------------------
Total Assets 13,313,106 7,367,845 20,793,802 53,650,820
------------------- ------------------- ------------------- -------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company 54 35 10,594 28
------------------- ------------------- ------------------- -------------------
Total Liabilities 54 35 10,594 28
------------------- ------------------- ------------------- -------------------
NET ASSETS $ 13,313,052 $ 7,367,810 $ 20,783,208 $ 53,650,792
=================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
16
MSF METLIFE
MSF FI MSF JENNISON MSF LOOMIS SAYLES MSF LOOMIS SAYLES MSF MET/ARTISAN CONSERVATIVE
VALUE LEADERS GROWTH SMALL CAP CORE SMALL CAP GROWTH MID CAP VALUE ALLOCATION
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 6,065,876 $ 14,166,471 $ 17,444,054 $ 8,179,811 $ 47,189,069 $ 4,371,282
-- 15 -- -- -- --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
6,065,876 14,166,486 17,444,054 8,179,811 47,189,069 4,371,282
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
47 -- 70 32 80 27
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
47 -- 70 32 80 27
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 6,065,829 $ 14,166,486 $ 17,443,984 $ 8,179,779 $ 47,188,989 $ 4,371,255
=================== =================== =================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
17
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)
DECEMBER 31, 2011
MSF METLIFE MSF METLIFE
CONSERVATIVE TO MSF METLIFE MSF METLIFE MODERATE TO
MODERATE ALLOCATION MID CAP STOCK INDEX MODERATE ALLOCATION AGGRESSIVE ALLOCATION
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ---------------------
ASSETS:
Investments at fair value $ 6,564,572 $ 62,847,551 $ 39,588,334 $ 66,170,231
Due from Metropolitan Life
Insurance Company -- 64 -- 16
------------------- ------------------- ------------------- ---------------------
Total Assets 6,564,572 62,847,615 39,588,334 66,170,247
------------------- ------------------- ------------------- ---------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company 10 -- 25 --
------------------- ------------------- ------------------- ---------------------
Total Liabilities 10 -- 25 --
------------------- ------------------- ------------------- ---------------------
NET ASSETS $ 6,564,562 $ 62,847,615 $ 39,588,309 $ 66,170,247
=================== =================== =================== =====================
The accompanying notes are an integral part of these financial statements.
18
MSF MSF
MSF METLIFE MSF MFS MSF MORGAN STANLEY NEUBERGER BERMAN NEUBERGER BERMAN
STOCK INDEX TOTAL RETURN MSF MFS VALUE EAFE INDEX GENESIS MID CAP VALUE
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 668,623,116 $ 7,362,347 $ 52,361,935 $ 59,759,357 $ 79,278,540 $ 69,819,693
3,051 -- 1,434 193 526 1
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
668,626,167 7,362,347 52,363,369 59,759,550 79,279,066 69,819,694
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
-- 9 -- -- -- --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
-- 9 -- -- -- --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 668,626,167 $ 7,362,338 $ 52,363,369 $ 59,759,550 $ 79,279,066 $ 69,819,694
=================== =================== =================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
19
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES -- (CONTINUED)
DECEMBER 31, 2011
MSF OPPENHEIMER MSF RUSSELL 2000 MSF T. ROWE PRICE MSF T. ROWE PRICE
GLOBAL EQUITY INDEX LARGE CAP GROWTH SMALL CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
ASSETS:
Investments at fair value $ 37,497,157 $ 51,171,752 $ 42,316,422 $ 86,825,938
Due from Metropolitan Life
Insurance Company 62 32 914 --
------------------- ------------------- ------------------- -------------------
Total Assets 37,497,219 51,171,784 42,317,336 86,825,938
------------------- ------------------- ------------------- -------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company -- -- -- 167
------------------- ------------------- ------------------- -------------------
Total Liabilities -- -- -- 167
------------------- ------------------- ------------------- -------------------
NET ASSETS $ 37,497,219 $ 51,171,784 $ 42,317,336 $ 86,825,771
=================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
20
MSF WESTERN
MSF VAN ECK ASSET MANAGEMENT MSF WESTERN
GLOBAL NATURAL STRATEGIC BOND ASSET MANAGEMENT PIMCO VIT PIMCO VIT PIONEER VCT
RESOURCES OPPORTUNITIES U.S. GOVERNMENT ALL ASSET LOW DURATION EMERGING MARKETS
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 13,179 $ 23,536,045 $ 16,435,856 $ 96,184 $ 945,780 $ 402,026
-- 843 -- -- 228 --
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
13,179 23,536,888 16,435,856 96,184 946,008 402,026
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
-- -- 58 46 -- 728
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
-- -- 58 46 -- 728
------------------- ------------------- ------------------- ------------------- ------------------- -------------------
$ 13,179 $ 23,536,888 $ 16,435,798 $ 96,138 $ 946,008 $ 401,298
=================== =================== =================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
21
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF ASSETS AND LIABILITIES -- (CONCLUDED)
DECEMBER 31, 2011
PIONEER VCT UIF EMERGING
MID CAP VALUE ROYCE MICRO-CAP ROYCE SMALL-CAP MARKETS DEBT
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------- ------------------- -------------------
ASSETS:
Investments at fair value $ 134,791 $ 310,458 $ 754,750 $ 420,989
Due from Metropolitan Life
Insurance Company -- 5 -- 9
------------------- ------------------- ------------------- -------------------
Total Assets 134,791 310,463 754,750 420,998
------------------- ------------------- ------------------- -------------------
LIABILITIES:
Due to Metropolitan Life
Insurance Company 11 -- 8 --
------------------- ------------------- ------------------- -------------------
Total Liabilities 11 -- 8 --
------------------- ------------------- ------------------- -------------------
NET ASSETS $ 134,780 $ 310,463 $ 754,742 $ 420,998
=================== =================== =================== ===================
The accompanying notes are an integral part of these financial statements.
22
UIF EMERGING WELLS FARGO VT
MARKETS EQUITY TOTAL RETURN BOND
INVESTMENT DIVISION INVESTMENT DIVISION
------------------- -------------------
$ 539,545 $ 134,979
-- 235
------------------- -------------------
539,545 135,214
------------------- -------------------
157 --
------------------- -------------------
157 --
------------------- -------------------
$ 539,388 $ 135,214
=================== ===================
The accompanying notes are an integral part of these financial statements.
23
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
ALLIANCEBERNSTEIN
GLOBAL THEMATIC GROWTH
INVESTMENT DIVISION
-----------------------------------
2011 2010 2009
--------------- -------- -----------
INVESTMENT INCOME:
Dividends $ 18,192 $ 1,486 $ --
--------------- -------- -----------
EXPENSES:
Mortality and expense risk charges 162,987 310 370
--------------- -------- -----------
Total expenses 162,987 310 370
--------------- -------- -----------
Net investment income (loss) (144,795) 1,176 (370)
--------------- -------- -----------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments (40,514) 8,379 (2,773)
--------------- -------- -----------
Net realized gains (losses) (40,514) 8,379 (2,773)
--------------- -------- -----------
Change in unrealized gains (losses) on investments (1,444,286) 1,480 45,397
--------------- -------- -----------
Net realized and changes in unrealized gains (losses)
on investments (1,484,800) 9,859 42,624
--------------- -------- -----------
Net increase (decrease) in net assets resulting
from operations $ (1,629,595) $ 11,035 $ 42,254
=============== ======== ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
24
ALLIANCEBERNSTEIN INTERMEDIATE BOND ALLIANCEBERNSTEIN INTERNATIONAL VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------- -------------------------------------
2011 2010 2009 (a) 2011 2010 (b)
---------- -------------- -------------- ----------------- -------------------
$ 2,097 $ 2,177 $ 763 $ 7 $ 31
---------- -------------- -------------- ----------------- -------------------
183 139 71 56 2
---------- -------------- -------------- ----------------- -------------------
183 139 71 56 2
---------- -------------- -------------- ----------------- -------------------
1,914 2,038 692 (49) 29
---------- -------------- -------------- ----------------- -------------------
170 -- -- -- --
14 2,172 716 175 1
---------- -------------- -------------- ----------------- -------------------
184 2,172 716 175 1
---------- -------------- -------------- ----------------- -------------------
563 (1,393) 2,187 (129) 88
---------- -------------- -------------- ----------------- -------------------
747 779 2,903 46 89
---------- -------------- -------------- ----------------- -------------------
$ 2,661 $ 2,817 $ 3,595 $ (3) $ 118
========== ============== ============== ================= ===================
The accompanying notes are an integral part of these financial statements.
25
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
AMERICAN CENTURY VP VISTA
INVESTMENT DIVISION
----------------------------------
2011 2010 2009
----------- ---------- -----------
INVESTMENT INCOME:
Dividends $ -- $ -- $ --
----------- ---------- -----------
EXPENSES:
Mortality and expense risk charges 305 519 472
----------- ---------- -----------
Total expenses 305 519 472
----------- ---------- -----------
Net investment income (loss) (305) (519) (472)
----------- ---------- -----------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 5,995 12,351 (47,927)
----------- ---------- -----------
Net realized gains (losses) 5,995 12,351 (47,927)
----------- ---------- -----------
Change in unrealized gains (losses) on investments (8,184) (1,947) 67,433
----------- ---------- -----------
Net realized and changes in unrealized gains (losses)
on investments (2,189) 10,404 19,506
----------- ---------- -----------
Net increase (decrease) in net assets resulting
from operations $ (2,494) $ 9,885 $ 19,034
=========== ========== ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
26
AMERICAN FUNDS BOND AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------- ---------------------------------------------------------
2011 2010 2009 2011 2010 2009
--------- ---------------------- ------------ ---------------- ---------------------- -----------------
$ 140,691 $ 126,810 $ 116,930 $ 817,781 $ 1,031,490 $ 125,985
--------- ---------------------- ------------ ---------------- ---------------------- -----------------
35,142 32,377 28,070 493,303 493,443 372,082
--------- ---------------------- ------------ ---------------- ---------------------- -----------------
35,142 32,377 28,070 493,303 493,443 372,082
--------- ---------------------- ------------ ---------------- ---------------------- -----------------
105,549 94,433 88,860 324,478 538,047 (246,097)
--------- ---------------------- ------------ ---------------- ---------------------- -----------------
-- -- -- -- -- --
10,695 (8,911) (91,981) (68,423) (386,466) (2,366,209)
--------- ---------------------- ------------ ---------------- ---------------------- -----------------
10,695 (8,911) (91,981) (68,423) (386,466) (2,366,209)
--------- ---------------------- ------------ ---------------- ---------------------- -----------------
121,054 122,161 381,938 (13,188,181) 11,810,164 23,159,810
--------- ---------------------- ------------ ---------------- ---------------------- -----------------
131,749 113,250 289,957 (13,256,604) 11,423,698 20,793,601
--------- ---------------------- ------------ ---------------- ---------------------- -----------------
$ 237,298 $ 207,683 $ 378,817 $ (12,932,126) $ 11,961,745 $ 20,547,504
========= ====================== ============ ================ ====================== =================
The accompanying notes are an integral part of these financial statements.
27
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
AMERICAN FUNDS GROWTH
INVESTMENT DIVISION
--------------------------------------------------------
2011 2010 2009
--------------- ------------------------ ---------------
INVESTMENT INCOME:
Dividends $ 771,098 $ 832,401 $ 607,594
--------------- ------------------------ ---------------
EXPENSES:
Mortality and expense risk charges 1,028,922 953,940 768,579
--------------- ------------------------ ---------------
Total expenses 1,028,922 953,940 768,579
--------------- ------------------------ ---------------
Net investment income (loss) (257,824) (121,539) (160,985)
--------------- ------------------------ ---------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 658,869 (328,082) (1,821,468)
--------------- ------------------------ ---------------
Net realized gains (losses) 658,869 (328,082) (1,821,468)
--------------- ------------------------ ---------------
Change in unrealized gains (losses) on investments (6,628,058) 19,817,938 31,985,158
--------------- ------------------------ ---------------
Net realized and changes in unrealized gains (losses)
on investments (5,969,189) 19,489,856 30,163,690
--------------- ------------------------ ---------------
Net increase (decrease) in net assets resulting
from operations $ (6,227,013) $ 19,368,317 $ 30,002,705
=============== ======================== ===============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
28
AMERICAN FUNDS GROWTH-INCOME AMERICAN FUNDS INTERNATIONAL
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------------------- ---------------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- ---------------------- ----------------- ------------ ---------------------- ---------------
$ 1,148,376 $ 1,018,183 $ 922,229 $ 10,736 $ 13,328 $ 1,021
--------------- ---------------------- ----------------- ------------ ---------------------- ---------------
594,603 564,494 475,319 9,756 9,546 222
--------------- ---------------------- ----------------- ------------ ---------------------- ---------------
594,603 564,494 475,319 9,756 9,546 222
--------------- ---------------------- ----------------- ------------ ---------------------- ---------------
553,773 453,689 446,910 980 3,782 799
--------------- ---------------------- ----------------- ------------ ---------------------- ---------------
-- -- -- -- -- 255
(58,726) (336,443) (956,152) (605) (608) 1,282
--------------- ---------------------- ----------------- ------------ ---------------------- ---------------
(58,726) (336,443) (956,152) (605) (608) 1,537
--------------- ---------------------- ----------------- ------------ ---------------------- ---------------
(2,428,568) 6,948,053 15,943,649 (108,507) 46,566 19,842
--------------- ---------------------- ----------------- ------------ ---------------------- ---------------
(2,487,294) 6,611,610 14,987,497 (109,112) 45,958 21,379
--------------- ---------------------- ----------------- ------------ ---------------------- ---------------
$ (1,933,521) $ 7,065,299 $ 15,434,407 $(108,132) $ 49,740 $ 22,178
=============== ====================== ================= ============ ====================== ===============
The accompanying notes are an integral part of these financial statements.
29
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
AMERICAN FUNDS U.S. GOVERNMENT/AAA-RATED SECURITIES
INVESTMENT DIVISION
---------------------------------------------------
2011 2010 2009
------- ------------------- -----------------------
INVESTMENT INCOME:
Dividends $ 773 $ 683 $ 2,005
------- ------------------- -----------------------
EXPENSES:
Mortality and expense risk charges 601 596 265
------- ------------------- -----------------------
Total expenses 601 596 265
------- ------------------- -----------------------
Net investment income (loss) 172 87 1,740
------- ------------------- -----------------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions 1,111 193 505
Realized gains (losses) on sale of investments 509 450 619
------- ------------------- -----------------------
Net realized gains (losses) 1,620 643 1,124
------- ------------------- -----------------------
Change in unrealized gains (losses) on investments 885 1,804 (1,799)
------- ------------------- -----------------------
Net realized and changes in unrealized gains (losses)
on investments 2,505 2,447 (675)
------- ------------------- -----------------------
Net increase (decrease) in net assets resulting
from operations $ 2,677 $ 2,534 $ 1,065
======= =================== =======================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
30
DREYFUS VIF INTERNATIONAL VALUE FIDELITY VIP ASSET MANAGER: GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------------- ------------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- --------------- ------------- ------------------- --------------
$ 4,085 $ 3,367 $ 10,533 $ 23,605 $ 19,264 $ 22,283
------------ ---------------------- --------------- ------------- ------------------- --------------
798 876 1,264 11,005 11,265 6,417
------------ ---------------------- --------------- ------------- ------------------- --------------
798 876 1,264 11,005 11,265 6,417
------------ ---------------------- --------------- ------------- ------------------- --------------
3,287 2,491 9,269 12,600 7,999 15,866
------------ ---------------------- --------------- ------------- ------------------- --------------
-- -- -- 3,056 5,857 3,095
(960) (14,086) (185,176) 71,204 31,417 (19,280)
------------ ---------------------- --------------- ------------- ------------------- --------------
(960) (14,086) (185,176) 74,260 37,274 (16,185)
------------ ---------------------- --------------- ------------- ------------------- --------------
(45,726) 19,382 238,024 (205,700) 201,872 427,179
------------ ---------------------- --------------- ------------- ------------------- --------------
(46,686) 5,296 52,848 (131,440) 239,146 410,994
------------ ---------------------- --------------- ------------- ------------------- --------------
$ (43,399) $ 7,787 $ 62,117 $ (118,840) $ 247,145 $ 426,860
============ ====================== =============== ============= =================== ==============
The accompanying notes are an integral part of these financial statements.
31
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
FIDELITY VIP CONTRAFUND
INVESTMENT DIVISION
--------------------------------------
2011 2010 2009
------------ ------------ ------------
INVESTMENT INCOME:
Dividends $ 20,916 $ 27,427 $ 43,475
------------ ------------ ------------
EXPENSES:
Mortality and expense risk charges 10,858 17,497 12,639
------------ ------------ ------------
Total expenses 10,858 17,497 12,639
------------ ------------ ------------
Net investment income (loss) 10,058 9,930 30,836
------------ ------------ ------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- 1,114 957
Realized gains (losses) on sale of investments 12,745 (218,742) (199,492)
------------ ------------ ------------
Net realized gains (losses) 12,745 (217,628) (198,535)
------------ ------------ ------------
Change in unrealized gains (losses) on investments (98,141) 648,547 1,136,586
------------ ------------ ------------
Net realized and changes in unrealized gains (losses)
on investments (85,396) 430,919 938,051
------------ ------------ ------------
Net increase (decrease) in net assets resulting
from operations $ (75,338) $ 440,849 $ 968,887
============ ============ ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
32
FIDELITY VIP EQUITY-INCOME FIDELITY VIP FREEDOM 2010
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------- -----------------------------------------
2011 2010 2009 2011 2010 2009
-------------- -------------- ----------- -------------- ----------- --------------
$ 637 $ 3,327 $ 4,739 $ 726 $ 654 $ 529
-------------- -------------- ----------- -------------- ----------- --------------
749 838 1,051 150 109 72
-------------- -------------- ----------- -------------- ----------- --------------
749 838 1,051 150 109 72
-------------- -------------- ----------- -------------- ----------- --------------
(112) 2,489 3,688 576 545 457
-------------- -------------- ----------- -------------- ----------- --------------
-- -- -- 176 470 190
2,625 (5,418) (392,905) 1,305 67 (1,846)
-------------- -------------- ----------- -------------- ----------- --------------
2,625 (5,418) (392,905) 1,481 537 (1,656)
-------------- -------------- ----------- -------------- ----------- --------------
(8,921) 31,745 405,695 (2,344) 2,036 3,793
-------------- -------------- ----------- -------------- ----------- --------------
(6,296) 26,327 12,790 (863) 2,573 2,137
-------------- -------------- ----------- -------------- ----------- --------------
$ (6,408) $ 28,816 $ 16,478 $ (287) $ 3,118 $ 2,594
============== ============== =========== ============== =========== ==============
The accompanying notes are an integral part of these financial statements.
33
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
FIDELITY VIP FREEDOM 2020
INVESTMENT DIVISION
----------------------------------
2011 2010 2009
----------- --------- ------------
INVESTMENT INCOME:
Dividends $ 15,422 $ 15,231 $ 19,275
----------- --------- ------------
EXPENSES:
Mortality and expense risk charges 2,741 2,551 2,094
----------- --------- ------------
Total expenses 2,741 2,551 2,094
----------- --------- ------------
Net investment income (loss) 12,681 12,680 17,181
----------- --------- ------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions 2,671 5,440 10,109
Realized gains (losses) on sale of investments 10,134 2,838 (11,027)
----------- --------- ------------
Net realized gains (losses) 12,805 8,278 (918)
----------- --------- ------------
Change in unrealized gains (losses) on investments (33,543) 70,032 149,817
----------- --------- ------------
Net realized and changes in unrealized gains (losses)
on investments (20,738) 78,310 148,899
----------- --------- ------------
Net increase (decrease) in net assets resulting
from operations $ (8,057) $ 90,990 $ 166,080
=========== ========= ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
34
FIDELITY VIP
FIDELITY VIP FREEDOM 2030 FREEDOM 2050
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------- -------------------
2011 2010 2009 2011 (c)
---------- --------- ---------- -------------------
$ 1,232 $ 2,018 $ 624 $ 288
---------- --------- ---------- -------------------
300 364 112 60
---------- --------- ---------- -------------------
300 364 112 60
---------- --------- ---------- -------------------
932 1,654 512 228
---------- --------- ---------- -------------------
172 680 329 1,383
11,751 710 38 (5,037)
---------- --------- ---------- -------------------
11,923 1,390 367 (3,654)
---------- --------- ---------- -------------------
(12,843) 11,839 6,395 1,450
---------- --------- ---------- -------------------
(920) 13,229 6,762 (2,204)
---------- --------- ---------- -------------------
$ 12 $ 14,883 $ 7,274 $ (1,976)
========== ========= ========== ===================
The accompanying notes are an integral part of these financial statements.
35
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
FIDELITY VIP HIGH INCOME
INVESTMENT DIVISION
-------------------------------------
2011 2010 2009 (d)
-------------- ---------- -----------
INVESTMENT INCOME:
Dividends $ 2,953 $ 340 $ 2,882
-------------- ---------- -----------
EXPENSES:
Mortality and expense risk charges 27 30 33
-------------- ---------- -----------
Total expenses 27 30 33
-------------- ---------- -----------
Net investment income (loss) 2,926 310 2,849
-------------- ---------- -----------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 13 (227) 11
-------------- ---------- -----------
Net realized gains (losses) 13 (227) 11
-------------- ---------- -----------
Change in unrealized gains (losses) on investments (1,768) 801 (647)
-------------- ---------- -----------
Net realized and changes in unrealized gains (losses)
on investments (1,755) 574 (636)
-------------- ---------- -----------
Net increase (decrease) in net assets resulting
from operations $ 1,171 $ 884 $ 2,213
============== ========== ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
36
FIDELITY VIP INVESTMENT GRADE BOND FIDELITY VIP MID CAP
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------- -----------------------------------------
2011 2010 2009 2011 2010 2009
-------------- -------------- -------------- ------------ ------------- --------------
$ 54,637 $ 18,206 $ 10,680 $ 150 $ 502 $ 119
-------------- -------------- -------------- ------------ ------------- --------------
6,449 4,314 369 5,725 5,209 142
-------------- -------------- -------------- ------------ ------------- --------------
6,449 4,314 369 5,725 5,209 142
-------------- -------------- -------------- ------------ ------------- --------------
48,188 13,892 10,311 (5,575) (4,707) (23)
-------------- -------------- -------------- ------------ ------------- --------------
24,253 5,814 654 1,181 1,027 129
(3,064) 17,651 3,233 10,846 2,077 613
-------------- -------------- -------------- ------------ ------------- --------------
21,189 23,465 3,887 12,027 3,104 742
-------------- -------------- -------------- ------------ ------------- --------------
1,742 (13,312) (1,678) (60,535) 83,723 13,131
-------------- -------------- -------------- ------------ ------------- --------------
22,931 10,153 2,209 (48,508) 86,827 13,873
-------------- -------------- -------------- ------------ ------------- --------------
$ 71,119 $ 24,045 $ 12,520 $ (54,083) $ 82,120 $ 13,850
============== ============== ============== ============ ============= ==============
The accompanying notes are an integral part of these financial statements.
37
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
FTVIPT MUTUAL GLOBAL DISCOVERY SECURITIES
INVESTMENT DIVISION
-----------------------------------------
2011 2010 2009
------------ ------------- --------------
INVESTMENT INCOME:
Dividends $ 22,691 $ 10,103 $ 7,899
------------ ------------- --------------
EXPENSES:
Mortality and expense risk charges 3,892 2,866 4,787
------------ ------------- --------------
Total expenses 3,892 2,866 4,787
------------ ------------- --------------
Net investment income (loss) 18,799 7,237 3,112
------------ ------------- --------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions 22,139 -- 18,638
Realized gains (losses) on sale of investments (20,210) (4,189) (456,806)
------------ ------------- --------------
Net realized gains (losses) 1,929 (4,189) (438,168)
------------ ------------- --------------
Change in unrealized gains (losses) on investments (59,670) 81,592 609,659
------------ ------------- --------------
Net realized and changes in unrealized gains (losses)
on investments (57,741) 77,403 171,491
------------ ------------- --------------
Net increase (decrease) in net assets resulting
from operations $ (38,942) $ 84,640 $ 174,603
============ ============= ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
38
FTVIPT TEMPLETON FOREIGN SECURITIES FTVIPT TEMPLETON GLOBAL BOND SECURITIES
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------------- ---------------------------------------
2011 2010 2009 2011 2010 2009 (e)
------------- --------------------- ---------------- ------------ -------------- -----------
$ 89,150 $ 164,170 $ 239,754 $ 10,824 $ 60 $ --
------------- --------------------- ---------------- ------------ -------------- -----------
111,353 239,041 28,000 1,067 89 4
------------- --------------------- ---------------- ------------ -------------- -----------
111,353 239,041 28,000 1,067 89 4
------------- --------------------- ---------------- ------------ -------------- -----------
(22,203) (74,871) 211,754 9,757 (29) (4)
------------- --------------------- ---------------- ------------ -------------- -----------
-- -- 268,234 1,216 10 --
253,750 (50,450) (421,623) (12,515) 4,591 5
------------- --------------------- ---------------- ------------ -------------- -----------
253,750 (50,450) (153,389) (11,299) 4,601 5
------------- --------------------- ---------------- ------------ -------------- -----------
(552,735) 614,425 2,059,948 (11,949) (171) 239
------------- --------------------- ---------------- ------------ -------------- -----------
(298,985) 563,975 1,906,559 (23,248) 4,430 244
------------- --------------------- ---------------- ------------ -------------- -----------
$ (321,188) $ 489,104 $ 2,118,313 $ (13,491) $ 4,401 $ 240
============= ===================== ================ ============ ============== ===========
The accompanying notes are an integral part of these financial statements.
39
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
GOLDMAN SACHS MID-CAP VALUE
INVESTMENT DIVISION
--------------------------------------
2011 2010 2009
------------ ------------ -----------
INVESTMENT INCOME:
Dividends $ 2,221 $ 2,264 $ 5,173
------------ ------------ ------------
EXPENSES:
Mortality and expense risk charges 1,289 1,356 2,426
------------ ------------ -----------
Total expenses 1,289 1,356 2,426
------------ ------------ -----------
Net investment income (loss) 932 908 2,747
------------ ------------ -----------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments (27,627) (13,608) (540,331)
------------ ------------ -----------
Net realized gains (losses) (27,627) (13,608) (540,331)
------------ ------------ -----------
Change in unrealized gains (losses) on investments 1,030 84,633 633,578
------------ ------------ -----------
Net realized and changes in unrealized gains (losses)
on investments (26,597) 71,025 93,247
------------ ------------ -----------
Net increase (decrease) in net assets resulting
from operations $ (25,665) $ 71,933 $ 95,994
============ ============ ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
40
INVESCO V.I.
GOVERNMENT
GOLDMAN SACHS STRUCTURED SMALL CAP EQUITY INVESCO V.I. GLOBAL REAL ESTATE SECURITIES
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------- ----------------------------------------------- -------------------
2011 2010 2009 2011 2010 2009 2011 (f)
-------------------------------------------- ----------------------------------------------- -------------------
$ 424 $ 254 $ 724 $ 72,431 $ 71,976 $ -- $ --
-------------------------------------------- ----------------------------------------------- -------------------
173 154 173 49,508 39,431 5,813 120
-------------------------------------------- ----------------------------------------------- -------------------
173 154 173 49,508 39,431 5,813 120
-------------------------------------------- ----------------------------------------------- -------------------
251 100 551 22,923 32,545 (5,813) (120)
-------------------------------------------- ----------------------------------------------- -------------------
-- -- -- -- -- -- --
175 (7,335) (17,708) (158,339) (130,047) (698,156) 1,389
-------------------------------------------- ----------------------------------------------- -------------------
175 (7,335) (17,708) (158,339) (130,047) (698,156) 1,389
-------------------------------------------- ----------------------------------------------- -------------------
(255) 18,632 28,044 (44,519) 289,353 1,038,943 1,336
-------------------------------------------- ----------------------------------------------- -------------------
(80) 11,297 10,336 (202,858) 159,306 340,787 2,725
-------------------------------------------- ----------------------------------------------- -------------------
$ 171 $ 11,397 $ 10,887 $ (179,935) $ 191,851 $ 334,974 $ 2,605
============ =================== =========== ============= ================== ============== ===================
The accompanying notes are an integral part of these financial statements.
41
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
INVESCO V.I. INTERNATIONAL GROWTH
INVESTMENT DIVISION
------------------------------------
2011 2010 2009 (d)
------------ ---------- ------------
INVESTMENT INCOME:
Dividends $ 3,660 $ 4,364 $ 242
------------ ---------- ------------
EXPENSES:
Mortality and expense risk charges 1,400 783 29
------------ ---------- ------------
Total expenses 1,400 783 29
------------ ---------- ------------
Net investment income (loss) 2,260 3,581 213
------------ ---------- ------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 3,888 1,465 34
------------ ---------- ------------
Net realized gains (losses) 3,888 1,465 34
------------ ---------- ------------
Change in unrealized gains (losses) on investments (28,330) 26,537 2,258
------------ ---------- ------------
Net realized and changes in unrealized gains (losses)
on investments (24,442) 28,002 2,292
------------ ---------- ------------
Net increase (decrease) in net assets resulting
from operations $ (22,182) $ 31,583 $ 2,505
============ ========== ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
42
INVESCO V.I. VAN KAMPEN COMSTOCK JANUS ASPEN BALANCED
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------- ----------------------------
2011 2010 (g) 2011 2010 2009
-------------- ----------------- --------- -------- ---------
$ 489 $ -- $ 44,376 $ 54,166 $ 14,836
-------------- ----------------- --------- -------- ---------
423 -- 25,576 23,474 1,929
-------------- ----------------- --------- -------- ---------
423 -- 25,576 23,474 1,929
-------------- ----------------- --------- -------- ---------
66 -- 18,800 30,692 12,907
-------------- ----------------- --------- -------- ---------
-- -- 108,835 -- 18,519
(127) 53 29,077 26,581 655
-------------- ----------------- --------- -------- ---------
(127) 53 137,912 26,581 19,174
-------------- ----------------- --------- -------- ---------
(6,181) 45 (161,867) 90,252 93,262
-------------- ----------------- --------- -------- ---------
(6,308) 98 (23,955) 116,833 112,436
-------------- ----------------- --------- -------- ---------
$ (6,242) $ 98 $ (5,155) $147,525 $ 125,343
============== ================= ========= ======== =========
The accompanying notes are an integral part of these financial statements.
43
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
JANUS ASPEN FORTY
INVESTMENT DIVISION
-------------------------------------
2011 2010 2009
------------ ----------- ------------
INVESTMENT INCOME:
Dividends $ 2,325 $ 2,433 $ 81
------------ ----------- ------------
EXPENSES:
Mortality and expense risk charges 15,960 16,448 2,129
------------ ----------- ------------
Total expenses 15,960 16,448 2,129
------------ ----------- ------------
Net investment income (loss) (13,635) (14,015) (2,048)
------------ ----------- ------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 43,353 14,051 (78,622)
------------ ----------- ------------
Net realized gains (losses) 43,353 14,051 (78,622)
------------ ----------- ------------
Change in unrealized gains (losses) on investments (117,114) 47,707 310,554
------------ ----------- ------------
Net realized and changes in unrealized gains (losses)
on investments (73,761) 61,758 231,932
------------ ----------- ------------
Net increase (decrease) in net assets resulting
from operations $ (87,396) $ 47,743 $ 229,884
============ =========== ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
44
JANUS ASPEN JANUS JANUS ASPEN OVERSEAS
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------- -------------------------------
2011 2010 2009 2011 2010 2009
------------- ------------ -------------- ------------- -------- --------
$ 5,397 $ 73,809 $ 28,575 $ 1,291 $ 1,609 $ 413
------------- ------------ -------------- ------------- -------- --------
36,978 226,951 22,889 29,472 817 355
------------- ------------ -------------- ------------- -------- --------
36,978 226,951 22,889 29,472 817 355
------------- ------------ -------------- ------------- -------- --------
(31,581) (153,142) 5,686 (28,181) 792 58
------------- ------------ -------------- ------------- -------- --------
-- -- -- 3,396 -- 3,372
1,561,413 52,158 (31,201) (93,767) 4,218 23,192
------------- ------------ -------------- ------------- -------- --------
1,561,413 52,158 (31,201) (90,371) 4,218 26,564
------------- ------------ -------------- ------------- -------- --------
(1,416,036) 848,330 1,662,317 (214,175) 62,994 37,885
------------- ------------ -------------- ------------- -------- --------
145,377 900,488 1,631,116 (304,546) 67,212 64,449
------------- ------------ -------------- ------------- -------- --------
$ 113,796 $ 747,346 $ 1,636,802 $ (332,727) $ 68,004 $ 64,507
============= ============ ============== ============= ======== ========
The accompanying notes are an integral part of these financial statements.
45
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MFS VIT GLOBAL EQUITY
INVESTMENT DIVISION
-------------------------------
2011 2010 2009
----------- ------- -----------
INVESTMENT INCOME:
Dividends $ 575 $ 1,232 $ 1,242
----------- ------- -----------
EXPENSES:
Mortality and expense risk charges 361 598 238
----------- ------- -----------
Total expenses 361 598 238
----------- ------- -----------
Net investment income (loss) 214 634 1,004
----------- ------- -----------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 12,787 183 (11,944)
----------- ------- -----------
Net realized gains (losses) 12,787 183 (11,944)
----------- ------- -----------
Change in unrealized gains (losses) on investments (16,173) 19,523 27,307
----------- ------- -----------
Net realized and changes in unrealized gains (losses)
on investments (3,386) 19,706 15,313
----------- ------- -----------
Net increase (decrease) in net assets resulting
from operations $ (3,172) 20,340 $ 16,317
=========== ======= ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
46
MFS VIT HIGH INCOME MFS VIT NEW DISCOVERY
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------- -----------------------------------
2011 2010 2009 2011 2010 2009
-------------- -------- -------- ------------ ----------- ----------
$ 12,069 $ 8,657 $ 933 $ -- $ -- $ --
-------------- -------- -------- ------------ ----------- ----------
491 457 273 555 340 27
-------------- -------- -------- ------------ ----------- ----------
491 457 273 555 340 27
-------------- -------- -------- ------------ ----------- ----------
11,578 8,200 660 (555) (340) (27)
-------------- -------- -------- ------------ ----------- ----------
-- -- -- 17,326 -- --
361 680 326 772 544 1,560
-------------- -------- -------- ------------ ----------- ----------
361 680 326 18,098 544 1,560
-------------- -------- -------- ------------ ----------- ----------
(7,343) 7,331 21,466 (32,906) 28,843 3,314
-------------- -------- -------- ------------ ----------- ----------
(6,982) 8,011 21,792 (14,808) 29,387 4,874
-------------- -------- -------- ------------ ----------- ----------
$ 4,596 $ 16,211 $ 22,452 $ (15,363) $ 29,047 $ 4,847
============== ======== ======== ============ =========== ==========
The accompanying notes are an integral part of these financial statements.
47
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MFS VIT VALUE
INVESTMENT DIVISION
-------------------------------------
2011 2010 2009
----------- ---------- --------------
INVESTMENT INCOME:
Dividends $ 999 $ 969 $ 803
----------- ---------- --------------
EXPENSES:
Mortality and expense risk charges 285 293 257
----------- ---------- --------------
Total expenses 285 293 257
----------- ---------- --------------
Net investment income (loss) 714 676 546
----------- ---------- --------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions 318 -- --
Realized gains (losses) on sale of investments (10,004) (552) (1,224)
----------- ---------- --------------
Net realized gains (losses) (9,686) (552) (1,224)
----------- ---------- --------------
Change in unrealized gains (losses) on investments 6,173 7,585 14,082
----------- ---------- --------------
Net realized and changes in unrealized gains (losses)
on investments (3,513) 7,033 12,858
----------- ---------- --------------
Net increase (decrease) in net assets resulting
from operations $ (2,799) $ 7,709 $ 13,404
=========== ========== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
48
MIST AMERICAN FUNDS BALANCED ALLOCATION MIST AMERICAN FUNDS GROWTH ALLOCATION
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------- -------------------------------------
2011 2010 2009 2011 2010 2009
------------ ------------ --------------- ------------ ----------- -----------
$ 6,635 $ 3,146 $ -- $ 10,815 $ 2,434 $ --
------------ ------------ --------------- ------------ ----------- -----------
-- -- -- -- -- --
------------ ------------ --------------- ------------ ----------- -----------
-- -- -- -- -- --
------------ ------------ --------------- ------------ ----------- -----------
6,635 3,146 -- 10,815 2,434 --
------------ ------------ --------------- ------------ ----------- -----------
248 117 -- -- -- --
6,046 1,705 (28) 9,254 5,990 1,298
------------ ------------ --------------- ------------ ----------- -----------
6,294 1,822 (28) 9,254 5,990 1,298
------------ ------------ --------------- ------------ ----------- -----------
(23,258) 26,193 14,667 (58,738) 79,550 20,909
------------ ------------ --------------- ------------ ----------- -----------
(16,964) 28,015 14,639 (49,484) 85,540 22,207
------------ ------------ --------------- ------------ ----------- -----------
$ (10,329) $ 31,161 $ 14,639 $ (38,669) $ 87,974 $ 22,207
============ ============ =============== ============ =========== ===========
The accompanying notes are an integral part of these financial statements.
49
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST AMERICAN FUNDS MODERATE ALLOCATION
INVESTMENT DIVISION
---------------------------------------
2011 2010 2009
-------------- ------------ -----------
INVESTMENT INCOME:
Dividends $ 5,453 $ 2,501 $ --
-------------- ------------ -----------
EXPENSES:
Mortality and expense risk charges -- -- --
-------------- ------------ -----------
Total expenses -- -- --
-------------- ------------ -----------
Net investment income (loss) 5,453 2,501 --
-------------- ------------ -----------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions 1,467 -- --
Realized gains (losses) on sale of investments 1,917 646 370
-------------- ------------ -----------
Net realized gains (losses) 3,384 646 370
-------------- ------------ -----------
Change in unrealized gains (losses) on investments (7,233) 16,902 11,101
-------------- ------------ -----------
Net realized and changes in unrealized gains (losses)
on investments (3,849) 17,548 11,471
-------------- ------------ -----------
Net increase (decrease) in net assets resulting
from operations $ 1,604 $ 20,049 $ 11,471
============== ============ ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
50
MIST BLACKROCK LARGE CAP CORE MIST CLARION GLOBAL REAL ESTATE
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------- ---------------------------------------------
2011 2010 2009 2011 2010 2009
-------------- --------------- --------------- --------------- -------------- --------------
$ 3,462,386 $ 3,848,840 $ 4,180,146 $ 847,944 $ 1,558,222 $ 496,210
-------------- --------------- --------------- --------------- -------------- --------------
2,301,027 2,233,231 2,047,270 179,211 166,255 119,529
-------------- --------------- --------------- --------------- -------------- --------------
2,301,027 2,233,231 2,047,270 179,211 166,255 119,529
-------------- --------------- --------------- --------------- -------------- --------------
1,161,359 1,615,609 2,132,876 668,733 1,391,967 376,681
-------------- --------------- --------------- --------------- -------------- --------------
-- -- -- -- -- --
(4,542,808) (7,248,214) (10,716,690) (421,589) (571,095) (1,092,248)
-------------- --------------- --------------- --------------- -------------- --------------
(4,542,808) (7,248,214) (10,716,690) (421,589) (571,095) (1,092,248)
-------------- --------------- --------------- --------------- -------------- --------------
3,050,880 38,497,976 54,384,062 (1,500,208) 1,969,823 5,493,585
-------------- --------------- --------------- --------------- -------------- --------------
(1,491,928) 31,249,762 43,667,372 (1,921,797) 1,398,728 4,401,337
-------------- --------------- --------------- --------------- -------------- --------------
$(330,569) $32,865,371 $45,800,248 $(1,253,064) $ 2,790,695 $ 4,778,018
============== =============== =============== =============== ============== ==============
The accompanying notes are an integral part of these financial statements.
51
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST DREMAN SMALL CAP VALUE
INVESTMENT DIVISION
----------------------------------
2011 2010 2009
----------- ---------- -----------
INVESTMENT INCOME:
Dividends $ 472 $ 172 $ 1
----------- ---------- -----------
EXPENSES:
Mortality and expense risk charges 255 220 428
----------- ---------- -----------
Total expenses 255 220 428
----------- ---------- -----------
Net investment income (loss) 217 (48) (427)
----------- ---------- -----------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 1,124 403 58,177
----------- ---------- -----------
Net realized gains (losses) 1,124 403 58,177
----------- ---------- -----------
Change in unrealized gains (losses) on investments (4,058) 3,392 2,844
----------- ---------- -----------
Net realized and changes in unrealized gains (losses)
on investments (2,934) 3,795 61,021
----------- ---------- -----------
Net increase (decrease) in net assets resulting
from operations $ (2,717) $ 3,747 $ 60,594
=========== ========== ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
52
MIST HARRIS OAKMARK INTERNATIONAL MIST INVESCO SMALL CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------- --------------------------------------
2011 2010 2009 2011 2010 2009
--------------- -------------- -------------- ------------ ------------ ------------
$ 8,423 $ 576,287 $ 1,589,352 $ -- $ -- $ --
--------------- -------------- -------------- ------------ ------------ ------------
243,105 232,976 170,663 36,533 30,507 22,254
--------------- -------------- -------------- ------------ ------------ ------------
243,105 232,976 170,663 36,533 30,507 22,254
--------------- -------------- -------------- ------------ ------------ ------------
(234,682) 343,311 1,418,689 (36,533) (30,507) (22,254)
--------------- -------------- -------------- ------------ ------------ ------------
-- -- -- -- -- --
(114,036) (312,283) (1,294,657) 169,309 (15,371) (84,509)
--------------- -------------- -------------- ------------ ------------ ------------
(114,036) (312,283) (1,294,657) 169,309 (15,371) (84,509)
--------------- -------------- -------------- ------------ ------------ ------------
(4,256,535) 4,235,035 8,897,628 (192,641) 887,599 919,328
--------------- -------------- -------------- ------------ ------------ ------------
(4,370,571) 3,922,752 7,602,971 (23,332) 872,228 834,819
--------------- -------------- -------------- ------------ ------------ ------------
$ (4,605,253) $ 4,266,063 $ 9,021,660 $ (59,865) $ 841,721 $ 812,565
=============== ============== ============== ============ ============ ============
The accompanying notes are an integral part of these financial statements.
53
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST JANUS FORTY
INVESTMENT DIVISION
---------------------------------------------
2011 2010 2009
--------------- -------------- --------------
INVESTMENT INCOME:
Dividends $ 249,768 $ 219,796 $ --
--------------- -------------- --------------
EXPENSES:
Mortality and expense risk charges 100,112 99,823 75,162
--------------- -------------- --------------
Total expenses 100,112 99,823 75,162
--------------- -------------- --------------
Net investment income (loss) 149,656 119,973 (75,162)
--------------- -------------- --------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 2,199 (41,591) (540,105)
--------------- -------------- --------------
Net realized gains (losses) 2,199 (41,591) (540,105)
--------------- -------------- --------------
Change in unrealized gains (losses) on investments (1,278,619) 1,120,682 3,887,171
--------------- -------------- --------------
Net realized and changes in unrealized gains (losses)
on investments (1,276,420) 1,079,091 3,347,066
--------------- -------------- --------------
Net increase (decrease) in net assets resulting
from operations $ (1,126,764) $ 1,199,064 $ 3,271,904
=============== ============== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
54
MIST LAZARD MID CAP MIST LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------- ---------------------------------------------
2011 2010 2009 2011 2010 2009
------------- -------------- -------------- ------------- ---------------- --------------
$ 51,406 $ 51,856 $ 51,729 $ 8,681 $ 4,315 $ 6,856
------------- -------------- -------------- ------------- ---------------- --------------
44,360 40,421 32,462 88,982 57,953 47,276
------------- -------------- -------------- ------------- ---------------- --------------
44,360 40,421 32,462 88,982 57,953 47,276
------------- -------------- -------------- ------------- ---------------- --------------
7,046 11,435 19,267 (80,301) (53,638) (40,420)
------------- -------------- -------------- ------------- ---------------- --------------
-- -- -- -- -- --
(15,584) (93,933) (283,748) 93,448 (57,251) (166,346)
------------- -------------- -------------- ------------- ---------------- --------------
(15,584) (93,933) (283,748) 93,448 (57,251) (166,346)
------------- -------------- -------------- ------------- ---------------- --------------
(320,660) 1,108,654 1,519,608 (217,464) 1,583,027 1,815,976
------------- -------------- -------------- ------------- ---------------- --------------
(336,244) 1,014,721 1,235,860 (124,016) 1,525,776 1,649,630
------------- -------------- -------------- ------------- ---------------- --------------
$ (329,198) $ 1,026,156 $ 1,255,127 $ (204,317) $ 1,472,138 $ 1,609,210
============= ============== ============== ============= ================ ==============
The accompanying notes are an integral part of these financial statements.
55
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST LORD ABBETT BOND DEBENTURE
INVESTMENT DIVISION
-----------------------------------------
2011 2010 2009
-------------- ----------- --------------
INVESTMENT INCOME:
Dividends $ 1,568,618 $ 1,718,530 $ 1,572,315
-------------- ----------- --------------
EXPENSES:
Mortality and expense risk charges 212,395 316,284 180,909
-------------- ----------- --------------
Total expenses 212,395 316,284 180,909
-------------- ----------- --------------
Net investment income (loss) 1,356,223 1,402,246 1,391,406
-------------- ----------- --------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 583,376 240,525 (126,749)
-------------- ----------- --------------
Net realized gains (losses) 583,376 240,525 (126,749)
-------------- ----------- --------------
Change in unrealized gains (losses) on investments (863,576) 1,315,427 5,411,601
-------------- ----------- --------------
Net realized and changes in unrealized gains (losses)
on investments (280,200) 1,555,952 5,284,852
-------------- ----------- --------------
Net increase (decrease) in net assets resulting
from operations $ 1,076,023 $ 2,958,198 $ 6,676,258
============== =========== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
56
MIST LORD ABBETT MID CAP VALUE MIST MET/FRANKLIN INCOME
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------- ---------------------------
2011 2010 2009 2011 2010 2009
-------------- -------- ----------- ---------- -------- -------
$ 603 $ 568 $ 1,893 $ 8,323 $ 3,216 $ --
-------------- -------- ----------- ---------- -------- -------
437 369 335 -- -- --
-------------- -------- ----------- ---------- -------- -------
437 369 335 -- -- --
-------------- -------- ----------- ---------- -------- -------
166 199 1,558 8,323 3,216 --
-------------- -------- ----------- ---------- -------- -------
-- -- -- 5,005 433 --
818 3,236 (38,897) 700 390 54
-------------- -------- ----------- ---------- -------- -------
818 3,236 (38,897) 5,705 823 54
-------------- -------- ----------- ---------- -------- -------
(5,510) 19,769 57,059 (8,507) 10,272 9,507
-------------- -------- ----------- ---------- -------- -------
(4,692) 23,005 18,162 (2,802) 11,095 9,561
-------------- -------- ----------- ---------- -------- -------
$ (4,526) $ 23,204 $ 19,720 $ 5,521 $ 14,311 $ 9,561
============== ======== =========== ========== ======== =======
The accompanying notes are an integral part of these financial statements.
57
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST MET/FRANKLIN MUTUAL SHARES
INVESTMENT DIVISION
----------------------------------
2011 2010 2009
--------- --------- -------------
INVESTMENT INCOME:
Dividends $ 1,982 $ -- $ --
--------- --------- -------------
EXPENSES:
Mortality and expense risk charges -- -- --
--------- --------- -------------
Total expenses -- -- --
--------- --------- -------------
Net investment income (loss) 1,982 -- --
--------- --------- -------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions 3,716 577 --
Realized gains (losses) on sale of investments 386 106 (91)
--------- --------- -------------
Net realized gains (losses) 4,102 683 (91)
--------- --------- -------------
Change in unrealized gains (losses) on investments (6,478) 4,077 4,710
--------- --------- -------------
Net realized and changes in unrealized gains (losses)
on investments (2,376) 4,760 4,619
--------- --------- -------------
Net increase (decrease) in net assets resulting
from operations $ (394) $ 4,760 $ 4,619
========= ========= =============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
58
MIST MET/FRANKLIN TEMPLETON FOUNDING STRATEGY MIST MET/TEMPLETON GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------- --------------------------------
2011 2010 2009 2011 2010 2009
----------- -------------- ------------------ ----------- --------- ----------
$ 5,031 $ -- $ -- $ 792 $ 305 $ 2
----------- -------------- ------------------ ----------- --------- ----------
-- -- -- -- -- --
----------- -------------- ------------------ ----------- --------- ----------
-- -- -- -- -- --
----------- -------------- ------------------ ----------- --------- ----------
5,031 -- -- 792 305 2
----------- -------------- ------------------ ----------- --------- ----------
255 1 -- -- -- --
2,035 1,545 565 371 125 (60)
----------- -------------- ------------------ ----------- --------- ----------
2,290 1,546 565 371 125 (60)
----------- -------------- ------------------ ----------- --------- ----------
(10,599) 23,230 14,572 (5,463) 3,904 3,117
----------- -------------- ------------------ ----------- --------- ----------
(8,309) 24,776 15,137 (5,092) 4,029 3,057
----------- -------------- ------------------ ----------- --------- ----------
$ (3,278) $ 24,776 $ 15,137 $ (4,300) $ 4,334 $ 3,059
=========== ============== ================== =========== ========= ==========
The accompanying notes are an integral part of these financial statements.
59
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST MFS
MIST METLIFE EMERGING
AGGRESSIVE STRATEGY MARKETS EQUITY
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------- ----------------------
2011 (f) 2011 (f)
---------------------- ----------------------
INVESTMENT INCOME:
Dividends $ -- $ --
---------------------- ----------------------
EXPENSES:
Mortality and expense risk charges 77,007 788
---------------------- ----------------------
Total expenses 77,007 788
---------------------- ----------------------
Net investment income (loss) (77,007) (788)
---------------------- ----------------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- --
Realized gains (losses) on sale of investments (117,896) (70)
---------------------- ----------------------
Net realized gains (losses) (117,896) (70)
---------------------- ----------------------
Change in unrealized gains (losses) on investments (1,834,063) (3,209)
---------------------- ----------------------
Net realized and changes in unrealized gains (losses) on investments (1,951,959) (3,279)
---------------------- ----------------------
Net increase (decrease) in net assets resulting from operations $ (2,028,966) $ (4,067)
====================== ======================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
60
MIST MFS RESEARCH INTERNATIONAL MIST MORGAN STANLEY MID CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------- --------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- -------------- -------------- ---------------- --------------- -----------
$ 285,362 $ 240,942 $ 369,327 $ 1,490,199 $ 28 $ --
--------------- -------------- -------------- ---------------- --------------- -----------
108,556 106,709 89,063 1,473,993 957,621 870
--------------- -------------- -------------- ---------------- --------------- -----------
108,556 106,709 89,063 1,473,993 957,621 870
--------------- -------------- -------------- ---------------- --------------- -----------
176,806 134,233 280,264 16,206 (957,593) (870)
--------------- -------------- -------------- ---------------- --------------- -----------
-- -- -- 5,251,936 -- --
(233,782) (545,005) (1,024,253) 2,604,216 336,382 1,780
--------------- -------------- -------------- ---------------- --------------- -----------
(233,782) (545,005) (1,024,253) 7,856,152 336,382 1,780
--------------- -------------- -------------- ---------------- --------------- -----------
(1,480,693) 1,743,808 3,897,065 (21,552,444) 31,775,159 75,648
--------------- -------------- -------------- ---------------- --------------- -----------
(1,714,475) 1,198,803 2,872,812 (13,696,292) 32,111,541 77,428
--------------- -------------- -------------- ---------------- --------------- -----------
$ (1,537,669) $ 1,333,036 $ 3,153,076 $ (13,680,086) $ 31,153,948 $ 76,558
=============== ============== ============== ================ =============== ===========
The accompanying notes are an integral part of these financial statements.
61
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST OPPENHEIMER CAPITAL APPRECIATION
INVESTMENT DIVISION
-------------------------------------
2011 2010 2009
------------ ----------- ------------
INVESTMENT INCOME:
Dividends $ 6,135 $ 10,876 $ --
------------ ----------- ------------
EXPENSES:
Mortality and expense risk charges 14,133 13,539 10,277
------------ ----------- ------------
Total expenses 14,133 13,539 10,277
------------ ----------- ------------
Net investment income (loss) (7,998) (2,663) (10,277)
------------ ----------- ------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments (25,379) (39,996) (109,001)
------------ ----------- ------------
Net realized gains (losses) (25,379) (39,996) (109,001)
------------ ----------- ------------
Change in unrealized gains (losses) on investments 5,975 190,578 558,202
------------ ----------- ------------
Net realized and changes in unrealized gains (losses)
on investments (19,404) 150,582 449,201
------------ ----------- ------------
Net increase (decrease) in net assets resulting
from operations $ (27,402) $ 147,919 $ 438,924
============ =========== ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
62
MIST PIMCO INFLATION PROTECTED BOND MIST PIMCO TOTAL RETURN
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------ --------------------------------------
2011 2010 2009 2011 2010 2009
----------- --------- -------------- -------------- ----------- -----------
$ 165,169 $ 210,729 $ 247,574 $ 1,344,247 $ 1,634,551 $ 2,762,595
----------- --------- -------------- -------------- ----------- -----------
69,974 64,055 52,710 368,735 360,915 310,295
----------- --------- -------------- -------------- ----------- -----------
69,974 64,055 52,710 368,735 360,915 310,295
----------- --------- -------------- -------------- ----------- -----------
95,195 146,674 194,864 975,512 1,273,636 2,452,300
----------- --------- -------------- -------------- ----------- -----------
424,271 220,376 -- 1,446,133 236,060 1,566,277
100,776 60,903 (46,474) 187,988 238,435 10,564
----------- --------- -------------- -------------- ----------- -----------
525,047 281,279 (46,474) 1,634,121 474,495 1,576,841
----------- --------- -------------- -------------- ----------- -----------
331,187 130,473 877,182 (1,410,547) 1,426,113 1,911,046
----------- --------- -------------- -------------- ----------- -----------
856,234 411,752 830,708 223,574 1,900,608 3,487,887
----------- --------- -------------- -------------- ----------- -----------
$ 951,429 $ 558,426 $ 1,025,572 $ 1,199,086 $ 3,174,244 $ 5,940,187
=========== ========= ============== ============== =========== ===========
The accompanying notes are an integral part of these financial statements.
63
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST PIONEER FUND
INVESTMENT DIVISION
--------------------------------
2011 2010 2009 (e)
----------- -------- -----------
INVESTMENT INCOME:
Dividends $ 2,289 $ 1,987 $ --
----------- -------- -----------
EXPENSES:
Mortality and expense risk charges 770 982 580
----------- -------- -----------
Total expenses 770 982 580
----------- -------- -----------
Net investment income (loss) 1,519 1,005 (580)
----------- -------- -----------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 21,102 6,067 1,986
----------- -------- -----------
Net realized gains (losses) 21,102 6,067 1,986
----------- -------- -----------
Change in unrealized gains (losses) on investments (30,602) 25,716 48,304
----------- -------- -----------
Net realized and changes in unrealized gains (losses)
on investments (9,500) 31,783 50,290
----------- -------- -----------
Net increase (decrease) in net assets resulting
from operations $ (7,981) $ 32,788 $ 49,710
=========== ======== ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
64
MIST RCM TECHNOLOGY MIST SSGA GROWTH AND INCOME ETF
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------- -------------------------------
2011 2010 2009 2011 2010 2009
--------------- -------------- -------------- ----------- --------- ---------
$ -- $ -- $ -- $ 74,234 $ 35,130 $ 13,156
--------------- -------------- -------------- ----------- --------- ---------
125,028 111,175 82,504 32,826 22,837 6,883
--------------- -------------- -------------- ----------- --------- ---------
125,028 111,175 82,504 32,826 22,837 6,883
--------------- -------------- -------------- ----------- --------- ---------
(125,028) (111,175) (82,504) 41,408 12,293 6,273
--------------- -------------- -------------- ----------- --------- ---------
-- -- -- 74,142 115 --
512,571 (54,192) (600,648) 49,491 16,043 3,801
--------------- -------------- -------------- ----------- --------- ---------
512,571 (54,192) (600,648) 123,633 16,158 3,801
--------------- -------------- -------------- ----------- --------- ---------
(1,944,446) 3,551,862 5,182,655 (151,325) 322,318 204,020
--------------- -------------- -------------- ----------- --------- ---------
(1,431,875) 3,497,670 4,582,007 (27,692) 338,476 207,821
--------------- -------------- -------------- ----------- --------- ---------
$ (1,556,903) $ 3,386,495 $ 4,499,503 $ 13,716 $ 350,769 $ 214,094
=============== ============== ============== =========== ========= =========
The accompanying notes are an integral part of these financial statements.
65
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST SSGA GROWTH ETF
INVESTMENT DIVISION
-----------------------------------
2011 2010 2009
------------ --------- ------------
INVESTMENT INCOME:
Dividends $ 57,479 $ 34,185 $ 15,419
------------ --------- ------------
EXPENSES:
Mortality and expense risk charges 26,324 17,903 8,413
------------ --------- ------------
Total expenses 26,324 17,903 8,413
------------ --------- ------------
Net investment income (loss) 31,155 16,282 7,006
------------ --------- ------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 63,035 12,378 (20,730)
------------ --------- ------------
Net realized gains (losses) 63,035 12,378 (20,730)
------------ --------- ------------
Change in unrealized gains (losses) on investments (183,850) 271,601 309,775
------------ --------- ------------
Net realized and changes in unrealized gains (losses)
on investments (120,815) 283,979 289,045
------------ --------- ------------
Net increase (decrease) in net assets resulting
from operations $ (89,660) $ 300,261 $ 296,051
============ ========= ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
66
MIST T. ROWE PRICE LARGE CAP VALUE MIST T. ROWE PRICE MID CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------- ----------------------------------------
2011 2010 2009 2011 2010 2009
---------- ----------- ----------- ------------- ------------ -------------
$ 9,481 $ 65,246 $ 104,472 $ -- $ -- $ --
---------- ----------- ----------- ------------- ------------ -------------
24,068 134,790 18,231 314,304 150,122 115,483
---------- ----------- ----------- ------------- ------------ -------------
24,068 134,790 18,231 314,304 150,122 115,483
---------- ----------- ----------- ------------- ------------ -------------
(14,587) (69,544) 86,241 (314,304) (150,122) (115,483)
---------- ----------- ----------- ------------- ------------ -------------
-- -- -- 560,152 -- --
(435,260) (79,021) (261,167) 312,619 131,367 (381,122)
---------- ----------- ----------- ------------- ------------ -------------
(435,260) (79,021) (261,167) 872,771 131,367 (381,122)
---------- ----------- ----------- ------------- ------------ -------------
577,510 921,874 894,542 (1,837,318) 4,580,355 5,596,487
---------- ----------- ----------- ------------- ------------ -------------
142,250 842,853 633,375 (964,547) 4,711,722 5,215,365
---------- ----------- ----------- ------------- ------------ -------------
$ 127,663 $ 773,309 $ 719,616 $(1,278,851) $ 4,561,600 $ 5,099,882
========== =========== =========== ============= ============ =============
The accompanying notes are an integral part of these financial statements.
67
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST THIRD AVENUE SMALL CAP VALUE
INVESTMENT DIVISION
----------------------------------
2011 2010 2009
------------- --------- ----------
INVESTMENT INCOME:
Dividends $ 9,414 $ 12,822 $ 3,058
------------- --------- ----------
EXPENSES:
Mortality and expense risk charges 10,152 11,741 2,219
------------- --------- ----------
Total expenses 10,152 11,741 2,219
------------- --------- ----------
Net investment income (loss) (738) 1,081 839
------------- --------- ----------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- 2,838
Realized gains (losses) on sale of investments 86,881 42,370 (17,013)
------------- --------- ----------
Net realized gains (losses) 86,881 42,370 (14,175)
------------- --------- ----------
Change in unrealized gains (losses) on investments (240,493) 198,929 152,916
------------- --------- ----------
Net realized and changes in unrealized gains (losses)
on investments (153,612) 241,299 138,741
------------- --------- ----------
Net increase (decrease) in net assets resulting
from operations $ (154,350) $ 242,380 $ 139,580
============= ========= ==========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
68
MSF ARTIO INTERNATIONAL STOCK MSF BARCLAYS CAPITAL AGGREGATE BOND INDEX
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------- -----------------------------------------
2011 2010 2009 2011 2010 2009
--------------- -------------- -------------- ----------- ------------- ---------------
$ 753,948 $ 672,423 $ 284,863 $ 3,919,750 $ 4,039,520 $ 5,910,030
--------------- -------------- -------------- ----------- ------------- ---------------
342,874 360,189 333,983 911,279 904,600 732,517
--------------- -------------- -------------- ----------- ------------- ---------------
342,874 360,189 333,983 911,279 904,600 732,517
--------------- -------------- -------------- ----------- ------------- ---------------
411,074 312,234 (49,120) 3,008,471 3,134,920 5,177,513
--------------- -------------- -------------- ----------- ------------- ---------------
-- -- -- -- -- --
(808,593) (1,030,425) (2,053,375) 843,640 613,564 195,723
--------------- -------------- -------------- ----------- ------------- ---------------
(808,593) (1,030,425) (2,053,375) 843,640 613,564 195,723
--------------- -------------- -------------- ----------- ------------- ---------------
(8,900,342) 3,370,719 10,298,349 3,276,276 1,607,603 (1,139,158)
--------------- -------------- -------------- ----------- ------------- ---------------
(9,708,935) 2,340,294 8,244,974 4,119,916 2,221,167 (943,435)
--------------- -------------- -------------- ----------- ------------- ---------------
$ (9,297,861) $ 2,652,528 $ 8,195,854 $ 7,128,387 $ 5,356,087 $ 4,234,078
=============== ============== ============== =========== ============= ===============
The accompanying notes are an integral part of these financial statements.
69
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF BLACKROCK AGGRESSIVE GROWTH
INVESTMENT DIVISION
-----------------------------------------------
2011 2010 2009
--------------- --------------- ---------------
INVESTMENT INCOME:
Dividends $ 597,164 $ 125,813 $ 309,682
--------------- --------------- ---------------
EXPENSES:
Mortality and expense risk charges 1,828,016 1,617,041 1,367,142
--------------- --------------- ---------------
Total expenses 1,828,016 1,617,041 1,367,142
--------------- --------------- ---------------
Net investment income (loss) (1,230,852) (1,491,228) (1,057,460)
--------------- --------------- ---------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 2,544,325 451,106 (3,328,441)
--------------- --------------- ---------------
Net realized gains (losses) 2,544,325 451,106 (3,328,441)
--------------- --------------- ---------------
Change in unrealized gains (losses) on investments (8,863,059) 26,312,677 66,805,065
--------------- --------------- ---------------
Net realized and changes in unrealized gains (losses)
on investments (6,318,734) 26,763,783 63,476,624
--------------- --------------- ---------------
Net increase (decrease) in net assets resulting
from operations $ (7,549,586) $ 25,272,555 $ 62,419,164
=============== =============== ===============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
70
MSF BLACKROCK BOND INCOME MSF BLACKROCK DIVERSIFIED
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------- ------------------------------------------
2011 2010 2009 2011 2010 2009
----------- ----------- -------------- -------------- ------------- -------------
$ 3,304,583 $ 3,345,493 $ 5,731,533 $ 6,407,012 $ 4,856,230 $ 12,214,068
----------- ----------- -------------- -------------- ------------- -------------
652,314 675,543 651,039 2,319,083 2,202,890 2,044,120
----------- ----------- -------------- -------------- ------------- -------------
652,314 675,543 651,039 2,319,083 2,202,890 2,044,120
----------- ----------- -------------- -------------- ------------- -------------
2,652,269 2,669,950 5,080,494 4,087,929 2,653,340 10,169,948
----------- ----------- -------------- -------------- ------------- -------------
-- -- -- -- -- --
132,024 24,746 (553,787) (191,522) (1,951,136) (4,609,576)
----------- ----------- -------------- -------------- ------------- -------------
132,024 24,746 (553,787) (191,522) (1,951,136) (4,609,576)
----------- ----------- -------------- -------------- ------------- -------------
1,930,533 3,372,816 2,142,811 3,658,514 20,635,275 31,028,944
----------- ----------- -------------- -------------- ------------- -------------
2,062,557 3,397,562 1,589,024 3,466,992 18,684,139 26,419,368
----------- ----------- -------------- -------------- ------------- -------------
$ 4,714,826 $ 6,067,512 $ 6,669,518 $ 7,554,921 $ 21,337,479 $ 36,589,316
=========== =========== ============== ============== ============= =============
The accompanying notes are an integral part of these financial statements.
71
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF BLACKROCK LARGE CAP VALUE
INVESTMENT DIVISION
------------------------------------------
2011 2010 2009
------------ -------------- --------------
INVESTMENT INCOME:
Dividends $ 149,056 $ 122,314 $ 155,310
------------ -------------- --------------
EXPENSES:
Mortality and expense risk charges 105,410 95,279 81,859
------------ -------------- --------------
Total expenses 105,410 95,279 81,859
------------ -------------- --------------
Net investment income (loss) 43,646 27,035 73,451
------------ -------------- --------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments (80,782) (263,466) (513,587)
------------ -------------- --------------
Net realized gains (losses) (80,782) (263,466) (513,587)
------------ -------------- --------------
Change in unrealized gains (losses) on investments 254,349 1,265,453 1,615,283
------------ -------------- --------------
Net realized and changes in unrealized gains (losses)
on investments 173,567 1,001,987 1,101,696
------------ -------------- --------------
Net increase (decrease) in net assets resulting
from operations $ 217,213 $ 1,029,022 $ 1,175,147
============ ============== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
72
MSF BLACKROCK LEGACY LARGE CAP GROWTH MSF BLACKROCK MONEY MARKET
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------- ---------------------------------------
2011 2010 2009 2011 2010 2009
------------- -------------- -------------- ------------ ------------- ------------
$ 14,560 $ 14,175 $ 29,634 $ -- $ 3,600 $ 269,650
------------- -------------- -------------- ------------ ------------- ------------
61,180 52,945 35,213 161,149 304,506 280,999
------------- -------------- -------------- ------------ ------------- ------------
61,180 52,945 35,213 161,149 304,506 280,999
------------- -------------- -------------- ------------ ------------- ------------
(46,620) (38,770) (5,579) (161,149) (300,906) (11,349)
------------- -------------- -------------- ------------ ------------- ------------
-- -- -- -- -- --
137,813 75,641 (146,284) -- -- --
------------- -------------- -------------- ------------ ------------- ------------
137,813 75,641 (146,284) -- -- --
------------- -------------- -------------- ------------ ------------- ------------
(879,158) 1,107,022 1,684,656 -- -- --
------------- -------------- -------------- ------------ ------------- ------------
(741,345) 1,182,663 1,538,372 -- -- --
------------- -------------- -------------- ------------ ------------- ------------
$ (787,965) $ 1,143,893 $ 1,532,793 $(161,149) $ (300,906) $ (11,349)
============= ============== ============== ============ ============= ============
The accompanying notes are an integral part of these financial statements.
73
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF DAVIS VENTURE VALUE
INVESTMENT DIVISION
-------------------------------------------
2011 2010 2009
--------------- ----------- ---------------
INVESTMENT INCOME:
Dividends $ 648,127 $ 534,093 $ 679,120
--------------- ----------- ---------------
EXPENSES:
Mortality and expense risk charges 437,275 444,758 366,383
--------------- ----------- ---------------
Total expenses 437,275 444,758 366,383
--------------- ----------- ---------------
Net investment income (loss) 210,852 89,335 312,737
--------------- ----------- ---------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 492,146 191,969 (723,952)
--------------- ----------- ---------------
Net realized gains (losses) 492,146 191,969 (723,952)
--------------- ----------- ---------------
Change in unrealized gains (losses) on investments (3,392,027) 5,562,556 12,907,686
--------------- ----------- ---------------
Net realized and changes in unrealized gains (losses)
on investments (2,899,881) 5,754,525 12,183,734
--------------- ----------- ---------------
Net increase (decrease) in net assets resulting
from operations $ (2,689,029) $ 5,843,860 $ 12,496,471
=============== =========== ===============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
74
MSF FI VALUE LEADERS MSF JENNISON GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------- -----------------------------------------
2011 2010 2009 2011 2010 2009
------------- ------------ ------------ ----------- -------------- --------------
$ 70,725 $ 90,469 $ 128,519 $ 42,021 $ 82,750 $ 21,249
------------- ------------ ------------ ----------- -------------- --------------
51,616 48,155 38,405 109,004 116,354 96,459
------------- ------------ ------------ ----------- -------------- --------------
51,616 48,155 38,405 109,004 116,354 96,459
----------- ------------ ------------ ----------- -------------- --------------
19,109 42,314 90,114 (66,983) (33,604) (75,210)
----------- ------------ ------------ ----------- -------------- --------------
-- -- -- -- -- --
(99,840) (145,291) (259,906) 251,119 17,747 (140,559)
------------- ------------ ------------ ----------- -------------- --------------
(99,840) (145,291) (259,906) 251,119 17,747 (140,559)
------------- ------------ ------------ ----------- -------------- --------------
(347,209) 885,079 1,128,894 (215,551) 1,535,759 4,015,386
------------- ------------ ------------ ----------- -------------- --------------
(447,049) 739,788 868,988 35,568 1,553,506 3,874,827
------------- ------------ ------------ ----------- -------------- --------------
$ (427,940) $ 782,102 $ 959,102 $(31,415) $ 1,519,902 $ 3,799,617
============= ============ ============ =========== ============== ==============
The accompanying notes are an integral part of these financial statements.
75
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF LOOMIS SAYLES SMALL CAP CORE
INVESTMENT DIVISION
-----------------------------------------
2011 2010 2009
----------- -------------- --------------
INVESTMENT INCOME:
Dividends $ 20,207 $ 14,765 $ 34,048
----------- -------------- --------------
EXPENSES:
Mortality and expense risk charges 137,144 127,370 100,553
----------- -------------- --------------
Total expenses 137,144 127,370 100,553
----------- -------------- --------------
Net investment income (loss) (116,937) (112,605) (66,505)
----------- -------------- --------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 258,722 (55,224) (439,969)
----------- -------------- --------------
Net realized gains (losses) 258,722 (55,224) (439,969)
----------- -------------- --------------
Change in unrealized gains (losses) on investments (166,265) 4,065,140 3,809,050
----------- -------------- --------------
Net realized and changes in unrealized gains (losses)
on investments 92,457 4,009,916 3,369,081
----------- -------------- --------------
Net increase (decrease) in net assets resulting
from operations $ (24,480) $ 3,897,311 $ 3,302,576
=========== ============== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
76
MSF LOOMIS SAYLES SMALL CAP GROWTH MSF MET/ARTISAN MID CAP VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------- --------------------------------------------
2011 2010 2009 2011 2010 2009
-------------- -------------- -------------- -------------- -------------- ---------------
$ -- $ -- $ -- $ 455,060 $ 314,548 $ 390,395
-------------- -------------- -------------- -------------- -------------- ---------------
65,916 51,755 39,304 394,641 362,293 295,816
-------------- -------------- -------------- -------------- -------------- ---------------
65,916 51,755 39,304 394,641 362,293 295,816
-------------- -------------- -------------- -------------- -------------- ---------------
(65,916) (51,755) (39,304) 60,419 (47,745) 94,579
-------------- -------------- -------------- -------------- -------------- ---------------
-- -- -- -- -- --
104,198 (47,680) (219,528) (412,007) (887,093) (2,074,439)
-------------- -------------- -------------- -------------- -------------- ---------------
104,198 (47,680) (219,528) (412,007) (887,093) (2,074,439)
-------------- -------------- -------------- -------------- -------------- ---------------
121,090 1,843,398 1,519,136 3,096,938 6,661,231 14,134,862
-------------- -------------- -------------- -------------- -------------- ---------------
225,288 1,795,718 1,299,608 2,684,931 5,774,138 12,060,423
-------------- -------------- -------------- -------------- -------------- ---------------
$ 159,372 $ 1,743,963 $ 1,260,304 $ 2,745,350 $ 5,726,393 $ 12,155,002
============== ============== ============== ============== ============== ===============
The accompanying notes are an integral part of these financial statements.
77
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF METLIFE CONSERVATIVE ALLOCATION
INVESTMENT DIVISION
-----------------------------------
2011 2010 2009
------------ --------- ------------
INVESTMENT INCOME:
Dividends $ 98,787 $ 102,209 $ 56,682
------------ --------- ------------
EXPENSES:
Mortality and expense risk charges 30,203 21,942 14,419
------------ --------- ------------
Total expenses 30,203 21,942 14,419
------------ --------- ------------
Net investment income (loss) 68,584 80,267 42,263
------------ --------- ------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- 10,668
Realized gains (losses) on sale of investments 77,218 46,459 (4,941)
------------ --------- ------------
Net realized gains (losses) 77,218 46,459 5,727
------------ --------- ------------
Change in unrealized gains (losses) on investments (37,275) 119,161 276,504
------------ --------- ------------
Net realized and changes in unrealized gains (losses)
on investments 39,943 165,620 282,231
------------ --------- ------------
Net increase (decrease) in net assets resulting
from operations $ 108,527 $ 245,887 $ 324,494
============ ========= ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
78
MSF METLIFE CONSERVATIVE TO MODERATE ALLOCATION MSF METLIFE MID CAP STOCK INDEX
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------------- -------------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------- ----------------- --------------- -------------- -----------------
$ 156,398 $ 193,442 $ 133,159 $ 593,088 $ 562,548 $ 810,735
------------ ---------------- ----------------- --------------- -------------- -----------------
53,513 46,556 35,274 500,504 473,626 374,527
------------ ---------------- ----------------- --------------- -------------- -----------------
53,513 46,556 35,274 500,504 473,626 374,527
------------ ---------------- ----------------- --------------- -------------- -----------------
102,885 146,886 97,885 92,584 88,922 436,208
------------ ---------------- ----------------- --------------- -------------- -----------------
-- -- 27,807 2,722,599 70,909 1,783,617
135,436 32,319 (95,953) 678,616 177,461 (1,475,288)
------------ ---------------- ----------------- --------------- -------------- -----------------
135,436 32,319 (68,146) 3,401,215 248,370 308,329
------------ ---------------- ----------------- --------------- -------------- -----------------
(210,123) 421,073 828,280 (4,954,472) 12,893,844 13,600,526
------------ ---------------- ----------------- --------------- -------------- -----------------
(74,687) 453,392 760,134 (1,553,257) 13,142,214 13,908,855
------------ ---------------- ----------------- --------------- -------------- -----------------
$ 28,198 $ 600,278 $ 858,019 $ (1,460,673) $ 13,231,136 $ 14,345,063
============ ================ ================= =============== ============== =================
The accompanying notes are an integral part of these financial statements.
79
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF METLIFE MODERATE ALLOCATION
INVESTMENT DIVISION
---------------------------------------
2011 2010 2009
------------- ----------- -------------
INVESTMENT INCOME:
Dividends $ 669,982 $ 877,469 $ 699,782
------------- ----------- -------------
EXPENSES:
Mortality and expense risk charges 304,573 264,549 193,170
------------- ----------- -------------
Total expenses 304,573 264,549 193,170
------------- ----------- -------------
Net investment income (loss) 365,409 612,920 506,612
------------- ----------- -------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- 337,203
Realized gains (losses) on sale of investments 234,474 17,779 (340,090)
------------- ----------- -------------
Net realized gains (losses) 234,474 17,779 (2,887)
------------- ----------- -------------
Change in unrealized gains (losses) on investments (1,362,402) 3,378,733 5,007,760
------------- ----------- -------------
Net realized and changes in unrealized gains (losses)
on investments (1,127,928) 3,396,512 5,004,873
------------- ----------- -------------
Net increase (decrease) in net assets resulting
from operations $ (762,519) $ 4,009,432 $ 5,511,485
============= =========== =============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
80
MSF METLIFE MODERATE TO AGGRESSIVE ALLOCATION MSF METLIFE STOCK INDEX
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- ------------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- ----------------- --------------- --------------- --------------- ----------------
$ 1,073,341 $ 1,283,219 $ 1,144,971 $ 11,182,368 $ 10,671,016 $ 13,698,992
--------------- ----------------- --------------- --------------- --------------- ----------------
567,221 486,295 365,479 4,861,432 4,862,670 4,016,527
--------------- ----------------- --------------- --------------- --------------- ----------------
567,221 486,295 365,479 4,861,432 4,862,670 4,016,527
--------------- ----------------- --------------- --------------- --------------- ----------------
506,120 796,924 779,492 6,320,936 5,808,346 9,682,465
--------------- ----------------- --------------- --------------- --------------- ----------------
-- -- 560,846 4,115,111 -- 10,241,628
112,005 (102,509) (694,062) (324,668) (5,405,568) (11,218,400)
--------------- ----------------- --------------- --------------- --------------- ----------------
112,005 (102,509) (133,216) 3,790,443 (5,405,568) (976,772)
--------------- ----------------- --------------- --------------- --------------- ----------------
(3,772,324) 7,116,457 10,602,923 (2,093,968) 82,259,608 112,925,652
--------------- ----------------- --------------- --------------- --------------- ----------------
(3,660,319) 7,013,948 10,469,707 1,696,475 76,854,040 111,948,880
--------------- ----------------- --------------- --------------- --------------- ----------------
$ (3,154,199) $ 7,810,872 $ 11,249,199 $ 8,017,411 $ 82,662,386 $ 121,631,345
=============== ================= =============== =============== =============== ================
The accompanying notes are an integral part of these financial statements.
81
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF MFS TOTAL RETURN
INVESTMENT DIVISION
--------------------------------------
2011 2010 2009
------------ ------------ ------------
INVESTMENT INCOME:
Dividends $ 208,852 $ 217,114 $ 230,711
------------ ------------ ------------
EXPENSES:
Mortality and expense risk charges 112,685 86,631 51,498
------------ ------------ ------------
Total expenses 112,685 86,631 51,498
------------ ------------ ------------
Net investment income (loss) 96,167 130,483 179,213
------------ ------------ ------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments (29,847) (99,947) (173,243)
------------ ------------ ------------
Net realized gains (losses) (29,847) (99,947) (173,243)
------------ ------------ ------------
Change in unrealized gains (losses) on investments (11,189) 568,242 937,515
------------ ------------ ------------
Net realized and changes in unrealized gains (losses)
on investments (41,036) 468,295 764,272
------------ ------------ ------------
Net increase (decrease) in net assets resulting
from operations $ 55,131 $ 598,778 $ 943,485
============ ============ ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
82
MSF MFS VALUE MSF MORGAN STANLEY EAFE INDEX
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------ ----------------------------------------------
2011 2010 2009 2011 2010 2009
------------ -------------- -------------- --------------- -------------- ---------------
$ 836,589 $ 713,180 $ -- $ 1,549,893 $ 1,568,147 $ 2,127,820
------------ -------------- -------------- --------------- -------------- ---------------
469,226 457,584 360,654 552,900 524,541 418,461
------------ -------------- -------------- --------------- -------------- ---------------
469,226 457,584 360,654 552,900 524,541 418,461
------------ -------------- -------------- --------------- -------------- ---------------
367,363 255,596 (360,654) 996,993 1,043,606 1,709,359
------------ -------------- -------------- --------------- -------------- ---------------
-- -- -- -- -- 345,458
(44,982) (425,864) (877,734) 137,025 (236,046) (800,654)
------------ -------------- -------------- --------------- -------------- ---------------
(44,982) (425,864) (877,734) 137,025 (236,046) (455,196)
------------ -------------- -------------- --------------- -------------- ---------------
(346,891) 5,358,513 9,493,542 (9,604,700) 3,674,685 11,844,795
------------ -------------- -------------- --------------- -------------- ---------------
(391,873) 4,932,649 8,615,808 (9,467,675) 3,438,639 11,389,599
------------ -------------- -------------- --------------- -------------- ---------------
$ (24,510) $ 5,188,245 $ 8,255,154 $ (8,470,682) $ 4,482,245 $ 13,098,958
============ ============== ============== =============== ============== ===============
The accompanying notes are an integral part of these financial statements.
83
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF NEUBERGER BERMAN GENESIS
INVESTMENT DIVISION
-------------------------------------------
2011 2010 2009
-------------- ------------- --------------
INVESTMENT INCOME:
Dividends $ 596,562 $ 353,007 $ 663,127
-------------- ------------- --------------
EXPENSES:
Mortality and expense risk charges 663,840 628,387 512,489
-------------- ------------- --------------
Total expenses 663,840 628,387 512,489
-------------- ------------- --------------
Net investment income (loss) (67,278) (275,380) 150,638
-------------- ------------- --------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments (976,828) (2,085,738) (2,703,187)
-------------- ------------- --------------
Net realized gains (losses) (976,828) (2,085,738) (2,703,187)
-------------- ------------- --------------
Change in unrealized gains (losses) on investments 4,961,322 15,927,942 10,045,644
-------------- ------------- --------------
Net realized and changes in unrealized gains (losses)
on investments 3,984,494 13,842,204 7,342,457
-------------- ------------- --------------
Net increase (decrease) in net assets resulting
from operations $ 3,917,216 $ 13,566,824 $ 7,493,095
============== ============= ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
84
MSF NEUBERGER BERMAN MID CAP VALUE MSF OPPENHEIMER GLOBAL EQUITY
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------------- -----------------------------------------
2011 2010 2009 2011 2010 2009
--------------- --------------- --------------- --------------- ----------- -------------
$ 587,608 $ 569,862 $ 813,259 $ 845,569 $ 612,821 $ 852,361
--------------- --------------- --------------- --------------- ----------- -------------
575,836 570,197 440,022 304,815 297,201 258,416
--------------- --------------- --------------- --------------- ----------- -------------
575,836 570,197 440,022 304,815 297,201 258,416
--------------- --------------- --------------- --------------- ----------- -------------
11,772 (335) 373,237 540,754 315,620 593,945
--------------- --------------- --------------- --------------- ----------- -------------
-- -- 16,184 -- -- --
682,184 12,235 (1,401,599) 892,248 362,727 (362,452)
--------------- --------------- --------------- --------------- ----------- -------------
682,184 12,235 (1,385,415) 892,248 362,727 (362,452)
--------------- --------------- --------------- --------------- ----------- -------------
(5,912,606) 15,949,723 21,838,137 (5,213,727) 5,192,068 11,124,292
--------------- --------------- --------------- --------------- ----------- -------------
(5,230,422) 15,961,958 20,452,722 (4,321,479) 5,554,795 10,761,840
--------------- --------------- --------------- --------------- ----------- -------------
$ (5,218,650) $ 15,961,623 $ 20,825,959 $ (3,780,725) $ 5,870,415 $ 11,355,785
=============== =============== =============== =============== =========== =============
The accompanying notes are an integral part of these financial statements.
85
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF RUSSELL 2000 INDEX
INVESTMENT DIVISION
----------------------------------------------
2011 2010 2009
--------------- --------------- --------------
INVESTMENT INCOME:
Dividends $ 561,526 $ 547,888 $ 812,284
--------------- --------------- --------------
EXPENSES:
Mortality and expense risk charges 389,979 378,183 318,144
--------------- --------------- --------------
Total expenses 389,979 378,183 318,144
--------------- --------------- --------------
Net investment income (loss) 171,547 169,705 494,140
--------------- --------------- --------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- 1,106,089
Realized gains (losses) on sale of investments 734,988 (66,857) (1,035,970)
--------------- --------------- --------------
Net realized gains (losses) 734,988 (66,857) 70,119
--------------- --------------- --------------
Change in unrealized gains (losses) on investments (3,300,203) 11,828,973 9,093,620
--------------- --------------- --------------
Net realized and changes in unrealized gains (losses)
on investments (2,565,215) 11,762,116 9,163,739
--------------- --------------- --------------
Net increase (decrease) in net assets resulting
from operations $ (2,393,668) $ 11,931,821 $ 9,657,879
=============== =============== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
86
MSF T. ROWE PRICE LARGE CAP GROWTH MSF T. ROWE PRICE SMALL CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------- ----------------------------------------------
2011 2010 2009 2011 2010 2009
------------- -------------- --------------- -------------- --------------- ---------------
$ 38,643 $ 113,187 $ 224,945 $ -- $ -- $ 200,547
------------- -------------- --------------- -------------- --------------- ---------------
354,938 373,672 295,919 968,014 769,902 477,748
------------- -------------- --------------- -------------- --------------- ---------------
354,938 373,672 295,919 968,014 769,902 477,748
------------- -------------- --------------- -------------- --------------- ---------------
(316,295) (260,485) (70,974) (968,014) (769,902) (277,201)
------------- -------------- --------------- -------------- --------------- ---------------
-- -- -- -- -- 1,576,442
908,859 253,453 (485,740) 2,332,511 562,971 (1,108,337)
------------- -------------- --------------- -------------- --------------- ---------------
908,859 253,453 (485,740) 2,332,511 562,971 468,105
------------- -------------- --------------- -------------- --------------- ---------------
(1,383,140) 6,370,252 13,392,122 (846,789) 22,601,563 19,138,611
------------- -------------- --------------- -------------- --------------- ---------------
(474,281) 6,623,705 12,906,382 1,485,722 23,164,534 19,606,716
------------- -------------- --------------- -------------- --------------- ---------------
$ (790,576) $ 6,363,220 $ 12,835,408 $ 517,708 $ 22,394,632 $ 19,329,515
============= ============== =============== ============== =============== ===============
The accompanying notes are an integral part of these financial statements.
87
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF VAN ECK
GLOBAL NATURAL MSF WESTERN ASSET MANAGEMENT
RESOURCES STRATEGIC BOND OPPORTUNITIES
INVESTMENT DIVISION INVESTMENT DIVISION
------------------- --------------------------------------
2011 (f) 2011 2010 2009
------------------- ----------- ------------- ------------
INVESTMENT INCOME:
Dividends $ -- $ 1,209,466 $ 1,333,421 $ 1,175,403
------------------- ----------- ------------- ------------
EXPENSES:
Mortality and expense risk charges 609 192,580 182,131 148,016
------------------- ----------- ------------- ------------
Total expenses 609 192,580 182,131 148,016
------------------- ----------- ------------- ------------
Net investment income (loss) (609) 1,016,886 1,151,290 1,027,387
------------------- ----------- ------------- ------------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- -- 518,778
Realized gains (losses) on sale of investments (45) 144,847 71,403 (136,510)
------------------- ----------- ------------- ------------
Net realized gains (losses) (45) 144,847 71,403 382,268
------------------- ----------- ------------- ------------
Change in unrealized gains (losses)
on investments (2,198) 64,600 1,196,007 3,433,572
------------------- ----------- ------------- ------------
Net realized and changes in unrealized gains
(losses) on investments (2,243) 209,447 1,267,410 3,815,840
------------------- ----------- ------------- ------------
Net increase (decrease) in net assets
resulting from operations $ (2,852) $ 1,226,333 $ 2,418,700 $ 4,843,227
=================== =========== ============= ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
88
PIMCO VIT
ALL ASSET
MSF WESTERN ASSET MANAGEMENT U.S. GOVERNMENT INVESTMENT PIMCO VIT LOW DURATION
INVESTMENT DIVISION DIVISION INVESTMENT DIVISION
-------------------------------------------- ------------ --------------------------------------
2011 2010 2009 2011 (f) 2011 2010 2009 (e)
------------ ---------------- -------------- ------------ ----------- ----------- --------------
$ 248,608 $ 448,826 $ 714,343 $ 2,796 $ 13,732 $ 12,187 $ 11,216
------------ ---------------- -------------- ------------ ----------- ----------- --------------
131,962 134,214 131,035 22 2,905 2,779 1,731
------------ ---------------- -------------- ------------ ----------- ----------- --------------
131,962 134,214 131,035 22 2,905 2,779 1,731
------------ ---------------- -------------- ------------ ----------- ----------- --------------
116,646 314,612 583,308 2,774 10,827 9,408 9,485
------------ ---------------- -------------- ------------ ----------- ----------- --------------
570,575 47,316 -- -- -- 2,469 32,906
(5,603) 1,727 (89,029) -- 618 260 180
------------ ---------------- -------------- ------------ ----------- ----------- --------------
564,972 49,043 (89,029) -- 618 2,729 33,086
------------ ---------------- -------------- ------------ ----------- ----------- --------------
82,587 435,726 44,105 (1,176) (6,243) 23,685 1,601
------------ ---------------- -------------- ------------ ----------- ----------- --------------
647,559 484,769 (44,924) (1,176) (5,625) 26,414 34,687
------------ ---------------- -------------- ------------ ----------- ----------- --------------
$ 764,205 $ 799,381 $ 538,384 $ 1,598 $ 5,202 $ 35,822 $ 44,172
============ ================ ============== ============ =========== =========== ==============
The accompanying notes are an integral part of these financial statements.
89
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
PIONEER VCT EMERGING MARKETS
INVESTMENT DIVISION
------------------------------------
2011 2010 2009
------------- ------------ ---------
INVESTMENT INCOME:
Dividends $ -- $ 3,039 $ 5,200
------------- ------------ ---------
EXPENSES:
Mortality and expense risk charges 12,310 13,622 1,999
------------- ------------ ---------
Total expenses 12,310 13,622 1,999
------------- ------------ ---------
Net investment income (loss) (12,310) (10,583) 3,201
------------- ------------ ---------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 121,447 75,682 8,989
------------- ------------ ---------
Net realized gains (losses) 121,447 75,682 8,989
------------- ------------ ---------
Change in unrealized gains (losses) on investments (327,299) 68,690 311,181
------------- ------------ ---------
Net realized and changes in unrealized gains (losses)
on investments (205,852) 144,372 320,170
------------- ------------ ---------
Net increase (decrease) in net assets
resulting from operations $ (218,162) $ 133,789 $ 323,371
============= ============ =========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
90
PIONEER VCT MID CAP VALUE ROYCE MICRO-CAP
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------- ------------------------
2011 2010 2009 (d) 2011 2010 (b)
----------- -------- ---------- ------------ -----------
$ 1,190 $ 801 $ -- $ 8,331 $ 5,659
----------- -------- ---------- ------------ -----------
550 297 34 1,375 619
----------- -------- ---------- ------------ -----------
550 297 34 1,375 619
----------- -------- ---------- ------------ -----------
640 504 (34) 6,956 5,040
----------- -------- ---------- ------------ -----------
-- -- -- -- --
580 313 32 1,545 197
----------- -------- ---------- ------------ -----------
580 313 32 1,545 197
----------- -------- ---------- ------------ -----------
(11,556) 14,039 2,439 (52,132) 61,964
----------- -------- ---------- ------------ -----------
(10,976) 14,352 2,471 (50,587) 62,161
----------- -------- ---------- ------------ -----------
$(10,336) $ 14,856 $ 2,437 $ (43,631) $ 67,201
=========== ======== ========== ============ ===========
The accompanying notes are an integral part of these financial statements.
91
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
ROYCE SMALL-CAP
INVESTMENT DIVISION
-----------------------------------
2011 2010 2009 (h)
------------ ----------- ----------
INVESTMENT INCOME:
Dividends $ 3,804 $ 425 $ --
------------ ----------- ----------
EXPENSES:
Mortality and expense risk charges 6,407 1,285 57
------------ ----------- ----------
Total expenses 6,407 1,285 57
------------ ----------- ----------
Net investment income (loss) (2,603) (860) (57)
------------ ----------- ----------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions -- -- --
Realized gains (losses) on sale of investments 18,080 2,111 16
------------ ----------- ----------
Net realized gains (losses) 18,080 2,111 16
------------ ----------- ----------
Change in unrealized gains (losses) on investments (64,398) 63,066 2,984
------------ ----------- ----------
Net realized and changes in unrealized gains (losses)
on investments (46,318) 65,177 3,000
------------ ----------- ----------
Net increase (decrease) in net assets
resulting from operations $ (48,921) $ 64,317 $ 2,943
============ =========== ==========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
92
UIF EMERGING MARKETS DEBT UIF EMERGING MARKETS EQUITY
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------- ---------------------------------------
2011 2010 2009 (h) 2011 2010 2009 (h)
---------- ------ -------- ---------- ------------- --------------
$ 7,775 $ 318 $ 74 $ 1,515 $ 758 $ --
---------- ------ -------- ---------- ------------- --------------
1,372 31 6 2,182 520 17
---------- ------ -------- ---------- ------------- --------------
1,372 31 6 2,182 520 17
---------- ------ -------- ---------- ------------- --------------
6,403 287 68 (667) 238 (17)
---------- ------ -------- ---------- ------------- --------------
2,422 -- -- -- -- --
392 87 32 4,478 899 480
---------- ------ -------- ---------- ------------- --------------
2,814 87 32 4,478 899 480
---------- ------ -------- ---------- ------------- --------------
79 318 95 (99,779) 38,992 1,146
---------- ------ -------- ---------- ------------- --------------
2,893 405 127 (95,301) 39,891 1,626
---------- ------ -------- ---------- ------------- --------------
$ 9,296 $ 692 $ 195 $ (95,968) $ 40,129 $ 1,609
========== ====== ======== ========== ============= ==============
The accompanying notes are an integral part of these financial statements.
93
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF OPERATIONS -- (CONCLUDED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
WELLS FARGO VT TOTAL RETURN BOND
INVESTMENT DIVISION
--------------------------------
2011 2010 2009
----------- ----------- --------
INVESTMENT INCOME:
Dividends $ 18,903 $ 29,774 $ 18,789
----------- ----------- --------
EXPENSES:
Mortality and expense risk charges 6,364 6,709 1,892
----------- ----------- --------
Total expenses 6,364 6,709 1,892
----------- ----------- --------
Net investment income (loss) 12,539 23,065 16,897
----------- ----------- --------
NET REALIZED AND CHANGES IN UNREALIZED
GAINS (LOSSES) ON INVESTMENTS:
Realized gain distributions 30,313 23,602 2,046
Realized gains (losses) on sale of investments 15,483 10,857 3,173
----------- ----------- --------
Net realized gains (losses) 45,796 34,459 5,219
----------- ----------- --------
Change in unrealized gains (losses) on investments (7,169) (12,496) 23,526
----------- ----------- --------
Net realized and changes in unrealized gains (losses)
on investments 38,627 21,963 28,745
----------- ----------- --------
Net increase (decrease) in net assets
resulting from operations $ 51,166 $ 45,028 $ 45,642
=========== =========== ========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
94
This page is intentionally left blank.
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
ALLIANCEBERNSTEIN GLOBAL THEMATIC GROWTH
INVESTMENT DIVISION
------------------------------------------
2011 2010 2009
-------------- -------------- ------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ (144,795) $ 1,176 $ (370)
Net realized gains (losses) (40,514) 8,379 (2,773)
Change in unrealized gains (losses) on investments (1,444,286) 1,480 45,397
-------------- -------------- ------------
Net increase (decrease) in net assets resulting
from operations (1,629,595) 11,035 42,254
-------------- -------------- ------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 6,425 1,269 21,200
Net transfers (including fixed account) 5,890,970 (20,468) 29,509
Policy charges (66,201) (1,852) (2,499)
Transfers for policy benefits and terminations (27,392) -- (10,407)
-------------- -------------- ------------
Net increase (decrease) in net assets resulting
from policy transactions 5,803,802 (21,051) 37,803
-------------- -------------- ------------
Net increase (decrease) in net assets 4,174,207 (10,016) 80,057
NET ASSETS:
Beginning of year 119,488 129,504 49,447
-------------- -------------- ------------
End of year $ 4,293,695 $ 119,488 $ 129,504
============== ============== ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
96
ALLIANCEBERNSTEIN INTERMEDIATE BOND ALLIANCEBERNSTEIN INTERNATIONAL VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------- ---------------------------------------
2011 2010 2009 (a) 2011 2010 (b)
-------------- -------------- -------------- ----------------- ---------------------
$ 1,914 $ 2,038 $ 692 $ (49) $ 29
184 2,172 716 175 1
563 (1,393) 2,187 (129) 88
-------------- -------------- -------------- ----------------- ---------------------
2,661 2,817 3,595 (3) 118
-------------- -------------- -------------- ----------------- ---------------------
2,678 3,570 13,019 268 --
-- 9,880 23,126 (1,225) 1,252
(1,310) (1,055) (590) (135) (13)
(8) (255) (10,842) (121) --
-------------- -------------- -------------- ----------------- ---------------------
1,360 12,140 24,713 (1,213) 1,239
-------------- -------------- -------------- ----------------- ---------------------
4,021 14,957 28,308 (1,216) 1,357
43,265 28,308 -- 1,357 --
-------------- -------------- -------------- ----------------- ---------------------
$ 47,286 $ 43,265 $ 28,308 $ 141 $ 1,357
============== ============== ============== ================= =====================
The accompanying notes are an integral part of these financial statements.
97
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
AMERICAN CENTURY VP VISTA
INVESTMENT DIVISION
--------------------------------------
2011 2010 2009
------------- ----------- ------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ (305) $ (519) $ (472)
Net realized gains (losses) 5,995 12,351 (47,927)
Change in unrealized gains (losses) on investments (8,184) (1,947) 67,433
------------- ----------- ------------
Net increase (decrease) in net assets resulting
from operations (2,494) 9,885 19,034
------------- ----------- ------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 11,044 13,202 110,074
Net transfers (including fixed account) (72,025) (83,499) (53,969)
Policy charges (2,026) (2,550) (4,572)
Transfers for policy benefits and terminations -- (9,338) (3,305)
------------- ----------- ------------
Net increase (decrease) in net assets resulting
from policy transactions (63,007) (82,185) 48,228
------------- ----------- ------------
Net increase (decrease) in net assets (65,501) (72,300) 67,262
NET ASSETS:
Beginning of year 74,155 146,455 79,193
------------- ----------- ------------
End of year $ 8,654 $ 74,155 $ 146,455
============= =========== ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
98
AMERICAN FUNDS BOND AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------------- ------------------------------------------------------
2011 2010 2009 2011 2010 2009
-------------- ---------------------- -------------- --------------- ---------------------- ---------------
$ 105,549 $ 94,433 $ 88,860 $ 324,478 $ 538,047 $ (246,097)
10,695 (8,911) (91,981) (68,423) (386,466) (2,366,209)
121,054 122,161 381,938 (13,188,181) 11,810,164 23,159,810
-------------- ---------------------- -------------- --------------- ---------------------- ---------------
237,298 207,683 378,817 (12,932,126) 11,961,745 20,547,504
-------------- ---------------------- -------------- --------------- ---------------------- ---------------
678,665 724,857 777,097 7,605,640 8,529,505 9,330,898
53,187 320,665 (59,617) (1,805,503) (976,366) (1,354,960)
(333,117) (330,299) (371,335) (3,739,239) (4,049,658) (3,968,778)
(265,605) (318,517) (107,448) (4,059,136) (4,114,157) (2,381,130)
-------------- ---------------------- -------------- --------------- ---------------------- ---------------
133,130 396,706 238,697 (1,998,238) (610,676) 1,626,030
-------------- ---------------------- -------------- --------------- ---------------------- ---------------
370,428 604,389 617,514 (14,930,364) 11,351,069 22,173,534
4,365,031 3,760,642 3,143,128 67,405,353 56,054,284 33,880,750
-------------- ---------------------- -------------- --------------- ---------------------- ---------------
$ 4,735,459 $ 4,365,031 $ 3,760,642 $ 52,474,989 $ 67,405,353 $ 56,054,284
============== ====================== ============== =============== ====================== ===============
The accompanying notes are an integral part of these financial statements.
99
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
AMERICAN FUNDS GROWTH
INVESTMENT DIVISION
----------------------------------------------------------
2011 2010 2009
---------------- ------------------------ ----------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $(257,824) $ (121,539) $ (160,985)
Net realized gains (losses) 658,869 (328,082) (1,821,468)
Change in unrealized gains (losses) on investments (6,628,058) 19,817,938 31,985,158
---------------- ------------------------ ----------------
Net increase (decrease) in net assets resulting
from operations (6,227,013) 19,368,317 30,002,705
---------------- ------------------------ ----------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 15,130,932 16,677,167 18,769,815
Net transfers (including fixed account) (1,178,160) (1,005,842) (2,195,305)
Policy charges (8,119,220) (8,182,015) (8,384,980)
Transfers for policy benefits and terminations (8,844,884) (8,617,264) (5,510,035)
---------------- ------------------------ ----------------
Net increase (decrease) in net assets resulting
from policy transactions (3,011,332) (1,127,954) 2,679,495
---------------- ------------------------ ----------------
Net increase (decrease) in net assets (9,238,345) 18,240,363 32,682,200
NET ASSETS:
Beginning of year 127,437,855 109,197,492 76,515,292
---------------- ------------------------ ----------------
End of year $ 118,199,510 $ 127,437,855 $ 109,197,492
================ ======================== ================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
100
AMERICAN FUNDS GROWTH-INCOME AMERICAN FUNDS INTERNATIONAL
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------------- ----------------------------------------
2011 2010 2009 2011 2010 2009
--------------- --------------- --------------- ------------ ------------ --------------
$ 553,773 $ 453,689 $ 446,910 $ 980 $ 3,782 $ 799
(58,726) (336,443) (956,152) (605) (608) 1,537
(2,428,568) 6,948,053 15,943,649 (108,507) 46,566 19,842
--------------- --------------- --------------- ------------ ------------ --------------
(1,933,521) 7,065,299 15,434,407 (108,132) 49,740 22,178
--------------- --------------- --------------- ------------ ------------ --------------
9,556,841 10,334,758 11,825,982 4,120 196,875 22,210
(457,407) (240,405) (1,377,002) (89,752) 113,293 416,930
(5,030,683) (5,117,228) (5,387,634) (8,379) (7,689) (1,457)
(4,739,607) (4,718,644) (3,569,007) (82,771) (7,938) (38,651)
--------------- --------------- --------------- ------------ ------------ --------------
(670,856) 258,481 1,492,339 (176,782) 294,541 399,032
--------------- --------------- --------------- ------------ ------------ --------------
(2,604,377) 7,323,780 16,926,746 (284,914) 344,281 421,210
73,861,194 66,537,414 49,610,668 809,625 465,344 44,134
--------------- --------------- --------------- ------------ ------------ --------------
$ 71,256,817 $ 73,861,194 $ 66,537,414 $ 524,711 $ 809,625 $ 465,344
=============== =============== =============== ============ ============ ==============
The accompanying notes are an integral part of these financial statements.
101
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
AMERICAN FUNDS U.S. GOVERNMENT/AAA-RATED SECURITIES
INVESTMENT DIVISION
------------------------------------------------------
2011 2010 2009
-------------- ---------------------- ----------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 172 $ 87 $ 1,740
Net realized gains (losses) 1,620 643 1,124
Change in unrealized gains (losses) on investments 885 1,804 (1,799)
-------------- ---------------------- ----------------
Net increase (decrease) in net assets resulting
from operations 2,677 2,534 1,065
-------------- ---------------------- ----------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 18,071 7,825 43,406
Net transfers (including fixed account) (2,592) (50,106) 40,706
Policy charges (8,463) (10,089) (8,355)
Transfers for policy benefits and terminations (1,984) (2,565) (21,474)
-------------- ---------------------- ----------------
Net increase (decrease) in net assets resulting
from policy transactions 5,032 (54,935) 54,283
-------------- ---------------------- ----------------
Net increase (decrease) in net assets 7,709 (52,401) 55,348
NET ASSETS:
Beginning of year 37,830 90,231 34,883
-------------- ---------------------- ----------------
End of year $ 45,539 $ 37,830 $ 90,231
============== ====================== ================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
102
DREYFUS VIF INTERNATIONAL VALUE FIDELITY VIP ASSET MANAGER: GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------- --------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ------------ ------------ -------------- -------------- --------------
$ 3,287 $ 2,491 $ 9,269 $ 12,600 $ 7,999 $ 15,866
(960) (14,086) (185,176) 74,260 37,274 (16,185)
(45,726) 19,382 238,024 (205,700) 201,872 427,179
------------ ------------ ------------ -------------- -------------- --------------
(43,399) 7,787 62,117 (118,840) 247,145 426,860
------------ ------------ ------------ -------------- -------------- --------------
1,458 955 28,115 182,388 168,558 240,196
(1,532) (65,938) (85,562) (79,369) (53,668) 256,106
(3,164) (3,082) (8,707) (67,026) (58,088) (64,669)
(766) -- (45,781) (392,245) (120,774) (44,925)
------------ ------------ ------------ -------------- -------------- --------------
(4,004) (68,065) (111,935) (356,252) (63,972) 386,708
------------ ------------ ------------ -------------- -------------- --------------
(47,403) (60,278) (49,818) (475,092) 183,173 813,568
231,464 291,742 341,560 1,905,608 1,722,435 908,867
------------ ------------ ------------ -------------- -------------- --------------
$ 184,061 $ 231,464 $ 291,742 $ 1,430,516 $ 1,905,608 $ 1,722,435
============ ============ ============ ============== ============== ==============
The accompanying notes are an integral part of these financial statements.
103
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
FIDELITY VIP CONTRAFUND
INVESTMENT DIVISION
--------------------------------------------
2011 2010 2009
-------------- -------------- --------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 10,058 $ 9,930 $ 30,836
Net realized gains (losses) 12,745 (217,628) (198,535)
Change in unrealized gains (losses) on investments (98,141) 648,547 1,136,586
-------------- -------------- --------------
Net increase (decrease) in net assets resulting
from operations (75,338) 440,849 968,887
-------------- -------------- --------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 206,289 166,923 431,847
Net transfers (including fixed account) (243,464) (1,821,221) 898,388
Policy charges (93,976) (86,557) (99,153)
Transfers for policy benefits and terminations (319,235) (10,806) (139,114)
-------------- -------------- --------------
Net increase (decrease) in net assets resulting
from policy transactions (450,386) (1,751,661) 1,091,968
-------------- -------------- --------------
Net increase (decrease) in net assets (525,724) (1,310,812) 2,060,855
NET ASSETS:
Beginning of year 2,677,373 3,988,185 1,927,330
-------------- -------------- --------------
End of year $ 2,151,649 $ 2,677,373 $ 3,988,185
============== ============== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
104
FIDELITY VIP EQUITY-INCOME FIDELITY VIP FREEDOM 2010
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------- -----------------------------------
2011 2010 2009 2011 2010 2009
----------- ------------ ------------ ----------- ----------- -----------
$(112) $ 2,489 $ 3,688 $ 576 $ 545 $ 457
2,625 (5,418) (392,905) 1,481 537 (1,656)
(8,921) 31,745 405,695 (2,344) 2,036 3,793
----------- ------------ ------------ ----------- ----------- -----------
(6,408) 28,816 16,478 (287) 3,118 2,594
----------- ------------ ------------ ----------- ----------- -----------
26,285 37,251 60,293 2,823 2,793 1,353
(55,376) (103,500) (169,930) 884 12,520 (12,215)
(4,119) (5,643) (10,922) -- -- --
(144,483) -- (227,954) (1,136) (1,119) (753)
----------- ------------ ------------ ----------- ----------- -----------
(177,693) (71,892) (348,513) 2,571 14,194 (11,615)
----------- ------------ ------------ ----------- ----------- -----------
(184,101) (43,076) (332,035) 2,284 17,312 (9,021)
202,690 245,766 577,801 31,860 14,548 23,569
----------- ------------ ------------ ----------- ----------- -----------
$ 18,589 $ 202,690 $ 245,766 $ 34,144 $ 31,860 $ 14,548
=========== ============ ============ =========== =========== ===========
The accompanying notes are an integral part of these financial statements.
105
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
FIDELITY VIP FREEDOM 2020
INVESTMENT DIVISION
--------------------------------------
2011 2010 2009
------------ ------------ ------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 12,681 $ 12,680 $ 17,181
Net realized gains (losses) 12,805 8,278 (918)
Change in unrealized gains (losses) on investments (33,543) 70,032 149,817
------------ ------------ ------------
Net increase (decrease) in net assets resulting
from operations (8,057) 90,990 166,080
------------ ------------ ------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 12,681 10,953 2,536
Net transfers (including fixed account) 33,211 1,108 449,027
Policy charges (7,830) (7,298) (5,925)
Transfers for policy benefits and terminations (68,993) (5,562) (928)
------------ ------------ ------------
Net increase (decrease) in net assets resulting
from policy transactions (30,931) (799) 444,710
------------ ------------ ------------
Net increase (decrease) in net assets (38,988) 90,191 610,790
NET ASSETS:
Beginning of year 738,702 648,511 37,721
------------ ------------ ------------
End of year $ 699,714 $ 738,702 $ 648,511
============ ============ ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
106
FIDELITY VIP
FIDELITY VIP FREEDOM 2030 FREEDOM 2050
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------ --------------------
2011 2010 2009 2011 (c)
----------- ------------ ----------- -------------------
$ 932 $ 1,654 $ 512 $ 228
11,923 1,390 367 (3,654)
(12,843) 11,839 6,395 1,450
----------- ------------ ----------- -------------------
12 14,883 7,274 (1,976)
----------- ------------ ----------- -------------------
2,634 3,169 1,286 --
(51,129) 62,506 2,573 17,414
(369) (1,042) (28) --
(2,369) (3,063) (754) --
----------- ------------ ----------- -------------------
(51,233) 61,570 3,077 17,414
----------- ------------ ----------- -------------------
(51,221) 76,453 10,351 15,438
108,191 31,738 21,387 --
----------- ------------ ----------- -------------------
$ 56,970 $ 108,191 $ 31,738 $ 15,438
=========== ============ =========== ===================
The accompanying notes are an integral part of these financial statements.
107
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
FIDELITY VIP HIGH INCOME
INVESTMENT DIVISION
----------------------------------
2011 2010 2009 (d)
----------- ---------- -----------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 2,926 $ 310 $ 2,849
Net realized gains (losses) 13 (227) 11
Change in unrealized gains (losses) on investments (1,768) 801 (647)
----------- ---------- -----------
Net increase (decrease) in net assets resulting
from operations 1,171 884 2,213
----------- ---------- -----------
POLICY TRANSACTIONS:
Premium payments received from policy owners 3,335 -- 16,782
Net transfers (including fixed account) 34,562 (36,834) 22,156
Policy charges (330) (252) (236)
Transfers for policy benefits and terminations (80) (148) --
----------- ---------- -----------
Net increase (decrease) in net assets resulting
from policy transactions 37,487 (37,234) 38,702
----------- ---------- -----------
Net increase (decrease) in net assets 38,658 (36,350) 40,915
NET ASSETS:
Beginning of year 4,565 40,915 --
----------- ---------- -----------
End of year $ 43,223 $ 4,565 $ 40,915
=========== ========== ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
108
FIDELITY VIP INVESTMENT GRADE BOND FIDELITY VIP MID CAP
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------- ----------------------------------------
2011 2010 2009 2011 2010 2009
-------------- -------------- -------------- ------------ -------------- ------------
$ 48,188 $ 13,892 $ 10,311 $ (5,575) $ (4,707) $ (23)
21,189 23,465 3,887 12,027 3,104 742
1,742 (13,312) (1,678) (60,535) 83,723 13,131
-------------- -------------- -------------- ------------ -------------- ------------
71,119 24,045 12,520 (54,083) 82,120 13,850
-------------- -------------- -------------- ------------ -------------- ------------
1,122 829 4,336 5,952 95,232 3,949
1,150,764 281,430 183,821 253,173 77,140 192,734
(10,497) (4,910) (4,482) (5,498) (3,824) (835)
-- -- (5,946) (47,617) (4,506) (25,654)
-------------- -------------- -------------- ------------ -------------- ------------
1,141,389 277,349 177,729 206,010 164,042 170,194
-------------- -------------- -------------- ------------ -------------- ------------
1,212,508 301,394 190,249 151,927 246,162 184,044
535,344 233,950 43,701 462,031 215,869 31,825
-------------- -------------- -------------- ------------ -------------- ------------
$ 1,747,852 $ 535,344 $ 233,950 $ 613,958 $ 462,031 $ 215,869
============== ============== ============== ============ ============== ============
The accompanying notes are an integral part of these financial statements.
109
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
FTVIPT MUTUAL GLOBAL DISCOVERY SECURITIES
INVESTMENT DIVISION
-------------------------------------------
2011 2010 2009
------------ --------------- --------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 18,799 $ 7,237 $ 3,112
Net realized gains (losses) 1,929 (4,189) (438,168)
Change in unrealized gains (losses) on investments (59,670) 81,592 609,659
------------ --------------- --------------
Net increase (decrease) in net assets resulting
from operations (38,942) 84,640 174,603
------------ --------------- --------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 53,641 97,464 291,315
Net transfers (including fixed account) 113,146 (79,267) (1,354,085)
Policy charges (20,333) (17,879) (31,930)
Transfers for policy benefits and terminations (291,009) (141) (32,906)
------------ --------------- --------------
Net increase (decrease) in net assets resulting
from policy transactions (144,555) 177 (1,127,606)
------------ --------------- --------------
Net increase (decrease) in net assets (183,497) 84,817 (953,003)
NET ASSETS:
Beginning of year 967,332 882,515 1,835,518
------------ --------------- --------------
End of year $ 783,835 $ 967,332 $ 882,515
============ =============== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
110
FTVIPT TEMPLETON FOREIGN SECURITIES FTVIPT TEMPLETON GLOBAL BOND SECURITIES
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------- ---------------------------------------
2011 2010 2009 2011 2010 2009 (e)
-------------- -------------- -------------- ------------ ------------- ------------
$(22,203) $ (74,871) $ 211,754 $ 9,757 $ (29) $ (4)
253,750 (50,450) (153,389) (11,299) 4,601 5
(552,735) 614,425 2,059,948 (11,949) (171) 239
-------------- -------------- -------------- ------------ ------------- ------------
(321,188) 489,104 2,118,313 (13,491) 4,401 240
-------------- -------------- -------------- ------------ ------------- ------------
379,032 834,212 807,327 38,191 9,303 --
(5,636,582) 220,184 (284,673) 482,861 (9,428) 3,614
(132,125) (165,900) (372,860) (6,561) (736) (140)
(512,046) (68,047) (189,134) (215,383) (3,516) (10)
-------------- -------------- -------------- ------------ ------------- ------------
(5,901,721) 820,449 (39,340) 299,108 (4,377) 3,464
-------------- -------------- -------------- ------------ ------------- ------------
(6,222,909) 1,309,553 2,078,973 285,617 24 3,704
9,244,694 7,935,141 5,856,168 3,728 3,704 --
-------------- -------------- -------------- ------------ ------------- ------------
$ 3,021,785 $ 9,244,694 $ 7,935,141 $ 289,345 $ 3,728 $ 3,704
============== ============== ============== ============ ============= ============
The accompanying notes are an integral part of these financial statements.
111
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
GOLDMAN SACHS MID-CAP VALUE
INVESTMENT DIVISION
------------------------------------------
2011 2010 2009
------------ ------------- ---------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 932 $ 908 $ 2,747
Net realized gains (losses) (27,627) (13,608) (540,331)
Change in unrealized gains (losses) on investments 1,030 84,633 633,578
------------ ------------- ---------------
Net increase (decrease) in net assets resulting
from operations (25,665) 71,933 95,994
------------ ------------- ---------------
POLICY TRANSACTIONS:
Premium payments received from policy owners -- -- --
Net transfers (including fixed account) -- (23,223) (667,539)
Policy charges (7,841) (7,848) (13,708)
Transfers for policy benefits and terminations (65,335) (2,114) (214)
------------ ------------- ---------------
Net increase (decrease) in net assets resulting
from policy transactions (73,176) (33,185) (681,461)
------------ ------------- ---------------
Net increase (decrease) in net assets (98,841) 38,748 (585,467)
NET ASSETS:
Beginning of year 367,089 328,341 913,808
------------ ------------- ---------------
End of year $ 268,248 $ 367,089 $ 328,341
============ ============= ===============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
112
INVESCO V.I.
GOVERNMENT
GOLDMAN SACHS STRUCTURED SMALL CAP EQUITY INVESCO V.I. GLOBAL REAL ESTATE SECURITIES
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------ ------------------------------------------------ -------------------
2011 2010 2009 2011 2010 2009 2011 (f)
--------------- -------------- ----------- -------------- ---------------- ---------------- -------------------
$ 251 $ 100 $ 551 $ 22,923 $ 32,545 $ (5,813) $ (120)
175 (7,335) (17,708) (158,339) (130,047) (698,156) 1,389
(255) 18,632 28,044 (44,519) 289,353 1,038,943 1,336
--------------- -------------- ----------- -------------- ---------------- ---------------- -------------------
171 11,397 10,887 (179,935) 191,851 334,974 2,605
--------------- -------------- ----------- -------------- ---------------- ---------------- -------------------
468 4,077 12,573 18,821 3,708 143,426 --
-- (33,283) 4,125 131,727 (63,773) (367,827) 19,885
(1,631) (1,447) (1,545) (16,626) (14,537) (55,212) (999)
(1) -- (4,928) (60,454) (26,660) (3,924) --
--------------- -------------- ----------- -------------- ---------------- ---------------- -------------------
(1,164) (30,653) 10,225 73,468 (101,262) (283,537) 18,886
--------------- -------------- ----------- -------------- ---------------- ---------------- -------------------
(993) (19,256) 21,112 (106,467) 90,589 51,437 21,491
51,252 70,508 49,396 1,597,111 1,506,522 1,455,085 --
--------------- -------------- ----------- -------------- ---------------- ---------------- -------------------
$ 50,259 $ 51,252 $ 70,508 $ 1,490,644 $ 1,597,111 $ 1,506,522 $ 21,491
=============== ============== =========== ============== ================ ================ ===================
The accompanying notes are an integral part of these financial statements.
113
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
INVESCO V.I. INTERNATIONAL GROWTH
INVESTMENT DIVISION
------------------------------------------
2011 2010 2009 (d)
----------- --------------- --------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 2,260 $ 3,581 $ 213
Net realized gains (losses) 3,888 1,465 34
Change in unrealized gains (losses) on investments (28,330) 26,537 2,258
----------- --------------- --------------
Net increase (decrease) in net assets resulting
from operations (22,182) 31,583 2,505
----------- --------------- --------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 3,175 43,890 --
Net transfers (including fixed account) (26,489) 184,805 16,392
Policy charges (5,587) (4,422) (495)
Transfers for policy benefits and terminations (197,921) (1,805) (42)
----------- --------------- --------------
Net increase (decrease) in net assets resulting
from policy transactions (226,822) 222,468 15,855
----------- --------------- --------------
Net increase (decrease) in net assets (249,004) 254,051 18,360
NET ASSETS:
Beginning of year 272,411 18,360 --
----------- --------------- --------------
End of year $ 23,407 $ 272,411 $ 18,360
=========== =============== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
114
INVESCO V.I. VAN KAMPEN COMSTOCK JANUS ASPEN BALANCED
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------- --------------------------------------------
2011 2010 (g) 2011 2010 2009
------------ ------------------- -------------- -------------- --------------
$ 66 $ -- $ 18,800 $ 30,692 $ 12,907
(127) 53 137,912 26,581 19,174
(6,181) 45 (161,867) 90,252 93,262
------------ ------------------- -------------- -------------- --------------
(6,242) 98 (5,155) 147,525 125,343
------------ ------------------- -------------- -------------- --------------
18,211 -- 105,004 500,783 116,443
148,276 31,986 (679,101) 426,734 1,020,529
(2,267) -- (31,952) (30,577) (15,717)
-- -- (575,867) (8,070) (2,543)
------------ ------------------- -------------- -------------- --------------
164,220 31,986 (1,181,916) 888,870 1,118,712
------------ ------------------- -------------- -------------- --------------
157,978 32,084 (1,187,071) 1,036,395 1,244,055
32,084 -- 2,526,859 1,490,464 246,409
------------ ------------------- -------------- -------------- --------------
$ 190,062 $ 32,084 $ 1,339,788 $ 2,526,859 $ 1,490,464
============ =================== ============== ============== ==============
The accompanying notes are an integral part of these financial statements.
115
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
JANUS ASPEN FORTY
INVESTMENT DIVISION
------------------------------------------
2011 2010 2009
------------ ---------------- ------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $(13,635) $ (14,015) $ (2,048)
Net realized gains (losses) 43,353 14,051 (78,622)
Change in unrealized gains (losses) on investments (117,114) 47,707 310,554
------------ ---------------- ------------
Net increase (decrease) in net assets resulting
from operations (87,396) 47,743 229,884
------------ ---------------- ------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 58,591 190,160 165,769
Net transfers (including fixed account) (237,596) 46,953 209,535
Policy charges (14,197) (16,395) (23,392)
Transfers for policy benefits and terminations (229,034) (6,634) (106,150)
------------ ---------------- ------------
Net increase (decrease) in net assets resulting
from policy transactions (422,236) 214,084 245,762
------------ ---------------- ------------
Net increase (decrease) in net assets (509,632) 261,827 475,646
NET ASSETS:
Beginning of year 1,212,768 950,941 475,295
------------ ---------------- ------------
End of year $ 703,136 $ 1,212,768 $ 950,941
============ ================ ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
116
JANUS ASPEN JANUS JANUS ASPEN OVERSEAS
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------------- ---------------------------------------
2011 2010 2009 2011 2010 2009
------------- ------------------ -------------- ------------ -------------- -----------
$ (31,581) $(153,142) $ 5,686 $ (28,181) $ 792 $ 58
1,561,413 52,158 (31,201) (90,371) 4,218 26,564
(1,416,036) 848,330 1,662,317 (214,175) 62,994 37,885
------------- ------------------ -------------- ------------ -------------- -----------
113,796 747,346 1,636,802 (332,727) 68,004 64,507
------------- ------------------ -------------- ------------ -------------- -----------
6,403 635,005 658,401 17,337 61,601 9,283
(6,850,158) (58,773) 8,858 362,799 175,192 11,467
(52,198) (122,027) (310,790) (27,743) (7,034) (3,624)
(191,751) -- (1,693) (51,382) (4,005) (25,524)
------------- ------------------ -------------- ------------ -------------- -----------
(7,087,704) 454,205 354,776 301,011 225,754 (8,398)
------------- ------------------ -------------- ------------ -------------- -----------
(6,973,908) 1,201,551 1,991,578 (31,716) 293,758 56,109
7,832,002 6,630,451 4,638,873 375,851 82,093 25,984
------------- ------------------ -------------- ------------ -------------- -----------
$ 858,094 $ 7,832,002 $ 6,630,451 $ 344,135 $ 375,851 $ 82,093
============= ================== ============== ============ ============== ===========
The accompanying notes are an integral part of these financial statements.
117
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MFS VIT GLOBAL EQUITY
INVESTMENT DIVISION
--------------------------------------
2011 2010 2009
----------- -------------- -----------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 214 $ 634 $ 1,004
Net realized gains (losses) 12,787 183 (11,994)
Change in unrealized gains (losses) on investments (16,173) 19,523 27,307
----------- -------------- -----------
Net increase (decrease) in net assets resulting
from operations (3,172) 20,340 16,317
----------- -------------- -----------
POLICY TRANSACTIONS:
Premium payments received from policy owners 10,718 28,453 20,456
Net transfers (including fixed account) (180,476) 103,015 (9,035)
Policy charges (1,193) (2,360) (1,544)
Transfers for policy benefits and terminations (47,257) (1,538) (5,469)
----------- -------------- -----------
Net increase (decrease) in net assets resulting
from policy transactions (218,208) 127,570 4,408
----------- -------------- -----------
Net increase (decrease) in net assets (221,380) 147,910 20,725
NET ASSETS:
Beginning of year 226,794 78,884 58,159
----------- -------------- -----------
End of year $ 5,414 $ 226,794 $ 78,884
=========== ============== ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
118
MFS VIT HIGH INCOME MFS VIT NEW DISCOVERY
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------- -------------------------------------------
2011 2010 2009 2011 2010 2009
------------ --------------- ------------ ------------ --------------- --------------
$ 11,578 $ 8,200 $ 660 $ (555) $ (340) $ (27)
361 680 326 18,098 544 1,560
(7,343) 7,331 21,466 (32,906) 28,843 3,314
------------ --------------- ------------ ------------ --------------- --------------
4,596 16,211 22,452 (15,363) 29,047 4,847
------------ --------------- ------------ ------------ --------------- --------------
-- -- 3,777 6,694 8,926 564
-- (706) 90,405 5 94,362 (83)
(1,372) (1,293) (684) (3,864) (2,441) (178)
(22) -- (1,164) -- -- (2,063)
------------ --------------- ------------ ------------ --------------- --------------
(1,394) (1,999) 92,334 2,835 100,847 (1,760)
------------ --------------- ------------ ------------ --------------- --------------
3,202 14,212 114,786 (12,528) 129,894 3,087
132,109 117,897 3,111 134,923 5,029 1,942
------------ --------------- ------------ ------------ --------------- --------------
$ 135,311 $ 132,109 $ 117,897 $ 122,395 $ 134,923 $ 5,029
============ =============== ============ ============ =============== ==============
The accompanying notes are an integral part of these financial statements.
119
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MFS VIT VALUE
INVESTMENT DIVISION
------------------------------------------
2011 2010 2009
----------- --------------- --------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 714 $ 676 $ 546
Net realized gains (losses) (9,686) (552) (1,224)
Change in unrealized gains (losses) on investments 6,173 7,585 14,082
----------- --------------- --------------
Net increase (decrease) in net assets resulting
from operations (2,799) 7,709 13,404
----------- --------------- --------------
POLICY TRANSACTIONS:
Premium payments received from policy owners -- -- --
Net transfers (including fixed account) -- -- --
Policy charges (2,437) (2,613) (2,736)
Transfers for policy benefits and terminations (29,560) (2) (1)
----------- --------------- --------------
Net increase (decrease) in net assets resulting
from policy transactions (31,997) (2,615) (2,737)
----------- --------------- --------------
Net increase (decrease) in net assets (34,796) 5,094 10,667
NET ASSETS:
Beginning of year 79,095 74,001 63,334
----------- --------------- --------------
End of year $ 44,299 $ 79,095 $ 74,001
=========== =============== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
120
MIST AMERICAN FUNDS BALANCED ALLOCATION MIST AMERICAN FUNDS GROWTH ALLOCATION
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------- -------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------- -------------- ------------ --------------- --------------
$ 6,635 $ 3,146 $ -- $ 10,815 $ 2,434 $ --
6,294 1,822 (28) 9,254 5,990 1,298
(23,258) 26,193 14,667 (58,738) 79,550 20,909
------------ ---------------- -------------- ------------ --------------- --------------
(10,329) 31,161 14,639 (38,669) 87,974 22,207
------------ ---------------- -------------- ------------ --------------- --------------
100,111 105,391 30,361 267,061 355,048 87,422
36,239 89,836 167,911 31,086 223,657 36,431
(32,003) (11,710) (9,727) (124,905) (93,195) (24,118)
(5,429) -- (563) (59,628) (2,170) (2,703)
------------ ---------------- -------------- ------------ --------------- --------------
98,918 183,517 187,982 113,614 483,340 97,032
------------ ---------------- -------------- ------------ --------------- --------------
88,589 214,678 202,621 74,945 571,314 119,239
427,406 212,728 10,107 706,300 134,986 15,747
------------ ---------------- -------------- ------------ --------------- --------------
$ 515,995 $ 427,406 $ 212,728 $ 781,245 $ 706,300 $ 134,986
============ ================ ============== ============ =============== ==============
The accompanying notes are an integral part of these financial statements.
121
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST AMERICAN FUNDS MODERATE ALLOCATION
INVESTMENT DIVISION
-------------------------------------------
2011 2010 2009
------------ --------------- --------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 5,453 $ 2,501 $ --
Net realized gains (losses) 3,384 646 370
Change in unrealized gains (losses) on investments (7,233) 16,902 11,101
------------ --------------- --------------
Net increase (decrease) in net assets resulting
from operations 1,604 20,049 11,471
------------ --------------- --------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 153,402 103,657 36,169
Net transfers (including fixed account) 57,534 70,020 57,483
Policy charges (55,936) (37,265) (13,816)
Transfers for policy benefits and terminations (5,092) (2,260) (21)
------------ --------------- --------------
Net increase (decrease) in net assets resulting
from policy transactions 149,908 134,152 79,815
------------ --------------- --------------
Net increase (decrease) in net assets 151,512 154,201 91,286
NET ASSETS:
Beginning of year 250,094 95,893 4,607
------------ --------------- --------------
End of year $ 401,606 $ 250,094 $ 95,893
============ =============== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
122
MIST BLACKROCK LARGE CAP CORE MIST CLARION GLOBAL REAL ESTATE
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------------ ---------------------------------------------------
2011 2010 2009 2011 2010 2009
---------------- ------------------ ------------------ --------------- ----------------- -----------------
$ 1,161,359 $ 1,615,609 $ 2,132,876 $ 668,733 $ 1,391,967 $ 376,681
(4,542,808) (7,248,214) (10,716,690) (421,589) (571,095) (1,092,248)
3,050,880 38,497,976 54,384,062 (1,500,208) 1,969,823 5,493,585
---------------- ------------------ ------------------ --------------- ----------------- -----------------
(330,569) 32,865,371 45,800,248 (1,253,064) 2,790,695 4,778,018
---------------- ------------------ ------------------ --------------- ----------------- -----------------
32,085,988 34,809,861 38,206,877 2,829,699 3,115,895 3,655,037
(2,768,320) (2,767,361) (5,847,879) (266,335) (6,843) (802,883)
(25,373,589) (25,759,862) (26,968,042) (1,318,752) (1,331,035) (1,374,865)
(21,487,307) (21,236,249) (18,412,707) (1,591,725) (1,474,613) (714,297)
---------------- ------------------ ------------------ --------------- ----------------- -----------------
(17,543,228) (14,953,611) (13,021,751) (347,113) 303,404 762,992
---------------- ------------------ ------------------ --------------- ----------------- -----------------
(17,873,797) 17,911,760 32,778,497 (1,600,177) 3,094,099 5,541,010
309,489,536 291,577,776 258,799,279 21,160,564 18,066,465 12,525,455
---------------- ------------------ ------------------ --------------- ----------------- -----------------
$ 291,615,739 $ 309,489,536 $ 291,577,776 $ 19,560,387 $ 21,160,564 $ 18,066,465
================ ================== ================== =============== ================= =================
The accompanying notes are an integral part of these financial statements.
123
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST DREMAN SMALL CAP VALUE
INVESTMENT DIVISION
------------------------------------------------
2011 2010 2009
-------------- ----------------- ---------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 217 $ (48) $ (427)
Net realized gains (losses) 1,124 403 58,177
Change in unrealized gains (losses) on investments (4,058) 3,392 2,844
-------------- ----------------- ---------------
Net increase (decrease) in net assets resulting
from operations (2,717) 3,747 60,594
-------------- ----------------- ---------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 8,977 2,082 412
Net transfers (including fixed account) 6,064 6,849 240,274
Policy charges (3,875) (2,325) (5,500)
Transfers for policy benefits and terminations -- -- (278,764)
-------------- ----------------- ---------------
Net increase (decrease) in net assets resulting
from policy transactions 11,166 6,606 (43,578)
-------------- ----------------- ---------------
Net increase (decrease) in net assets 8,449 10,353 17,016
NET ASSETS:
Beginning of year 27,489 17,136 120
-------------- ----------------- ---------------
End of year $ 35,938 $ 27,489 $ 17,136
============== ================= ===============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
124
MIST HARRIS OAKMARK INTERNATIONAL MIST INVESCO SMALL CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------------- --------------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- ------------------ ----------------- -------------- ------------------ ----------------
$(234,682) $ 343,311 $ 1,418,689 $(36,533) $ (30,507) $ (22,254)
(114,036) (312,283) (1,294,657) 169,309 (15,371) (84,509)
(4,256,535) 4,235,035 8,897,628 (192,641) 887,599 919,328
--------------- ------------------ ----------------- -------------- ------------------ ----------------
(4,605,253) 4,266,063 9,021,660 (59,865) 841,721 812,565
--------------- ------------------ ----------------- -------------- ------------------ ----------------
3,837,373 4,074,673 4,204,850 453,004 471,774 525,764
133,438 669,473 154,538 42,346 164,724 214,625
(1,743,944) (1,796,257) (1,715,379) (231,126) (216,436) (223,502)
(1,949,570) (2,128,605) (1,050,988) (261,290) (184,521) (124,073)
--------------- ------------------ ----------------- -------------- ------------------ ----------------
277,297 819,284 1,593,021 (2,934) 235,541 392,814
--------------- ------------------ ----------------- -------------- ------------------ ----------------
(4,327,956) 5,085,347 10,614,681 (56,931) 1,077,262 1,205,379
31,544,698 26,459,351 15,844,670 4,469,898 3,392,636 2,187,257
--------------- ------------------ ----------------- -------------- ------------------ ----------------
$ 27,216,742 $ 31,544,698 $ 26,459,351 $ 4,412,967 $ 4,469,898 $ 3,392,636
=============== ================== ================= ============== ================== ================
The accompanying notes are an integral part of these financial statements.
125
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST JANUS FORTY
INVESTMENT DIVISION
--------------------------------------------------
2011 2010 2009
--------------- ------------------ ---------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 149,656 $ 119,973 $ (75,162)
Net realized gains (losses) 2,199 (41,591) (540,105)
Change in unrealized gains (losses) on investments (1,278,619) 1,120,682 3,887,171
--------------- ------------------ ---------------
Net increase (decrease) in net assets resulting
from operations (1,126,764) 1,199,064 3,271,904
--------------- ------------------ ---------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 2,050,382 2,241,409 2,031,808
Net transfers (including fixed account) (1,014,538) 410,883 1,027,089
Policy charges (884,372) (908,738) (846,828)
Transfers for policy benefits and terminations (795,086) (788,374) (298,955)
--------------- ------------------ ---------------
Net increase (decrease) in net assets resulting
from policy transactions (643,614) 955,180 1,913,114
--------------- ------------------ ---------------
Net increase (decrease) in net assets (1,770,378) 2,154,244 5,185,018
NET ASSETS:
Beginning of year 14,254,655 12,100,411 6,915,393
--------------- ------------------ ---------------
End of year $ 12,484,277 $ 14,254,655 $ 12,100,411
=============== ================== ===============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
126
MIST LAZARD MID CAP MIST LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------------- -------------------------------------------------
2011 2010 2009 2011 2010 2009
-------------- ----------------- -------------- --------------- ----------------- --------------
$ 7,046 $ 11,435 $ 19,267 $ (80,301) $ (53,638) $ (40,420)
(15,584) (93,933) (283,748) 93,448 (57,251) (166,346)
(320,660) 1,108,654 1,519,608 (217,464) 1,583,027 1,815,976
-------------- ----------------- -------------- --------------- ----------------- --------------
(329,198) 1,026,156 1,255,127 (204,317) 1,472,138 1,609,210
-------------- ----------------- -------------- --------------- ----------------- --------------
665,125 700,574 796,272 1,318,130 897,883 1,020,767
304,589 24,219 (267,754) 5,034,717 (116,646) (178,569)
(345,623) (347,953) (346,321) (725,056) (490,095) (500,322)
(602,339) (387,630) (290,206) (890,256) (464,163) (374,454)
-------------- ----------------- -------------- --------------- ----------------- --------------
21,752 (10,790) (108,009) 4,737,535 (173,021) (32,578)
-------------- ----------------- -------------- --------------- ----------------- --------------
(307,446) 1,015,366 1,147,118 4,533,218 1,299,117 1,576,632
5,585,124 4,569,758 3,422,640 7,832,576 6,533,459 4,956,827
-------------- ----------------- -------------- --------------- ----------------- --------------
$ 5,277,678 $ 5,585,124 $ 4,569,758 $ 12,365,794 $ 7,832,576 $ 6,533,459
============== ================= ============== =============== ================= ==============
The accompanying notes are an integral part of these financial statements.
127
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST LORD ABBETT BOND DEBENTURE
INVESTMENT DIVISION
----------------------------------------------------
2011 2010 2009
--------------- ------------------ -----------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 1,356,223 $ 1,402,246 $ 1,391,406
Net realized gains (losses) 583,376 240,525 (126,749)
Change in unrealized gains (losses) on investments (863,576) 1,315,427 5,411,601
--------------- ------------------ -----------------
Net increase (decrease) in net assets resulting
from operations 1,076,023 2,958,198 6,676,258
--------------- ------------------ -----------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 2,158,065 2,523,009 2,703,439
Net transfers (including fixed account) (2,168,860) (548,415) 2,036,045
Policy charges (1,487,874) (1,509,898) (1,703,902)
Transfers for policy benefits and terminations (1,520,091) (1,782,906) (1,226,776)
--------------- ------------------ -----------------
Net increase (decrease) in net assets resulting
from policy transactions (3,018,760) (1,318,210) 1,808,806
--------------- ------------------ -----------------
Net increase (decrease) in net assets (1,942,737) 1,639,988 8,485,064
NET ASSETS:
Beginning of year 27,673,730 26,033,742 17,548,678
--------------- ------------------ -----------------
End of year $ 25,730,993 $ 27,673,730 $ 26,033,742
=============== ================== =================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
128
MIST LORD ABBETT MID CAP VALUE MIST MET/FRANKLIN INCOME
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------------- ---------------------------------------------
2011 2010 2009 2011 2010 2009
-------------- ----------------- -------------- ------------ ----------------- --------------
$ 166 $ 199 $ 1,558 $ 8,323 $ 3,216 $ --
818 3,236 (38,897) 5,705 823 54
(5,510) 19,769 57,059 (8,507) 10,272 9,507
-------------- ----------------- -------------- ------------ ----------------- --------------
(4,526) 23,204 19,720 5,521 14,311 9,561
-------------- ----------------- -------------- ------------ ----------------- --------------
5,506 6,334 75,266 44,198 28,894 13,515
11,792 (18,047) (77,923) 67,493 66,675 19,688
(3,104) (3,822) (4,803) (23,591) (12,613) (6,238)
-- -- (590) (7,430) (1,480) (482)
-------------- ----------------- -------------- ------------ ----------------- --------------
14,194 (15,535) (8,050) 80,670 81,476 26,483
-------------- ----------------- -------------- ------------ ----------------- --------------
9,668 7,669 11,670 86,191 95,787 36,044
111,190 103,521 91,851 151,292 55,505 19,461
-------------- ----------------- -------------- ------------ ----------------- --------------
$ 120,858 $ 111,190 $ 103,521 $ 237,483 $ 151,292 $ 55,505
============== ================= ============== ============ ================= ==============
The accompanying notes are an integral part of these financial statements.
129
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST MET/FRANKLIN MUTUAL SHARES
INVESTMENT DIVISION
--------------------------------------------
2011 2010 2009
-------------- -------------- --------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 1,982 $ -- $ --
Net realized gains (losses) 4,102 683 (91)
Change in unrealized gains (losses) on investments (6,478) 4,077 4,710
-------------- -------------- --------------
Net increase (decrease) in net assets resulting
from operations (394) 4,760 4,619
-------------- -------------- --------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 18,290 13,024 8,704
Net transfers (including fixed account) 18,465 22,360 6,499
Policy charges (9,290) (6,571) (3,313)
Transfers for policy benefits and terminations (4,200) (811) (293)
-------------- -------------- --------------
Net increase (decrease) in net assets resulting
from policy transactions 23,265 28,002 11,597
-------------- -------------- --------------
Net increase (decrease) in net assets 22,871 32,762 16,216
NET ASSETS:
Beginning of year 57,042 24,280 8,064
-------------- -------------- --------------
End of year $ 79,913 $ 57,042 $ 24,280
============== ============== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
130
MIST MET/FRANKLIN TEMPLETON FOUNDING STRATEGY MIST MET/TEMPLETON GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------- ------------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ------------------ ------------- -------------- ---------------- ----------------
$ 5,031 $ -- $ -- $ 792 $ 305 $ 2
2,290 1,546 565 371 125 (60)
(10,599) 23,230 14,572 (5,463) 3,904 3,117
------------ ------------------ ------------- -------------- ---------------- ----------------
(3,278) 24,776 15,137 (4,300) 4,334 3,059
------------ ------------------ ------------- -------------- ---------------- ----------------
25,042 25,504 18,400 18,937 18,420 14,327
2,199 21,917 159,413 2,912 12,049 2,568
(8,412) (6,972) (7,871) (6,419) (5,335) (3,419)
(19) -- (705) (6,096) (173) (526)
------------ ------------------ ------------- -------------- ---------------- ----------------
18,810 40,449 169,237 9,334 24,961 12,950
------------ ------------------ ------------- -------------- ---------------- ----------------
15,532 65,225 184,374 5,034 29,295 16,009
260,280 195,055 10,681 48,492 19,197 3,188
------------ ------------------ ------------- -------------- ---------------- ----------------
$ 275,812 $ 260,280 $ 195,055 $ 53,526 $ 48,492 $ 19,197
============ ================== ============= ============== ================ ================
The accompanying notes are an integral part of these financial statements.
131
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST MFS
MIST METLIFE EMERGING
AGGRESSIVE STRATEGY MARKETS EQUITY
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------- ----------------------
2011 (f) 2011 (f)
---------------------- ----------------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $(77,007) $ (788)
Net realized gains (losses) (117,896) (70)
Change in unrealized gains (losses) on investments (1,834,063) (3,209)
---------------------- ----------------------
Net increase (decrease) in net assets resulting
from operations (2,028,966) (4,067)
---------------------- ----------------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 1,640,701 3,938
Net transfers (including fixed account) 14,330,838 23,265
Policy charges (611,481) (123)
Transfers for policy benefits and terminations (858,431) (63)
---------------------- ----------------------
Net increase (decrease) in net assets resulting
from policy transactions 14,501,627 27,017
---------------------- ----------------------
Net increase (decrease) in net assets 12,472,661 22,950
NET ASSETS:
Beginning of year -- --
---------------------- ----------------------
End of year $ 12,472,661 $ 22,950
====================== ======================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
132
MIST MFS RESEARCH INTERNATIONAL MIST MORGAN STANLEY MID CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------------------- ------------------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- ---------------------- ----------------- ---------------- ---------------------- --------------
$ 176,806 $ 134,233 $ 280,264 $ 16,206 $ (957,593) $ (870)
(233,782) (545,005) (1,024,253) 7,856,152 336,382 1,780
(1,480,693) 1,743,808 3,897,065 (21,552,444) 31,775,159 75,648
--------------- ---------------------- ----------------- ---------------- ---------------------- --------------
(1,537,669) 1,333,036 3,153,076 (13,680,086) 31,153,948 76,558
--------------- ---------------------- ----------------- ---------------- ---------------------- --------------
1,640,050 1,870,809 2,210,375 22,486,193 16,409,129 13,014
51,977 (766,625) (550,815) (4,111,245) 174,856,480 208,259
(767,791) (802,613) (902,498) (14,405,421) (9,530,730) (2,906)
(1,130,486) (892,543) (545,950) (15,693,955) (9,440,323) (5,098)
--------------- ---------------------- ----------------- ---------------- ---------------------- --------------
(206,250) (590,972) 211,112 (11,724,428) 172,294,556 213,269
--------------- ---------------------- ----------------- ---------------- ---------------------- --------------
(1,743,919) 742,064 3,364,188 (25,404,514) 203,448,504 289,827
13,920,818 13,178,754 9,814,566 203,754,931 306,427 16,600
--------------- ---------------------- ----------------- ---------------- ---------------------- --------------
$ 12,176,899 $ 13,920,818 $ 13,178,754 $ 178,350,417 $ 203,754,931 $ 306,427
=============== ====================== ================= ================ ====================== ==============
The accompanying notes are an integral part of these financial statements.
133
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST OPPENHEIMER CAPITAL APPRECIATION
INVESTMENT DIVISION
-----------------------------------------------------
2011 2010 2009
-------------- ---------------------- ---------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ (7,998) $ (2,663) $ (10,277)
Net realized gains (losses) (25,379) (39,996) (109,001)
Change in unrealized gains (losses) on investments 5,975 190,578 558,202
-------------- ---------------------- ---------------
Net increase (decrease) in net assets resulting
from operations (27,402) 147,919 438,924
-------------- ---------------------- ---------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 291,580 304,670 338,372
Net transfers (including fixed account) (65,330) (75,809) 205,296
Policy charges (118,108) (119,410) (126,102)
Transfers for policy benefits and terminations (125,516) (109,397) (66,149)
-------------- ---------------------- ---------------
Net increase (decrease) in net assets resulting
from policy transactions (17,374) 54 351,417
-------------- ---------------------- ---------------
Net increase (decrease) in net assets (44,776) 147,973 790,341
NET ASSETS:
Beginning of year 1,779,611 1,631,638 841,297
-------------- ---------------------- ---------------
End of year $ 1,734,835 $ 1,779,611 $ 1,631,638
============== ====================== ===============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
134
MIST PIMCO INFLATION PROTECTED BOND MIST PIMCO TOTAL RETURN
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------------- ---------------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- ----------------- ---------------- --------------- ------------------- ---------------
$ 95,195 $ 146,674 $ 194,864 $ 975,512 $ 1,273,636 $ 2,452,300
525,047 281,279 (46,474) 1,634,121 474,495 1,576,841
331,187 130,473 877,182 (1,410,547) 1,426,113 1,911,046
--------------- ----------------- ---------------- --------------- ------------------- ---------------
951,429 558,426 1,025,572 1,199,086 3,174,244 5,940,187
--------------- ----------------- ---------------- --------------- ------------------- ---------------
1,244,015 1,208,996 1,284,337 5,110,970 5,334,220 5,672,803
671,186 587,680 842,827 1,024,517 3,101,158 2,447,477
(631,840) (577,592) (561,645) (3,110,778) (3,135,341) (3,246,181)
(527,827) (699,416) (379,813) (3,694,178) (3,692,336) (3,035,028)
--------------- ----------------- ---------------- --------------- ------------------- ---------------
755,534 519,668 1,185,706 (669,469) 1,607,701 1,839,071
--------------- ----------------- ---------------- --------------- ------------------- ---------------
1,706,963 1,078,094 2,211,278 529,617 4,781,945 7,779,258
8,812,538 7,734,444 5,523,166 46,602,262 41,820,317 34,041,059
--------------- ----------------- ---------------- --------------- ------------------- ---------------
$ 10,519,501 $ 8,812,538 $ 7,734,444 $ 47,131,879 $ 46,602,262 $ 41,820,317
=============== ================= ================ =============== =================== ===============
The accompanying notes are an integral part of these financial statements.
135
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST PIONEER FUND
INVESTMENT DIVISION
-----------------------------------------
2011 2010 2009 (e)
------------ --------------- ------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 1,519 $ 1,005 $ (580)
Net realized gains (losses) 21,102 6,067 1,986
Change in unrealized gains (losses) on investments (30,602) 25,716 48,304
------------ --------------- ------------
Net increase (decrease) in net assets resulting
from operations (7,981) 32,788 49,710
------------ --------------- ------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 5,551 4,871 9,778
Net transfers (including fixed account) (1,284) (26,206) 197,145
Policy charges (3,877) (4,729) (2,535)
Transfers for policy benefits and terminations (61,915) -- (14,962)
------------ --------------- ------------
Net increase (decrease) in net assets resulting
from policy transactions (61,525) (26,064) 189,426
------------ --------------- ------------
Net increase (decrease) in net assets (69,506) 6,724 239,136
NET ASSETS:
Beginning of year 245,860 239,136 --
------------ --------------- ------------
End of year $ 176,354 $ 245,860 $ 239,136
============ =============== ============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
136
MIST RCM TECHNOLOGY MIST SSGA GROWTH AND INCOME ETF
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------------- -------------------------------------------------
2011 2010 2009 2011 2010 2009
-------------- ---------------- --------------- -------------- ----------------- ----------------
$(125,028) $ (111,175) $ (82,504) $ 41,408 $ 12,293 $ 6,273
512,571 (54,192) (600,648) 123,633 16,158 3,801
(1,944,446) 3,551,862 5,182,655 (151,325) 322,318 204,020
-------------- ---------------- --------------- -------------- ----------------- ----------------
(1,556,903) 3,386,495 4,499,503 13,716 350,769 214,094
-------------- ---------------- --------------- -------------- ----------------- ----------------
1,591,820 1,602,041 1,674,647 610,076 471,109 200,034
(740,109) 7,146 1,430,181 653,921 1,821,735 921,708
(964,790) (958,684) (886,510) (249,515) (188,226) (67,668)
(1,227,369) (1,144,160) (618,269) (235,978) (217,589) (23,508)
-------------- ---------------- --------------- -------------- ----------------- ----------------
(1,340,448) (493,657) 1,600,049 778,504 1,887,029 1,030,566
-------------- ---------------- --------------- -------------- ----------------- ----------------
(2,897,351) 2,892,838 6,099,552 792,220 2,237,798 1,244,660
16,113,886 13,221,048 7,121,496 3,818,907 1,581,109 336,449
-------------- ---------------- --------------- -------------- ----------------- ----------------
$ 13,216,535 $ 16,113,886 $ 13,221,048 $ 4,611,127 $ 3,818,907 $ 1,581,109
============== ================ =============== ============== ================= ================
The accompanying notes are an integral part of these financial statements.
137
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST SSGA GROWTH ETF
INVESTMENT DIVISION
------------------------------------------------
2011 2010 2009
-------------- ------------------ --------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 31,155 $ 16,282 $ 7,006
Net realized gains (losses) 63,035 12,378 (20,730)
Change in unrealized gains (losses) on investments (183,850) 271,601 309,775
-------------- ------------------ --------------
Net increase (decrease) in net assets resulting
from operations (89,660) 300,261 296,051
-------------- ------------------ --------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 473,918 426,740 229,022
Net transfers (including fixed account) 671,574 479,704 921,197
Policy charges (187,333) (144,844) (75,749)
Transfers for policy benefits and terminations (238,362) (171,487) (38,845)
-------------- ------------------ --------------
Net increase (decrease) in net assets resulting
from policy transactions 719,797 590,113 1,035,625
-------------- ------------------ --------------
Net increase (decrease) in net assets 630,137 890,374 1,331,676
NET ASSETS:
Beginning of year 2,679,381 1,789,007 457,331
-------------- ------------------ --------------
End of year $ 3,309,518 $ 2,679,381 $ 1,789,007
============== ================== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
138
MIST T. ROWE PRICE LARGE CAP VALUE MIST T. ROWE PRICE MID CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- -----------------------------------------------------
2011 2010 2009 2011 2010 2009
-------------- ----------------- ---------------- --------------- ------------------- -----------------
$ (14,587) $ (69,544) $ 86,241 $ (314,304) $ (150,122) $ (115,483)
(435,260) (79,021) (261,167) 872,771 131,367 (381,122)
577,510 921,874 894,542 (1,837,318) 4,580,355 5,596,487
-------------- ----------------- ---------------- --------------- ------------------- -----------------
127,663 773,309 719,616 (1,278,581) 4,561,600 5,099,882
-------------- ----------------- ---------------- --------------- ------------------- -----------------
4,938 427,886 455,197 2,194,867 2,269,288 2,540,664
(4,150,820) (66,707) (56,090) 5,978,566 264,028 (25,606)
(22,272) (66,379) (175,840) (1,281,123) (1,184,611) (1,208,476)
(1,102,016) (7,059) (15,683) (1,643,740) (1,448,078) (796,500)
-------------- ----------------- ---------------- --------------- ------------------- -----------------
(5,270,170) 287,741 207,584 5,248,570 (99,373) 510,082
-------------- ----------------- ---------------- --------------- ------------------- -----------------
(5,142,507) 1,061,050 927,200 3,969,719 4,462,227 5,609,964
6,224,061 5,163,011 4,235,811 21,234,908 16,772,681 11,162,717
-------------- ----------------- ---------------- --------------- ------------------- -----------------
$ 1,081,554 $ 6,224,061 $ 5,163,011 $ 25,204,627 $ 21,234,908 $ 16,772,681
============== ================= ================ =============== =================== =================
The accompanying notes are an integral part of these financial statements.
139
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MIST THIRD AVENUE SMALL CAP VALUE
INVESTMENT DIVISION
--------------------------------------------
2011 2010 2009
------------ ---------------- --------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ (738) $ 1,081 $ 839
Net realized gains (losses) 86,881 42,370 (14,175)
Change in unrealized gains (losses) on investments (240,493) 198,929 152,916
------------ ---------------- --------------
Net increase (decrease) in net assets resulting
from operations (154,350) 242,380 139,580
------------ ---------------- --------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 28,968 152,265 57,631
Net transfers (including fixed account) (400,494) 298,003 486,247
Policy charges (18,468) (17,684) (12,877)
Transfers for policy benefits and terminations (225,194) (369) (13,418)
------------ ---------------- --------------
Net increase (decrease) in net assets resulting
from policy transactions (615,188) 432,215 517,583
------------ ---------------- --------------
Net increase (decrease) in net assets (769,538) 674,595 657,163
NET ASSETS:
Beginning of year 1,575,589 900,994 243,831
------------ ---------------- --------------
End of year $ 806,051 $ 1,575,589 $ 900,994
============ ================ ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
140
MSF ARTIO INTERNATIONAL STOCK MSF BARCLAYS CAPITAL AGGREGATE BOND INDEX
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------------------- -----------------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- ------------------- ----------------- ---------------- ------------------- ----------------
$ 411,074 $ 312,234 $ (49,120) $ 3,008,471 $ 3,134,920 $ 5,177,513
(808,593) (1,030,425) (2,053,375) 843,640 613,564 195,723
(8,900,342) 3,370,719 10,298,349 3,276,276 1,607,603 (1,139,158)
--------------- ------------------- ----------------- ---------------- ------------------- ----------------
(9,297,861) 2,652,528 8,195,854 7,128,387 5,356,087 4,234,078
--------------- ------------------- ----------------- ---------------- ------------------- ----------------
4,892,915 5,258,777 5,947,335 12,546,475 13,651,933 15,575,764
100,755 (592,663) (1,694,751) (5,035,008) 4,296,224 5,185,787
(3,012,276) (3,227,781) (3,532,211) (7,661,064) (7,836,195) (8,703,722)
(2,530,848) (3,487,847) (2,746,693) (12,699,958) (7,334,933) (6,465,006)
--------------- ------------------- ----------------- ---------------- ------------------- ----------------
(549,454) (2,049,514) (2,026,320) (12,849,555) 2,777,029 5,592,823
--------------- ------------------- ----------------- ---------------- ------------------- ----------------
(9,847,315) 603,014 6,169,534 (5,721,168) 8,133,116 9,826,901
45,766,876 45,163,862 38,994,328 114,484,755 106,351,639 96,524,738
--------------- ------------------- ----------------- ---------------- ------------------- ----------------
$ 35,919,561 $ 45,766,876 $ 45,163,862 $ 108,763,587 $ 114,484,755 $ 106,351,639
=============== =================== ================= ================ =================== ================
The accompanying notes are an integral part of these financial statements.
141
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF BLACKROCK AGGRESSIVE GROWTH
INVESTMENT DIVISION
-------------------------------------------------------
2011 2010 2009
---------------- ------------------- ------------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ (1,230,852) $ (1,491,228) $ (1,057,460)
Net realized gains (losses) 2,544,325 451,106 (3,328,441)
Change in unrealized gains (losses) on investments (8,863,059) 26,312,677 66,805,065
---------------- ------------------- ------------------
Net increase (decrease) in net assets resulting
from operations (7,549,586) 25,272,555 62,419,164
---------------- ------------------- ------------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 17,102,384 18,632,365 20,361,017
Net transfers (including fixed account) 3,214,026 (3,158,688) (3,469,034)
Policy charges (13,648,373) (13,928,346) (14,222,944)
Transfers for policy benefits and terminations (14,269,181) (14,208,996) (11,832,605)
---------------- ------------------- ------------------
Net increase (decrease) in net assets resulting
from policy transactions (7,601,144) (12,663,665) (9,163,566)
---------------- ------------------- ------------------
Net increase (decrease) in net assets (15,150,730) 12,608,890 53,255,598
NET ASSETS:
Beginning of year 200,141,525 187,532,635 134,277,037
---------------- ------------------- ------------------
End of year $ 184,990,795 $ 200,141,525 $ 187,532,635
================ =================== ==================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
142
MSF BLACKROCK BOND INCOME MSF BLACKROCK DIVERSIFIED
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------------- ------------------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- ------------------ ----------------- ---------------- -------------------- ----------------
$ 2,652,269 $ 2,669,950 $ 5,080,494 $ 4,087,929 $ 2,653,340 $ 10,169,948
132,024 24,746 (553,787) (191,522) (1,951,136) (4,609,576)
1,930,533 3,372,816 2,142,811 3,658,514 20,635,275 31,028,944
--------------- ------------------ ----------------- ---------------- -------------------- ----------------
4,714,826 6,067,512 6,669,518 7,554,921 21,337,479 36,589,316
--------------- ------------------ ----------------- ---------------- -------------------- ----------------
7,828,777 8,520,413 9,587,028 27,879,758 29,469,771 32,386,040
(1,265,327) 406,620 (2,591,044) (878,239) (2,059,076) (4,711,176)
(6,239,953) (6,604,181) (7,385,796) (23,064,453) (23,701,241) (25,234,205)
(5,835,954) (5,946,761) (5,845,823) (19,040,111) (19,336,433) (17,354,140)
--------------- ------------------ ----------------- ---------------- -------------------- ----------------
(5,512,457) (3,623,909) (6,235,635) (15,103,045) (15,626,979) (14,913,481)
--------------- ------------------ ----------------- ---------------- -------------------- ----------------
(797,631) 2,443,603 433,883 (7,548,124) 5,710,500 21,675,835
84,862,836 82,419,233 81,985,350 263,102,316 257,391,816 235,715,981
--------------- ------------------ ----------------- ---------------- -------------------- ----------------
$ 84,065,205 $ 84,862,836 $ 82,419,233 $ 255,554,192 $ 263,102,316 $ 257,391,816
=============== ================== ================= ================ ==================== ================
The accompanying notes are an integral part of these financial statements.
143
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF BLACKROCK LARGE CAP VALUE
INVESTMENT DIVISION
----------------------------------------------------
2011 2010 2009
--------------- ------------------ ----------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 43,646 $ 27,035 $ 73,451
Net realized gains (losses) (80,782) (263,466) (513,587)
Change in unrealized gains (losses) on investments 254,349 1,265,453 1,615,283
--------------- ------------------ ----------------
Net increase (decrease) in net assets resulting
from operations 217,213 1,029,022 1,175,147
--------------- ------------------ ----------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 1,997,147 2,157,901 2,432,547
Net transfers (including fixed account) 22,211 (183,197) 29,524
Policy charges (867,088) (871,019) (969,741)
Transfers for policy benefits and terminations (955,568) (957,459) (514,960)
--------------- ------------------ ----------------
Net increase (decrease) in net assets resulting
from policy transactions 196,702 146,226 977,370
--------------- ------------------ ----------------
Net increase (decrease) in net assets 413,915 1,175,248 2,152,517
NET ASSETS:
Beginning of year 12,899,137 11,723,889 9,571,372
--------------- ------------------ ----------------
End of year $ 13,313,052 $ 12,899,137 $ 11,723,889
=============== ================== ================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
144
MSF BLACKROCK LEGACY LARGE CAP GROWTH MSF BLACKROCK MONEY MARKET
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- ------------------------------------------------------
2011 2010 2009 2011 2010 2009
-------------- ----------------- ---------------- --------------- ------------------- ------------------
$ (46,620) $ (38,770) $ (5,579) $ (161,149) $ (300,906) $ (11,349)
137,813 75,641 (146,284) -- -- --
(879,158) 1,107,022 1,684,656 -- -- --
-------------- ----------------- ---------------- --------------- ------------------- ------------------
(787,965) 1,143,893 1,532,793 (161,149) (300,906) (11,349)
-------------- ----------------- ---------------- --------------- ------------------- ------------------
1,133,989 1,127,304 1,097,152 6,905,158 14,816,043 8,264,492
1,403,176 39,075 217,819 (10,656,392) (13,160,154) (31,859,828)
(514,429) (499,832) (460,694) (1,109,422) (1,340,285) (1,914,002)
(1,189,484) (438,412) (223,463) (4,013,323) (5,424,880) (2,515,809)
-------------- ----------------- ---------------- --------------- ------------------- ------------------
833,252 228,135 630,814 (8,873,979) (5,109,276) (28,025,147)
-------------- ----------------- ---------------- --------------- ------------------- ------------------
45,287 1,372,028 2,163,607 (9,035,128) (5,410,182) (28,036,496)
7,322,523 5,950,495 3,786,888 29,818,336 35,228,518 63,265,014
-------------- ----------------- ---------------- --------------- ------------------- ------------------
$ 7,367,810 $ 7,322,523 $ 5,950,495 $ 20,783,208 $ 29,818,336 $ 35,228,518
============== ================= ================ =============== =================== ==================
The accompanying notes are an integral part of these financial statements.
145
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF DAVIS VENTURE VALUE
INVESTMENT DIVISION
-------------------------------------------------
2011 2010 2009
--------------- ----------------- ---------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 210,852 $ 89,335 $ 312,737
Net realized gains (losses) 492,146 191,969 (723,952)
Change in unrealized gains (losses) on investments (3,392,027) 5,562,556 12,907,686
--------------- ----------------- ---------------
Net increase (decrease) in net assets resulting
from operations (2,689,029) 5,843,860 12,496,471
--------------- ----------------- ---------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 7,273,891 8,027,444 9,217,297
Net transfers (including fixed account) 33,336 (908,212) (601,386)
Policy charges (3,741,905) (3,883,974) (4,013,443)
Transfers for policy benefits and terminations (5,136,119) (3,941,742) (2,327,459)
--------------- ----------------- ---------------
Net increase (decrease) in net assets resulting
from policy transactions (1,570,797) (706,484) 2,275,009
--------------- ----------------- ---------------
Net increase (decrease) in net assets (4,259,826) 5,137,376 14,771,480
NET ASSETS:
Beginning of year 57,910,618 52,773,242 38,001,762
--------------- ----------------- ---------------
End of year $ 53,650,792 $ 57,910,618 $ 52,773,242
=============== ================= ===============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
146
MSF FI VALUE LEADERS MSF JENNISON GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
----------------------------------------------- --------------------------------------------------
2011 2010 2009 2011 2010 2009
-------------- ----------------- -------------- --------------- ------------------ ---------------
$ 19,109 $ 42,314 $ 90,114 $ (66,983) $ (33,604) $ (75,210)
(99,840) (145,291) (259,906) 251,119 17,747 (140,559)
(347,209) 885,079 1,128,894 (215,551) 1,535,759 4,015,386
-------------- ----------------- -------------- --------------- ------------------ ---------------
(427,940) 782,102 959,102 (31,415) 1,519,902 3,799,617
-------------- ----------------- -------------- --------------- ------------------ ---------------
906,978 997,133 1,137,076 1,444,160 1,601,194 1,719,206
107,098 41,388 (112,167) (43,841) 598,866 (143,027)
(436,787) (451,311) (473,372) (938,887) (946,786) (963,364)
(572,452) (361,541) (254,916) (1,671,932) (838,122) (752,854)
-------------- ----------------- -------------- --------------- ------------------ ---------------
4,837 225,669 296,621 (1,210,500) 415,152 (140,039)
-------------- ----------------- -------------- --------------- ------------------ ---------------
(423,103) 1,007,771 1,255,723 (1,241,915) 1,935,054 3,659,578
6,488,932 5,481,161 4,225,438 15,408,401 13,473,347 9,813,769
-------------- ----------------- -------------- --------------- ------------------ ---------------
$ 6,065,829 $ 6,488,932 $ 5,481,161 $ 14,166,486 $ 15,408,401 $ 13,473,347
============== ================= ============== =============== ================== ===============
The accompanying notes are an integral part of these financial statements.
147
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF LOOMIS SAYLES SMALL CAP CORE
INVESTMENT DIVISION
----------------------------------------------------
2011 2010 2009
--------------- ------------------ -----------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ (116,937) $ (112,605) $ (66,505)
Net realized gains (losses) 258,722 (55,224) (439,969)
Change in unrealized gains (losses) on investments (166,265) 4,065,140 3,809,050
--------------- ------------------ -----------------
Net increase (decrease) in net assets resulting
from operations (24,480) 3,897,311 3,302,576
--------------- ------------------ -----------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 1,937,235 2,076,395 2,435,828
Net transfers (including fixed account) (342,656) (491,792) (114,204)
Policy charges (1,066,229) (1,025,327) (1,044,037)
Transfers for policy benefits and terminations (1,342,670) (999,217) (789,008)
--------------- ------------------ -----------------
Net increase (decrease) in net assets resulting
from policy transactions (814,320) (439,941) 488,579
--------------- ------------------ -----------------
Net increase (decrease) in net assets (838,800) 3,457,370 3,791,155
NET ASSETS:
Beginning of year 18,282,784 14,825,414 11,034,259
--------------- ------------------ -----------------
End of year $ 17,443,984 $ 18,282,784 $ 14,825,414
=============== ================== =================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
148
MSF LOOMIS SAYLES SMALL CAP GROWTH MSF MET/ARTISAN MID CAP VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------------- -----------------------------------------------------
2011 2010 2009 2011 2010 2009
-------------- ------------------ ---------------- --------------- ------------------- -----------------
$(65,916) $ (51,755) $ (39,304) $ 60,419 $ (47,745) $ 94,579
104,198 (47,680) (219,528) (412,007) (887,093) (2,074,439)
121,090 1,843,398 1,519,136 3,096,938 6,661,231 14,134,862
-------------- ------------------ ---------------- --------------- ------------------- -----------------
159,372 1,743,963 1,260,304 2,745,350 5,726,393 12,155,002
-------------- ------------------ ---------------- --------------- ------------------- -----------------
919,698 919,140 988,520 5,738,107 6,389,633 7,222,155
627,796 81,273 (173,065) (545,207) (144,561) (2,763,216)
(484,566) (421,055) (408,126) (3,144,705) (3,135,232) (3,172,696)
(472,962) (486,248) (281,193) (4,205,697) (3,307,007) (2,344,946)
-------------- ------------------ ---------------- --------------- ------------------- -----------------
589,966 93,110 126,136 (2,157,502) (197,167) (1,058,703)
-------------- ------------------ ---------------- --------------- ------------------- -----------------
749,338 1,837,073 1,386,440 587,848 5,529,226 11,096,299
7,430,441 5,593,368 4,206,928 46,601,141 41,071,915 29,975,616
-------------- ------------------ ---------------- --------------- ------------------- -----------------
$ 8,179,779 $ 7,430,441 $ 5,593,368 $ 47,188,989 $ 46,601,141 $ 41,071,915
============== ================== ================ =============== =================== =================
The accompanying notes are an integral part of these financial statements.
149
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF METLIFE CONSERVATIVE ALLOCATION
INVESTMENT DIVISION
--------------------------------------------------
2011 2010 2009
-------------- ------------------ ----------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 68,584 $ 80,267 $ 42,263
Net realized gains (losses) 77,218 46,459 5,727
Change in unrealized gains (losses) on investments (37,275) 119,161 276,504
-------------- ------------------ ----------------
Net increase (decrease) in net assets resulting
from operations 108,527 245,887 324,494
-------------- ------------------ ----------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 485,812 467,696 374,777
Net transfers (including fixed account) 943,856 1,892,409 493,401
Policy charges (360,205) (296,178) (222,010)
Transfers for policy benefits and terminations (843,231) (461,555) (132,555)
-------------- ------------------ ----------------
Net increase (decrease) in net assets resulting
from policy transactions 226,232 1,602,372 513,613
-------------- ------------------ ----------------
Net increase (decrease) in net assets 334,759 1,848,259 838,107
NET ASSETS:
Beginning of year 4,036,496 2,188,237 1,350,130
-------------- ------------------ ----------------
End of year $ 4,371,255 $ 4,036,496 $ 2,188,237
============== ================== ================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
150
MSF METLIFE CONSERVATIVE TO MODERATE ALLOCATION MSF METLIFE MID CAP STOCK INDEX
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------ -----------------------------------------------------
2011 2010 2009 2011 2010 2009
-------------- ------------------ -------------- --------------- ------------------- -----------------
$ 102,885 $ 146,886 $ 97,885 $ 92,584 $ 88,922 $ 436,208
135,436 32,319 (68,146) 3,401,215 248,370 308,329
(210,123) 421,073 828,280 (4,954,472) 12,893,844 13,600,526
-------------- ------------------ -------------- --------------- ------------------- -----------------
28,198 600,278 858,019 (1,460,673) 13,231,136 14,345,063
-------------- ------------------ -------------- --------------- ------------------- -----------------
968,450 1,013,491 1,081,983 6,663,417 7,250,885 8,322,995
(142,377) 1,079,782 990,434 550,217 173,240 (1,733,152)
(614,893) (573,007) (588,201) (3,942,548) (3,916,122) (3,929,463)
(600,517) (457,386) (298,169) (4,758,860) (4,634,928) (4,046,727)
-------------- ------------------ -------------- --------------- ------------------- -----------------
(389,337) 1,062,880 1,186,047 (1,487,774) (1,126,925) (1,386,347)
-------------- ------------------ -------------- --------------- ------------------- -----------------
(361,139) 1,663,158 2,044,066 (2,948,447) 12,104,211 12,958,716
6,925,701 5,262,543 3,218,477 65,796,062 53,691,851 40,733,135
-------------- ------------------ -------------- --------------- ------------------- -----------------
$ 6,564,562 $ 6,925,701 $ 5,262,543 $ 62,847,615 $ 65,796,062 $ 53,691,851
============== ================== ============== =============== =================== =================
The accompanying notes are an integral part of these financial statements.
151
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF METLIFE MODERATE ALLOCATION
INVESTMENT DIVISION
-----------------------------------------------------
2011 2010 2009
--------------- ------------------- -----------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 365,409 $ 612,920 $ 506,612
Net realized gains (losses) 234,474 17,779 (2,887)
Change in unrealized gains (losses) on investments (1,362,402) 3,378,733 5,007,760
--------------- ------------------- -----------------
Net increase (decrease) in net assets resulting
from operations (762,519) 4,009,432 5,511,485
--------------- ------------------- -----------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 5,784,576 5,949,225 6,448,156
Net transfers (including fixed account) 3,395,270 3,305,318 2,562,902
Policy charges (2,904,925) (2,798,394) (2,812,947)
Transfers for policy benefits and terminations (3,138,424) (2,041,425) (1,454,530)
--------------- ------------------- -----------------
Net increase (decrease) in net assets resulting
from policy transactions 3,136,497 4,414,724 4,743,581
--------------- ------------------- -----------------
Net increase (decrease) in net assets 2,373,978 8,424,156 10,255,066
NET ASSETS:
Beginning of year 37,214,331 28,790,175 18,535,109
--------------- ------------------- -----------------
End of year $ 39,588,309 $ 37,214,331 $ 28,790,175
=============== =================== =================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
152
MSF METLIFE MODERATE TO AGGRESSIVE ALLOCATION MSF METLIFE STOCK INDEX
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------------- ------------------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- -------------------- --------------- ---------------- -------------------- ----------------
$ 506,120 $ 796,924 $ 779,492 $ 6,320,936 $ 5,808,346 $ 9,682,465
112,005 (102,509) (133,216) 3,790,443 (5,405,568) (976,772)
(3,772,324) 7,116,457 10,602,923 (2,093,968) 82,259,608 112,925,652
--------------- -------------------- --------------- ---------------- -------------------- ----------------
(3,154,199) 7,810,872 11,249,199 8,017,411 82,662,386 121,631,345
--------------- -------------------- --------------- ---------------- -------------------- ----------------
12,078,791 13,837,630 16,058,041 80,842,256 86,739,358 95,757,402
1,724,329 655,595 (778,406) (3,601,844) (12,182,904) (18,281,346)
(4,865,736) (5,100,587) (5,739,610) (41,264,087) (41,866,793) (43,260,398)
(4,677,007) (4,588,662) (2,211,947) (47,119,534) (41,307,628) (30,750,386)
--------------- -------------------- --------------- ---------------- -------------------- ----------------
4,260,377 4,803,976 7,328,078 (11,143,209) (8,617,967) 3,465,272
--------------- -------------------- --------------- ---------------- -------------------- ----------------
1,106,178 12,614,848 18,577,277 (3,125,798) 74,044,419 125,096,617
65,064,069 52,449,221 33,871,944 671,751,965 597,707,546 472,610,929
--------------- -------------------- --------------- ---------------- -------------------- ----------------
$ 66,170,247 $ 65,064,069 $ 52,449,221 $ 668,626,167 $ 671,751,965 $ 597,707,546
=============== ==================== =============== ================ ==================== ================
The accompanying notes are an integral part of these financial statements.
153
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF MFS TOTAL RETURN
INVESTMENT DIVISION
------------------------------------------------
2011 2010 2009
-------------- ------------------ --------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 96,167 $ 130,483 $ 179,213
Net realized gains (losses) (29,847) (99,947) (173,243)
Change in unrealized gains (losses) on investments (11,189) 568,242 937,515
-------------- ------------------ --------------
Net increase (decrease) in net assets resulting
from operations 55,131 598,778 943,485
-------------- ------------------ --------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 1,027,479 952,924 1,270,198
Net transfers (including fixed account) (126,958) (93,026) 999,337
Policy charges (500,485) (506,572) (577,409)
Transfers for policy benefits and terminations (801,101) (377,989) (362,991)
-------------- ------------------ --------------
Net increase (decrease) in net assets resulting
from policy transactions (401,065) (24,663) 1,329,135
-------------- ------------------ --------------
Net increase (decrease) in net assets (345,934) 574,115 2,272,620
NET ASSETS:
Beginning of year 7,708,272 7,134,157 4,861,537
-------------- ------------------ --------------
End of year $ 7,362,338 $ 7,708,272 $ 7,134,157
============== ================== ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
154
MSF MFS VALUE MSF MORGAN STANLEY EAFE INDEX
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------------- -----------------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- ------------------ --------------- --------------- ------------------- -----------------
$ 367,363 $ 255,596 $ (360,654) $ 996,993 $ 1,043,606 $ 1,709,359
(44,982) (425,864) (877,734) 137,025 (236,046) (455,196)
(346,891) 5,358,513 9,493,542 (9,604,700) 3,674,685 11,844,795
--------------- ------------------ --------------- --------------- ------------------- -----------------
(24,510) 5,188,245 8,255,154 (8,470,682) 4,482,245 13,098,958
--------------- ------------------ --------------- --------------- ------------------- -----------------
6,217,602 6,966,530 7,793,992 7,277,374 7,898,110 9,558,645
423,365 37,691 (1,188,905) 3,903,398 2,327,295 (1,404,247)
(3,452,473) (3,542,869) (3,789,583) (3,801,271) (3,885,302) (4,356,028)
(4,853,465) (3,962,238) (2,718,079) (4,517,098) (4,368,376) (2,974,891)
--------------- ------------------ --------------- --------------- ------------------- -----------------
(1,664,971) (500,886) 97,425 2,862,403 1,971,727 823,479
--------------- ------------------ --------------- --------------- ------------------- -----------------
(1,689,481) 4,687,359 8,352,579 (5,608,279) 6,453,972 13,922,437
54,052,850 49,365,491 41,012,912 65,367,829 58,913,857 44,991,420
--------------- ------------------ --------------- --------------- ------------------- -----------------
$ 52,363,369 $ 54,052,850 $ 49,365,491 $ 59,759,550 $ 65,367,829 $ 58,913,857
=============== ================== =============== =============== =================== =================
The accompanying notes are an integral part of these financial statements.
155
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF NEUBERGER BERMAN GENESIS
INVESTMENT DIVISION
-----------------------------------------------------
2011 2010 2009
--------------- ------------------- -----------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ (67,278) $ (275,380) $ 150,638
Net realized gains (losses) (976,828) (2,085,738) (2,703,187)
Change in unrealized gains (losses) on investments 4,961,322 15,927,942 10,045,644
--------------- ------------------- -----------------
Net increase (decrease) in net assets resulting
from operations 3,917,216 13,566,824 7,493,095
--------------- ------------------- -----------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 8,942,665 9,951,447 11,539,415
Net transfers (including fixed account) (1,072,904) (1,640,139) (1,847,368)
Policy charges (5,313,072) (5,140,082) (5,408,103)
Transfers for policy benefits and terminations (5,912,935) (5,453,013) (4,050,199)
--------------- ------------------- -----------------
Net increase (decrease) in net assets resulting
from policy transactions (3,356,246) (2,281,787) 233,745
--------------- ------------------- -----------------
Net increase (decrease) in net assets 560,970 11,285,037 7,726,840
NET ASSETS:
Beginning of year 78,718,096 67,433,059 59,706,219
--------------- ------------------- -----------------
End of year $ 79,279,066 $ 78,718,096 $ 67,433,059
=============== =================== =================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
156
MSF NEUBERGER BERMAN MID CAP VALUE MSF OPPENHEIMER GLOBAL EQUITY
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------------- -----------------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- ------------------ ----------------- --------------- ------------------- -----------------
$ 11,772 $ (335) $ 373,237 $ 540,754 $ 315,620 $ 593,945
682,184 12,235 (1,385,415) 892,248 362,727 (362,452)
(5,912,606) 15,949,723 21,838,137 (5,213,727) 5,192,068 11,124,292
--------------- ------------------ ----------------- --------------- ------------------- -----------------
(5,218,650) 15,961,623 20,825,959 (3,780,725) 5,870,415 11,355,785
--------------- ------------------ ----------------- --------------- ------------------- -----------------
8,114,422 8,746,908 9,917,985 3,587,418 3,921,178 4,170,777
(368,606) (311,273) (2,538,823) (166,778) 130,181 (1,832,917)
(4,863,238) (4,935,922) (4,785,680) (2,342,147) (2,449,571) (2,484,658)
(5,832,043) (5,431,326) (3,527,386) (3,507,119) (2,648,050) (1,971,254)
--------------- ------------------ ----------------- --------------- ------------------- -----------------
(2,949,465) (1,931,613) (933,904) (2,428,626) (1,046,262) (2,118,052)
--------------- ------------------ ----------------- --------------- ------------------- -----------------
(8,168,115) 14,030,010 19,892,055 (6,209,351) 4,824,153 9,237,733
77,987,809 63,957,799 44,065,744 43,706,570 38,882,417 29,644,684
--------------- ------------------ ----------------- --------------- ------------------- -----------------
$ 69,819,694 $ 77,987,809 $ 63,957,799 $ 37,497,219 $ 43,706,570 $ 38,882,417
=============== ================== ================= =============== =================== =================
The accompanying notes are an integral part of these financial statements.
157
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF RUSSELL 2000 INDEX
INVESTMENT DIVISION
---------------------------------------------------
2011 2010 2009
--------------- ------------------- ---------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 171,547 $ 169,705 $ 494,140
Net realized gains (losses) 734,988 (66,857) 70,119
Change in unrealized gains (losses) on investments (3,300,203) 11,828,973 9,093,620
--------------- ------------------- ---------------
Net increase (decrease) in net assets resulting
from operations (2,393,668) 11,931,821 9,657,879
--------------- ------------------- ---------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 5,547,834 6,030,913 6,872,994
Net transfers (including fixed account) 238,532 (1,459,730) (966,184)
Policy charges (3,170,368) (3,188,654) (3,197,900)
Transfers for policy benefits and terminations (5,646,773) (3,961,411) (2,569,871)
--------------- ------------------- ---------------
Net increase (decrease) in net assets resulting
from policy transactions (3,030,775) (2,578,882) 139,039
--------------- ------------------- ---------------
Net increase (decrease) in net assets (5,424,443) 9,352,939 9,796,918
NET ASSETS:
Beginning of year 56,596,227 47,243,288 37,446,370
--------------- ------------------- ---------------
End of year $ 51,171,784 $ 56,596,227 $ 47,243,288
=============== =================== ===============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
158
MSF T. ROWE PRICE LARGE CAP GROWTH MSF T. ROWE PRICE SMALL CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------------- ---------------------------------------------------
2011 2010 2009 2011 2010 2009
--------------- ------------------ ---------------- --------------- ----------------- -----------------
$ (316,295) $ (260,485) $ (70,974) $ (968,014) $ (769,902) $ (277,201)
908,859 253,453 (485,740) 2,332,511 562,971 468,105
(1,383,140) 6,370,252 13,392,122 (846,789) 22,601,563 19,138,611
--------------- ------------------ ---------------- --------------- ----------------- -----------------
(790,576) 6,363,220 12,835,408 517,708 22,394,632 19,329,515
--------------- ------------------ ---------------- --------------- ----------------- -----------------
4,270,409 4,102,715 5,247,409 6,244,277 6,679,778 7,344,778
162,723 (1,629,305) (479,252) 3,733,237 (365,817) (1,819,482)
(2,791,074) (2,739,632) (3,146,728) (4,773,192) (4,469,032) (4,555,731)
(4,309,233) (2,842,508) (2,638,815) (6,901,125) (5,044,716) (3,780,276)
--------------- ------------------ ---------------- --------------- ----------------- -----------------
(2,667,175) (3,108,730) (1,017,386) (1,696,803) (3,199,787) (2,810,711)
--------------- ------------------ ---------------- --------------- ----------------- -----------------
(3,457,751) 3,254,490 11,818,022 (1,179,095) 19,194,845 16,518,804
45,775,087 42,520,597 30,702,575 88,004,866 68,810,021 52,291,217
--------------- ------------------ ---------------- --------------- ----------------- -----------------
$ 42,317,336 $ 45,775,087 $ 42,520,597 $ 86,825,771 $ 88,004,866 $ 68,810,021
=============== ================== ================ =============== ================= =================
The accompanying notes are an integral part of these financial statements.
159
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
MSF VAN ECK
GLOBAL NATURAL MSF WESTERN ASSET MANAGEMENT
RESOURCES STRATEGIC BOND OPPORTUNITIES
INVESTMENT DIVISION INVESTMENT DIVISION
------------------- ------------------------------------------------------
2011 (f) 2011 2010 2009
------------------- ------------- ---------------------- -----------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ (609) $ 1,016,886 $ 1,151,290 $ 1,027,387
Net realized gains (losses) (45) 144,847 71,403 382,268
Change in unrealized gains (losses) on investments (2,198) 64,600 1,196,007 3,433,572
------------------- ------------- ---------------------- -----------------
Net increase (decrease) in net assets resulting
from operations (2,852) 1,226,333 2,418,700 4,843,227
------------------- ------------- ---------------------- -----------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 3,321 2,593,403 2,832,832 3,046,053
Net transfers (including fixed account) 12,824 (646,114) 1,156,919 35,565
Policy charges (101) (1,546,833) (1,584,202) (1,611,112)
Transfers for policy benefits and terminations (13) (1,876,403) (1,617,829) (1,198,113)
------------------- ------------- ---------------------- -----------------
Net increase (decrease) in net assets resulting
from policy transactions 16,031 (1,475,947) 787,720 272,393
------------------- ------------- ---------------------- -----------------
Net increase (decrease) in net assets 13,179 (249,614) 3,206,420 5,115,620
NET ASSETS:
Beginning of year -- 23,786,502 20,580,082 15,464,462
------------------- ------------- ---------------------- -----------------
End of year $ 13,179 $ 23,536,888 $ 23,786,502 $ 20,580,082
=================== ============= ====================== =================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
160
PIMCO VIT
ALL ASSET
MSF WESTERN ASSET MANAGEMENT U.S. GOVERNMENT INVESTMENT PIMCO VIT LOW DURATION
INVESTMENT DIVISION DIVISION INVESTMENT DIVISION
--------------------------------------------------- -------------- ------------------------------------------
2011 2010 2009 2011 (f) 2011 2010 2009 (e)
--------------- ------------------- --------------- -------------- ------------ -------------- --------------
$ 116,646 $ 314,612 $ 583,308 $ 2,774 $ 10,827 $ 9,408 $ 9,485
564,972 49,043 (89,029) -- 618 2,729 33,086
82,587 435,726 44,105 (1,176) (6,243) 23,685 1,601
--------------- ------------------- --------------- -------------- ------------ -------------- --------------
764,205 799,381 538,384 1,598 5,202 35,822 44,172
--------------- ------------------- --------------- -------------- ------------ -------------- --------------
2,130,621 2,331,803 2,652,804 8,337 43,028 -- --
(428,475) (168,918) 3,368,164 86,523 153,678 32 696,037
(1,254,276) (1,312,750) (1,485,448) (320) (18,431) (8,069) (3,966)
(1,409,928) (1,375,135) (4,351,515) -- -- -- (1,497)
--------------- ------------------- --------------- -------------- ------------ -------------- --------------
(962,058) (525,000) 184,005 94,540 178,275 (8,037) 690,574
--------------- ------------------- --------------- -------------- ------------ -------------- --------------
(197,853) 274,381 722,389 96,138 183,477 27,785 734,746
16,633,651 16,359,270 15,636,881 -- 762,531 734,746 --
--------------- ------------------- --------------- -------------- ------------ -------------- --------------
$ 16,435,798 $ 16,633,651 $ 16,359,270 $ 96,138 $ 946,008 $ 762,531 $ 734,746
=============== =================== =============== ============== ============ ============== ==============
The accompanying notes are an integral part of these financial statements.
161
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
PIONEER VCT EMERGING MARKETS
INVESTMENT DIVISION
--------------------------------------------
2011 2010 2009
------------ ---------------- --------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $(12,310) $ (10,583) $ 3,201
Net realized gains (losses) 121,447 75,682 8,989
Change in unrealized gains (losses) on investments (327,299) 68,690 311,181
------------ ---------------- --------------
Net increase (decrease) in net assets resulting
from operations (218,162) 133,789 323,371
------------ ---------------- --------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 104,589 102,565 70,484
Net transfers (including fixed account) 193,458 72,459 258,993
Policy charges (13,621) (14,156) (19,519)
Transfers for policy benefits and terminations (649,132) (82,614) (15,065)
------------ ---------------- --------------
Net increase (decrease) in net assets resulting
from policy transactions (364,706) 78,254 294,893
------------ ---------------- --------------
Net increase (decrease) in net assets (582,868) 212,043 618,264
NET ASSETS:
Beginning of year 984,166 772,123 153,859
------------ ---------------- --------------
End of year $ 401,298 $ 984,166 $ 772,123
============ ================ ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
162
PIONEER VCT MID CAP VALUE ROYCE MICRO-CAP
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------- -------------------------
2011 2010 2009 (d) 2011 2010 (b)
------------ --------------- ----------- ------------ ------------
$ 640 $ 504 $ (34) $ 6,956 $ 5,040
580 313 32 1,545 197
(11,556) 14,039 2,439 (52,132) 61,964
------------ --------------- ----------- ------------ ------------
(10,336) 14,856 2,437 (43,631) 67,201
------------ --------------- ----------- ------------ ------------
-- 7,217 -- 4,792 53,592
51,112 59,471 19,671 7,703 236,555
(5,471) (3,451) (582) (7,099) (4,223)
(3) (18) (123) (11) (4,416)
------------ --------------- ----------- ------------ ------------
45,638 63,219 18,966 5,385 281,508
------------ --------------- ----------- ------------ ------------
35,302 78,075 21,403 (38,246) 348,709
99,478 21,403 -- 348,709 --
------------ --------------- ----------- ------------ ------------
$ 134,780 $ 99,478 $ 21,403 $ 310,463 $ 348,709
============ =============== =========== ============ ============
The accompanying notes are an integral part of these financial statements.
163
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
ROYCE SMALL-CAP
INVESTMENT DIVISION
-----------------------------------------
2011 2010 2009 (h)
------------ ---------------- -----------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $(2,603) $ (860) $ (57)
Net realized gains (losses) 18,080 2,111 16
Change in unrealized gains (losses) on investments (64,398) 63,066 2,984
------------ ---------------- -----------
Net increase (decrease) in net assets resulting
from operations (48,921) 64,317 2,943
------------ ---------------- -----------
POLICY TRANSACTIONS:
Premium payments received from policy owners 4,584 22,886 13,726
Net transfers (including fixed account) 740,973 257,401 42,530
Policy charges (13,407) (6,872) (728)
Transfers for policy benefits and terminations (321,629) (3,061) --
------------ ---------------- -----------
Net increase (decrease) in net assets resulting
from policy transactions (410,521) 270,354 55,528
------------ ---------------- -----------
Net increase (decrease) in net assets 361,600 334,671 58,471
NET ASSETS:
Beginning of year 393,142 58,471 --
------------ ---------------- -----------
End of year $ 754,742 $ 393,142 $ 58,471
============ ================ ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
164
UIF EMERGING MARKETS DEBT UIF EMERGING MARKETS EQUITY
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------- --------------------------------------------
2011 2010 2009 (h) 2011 2010 2009 (h)
------------ ------------- ---------- ------------ ---------------- --------------
$ 6,403 $ 287 $ 68 $ (667) $ 238 $ (17)
2,814 87 32 4,478 899 480
79 318 95 (99,779) 38,992 1,146
------------ ------------- ---------- ------------ ---------------- --------------
9,296 692 195 (95,968) 40,129 1,609
------------ ------------- ---------- ------------ ---------------- --------------
2,057 2,057 803 2,923 2,451 803
408,567 -- 6,688 444,567 157,781 6,231
(2,897) (1,064) (131) (9,803) (6,947) (1,164)
(3,368) (89) (1,808) -- (1,388) (1,836)
------------ ------------- ---------- ------------ ---------------- --------------
404,359 904 5,552 437,687 151,897 4,034
------------ ------------- ---------- ------------ ---------------- --------------
413,655 1,596 5,747 341,719 192,026 5,643
7,343 5,747 -- 197,669 5,643 --
------------ ------------- ---------- ------------ ---------------- --------------
$ 420,998 $ 7,343 $ 5,747 $ 539,388 $ 197,669 $ 5,643
============ ============= ========== ============ ================ ==============
The accompanying notes are an integral part of these financial statements.
165
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
STATEMENTS OF CHANGES IN NET ASSETS -- (CONCLUDED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009
WELLS FARGO VT TOTAL RETURN BOND
INVESTMENT DIVISION
----------------------------------------------
2011 2010 2009
------------- ----------------- --------------
INCREASE (DECREASE) IN NET ASSETS:
FROM OPERATIONS:
Net investment income (loss) $ 12,539 $ 23,065 $ 16,897
Net realized gains (losses) 45,796 34,459 5,219
Change in unrealized gains (losses) on investments (7,169) (12,496) 23,526
------------- ----------------- --------------
Net increase (decrease) in net assets resulting
from operations 51,166 45,028 45,642
------------- ----------------- --------------
POLICY TRANSACTIONS:
Premium payments received from policy owners 66,775 158,432 124,039
Net transfers (including fixed account) (413,486) 386,034 234,843
Policy charges (13,372) (15,907) (14,024)
Transfers for policy benefits and terminations (637,284) (26,909) (39,437)
------------- ----------------- --------------
Net increase (decrease) in net assets resulting
from policy transactions (997,367) 501,650 305,421
------------- ----------------- --------------
Net increase (decrease) in net assets (946,201) 546,678 351,063
NET ASSETS:
Beginning of year 1,081,415 534,737 183,674
------------- ----------------- --------------
End of year $ 135,214 $ 1,081,415 $ 534,737
============= ================= ==============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
The accompanying notes are an integral part of these financial statements.
166
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS
1. ORGANIZATION
Metropolitan Life Separate Account UL (the "Separate Account"), a separate
account of Metropolitan Life Insurance Company (the "Company"), was established
by the Company's Board of Directors on December 13, 1988 to support operations
of the Company with respect to certain variable life insurance policies (the
"Policies"). The Company is a direct wholly-owned subsidiary of MetLife, Inc.,
a Delaware corporation. The Separate Account is registered as a unit investment
trust under the Investment Company Act of 1940, as amended, and exists in
accordance with the regulations of the New York State Department of Financial
Services.
The Separate Account is divided into Investment Divisions, each of which is
treated as an individual accounting entity for financial reporting purposes.
Each Investment Division invests in shares of the corresponding portfolio,
series, or fund (with the same name) of registered investment management
companies (the "Trusts"), which are presented below:
AIM Variable Insurance Funds (Invesco Variable
Insurance Funds) ("Invesco V.I.")
AllianceBernstein Variable Products Series Fund, Inc.
("AllianceBernstein")
American Century Variable Portfolios, Inc.
("American Century VP")
American Funds Insurance Series ("American Funds")
Dreyfus Variable Investment Fund ("Dreyfus VIF")
Fidelity Variable Insurance Products ("Fidelity VIP")
Franklin Templeton Variable Insurance Products Trust
("FTVIPT")
Goldman Sachs Variable Insurance Trust
("Goldman Sachs")
Janus Aspen Series ("Janus Aspen")
Legg Mason Partners Variable Equity Trust
("LMPVET")
Met Investors Series Trust ("MIST")*
Metropolitan Series Fund, Inc. ("MSF")*
MFS Variable Insurance Trust ("MFS VIT")
Oppenheimer Variable Account Funds
("Oppenheimer VA")
PIMCO Variable Insurance Trust ("PIMCO VIT")
Pioneer Variable Contracts Trust ("Pioneer VCT")
Putnam Variable Trust ("Putnam VT")
Royce Capital Fund ("Royce")
The Universal Institutional Funds, Inc. ("UIF")
Wells Fargo Variable Trust ("Wells Fargo VT")
* See Note 5 for a discussion of additional information on related party
transactions.
2. LIST OF INVESTMENT DIVISIONS
A. Premium payments, less any applicable charges, applied to the Separate
Account are invested in one or more Investment Divisions in accordance with
the selection made by the policy owner. The following Investment Divisions
had net assets as of December 31, 2011:
AllianceBernstein Global Thematic Growth Investment
Division
AllianceBernstein Intermediate Bond Investment
Division
AllianceBernstein International Value Investment
Division
American Century VP Vista Investment Division
American Funds Bond Investment Division
American Funds Global Small Capitalization
Investment Division
American Funds Growth Investment Division
American Funds Growth-Income Investment Division
American Funds International Investment Division
American Funds U.S. Government/AAA-Rated
Securities Investment Division
Dreyfus VIF International Value Investment Division
Fidelity VIP Asset Manager: Growth Investment
Division
Fidelity VIP Contrafund Investment Division
Fidelity VIP Equity-Income Investment Division
Fidelity VIP Freedom 2010 Investment Division
Fidelity VIP Freedom 2020 Investment Division
Fidelity VIP Freedom 2030 Investment Division
Fidelity VIP Freedom 2050 Investment Division
Fidelity VIP High Income Investment Division
Fidelity VIP Investment Grade Bond Investment
Division
Fidelity VIP Mid Cap Investment Division
FTVIPT Mutual Global Discovery Securities
Investment Division
167
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
2. LIST OF INVESTMENT DIVISIONS -- (CONTINUED)
FTVIPT Templeton Foreign Securities Investment
Division
FTVIPT Templeton Global Bond Securities Investment
Division
Goldman Sachs Mid-Cap Value Investment Division
Goldman Sachs Structured Small Cap Equity
Investment Division
Invesco V.I. Global Real Estate Investment Division
Invesco V.I. Government Securities Investment
Division (a)
Invesco V.I. International Growth Investment Division
Invesco V.I. Van Kampen Comstock Investment
Division
Janus Aspen Balanced Investment Division
Janus Aspen Forty Investment Division
Janus Aspen Janus Investment Division
Janus Aspen Overseas Investment Division
MFS VIT Global Equity Investment Division
MFS VIT High Income Investment Division
MFS VIT New Discovery Investment Division
MFS VIT Value Investment Division
MIST American Funds Balanced Allocation
Investment Division
MIST American Funds Growth Allocation Investment
Division
MIST American Funds Moderate Allocation
Investment Division
MIST BlackRock Large Cap Core Investment Division
MIST Clarion Global Real Estate Investment Division*
MIST Dreman Small Cap Value Investment Division
MIST Harris Oakmark International Investment
Division
MIST Invesco Small Cap Growth Investment Division*
MIST Janus Forty Investment Division
MIST Lazard Mid Cap Investment Division*
MIST Legg Mason ClearBridge Aggressive Growth
Investment Division
MIST Lord Abbett Bond Debenture Investment
Division
MIST Lord Abbett Mid Cap Value Investment Division
MIST Met/Franklin Income Investment Division
MIST Met/Franklin Mutual Shares Investment
Division
MIST Met/Franklin Templeton Founding Strategy
Investment Division
MIST Met/Templeton Growth Investment Division
MIST MetLife Aggressive Strategy Investment
Division* (a)
MIST MFS Emerging Markets Equity Investment Division (a)
MIST MFS Research International Investment
Division*
MIST Morgan Stanley Mid Cap Growth Investment
Division
MIST Oppenheimer Capital Appreciation Investment
Division
MIST PIMCO Inflation Protected Bond Investment
Division
MIST PIMCO Total Return Investment Division
MIST Pioneer Fund Investment Division
MIST RCM Technology Investment Division
MIST SSgA Growth and Income ETF Investment
Division
MIST SSgA Growth ETF Investment Division
MIST T. Rowe Price Large Cap Value Investment
Division
MIST T. Rowe Price Mid Cap Growth Investment
Division*
MIST Third Avenue Small Cap Value Investment
Division
MSF Artio International Stock Investment Division
MSF Barclays Capital Aggregate Bond Index
Investment Division
MSF BlackRock Aggressive Growth Investment
Division
MSF BlackRock Bond Income Investment Division
MSF BlackRock Diversified Investment Division
MSF BlackRock Large Cap Value Investment Division
MSF BlackRock Legacy Large Cap Growth Investment
Division
MSF BlackRock Money Market Investment Division
MSF Davis Venture Value Investment Division
MSF FI Value Leaders Investment Division
MSF Jennison Growth Investment Division
MSF Loomis Sayles Small Cap Core Investment
Division
MSF Loomis Sayles Small Cap Growth Investment
Division
MSF Met/Artisan Mid Cap Value Investment Division*
MSF MetLife Conservative Allocation Investment
Division*
MSF MetLife Conservative to Moderate Allocation
Investment Division*
MSF MetLife Mid Cap Stock Index Investment
Division
MSF MetLife Moderate Allocation Investment
Division*
MSF MetLife Moderate to Aggressive Allocation
Investment Division*
168
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
2. LIST OF INVESTMENT DIVISIONS -- (CONCLUDED)
MSF MetLife Stock Index Investment Division
MSF MFS Total Return Investment Division*
MSF MFS Value Investment Division
MSF Morgan Stanley EAFE Index Investment Division
MSF Neuberger Berman Genesis Investment Division
MSF Neuberger Berman Mid Cap Value Investment
Division
MSF Oppenheimer Global Equity Investment Division
MSF Russell 2000 Index Investment Division
MSF T. Rowe Price Large Cap Growth Investment
Division
MSF T. Rowe Price Small Cap Growth Investment
Division
MSF Van Eck Global Natural Resources Investment
Division (a)
MSF Western Asset Management Strategic Bond
Opportunities Investment Division
MSF Western Asset Management U.S. Government Investment
Division
PIMCO VIT All Asset Investment Division (a)
PIMCO VIT Low Duration Investment Division
Pioneer VCT Emerging Markets Investment Division
Pioneer VCT Mid Cap Value Investment Division
Royce Micro-Cap Investment Division
Royce Small-Cap Investment Division
UIF Emerging Markets Debt Investment Division
UIF Emerging Markets Equity Investment Division
Wells Fargo VT Total Return Bond Investment
Division
* This Investment Division invests in two or more share classes within the
underlying portfolio, series, or fund of the Trusts.
(a) This Investment Division began operations during the year ended
December 31, 2011.
B. The following Investment Divisions had no net assets as of December 31,
2011:
American Funds High-Income Bond Investment
Division
Fidelity VIP Freedom 2015 Investment Division
Fidelity VIP Freedom 2025 Investment Division
Fidelity VIP Freedom 2040 Investment Division
Janus Aspen Enterprise Investment Division
LMPVET Investment Counsel Variable Social
Awareness Investment Division
Oppenheimer VA Main Street Small- & Mid-Cap
Investment Division
PIMCO VIT Long-Term U.S. Government Investment
Division
Putnam VT International Value Investment Division
3. PORTFOLIO CHANGES
The following Investment Divisions ceased operations during the year ended
December 31, 2011:
Delaware VIP Small Cap Value Investment Division
Invesco V.I. Van Kampen Government Investment Division
MIST Legg Mason Value Equity Investment Division
MSF MetLife Aggressive Allocation Investment Division
The operations of the Investment Divisions were affected by the following
changes that occurred during the year ended December 31, 2011:
NAME CHANGES:
FORMER NAME NEW NAME
(MIST) Lord Abbett Growth and Income Portfolio (MIST) T. Rowe Price Large Cap Value Portfolio
Oppenheimer Main Street Small Cap Fund/VA Oppenheimer Main Street Small- & Mid-Cap Fund/VA
169
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
3. PORTFOLIO CHANGES -- (CONTINUED)
MERGERS:
FORMER PORTFOLIO NEW PORTFOLIO
Invesco V.I. Van Kampen Government Fund Invesco V.I. Government Securities Fund
(MIST) Legg Mason Value Equity Portfolio (MIST) Legg Mason ClearBridge Aggressive Growth Portfolio
(MSF) MetLIfe Aggressive Allocation Portfolio (MIST) MetLife Aggressive Strategy Portfolio
SUBSTITUTION:
FORMER PORTFOLIO NEW PORTFOLIO
Delaware VIP Small Cap Value Series (MIST) Third Avenue Small Cap Value Portfolio
4. SIGNIFICANT ACCOUNTING POLICIES
BASIS OF ACCOUNTING
The financial statements have been prepared in accordance with accounting
principles generally accepted in the United States of America ("GAAP")
applicable for variable life separate accounts registered as unit investment
trusts.
SECURITY TRANSACTIONS
Security transactions are recorded on a trade date basis. Realized gains and
losses on the sales of investments are computed on the basis of the average
cost of the investment sold. Income from dividends and realized gain
distributions are recorded on the ex-distribution date.
SECURITY VALUATION
The Investment Divisions' investment in shares of the portfolio, series or
fund of the Trusts is valued at fair value based on the closing net asset
value ("NAV") or price per share as determined by the Trusts as of the end of
the year. All changes in fair value are recorded as changes in unrealized
gains (losses) on investments in the statements of operations of the
applicable Investment Divisions.
The Separate Account defines fair value as the price that would be received
to sell an asset or paid to transfer a liability (an exit price) in the
principal or most advantageous market for the asset or liability in an
orderly transaction between market participants on the measurement date. The
Separate Account prioritizes the inputs to fair valuation techniques and
allows for the use of unobservable inputs to the extent that observable
inputs are not available. The Separate Account has categorized its assets
based on the priority of the inputs to the respective valuation technique.
The fair value hierarchy gives the highest priority to quoted prices in
active markets for identical assets (Level 1) and the lowest priority to
unobservable inputs (Level 3). An asset's classification within the fair
value hierarchy is based on the lowest level of significant input to its
valuation. The input levels are as follows:
Level 1 Unadjusted quoted prices in active markets for identical assets
that the Separate Account has the ability to access.
Level 2 Observable inputs other than quoted prices in Level 1 that are
observable either directly or indirectly. These inputs may include
quoted prices for the identical instrument on an inactive market
or prices for similar instruments.
Level 3 Unobservable inputs that are supported by little or no market
activity and are significant to the fair value of the assets,
representing the Separate Account's own assumptions about the
assumptions a market participant would use in valuing the asset,
and based on the best information available.
170
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
4. SIGNIFICANT ACCOUNTING POLICIES -- (CONTINUED)
Each Investment Division invests in shares of open-end mutual funds which
calculate a daily NAV based on the fair value of the underlying securities in
their portfolios. As a result, and as required by law, shares of open-end
mutual funds are purchased and redeemed at their quoted daily NAV as reported
by the Trusts at the close of each business day. On that basis, the inputs
used to value all shares held by the Separate Account, which are measured at
fair value on a recurring basis, are classified as Level 2. There were no
transfers between Level 1 and Level 2, and no activity in Level 3 during the
year.
FEDERAL INCOME TAXES
The operations of the Separate Account form a part of the total operations of
the Company and are not taxed separately. The Company is taxed as a life
insurance company under the provisions of the Internal Revenue Code ("IRC").
Under the current provisions of the IRC, the Company does not expect to incur
federal income taxes on the earnings of the Separate Account to the extent
the earnings are credited under the Policies. Accordingly, no charge is
currently being made to the Separate Account for federal income taxes. The
Company will periodically review the status of this policy in the event of
changes in the tax law. A charge may be made in future years for any federal
income taxes that would be attributable to the Policies.
PREMIUM PAYMENTS
The Company deducts a sales charge and a state premium tax charge from
premiums before amounts are allocated to the Separate Account. The Company
also deducts a federal income tax charge before amounts are allocated to the
Separate Account. This federal income tax charge is imposed to recover a
portion of the federal income tax adjustment attributable to policy
acquisition expenses. Net premiums are reported as payments received from
policy owners on the statements of changes in net assets of the applicable
Investment Divisions and are credited as accumulation units.
NET TRANSFERS
Funds transferred by the policy owner into or out of the Investment Divisions
within the Separate Account or into or out of the fixed account (an
investment option in the Company's general account) are recorded on a net
basis as net transfers in the statements of changes in net assets of the
applicable Investment Divisions.
USE OF ESTIMATES
The preparation of financial statements in accordance with GAAP requires
management to make estimates and assumptions that affect amounts reported
herein. Actual results could differ from these estimates.
ADOPTION OF NEW ACCOUNTING PRONOUNCEMENTS
Effective January 1, 2010, the Separate Account adopted new guidance that
requires new disclosures about significant transfers in and/or out of Levels
1 and 2 of the fair value hierarchy and activity in Level 3. In addition,
this guidance provides clarification of existing disclosure requirements
about the level of disaggregation and inputs and valuation techniques. The
adoption of this guidance did not have an impact on the Separate Account's
financial statements.
Effective December 31, 2009, the Separate Account adopted new guidance on:
(i) measuring the fair value of investments in certain entities that
calculate a NAV per share; (ii) how investments within its scope would be
classified in the fair value hierarchy; and (iii) enhanced disclosure
requirements about the nature and risks of investments measured at fair value
on a recurring or non-recurring basis. As a result, the Separate Account
classified all of its investments, which utilize a NAV to measure fair value,
as Level 2 in the fair value hierarchy.
Effective April 1, 2009, the Separate Account adopted prospectively new
guidance, which establishes general standards for accounting and disclosures
of events that occur subsequent to the statements of assets and liabilities
date but before financial statements are issued, as revised in February 2010.
The Separate Account has provided the required disclosures, if any, in its
financial statements.
171
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
4. SIGNIFICANT ACCOUNTING POLICIES -- (CONCLUDED)
FUTURE ADOPTION OF NEW ACCOUNTING PRONOUNCEMENTS
In May 2011, the Financial Accounting Standards Board ("FASB") issued new
guidance regarding fair value measurements (Accounting Standards Update ("ASU")
2011-04, FAIR VALUE MEASUREMENT (TOPIC 820): AMENDMENTS TO ACHIEVE COMMON FAIR
VALUE MEASUREMENT AND DISCLOSURE REQUIREMENTS IN U.S. GAAP AND IFRSS),
effective for the first interim or annual period beginning after December 15,
2011. The guidance should be applied prospectively. The amendments in this ASU
are intended to establish common requirements for measuring fair value and for
disclosing information about fair value measurements in accordance with GAAP
and International Financial Reporting Standards ("IFRS"). Some of the
amendments clarify the FASB's intent on the application of existing fair value
measurement requirements. Other amendments change a particular principle or
requirement for measuring fair value or for disclosing information about fair
value measurements. The Separate Account does not expect the adoption of this
new guidance to have a material impact on its financial statements.
5. EXPENSES AND RELATED PARTY TRANSACTIONS
The following annual Separate Account charge paid to the Company, is an
asset-based charge and assessed through a daily reduction in unit values, which
is recorded as an expense in the accompanying statements of operations of the
applicable Investment Divisions:
MORTALITY AND EXPENSE RISK -- The mortality risk assumed by the Company is
the risk that those insured may die sooner than anticipated and therefore,
the Company will pay an aggregate amount of death benefits greater than
anticipated. The expense risk assumed is the risk that expenses incurred in
issuing and administering the Policies will exceed the amounts realized
from the administrative charges assessed against the Policies.
The table below represents the range of effective annual rates for the
respective charge for the year ended December 31, 2011:
Mortality and Expense Risk 0.00% - 0.90%
The above referenced charge may not necessarily correspond to the costs
associated with providing the services or benefits indicated by the
designation of the charge or associated with a particular policy.
For some Policies, a mortality and expense risk charge ranging from 0.30% to
0.90% is assessed through the redemption of units on a monthly basis and
recorded as mortality and expense risk charges in the statements of operations
of the applicable Investment Divisions. The charges outlined in the following
section are paid to the Company and are recorded as policy charges in the
accompanying statements of changes in net assets of the applicable Investment
Divisions.
Other policy charges that are assessed through the redemption of units
generally include: Cost of Insurance ("COI") charges, administrative charges, a
policy fee, and charges for benefits provided by rider, if any. The COI charge
is the primary charge under the policy for the death benefit provided by the
Company which may vary by policy based on underwriting criteria. Administrative
charges range from $3 to $35 and are assessed monthly. For some Policies, a
surrender charge is imposed if the policy is partially or fully surrendered
within the specified surrender charge period that ranges from $3.75 to $38.25
for every $1,000 of the policy face amount.
Surrender charges for other Policies are equal to the lesser of the maximum
surrender charge premium or the premiums actually paid in the first two policy
years. For these policies, in the first policy year, the maximum surrender
charge premium is 75% of the smoker federal guideline premium for the policy,
assuming a level death benefit for the policy and any riders; and in the second
and later policy years, it is 100% of the smoker federal guideline premium for
the policy, assuming a level death benefit for the policy and any riders. The
surrender charge cannot exceed 100% of the cumulative premiums paid in the
first two policy years. If the policy is surrendered in the first two policy
years, the Company will deduct 100% of the surrender charge, determined as
described above. After the second policy year, the percentage the Company
deducts declines until it reaches 0% at the end of the 15th policy year.
172
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
5. EXPENSES AND RELATED PARTY TRANSACTIONS -- (CONTINUED)
Most policies offer optional benefits that can be added to the policy by rider.
The charge for riders that provide life insurance benefits can range from $0.01
to $30.34 per $1,000 of coverage and the charge for riders providing benefits
in the event of disability can range from $0.00 to $61.44 per $100 of the
benefit provided.
Certain investments in the various portfolios of the MIST and MSF Trusts hold
shares that are managed by MetLife Advisers, LLC, which acts in the capacity of
investment advisor and is an affiliate of the Company. On May 1, 2009, Met
Investors Advisory, LLC, an affiliate of the Company and previous manager of
the MIST Trust, merged into MetLife Advisers, LLC.
173
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
6. STATEMENTS OF INVESTMENTS
FOR THE YEAR ENDED
AS OF DECEMBER 31, 2011 DECEMBER 31, 2011
----------------------- ----------------------------
COST OF PROCEEDS
SHARES COST ($) PURCHASES ($) FROM SALES ($)
---------- ------------ ------------- --------------
AllianceBernstein Global Thematic Growth Investment Division 296,119 5,722,542 5,924,276 265,271
AllianceBernstein Intermediate Bond Investment Division 3,819 46,555 4,944 1,493
AllianceBernstein International Value Investment Division 12 183 1,511 2,772
American Century VP Vista Investment Division 575 9,279 16,251 74,661
American Funds Bond Investment Division 435,647 4,686,761 969,816 731,112
American Funds Global Small Capitalization Investment
Division 3,079,512 62,409,491 3,778,860 5,452,768
American Funds Growth Investment Division 2,287,142 116,580,904 5,600,915 8,870,119
American Funds Growth-Income Investment Division 2,154,683 73,971,889 3,518,169 3,636,760
American Funds International Investment Division 34,611 580,778 16,165 191,972
American Funds U.S. Government/AAA-Rated Securities
Investment Division 3,533 43,793 24,616 18,298
Dreyfus VIF International Value Investment Division 20,568 262,362 5,544 6,265
Fidelity VIP Asset Manager: Growth Investment Division 107,882 1,331,954 201,611 542,259
Fidelity VIP Contrafund Investment Division 93,762 2,177,801 386,193 826,551
Fidelity VIP Equity-Income Investment Division 998 18,281 65,604 243,406
Fidelity VIP Freedom 2010 Investment Division 3,312 33,619 16,905 13,581
Fidelity VIP Freedom 2020 Investment Division 68,532 524,552 64,043 79,620
Fidelity VIP Freedom 2030 Investment Division 5,873 54,640 33,098 83,225
Fidelity VIP Freedom 2050 Investment Division (a) 1,157 13,988 44,388 25,362
Fidelity VIP High Income Investment Division 8,019 44,841 40,651 236
Fidelity VIP Investment Grade Bond Investment Division 135,914 1,762,691 1,807,611 593,778
Fidelity VIP Mid Cap Investment Division 21,482 588,358 287,684 86,070
FTVIPT Mutual Global Discovery Securities Investment
Division 40,641 804,523 279,594 383,211
FTVIPT Templeton Foreign Securities Investment Division 236,478 3,362,268 539,313 6,463,366
FTVIPT Templeton Global Bond Securities Investment Division 15,548 301,229 626,974 316,892
Goldman Sachs Mid-Cap Value Investment Division 20,495 310,207 58,548 130,799
Goldman Sachs Structured Small Cap Equity Investment
Division 4,411 46,124 893 1,806
Invesco V.I. Global Real Estate Investment Division 122,840 1,838,520 1,144,072 1,047,754
Invesco V.I. Government Securities Investment Division (b) 1,735 20,156 105,415 86,648
Invesco V.I. International Growth Investment Division 888 22,949 11,463 236,029
Invesco V.I. Van Kampen Comstock Investment Division 16,849 196,193 166,971 2,690
Janus Aspen Balanced Investment Division 48,299 1,337,704 476,479 1,530,768
Janus Aspen Forty Investment Division 21,488 666,136 60,009 495,862
Janus Aspen Janus Investment Division 37,570 734,386 11,493 7,130,795
Janus Aspen Overseas Investment Division 9,198 475,978 5,940,358 5,664,163
MFS VIT Global Equity Investment Division 430 5,384 14,292 232,286
MFS VIT High Income Investment Division 16,459 115,867 12,069 1,866
MFS VIT New Discovery Investment Division 8,908 125,314 24,020 4,419
MFS VIT Value Investment Division 3,533 44,675 36,464 67,428
MIST American Funds Balanced Allocation Investment Division 54,201 500,178 225,636 119,833
MIST American Funds Growth Allocation Investment Division 88,778 739,576 237,080 112,650
MIST American Funds Moderate Allocation Investment Division 40,689 380,969 184,789 27,959
MIST BlackRock Large Cap Core Investment Division 33,712,507 360,691,469 6,851,461 23,235,479
MIST Clarion Global Real Estate Investment Division 2,099,114 25,357,383 2,264,531 1,937,838
MIST Dreman Small Cap Value Investment Division 2,735 33,760 16,769 5,385
MIST Harris Oakmark International Investment Division 2,296,776 32,074,482 2,500,638 2,457,952
MIST Invesco Small Cap Growth Investment Division 314,943 4,044,669 950,748 984,337
MIST Janus Forty Investment Division 196,139 13,090,670 1,510,556 2,004,491
MIST Lazard Mid Cap Investment Division 491,504 5,837,241 1,280,594 1,251,786
(a) Commenced on May 4, 2009 and began transactions in 2011.
(b) For the period May 2, 2011 to December 31, 2011.
174
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
6. STATEMENTS OF INVESTMENTS -- (CONTINUED)
FOR THE YEAR ENDED
AS OF DECEMBER 31, 2011 DECEMBER 31, 2011
----------------------- ----------------------------
COST OF PROCEEDS
SHARES COST ($) PURCHASES ($) FROM SALES ($)
---------- ------------ ------------- --------------
MIST Legg Mason ClearBridge Aggressive Growth Investment
Division 1,583,348 11,900,844 5,893,574 1,236,188
MIST Lord Abbett Bond Debenture Investment Division 2,010,202 23,705,523 4,202,645 5,865,230
MIST Lord Abbett Mid Cap Value Investment Division 7,962 97,587 17,623 3,264
MIST Met/Franklin Income Investment Division 23,305 228,675 104,557 10,557
MIST Met/Franklin Mutual Shares Investment Division 9,793 80,192 34,651 5,687
MIST Met/Franklin Templeton Founding Strategy Investment
Division 28,790 248,758 36,620 12,523
MIST Met/Templeton Growth Investment Division 6,209 52,293 19,150 9,023
MIST MetLife Aggressive Strategy Investment Division (b) 1,381,243 14,305,212 15,450,469 1,027,360
MIST MFS Emerging Markets Equity Investment Division (b) 2,452 26,160 26,770 540
MIST MFS Research International Investment Division 1,349,426 15,039,387 2,576,414 2,605,812
MIST Morgan Stanley Mid Cap Growth Investment Division 16,544,317 168,067,211 9,829,634 16,285,234
MIST Oppenheimer Capital Appreciation Investment Division 284,866 1,806,309 403,309 428,646
MIST PIMCO Inflation Protected Bond Investment Division 883,250 9,810,259 3,303,438 2,028,482
MIST PIMCO Total Return Investment Division 3,882,227 45,377,062 7,403,802 5,653,299
MIST Pioneer Fund Investment Division 13,169 132,390 7,780 67,759
MIST RCM Technology Investment Division 2,990,153 12,776,901 2,111,961 3,577,458
MIST SSgA Growth and Income ETF Investment Division 411,341 4,330,488 1,498,489 604,376
MIST SSgA Growth ETF Investment Division 308,722 3,120,509 1,923,928 1,172,938
MIST T. Rowe Price Large Cap Value Investment Division 51,503 1,269,288 25,689 5,307,279
MIST T. Rowe Price Mid Cap Growth Investment Division 2,661,246 22,825,590 8,275,848 2,781,426
MIST Third Avenue Small Cap Value Investment Division 59,664 831,943 595,096 1,211,039
MSF Artio International Stock Investment Division 4,564,064 51,718,192 3,235,087 3,373,752
MSF Barclays Capital Aggregate Bond Index Investment
Division 9,392,344 101,657,627 11,501,288 21,342,034
MSF BlackRock Aggressive Growth Investment Division 7,098,644 164,559,851 8,269,136 17,101,074
MSF BlackRock Bond Income Investment Division 758,023 81,119,184 5,805,876 8,666,314
MSF BlackRock Diversified Investment Division 16,022,240 257,117,632 10,350,108 21,365,154
MSF BlackRock Large Cap Value Investment Division 1,285,048 14,463,819 1,424,125 1,183,780
MSF BlackRock Legacy Large Cap Growth Investment
Division 295,304 6,820,352 2,393,555 1,606,886
MSF BlackRock Money Market Investment Division 207,938 20,793,802 11,412,230 20,447,498
MSF Davis Venture Value Investment Division 1,808,251 49,447,185 4,062,485 5,416,410
MSF FI Value Leaders Investment Division 46,079 7,447,441 923,988 900,032
MSF Jennison Growth Investment Division 1,166,924 12,586,990 1,020,376 2,289,730
MSF Loomis Sayles Small Cap Core Investment Division 77,854 15,721,460 1,401,272 2,332,479
MSF Loomis Sayles Small Cap Growth Investment Division 817,163 7,507,090 1,535,720 1,011,621
MSF Met/Artisan Mid Cap Value Investment Division 263,619 53,786,669 2,136,634 4,226,880
MSF MetLife Conservative Allocation Investment Division 377,019 4,163,131 1,806,198 1,511,348
MSF MetLife Conservative to Moderate Allocation Investment
Division 583,520 6,211,103 1,953,282 2,239,776
MSF MetLife Mid Cap Stock Index Investment Division 4,845,608 58,660,606 7,118,449 5,790,251
MSF MetLife Moderate Allocation Investment Division 3,655,601 37,889,222 6,621,830 3,119,932
MSF MetLife Moderate to Aggressive Allocation Investment
Division 6,368,644 66,556,710 8,856,018 4,089,610
MSF MetLife Stock Index Investment Division 22,588,617 678,268,203 42,140,081 42,862,666
MSF MFS Total Return Investment Division 56,913 7,555,188 1,189,902 1,494,750
MSF MFS Value Investment Division 4,281,432 54,455,261 3,888,301 5,180,543
MSF Morgan Stanley EAFE Index Investment Division 5,847,293 64,630,081 9,375,469 5,508,673
MSF Neuberger Berman Genesis Investment Division 6,579,130 94,640,448 2,070,471 5,494,730
MSF Neuberger Berman Mid Cap Value Investment Division 3,749,714 65,181,444 3,309,588 6,247,250
MSF Oppenheimer Global Equity Investment Division 2,695,695 34,380,468 4,561,354 6,449,346
(a) Commenced on May 4, 2009 and began transactions in 2011.
(b) For the period May 2, 2011 to December 31, 2011.
175
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
6. STATEMENTS OF INVESTMENTS -- (CONCLUDED)
FOR THE YEAR ENDED
AS OF DECEMBER 31, 2011 DECEMBER 31, 2011
----------------------- ----------------------------
COST OF PROCEEDS
SHARES COST ($) PURCHASES ($) FROM SALES ($)
--------- ------------- ------------- --------------
MSF Russell 2000 Index Investment Division 4,042,001 47,361,388 4,574,342 7,433,659
MSF T. Rowe Price Large Cap Growth Investment Division 2,845,757 34,332,406 2,728,837 5,712,444
MSF T. Rowe Price Small Cap Growth Investment Division 5,205,391 65,703,613 6,480,374 9,130,453
MSF Van Eck Global Natural Resources Investment Division (b) 975 15,377 15,766 344
MSF Western Asset Management Strategic Bond Opportunities
Investment Division 1,809,072 21,952,432 2,218,805 2,678,776
MSF Western Asset Management U.S. Government Investment
Division 1,346,097 16,268,088 1,868,479 2,143,284
PIMCO VIT All Asset Investment Division (b) 9,222 97,359 97,359 --
PIMCO VIT Low Duration Investment Division 91,115 926,737 210,299 21,217
Pioneer VCT Emerging Markets Investment Division 16,956 389,995 461,977 837,851
Pioneer VCT Mid Cap Value Investment Division 8,504 129,868 52,297 6,022
Royce Micro-Cap Investment Division 29,823 300,626 22,196 9,860
Royce Small-Cap Investment Division 74,950 753,098 1,012,962 605,050
UIF Emerging Markets Debt Investment Division 50,660 420,498 432,895 19,721
UIF Emerging Markets Equity Investment Division 43,060 599,186 657,354 220,179
Wells Fargo VT Total Return Bond Investment Division 12,806 132,348 134,983 1,089,695
(a) Commenced on May 4, 2009 and began transations in 2011.
(b) For the period May 2, 2011 to December 31, 2011.
176
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METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
7. SCHEDULES OF UNITS
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009:
ALLIANCEBERNSTEIN GLOBAL THEMATIC GROWTH ALLIANCEBERNSTEIN INTERMEDIATE BOND
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------- ------------------------------------------
2011 2010 2009 2011 2010 2009 (a)
---------- ---------------------- --------- -------- ---------------------- ----------
Units beginning of year 19,486 25,043 14,644 3,146 2,242 --
Units issued and
transferred from
other funding options 943,623 5,471 14,289 191 3,226 3,299
Units redeemed and
transferred to other
funding options (48,897) (11,028) (3,890) (105) (2,322) (1,057)
---------- ---------------------- --------- -------- ---------------------- ----------
Units end of year 914,212 19,486 25,043 3,232 3,146 2,242
========== ====================== ========= ======== ====================== ==========
AMERICAN FUNDS BOND AMERICAN FUNDS GLOBAL SMALL CAPITALIZATION
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------- -------------------------------------------------
2011 2010 2009 2011 2010 2009
----------- ---------------------- ----------- ------------ ---------------------- -------------
Units beginning of year 361,073 335,183 317,147 2,114,920 2,152,577 2,098,117
Units issued and
transferred from
other funding options 111,528 767,492 631,349 395,698 2,898,451 2,393,707
Units redeemed and
transferred to other
funding options (104,902) (741,602) (613,313) (473,030) (2,936,108) (2,339,247)
----------- ---------------------- ----------- ------------ ---------------------- -------------
Units end of year 367,699 361,073 335,183 2,037,588 2,114,920 2,152,577
=========== ====================== =========== ============ ====================== =============
AMERICAN FUNDS INTERNATIONAL AMERICAN FUNDS U.S. GOVERNMENT/AAA-RATED SECURITIES
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------ ------------------------------------------------------
2011 2010 2009 2011 2010 2009
--------- ---------------------- --------- -------- ---------------------- ----------------------
Units beginning of year 27,930 17,214 2,335 1,810 4,564 1,808
Units issued and
transferred from
other funding options 306 13,635 16,414 1,074 398 4,273
Units redeemed and
transferred to other
funding options (7,197) (2,919) (1,535) (859) (3,152) (1,517)
--------- ---------------------- --------- -------- ---------------------- ----------------------
Units end of year 21,039 27,930 17,214 2,025 1,810 4,564
========= ====================== ========= ======== ====================== ======================
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
178
ALLIANCEBERNSTEIN INTERNATIONAL VALUE AMERICAN CENTURY VP VISTA
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------- -----------------------------------
2011 2010 (b) 2011 2010 2009
------- ----------------------------- --------- -------------- ----------
73 -- 5,360 13,115 8,686
6 73 753 2,722 17,746
(70) -- (5,434) (10,477) (13,317)
------- ----------------------------- --------- -------------- ----------
9 73 679 5,360 13,115
======= ============================= ========= ============== ==========
AMERICAN FUNDS GROWTH AMERICAN FUNDS GROWTH-INCOME
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------ -------------------------------------------
2011 2010 2009 2011 2010 2009
------------ --------------- ------------- ------------ ---------------- -------------
1,411,108 1,419,237 1,382,286 1,483,095 1,491,242 1,461,879
236,308 1,491,854 1,183,014 249,184 1,511,750 1,196,222
(294,359) (1,499,983) (1,146,063) (278,334) (1,519,897) (1,166,859)
------------ --------------- ------------- ------------ ---------------- -------------
1,353,057 1,411,108 1,419,237 1,453,945 1,483,095 1,491,242
============ =============== ============= ============ ================ =============
DREYFUS VIF INTERNATIONAL VALUE FIDELITY VIP ASSET MANAGER: GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------- ------------------------------------
2011 2010 2009 2011 2010 2009
--------- ------------ ---------- ---------- -------------- ----------
16,502 21,676 33,156 172,460 181,097 126,890
99 505 2,909 17,093 24,042 70,300
(448) (5,679) (14,389) (51,437) (32,679) (16,093)
--------- ------------ ---------- ---------- -------------- ----------
16,153 16,502 21,676 138,116 172,460 181,097
========= ============ ========== ========== ============== ==========
179
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
7. SCHEDULES OF UNITS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009:
FIDELITY VIP CONTRAFUND FIDELITY VIP EQUITY-INCOME
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------ -----------------------------------
2011 2010 2009 2011 2010 2009
---------- -------------- ---------- ---------- ------------- ----------
Units beginning of year 190,755 332,757 218,160 17,040 23,778 72,691
Units issued and
transferred from
other funding options 22,512 43,442 153,261 2,435 4,102 10,561
Units redeemed and
transferred to other
funding options (55,817) (185,444) (38,664) (17,926) (10,840) (59,474)
---------- -------------- ---------- ---------- ------------- ----------
Units end of year 157,450 190,755 332,757 1,549 17,040 23,778
========== ============== ========== ========== ============= ==========
FIDELITY VIP
FIDELITY VIP FREEDOM 2030 FREEDOM 2050
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------- -----------------------
2011 2010 2009 2011 (c)
--------- ---------- ------ ------------------------
Units beginning of year 9,011 3,665 3,324 --
Units issued and
transferred from
other funding options 2,929 9,042 372 1,494
Units redeemed and
transferred to other
funding options (5,912) (3,696) (31) (2)
--------- ---------- ------ ------------------------
Units end of year 6,028 9,011 3,665 1,492
========= ========== ====== ========================
FIDELITY VIP MID CAP FTVIPT MUTUAL GLOBAL DISCOVERY SECURITIES
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------- --------------------------------------------
2011 2010 2009 2011 2010 2009
--------- ------------ --------- ---------- ---------------------- -----------
Units beginning of year 16,733 10,051 2,071 53,444 54,588 140,006
Units issued and
transferred from
other funding options 12,194 7,750 9,260 9,519 32,229 28,222
Units redeemed and
transferred to other
funding options (3,985) (1,068) (1,280) (18,337) (33,373) (113,640)
--------- ------------ --------- ---------- ---------------------- -----------
Units end of year 24,942 16,733 10,051 44,626 53,444 54,588
========= ============ ========= ========== ====================== ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
180
FIDELITY VIP FREEDOM 2010 FIDELITY VIP FREEDOM 2020
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------ -----------------------------
2011 2010 2009 2011 2010 2009
------------ ------------- --------- --------- --------- ---------
3,002 1,541 3,089 56,297 56,341 4,617
246 1,471 21 121 829 52,551
(10) (10) (1,569) (2,904) (873) (827)
------------ ------------- --------- --------- --------- ---------
3,238 3,002 1,541 53,514 56,297 56,341
============ ============= ========= ========= ========= =========
FIDELITY VIP HIGH INCOME FIDELITY VIP INVESTMENT GRADE BOND
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------- ----------------------------------
2011 2010 2009 (d) 2011 2010 2009
------------ --------- --------- ---------- ---------- ------------
294 3,001 -- 38,436 18,087 3,908
2,406 -- 3,022 120,433 87,556 31,638
(23) (2,707) (21) (41,816) (67,207) (17,459)
------------ --------- --------- ---------- ---------- ------------
2,677 294 3,001 117,053 38,436 18,087
============ ========= ========= ========== ========== ============
FTVIPT TEMPLETON FOREIGN SECURITIES FTVIPT TEMPLETON GLOBAL BOND SECURITIES
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------- --------------------------------------
2011 2010 2009 2011 2010 2011 (e)
----------- --------------- ----------- ---------- ------------- -------------
558,309 520,792 527,866 179 204 --
26,853 75,062 104,859 25,202 11,325 213
(381,387) (37,545) (111,933) (11,377) (11,350) (9)
----------- --------------- ----------- ---------- ------------- -------------
203,775 558,309 520,792 14,004 179 204
=========== =============== =========== ========== ============= ==============
181
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
7. SCHEDULES OF UNITS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009:
GOLDMAN SACHS MID-CAP VALUE GOLDMAN SACHS STRUCTURED SMALL CAP EQUITY
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------- --------------------------------------------
2011 2010 2009 2011 2010 2009
--------- ---------------------- ---------- -------- ---------------------- ------------
Units beginning of year 24,643 27,552 102,102 4,258 7,623 6,818
Units issued and
transferred from
other funding options -- 1 -- 38 436 2,806
Units redeemed and
transferred to other
funding options (5,409) (2,910) (74,550) (148) (3,801) (2,001)
--------- ---------------------- ---------- -------- ---------------------- ------------
Units end of year 19,234 24,643 27,552 4,148 4,258 7,623
========= ====================== ========== ======== ====================== ============
INVESCO V.I. INTERNATIONAL GROWTH INVESCO V.I. VAN KAMPEN COMSTOCK
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------- -----------------------------------
2011 2010 2009 (d) 2011 2010 (g)
---------- ---------------------- ---------- --------- -------------------------
Units beginning of year 14,201 1,080 -- 2,966 --
Units issued and
transferred from
other funding options 320 20,685 1,114 15,242 2,966
Units redeemed and
transferred to other
funding options (13,213) (7,564) (34) (257) --
---------- ---------------------- ---------- --------- -------------------------
Units end of year 1,308 14,201 1,080 17,951 2,966
========== ====================== ========== ========= =========================
JANUS ASPEN JANUS JANUS ASPEN OVERSEAS
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------- --------------------------------------------
2011 2010 2009 2011 2010 2009
----------- ---------------------- ---------- ----------- ---------------------- ---------
Units beginning of year 741,523 718,894 685,791 11,481 3,135 1,777
Units issued and
transferred from
other funding options 640 65,451 77,949 181,594 9,125 5,289
Units redeemed and
transferred to other
funding options (656,372) (42,822) (44,846) (177,539) (779) (3,931)
----------- ---------------------- ---------- ----------- ---------------------- ---------
Units end of year 85,791 741,523 718,894 15,536 11,481 3,135
=========== ====================== ========== =========== ====================== =========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
182
INVESCO V.I.
GOVERNMENT
INVESCO V.I. GLOBAL REAL ESTATE SECURITIES
INVESTMENT DIVISION INVESTMENT DIVISION
--------------------------------------------- ----------------------
2011 2010 2009 2011 (f)
---------- ----------------------- ---------- ----------------------
54,093 59,960 76,172 --
34,742 6,829 18,609 8,213
(34,833) (12,696) (34,821) (6,643)
---------- ----------------------- ---------- ----------------------
54,002 54,093 59,960 1,570
========== ======================= ========== ======================
JANUS ASPEN BALANCED JANUS ASPEN FORTY
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------- --------------------------------------------
2011 2010 2009 2011 2010 2009
---------- ---------------------- --------- ---------- ---------------------- ----------
155,834 99,381 20,633 73,218 61,130 45,182
8,172 79,900 81,253 4,044 22,591 39,687
(82,484) (23,447) (2,505) (31,646) (10,503) (23,739)
---------- ---------------------- --------- ---------- ---------------------- ----------
81,522 155,834 99,381 45,616 73,218 61,130
========== ====================== ========= ========== ====================== ==========
MFS VIT GLOBAL EQUITY MFS VIT HIGH INCOME
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------- --------------------------------------------
2011 2010 2009 2011 2010 2009
---------- ---------------------- --------- ------------- ---------------- -------------
14,222 5,543 5,386 9,020 9,209 354
851 11,271 2,627 1 106 9,330
(14,717) (2,592) (2,470) (125) (295) (475)
---------- ---------------------- --------- ------------- ---------------- -------------
356 14,222 5,543 8,896 9,020 9,209
========== ====================== ========= ============= ================ =============
183
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
7. SCHEDULES OF UNITS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009:
MFS VIT NEW DISCOVERY MFS VIT VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------ -----------------------------------
2011 2010 2009 2011 2010 2009
------------ ----------- ----------- --------- ------------ ------------
Units beginning of year 7,814 396 249 5,577 5,803 6,081
Units issued and
transferred from
other funding options 359 7,766 864 -- -- --
Units redeemed and
transferred to other
funding options (254) (348) (717) (2,439) (226) (278)
------------ ----------- ----------- --------- ------------ ------------
Units end of year 7,919 7,814 396 3,138 5,577 5,803
============ =========== =========== ========= ============ ============
MIST AMERICAN FUNDS MODERATE ALLOCATION MIST BLACKROCK LARGE CAP CORE
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------ --------------------------------------------------
2011 2010 2009 2011 2010 2009
--------- ---------------------- --------- ------------- ---------------------- -------------
Units beginning of year 23,584 9,961 593 13,468,383 14,107,746 14,670,780
Units issued and
transferred from
other funding options 16,729 29,424 11,392 1,797,760 9,046,176 6,882,314
Units redeemed and
transferred to other
funding options (2,607) (15,801) (2,024) (2,503,416) (9,685,539) (7,445,348)
--------- ---------------------- --------- ------------- ---------------------- -------------
Units end of year 37,706 23,584 9,961 12,762,727 13,468,383 14,107,746
========= ====================== ========= ============= ====================== =============
MIST HARRIS OAKMARK INTERNATIONAL MIST INVESCO SMALL CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- ---------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------- ---------- ---------------------- -----------
Units beginning of year 1,473,309 1,439,875 1,337,674 280,254 268,049 230,618
Units issued and
transferred from
other funding options 324,563 1,994,881 1,598,848 85,976 345,354 285,386
Units redeemed and
transferred to other
funding options (314,680) (1,961,447) (1,496,647) (86,976) (333,149) (247,955)
------------ ---------------------- ------------- ---------- ---------------------- -----------
Units end of year 1,483,192 1,473,309 1,439,875 279,254 280,254 268,049
============ ====================== ============= ========== ====================== ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
184
MIST AMERICAN FUNDS BALANCED ALLOCATION MIST AMERICAN FUNDS GROWTH ALLOCATION
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------- -------------------------------------------
2011 2010 2009 2011 2010 2009
---------- ---------------------- ---------- ---------- ---------------------- ---------
41,296 23,102 1,427 71,574 15,564 2,439
21,131 70,685 44,911 22,942 90,305 17,809
(11,661) (52,491) (23,236) (11,699) (34,295) (4,684)
---------- ---------------------- ---------- ---------- ---------------------- ---------
50,766 41,296 23,102 82,817 71,574 15,564
========== ====================== ========== ========== ====================== =========
MIST CLARION GLOBAL REAL ESTATE MIST DREMAN SMALL CAP VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------ -------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------- ------------- ------------ --------------- -------
1,342,988 1,332,507 1,247,223 1,705 1,271 11
277,732 1,901,957 1,551,482 1,121 1,222 22,145
(308,897) (1,891,476) (1,466,198) (346) (788) (20,885)
------------ ---------------- ------------- ------------ --------------- -------
1,311,823 1,342,988 1,332,507 2,480 1,705 1,271
============ ================ ============= ============ =============== =======
MIST JANUS FORTY MIST LAZARD MID CAP
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------- -------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------- ------------- ----------- -------------- -----------
1,185,626 1,122,196 943,170 360,447 362,314 371,732
250,215 2,258,407 1,816,405 109,194 450,103 378,306
(342,207) (2,194,977) (1,637,379) (111,235) (451,970) (387,724)
------------ ---------------- ------------- ----------- -------------- -----------
1,093,634 1,185,626 1,122,196 358,406 360,447 362,314
============ ================ ============= =========== ============== ===========
185
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
7. SCHEDULES OF UNITS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009:
MIST LEGG MASON CLEARBRIDGE AGGRESSIVE GROWTH MIST LORD ABBETT BOND DEBENTURE
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------ ------------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------ ------------ ---------------------- ------------
Units beginning of year 888,257 918,435 929,444 1,222,207 1,300,112 1,205,110
Units issued and
transferred from
other funding options 760,794 862,843 681,902 200,137 833,058 736,059
Units redeemed and
transferred to other
funding options (295,500) (893,021) (692,911) (337,033) (910,963) (641,057)
------------ ---------------------- ------------ ------------ ---------------------- ------------
Units end of year 1,353,551 888,257 918,435 1,085,311 1,222,207 1,300,112
============ ====================== ============ ============ ====================== ============
MIST MET/FRANKLIN MUTUAL SHARES MIST MET/FRANKLIN TEMPLETON FOUNDING STRATEGY
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------ ------------------------------------------------
2011 2010 2009 2011 2010 2009
-------- ------------------ -------- --------- ---------------------- ---------------
Units beginning of year 6,134 2,904 1,208 25,753 21,298 1,503
Units issued and
transferred from
other funding options 3,078 6,436 2,223 3,131 55,695 44,058
Units redeemed and
transferred to other
funding options (595) (3,206) (527) (1,191) (51,240) (24,263)
-------- ------------------ -------- --------- ---------------------- ---------------
Units end of year 8,617 6,134 2,904 27,693 25,753 21,298
======== ================== ======== ========= ====================== ===============
MIST MFS RESEARCH INTERNATIONAL MIST MORGAN STANLEY MID CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------- ------------------------------------------
2011 2010 2009 2011 2010 2009
----------- ---------------------- ----------- ------------- ------------------ ---------
Units beginning of year 838,110 885,756 870,603 13,121,650 23,317 1,987
Units issued and
transferred from
other funding options 223,953 1,201,606 996,145 1,773,282 24,103,485 23,232
Units redeemed and
transferred to other
funding options (241,725) (1,249,252) (980,992) (2,538,198) (11,005,152) (1,902)
----------- ---------------------- ----------- ------------- ------------------ ---------
Units end of year 820,338 838,110 885,756 12,356,734 13,121,650 23,317
=========== ====================== =========== ============= ================== =========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
186
MIST LORD ABBETT MID CAP VALUE MIST MET/FRANKLIN INCOME
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------- ------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ---------- --------- ---------------------- ---------
7,974 9,319 10,463 13,040 5,364 2,408
1,279 620 12,325 7,842 13,379 4,293
(253) (1,965) (13,469) (889) (5,703) (1,337)
------------ ---------------------- ---------- --------- ---------------------- ---------
9,000 7,974 9,319 19,993 13,040 5,364
============ ====================== ========== ========= ====================== =========
MIST METLIFE MIST MFS
AGGRESSIVE EMERGING
MIST MET/TEMPLETON GROWTH STRATEGY MARKETS EQUITY
INVESTMENT DIVISION INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------- ------------------- -------------------
2011 2010 2009 2011 (f) 2011 (f)
------- ----------- -------- ------------------- -------------------
5,088 2,173 480 -- --
1,929 5,903 2,325 1,234,168 2,117
(1,003) (2,988) (632) (184,382) (47)
------- ----------- -------- ------------------- -------------------
6,014 5,088 2,173 1,049,786 2,070
======= =========== ======== =================== ===================
MIST OPPENHEIMER CAPITAL APPRECIATION MIST PIMCO INFLATION PROTECTED BOND
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------- -------------------------------------------
2011 2010 2009 2011 2010 2009
---------- ----------------- ----------- ----------- ----------------- -------------
155,354 155,544 114,986 653,613 618,801 523,888
52,806 284,133 234,271 288,475 1,507,168 1,226,809
(54,766) (284,323) (193,713) (241,931) (1,472,356) (1,131,896)
---------- ----------------- ----------- ----------- ----------------- -------------
153,394 155,354 155,544 700,157 653,613 618,801
========== ================= =========== =========== ================= =============
187
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
7. SCHEDULES OF UNITS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009:
MIST PIMCO TOTAL RETURN MIST PIONEER FUND
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------- -----------------------------------
2011 2010 2009 2011 2010 2009 (e)
------------ ---------------- ------------- --------- -------------- ----------
Units beginning of year 2,450,427 2,378,221 2,287,745 17,938 20,277 --
Units issued and
transferred from
other funding options 620,126 2,765,705 2,051,940 399 399 22,226
Units redeemed and
transferred to other
funding options (643,462) (2,693,499) (1,961,464) (4,857) (2,738) (1,949)
------------ ---------------- ------------- --------- -------------- ----------
Units end of year 2,427,091 2,450,427 2,378,221 13,480 17,938 20,277
============ ================ ============= ========= ============== ==========
MIST SSGA GROWTH ETF MIST T. ROWE PRICE LARGE CAP VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------- ---------------------------------------------
2011 2010 2009 2011 2010 2009
----------- ---------------------- ----------- ----------- ---------------------- ----------
Units beginning of year 237,751 181,473 59,898 601,441 585,353 569,914
Units issued and
transferred from
other funding options 190,117 355,523 247,780 1,323 46,143 58,321
Units redeemed and
transferred to other
funding options (128,753) (299,245) (126,205) (494,160) (30,055) (42,882)
----------- ---------------------- ----------- ----------- ---------------------- ----------
Units end of year 299,115 237,751 181,473 108,604 601,441 585,353
=========== ====================== =========== =========== ====================== ==========
MSF ARTIO INTERNATIONAL STOCK MSF BARCLAYS CAPITAL AGGREGATE BOND INDEX
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- ------------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------- ------------- -------------------- -------------
Units beginning of year 2,985,340 3,130,833 3,272,041 6,069,208 5,979,612 5,705,639
Units issued and
transferred from
other funding options 537,715 2,254,216 1,779,165 1,036,792 5,950,976 4,481,852
Units redeemed and
transferred to other
funding options (575,628) (2,399,709) (1,920,373) (1,738,111) (5,861,380) (4,207,879)
------------ ---------------------- ------------- ------------- -------------------- -------------
Units end of year 2,947,427 2,985,340 3,130,833 5,367,889 6,069,208 5,979,612
============ ====================== ============= ============= ==================== =============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
188
MIST RCM TECHNOLOGY MIST SSGA GROWTH AND INCOME ETF
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- --------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------- ---------- ---------------------- ----------
2,007,835 2,111,049 1,806,845 320,284 149,333 39,742
541,643 3,754,204 2,949,637 139,491 435,343 206,989
(721,355) (3,857,418) (2,645,433) (78,250) (264,392) (97,398)
------------ ---------------------- ------------- ---------- ---------------------- ----------
1,828,123 2,007,835 2,111,049 381,525 320,284 149,333
============ ====================== ============= ========== ====================== ==========
MIST T. ROWE PRICE MID CAP GROWTH MIST THIRD AVENUE SMALL CAP VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- -------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------- ---------- ---------------------- ---------
1,725,748 1,754,850 1,702,757 96,930 66,457 22,742
685,902 2,400,707 1,928,793 30,935 54,144 49,002
(453,815) (2,429,809) (1,876,700) (73,382) (23,671) (5,287)
------------ ---------------------- ------------- ---------- ---------------------- ---------
1,957,835 1,725,748 1,754,850 54,483 96,930 66,457
============ ====================== ============= ========== ====================== =========
MSF BLACKROCK AGGRESSIVE GROWTH MSF BLACKROCK BOND INCOME
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------------- -------------------------------------------------
2011 2010 2009 2011 2010 2009
------------- ---------------------- ------------- ------------ ---------------------- -------------
9,010,506 9,655,662 10,226,808 3,695,898 3,849,026 4,137,787
1,226,282 5,730,219 4,486,979 476,235 2,545,294 1,958,068
(1,623,521) (6,375,375) (5,058,125) (723,318) (2,698,422) (2,246,829)
------------- ---------------------- ------------- ------------ ---------------------- -------------
8,613,267 9,010,506 9,655,662 3,448,815 3,695,898 3,849,026
============= ====================== ============= ============ ====================== =============
189
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
7. SCHEDULES OF UNITS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009:
MSF BLACKROCK DIVERSIFIED MSF BLACKROCK LARGE CAP VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------------- -------------------------------------------------
2011 2010 2009 2011 2010 2009
------------- ---------------------- ------------- ------------ ---------------------- -------------
Units beginning of year 10,826,228 11,480,151 12,136,197 1,026,360 1,018,697 924,995
Units issued and
transferred from
other funding options 1,401,995 7,504,390 5,841,981 229,911 1,430,731 1,160,670
Units redeemed and
transferred to other
funding options (2,004,555) (8,158,313) (6,498,027) (219,607) (1,423,068) (1,066,968)
------------- ---------------------- ------------- ------------ ---------------------- -------------
Units end of year 10,223,668 10,826,228 11,480,151 1,036,664 1,026,360 1,018,697
============= ====================== ============= ============ ====================== =============
MSF DAVIS VENTURE VALUE MSF FI VALUE LEADERS
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- ----------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------- ----------- ---------------------- -----------
Units beginning of year 1,632,869 1,661,533 1,580,625 493,819 478,934 451,406
Units issued and
transferred from
other funding options 320,460 1,634,097 1,319,611 119,587 576,474 447,507
Units redeemed and
transferred to other
funding options (383,606) (1,662,761) (1,238,703) (123,858) (561,589) (419,979)
------------ ---------------------- ------------- ----------- ---------------------- -----------
Units end of year 1,569,723 1,632,869 1,661,533 489,548 493,819 478,934
============ ====================== ============= =========== ====================== ===========
MSF LOOMIS SAYLES SMALL CAP GROWTH MSF MET/ARTISAN MID CAP VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------- ---------------------------------------------
2011 2010 2009 2011 2010 2009
---------------- ----------------- ----------- ---------------- ---------------- -----------
Units beginning of year 597,616 592,149 579,322 222,836 191,339 196,801
Units issued and
transferred from
other funding options 204,191 595,787 456,755 55,960 303,121 142,199
Units redeemed and
transferred to other
funding options (162,053) (590,320) (443,928) (91,313) (271,624) (147,661)
---------------- ----------------- ----------- ---------------- ---------------- -----------
Units end of year 639,754 597,616 592,149 187,483 222,836 191,339
================ ================= =========== ================ ================ ===========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
190
MSF BLACKROCK LEGACY LARGE CAP GROWTH MSF BLACKROCK MONEY MARKET
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------- --------------------------------------------------
2011 2010 2009 2011 2010 2009
----------- ---------------------- ----------- ------------- ---------------------- -------------
494,998 480,438 413,693 1,663,896 1,962,757 3,533,477
231,277 793,080 696,623 607,896 1,839,931 1,181,172
(192,473) (778,520) (629,878) (1,108,460) (2,138,792) (2,751,892)
----------- ---------------------- ----------- ------------- ---------------------- -------------
533,802 494,998 480,438 1,163,332 1,663,896 1,962,757
=========== ====================== =========== ============= ====================== =============
MSF JENNISON GROWTH MSF LOOMIS SAYLES SMALL CAP CORE
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------ --------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------ ---------- ---------------------- ----------
1,234,658 1,148,604 1,170,101 115,539 116,312 116,157
212,585 1,009,921 646,258 19,557 70,304 70,176
(380,769) (923,867) (667,755) (39,147) (71,077) (70,021)
------------ ---------------------- ------------ ---------- ---------------------- ----------
1,066,474 1,234,658 1,148,604 95,949 115,539 116,312
============ ====================== ============ ========== ====================== ==========
MSF METLIFE CONSERVATIVE ALLOCATION MSF METLIFE CONSERVATIVE TO MODERATE ALLOCATION
INVESTMENT DIVISION INVESTMENT DIVISION
-------------------------------------------- ----------------------------------------------------
2011 2010 2009 2011 2010 2009
----------- ---------------------- ----------- ----------- ---------------------- ---------------
281,025 179,332 133,696 523,187 443,689 336,506
187,246 672,097 463,545 194,728 852,775 631,508
(174,309) (570,404) (417,909) (226,796) (773,277) (524,325)
----------- ---------------------- ----------- ----------- ---------------------- ---------------
293,962 281,025 179,332 491,119 523,187 443,689
=========== ====================== =========== =========== ====================== ===============
191
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
7. SCHEDULES OF UNITS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009:
MSF METLIFE MID CAP STOCK INDEX MSF METLIFE MODERATE ALLOCATION
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- -------------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------- ------------ ---------------------- -------------
Units beginning of year 3,223,737 3,313,158 3,450,115 2,825,563 2,488,914 2,031,439
Units issued and
transferred from
other funding options 578,839 3,107,108 2,443,661 818,677 4,421,202 3,488,092
Units redeemed and
transferred to other
funding options (661,737) (3,196,529) (2,580,618) (593,430) (4,084,553) (3,030,617)
------------ ---------------------- ------------- ------------ ---------------------- -------------
Units end of year 3,140,839 3,223,737 3,313,158 3,050,810 2,825,563 2,488,914
============ ====================== ============= ============ ====================== =============
MSF MFS TOTAL RETURN MSF MFS VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------------------------------- -----------------------------------------------
2011 2010 2009 2011 2010 2009
----------- ---------------------- ----------- ------------ ---------------------- -------------
Units beginning of year 568,106 580,613 469,855 3,975,344 4,056,273 4,061,727
Units issued and
transferred from
other funding options 110,243 701,621 595,895 685,905 3,454,529 2,678,033
Units redeemed and
transferred to other
funding options (149,872) (714,128) (485,137) (832,421) (3,535,458) (2,683,487)
----------- ---------------------- ----------- ------------ ---------------------- -------------
Units end of year 528,477 568,106 580,613 3,828,828 3,975,344 4,056,273
=========== ====================== =========== ============ ====================== =============
MSF NEUBERGER BERMAN MID CAP VALUE MSF OPPENHEIMER GLOBAL EQUITY
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- -------------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------- ------------ ---------------------- -------------
Units beginning of year 3,179,105 3,292,949 3,355,424 2,044,692 2,111,250 2,250,790
Units issued and
transferred from
other funding options 498,738 3,046,306 2,427,646 348,871 1,375,412 1,043,645
Units redeemed and
transferred to other
funding options (637,055) (3,160,150) (2,490,121) (475,051) (1,441,970) (1,183,185)
------------ ---------------------- ------------- ------------ ---------------------- -------------
Units end of year 3,040,788 3,179,105 3,292,949 1,918,512 2,044,692 2,111,250
============ ====================== ============= ============ ====================== =============
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
192
MSF METLIFE MODERATE TO AGGRESSIVE ALLOCATION MSF METLIFE STOCK INDEX
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------ -----------------------------------------------------
2011 2010 2009 2011 2010 2009
------------- ---------------------- ------------- ------------- ---------------------- --------------
5,118,269 4,732,679 3,956,910 36,664,506 36,924,505 36,120,853
1,298,976 8,011,177 6,445,005 5,857,273 25,845,802 21,105,595
(1,017,009) (7,625,587) (5,669,236) (6,220,079) (26,105,801) (20,301,943)
------------- ---------------------- ------------- ------------- ---------------------- --------------
5,400,236 5,118,269 4,732,679 36,301,700 36,664,506 36,924,505
============= ====================== ============= ============= ====================== ==============
MSF MORGAN STANLEY EAFE INDEX MSF NEUBERGER BERMAN GENESIS
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- -------------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------- ------------ ---------------------- -------------
4,717,340 4,618,467 4,548,869 4,111,864 4,279,459 4,285,033
1,183,779 5,171,804 3,949,991 590,730 3,571,339 2,810,773
(990,468) (5,072,931) (3,880,393) (786,998) (3,738,934) (2,816,347)
------------ ---------------------- ------------- ------------ ---------------------- -------------
4,910,651 4,717,340 4,618,467 3,915,596 4,111,864 4,279,459
============ ====================== ============= ============ ====================== =============
MSF RUSSELL 2000 INDEX MSF T. ROWE PRICE LARGE CAP GROWTH
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- -------------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------- ------------ ---------------------- -------------
2,808,600 2,972,133 2,979,566 3,148,378 3,409,767 3,522,287
516,402 2,633,026 2,105,103 503,272 2,659,923 2,114,300
(671,877) (2,796,559) (2,112,536) (696,890) (2,921,312) (2,226,820)
------------ ---------------------- ------------- ------------ ---------------------- -------------
2,653,125 2,808,600 2,972,133 2,954,760 3,148,378 3,409,767
============ ====================== ============= ============ ====================== =============
193
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
7. SCHEDULES OF UNITS -- (CONTINUED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009:
MSF VAN ECK
GLOBAL NATURAL
MSF T. ROWE PRICE SMALL CAP GROWTH RESOURCES
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------- ----------------------
2011 2010 2009 2011 (f)
------------ ---------------------- ------------- ----------------------
Units beginning of year 4,055,742 4,272,691 4,498,247 --
Units issued and
transferred from
other funding options 645,717 2,453,679 1,930,920 83
Units redeemed and
transferred to other
funding options (762,735) (2,670,628) (2,156,476) (2)
------------ ---------------------- ------------- ----------------------
Units end of year 3,938,724 4,055,742 4,272,691 81
============ ====================== ============= ======================
PIMCO VIT
ALL ASSET
INVESTMENT PIMCO VIT LOW DURATION
DIVISION INVESTMENT DIVISION
------------- -------------------------------------------
2011 (f) 2011 2010 2009 (e)
------------- --------- ---------------------- ----------
Units beginning of year -- 65,497 66,450 --
Units issued and
transferred from
other funding options 8,680 16,680 -- 66,978
Units redeemed and
transferred to other
funding options (31) (1,813) (953) (528)
------------- --------- ---------------------- ----------
Units end of year 8,649 80,364 65,497 66,450
============= ========= ====================== ==========
ROYCE MICRO-CAP ROYCE SMALL-CAP
INVESTMENT DIVISION INVESTMENT DIVISION
---------------------- --------------------------------------------
2011 2010 (b) 2011 2010 2009 (h)
--------- ------------ ---------- ---------------------- ----------
Units beginning of year 19,226 -- 26,235 4,703 --
Units issued and
transferred from
other funding options 1,095 19,549 66,609 35,416 4,771
Units redeemed and
transferred to other
funding options (848) (323) (40,769) (13,884) (68)
--------- ------------ ---------- ---------------------- ----------
Units end of year 19,473 19,226 52,075 26,235 4,703
========= ============ ========== ====================== ==========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
194
MSF WESTERN ASSET MANAGEMENT MSF WESTERN ASSET MANAGEMENT
STRATEGIC BOND OPPORTUNITIES U.S. GOVERNMENT
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------------ -------------------------------------------------
2011 2010 2009 2011 2010 2009
------------ ---------------------- ------------ ------------ ---------------------- -------------
1,145,809 1,115,618 1,106,833 1,021,769 1,063,071 1,059,598
190,447 1,232,736 931,022 193,206 1,297,550 1,058,237
(267,433) (1,202,545) (922,237) (257,910) (1,338,852) (1,054,764)
------------ ---------------------- ------------ ------------ ---------------------- -------------
1,068,823 1,145,809 1,115,618 957,065 1,021,769 1,063,071
============ ====================== ============ ============ ====================== =============
C>
PIONEER VCT EMERGING MARKETS PIONEER VCT MID CAP VALUE
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------- ------------------------------------------------------
2011 2010 2009 2011 2010 2009 (d)
---------- ---------------------- --------- ------------------ ---------------- ------------------
41,431 37,577 13,031 2,302 586 --
15,775 11,637 26,780 1,144 1,815 604
(35,090) (7,783) (2,234) (140) (99) (18)
---------- ---------------------- --------- ------------------ ---------------- ------------------
22,116 41,431 37,577 3,306 2,302 586
========== ====================== ========= ================= ================ ==================
UIF EMERGING MARKETS DEBT UIF EMERGING MARKETS EQUITY
INVESTMENT DIVISION INVESTMENT DIVISION
------------------------------------------- ----------------------------------------------------
2011 2010 2009 (h) 2011 2010 2009 (h)
--------- ---------------------- ---------- ------------------ ---------------------- ----------
259 223 -- 13,018 442 --
14,310 79 302 46,847 13,146 714
(686) (43) (79) (16,430) (570) (272)
--------- ---------------------- ---------- ------------------ ---------------------- ----------
13,883 259 223 43,435 13,018 442
========= ====================== ========== ================== ====================== ==========
195
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
7. SCHEDULES OF UNITS -- (CONCLUDED)
FOR THE YEARS ENDED DECEMBER 31, 2011, 2010 AND 2009:
WELLS FARGO VT TOTAL RETURN BOND
INVESTMENT DIVISION
----------------------------------------------
2011 2010 2009
---------- ------------------------ ----------
Units beginning of year 75,281 39,845 15,329
Units issued and
transferred from
other funding options 4,877 56,222 36,270
Units redeemed and
transferred to other
funding options (71,469) (20,786) (11,754)
---------- ------------------------ ----------
Units end of year 8,689 75,281 39,845
========== ======================== ==========
(a) Commenced on May 1, 2005 and began transactions in 2009.
(b) Commenced on November 10, 2008 and began transactions in 2010.
(c) Commenced on May 4, 2009 and began transactions in 2011.
(d) Commenced on April 28, 2008 and began transactions in 2009.
(e) For the period May 4, 2009 to December 31, 2009.
(f) For the period May 2, 2011 to December 31, 2011.
(g) For the period May 3, 2010 to December 31, 2010.
(h) Commenced on November 10, 2008 and began transactions in 2009.
196
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
8. FINANCIAL HIGHLIGHTS
The Company sells a number of variable life products, which have unique
combinations of features and fees, some of which directly affect the unit
values of the Investment Divisions. Differences in the fee structures result in
a variety of unit values, expense ratios, and total returns.
The following is a summary of unit values and units outstanding for the
Policies, net investment income ratios, and expense ratios, excluding expenses
for the underlying portfolio, series, or fund for the respective stated periods
in the five years ended December 31, 2011:
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
------------------------------------ ---------------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
--------- -------------- ----------- ------------- ----------- -------------------
AllianceBernstein Global 2011 914,212 4.70 4,293,695 0.43 0.00 (23.40)
Thematic Growth Investment 2010 19,486 6.13 119,488 1.84 0.00 18.58
Division 2009 25,043 5.17 129,504 -- 0.00 53.14
2008 14,644 3.38 49,447 -- 0.00 (47.48)
2007 8,261 6.43 53,097 -- 0.00 19.96
AllianceBernstein 2011 3,232 14.63 47,286 4.56 0.00 6.38
Intermediate Bond Investment 2010 3,146 13.75 43,265 5.90 0.00 8.93
Division (Commenced 5/1/2005 2009 2,242 12.62 28,308 4.18 0.00 18.20
and began transactions in 2009)
AllianceBernstein International 2011 9 15.08 141 1.92 0.00 (19.25)
Value Investment Division 2010 73 18.68 1,357 2.40 0.00 13.41
(Commenced 11/10/2008
and began transactions in 2010)
American Century VP Vista 2011 679 12.74 8,654 -- 0.00 (7.90)
Investment Division 2010 5,360 13.83 74,155 -- 0.00 23.88
2009 13,115 11.17 146,455 -- 0.00 22.47
2008 8,686 9.12 79,193 -- 0.00 (48.63)
2007 1,642 17.75 29,133 -- 0.00 39.76
American Funds Bond 2011 367,699 11.99 - 21.23 4,735,459 3.08 0.00 - 0.90 5.15 - 6.10
Investment Division 2010 361,073 11.41 - 20.00 4,365,031 3.15 0.00 - 0.90 5.49 - 6.44
2009 335,183 10.81 - 18.79 3,760,642 3.37 0.90 11.60 - 12.61
2008 317,147 9.69 - 16.69 3,143,128 5.80 0.90 (10.12) - (9.37)
2007 291,647 10.78 - 10.95 3,182,415 10.03 0.90 6.52 - 7.56
American Funds Global Small 2011 2,037,588 23.74 - 30.03 52,474,989 1.33 0.00 - 0.90 (19.87) - (19.14)
Capitalization Investment 2010 2,114,920 29.62 - 37.13 67,405,353 1.74 0.00 - 0.90 21.32 - 22.41
Division 2009 2,152,577 24.42 - 30.34 56,054,284 0.29 0.90 59.85 - 61.30
2008 2,098,117 15.27 - 18.81 33,880,750 -- 0.90 (53.94) - (48.89)
2007 1,945,062 33.16 - 35.20 67,615,279 3.01 0.90 20.32 - 21.42
American Funds Growth 2011 1,353,057 20.02 - 219.03 118,199,510 0.61 0.00 - 0.90 (5.13) - (4.27)
Investment Division 2010 1,411,108 20.92 - 228.81 127,437,855 0.73 0.00 - 0.90 17.62 - 18.68
2009 1,419,237 17.62 - 192.80 109,197,492 0.67 0.90 38.16 - 39.41
2008 1,382,286 12.64 - 138.29 76,515,292 0.86 0.90 (44.47) - 27.72
2007 1,218,654 94.52 - 100.35 121,273,017 0.82 0.90 11.33 - 12.35
American Funds Growth-Income 2011 1,453,945 44.65 - 149.67 71,256,817 1.57 0.00 - 0.90 (2.71) - (1.83)
Investment Division 2010 1,483,095 45.89 - 152.46 73,861,194 1.51 0.00 - 0.90 10.43 - 11.43
2009 1,491,242 41.56 - 136.83 66,537,414 1.65 0.90 30.07 - 31.24
2008 1,461,879 31.95 - 104.26 49,610,668 1.79 0.90 (38.41) - (35.35)
2007 1,381,044 51.88 - 55.07 75,370,228 1.59 0.90 4.11 - 5.04
197
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
8. FINANCIAL HIGHLIGHTS -- (CONTINUED)
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
-------------------------------- ---------------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
------- ------------- ---------- ------------- ----------- -------------------
American Funds International 2011 21,039 24.94 524,711 1.50 0.00 (13.96)
Investment Division 2010 27,930 28.99 809,625 2.23 0.00 7.23
(Commenced 4/28/2008) 2009 17,214 27.03 465,344 1.51 0.00 43.07
2008 2,335 18.89 44,134 2.51 0.00 (39.19)
American Funds U.S. Government/ 2011 2,025 22.49 45,539 1.73 0.00 7.57
AAA-Rated Securities 2010 1,810 20.90 37,830 1.49 0.00 5.75
Investment Division 2009 4,564 19.77 90,231 3.32 0.00 2.50
(Commenced 4/28/2008) 2008 1,808 19.29 34,883 2.26 0.00 6.61
Dreyfus VIF International 2011 16,153 11.40 184,061 1.88 0.00 (18.76)
Value Investment Division 2010 16,502 14.03 231,464 1.53 0.00 4.22
2009 21,676 13.45 291,742 3.77 0.00 30.67
2008 33,156 10.30 341,560 2.14 0.00 (37.50)
2007 42,550 16.48 701,093 1.66 0.00 3.97
Fidelity VIP Asset Manager: 2011 138,116 10.36 1,430,516 1.33 0.00 (6.27)
Growth Investment Division 2010 172,460 11.05 1,905,608 1.12 0.00 16.18
2009 181,097 9.51 1,722,435 1.60 0.00 32.79
2008 126,890 7.16 908,867 1.87 0.00 (35.88)
2007 112,746 11.17 1,259,390 4.07 0.00 18.83
Fidelity VIP Contrafund 2011 157,450 13.67 2,151,649 0.83 0.00 (2.64)
Investment Division 2010 190,755 14.04 2,677,373 0.96 0.00 17.11
2009 332,757 11.99 3,988,185 1.48 0.00 35.66
2008 218,160 8.83 1,927,330 0.90 0.00 (42.60)
2007 188,529 15.39 2,902,318 0.91 0.00 11.44
Fidelity VIP Equity-Income 2011 1,549 12.00 18,589 0.35 0.00 0.86
Investment Division 2010 17,040 11.90 202,690 1.60 0.00 15.09
2009 23,778 10.33 245,766 1.95 0.00 30.03
2008 72,691 7.95 577,801 1.89 0.00 (42.69)
2007 87,700 13.87 1,216,664 3.23 0.00 (0.93)
Fidelity VIP Freedom 2010 2011 3,238 10.55 34,144 2.18 0.00 (0.63)
Investment Division 2010 3,002 10.61 31,860 2.67 0.00 12.45
(Commenced 4/28/2008) 2009 1,541 9.44 - 12.05 14,548 3.32 0.45 23.72 - 24.27
2008 3,089 7.63 - 9.69 23,569 6.53 0.45 (23.71) - (23.48)
Fidelity VIP Freedom 2020 2011 53,514 10.01 - 13.53 699,714 2.10 0.00 (1.47) - (1.03)
Investment Division 2010 56,297 10.16 - 13.67 738,702 2.26 0.00 13.98 - 14.49
(Commenced 4/28/2008) 2009 56,341 8.91 - 11.94 648,511 4.16 0.45 28.40 - 28.97
2008 4,617 6.94 - 9.26 37,721 4.51 0.45 (30.60) - (30.39)
Fidelity VIP Freedom 2030 2011 6,028 9.45 - 13.00 56,970 1.97 0.00 (3.03) - (2.59)
Investment Division 2010 9,011 9.75 - 13.35 108,191 2.42 0.00 15.56 - 16.08
(Commenced 4/28/2008) 2009 3,665 8.43 - 11.50 31,738 2.47 0.45 31.07 - 31.66
2008 3,324 6.43 - 8.74 21,387 6.89 0.45 (35.65) - (35.46)
Fidelity VIP Freedom 2050 2011 1,492 10.34 15,438 1.77 0.00 (5.36)
Investment Division
(Commenced 5/4/2009
and began transactions in 2011)
198
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
8. FINANCIAL HIGHLIGHTS -- (CONTINUED)
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
------------------------------ ----------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
------- ----------- ---------- ------------- ----------- --------------
Fidelity VIP High Income 2011 2,677 16.14 43,223 37.24 0.00 4.03
Investment Division 2010 294 15.52 4,565 4.94 0.00 13.82
(Commenced 4/28/2008 and 2009 3,001 13.63 40,915 26.74 0.00 43.96
began transactions in 2009)
Fidelity VIP Investment 2011 117,053 14.93 1,747,852 4.67 0.00 7.21
Grade Bond Investment Division 2010 38,436 13.93 535,344 4.23 0.00 7.68
2009 18,087 12.93 233,950 10.75 0.00 15.67
2008 3,908 11.18 43,701 1.19 0.00 (3.35)
2007 73,675 11.57 852,372 0.68 0.00 4.23
Fidelity VIP Mid Cap 2011 24,942 24.62 613,958 0.03 0.00 (10.85)
Investment Division 2010 16,733 27.61 462,031 0.15 0.00 28.57
(Commenced 4/28/2008) 2009 10,051 21.48 215,869 0.29 0.00 39.75
2008 2,071 15.37 31,825 0.15 0.00 (46.25)
FTVIPT Mutual Global 2011 44,626 17.56 783,835 2.31 0.00 (2.96)
Discovery Securities Investment 2010 53,444 18.10 967,332 1.39 0.00 11.96
Division 2009 54,588 16.17 882,515 0.75 0.00 23.31
2008 140,006 13.11 1,835,518 2.51 0.00 (28.44)
2007 93,103 18.32 1,706,062 1.59 0.00 11.84
FTVIPT Templeton Foreign 2011 203,775 14.83 3,021,785 1.67 0.00 (10.44)
Securities Investment Division 2010 558,309 16.56 9,244,694 2.02 0.00 8.67
2009 520,792 15.24 7,935,141 3.61 0.00 37.34
2008 527,866 11.09 5,856,168 2.58 0.00 (40.23)
2007 504,436 18.56 9,363,624 2.07 0.00 15.78
FTVIPT Templeton Global 2011 14,004 20.66 289,345 3.79 0.00 (0.61)
Bond Securities Investment 2010 179 20.79 3,728 0.20 0.00 14.71
Division (Commenced 5/4/2009) 2009 204 18.12 3,704 -- 0.00 95.55
Goldman Sachs Mid-Cap Value 2011 19,234 13.95 268,248 0.67 0.00 (6.37)
Investment Division 2010 24,643 14.90 367,089 0.70 0.00 25.00
2009 27,552 11.92 328,341 1.09 0.00 33.15
2008 102,102 8.95 913,808 1.06 0.00 (37.33)
2007 84,789 14.28 1,210,921 1.16 0.00 (0.70)
Goldman Sachs Structured 2011 4,148 12.12 50,259 0.82 0.00 0.67
Small Cap Equity Investment 2010 4,258 12.04 51,252 0.57 0.00 30.12
Division 2009 7,623 9.25 70,508 1.46 0.00 27.67
2008 6,818 7.24 49,396 0.66 0.00 (33.96)
2007 12,264 10.97 134,527 0.51 0.00 (17.46)
Invesco V.I. Global Real 2011 54,002 27.60 1,490,644 4.08 0.00 (6.51)
Estate Investment Division 2010 54,093 29.53 1,597,111 5.17 0.00 17.51
2009 59,960 25.13 1,506,522 -- 0.00 31.53
2008 76,172 19.10 1,455,085 5.47 0.00 (44.65)
2007 74,508 34.51 2,571,266 5.97 0.00 (12.34)
Invesco V.I. Government 2011 1,570 13.69 21,491 -- 0.00 7.73
Securities Investment Division
(Commenced 5/2/2011)
199
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
8. FINANCIAL HIGHLIGHTS -- (CONTINUED)
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
------------------------------ ----------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
------- ----------- ---------- ------------- ----------- --------------
Invesco V.I. International 2011 1,308 17.89 23,407 1.52 0.00 (6.74)
Growth Investment Division 2010 14,201 19.18 272,411 2.40 0.00 12.86
(Commenced 4/28/2008 and 2009 1,080 17.00 18,360 1.38 0.00 35.24
began transactions in 2009)
Invesco V.I. Van Kampen 2011 17,951 10.59 190,062 0.44 0.00 (2.11)
Comstock Investment Division 2010 2,966 10.82 32,084 -- 0.00 19.94
(Commenced 5/3/2010)
Janus Aspen Balanced 2011 81,522 16.43 1,339,788 2.04 0.00 1.36
Investment Division 2010 155,834 16.22 2,526,859 2.71 0.00 8.12
2009 99,381 15.00 1,490,464 2.93 0.00 25.58
2008 20,633 11.94 246,409 3.65 0.00 (16.08)
2007 5,625 14.23 80,035 3.00 0.00 10.31
Janus Aspen Forty 2011 45,616 15.41 703,136 0.24 0.00 (6.94)
Investment Division 2010 73,218 16.56 1,212,768 0.24 0.00 6.48
2009 61,130 15.56 950,941 0.01 0.00 46.01
2008 45,182 10.65 475,295 0.01 0.00 (44.31)
2007 27,126 19.13 518,927 0.25 0.00 36.64
Janus Aspen Janus 2011 85,791 10.00 858,094 0.24 0.00 (5.30)
Investment Division 2010 741,523 10.56 7,832,002 1.09 0.00 14.52
2009 718,894 9.22 6,630,451 0.54 0.00 36.35
2008 685,791 6.76 4,638,873 0.74 0.00 (39.71)
2007 643,417 11.22 7,219,885 0.74 0.00 15.08
Janus Aspen Overseas 2011 15,536 22.15 344,135 0.10 0.00 (32.34)
Investment Division 2010 11,481 32.74 375,851 0.73 0.00 25.02
(Commenced 4/28/2008) 2009 3,135 26.19 82,093 0.46 0.00 79.07
2008 1,777 14.62 25,984 -- 0.00 (52.68)
MFS VIT Global Equity 2011 356 15.23 5,414 0.67 0.00 (4.53)
Investment Division 2010 14,222 15.95 226,794 0.78 0.00 12.05
2009 5,543 14.23 78,884 2.04 0.00 31.80
2008 5,386 10.80 58,159 0.76 0.00 (33.95)
2007 3,948 16.35 64,569 1.71 0.00 8.93
MFS VIT High Income 2011 8,896 15.21 135,311 8.93 0.00 3.86
Investment Division 2010 9,020 14.65 132,109 7.00 0.00 14.40
2009 9,209 12.80 117,897 1.48 0.00 45.22
2008 354 8.82 3,111 10.38 0.00 (28.67)
2007 1,776 12.36 21,944 9.79 0.00 1.56
MFS VIT New Discovery 2011 7,919 15.46 122,395 -- 0.00 (10.49)
Investment Division 2010 7,814 17.27 134,923 -- 0.00 35.94
(Commenced 5/3/2004 and 2009 396 12.70 5,029 -- 0.00 62.92
began transactions in 2007) 2008 249 7.80 1,942 -- 0.00 (39.52)
2007 253 12.89 3,269 -- 0.00 2.25
200
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
8. FINANCIAL HIGHLIGHTS -- (CONTINUED)
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
------------------------------------ ---------------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
---------- ------------- ----------- ------------- ----------- -------------------
MFS VIT Value Investment 2011 3,138 14.12 44,299 1.45 0.00 (0.47)
Division 2010 5,577 14.18 79,095 1.32 0.00 11.22
(Commenced 5/3/2004 and 2009 5,803 12.75 74,001 1.24 0.00 22.45
began transactions in 2007) 2008 6,081 10.41 63,334 6.73 0.00 (32.72)
2007 2,966 15.48 45,933 -- 0.00 7.56
MIST American Funds Balanced 2011 50,766 10.16 515,995 1.44 0.00 (1.80)
Allocation Investment Division 2010 41,296 10.35 427,406 1.26 0.00 12.40
(Commenced 4/28/2008) 2009 23,102 9.21 212,728 -- 0.00 30.06
2008 1,427 7.08 10,107 5.25 0.00 (29.27)
MIST American Funds Growth 2011 82,817 9.43 781,245 1.38 0.00 (4.41)
Allocation Investment Division 2010 71,574 9.87 706,300 0.62 0.00 13.78
(Commenced 4/28/2008) 2009 15,564 8.67 134,986 -- 0.00 34.36
2008 2,439 6.45 15,747 8.38 0.00 (35.51)
MIST American Funds Moderate 2011 37,706 10.65 401,606 1.66 0.00 0.44
Allocation Investment Division 2010 23,584 10.60 250,094 1.38 0.00 10.15
(Commenced 4/28/2008) 2009 9,961 9.63 95,893 -- 0.00 23.90
2008 593 7.77 4,607 6.80 0.00 (22.46)
MIST BlackRock Large Cap 2011 12,762,727 8.43 - 36.66 291,615,739 1.12 0.00 - 0.90 (0.36) - 0.54
Core Investment Division 2010 13,468,383 8.42 - 36.79 309,489,536 1.34 0.00 - 0.90 11.73 - 12.73
(Commenced 4/30/2007) 2009 14,107,746 7.50 - 32.93 291,577,776 1.61 0.45 - 0.90 18.37 - 19.43
2008 14,670,780 6.31 - 27.82 258,799,279 0.70 0.45 - 0.90 (37.68) - (31.87)
2007 15,352,126 10.08 - 44.64 436,975,682 -- 0.45 - 0.90 0.80 - 6.77
MIST Clarion Global Real 2011 1,311,823 14.06 - 15.06 19,560,387 4.03 0.00 - 0.90 (6.12) - (5.28)
Estate Investment Division 2010 1,342,988 14.98 - 15.90 21,160,564 8.28 0.00 - 0.90 15.24 - 16.28
2009 1,332,507 13.00 - 13.68 18,066,465 3.50 0.90 33.91 - 35.12
2008 1,247,223 9.71 - 10.12 12,525,455 2.00 0.90 (44.73) - (41.56)
2007 1,071,638 16.76 - 17.32 18,432,903 1.09 0.90 (15.57) - (14.81)
MIST Dreman Small Cap Value 2011 2,480 14.49 35,938 1.63 0.00 (10.12)
Investment Division 2010 1,705 16.12 27,489 0.82 0.00 19.53
(Commenced 4/28/2008) 2009 1,271 13.49 17,136 -- 0.00 29.09
2008 11 10.45 120 -- 0.00 (25.08)
MIST Harris Oakmark 2011 1,483,192 9.53 - 18.68 27,216,742 0.03 0.00 - 0.90 (14.75) - (13.98)
International Investment Division 2010 1,473,309 20.09 - 21.72 31,544,698 2.05 0.00 - 0.90 15.63 - 16.67
2009 1,439,875 17.38 - 18.61 26,459,351 7.87 0.90 54.07 - 55.46
2008 1,337,674 11.28 - 11.97 15,844,670 1.96 0.90 (41.26) - (37.26)
2007 1,335,770 19.20 - 20.20 26,700,786 0.89 0.90 (1.74) - (0.83)
MIST Invesco Small Cap 2011 279,254 14.80 - 18.28 4,412,967 -- 0.00 - 0.90 (1.73) - (0.85)
Growth Investment Division 2010 280,254 15.06 - 18.44 4,469,898 -- 0.00 - 0.90 25.34 - 26.47
2009 268,049 12.01 - 14.58 3,392,636 -- 0.90 33.01 - 34.21
2008 230,618 9.03 - 10.86 2,187,257 -- 0.90 (38.73) - (34.43)
2007 208,985 14.84 - 15.62 3,233,322 -- 0.90 10.42 - 11.41
201
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
8. FINANCIAL HIGHLIGHTS -- (CONTINUED)
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
----------------------------------- ---------------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
--------- -------------- ---------- ------------- ----------- -------------------
MIST Janus Forty Investment 2011 1,093,634 10.07 - 329.01 12,484,277 1.80 0.00 - 0.90 (8.16) - (7.32)
Division (Commenced 4/30/2007) 2010 1,185,626 10.96 - 355.01 14,254,655 1.71 0.00 - 0.90 8.70 - 9.68
2009 1,122,196 10.08 - 323.68 12,100,411 -- 0.90 41.93 - 43.21
2008 943,170 7.10 - 226.02 6,915,393 4.58 0.90 (44.68) - (41.84)
2007 281,380 12.33 - 12.40 3,487,948 -- 0.90 23.30 - 24.00
MIST Lazard Mid Cap 2011 358,406 12.90 - 17.20 5,277,678 0.92 0.00 - 0.90 (5.98) - (5.13)
Investment Division 2010 360,447 13.62 - 18.13 5,585,124 1.05 0.00 - 0.90 22.15 - 23.25
2009 362,314 11.09 - 14.71 4,569,758 1.34 0.90 35.92 - 37.14
2008 371,732 8.11 - 10.73 3,422,640 1.17 0.90 (38.70) - (36.07)
2007 340,316 13.14 - 15.10 5,084,696 0.63 0.90 (3.37) - (2.45)
MIST Legg Mason ClearBridge 2011 1,353,551 7.98 - 9.38 12,365,794 0.08 0.00 - 0.90 (8.33) - 3.56
Aggressive Growth Investment 2010 888,257 7.56 - 9.05 7,832,576 0.06 0.00 - 0.90 22.94 - 24.05
Division 2009 918,435 6.11 - 7.30 6,533,459 0.12 0.90 32.26 - 33.45
2008 929,444 4.59 - 5.47 4,956,827 0.01 0.90 (39.49) - (36.35)
2007 893,124 7.54 - 8.82 7,804,601 0.22 0.90 1.71 - 2.56
MIST Lord Abbett Bond 2011 1,085,311 20.52 - 30.90 25,730,993 5.96 0.00 - 0.90 3.89 - 4.83
Debenture Investment Division 2010 1,222,207 19.75 - 29.48 27,673,730 6.47 0.00 - 0.90 12.16 - 13.18
2009 1,300,112 17.61 - 26.05 26,033,742 7.18 0.45 - 0.90 35.89 - 37.12
2008 1,205,110 12.96 - 19.00 17,548,678 4.38 0.45 - 0.90 (19.13) - (18.40)
2007 1,249,287 16.02 - 19.29 22,262,379 5.32 0.45 - 0.90 5.88 - 14.15
MIST Lord Abbett Mid Cap 2011 9,000 13.43 120,858 0.53 0.00 (3.69)
Value Investment Division 2010 7,974 13.94 111,190 0.58 0.00 25.53
2009 9,319 11.11 103,521 2.10 0.00 26.53
2008 10,463 8.78 91,851 0.25 0.00 (38.78)
2007 4,638 14.34 66,500 0.94 0.00 0.63
MIST Met/Franklin Income 2011 19,993 11.88 237,483 4.33 0.00 2.39
Investment Division 2010 13,040 11.60 151,292 3.26 0.00 12.13
(Commenced 4/28/2008) 2009 5,364 10.35 55,505 -- 0.00 28.05
2008 2,408 8.08 19,461 4.29 0.00 (19.19)
MIST Met/Franklin Mutual 2011 8,617 9.27 79,913 2.90 0.00 (0.27)
Shares Investment Division 2010 6,134 9.30 57,042 -- 0.00 11.23
(Commenced 4/28/2008) 2009 2,904 8.36 24,280 -- 0.00 25.15
2008 1,208 6.68 8,064 3.53 0.00 (33.20)
MIST Met/Franklin Templeton 2011 27,693 9.96 275,812 1.86 0.00 (1.45)
Founding Strategy Investment 2010 25,753 10.11 260,280 -- 0.00 10.36
Division (Commenced 4/28/2008) 2009 21,298 9.16 195,055 -- 0.00 28.84
2008 1,503 7.11 10,681 7.79 0.00 (28.92)
MIST Met/Templeton Growth 2011 6,014 8.90 53,526 1.44 0.00 (6.61)
Investment Division 2010 5,088 9.53 48,492 0.98 0.00 7.88
(Commenced 4/28/2008) 2009 2,173 8.83 19,197 0.02 0.00 33.08
2008 480 6.64 3,188 1.08 0.00 (33.62)
MIST MetLife Aggressive Strategy 2011 1,049,786 10.97 - 114.35 12,472,661 -- 0.00 - 0.90 (13.94) - (10.95)
Investment Division
(Commenced 5/2/2011)
202
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
8. FINANCIAL HIGHLIGHTS -- (CONTINUED)
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
------------------------------------ ---------------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
---------- ------------- ----------- ------------- ----------- -------------------
MIST MFS Emerging Markets Equity 2011 2,070 11.09 22,950 -- 0.00 (22.19)
Investment Division
(Commenced 5/2/2011)
MIST MFS Research International 2011 820,338 13.07 - 15.26 12,176,899 2.07 0.00 - 0.90 (11.23) - (10.44)
Investment Division 2010 838,110 14.64 - 17.04 13,920,818 1.89 0.00 - 0.90 10.65 - 11.65
2009 885,756 13.14 - 15.26 13,178,754 3.35 0.90 30.75 - 31.93
2008 870,603 9.99 - 11.57 9,814,566 2.06 0.90 (42.78) - (41.00)
2007 695,827 17.33 - 20.03 13,629,924 1.44 0.90 12.59 - 13.61
MIST Morgan Stanley Mid Cap 2011 12,356,734 6.22 - 17.47 178,350,417 0.73 0.00 - 0.90 (7.50) - (6.67)
Growth Investment Division 2010 13,121,650 6.67 - 18.71 203,754,931 -- 0.00 - 0.90 17.91 - 32.19
(Commenced 5/3/2004 and 2009 23,317 13.14 - 14.13 306,427 -- 0.00 57.27 - 57.83
began transactions in 2007) 2008 1,987 8.35 - 8.96 16,600 1.36 0.00 (46.77) - (43.85)
2007 2,000 15.69 31,371 -- 0.00 23.52
MIST Oppenheimer Capital 2011 153,394 9.79 - 11.52 1,734,835 0.34 0.00 - 0.90 (1.86) - (0.97)
Appreciation Investment Division 2010 155,354 9.89 - 11.63 1,779,611 0.66 0.00 - 0.90 8.70 - 9.68
2009 155,544 9.02 - 10.61 1,631,638 -- 0.90 42.73 - 44.02
2008 114,986 6.26 - 7.37 841,297 3.67 0.90 (46.29) - (43.37)
2007 70,634 13.27 - 13.59 955,427 0.11 0.90 13.42 - 14.49
MIST PIMCO Inflation 2011 700,157 11.56 - 17.42 10,519,501 1.74 0.00 - 0.90 10.23 - 11.49
Protected Bond Investment 2010 653,613 12.97 - 15.63 8,812,538 2.54 0.00 - 0.90 7.04 - 8.00
Division 2009 618,801 12.12 - 14.47 7,734,444 3.75 0.90 17.31 - 18.37
2008 523,888 10.33 - 12.23 5,523,166 3.28 0.90 (9.73) - (6.61)
2007 80,592 11.16 - 11.33 911,539 1.27 0.90 10.06 - 11.08
MIST PIMCO Total Return 2011 2,427,091 10.79 - 19.95 47,131,879 2.84 0.00 - 0.90 2.50 - 3.42
Investment Division 2010 2,450,427 17.69 - 19.29 46,602,262 3.66 0.00 - 0.90 7.44 - 8.41
2009 2,378,221 16.46 - 17.80 41,820,317 7.36 0.90 17.33 - 18.39
2008 2,287,745 14.03 - 15.03 34,041,059 3.92 0.90 (1.28) - 0.61
2007 2,175,489 14.07 - 14.94 32,210,481 3.46 0.90 6.91 - 7.87
MIST Pioneer Fund 2011 13,480 13.08 176,354 1.21 0.00 (4.55)
Investment Division 2010 17,938 13.71 245,860 0.90 0.00 17.93
(Commenced 5/4/2009) 2009 20,277 11.79 239,136 -- 0.00 17.93
MIST RCM Technology 2011 1,828,123 6.67 - 7.34 13,216,535 -- 0.00 - 0.90 (10.60) - (9.79)
Investment Division 2010 2,007,835 7.46 - 8.14 16,113,886 -- 0.00 - 0.90 27.12 - 28.27
2009 2,111,049 5.87 - 6.34 13,221,048 -- 0.90 57.74 - 59.17
2008 1,806,845 3.72 - 3.99 7,121,496 13.07 0.90 (44.79) - (37.82)
2007 1,867,295 6.74 - 7.15 13,231,277 -- 0.90 30.62 - 31.68
MIST SSgA Growth and Income 2011 381,525 11.55 - 12.90 4,611,127 1.79 0.00 - 0.90 0.37 - 1.28
ETF Investment Division 2010 320,284 11.51 - 12.74 3,818,907 1.29 0.00 - 0.90 11.60 - 12.61
2009 149,333 10.31 - 11.31 1,581,109 1.61 0.90 23.84 - 24.96
2008 39,742 8.33 - 9.05 336,449 1.95 0.90 (25.54) - (23.99)
2007 30,551 11.18 - 11.35 345,473 -- 0.90 4.78 - 5.78
203
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
8. FINANCIAL HIGHLIGHTS -- (CONTINUED)
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
------------------------------------ ---------------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
---------- ------------- ----------- ------------- ----------- -------------------
MIST SSgA Growth ETF 2011 299,115 10.59 - 12.05 3,309,518 1.76 0.00 - 0.90 (2.75) - (1.86)
Investment Division 2010 237,751 10.89 - 12.28 2,679,381 1.57 0.00 - 0.90 13.35 - 14.37
2009 181,473 9.61 - 10.74 1,789,007 1.53 0.90 28.34 - 29.51
2008 59,898 7.48 - 8.29 457,331 1.65 0.90 (33.42) - (30.82)
2007 56,164 11.24 - 11.41 639,459 -- 0.90 4.95 - 5.94
MIST T. Rowe Price Large 2011 108,604 9.96 1,081,554 0.51 0.00 (3.77)
Cap Value Investment Division 2010 601,441 10.35 6,224,061 1.22 0.00 17.33
2009 585,353 8.82 5,163,011 2.45 0.00 18.67
2008 569,914 7.43 - 48.32 4,235,811 1.80 0.00 (36.20) - (32.76)
2007 539,972 11.65 6,289,386 1.00 0.00 4.02
MIST T. Rowe Price Mid Cap 2011 1,957,835 11.07 - 18.03 25,204,627 -- 0.00 - 0.90 (2.28) - (1.39)
Growth Investment Division 2010 1,725,748 11.33 - 18.33 21,234,908 -- 0.00 - 0.90 26.93 - 28.07
2009 1,754,850 8.93 - 14.35 16,772,681 -- 0.90 44.54 - 45.85
2008 1,702,757 6.18 - 9.87 11,162,717 0.07 0.90 (40.16) - (37.28)
2007 1,587,296 10.32 - 16.38 17,384,199 0.21 0.90 16.74 - 17.85
MIST Third Avenue Small Cap 2011 54,483 14.79 806,051 0.92 0.00 (8.98)
Value Investment Division 2010 96,930 16.25 1,575,589 1.05 0.00 19.90
2009 66,457 13.56 900,994 0.62 0.00 26.45
2008 22,742 10.72 243,831 0.70 0.00 (29.73)
2007 24,943 15.28 381,064 0.85 0.00 (2.98)
MSF Artio International 2011 2,947,427 10.02 - 15.01 35,919,561 1.77 0.00 - 0.90 (20.59) - (19.87)
Stock Investment Division 2010 2,985,340 12.56 - 18.74 45,766,876 1.57 0.00 - 0.90 6.25 - 7.21
2009 3,130,833 11.77 - 17.48 45,163,862 0.71 0.45 - 0.90 21.07 - 22.17
2008 3,272,041 9.71 - 14.31 38,994,328 3.13 0.45 - 0.90 (44.63) - (40.37)
2007 3,371,026 17.46 - 23.95 72,704,709 1.05 0.45 - 0.90 9.36 - 11.35
MSF Barclays Capital Aggregate 2011 5,367,889 17.85 - 20.54 108,763,587 3.52 0.00 - 0.90 6.55 - 7.51
Bond Index Investment 2010 6,069,208 16.75 - 19.11 114,484,755 3.72 0.00 - 0.90 5.10 - 6.05
Division 2009 5,979,612 15.94 - 18.02 106,351,639 5.95 0.45 - 0.90 4.22 - 5.17
2008 5,705,639 15.30 - 17.13 96,524,738 4.55 0.45 - 0.90 4.32 - 5.99
2007 6,582,200 14.56 - 16.17 104,928,263 4.49 0.45 - 0.90 5.89 - 11.27
MSF BlackRock Aggressive 2011 8,613,267 16.80 - 63.39 184,990,795 0.30 0.00 - 0.90 (3.87) - (3.00)
Growth Investment Division 2010 9,010,506 17.39 - 65.35 200,141,525 0.07 0.00 - 0.90 14.27 - 15.30
2009 9,655,662 15.15 - 56.68 187,532,635 0.20 0.45 - 0.90 48.10 - 49.44
2008 10,226,808 10.19 - 37.93 134,277,037 -- 0.45 - 0.90 (46.22) - (44.59)
2007 10,673,487 18.84 - 26.64 260,061,815 -- 0.45 - 0.90 19.53 - 20.60
MSF BlackRock Bond Income 2011 3,448,815 18.67 - 88.42 84,065,205 3.92 0.00 - 0.90 5.61 - 6.56
Investment Division 2010 3,695,898 17.52 - 82.97 84,862,836 3.95 0.00 - 0.90 7.37 - 8.34
2009 3,849,026 16.17 - 76.59 82,419,233 7.04 0.45 - 0.90 8.49 - 9.47
2008 4,137,787 14.77 - 69.96 81,985,350 5.16 0.45 - 0.90 (4.31) - (3.43)
2007 4,467,585 15.30 - 31.06 92,436,358 3.24 0.45 - 0.90 5.36 - 12.31
MSF BlackRock Diversified 2011 10,223,668 15.50 - 62.70 255,554,192 2.43 0.00 - 0.90 2.87 - 3.81
Investment Division 2010 10,826,228 14.93 - 60.41 263,102,316 1.90 0.00 - 0.90 8.67 - 9.65
2009 11,480,151 13.61 - 55.09 257,391,816 5.15 0.45 - 0.90 16.25 - 17.30
2008 12,136,197 11.61 - 46.97 235,715,981 2.81 0.45 - 0.90 (25.47) - (20.65)
2007 12,715,624 15.43 - 38.69 334,245,436 2.54 0.45 - 0.90 4.96 - 8.02
204
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
8. FINANCIAL HIGHLIGHTS -- (CONTINUED)
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
------------------------------------ ---------------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
--------- --------------- ---------- ------------- ----------- -------------------
MSF BlackRock Large Cap 2011 1,036,664 11.95 - 13.03 13,313,052 1.11 0.00 - 0.90 1.43 - 2.35
Value Investment Division 2010 1,026,360 11.78 - 12.73 12,899,137 1.05 0.00 - 0.90 8.24 - 9.22
2009 1,018,697 10.88 - 11.66 11,723,889 1.58 0.90 10.22 - 11.21
2008 924,995 9.87 - 10.48 9,571,372 0.82 0.90 (35.46) - (30.94)
2007 770,111 15.30 - 16.10 12,275,048 0.98 0.90 2.41 - 3.40
MSF BlackRock Legacy Large 2011 533,802 9.33 - 37.56 7,367,810 0.19 0.00 - 0.90 (9.76) - (8.94)
Cap Growth Investment Division 2010 494,998 10.25 - 41.25 7,322,523 0.23 0.00 - 0.90 18.75 - 19.82
2009 480,438 8.55 - 34.42 5,950,495 0.62 0.90 35.56 - 36.79
2008 413,693 6.25 - 25.16 3,786,888 0.43 0.90 (37.07) - (34.56)
2007 265,094 9.85 - 14.78 3,824,550 0.19 0.90 17.60 - 18.77
MSF BlackRock Money Market 2011 1,163,332 17.51 - 17.98 20,783,208 -- 0.00 - 0.90 (0.89) - 0.00
Investment Division 2010 1,663,896 17.66 - 17.98 29,818,336 0.01 0.00 - 0.90 (0.89) - 0.01
2009 1,962,757 17.82 - 17.98 35,228,518 0.45 0.90 (0.48) - 0.42
2008 3,533,477 17.90 - 17.91 63,265,014 2.81 0.90 1.92 - 2.84
2007 3,638,086 17.41 - 17.57 63,398,057 4.94 0.90 4.15 - 5.07
MSF Davis Venture Value 2011 1,569,723 12.50 - 41.31 53,650,792 1.15 0.00 - 0.90 (4.89) - (4.03)
Investment Division 2010 1,632,869 13.03 - 43.04 57,910,618 1.00 0.00 - 0.90 11.00 - 12.00
2009 1,661,533 11.63 - 38.43 52,773,242 1.57 0.90 30.80 - 31.99
2008 1,580,625 8.81 - 29.12 38,001,762 1.34 0.90 (39.89) - (37.59)
2007 1,479,707 14.53 - 42.17 58,550,244 0.77 0.90 3.65 - 4.56
MSF FI Value Leaders 2011 489,548 9.83 - 32.38 6,065,829 1.10 0.00 - 0.90 (6.99) - (6.15)
Investment Division 2010 493,819 10.47 - 34.50 6,488,932 1.56 0.00 - 0.90 13.54 - 14.56
2009 478,934 9.14 - 30.11 5,481,161 2.80 0.90 20.75 - 21.85
2008 451,406 7.50 - 24.71 4,225,438 1.93 0.90 (39.49) - (34.25)
2007 440,904 12.29 - 15.50 6,742,764 0.91 0.90 3.22 - 4.24
MSF Jennison Growth 2011 1,066,474 6.47 - 14.29 14,166,486 0.28 0.00 - 0.90 (0.39) - 0.51
Investment Division 2010 1,234,658 6.44 - 14.22 15,408,401 0.59 0.00 - 0.90 10.63 - 11.66
2009 1,148,604 5.77 - 12.74 13,473,347 0.19 0.90 38.73 - 39.99
2008 1,170,101 4.12 - 9.10 9,813,769 2.43 0.90 (37.00) - (26.98)
2007 1,203,057 6.48 - 13.98 15,741,716 0.42 0.90 10.62 - 11.66
MSF Loomis Sayles Small Cap 2011 95,949 16.14 - 357.46 17,443,984 0.11 0.00 - 0.90 (0.31) - 0.59
Core Investment Division 2010 115,539 16.04 - 355.36 18,282,784 0.09 0.00 - 0.90 26.38 - 27.53
2009 116,312 12.58 - 278.66 14,825,414 0.28 0.90 29.08 - 30.25
2008 116,157 9.66 - 213.94 11,034,259 -- 0.90 (36.47) - (30.05)
2007 98,083 15.07 - 333.74 15,771,472 0.08 0.90 10.90 - 11.90
MSF Loomis Sayles Small Cap 2011 639,754 11.74 - 12.92 8,179,779 -- 0.00 - 0.90 2.06 - 2.98
Growth Investment Division 2010 597,616 11.50 - 12.54 7,430,441 -- 0.00 - 0.90 30.53 - 31.71
2009 592,149 8.22 - 9.52 5,593,368 -- 0.90 28.77 - 38.63
2008 579,322 5.93 - 7.33 4,206,928 -- 0.90 (41.67) - (36.32)
2007 569,953 11.73 - 12.46 7,040,049 -- 0.90 3.53 - 4.53
MSF Met/Artisan Mid Cap 2011 187,483 18.74 - 267.60 47,188,989 0.95 0.00 - 0.90 5.80 - 6.76
Value Investment Division 2010 222,836 17.60 - 250.67 46,601,141 0.74 0.00 - 0.90 7.99 - 15.04
2009 191,339 35.18 - 217.89 41,071,915 1.13 0.90 40.30 - 41.56
2008 196,801 24.85 - 153.92 29,975,616 0.37 0.90 (46.49) - (42.81)
2007 191,591 268.52 - 285.05 54,129,720 0.56 0.90 (7.67) - (6.84)
205
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
8. FINANCIAL HIGHLIGHTS -- (CONTINUED)
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
------------------------------------ ---------------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
---------- -------------- ---------- ------------- ----------- -------------------
MSF MetLife Conservative 2011 293,962 13.17 - 137.56 4,371,255 2.46 0.00 - 0.90 2.55 - 3.48
Allocation Investment Division 2010 281,025 12.84 - 133.23 4,036,496 3.52 0.00 - 0.90 9.35 - 10.34
2009 179,332 11.74 - 121.06 2,188,237 3.20 0.90 19.65 - 20.73
2008 133,696 9.82 - 10.14 1,350,130 1.41 0.90 (14.87) - (13.89)
2007 66,558 11.53 - 11.81 784,035 -- 0.90 4.82 - 5.73
MSF MetLife Conservative to 2011 491,119 12.75 - 133.03 6,564,562 2.28 0.00 - 0.90 0.37 - 1.28
Moderate Allocation Investment 2010 523,187 12.70 - 131.65 6,925,701 3.39 0.00 - 0.90 10.78 - 11.78
Division 2009 443,689 11.47 - 118.05 5,262,543 3.27 0.90 22.89 - 24.00
2008 336,506 9.33 - 9.64 3,218,477 1.34 0.90 (22.11) - (20.23)
2007 244,254 11.98 - 12.27 2,977,400 -- 0.90 4.08 - 5.05
MSF MetLife Mid Cap Stock 2011 3,140,839 18.32 - 20.31 62,847,615 0.90 0.00 - 0.90 (2.77) - (1.89)
Index Investment Division 2010 3,223,737 18.84 - 20.70 65,796,062 0.99 0.00 - 0.90 25.15 - 26.28
2009 3,313,158 14.93 - 16.39 53,691,851 1.81 0.90 35.77 - 36.99
2008 3,450,115 10.90 - 11.97 40,733,135 1.41 0.90 (36.75) - (35.42)
2007 3,466,871 17.07 - 18.75 63,959,203 0.75 0.90 6.83 - 7.82
MSF MetLife Moderate 2011 3,050,810 12.22 - 127.62 39,588,309 1.72 0.00 - 0.90 (2.02) - (1.14)
Allocation Investment Division 2010 2,825,563 12.48 - 129.39 37,214,331 2.69 0.00 - 0.90 12.45 - 13.47
2009 2,488,914 11.09 - 114.33 28,790,175 3.09 0.90 25.71 - 26.84
2008 2,031,439 8.82 - 90.36 18,535,109 1.08 0.90 (29.06) - (26.51)
2007 1,452,241 12.44 - 12.74 18,395,945 0.19 0.90 3.58 - 4.51
MSF MetLife Moderate to 2011 5,400,236 11.62 - 12.34 66,170,247 1.59 0.00 - 0.90 (4.42) - (3.55)
Aggressive Allocation Investment 2010 5,118,269 12.16 - 126.24 65,064,069 2.27 0.00 - 0.90 13.86 - 14.89
Division 2009 4,732,679 10.68 - 110.06 52,449,221 2.75 0.90 28.27 - 29.43
2008 3,956,910 8.33 - 8.61 33,871,944 0.84 0.90 (35.55) - (32.36)
2007 2,499,351 12.92 - 13.23 32,935,899 0.19 0.90 3.19 - 4.09
MSF MetLife Stock Index 2011 36,301,700 12.50 - 56.01 668,626,167 1.66 0.00 - 0.90 0.93 - 1.84
Investment Division 2010 36,664,506 12.28 - 55.00 671,751,965 1.75 0.00 - 0.90 13.79 - 14.82
2009 36,924,505 10.69 - 47.90 597,707,546 2.70 0.45 - 0.90 25.11 - 26.26
2008 36,120,853 8.47 - 37.94 472,610,929 1.94 0.45 - 0.90 (37.67) - (34.22)
2007 34,637,993 13.47 - 39.67 748,068,488 1.03 0.45 - 0.90 4.28 - 10.73
MSF MFS Total Return 2011 528,477 12.95 - 67.87 7,362,338 2.71 0.00 - 0.90 1.50 - 2.42
Investment Division 2010 568,106 12.76 - 66.27 7,708,272 3.01 0.00 - 0.90 9.09 - 10.08
2009 580,613 11.70 - 60.20 7,134,157 4.19 0.90 17.54 - 18.60
2008 469,855 9.95 - 50.76 4,861,537 3.50 0.90 (22.84) - (20.13)
2007 418,473 12.90 - 13.33 5,549,510 1.97 0.90 3.45 - 4.39
MSF MFS Value Investment 2011 3,828,828 12.53 - 18.20 52,363,369 1.56 0.00 - 0.90 (0.05) - 0.85
Division 2010 3,975,344 12.48 - 18.04 54,052,850 1.43 0.00 - 0.90 10.43 - 11.42
2009 4,056,273 11.25 - 16.19 49,365,491 -- 0.45 - 0.90 19.74 - 20.82
2008 4,061,727 9.35 - 13.40 41,012,912 1.91 0.45 - 0.90 (34.05) - (17.37)
2007 4,115,566 14.14 - 17.54 61,926,665 0.78 0.45 - 0.90 (4.67) - (3.48)
MSF Morgan Stanley EAFE 2011 4,910,651 9.74 - 13.81 59,759,550 2.43 0.00 - 0.90 (13.28) - (12.50)
Index Investment Division 2010 4,717,340 11.23 - 15.78 65,367,829 2.68 0.00 - 0.90 7.22 - 8.19
2009 4,618,467 10.47 - 14.59 58,913,857 4.28 0.45 - 0.90 27.52 - 28.67
2008 4,548,869 8.21 - 11.34 44,991,420 2.87 0.45 - 0.90 (42.58) - (40.15)
2007 4,186,312 14.30 - 19.58 71,635,930 1.94 0.45 - 0.90 9.83 - 13.98
206
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONTINUED)
8. FINANCIAL HIGHLIGHTS -- (CONTINUED)
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
----------------------------------- ---------------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
--------- ------------- ----------- ------------- ----------- -------------------
MSF Neuberger Berman 2011 3,915,596 18.49 - 20.50 79,279,066 0.74 0.00 - 0.90 4.85 - 5.80
Genesis Investment Division 2010 4,111,864 17.63 - 19.37 78,718,096 0.51 0.00 - 0.90 20.49 - 21.58
2009 4,279,459 14.59 - 15.93 67,433,059 1.12 0.90 12.14 - 13.15
2008 4,285,033 12.90 - 14.08 59,706,219 0.54 0.90 (38.96) - (35.81)
2007 4,450,536 20.94 - 22.86 100,708,365 0.30 0.90 (4.30) - (3.41)
MSF Neuberger Berman Mid Cap 2011 3,040,788 18.92 - 28.59 69,819,694 0.78 0.00 - 0.90 (7.25) - (6.42)
Value Investment Division 2010 3,179,105 20.40 - 30.55 77,987,809 0.83 0.00 - 0.90 25.18 - 26.31
2009 3,292,949 16.29 - 24.19 63,957,799 1.58 0.90 46.77 - 48.10
2008 3,355,424 11.10 - 16.33 44,065,744 0.85 0.90 (47.81) - (46.55)
2007 3,292,329 21.27 - 30.68 82,005,373 0.55 0.90 2.51 - 3.45
MSF Oppenheimer Global 2011 1,918,512 18.89 - 21.58 37,497,219 1.98 0.00 - 0.90 (9.05) - (8.24)
Equity Investment Division 2010 2,044,692 20.77 - 23.52 43,706,570 1.54 0.00 - 0.90 15.19 - 16.23
2009 2,111,250 18.03 - 20.23 38,882,417 2.57 0.45 - 0.90 39.06 - 40.31
2008 2,250,790 12.94 - 14.42 29,644,684 2.15 0.45 - 0.90 (40.90) - (37.34)
2007 2,347,437 21.71 - 24.18 52,072,709 1.10 0.45 - 0.90 5.53 - 10.86
MSF Russell 2000 Index 2011 2,653,125 14.59 - 21.28 51,171,784 1.05 0.00 - 0.90 (4.96) - (4.10)
Investment Division 2010 2,808,600 15.35 - 22.19 56,596,227 1.10 0.00 - 0.90 25.78 - 26.92
2009 2,972,133 12.21 - 17.49 47,243,288 2.05 0.45 - 0.90 24.88 - 26.01
2008 2,979,566 9.77 - 13.88 37,446,370 1.26 0.45 - 0.90 (34.09) - (30.11)
2007 2,975,863 14.83 - 20.87 56,244,600 0.91 0.45 - 0.90 (2.43) - 2.72
MSF T. Rowe Price Large Cap 2011 2,954,760 10.73 - 16.99 42,317,336 0.09 0.00 - 0.90 (1.99) - (1.11)
Growth Investment Division 2010 3,148,378 10.95 - 17.18 45,775,087 0.27 0.00 - 0.90 16.00 - 17.05
2009 3,409,767 9.44 - 14.68 42,520,597 0.63 0.90 42.15 - 43.44
2008 3,522,287 6.64 - 10.23 30,702,575 0.59 0.90 (41.89) - (38.27)
2007 3,529,093 11.53 - 17.60 52,811,241 0.45 0.90 8.47 - 9.40
MSF T. Rowe Price Small Cap 2011 3,938,724 20.15 - 23.40 86,825,771 -- 0.00 - 0.90 0.86 - 1.77
Growth Investment Division 2010 4,055,742 19.98 - 22.99 88,004,866 -- 0.00 - 0.90 33.69 - 34.90
2009 4,272,691 14.95 - 17.11 68,810,021 0.35 0.45 - 0.90 37.72 - 38.97
2008 4,498,247 10.85 - 12.37 52,291,217 -- 0.45 - 0.90 (36.76) - (33.41)
2007 4,692,085 17.16 - 19.47 85,746,187 -- 0.45 - 0.90 8.88 - 9.89
MSF Van Eck Global Natural 2011 81 162.89 13,179 -- 0.00 (22.34)
Resources Investment Division
(Commenced 5/2/2011)
MSF Western Asset Management 2011 1,068,823 20.28 - 35.25 23,536,888 5.05 0.00 - 0.90 5.19 - 6.14
Strategic Bond Opportunities 2010 1,145,809 19.28 - 33.21 23,786,502 6.04 0.00 - 0.90 11.72 - 12.73
Investment Division 2009 1,115,618 17.25 - 29.46 20,580,082 6.60 0.90 31.04 - 32.22
2008 1,106,833 13.17 - 22.28 15,464,462 4.07 0.90 (15.76) - (14.42)
2007 1,117,386 15.63 - 16.60 18,372,006 2.67 0.90 3.10 - 4.08
MSF Western Asset Management 2011 957,065 15.77 - 23.91 16,435,798 1.49 0.00 - 0.90 4.56 - 5.51
U.S. Government 2010 1,021,769 15.08 - 22.66 16,633,651 2.70 0.00 - 0.90 4.86 - 5.81
Investment Division 2009 1,063,071 14.38 - 21.41 16,359,270 4.49 0.90 3.40 - 4.33
2008 1,059,598 13.91 - 20.52 15,636,881 4.27 0.90 (1.23) - (0.36)
2007 1,066,735 14.08 - 14.95 15,797,381 2.66 0.90 3.38 - 4.33
PIMCO VIT All Asset Investment 2011 8,649 11.12 96,138 3.04 0.00 (3.47)
Division (Commenced 5/2/2011)
207
METROPOLITAN LIFE SEPARATE ACCOUNT UL
OF METROPOLITAN LIFE INSURANCE COMPANY
NOTES TO THE FINANCIAL STATEMENTS -- (CONCLUDED)
8. FINANCIAL HIGHLIGHTS -- (CONCLUDED)
AS OF DECEMBER 31 FOR THE YEAR ENDED DECEMBER 31
----------------------------- ----------------------------------------
EXPENSE(2) TOTAL(3)
UNIT VALUE INVESTMENT(1) RATIO RETURN
LOWEST TO NET INCOME LOWEST TO LOWEST TO
UNITS HIGHEST ($) ASSETS ($) RATIO (%) HIGHEST (%) HIGHEST (%)
------ ----------- ---------- ------------- ----------- --------------
PIMCO VIT Low Duration 2011 80,364 11.77 946,008 1.68 0.00 1.11
Investment Division 2010 65,497 11.64 762,531 1.62 0.00 5.29
(Commenced 5/4/2009) 2009 66,450 11.06 734,746 1.55 0.00 10.57
Pioneer VCT Emerging 2011 22,116 18.14 401,298 -- 0.00 (23.62)
Markets Investment Division 2010 41,431 23.75 984,166 0.33 0.00 15.61
(Commenced 4/28/2008) 2009 37,577 20.55 772,123 0.96 0.00 74.02
2008 13,031 11.81 153,859 -- 0.00 (55.11)
Pioneer VCT Mid Cap Value 2011 3,306 40.77 134,780 0.87 0.00 (5.64)
Investment Division 2010 2,302 43.21 99,478 1.08 0.00 18.22
(Commenced 4/28/2008 and 2009 586 36.55 21,403 -- 0.00 25.58
began transactions in 2009)
Royce Micro-Cap Investment 2011 19,473 15.94 310,463 2.46 0.00 (12.10)
Division (Commenced 11/10/2008 2010 19,226 18.14 348,709 3.02 0.00 29.96
and began transactions in 2010)
Royce Small-Cap Investment 2011 52,075 14.49 754,742 0.36 0.00 (3.28)
Division (Commenced 11/10/2008 2010 26,235 14.99 393,142 0.14 0.00 20.52
and began transactions in 2009) 2009 4,703 12.43 58,471 -- 0.00 35.20
UIF Emerging Markets Debt 2011 13,883 30.33 420,998 3.50 0.00 7.03
Investment Division 2010 259 28.33 7,343 4.24 0.00 9.74
(Commenced 11/10/2008 and 2009 223 25.82 5,747 2.19 0.00 30.21
began transactions in 2009)
UIF Emerging Markets Equity 2011 43,435 12.42 539,388 0.35 0.00 (18.22)
Investment Division 2010 13,018 15.18 197,669 0.57 0.00 19.02
(Commenced 11/10/2008 and 2009 442 12.76 5,643 -- 0.00 69.84
began transactions in 2009)
Wells Fargo VT Total Return 2011 8,689 15.56 135,214 2.74 0.00 8.33
Bond Investment Division 2010 75,281 14.37 1,081,415 3.35 0.00 7.04
2009 39,845 13.42 534,737 4.42 0.00 12.00
2008 15,329 11.98 183,674 4.82 0.00 2.41
2007 9,697 11.70 113,479 4.64 0.00 6.17
(1) These amounts represent the dividends, excluding distributions of capital
gains, received by the Investment Division from the underlying portfolio,
series, or fund, net of management fees assessed by the fund manager, divided
by the average net assets. These ratios exclude those expenses, such as
mortality and expense risk charges, that are assessed against policy owner
accounts either through reductions in the unit values or the redemption of
units. The investment income ratio is calculated for each period indicated or
from the effective date through the end of the reporting period. The
recognition of investment income by the Investment Division is affected by the
timing of the declaration of dividends by the underlying portfolio, series, or
fund in which the Investment Division invests. The investment income ratio is
calculated as a weighted average ratio since the Investment Division may invest
in two or more share classes, if any, within the underlying portfolio, series
or fund of the Trusts which may have unique investment income ratios.
(2) These amounts represent the annualized policy expenses of each of the
applicable Investment Divisions, consisting primarily of mortality and expense
risk charges, for each period indicated. The ratios include only those expenses
that result in a direct reduction to unit values. Charges made directly to
policy owner accounts through the redemption of units and expenses of the
underlying portfolio, series, or fund have been excluded.
(3) These amounts represent the total return for the period indicated,
including changes in the value of the underlying portfolio, series, or fund,
and expenses assessed through the reduction of unit values. These ratios do
not include any expenses assessed through the redemption of units. The total
return is calculated for each period indicated or from the effective date
through the end of the reporting period. The total return is presented as a
range of minimum to maximum returns, based on minimum and maximum returns
within each product grouping of the applicable Investment Division.
208