497VPU 1 d698554d497vpu.htm METROPOLITAN LIFE SEPARATE ACCOUNT UL Metropolitan Life Separate Account UL
April 29, 2024
Updating Summary Prospectus For Investors In
UL II Flexible Premium Multifunded Life Insurance Policies
Issued by Metropolitan Life Separate Account UL of Metropolitan Life Insurance Company
This Updating Summary Prospectus summarizes key features of the UL II individual flexible premium variable life insurance policies (the “Policies”) issued by Metropolitan Life Insurance Company (“Metropolitan Life,” the “Company,” “we,” “us” or “our”).
The Prospectus for the Policies contains more information about the Policies , including features, benefits, and risks. You can find the current Prospectus and other information about the Policies online at dfinview.com/metlife/tahd/MET000238. You can also obtain this information at no cost by calling 1-800-638-5000 or by sending an email request to RCG@metlife.com.
Additional information about certain investment products, including variable life insurance contracts, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov .
Please note that the Policies and the Portfolios are not guaranteed to achieve their goals, are not federally insured, are not endorsed by any bank or government agency, and are subject to risks, including the loss of the amount invested.
The Securities and Exchange Commission (“SEC”) has not approved or disapproved the Policies or determined that this Prospectus is adequate or complete. Any representation to the contrary is a criminal offense.
UPDATED INFORMATION ABOUT YOUR POLICY
The information in this Updating Summary Prospectus is a summary of certain Policy features that have changed since you last received the Prospectus dated May 1, 2023. This may not reflect all of the changes that have occurred since you entered into your Policy:
•
For changes in the names of certain Portfolios and any other changes to the Portfolios please refer to Appendix A.
•
For updated Portfolio expense information please refer to “Important Information You Should Consider About the Policy” and Appendix A.
•
For updated Portfolio performance information please refer to Appendix A.
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY 
 
FEES AND EXPENSES
LOCATION IN
PROSPECTUS
Charges for Early
Withdrawals
A surrender charge will be deducted from the cash value if the
Policy is surrendered or terminated after a grace period during the
first fifteen (15) Policy years. A surrender charge will also be
deducted upon surrender or termination of a Policy during the first
fifteen (15) Policy years after an increase in the specified face
amount of a Policy. In each case, the amount of the surrender
charge is based on a charge per thousand dollars of specified face
amount of the Policy .
The maximum surrender charge is 4% of the specified face amount
or any increase in the specified face amount. For example, the
maximum surrender charge during the first year after issue (or a
specified face amount increase), assuming an initial face amount (or
subsequent specified face amount increase) of $100,000, is $4,000.
“Charges and
Deductions –
Surrender Charge”
Transaction Charges
In addition to surrender charges, you also may be charged for other
transactions (such as when you make a premium payment or
transfer cash value between investment options, make a partial
withdrawal or request more than one illustration in a year).
“Charges and
Deductions – Premium
Expense Charges” and
“Charges and
Deductions - Transfer
Charge”
Ongoing Fees and
Expenses (annual
charges)
In addition to surrender charges and transaction charges, an
investment in the Policy is subject to certain ongoing fees and
expenses, including a mortality and expense risk charge and 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 insured (e.g., age, sex and risk
classification). There is also a monthly administration fee. Please
refer to the specifications page of your Policy for applicable rates.
You will also bear expenses associated with the Portfolios available
under your Policy, as shown in the following table:
“Charges and
Deductions – Monthly
Deduction from Cash
Value”
 
“Charges and
Deductions – Charges
Against the Separate
Account”
ANNUAL FEE
MIN.
MAX.
Investment options ( Portfolio fees
and charges)
0.28%
0.98%
3
 
RISKS
LOCATION IN
PROSPECTUS
Risk of Loss
You can lose money by investing in this Policy, including loss of
principal.
“Principal Risks”
Not a Short- Term
Investment
The Policies are designed to provide lifetime insurance protection.
They should not be used as a short-term investment or if you need
ready access to cash, because you will be charged when you make
premium payments and you may also pay surrender charges when
ordinary income tax or tax penalties.
“Principal Risks”
Risks Associated with
Investment Options
An investment in this Policy is subject to the risk of poor investment
performance and can vary depending on the performance of the
investment options available under the Policy (e.g., Portfolios). Each
investment option (including any Fixed Account investment option)
has its own unique risks. You should review the investment options
before making an investment decision.
“Principal Risks”
Insurance Company
Risks
An investment in the Policy is subject to the risks related to
Metropolitan Life, including any obligations (including under any
Fixed Account investment option), guarantees, and benefits of the
Policy , including any death benefit, which are subject to the claims
paying ability of Metropolitan Life. If Metropolitan Life experiences
financial distress, it may not be able to meet its obligations to you.
More information about Metropolitan Life, including its financial
strength ratings, is available upon request by calling (800) 638-5000
or visiting: https://www.metlife.com/about-us/corporate-profile/
ratings.
“Principal Risks”
Contract Lapse
Your Policy may lapse if you have not paid a sufficient amount of
premiums or if the investment experience of the Portfolios is poor,
you have taken partial withdrawals, and the Cash Surrender Value
under your Policy is insufficient to cover the monthly deduction.
Lapse of a Policy on which there is an outstanding loan may have
adverse tax consequences. If the Policy lapses, no death benefit will
be paid. A Policy may be reinstated if the conditions for
reinstatement are met including the payment of required premiums.
“Principal Risks”
 
RESTRICTIONS
LOCATION IN
PROSPECTUS
Investments
Policy Owners may transfer cash value between and among the
investment divisions and the Fixed Account. Metropolitan Life
reserves the right to limit transfers to four (4) per Policy year and to
impose a charge of $25 per transfer. Restrictions may apply to
frequent transfers.
Metropolitan Life reserves the right to remove or substitute
Portfolios as investment options that are available under the Policy.
“Payment and Allocation
of Premiums – Cash
Value Transfers”
Optional Benefits
Optional benefits were available to be elected at Policy issue only.
Optional income plans are available upon the death of the insured,
when the Policy reaches its Final Date or if a Policy is surrendered
“ Policy Benefits –
Optional Benefits”
4
 
TAXES
LOCATION IN
PROSPECTUS
Tax Implications
Consult with a tax professional to determine the tax implications of
an investment in and payments received under this Policy.
Withdrawals may be subject to ordinary income tax, and may be
subject to tax penalties.
Lapse of a Policy on which there is an outstanding loan may have
adverse tax consequences
“Federal Tax Matters”
 
CONFLICTS OF INTEREST
LOCATION IN
PROSPECTUS
Investment
Professional
Compensation
Your investment professional may receive compensation relating to
your ownership of a Policy, both in the form of commissions and
continuing payments. This conflict of interest may influence your
investment professional when advising you on your Policy.
“Distributing
thePolicies”
Exchanges
Some investment professionals may have a financial incentive to
offer you a new policy in place of your current Policy. You should
only exchange your Policy if you determine, after comparing the
features, fees, and risks of both policies, that it is better for you to
purchase the new policy rather than continue to own your existing
“Distributing the
 
“Exchange Privilege”
5
GLOSSARY
Age — The age in full years of the insured at issue of the Policy plus the number of full Policy years completed since issue. A full Policy year is completed upon the commencement of the next succeeding Policy year.
Base Administration Charge — The portion of the first year monthly administration charge, which is determined by the age of the insured under a Policy and not by the specified face amount.
Beneficiary — The person or persons designated by the Policy Owner to receive the insurance proceeds upon the death of the insured. A beneficiary may be changed as set forth in the Policy and this Prospectus. Unless otherwise stated in the Policy, the beneficiary has no rights in the Policy before the death of the insured. If there is more than one beneficiary at the death of the insured, each will receive equal payments unless otherwise provided by the Policy Owner.
Cash Surrender Value — The cash value less any indebtedness and any applicable surrender charge and, if the Policy is surrendered in the first Policy year, less the Base Administration Charge for each full Policy month remaining to the end of the first Policy year.
Cash Value — The sum of the Policy cash values in the Fixed Account, the investment divisions of the Separate Account and the Policy Loan Account.
Date of Policy — The date set forth in the Policy that is used to determine Policy years and Policy months. Policy anniversaries are measured from the Date of Policy.
Date of Receipt — The date that premium payments and communications will be deemed to be received at the Designated Office.
Designated Office —  Our Designated Office varies based on the type of service request or transaction that you are making. The most recent correspondence or annual statement sent to you will have the address and telephone number that you can use to contact us for specific transactions and requests. Your premium payment bill will have the address and telephone number that you can use to pay premiums. We will notify you if there are changes to this information.
Final Date — The Policy anniversary on which the insured is age 95.
Fixed Account — An account which is part of the General Account and to which Metropolitan Life will allocate net premiums as directed by the Policy Owner and credit certain fixed rates of interest. Aspects of the Fixed Account are briefly summarized in the Prospectus in order to give a better understanding of how the Policy functions.
Fund — An underlying mutual fund in which the Separate Account assets are invested. The Separate Account investment divisions invest in different classes (or series) ( “Portfolios”) of a mutual fund.
General Account — The assets of Metropolitan Life other than those allocated to the Separate Account or any other separate account .
Guideline Annual Premium — The level annual amount of premium that would be payable through the Final Date of a Policy for the specified face amount of the Policy if premiums were fixed by Metropolitan Life as to both timing and amount and were based on 1980 Commissioners Standard Ordinary Mortality Tables, net investment earnings at an annual effective rate of 5%, and fees and charges as set forth in the Policy and any Policy riders.
6
Indebtedness — The total of any unpaid Policy loan and loan interest.
Insured — The person upon whose life the Policy is issued.
Investment Start Date — The date the first premium is applied to the Fixed Account and/or the Separate Account. It is the later of (1) the Date of Policy and (2) the date the first premium for a Policy is received at the Designated Office.
Investment Division —  A subdivision of the Separate Account. The assets in each investment division are invested exclusively in the shares of a specified Portfolio .
Loan Value — The maximum amount that may be borrowed under the Policy . The loan value equals the Policy’s Cash Surrender Value less two monthly deductions, or, if greater, 75% (90% in Virginia and Maryland) of the Cash Surrender Value (or, in Texas, the Policy’s Cash Surrender Value less the monthly deductions to the end of the Policy year, if greater).
Minimum Initial Specified Face Amount — The minimum specified face amount of insurance for which a Policy could have been issued. The amount is $100,000 for insureds in the preferred rate class and $50,000 for all other insureds.
Monthly Anniversary — The same date in each month as the Date of Policy . For purposes of the Separate Account, whenever the monthly anniversary date falls on a date other than a valuation date, the next valuation date will be deemed to be the monthly anniversary .
Monthly Deduction — Charges deducted monthly from the cash value of a Policy and that include the monthly cost of term insurance, the monthly cost of any benefits provided by riders, and the monthly policy charges.
Planned Periodic Premium — The Policy Owner’s self-determined level-amount premium planned to be paid at fixed intervals over a specified period of time. The Policy Owner is not required to follow this schedule after the first two Policy years unless the guaranteed minimum death benefit rider is in effect.
Policy — The flexible premium multifunded life insurance policy offered by Metropolitan Life and described in this Prospectus.
Policy Loan Account — An account within the general account to which cash value from the Separate Account and/or the Fixed Account in an amount equal to a Policy loan requested by a Policy Owner is transferred.
Policy Month — The month beginning on the monthly anniversary .
Policy Owner (“Owner”) — The person so designated in the application or as subsequently changed.
Policy Year  — A Policy Year is a 12-month period between the anniversaries of a Policy. The first policy year starts on the Date of Policy.
Portfolio — A Portfolio represents a class (or series) of an underlying mutual fund (“Fund”) in which an investment division's assets are invested.
Separate Account — Metropolitan Life Separate Account UL, a separate investment account of Metropolitan Life through which premiums paid under the Policy are invested to the extent allocated to the Separate Account by the Policy Owner.
Specified Face Amount — The amount set forth on the face of the Policy .
7
Target Premium — The estimated annual amount that would keep a Policy in force to maturity based on the insured’s attained age and sex, the specified face amount of insurance and reasonable estimates of mortality and interest.
Valuation Date — Each day on which the New York Stock Exchange is open for trading or, on days other than when the New York Stock Exchange is open, on which it is determined that there is a sufficient degree of trading in a Fund’s portfolio securities that the current net asset value of its redeemable securities might be materially affected. Valuations for any date other than a Valuation Date will be determined as of the next Valuation Date.
Valuation Period — The period between two successive Valuation Dates, commencing at 4:00 p.m., Eastern Time, on each Valuation Date and ending at 4:00 p.m., Eastern Time, on the next succeeding Valuation Date.
8
APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE POLICY
The following is a list of the Portfolios currently available under the Policy. More information about the Portfolios is available in the prospectuses for the Portfolios , which may be amended from time to time and can be found online at dfinview.com/metlife/tahd/MET000238. You can also request this information at no cost by calling (800) 638-5000 or by sending an email request to RCG@metlife.com.
The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio’s past performance is not necessarily an indication of future performance 
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2023)
1
YEAR
5
YEAR
10
YEAR
Global Equity
American Funds Global Small Capitalization Fund*
- Class 2
Capital Research and Management CompanySM
0.91%
16.17%
8.31%
5.78%
US Equity
American Funds Growth Fund - Class 2
Capital Research and Management CompanySM
0.59%
38.49%
18.68%
14.36%
US Equity
American Funds Growth-Income Fund - Class 2
Capital Research and Management CompanySM
0.53%
26.14%
13.36%
10.91%
US Fixed Income
American Funds The Bond Fund of America* -
Class 2
Capital Research and Management CompanySM
0.48%
5.02%
1.89%
2.08%
International Equity
Baillie Gifford International Stock Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: Baillie Gifford Overseas Limited
0.75%
18.59%
7.15%
4.72%
US Fixed Income
BlackRock Bond Income Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC
0.39%
5.84%
1.53%
2.20%
US Equity
BlackRock Capital Appreciation Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC
0.57%
49.61%
16.15%
12.88%
US Fixed Income
BlackRock Ultra-Short Term Bond Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: BlackRock Advisors, LLC
0.36%
5.05%
1.76%
1.18%
Allocation
Brighthouse Asset Allocation 100 Portfolio -
Class A
Brighthouse Investment Advisers, LLC
0.74%
21.10%
11.83%
8.19%
Allocation
Brighthouse Asset Allocation 20 Portfolio* - Class A
Brighthouse Investment Advisers, LLC
0.64%
8.08%
3.88%
3.31%
Allocation
Brighthouse Asset Allocation 40 Portfolio - Class A
Brighthouse Investment Advisers, LLC
0.64%
10.82%
5.87%
4.60%
Allocation
Brighthouse Asset Allocation 60 Portfolio - Class A
Brighthouse Investment Advisers, LLC
0.66%
13.93%
8.00%
5.93%
A-1
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2023)
1
YEAR
5
YEAR
10
YEAR
Allocation
Brighthouse Asset Allocation 80 Portfolio - Class A
Brighthouse Investment Advisers, LLC
0.69%
17.51%
10.02%
7.17%
US Equity
Brighthouse/Artisan Mid Cap Value Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: Artisan Partners Limited
Partnership
0.77%
18.53%
11.56%
6.75%
Allocation
Brighthouse/Wellington Balanced Portfolio -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management Company
LLP
0.53%
18.10%
10.09%
8.07%
US Equity
Brighthouse/Wellington Core Equity Opportunities
Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management Company
LLP
0.61%
7.66%
13.12%
10.36%
US Equity
Brighthouse/Wellington Large Cap Research
Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Wellington Management Company
LLP
0.54%
25.74%
15.38%
11.71%
Sector
CBRE Global Real Estate Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: CBRE Investment Management
Listed Real Assets LLC
0.65%
12.87%
6.40%
4.65%
US Equity
Frontier Mid Cap Growth Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Frontier Capital Management
Company, LLC
0.71%
18.00%
11.26%
9.28%
International Equity
Harris Oakmark International Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Harris Associates L.P.
0.73%
19.26%
7.50%
3.45%
Global Equity
Invesco Global Equity Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc.
0.58%
34.99%
12.48%
8.68%
US Equity
Invesco Small Cap Growth Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Invesco Advisers, Inc.
0.81%
12.33%
8.90%
7.66%
US Equity
Jennison Growth Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Jennison Associates LLC
0.55%
53.26%
17.98%
14.32%
US Equity
Loomis Sayles Growth Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company, L.P.
0.55%
52.06%
16.39%
10.80%
US Equity
Loomis Sayles Small Cap Core Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company, L.P.
0.89%
17.46%
11.35%
7.90%
A-2
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2023)
1
YEAR
5
YEAR
10
YEAR
US Equity
Loomis Sayles Small Cap Growth Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: Loomis, Sayles & Company, L.P.
0.87%
11.91%
10.08%
8.49%
US Fixed Income
MetLife Aggregate Bond Index Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Management,
LLC
0.28%
5.20%
0.87%
1.57%
US Equity
MetLife Mid Cap Stock Index Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Management,
LLC
0.31%
16.08%
12.34%
9.01%
International Equity
MetLife MSCI EAFE® Index Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Management,
LLC
0.39%
17.93%
7.99%
4.05%
US Equity
MetLife Russell 2000® Index Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Management,
LLC
0.32%
16.80%
9.90%
7.16%
US Equity
MetLife Stock Index Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: MetLife Investment Management,
LLC
0.26%
25.94%
15.39%
11.75%
International Equity
MFS® Research International Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services
Company
0.65%
13.05%
8.82%
4.43%
Allocation
MFS® Total Return Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services
Company
0.62%
10.40%
8.53%
6.59%
US Equity
MFS® Value Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Massachusetts Financial Services
Company
0.58%
8.15%
11.55%
8.78%
US Equity
Morgan Stanley Discovery Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Morgan Stanley Investment
Management Inc.
0.67%
41.23%
11.07%
8.77%
US Equity
Neuberger Berman Genesis Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Neuberger Berman Investment
Advisers LLC
0.80%
15.53%
12.40%
8.75%
US Fixed Income
PIMCO Inflation Protected Bond Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Pacific Investment Management
Company LLC
0.68%
3.74%
3.28%
2.32%
A-3
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2023)
1
YEAR
5
YEAR
10
YEAR
US Fixed Income
PIMCO Total Return Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Pacific Investment Management
Company LLC
0.55%
6.22%
1.25%
1.86%
Allocation
SSGA Growth and Income ETF Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: SSGA Funds Management, Inc.
0.52%
14.12%
7.77%
5.76%
Allocation
SSGA Growth ETF Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: SSGA Funds Management, Inc.
0.55%
16.13%
9.47%
6.70%
US Equity
T. Rowe Price Large Cap Growth Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc.
0.57%
46.81%
13.52%
11.88%
US Equity
T. Rowe Price Mid Cap Growth Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc. is the
subadviser
T. Rowe Price Investment Management, Inc. is
the sub-subadviser
0.70%
20.11%
11.90%
10.72%
US Equity
T. Rowe Price Small Cap Growth Portfolio - Class A
Brighthouse Investment Advisers, LLC
Subadviser: T. Rowe Price Associates, Inc.
0.51%
21.57%
11.84%
9.44%
US Equity
Victory Sycamore Mid Cap Value Portfolio* -
Class A
Brighthouse Investment Advisers, LLC
Subadviser: Victory Capital Management, Inc.
0.60%
10.20%
14.66%
8.57%
US Fixed Income
Western Asset Management Strategic Bond
Opportunities Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management
Company, LLC
0.56%
9.44%
2.80%
3.01%
US Fixed Income
Western Asset Management U.S. Government
Portfolio* - Class A
Brighthouse Investment Advisers, LLC
Subadviser: Western Asset Management
Company, LLC
0.50%
4.87%
0.95%
1.23%
*
The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.
Investment Allocation Restrictions
Index SelectorSM: If You elect the Index SelectorSM You are limited to allocating your premiums and Cash Value among the following funding options and the Fixed Account:
MetLife Aggregate Bond Index
MetLife Stock Index
MetLife MSCI EAFE Index
A-4
MetLife Russell 2000 Index
MetLife Mid Cap Stock Index
A-5
 
 
To learn more about the Policy, you should read the Prospectus and SAI dated the same date as this Updating Summary Prospectus which are incorporated herein by reference and are legally a part of this Updating Summary Prospectus. They include additional information about the Policies and the Separate Account. You can find these documents on line at dfinview.com/metlife/tahd/MET000238. For a free copy of the Prospectus and SAI, to receive free personalized illustrations of death benefits and Cash Values, and to request other information about the Policy, please call 1-800-638-5000 or send an email request to RCG@metlife.com.
EDGAR ID: C000023054