3 | |
5 | |
7 | |
11 | |
13 | |
17 | |
18 | |
19 | |
19 | |
19 | |
20 | |
20 | |
21 | |
22 | |
23 | |
24 | |
24 | |
25 | |
25 | |
28 | |
29 | |
30 | |
30 | |
32 | |
39 | |
39 | |
39 | |
41 | |
42 | |
42 | |
43 | |
43 | |
43 | |
44 | |
48 | |
49 | |
51 | |
53 | |
53 | |
53 | |
54 | |
A-1 |
|
FEES AND EXPENSES |
LOCATION IN PROSPECTUS |
Charges for Early Withdrawal |
None |
— |
Transaction Charges |
You may be charged for certain transactions, such as sales charges, underwriting charges on increases in specified face amount, charges specified face amount. |
Ongoing Fees and Expenses (annual charges) |
In addition to charges described above, an investment in the Policy is subject to certain ongoing fees and expenses, including a mortality and expense risk charge, a monthly deduction covering the cost of insurance under the Policy and optional benefits added by rider, and such fees and expenses are set based on characteristics of the refer to the specifications page of your Policy for applicable rates. under your Policy, as shown in the following table: |
“Charges and Deductions– Charges Included in the Monthly Deduction” “Charges and Deductions – Charges Included in the Monthly Deduction “ “Charges and Company Charges” | ||
ANNUAL FEE |
MIN. |
MAX. | ||
and charges) |
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RISKS |
LOCATION IN PROSPECTUS | ||
Risk of Loss |
|
“Principal Risks” | ||
Not a Short-Term Investment |
“Principal Risks” | |||
Risks Associated with Investment Options |
|
“Principal Risks” |
Insurance Company Risks |
|
“Principal Risks” | ||
Contract Lapse |
|
“Principal Risks” |
|
RESTRICTIONS |
LOCATION IN PROSPECTUS | ||
Investments |
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Optional Benefits |
|
“Optional Benefits” | ||
|
TAXES |
LOCATION IN PROSPECTUS | ||
Tax Implications |
|
“Federal Tax Matters” |
|
CONFLICTS OF INTEREST |
LOCATION IN PROSPECTUS | ||
Investment Professional Compensation |
|
“Sales of the Policy” | ||
Exchanges |
“Sales of The Policy” |
Charge |
When Charge is Deducted |
Maximum Amount Deducted |
Current Amount Deducted |
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•Metflex(2) |
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% |
% (for Policy Years 1 to 10 for Policies issued on or after % (for Policy Years 11 and later for Policies issued on or after on or after 9/1/1993 and before |
•MetFlex C(3) |
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% |
% (for Policy Years 1 to 10 for Policies issued on or after % (for Policy Years 11 and later for Policies issued on or after |
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% |
% |
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|
Charge |
When Charge is Deducted |
Maximum Amount Deducted |
Current Amount Deducted |
•MetFlex(4) |
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|
10 for Policies issued on or after and later for Policies issued on or after for Policies issued on or after 9/1/1993 and before |
•MetFlex C(4) |
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for Policies issued on or after 5/1/1996 and before no new policies issued for MetFlex C after 12/31/ 2008. |
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$ |
Not currently charged |
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$ |
Not currently charged |
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|
Cost of Insurance: •Minimum and Maximum Charge |
|
$ of term insurance amount |
$0.03 to $ of term insurance amount |
• |
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Charge |
When Charge is Deducted |
Maximum Amount Deducted |
Current Amount Deducted |
Base Contract Charge |
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•Minimum and Maximum Charge |
|
$ of term insurance amount |
$0.03 to $ of term insurance amount |
• |
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•MetFlex |
|
Effective annual rate up to the Separate Account |
For Policies issued on or after 1/1/2009, effective annual rate of: • 9) • 20) • For Policies issued before 1/1/2009, effective annual rate of: • 9) • |
•MetFlex C |
|
Effective annual rate of the Separate Account |
Effective annual rate of: • 9) • 20) • |
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|
Annual rate of % of the loan amount |
Annual rate of loan amount |
Optional Benefit Charges |
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•Minimum and Maximum Charge |
|
$ of insurance amount |
$0.012 to $ of insurance amount |
• |
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| |
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•Minimum and Maximum Charge |
|
$ of term insurance amount |
$0.03 to $ of term insurance amount |
• |
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| |
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•Minimum and Maximum Charge |
|
$ of accidental death benefit amount |
$0.07 to $ of accidental death benefit amount |
• |
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| |
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•Minimum and Maximum Charge |
|
$ of term insurance amount |
$0.02 to $ of term insurance amount |
• |
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Minimum |
Maximum |
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IS BENEFIT STANDARD OR OPTIONAL? |
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NAME OF BENEFIT* |
PURPOSE |
IS BENEFIT STANDARD OR OPTIONAL? |
BRIEF DESCRIPTION OF RESTRICTIONS OR LIMITATIONS |
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Policy Year of Full Cash Withdrawal |
Portion of Cumulative Premium Charges to be Refunded* |
Portion of Cost of Term Insurance Charges Deducted during Policy Year of Full Cash Withdrawal to be Refunded |
1 |
100% |
95% |
2 |
95% |
85% |
3 |
90% |
75% |
4 |
85% |
65% |
5 |
80% |
55% |
6 |
75% |
45% |
7 |
70% |
35% |
8 |
65% |
25% |
9 |
60% |
15% |
10 |
55% |
5% |
11 and later |
None |
None |
Policy Year of Full Cash Withdrawal |
Portion of Cumulative Premium Charges to be Refunded* |
Portion of Cost of Term Insurance Charges Deducted during Policy Year of Full Cash Withdrawal to be Refunded |
1 |
100% |
75% |
2 |
90% |
50% |
3 |
75% |
25% |
4 |
60% |
None |
5 |
45% |
None |
6 |
30% |
None |
7 |
15% |
None |
8 and later |
None |
None |
|
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
1 YEAR |
5 YEAR |
10 YEAR | |||
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- |
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- |
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- |
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- |
- |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
1 YEAR |
5 YEAR |
10 YEAR | |||
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- |
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- |
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- |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
1 YEAR |
5 YEAR |
10 YEAR | |||
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Subadviser: |
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- |
- |
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Subadviser: |
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- |
- |
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Subadviser: |
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- |
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- |
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- |
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- |
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Subadviser: |
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- |
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- |
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Subadviser: |
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Subadviser: |
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- |
- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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- |
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Subadviser: |
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- |
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FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
1 YEAR |
5 YEAR |
10 YEAR | |||
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- |
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- |
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- |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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- |
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FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
1 YEAR |
5 YEAR |
10 YEAR | |||
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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- |
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Subadviser: |
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- |
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- |
- |
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- |
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Subadviser: |
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- |
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- |
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FUND TYPE |
PORTFOLIO AND ADVISER/SUBADVISER |
CURRENT EXPENSES |
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2022) | ||
1 YEAR |
5 YEAR |
10 YEAR | |||
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- |
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- |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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- |
- |
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- |
- |
- |
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Subadviser: |
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- |
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Subadviser: |
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- |
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