N-6
|
Apr. 22, 2026
USD ($)
|
| Prospectus: |
|
| Document Type |
N-6
|
| Entity Registrant Name |
Metropolitan Life Separate Account UL
|
| Entity Central Index Key |
0000858997
|
| Entity Investment Company Type |
N-6
|
| Document Period End Date |
Apr. 22, 2026
|
| Amendment Flag |
false
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) |
|
| Item 2. Key Information [Line Items] |
|
| Fees and Expenses [Text Block] |
Charges for Early Withdrawals |
|
|
| |
You may be subject to transaction charges if you surrender your Certificate or make a partial withdrawal. You may also be charged for other transactions, such as when you make a premium payment or transfer cash value between investment options, or exercise your Accelerated Benefits Rider. |
Charges and Deductions – Charges Deducted from Premiums; Other Charges |
Ongoing Fees and Expenses (annual charges) |
In addition to charges described above, an investment in the Certificate 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 Certificate and charges for optional benefits added by rider. Such fees and expenses are set based on characteristics of the insured (e.g., the age and rate class of the covered person, as well as the Group characteristics). There is also a monthly administration fee. Please refer to the specifications page of your Certificate for applicable charges. You will also bear expenses associated with the Portfolios available under your Certificate, as shown in the following table: |
Charges and Deductions – Charges Included in the Monthly Deduction Charges and Deductions – Charges against the Separate Account |
| |
|
|
Investment options (Portfolio fees and expenses) |
|
|
|
| Charges for Early Withdrawals [Text Block] |
Charges for Early Withdrawals |
|
|
|
| Transaction Charges [Text Block] |
| |
You may be subject to transaction charges if you surrender your Certificate or make a partial withdrawal. You may also be charged for other transactions, such as when you make a premium payment or transfer cash value between investment options, or exercise your Accelerated Benefits Rider. |
Charges and Deductions – Charges Deducted from Premiums; Other Charges |
|
| Ongoing Fees and Expenses [Table Text Block] |
Ongoing Fees and Expenses (annual charges) |
In addition to charges described above, an investment in the Certificate 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 Certificate and charges for optional benefits added by rider. Such fees and expenses are set based on characteristics of the insured (e.g., the age and rate class of the covered person, as well as the Group characteristics). There is also a monthly administration fee. Please refer to the specifications page of your Certificate for applicable charges. You will also bear expenses associated with the Portfolios available under your Certificate, as shown in the following table: |
Charges and Deductions – Charges Included in the Monthly Deduction Charges and Deductions – Charges against the Separate Account |
| |
|
|
Investment options (Portfolio fees and expenses) |
|
|
|
| Investment Options (of Other Amount) Minimum [Percent] |
0.27%
|
| Investment Options (of Other Amount) Maximum [Percent] |
0.85%
|
| Risks [Table Text Block] |
| |
|
|
| |
You can lose money by investing in this Certificate, including loss of principal. |
|
Not a Short-Term Investment |
The Certificates are designed to provide 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 a transaction charge when surrendering the Certificate. In addition, withdrawals may be subject to ordinary income tax and tax penalties. |
|
Risks Associated with Investment Options |
An investment in this Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Certificate. 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. |
|
| |
Investments in the Certificate are subject to the risks related to Metropolitan Life, including any obligations (including under any Fixed Account investment option), guarantees, and benefits of the Certificate, including any death benefit, that 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) 756-0124 or by visiting https://www.metlife.com/about- us/corporate-profile/ratings. |
|
| |
Your Certificate may lapse if you have paid an insufficient amount of premiums or if the investment experience of the Portfolios is poor and the Cash Surrender Value under your Certificate is insufficient to cover the monthly deduction. Lapse of a Certificate on which there is an outstanding loan may have adverse tax consequences. If the Certificate lapses, no death benefit will be paid. A Certificate may be reinstated if the conditions for reinstatement are met including the payment of required premiums. |
|
|
| Investment Restrictions [Text Block] |
Certificate Owners may transfer cash value between and among the Divisions and the Fixed Account. At the present time, no charge is assessed against the Cash Value of a Certificate when amounts are transferred among the Divisions of the Separate Account and between the Divisions and the Fixed Account, but we reserve the right to impose a charge of $25 to cover administrative costs incurred in processing any transfer. In some cases, the maximum amount that you may transfer or withdraw from the Fixed Account in any Certificate year is the greater of: (i) $200 and (ii) 25% of the largest amount in the Fixed Account over the last four Certificate years (or since the Date of Certificate if the Certificate has been in effect for less than four years). Restrictions may apply to frequent transfers.Metropolitan Life reserves the right to remove or substitute Portfolios as investment options that are available under the Certificate.
|
| Optional Benefit Restrictions [Text Block] |
Benefit availability is subject to your Employer making the benefit available. Depending upon your Employer’s requirements, certain Certificate benefits may only be able to be added during the Employer’s annual enrollment. With respect to the dependent life benefit coverage (Spouse coverage or child coverage), depending upon your Employer's elected benefit, you may also need to be on active status. You should check with your Employer regarding the availability of benefits and whether you need to be on active status to elect the dependent life benefits (Spouse coverage or child coverage).
|
| Tax Implications [Text Block] |
Consult with a tax professional to determine the tax implications of an investment in and payments received under this Certificate.Withdrawals may be subject to ordinary income tax, and may be subject to tax penalties.Lapse of a Certificate on which there is an outstanding loan may have adverse tax consequences.
|
| Investment Professional Compensation [Text Block] |
Your investment professional may receive compensation relating to your ownership of a Certificate. These investment professionals may have a financial incentive to offer or recommend the Certificate over another investment.
|
| Exchanges [Text Block] |
Some investment professionals may have a financial incentive to offer you a new policy in place of your current Certificate. You should only exchange your Certificate 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 Certificate.
|
| Item 4. Fee Table [Text Block] |
FEE TABLESThe following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Certificate. Please refer to your Certificate’s specifications page for information about the specific fees you will pay each year based on the options that you have elected.The first table describes the fees and expenses that you will pay at the time that you buy the Certificate, surrender or make withdrawals from the Certificate, or transfer cash value between investment options.Transaction Fees
| |
|
|
State premium tax charge1 |
|
|
Federal premium tax charge1 |
|
0.35% of each premium payment |
Surrender or Partial Withdrawal |
On surrender, withdrawal or loan |
|
| |
On transfer of cash value among Divisions or to or from the Fixed Account |
|
Accelerated Benefits Rider Administrative Charge |
At the time the Benefit is paid |
| 1Rather than deducting this charge from each premium payment you make, we have the option of deducting an equivalent amount as part of the monthly deduction. In that case, the amount of the deduction will be based on the amount of premium payments received under all Certificates issued in connection with the Group Policy. We will waive the state premium tax charge for Internal Revenue Code (the “Code”) Section 1035 exchanges from any other policy to a Certificate. We will also waive the state premium tax charge, as well as the charge for expected federal taxes attributable to premiums for 1035 exchanges, from another MetLife policy to a Certificate.2Currently, we are charging covered Employer groups rates up to 2.55%, which reflect the average state premium taxes currently being charged for the group. There is no specific maximum rate we may charge.3The transaction fee is the lesser of 2% of the amount withdrawn or $25. Generally, we will not apply any transaction fee for the surrender of a Certificate because of the termination of an Employer’s participation in the Group Policy. We are not currently imposing this charge. See your Certificate for more details.4We do not currently impose this charge.The next table describes the fees and expenses that you will pay periodically during the time that you own the Policy, not including Portfolio fees and expenses.Periodic Charges Other Than Annual Portfolio Expenses
| |
|
|
| |
|
|
Cost of term insurance(1) |
|
|
●Minimum and Maximum Charge |
|
$0.14 to $45.67 per $1,000 of net amount at risk |
●Charge for a Representative Insured (2) |
$0.59 per $1,000 of net amount at risk |
Mortality and Expense Risk Charge(3) |
|
Effective annual rate of 0.90% of the cash value in the Separate Account |
| |
|
|
| |
|
Annual rate of 2% of the loan amount |
Optional Benefit Charges: |
|
|
Disability waiver of monthly deduction |
|
|
●Minimum and Maximum Charge |
|
$0.14 to $45.67 per $1,000 of net amount at risk |
●Charge for a Representative Insured (2) |
$0.00 per $1,000 of net amount at risk |
| |
|
|
Dependent life benefits (spouse |
|
|
●Minimum and Maximum Charge |
|
$0.14 to $45.67 per $1,000 of net amount at risk |
●Charge for a Representative Insured(2) |
$0.59 per $1,000 of net amount at risk |
Dependent life benefits (children coverage only) |
|
$0.18 per $1,000 of coverage | (1)The cost of insurance charge varies based on anticipated variations in our costs or risks associated with the group or individuals in the group that the charge was intended to cover. The cost of insurance charge may not be representative of the charge that any particular Certificate Owner would pay. You can obtain more information about the cost of insurance or other charges that would apply by contacting your insurance sales representative. If you would like, we will provide you with an illustration of the impact of these and other charges under the Certificate based on various assumptions.(2)A Representative Insured is a person that is age 45 in a hypothetical group derived from all groups to whom the Group Policy is offered. The Charge for a Representative Insured under the Dependent life benefit (children coverage) is the current charge that a Certificate Owner pays for all the Certificate Owner’s children covered under the rider.(3)Currently, we charge an effective annual rate of 0.45% of the cash value in the Separate Account. There may be differences in this charge for different Employer groups based on differences in the levels of mortality and expense risks.(4)This charge for a Certificate may vary based on differences in the levels of administrative services performed by us and by the Employer for the specific group under which the Certificate is issued. Currently, we charge between $0 and $3 per certificate. For certain groups, this charge is included in the overall cost of insurance charge.(5)We charge interest on Certificate loans but credit you with interest on the amount of the cash value we hold as collateral for the loan. The loan interest spread is the excess of the interest rate we charge over the interest rate we credit. Currently the spread is equal to an annual rate of 0.25% of the loan amount.(6)Charges for this rider vary based on the Insured's individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Certificate will indicate the charges applicable to your Certificate. More detailed information concerning your charges is available on request from our Administrative Office.(7)The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.(8)The Spouse’s life insurance benefit can be provided by rider or by a separate Certificate, depending upon what is available under your Group. The charges shown reflect the charges that apply to a Spouse Certificate. For a Spouse rider, the minimum and maximum charge is $0.14 to $45.67 per $1,000 of coverage and the charge for a representative insured is $0.59 per $1,000 of coverageThe next table shows the minimum and maximum total operating expenses charged by the Portfolios that you may pay periodically during the time that you own the Certificate. A complete list of the Portfolios available under the Certificate, including their annual expenses, may be found in Appendix A.Annual Portfolio Expenses
| |
|
|
Annual Portfolio Expenses (as a percentage of average net assets) (expenses that are deducted from Portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses) |
|
|
|
| Transaction Expenses [Table Text Block] |
Transaction Fees
| |
|
|
State premium tax charge1 |
|
|
Federal premium tax charge1 |
|
0.35% of each premium payment |
Surrender or Partial Withdrawal |
On surrender, withdrawal or loan |
|
| |
On transfer of cash value among Divisions or to or from the Fixed Account |
|
Accelerated Benefits Rider Administrative Charge |
At the time the Benefit is paid |
| 1Rather than deducting this charge from each premium payment you make, we have the option of deducting an equivalent amount as part of the monthly deduction. In that case, the amount of the deduction will be based on the amount of premium payments received under all Certificates issued in connection with the Group Policy. We will waive the state premium tax charge for Internal Revenue Code (the “Code”) Section 1035 exchanges from any other policy to a Certificate. We will also waive the state premium tax charge, as well as the charge for expected federal taxes attributable to premiums for 1035 exchanges, from another MetLife policy to a Certificate.2Currently, we are charging covered Employer groups rates up to 2.55%, which reflect the average state premium taxes currently being charged for the group. There is no specific maximum rate we may charge.3The transaction fee is the lesser of 2% of the amount withdrawn or $25. Generally, we will not apply any transaction fee for the surrender of a Certificate because of the termination of an Employer’s participation in the Group Policy. We are not currently imposing this charge. See your Certificate for more details.4We do not currently impose this charge.
|
| Premium Taxes, Footnotes [Text Block] |
Rather than deducting this charge from each premium payment you make, we have the option of deducting an equivalent amount as part of the monthly deduction. In that case, the amount of the deduction will be based on the amount of premium payments received under all Certificates issued in connection with the Group Policy. We will waive the state premium tax charge for Internal Revenue Code (the “Code”) Section 1035 exchanges from any other policy to a Certificate. We will also waive the state premium tax charge, as well as the charge for expected federal taxes attributable to premiums for 1035 exchanges, from another MetLife policy to a Certificate.
|
| Deferred Sales Charge, Description [Text Block] |
Surrender or Partial Withdrawal
|
| Deferred Sales Charge, When Deducted [Text Block] |
On surrender
|
| Deferred Sales Load, Maximum [Dollars] |
$ 25
|
| Other Surrender Fees, Description [Text Block] |
|
| Other Surrender Fees, When Deducted [Text Block] |
withdrawal
|
| Other Surrender Fees, Maximum [Dollars] |
$ 25
|
| Transfer Fees, Description [Text Block] |
Transfer Charge4
|
| Transfer Fees, When Deducted [Text Block] |
On transfer of cash value among Divisions or to or from the Fixed Account
|
| Transfer Fee, Maximum [Dollars] |
$ 25
|
| Transfer Fee, Footnotes [Text Block] |
We do not currently impose this charge.
|
| Periodic Charges [Table Text Block] |
Periodic Charges Other Than Annual Portfolio Expenses
| |
|
|
| |
|
|
Cost of term insurance(1) |
|
|
●Minimum and Maximum Charge |
|
$0.14 to $45.67 per $1,000 of net amount at risk |
●Charge for a Representative Insured (2) |
$0.59 per $1,000 of net amount at risk |
Mortality and Expense Risk Charge(3) |
|
Effective annual rate of 0.90% of the cash value in the Separate Account |
| |
|
|
| |
|
Annual rate of 2% of the loan amount |
Optional Benefit Charges: |
|
|
Disability waiver of monthly deduction |
|
|
●Minimum and Maximum Charge |
|
$0.14 to $45.67 per $1,000 of net amount at risk |
●Charge for a Representative Insured (2) |
$0.00 per $1,000 of net amount at risk |
| |
|
|
Dependent life benefits (spouse |
|
|
●Minimum and Maximum Charge |
|
$0.14 to $45.67 per $1,000 of net amount at risk |
●Charge for a Representative Insured(2) |
$0.59 per $1,000 of net amount at risk |
Dependent life benefits (children coverage only) |
|
$0.18 per $1,000 of coverage | (1)The cost of insurance charge varies based on anticipated variations in our costs or risks associated with the group or individuals in the group that the charge was intended to cover. The cost of insurance charge may not be representative of the charge that any particular Certificate Owner would pay. You can obtain more information about the cost of insurance or other charges that would apply by contacting your insurance sales representative. If you would like, we will provide you with an illustration of the impact of these and other charges under the Certificate based on various assumptions.(2)A Representative Insured is a person that is age 45 in a hypothetical group derived from all groups to whom the Group Policy is offered. The Charge for a Representative Insured under the Dependent life benefit (children coverage) is the current charge that a Certificate Owner pays for all the Certificate Owner’s children covered under the rider.(3)Currently, we charge an effective annual rate of 0.45% of the cash value in the Separate Account. There may be differences in this charge for different Employer groups based on differences in the levels of mortality and expense risks.(4)This charge for a Certificate may vary based on differences in the levels of administrative services performed by us and by the Employer for the specific group under which the Certificate is issued. Currently, we charge between $0 and $3 per certificate. For certain groups, this charge is included in the overall cost of insurance charge.(5)We charge interest on Certificate loans but credit you with interest on the amount of the cash value we hold as collateral for the loan. The loan interest spread is the excess of the interest rate we charge over the interest rate we credit. Currently the spread is equal to an annual rate of 0.25% of the loan amount.(6)Charges for this rider vary based on the Insured's individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Certificate will indicate the charges applicable to your Certificate. More detailed information concerning your charges is available on request from our Administrative Office.(7)The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.(8)The Spouse’s life insurance benefit can be provided by rider or by a separate Certificate, depending upon what is available under your Group. The charges shown reflect the charges that apply to a Spouse Certificate. For a Spouse rider, the minimum and maximum charge is $0.14 to $45.67 per $1,000 of coverage and the charge for a representative insured is $0.59 per $1,000 of coverage
|
| Insurance Cost, Description [Text Block] |
Cost of term insurance(1)
|
| Insurance Cost, When Deducted [Text Block] |
Monthly
|
| Insurance Cost, Representative Investor [Text Block] |
Charge for a Representative Insured (2)$0.59 per $1,000 of net amount at riskA Representative Insured is a person that is age 45 in a hypothetical group derived from all groups to whom the Group Policy is offered. The Charge for a Representative Insured under the Dependent life benefit (children coverage) is the current charge that a Certificate Owner pays for all the Certificate Owner’s children covered under the rider.
|
| Insurance Cost (of Face Amount), Maximum [Percent] |
45.67%
|
| Insurance Cost (of Face Amount), Minimum [Percent] |
0.14%
|
| Insurance Cost, Footnotes [Text Block] |
The cost of insurance charge varies based on anticipated variations in our costs or risks associated with the group or individuals in the group that the charge was intended to cover. The cost of insurance charge may not be representative of the charge that any particular Certificate Owner would pay. You can obtain more information about the cost of insurance or other charges that would apply by contacting your insurance sales representative. If you would like, we will provide you with an illustration of the impact of these and other charges under the Certificate based on various assumptions.
|
| Mortality and Expense Risk Fees, Description [Text Block] |
Mortality and Expense Risk Charge(3)
|
| Mortality and Expense Risk Fees, When Deducted [Text Block] |
Daily
|
| Mortality And Expense Risk Fees (of Face Amount), Maximum [Percent] |
0.90%
|
| Mortality And Expense Risk Fees, Footnotes [Text Block] |
Currently, we charge an effective annual rate of 0.45% of the cash value in the Separate Account. There may be differences in this charge for different Employer groups based on differences in the levels of mortality and expense risks.
|
| Administrative Expenses, Description [Text Block] |
Administration charge(4)
|
| Administrative Expenses, When Deducted [Text Block] |
Monthly
|
| Administrative Expense, Maximum [Dollars] |
$ 5
|
| Administrative Expense, Footnotes [Text Block] |
This charge for a Certificate may vary based on differences in the levels of administrative services performed by us and by the Employer for the specific group under which the Certificate is issued. Currently, we charge between $0 and $3 per certificate. For certain groups, this charge is included in the overall cost of insurance charge.
|
| Optional Benefit Expense, Footnotes [Text Block] |
Charges for this rider vary based on the Insured's individual characteristics. The rider charges shown in the table may not be representative of the charge that you will pay. Your Certificate will indicate the charges applicable to your Certificate. More detailed information concerning your charges is available on request from our Administrative Office.(7)The maximum charge for this rider does not increase the maximum charge outlined under the maximum charge of the Cost of Insurance Charge. Similarly, the charge for a representative insured is also $0.00 per $1,000 of the net amount at risk because the charge is included in the current Cost of Insurance Charge.(8)The Spouse’s life insurance benefit can be provided by rider or by a separate Certificate, depending upon what is available under your Group. The charges shown reflect the charges that apply to a Spouse Certificate. For a Spouse rider, the minimum and maximum charge is $0.14 to $45.67 per $1,000 of coverage and the charge for a representative insured is $0.59 per $1,000 of coverage
|
| Other Annual Expense, Description [Text Block] |
Loan Interest Spread(5)
|
| Other Annual Expense, When Deducted [Text Block] |
Annually
|
| Other Annual Expense (of Face Amount), Maximum [Percent] |
2.00%
|
| Other Annual Expense, Footnotes [Text Block] |
We charge interest on Certificate loans but credit you with interest on the amount of the cash value we hold as collateral for the loan. The loan interest spread is the excess of the interest rate we charge over the interest rate we credit. Currently the spread is equal to an annual rate of 0.25% of the loan amount.
|
| Annual Portfolio Company Expenses [Table Text Block] |
| |
|
|
Annual Portfolio Expenses (as a percentage of average net assets) (expenses that are deducted from Portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses) |
|
|
|
| Portfolio Company Expenses [Text Block] |
Annual Portfolio Expenses (as a percentage of average net assets)(expenses that are deducted from Portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)
|
| Portfolio Company Expenses Minimum [Percent] |
0.27%
|
| Portfolio Company Expenses Maximum [Percent] |
0.85%
|
| Item 5. Principal Risks [Table Text Block] |
PRINCIPAL RISKSThis Prospectus discusses the risks associated with purchasing the Certificate. Prospectuses for the Portfolios discuss the risks associated with investment in the Portfolio described therein. Each of the Divisions that is available to you under the Certificate invests solely in a corresponding “Portfolio” of an underlying mutual fund (“Fund”).Investment Risk. MetLife does not guarantee the investment performance of the Divisions and you should consider your risk tolerance before selecting any of these options. If you invest Cash Value in one or more of the Divisions of the Separate Account, then you will be subject to the risk that investment performance will be unfavorable and that your cash value will decrease. An investment in this Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Certificate. Each investment option (including any Fixed Account option) has its own unique risks. You should review the investment options before making an investment decision. A comprehensive discussion of the risks of each of the Portfolios may be found in each Portfolio’s prospectus. Please refer to the prospectuses for the Portfolios for more information. There is no assurance that any of the Portfolios will achieve its stated investment objective. In addition, we deduct certain Certificate fees and charges from your Certificate’s cash value, which can significantly reduce your Certificate’s cash value. During times of poor investment performance, these deductions may have an even greater impact on your Certificate’s cash value. It is possible to lose your full investment and your Certificate could lapse (terminate without value), unless you pay additional premiums.If you allocate Cash Value to the Fixed Account, then we credit such Cash Value with a declared rate of interest. You assume the risk that the interest rate credited to the Fixed Account may decrease, although it will never be lower than the guaranteed minimum annual effective rate stated in your Certificate.Surrender and Withdrawal Risks (Short-Term Investment Risk). The Certificates are designed to provide lifetime insurance protection. They are not offered primarily as an investment, and are not suitable as a short-term savings vehicle. You should purchase the Certificate only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Certificate if you intend to surrender all or part of the Certificate’s cash value in the near future. A surrender, in whole or in part, may have tax consequences.Certificate Lapse. Your Certificate may lapse without value if you have paid an insufficient amount of premiums or if the investment experience of the Divisions is poor. If your Cash Surrender Value is not enough to pay the monthly deduction, your Certificate will lapse without value unless you make a premium payment sufficient to cover two monthly deductions within the 61-day grace period. If your Certificate does lapse, your insurance coverage will terminate (although you will be given an opportunity to reinstate your coverage if you satisfy certain requirements). Lapse of a Certificate on which there is an outstanding loan may have adverse tax consequences. In certain situations your Certificate may also terminate if your Employer ends its participation in the Group Policy.Risk of an Increase in Current Fees and Expenses. We have the right to increase certain Certificate charges. If fees and expenses are increased, you may need to increase the amount and/or frequency of premiums to keep the Certificate in force. Limitations on Access to Cash Value. We limit partial withdrawals of cash value from the Certificates to amounts not less than $200 and in some cases, for amounts you request to withdraw from the Fixed Account, not more than the greater of (a) $200, and (b) 25% of the largest amount in the Fixed Account over the last four Certificate years (or since the Date of Certificate if the Certificate has been in effect for less than four years).Limitations on Transfers. We do not currently charge for transfers, but we reserve the right to charge up to $25 per transfer, except for transfers under the Automated Investment Strategies. We have adopted procedures to limit excessive transfer activity. In addition, each Fund may restrict or refuse certain transfers among, or purchases of shares in their Portfolios as a result of certain market timing activities. You should read each Portfolio's prospectus for more details. The minimum amount you may transfer is $200 or, if less, the total amount in an investment option. In some cases, the minimum amount you may withdraw is $200 or, if less, the total amount in an investment option. We reserve the right to limit transfers from the Fixed Account in any Certificate year to 25% of the largest amount in the Fixed Account over the last four Certificate years (or since the Date of Certificate if the Certificate has been in effect for less than four years).Tax Treatment. We anticipate that the Certificate should generally be deemed a life insurance contract under federal tax law. Assuming that a Certificate qualifies as a life insurance contract for income tax purposes, you should not be deemed to be in receipt of any portion of your Certificate’s cash value until there is an actual distribution from the Certificate. Moreover, insurance proceeds payable under the Certificate should be excludable from the gross income of the Beneficiary. Although the Beneficiary generally should not have to pay federal income tax on the insurance proceeds, other taxes, such as estate taxes, may apply.If you pay more than a certain amount of premiums, you may cause your Certificate to become a “modified endowment contract” (“MEC”) under federal tax laws. If it does, you will pay income taxes on loans and other amounts we pay out to you (except for payment of insurance proceeds) to the extent of any gains in your Certificate (which is generally the excess of cash value over the premiums paid). In this case, an additional 10% tax penalty may also apply.Tax laws, regulations, and interpretations have often been changed in the past and such changes continue to be proposed. As with any taxation matter, you should consult with and rely on the advice of your own tax adviser. Loans. Before taking a Certificate loan you should consider that interest payments on loans are generally not deductible for tax purposes, that under certain situations, Certificate loans could be considered taxable distributions, and that amounts held in your Certificate loan account do not participate in the investment experience of the Divisions or receive the interest rate credited to the Fixed Account, either of which may be higher than the interest rate credited on the amount you borrow. If you surrender your Certificate or if we terminate your Certificate, or at the Final Date, any outstanding loan amounts (plus accrued interest) will be taxed as a distribution (see “Federal Tax Matters — Loans”). In addition, a Certificate loan increases the chances of our terminating your Certificate due to insufficient cash value and your Certificate's death proceeds will be reduced by any unpaid loan (plus any accrued and unpaid loan interest).Pandemics and Other Public Health Issues, and Other Events. Pandemics and other public health issues or other events, and governmental, business, and consumer reactions to them, may affect economic conditions and may cause a large number of illnesses or deaths. Hurricanes, windstorms, earthquakes, hail, tornadoes, explosions, severe winter weather, fires, floods and mudslides, blackouts and man-made events such as riot, insurrection, terrorist attacks or acts of war may also cause catastrophic losses and increased claims. Any such catastrophes may also result in changes in consumer or business confidence, behavior and investment and business activity, changes to interest rates and other market risk factors, and governmental or other restrictions on economic activity for prolonged periods. Cybersecurity. Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Certificate transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate Accumulation Unit Values; cause the release and possible loss or destruction of confidential Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.Insurance Company Risks. Certificates are subject to the risks related to Metropolitan Life. Any obligations (including under any Fixed Account investment option), guarantees, and benefits of the Policy 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) 756-0124 or by visiting www.metlife.com/about-us/corporate-profile/ratings.Terrorism and Security Risk. The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.Technology Risk. Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected. New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm.
|
| Item 10. Standard Death Benefits (N-6) [Table Text Block] |
STANDARD DEATH BENEFITSIf the Certificate is in force, we will pay your Beneficiary the insurance proceeds as of the end of the Valuation Period that includes the insured’s date of death. We will pay this amount after we receive documents that we request as due proof of the Insured’s death.We will pay the proceeds in one sum, including either by check, by placing the amount in an account that earns interest and to which the accountholder has immediate and full access, or by any other method of payment that provides the Beneficiary with immediate and full access to the proceeds. We will pay interest on the proceeds as required by applicable state law.Unless otherwise requested and subject to state law, the Certificate’s death proceeds will generally be paid to the Beneficiary through a settlement option called the Total Control Account (if the death proceeds meet the required minimum). The Total Control Account is an interest-bearing account through which the Beneficiary has immediate and full access to the proceeds, with unlimited draft writing privileges. We credit interest to the account at a rate that will not be less than a guaranteed minimum annual effective rate. You may also elect to have any Certificate surrender proceeds paid into a Total Control Account established for you.Assets backing the Total Control Account are maintained in our general account and are subject to the claims of our creditors. We will bear the investment experience of such assets; however, regardless of the investment experience of such assets, the interest credited to the Total Control Account will never fall below the applicable guaranteed minimum annual effective rate. Because we bear the investment experience of the assets backing the Total Control Account, we may receive a profit from these assets. The Total Control Account is not insured by the FDIC or any other governmental agency.The insurance proceeds equal:●the death benefit provided on the date of death or the alternate death benefit; plus●any additional insurance proceeds provided by rider; minus●any unpaid Certificate loans and accrued interest thereon; minus●any due and unpaid charges accruing during a grace period.The amount of the death benefit that exceeds the Certificate’s cash value is paid from our general account. Death benefit amounts paid from our general account are subject to the claims of our creditors.Every state has unclaimed property laws which generally declare life insurance policies to be abandoned after a period of inactivity of two to five years from the date any death benefit is due and payable. For example, if the payment of a death benefit has been triggered, and after a thorough search, we are still unable to locate the Beneficiary of the death benefit, the death benefit will be paid to the abandoned property division or unclaimed property office of the state in which the Beneficiary, Policy Owner or the Certificate Owner last resided, as shown on our books and records. (“Escheatment” is the formal, legal name for this process.) However, the state is obligated to pay the death benefit (without interest) if your Beneficiary steps forward to claim it with the proper documentation and within certain mandated time periods. To prevent your Certificate’s death benefit from being paid to the state’s abandoned or unclaimed property office, it is important that you update your Beneficiary designation, including complete names and complete contact information, if and as it changes. You should contact your Administrative Office at (800) 756-0124 in order to make a change to your Beneficiary designation.Standard Death BenefitThe death benefit varies and equals the specified face amount of insurance of the Certificate plus the cash value on the date of death.Alternate Death BenefitIn order to ensure that the Certificate qualifies as life insurance under the federal income tax laws, the Beneficiary will receive an alternate death benefit if it is greater than the amount that the Beneficiary would have received under the death benefit described above. The alternate death benefit is calculated by multiplying the Certificate’s cash value by a prescribed percentage. The prescribed percentage is determined by the covered person’s age at the time of the calculation and declines as the covered person grows older. The alternate death benefit is as follows:
Age of Covered Person at Death |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
| *For the ages not listed, the percentage decreases by a ratable portion for each full year.During any period when your cash value is high enough that the alternate death benefit applies, your charges for insurance costs will be higher, since the effective amount of your coverage will be greater. In no event will the death benefit be less than the minimum insurance amount required under current federal income tax rules applicable to the definition of life insurance as in effect on the date your Certificate is issued.Specified Face AmountThe specified face amount is the basic amount of life insurance specified in the Certificate. The Minimum Specified Face Amount is the smallest amount of specified face amount for which a Certificate may be issued, and is set forth in the Certificate. This amount will never be less than $10,000.Generally, you may change your specified face amount subject to certain limitations. Any change you request will be effective on the monthly anniversary on or next following our approval of your request. You are permitted to decrease the specified face amount to as low as the Minimum Specified Face Amount set forth in the Certificate.You may request an increase on dates determined by your Employer and set forth in the Certificate. If you are a qualifying Employee, we will make automatic increases in the specified face amount when your salary increases on a date or dates determined by your Employer. However, you can notify us in writing at any time that you do not desire such automatic increases in the future. Any requirements as to the minimum amount of an increase are set forth in the Certificate. Any increase is subject to our underwriting rules which may include a requirement for evidence satisfactory to us of the covered person’s insurability.Before you change your specified face amount you should consider the following:●The insurance portion of your death benefit will change. This will affect the insurance charges, cash value and death benefit levels;●Reducing your specified face amount may result in our returning an amount to you which, if it occurs during the first 15 Certificate years, could then be taxed on an income first basis, even if the Certificate is not a MEC;●The amount of additional premiums that the tax laws permit you to pay into the Certificate may increase or decrease. The additional amount you can pay without causing the Certificate to be a MEC for tax purposes may also increase or decrease (see “Federal Tax Matters — Modified Endowment Contracts”); and●The Certificate could become a MEC in certain circumstances.
|
| Additional Information about Standard Death Benefits, Note (N-6) [Text Block] |
Specified Face AmountThe specified face amount is the basic amount of life insurance specified in the Certificate. The Minimum Specified Face Amount is the smallest amount of specified face amount for which a Certificate may be issued, and is set forth in the Certificate. This amount will never be less than $10,000.Generally, you may change your specified face amount subject to certain limitations. Any change you request will be effective on the monthly anniversary on or next following our approval of your request. You are permitted to decrease the specified face amount to as low as the Minimum Specified Face Amount set forth in the Certificate.You may request an increase on dates determined by your Employer and set forth in the Certificate. If you are a qualifying Employee, we will make automatic increases in the specified face amount when your salary increases on a date or dates determined by your Employer. However, you can notify us in writing at any time that you do not desire such automatic increases in the future. Any requirements as to the minimum amount of an increase are set forth in the Certificate. Any increase is subject to our underwriting rules which may include a requirement for evidence satisfactory to us of the covered person’s insurability.Before you change your specified face amount you should consider the following:●The insurance portion of your death benefit will change. This will affect the insurance charges, cash value and death benefit levels;●Reducing your specified face amount may result in our returning an amount to you which, if it occurs during the first 15 Certificate years, could then be taxed on an income first basis, even if the Certificate is not a MEC;●The amount of additional premiums that the tax laws permit you to pay into the Certificate may increase or decrease. The additional amount you can pay without causing the Certificate to be a MEC for tax purposes may also increase or decrease (see “Federal Tax Matters — Modified Endowment Contracts”); and●The Certificate could become a MEC in certain circumstances.
|
| Item 11. Other Benefits Available (N-6) [Text Block] |
ADDITIONAL BENEFITS AND RIDERSIn addition to the standard death benefit associated with your Certificate, other standard and/or optional benefits may also be available to you, subject to state availability. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table.
| |
|
Is Benefit Standard or Optional? |
Brief Description Of Restrictions Or Limitations |
Disability Waiver of Monthly Deduction Rider |
This rider provides for the waiver of certain monthly deductions, upon proof of total disability. |
|
The rider is standard if elected by the Employer at the group level. There is no individual election at the Employee level, and the Employee may not terminate the benefit. You should ask your Employer if this benefit is included. |
Dependent Life Benefit — Children’s Term Insurance Benefit Rider |
This rider provides term life insurance coverage for the Employee's children. |
|
You may choose to add this benefit if your Employer makes the benefit available. Depending upon your Employer's elected rider benefit, you may also need to be on active status. You should ask your Employer if this benefit is included and whether you need to be on active status in order to elect it. |
Dependent Life Benefit — Spouse's Insurance Benefit |
This benefit provides life insurance coverage for the Employee's spouse. |
|
You may choose to add this benefit if your Employer makes the benefit available. Depending upon your Employer's elected benefit, you may also need to be on active status. You should ask your Employer if this benefit is included and whether you need to be on active status in order to elect it. |
Accelerated Benefits Rider |
This rider permits the insured to accelerate a portion of the applicable death benefit if the Employee is terminally ill as defined in the rider. |
|
The rider is standard if elected by the Employer at the group level. There is no individual election at the Employee level, and the Employee may not terminate the benefit. You should ask your Employer if this benefit is included. |
| |
|
Is Benefit Standard or Optional? |
Brief Description Of Restrictions Or Limitations |
Paid-Up Certificate Benefit |
Terminates the death benefit (and any riders in effect) and uses all or part of the Cash Surrender Value as a single premium for a “paid-up” benefit. |
|
The paid-up benefit must not be more than can be purchased using the Certificate’s Cash Surrender Value, more than the death benefit under the Certificate at the time you choose to use this provision, or less than $10,000. |
Will Preparation Service Rider |
MetLife makes a will preparation service available to you (subject to state variations). |
|
The rider is standard unless your Employer decides not to make it available. The will preparation service is made available through a MetLife affiliate. |
Estate Resolution Services Rider |
This rider provides certain probate services in the event you or your Spouse dies (subject to state variations). |
|
The rider is standard unless your Employer decides not to make it available. The will preparation service is made available through a MetLife affiliate. |
Digital Estate Planning Rider |
MetLife makes a Digital Estate Planning Platform available to you (subject to state variations). |
|
The rider is standard unless your Employer decides not to make it available. The Digital Estate Planning Platform is made available through a MetLife affiliate. |
Bereavement Services Rider |
This benefit provides certain bereavement services to beneficiaries. |
|
The rider is standard unless your Employer decides not to make it available. The bereavement services are made available by a third-party provider. |
Grief Counseling Services Rider |
This benefit provides certain grief counseling services to beneficiaries. |
|
The rider is standard unless your Employer decides not to make it available. The grief counseling services are made available by a third-party provider. |
| |
|
Is Benefit Standard or Optional? |
Brief Description Of Restrictions Or Limitations |
| |
This benefit provides certain funeral services to you, your spouse and children. |
|
The rider is standard unless your Employer decides not to make it available. The funeral services are made available by a third-party provider. |
| |
Allows you to redistribute amounts in the Fixed Account and the Divisions in the same proportion that the net premium are then being allocated on a quarterly basis. |
|
You may elect this option if your Employer makes it available. You should ask your Employer if this option is available. | Disability Waiver of Monthly Deduction Rider. Upon proof of disability, this rider provides for a waiver of monthly deduction amounts with respect to the specified face amount covered by the rider. If you purchased this rider and the insured became disabled as defined in the rider, while the Certificate and the rider were still in force the eligible portion of monthly deductions would be waived while the insured was disabled. An increase in specified face amount may not be covered by this rider. If not, the portion of the monthly deduction associated with the increase will continue to be deducted from the cash value, which if insufficient, could result in the Certificate’s termination. For this reason, it may be advantageous for the Owner, at the time of total disability, to reduce the specified face amount to that covered by this rider.For example, if you become totally disabled as defined in the rider, your life insurance coverage remains in force, without premiums being paid. This waiver applies to both the Employees insurance coverage and any associated rider coverages but does not include any optional investment premium or separate Spouse Certificate.Dependent Life Benefit - Children’s Term Insurance Benefit Rider. This rider provides term insurance on the lives of children of the Insured. Under the rider, we will pay the term insurance benefit to the Beneficiary upon the death of the insured child while the rider is in force.For example, if you purchased this rider on your Certificate for a coverage amount of $2,000 and one of your children were to die while your Certificate and this rider were in force, we would pay a $2,000 benefit to the Beneficiary.Spouse's Life Benefit. Depending on your Employer, this benefit is either a Spouse's term insurance benefit which provides term insurance on your Spouse or a separate Spouse's Certificate, which provides for the accumulation of its own Cash Value. Under the benefit, we will pay the insurance benefit to the Beneficiary upon the death of the insured Spouse while the coverage is in force.For example, if you have $2,000 of coverage and your Spouse dies while the coverage is in force, we would pay a $2,000 benefit to the Beneficiary. .Accelerated Benefits Rider. Under this rider, you may accelerate payment of all or part of the Certificate's death benefit if the Insured is terminally ill, as defined in the rider. If you added this rider to your Certificate and both the Certificate and rider were in force at a time where the Insured was determined to be terminally ill (per the terms of the rider), you could request an acceleration of some or all of the death benefit (subject to the minimums and maximums). Payment under this rider may affect eligibility for benefits under state or federal law.For example, if the Certificate's death benefit was $100,000, you could elect up to 80% of this amount minus any loan or loan interest outstanding. .Paid-Up Certificate Benefit. You can choose to terminate the death benefit (and any riders in effect) and use all or part of the Cash Surrender Value as a single premium for a paid up benefit. (Paid up means no further premiums are required.)For example, if you have a Cash Surrender value of $10,000, you may terminate the death benefit and any riders in effect and purchase a paid up benefit for $10,000 which will be payable upon the Insured’s death.Will Preparation Service Rider. This rider provides you with a will preparation service (“Service”) while this rider and the Certificate are in force. This Service is made available to you, at no cost, through a MetLife affiliate (“Affiliate”). This Service provides for a will to be prepared by attorneys designated by the Affiliate for you and your Spouse. If you have a will prepared by an attorney not designated by the Affiliate, you must pay the attorney’s services directly. Upon proof of such payment, you will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount you paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.For example, if you decide that you would like to have a codicil to your will prepared, this service enables you to work one-on-one with an attorney, in-person, on the phone, or online to prepare the codicil to your will free of charge, subject to state variations.Estate Resolution Services Rider. If you or your Spouse die while this rider and the Certificate are in force, a probate benefit (the “Benefit”) will be made available to the estate of the deceased. The Benefit is available through an Affiliate. The Benefit provides for certain probate services to be made available, free of charge, by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, the estate of the deceased must pay for those attorney’s services directly. Upon proof of such payment, the estate of the deceased will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount such estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.For example, the executor of your estate may use the Benefit to receive unlimited consultations, either face-to-face with an attorney or by phone to assist in settling your estate.Digital Estate Planning. A Digital Estate Planning Platform is included with Group Variable Universal Life (GVUL) Insurance at no additional cost. MetLife has arranged for this platform to be provided by a MetLife affiliate (the "Affiliate"). This platform will be made available to Employees and their Spouses through https://login.legalplans.com/login and includes facilitation of the selection, completion and execution of common estate planning documents. Beneficiary and Bereavement Services. Beneficiary and Bereavement Services are included with Group Variable Universal Life (GVUL) Insurance for no additional premium. MetLife may arrange for some portion of these services to be provided to Owners and Beneficiaries by a third-party provider. Grief Counseling Services Rider. Employees who become insured under the Group Contract are eligible to receive non-insured grief counseling services at no additional premium. MetLife has arranged for these services to be provided to Employees through a third-party service provider. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider. Funeral Services Discount Disclosure. Employees who become insured under the Group Contract are eligible to receive discounts of up to 10% off the service provider’s standard price for certain funeral services including funeral, cremation and cemetery products and services provided by a third-party national network of funeral and funeral planning providers while such insurance remains in effect. Employees who become insured will also have access to funeral planning resources including funeral planning tools and concierge services provided by the same national network of providers. MetLife has arranged for these services and discounts to be provided to Employees and their spouses and children and the parents, grandparents and great-grandparents of the Employees and their spouses for no additional premium. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.The discounts and planning services are not available in all jurisdictions and are subject to regulatory approval. RebalancerSM: The Rebalancer allows you to periodically redistribute amounts in the Fixed Account and the Divisions in the same proportion that the net premiums are then being allocated. We currently make the redistribution each quarter.For example, if you elect the Rebalancer and allocate 50% of your premium to the Fixed Account and 50% to a Division in the Separate Account, each quarter we will redistribute amounts in the Fixed Account and the Division so that 50% is in the Fixed Account and 50% is in the Division of the Separate Account.Each rider contains important information, including limits and conditions that apply to the benefits. If you decide to purchase any of the riders, you should carefully review their provisions to be sure the benefit is something that you want.You should also consider:●That the amount of benefits provided under the rider is not based on investment performance of a Separate Account; but, if the Certificate terminates because of poor investment performance or any other reason, the rider generally will also terminate;●That there are tax consequences. You should consult with your tax adviser before purchasing one of the riders.
|
| Benefits Available [Table Text Block] |
| |
|
Is Benefit Standard or Optional? |
Brief Description Of Restrictions Or Limitations |
Disability Waiver of Monthly Deduction Rider |
This rider provides for the waiver of certain monthly deductions, upon proof of total disability. |
|
The rider is standard if elected by the Employer at the group level. There is no individual election at the Employee level, and the Employee may not terminate the benefit. You should ask your Employer if this benefit is included. |
Dependent Life Benefit — Children’s Term Insurance Benefit Rider |
This rider provides term life insurance coverage for the Employee's children. |
|
You may choose to add this benefit if your Employer makes the benefit available. Depending upon your Employer's elected rider benefit, you may also need to be on active status. You should ask your Employer if this benefit is included and whether you need to be on active status in order to elect it. |
Dependent Life Benefit — Spouse's Insurance Benefit |
This benefit provides life insurance coverage for the Employee's spouse. |
|
You may choose to add this benefit if your Employer makes the benefit available. Depending upon your Employer's elected benefit, you may also need to be on active status. You should ask your Employer if this benefit is included and whether you need to be on active status in order to elect it. |
Accelerated Benefits Rider |
This rider permits the insured to accelerate a portion of the applicable death benefit if the Employee is terminally ill as defined in the rider. |
|
The rider is standard if elected by the Employer at the group level. There is no individual election at the Employee level, and the Employee may not terminate the benefit. You should ask your Employer if this benefit is included. |
| |
|
Is Benefit Standard or Optional? |
Brief Description Of Restrictions Or Limitations |
Paid-Up Certificate Benefit |
Terminates the death benefit (and any riders in effect) and uses all or part of the Cash Surrender Value as a single premium for a “paid-up” benefit. |
|
The paid-up benefit must not be more than can be purchased using the Certificate’s Cash Surrender Value, more than the death benefit under the Certificate at the time you choose to use this provision, or less than $10,000. |
Will Preparation Service Rider |
MetLife makes a will preparation service available to you (subject to state variations). |
|
The rider is standard unless your Employer decides not to make it available. The will preparation service is made available through a MetLife affiliate. |
Estate Resolution Services Rider |
This rider provides certain probate services in the event you or your Spouse dies (subject to state variations). |
|
The rider is standard unless your Employer decides not to make it available. The will preparation service is made available through a MetLife affiliate. |
Digital Estate Planning Rider |
MetLife makes a Digital Estate Planning Platform available to you (subject to state variations). |
|
The rider is standard unless your Employer decides not to make it available. The Digital Estate Planning Platform is made available through a MetLife affiliate. |
Bereavement Services Rider |
This benefit provides certain bereavement services to beneficiaries. |
|
The rider is standard unless your Employer decides not to make it available. The bereavement services are made available by a third-party provider. |
Grief Counseling Services Rider |
This benefit provides certain grief counseling services to beneficiaries. |
|
The rider is standard unless your Employer decides not to make it available. The grief counseling services are made available by a third-party provider. |
| |
|
Is Benefit Standard or Optional? |
Brief Description Of Restrictions Or Limitations |
| |
This benefit provides certain funeral services to you, your spouse and children. |
|
The rider is standard unless your Employer decides not to make it available. The funeral services are made available by a third-party provider. |
| |
Allows you to redistribute amounts in the Fixed Account and the Divisions in the same proportion that the net premium are then being allocated on a quarterly basis. |
|
You may elect this option if your Employer makes it available. You should ask your Employer if this option is available. |
|
| Item 18. Portfolio Companies (N-6) [Text Block] |
APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE CERTIFICATEThe following is a list of the Portfolios currently available under the Certificate. 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/PUFT/MET000225. You can also request this information at no cost by calling (800) 756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.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. *The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.§Closed to new investments, unless you have a current allocation to the fund. Rebalancing and dollar cost averaging is not available.The fee and expense information regarding the Portfolios was provided by those Portfolios.
|
| Prospectuses Available [Text Block] |
The following is a list of the Portfolios currently available under the Certificate. 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/PUFT/MET000225. You can also request this information at no cost by calling (800) 756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.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.
|
| Portfolio Companies [Table Text Block] |
| |
PORTFOLIO AND ADVISER/SUBADVISER |
|
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025) |
| |
|
|
| |
Baillie Gifford International Stock Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Baillie Gifford Overseas Limited |
|
|
|
|
| |
BlackRock Bond Income Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC |
|
|
|
|
| |
Brighthouse/Wellington Balanced Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP |
|
|
|
|
| |
Brighthouse/Wellington Large Cap Research Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Wellington Management Company LLP |
|
|
|
|
| |
Freedom 2010 Portfolio - Initial Class Fidelity Management & Research Company LLC |
|
|
|
|
| |
Freedom 2020 Portfolio - Initial Class Fidelity Management & Research Company LLC |
|
|
|
|
| |
Freedom 2030 Portfolio - Initial Class Fidelity Management & Research Company LLC |
|
|
|
|
| |
Freedom 2040 Portfolio - Initial Class Fidelity Management & Research Company LLC |
|
|
|
|
| |
Freedom 2050 Portfolio - Initial Class Fidelity Management & Research Company LLC |
|
|
|
|
| |
Freedom 2060 Portfolio - Initial Class Fidelity Management & Research Company LLC |
|
|
|
|
| |
Frontier Mid Cap Growth Portfolio*§ - Class A Brighthouse Investment Advisers, LLC Subadviser: Frontier Capital Management Company, LLC |
|
|
|
|
| |
PORTFOLIO AND ADVISER/SUBADVISER |
|
AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025) |
| |
|
|
| |
Invesco Global Equity Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Invesco Advisers, Inc. |
|
|
|
|
| |
MetLife Aggregate Bond Index Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
|
|
|
|
| |
MetLife MSCI EAFE® Index Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
|
|
|
|
| |
MetLife Russell 2000® Index Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
|
|
|
|
| |
MetLife Stock Index Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: MetLife Investment Management, LLC |
|
|
|
|
| |
MFS® Value Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Massachusetts Financial Services Company |
|
|
|
|
| |
Morgan Stanley Discovery Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Morgan Stanley Investment Management Inc. |
|
|
|
|
| |
T. Rowe Price Small Cap Growth Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc. |
|
|
|
|
| |
Western Asset Management Strategic Bond Opportunities Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Western Asset Management Company, LLC |
|
|
|
|
|
| Temporary Fee Reductions, Current Expenses [Text Block] |
The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Investment Risk |
|
| Item 2. Key Information [Line Items] |
|
| Risk [Text Block] |
An investment in this Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Certificate. 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 Risk [Text Block] |
Investment Risk. MetLife does not guarantee the investment performance of the Divisions and you should consider your risk tolerance before selecting any of these options. If you invest Cash Value in one or more of the Divisions of the Separate Account, then you will be subject to the risk that investment performance will be unfavorable and that your cash value will decrease. An investment in this Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the Portfolios available under the Certificate. Each investment option (including any Fixed Account option) has its own unique risks. You should review the investment options before making an investment decision. A comprehensive discussion of the risks of each of the Portfolios may be found in each Portfolio’s prospectus. Please refer to the prospectuses for the Portfolios for more information. There is no assurance that any of the Portfolios will achieve its stated investment objective. In addition, we deduct certain Certificate fees and charges from your Certificate’s cash value, which can significantly reduce your Certificate’s cash value. During times of poor investment performance, these deductions may have an even greater impact on your Certificate’s cash value. It is possible to lose your full investment and your Certificate could lapse (terminate without value), unless you pay additional premiums.If you allocate Cash Value to the Fixed Account, then we credit such Cash Value with a declared rate of interest. You assume the risk that the interest rate credited to the Fixed Account may decrease, although it will never be lower than the guaranteed minimum annual effective rate stated in your Certificate.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Surrender and Withdrawal Risks-Short Term Investment Risk |
|
| Item 2. Key Information [Line Items] |
|
| Principal Risk [Text Block] |
Surrender and Withdrawal Risks (Short-Term Investment Risk). The Certificates are designed to provide lifetime insurance protection. They are not offered primarily as an investment, and are not suitable as a short-term savings vehicle. You should purchase the Certificate only if you have the financial ability to keep it in force for a substantial period of time. You should not purchase the Certificate if you intend to surrender all or part of the Certificate’s cash value in the near future. A surrender, in whole or in part, may have tax consequences.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Certificate Charge and Expense Increase |
|
| Item 2. Key Information [Line Items] |
|
| Principal Risk [Text Block] |
Risk of an Increase in Current Fees and Expenses. We have the right to increase certain Certificate charges. If fees and expenses are increased, you may need to increase the amount and/or frequency of premiums to keep the Certificate in force.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Limitations on Access to Cash Value |
|
| Item 2. Key Information [Line Items] |
|
| Principal Risk [Text Block] |
Limitations on Access to Cash Value. We limit partial withdrawals of cash value from the Certificates to amounts not less than $200 and in some cases, for amounts you request to withdraw from the Fixed Account, not more than the greater of (a) $200, and (b) 25% of the largest amount in the Fixed Account over the last four Certificate years (or since the Date of Certificate if the Certificate has been in effect for less than four years).
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Limitations on Transfers |
|
| Item 2. Key Information [Line Items] |
|
| Principal Risk [Text Block] |
Limitations on Transfers. We do not currently charge for transfers, but we reserve the right to charge up to $25 per transfer, except for transfers under the Automated Investment Strategies. We have adopted procedures to limit excessive transfer activity. In addition, each Fund may restrict or refuse certain transfers among, or purchases of shares in their Portfolios as a result of certain market timing activities. You should read each Portfolio's prospectus for more details. The minimum amount you may transfer is $200 or, if less, the total amount in an investment option. In some cases, the minimum amount you may withdraw is $200 or, if less, the total amount in an investment option. We reserve the right to limit transfers from the Fixed Account in any Certificate year to 25% of the largest amount in the Fixed Account over the last four Certificate years (or since the Date of Certificate if the Certificate has been in effect for less than four years).
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Tax Risks |
|
| Item 2. Key Information [Line Items] |
|
| Principal Risk [Text Block] |
Tax Treatment. We anticipate that the Certificate should generally be deemed a life insurance contract under federal tax law. Assuming that a Certificate qualifies as a life insurance contract for income tax purposes, you should not be deemed to be in receipt of any portion of your Certificate’s cash value until there is an actual distribution from the Certificate. Moreover, insurance proceeds payable under the Certificate should be excludable from the gross income of the Beneficiary. Although the Beneficiary generally should not have to pay federal income tax on the insurance proceeds, other taxes, such as estate taxes, may apply.If you pay more than a certain amount of premiums, you may cause your Certificate to become a “modified endowment contract” (“MEC”) under federal tax laws. If it does, you will pay income taxes on loans and other amounts we pay out to you (except for payment of insurance proceeds) to the extent of any gains in your Certificate (which is generally the excess of cash value over the premiums paid). In this case, an additional 10% tax penalty may also apply.Tax laws, regulations, and interpretations have often been changed in the past and such changes continue to be proposed. As with any taxation matter, you should consult with and rely on the advice of your own tax adviser.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Loan Risk |
|
| Item 2. Key Information [Line Items] |
|
| Principal Risk [Text Block] |
Loans. Before taking a Certificate loan you should consider that interest payments on loans are generally not deductible for tax purposes, that under certain situations, Certificate loans could be considered taxable distributions, and that amounts held in your Certificate loan account do not participate in the investment experience of the Divisions or receive the interest rate credited to the Fixed Account, either of which may be higher than the interest rate credited on the amount you borrow. If you surrender your Certificate or if we terminate your Certificate, or at the Final Date, any outstanding loan amounts (plus accrued interest) will be taxed as a distribution (see “Federal Tax Matters — Loans”). In addition, a Certificate loan increases the chances of our terminating your Certificate due to insufficient cash value and your Certificate's death proceeds will be reduced by any unpaid loan (plus any accrued and unpaid loan interest).
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Cybersecurity |
|
| Item 2. Key Information [Line Items] |
|
| Principal Risk [Text Block] |
Cybersecurity. Our business is highly dependent upon the effective operation of our information systems, and those of our service providers, vendors, and other third parties. Cybersecurity breaches of such systems can be intentional or unintentional events, and can occur through unauthorized access to computer systems, networks or devices; infection from computer viruses or other malicious software code; or attacks that shut down, disable, slow or otherwise disrupt operations, business processes or website access or functionality and our disaster recovery systems may be insufficient to safeguard our ability to conduct business. Cybersecurity breaches can interfere with our processing of Certificate transactions, including the processing of transfer orders from our website or with the Portfolios; impact our ability to calculate Accumulation Unit Values; cause the release and possible loss or destruction of confidential Owner or business information; impede order processing or cause other operational issues; and result in regulatory enforcement actions or new laws or regulations which could increase our compliance costs. Although we continually make efforts to identify and reduce our exposure to cybersecurity risk, and we require our critical vendors to implement effective cybersecurity and data protection measures, there is no guarantee that we will be able to successfully manage this risk at all times.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Terrorism and Security Risk |
|
| Item 2. Key Information [Line Items] |
|
| Principal Risk [Text Block] |
Terrorism and Security Risk. The continued threat of terrorism, ongoing or potential military conflict and other actions, and heightened security measures may cause economic uncertainty and result in loss of life, property damage, additional disruptions to commerce and reduced economic activity. The value of MetLife's investment portfolio may be adversely affected by declines in the credit and equity markets and reduced economic activity caused by such threats. Companies in which we maintain investments may suffer losses as a result of financial, commercial or economic disruptions, and such disruptions might affect the ability of those companies to pay interest or principal on their securities or mortgage loans. Terrorist or military actions also could disrupt our operations centers and result in higher than anticipated claims under our insurance policies.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Technology Risk |
|
| Item 2. Key Information [Line Items] |
|
| Principal Risk [Text Block] |
Technology Risk. Our business operations rely on functioning and secure information systems, including those of our vendors and other third parties. Technological changes present us with new or intensified challenges, and if we are unable to foresee or adapt to these changes, our business may be adversely affected. Technological changes may affect our business model and how we interact with our customers. The growth and availability of AI technologies, including generative AI, presents significant opportunities but also complex challenges; these include balancing and mitigating potential risks of harm posed by the development or deployment of AI technologies, as well as implementing and maintaining controls reasonably designed to ensure compliance with an increasingly complex AI regulatory landscape, with evolving requirements that may vary across jurisdictions. We may fail to adopt new technologies as effectively or efficiently as others, leading to competitive harm. If we are unable to update our business model to match evolving consumer preferences or the evolving technological landscape, we may be adversely affected. New technologies may impact the configuration of our information systems, and how they connect with those of our vendors, service providers and/or partners. Such technological developments may introduce or uncover information security vulnerabilities, which may result in breaches, increased costs associated with maintaining appropriate data privacy, data protection, and cybersecurity measures, enforcement actions against us by regulators or other outcomes that may adversely impact our operations or business. In addition, any such vulnerability that results in a security breach or failure of our information systems, or those of third parties on which we rely, may result in litigation, regulatory action, negative impacts to our business operations, and reputational harm.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Risk of Loss [Member] |
|
| Item 2. Key Information [Line Items] |
|
| Risk [Text Block] |
You can lose money by investing in this Certificate, including loss of principal.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Not Short Term Investment Risk [Member] |
|
| Item 2. Key Information [Line Items] |
|
| Risk [Text Block] |
The Certificates are designed to provide 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 a transaction charge when surrendering the Certificate. In addition, withdrawals may be subject to ordinary income tax and tax penalties.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Insurance Company Risk [Member] |
|
| Item 2. Key Information [Line Items] |
|
| Risk [Text Block] |
Investments in the Certificate are subject to the risks related to Metropolitan Life, including any obligations (including under any Fixed Account investment option), guarantees, and benefits of the Certificate, including any death benefit, that 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) 756-0124 or by visiting https://www.metlife.com/about-us/corporate-profile/ratings.
|
| Principal Risk [Text Block] |
Insurance Company Risks. Certificates are subject to the risks related to Metropolitan Life. Any obligations (including under any Fixed Account investment option), guarantees, and benefits of the Policy 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) 756-0124 or by visiting www.metlife.com/about-us/corporate-profile/ratings.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Contract Lapse Risk [Member] |
|
| Item 2. Key Information [Line Items] |
|
| Risk [Text Block] |
Your Certificate may lapse if you have paid an insufficient amount of premiums or if the investment experience of the Portfolios is poor and the Cash Surrender Value under your Certificate is insufficient to cover the monthly deduction. Lapse of a Certificate on which there is an outstanding loan may have adverse tax consequences. If the Certificate lapses, no death benefit will be paid. A Certificate may be reinstated if the conditions for reinstatement are met including the payment of required premiums.
|
| Principal Risk [Text Block] |
Certificate Lapse. Your Certificate may lapse without value if you have paid an insufficient amount of premiums or if the investment experience of the Divisions is poor. If your Cash Surrender Value is not enough to pay the monthly deduction, your Certificate will lapse without value unless you make a premium payment sufficient to cover two monthly deductions within the 61-day grace period. If your Certificate does lapse, your insurance coverage will terminate (although you will be given an opportunity to reinstate your coverage if you satisfy certain requirements). Lapse of a Certificate on which there is an outstanding loan may have adverse tax consequences. In certain situations your Certificate may also terminate if your Employer ends its participation in the Group Policy.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Baillie Gifford International Stock Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Baillie Gifford International Stock Portfolio* - Class A
|
| Portfolio Company Objective [Text Block] |
International Equity
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
Baillie Gifford Overseas Limited
|
| Current Expenses [Percent] |
0.74%
|
| Average Annual Total Returns, 1 Year [Percent] |
19.31%
|
| Average Annual Total Returns, 5 Years [Percent] |
0.96%
|
| Average Annual Total Returns, 10 Years [Percent] |
7.62%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | BlackRock Bond Income Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
BlackRock Bond Income Portfolio* - Class A
|
| Portfolio Company Objective [Text Block] |
US Fixed Income
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
BlackRock Advisors, LLC
|
| Current Expenses [Percent] |
0.38%
|
| Average Annual Total Returns, 1 Year [Percent] |
7.95%
|
| Average Annual Total Returns, 5 Years [Percent] |
(0.17%)
|
| Average Annual Total Returns, 10 Years [Percent] |
2.38%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | BrighthouseWellington Balanced Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Brighthouse/Wellington Balanced Portfolio - Class A
|
| Portfolio Company Objective [Text Block] |
Allocation
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
Wellington Management Company LLP
|
| Current Expenses [Percent] |
0.52%
|
| Average Annual Total Returns, 1 Year [Percent] |
12.67%
|
| Average Annual Total Returns, 5 Years [Percent] |
7.45%
|
| Average Annual Total Returns, 10 Years [Percent] |
9.41%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Brighthouse Wellington Large Cap Research Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Brighthouse/Wellington Large Cap Research Portfolio* - Class A
|
| Portfolio Company Objective [Text Block] |
US Equity
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
Wellington Management Company LLP
|
| Current Expenses [Percent] |
0.54%
|
| Average Annual Total Returns, 1 Year [Percent] |
15.91%
|
| Average Annual Total Returns, 5 Years [Percent] |
12.30%
|
| Average Annual Total Returns, 10 Years [Percent] |
13.62%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Freedom 2010 Portfolio - Initial Class |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Freedom 2010 Portfolio - Initial Class
|
| Portfolio Company Objective [Text Block] |
Target Date
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
| Current Expenses [Percent] |
0.38%
|
| Average Annual Total Returns, 1 Year [Percent] |
10.53%
|
| Average Annual Total Returns, 5 Years [Percent] |
3.15%
|
| Average Annual Total Returns, 10 Years [Percent] |
5.73%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Freedom 2020 Portfolio - Initial Class |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Freedom 2020 Portfolio - Initial Class
|
| Portfolio Company Objective [Text Block] |
Target Date
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
| Current Expenses [Percent] |
0.44%
|
| Average Annual Total Returns, 1 Year [Percent] |
13.33%
|
| Average Annual Total Returns, 5 Years [Percent] |
4.84%
|
| Average Annual Total Returns, 10 Years [Percent] |
7.38%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Freedom 2030 Portfolio - Initial Class |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Freedom 2030 Portfolio - Initial Class
|
| Portfolio Company Objective [Text Block] |
Target Date
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
| Current Expenses [Percent] |
0.49%
|
| Average Annual Total Returns, 1 Year [Percent] |
15.52%
|
| Average Annual Total Returns, 5 Years [Percent] |
6.25%
|
| Average Annual Total Returns, 10 Years [Percent] |
8.88%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Freedom 2040 Portfolio - Initial Class |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Freedom 2040 Portfolio - Initial Class
|
| Portfolio Company Objective [Text Block] |
Target Date
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
| Current Expenses [Percent] |
0.57%
|
| Average Annual Total Returns, 1 Year [Percent] |
18.79%
|
| Average Annual Total Returns, 5 Years [Percent] |
9.01%
|
| Average Annual Total Returns, 10 Years [Percent] |
10.87%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Freedom 2050 Portfolio - Initial Class |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Freedom 2050 Portfolio - Initial Class
|
| Portfolio Company Objective [Text Block] |
Target Date
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
| Current Expenses [Percent] |
0.60%
|
| Average Annual Total Returns, 1 Year [Percent] |
19.79%
|
| Average Annual Total Returns, 5 Years [Percent] |
9.43%
|
| Average Annual Total Returns, 10 Years [Percent] |
11.08%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Freedom 2060 Portfolio - Initial Class |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Freedom 2060 Portfolio - Initial Class
|
| Portfolio Company Objective [Text Block] |
Target Date
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
| Current Expenses [Percent] |
0.60%
|
| Average Annual Total Returns, 1 Year [Percent] |
19.83%
|
| Average Annual Total Returns, 5 Years [Percent] |
9.44%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Frontier Mid Cap Growth Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Frontier Mid Cap Growth Portfolio*§ - Class A
|
| Portfolio Company Objective [Text Block] |
US Equity
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
Frontier Capital Management Company, LLC
|
| Current Expenses [Percent] |
0.69%
|
| Average Annual Total Returns, 1 Year [Percent] |
5.16%
|
| Average Annual Total Returns, 5 Years [Percent] |
3.79%
|
| Average Annual Total Returns, 10 Years [Percent] |
10.15%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Invesco Global Equity Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Invesco Global Equity Portfolio* - Class A
|
| Portfolio Company Objective [Text Block] |
Global Equity
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
Invesco Advisers, Inc.
|
| Current Expenses [Percent] |
0.58%
|
| Average Annual Total Returns, 1 Year [Percent] |
15.88%
|
| Average Annual Total Returns, 5 Years [Percent] |
7.56%
|
| Average Annual Total Returns, 10 Years [Percent] |
11.28%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | MetLife Aggregate Bond Index Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
MetLife Aggregate Bond Index Portfolio* - Class A
|
| Portfolio Company Objective [Text Block] |
US Fixed Income
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
MetLife Investment Management, LLC
|
| Current Expenses [Percent] |
0.26%
|
| Average Annual Total Returns, 1 Year [Percent] |
7.04%
|
| Average Annual Total Returns, 5 Years [Percent] |
(0.64%)
|
| Average Annual Total Returns, 10 Years [Percent] |
1.75%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | MetLife MSCI EAFE Index Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
MetLife MSCI EAFE® Index Portfolio - Class A
|
| Portfolio Company Objective [Text Block] |
International Equity
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
MetLife Investment Management, LLC
|
| Current Expenses [Percent] |
0.37%
|
| Average Annual Total Returns, 1 Year [Percent] |
31.02%
|
| Average Annual Total Returns, 5 Years [Percent] |
8.62%
|
| Average Annual Total Returns, 10 Years [Percent] |
8.04%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | MetLife Russell 2000 Index Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
MetLife Russell 2000® Index Portfolio - Class A
|
| Portfolio Company Objective [Text Block] |
US Equity
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
MetLife Investment Management, LLC
|
| Current Expenses [Percent] |
0.30%
|
| Average Annual Total Returns, 1 Year [Percent] |
12.66%
|
| Average Annual Total Returns, 5 Years [Percent] |
5.99%
|
| Average Annual Total Returns, 10 Years [Percent] |
9.55%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | MetLife Stock Index Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
MetLife Stock Index Portfolio* - Class A
|
| Portfolio Company Objective [Text Block] |
US Equity
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
MetLife Investment Management, LLC
|
| Current Expenses [Percent] |
0.27%
|
| Average Annual Total Returns, 1 Year [Percent] |
17.59%
|
| Average Annual Total Returns, 5 Years [Percent] |
14.13%
|
| Average Annual Total Returns, 10 Years [Percent] |
14.53%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | MFS Value Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
MFS® Value Portfolio* - Class A
|
| Portfolio Company Objective [Text Block] |
US Equity
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
Massachusetts Financial Services Company
|
| Current Expenses [Percent] |
0.58%
|
| Average Annual Total Returns, 1 Year [Percent] |
13.29%
|
| Average Annual Total Returns, 5 Years [Percent] |
10.11%
|
| Average Annual Total Returns, 10 Years [Percent] |
10.27%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Morgan Stanley Discovery Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Morgan Stanley Discovery Portfolio* - Class A
|
| Portfolio Company Objective [Text Block] |
US Equity
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
Morgan Stanley Investment Management Inc.
|
| Current Expenses [Percent] |
0.65%
|
| Average Annual Total Returns, 1 Year [Percent] |
13.55%
|
| Average Annual Total Returns, 5 Years [Percent] |
(5.58%)
|
| Average Annual Total Returns, 10 Years [Percent] |
14.29%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | T Rowe Price Small Cap Growth Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
T. Rowe Price Small Cap Growth Portfolio - Class A
|
| Portfolio Company Objective [Text Block] |
US Equity
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
T. Rowe Price Associates, Inc.
|
| Current Expenses [Percent] |
0.51%
|
| Average Annual Total Returns, 1 Year [Percent] |
10.30%
|
| Average Annual Total Returns, 5 Years [Percent] |
5.75%
|
| Average Annual Total Returns, 10 Years [Percent] |
10.88%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Western Asset Management Strategic Bond Opportunities Portfolio - Class A |
|
| Item 2. Key Information [Line Items] |
|
| Portfolio Company Name [Text Block] |
Western Asset Management Strategic Bond Opportunities Portfolio* - Class A
|
| Portfolio Company Objective [Text Block] |
US Fixed Income
|
| Portfolio Company Adviser [Text Block] |
Brighthouse Investment Advisers, LLC
|
| Portfolio Company Subadviser [Text Block] |
Western Asset Management Company, LLC
|
| Current Expenses [Percent] |
0.57%
|
| Average Annual Total Returns, 1 Year [Percent] |
9.07%
|
| Average Annual Total Returns, 5 Years [Percent] |
1.42%
|
| Average Annual Total Returns, 10 Years [Percent] |
4.03%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Waiver of Monthly Deductions Rider |
|
| Item 2. Key Information [Line Items] |
|
| Name of Benefit [Text Block] |
Disability Waiver of Monthly Deduction Rider
|
| Purpose of Benefit [Text Block] |
This rider provides for the waiver of certain monthly deductions, upon proof of total disability.
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
The rider is standard if elected by the Employer at the group level. There is no individual election at the Employee level, and the Employee may not terminate the benefit. You should ask your Employer if this benefit is included.
|
| Name of Benefit [Text Block] |
Disability Waiver of Monthly Deduction Rider
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Dependent Life Benefit Children's Term Insurance Benefit |
|
| Item 2. Key Information [Line Items] |
|
| Optional Benefit Charge, Description [Text Block] |
Dependent life benefits (children coverage only)
|
| Optional Benefit Charge, When Deducted [Text Block] |
Monthly
|
| Optional Benefit Expense (of Benefit Base), Maximum [Percent] |
0.18%
|
| Name of Benefit [Text Block] |
Dependent Life Benefit — Children’s Term Insurance Benefit Rider
|
| Purpose of Benefit [Text Block] |
This rider provides term life insurance coverage for the Employee's children.
|
| Optional Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
You may choose to add this benefit if your Employer makes the benefit available. Depending upon your Employer's elected rider benefit, you may also need to be on active status. You should ask your Employer if this benefit is included and whether you need to be on active status in order to elect it.
|
| Name of Benefit [Text Block] |
Dependent Life Benefit — Children’s Term Insurance Benefit Rider
|
| Operation of Benefit [Text Block] |
Dependent Life Benefit - Children’s Term Insurance Benefit Rider. This rider provides term insurance on the lives of children of the Insured. Under the rider, we will pay the term insurance benefit to the Beneficiary upon the death of the insured child while the rider is in force.For example, if you purchased this rider on your Certificate for a coverage amount of $2,000 and one of your children were to die while your Certificate and this rider were in force, we would pay a $2,000 benefit to the Beneficiary.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Dependent Life Benefit Spouse Term Insurance Benefit |
|
| Item 2. Key Information [Line Items] |
|
| Optional Benefit Charge, Description [Text Block] |
Dependent life benefits (spouse coverage only)(6), (8)
|
| Optional Benefit Charge, When Deducted [Text Block] |
Monthly
|
| Optional Benefit Charge, Representative [Text Block] |
Charge for a Representative Insured(2)$0.59 per $1,000 of net amount at risk
|
| Optional Benefit Expense (of Benefit Base), Maximum [Percent] |
45.67%
|
| Optional Benefit Expense (of Benefit Base), Minimum [Percent] |
0.14%
|
| Name of Benefit [Text Block] |
Dependent Life Benefit — Spouse's Insurance Benefit
|
| Purpose of Benefit [Text Block] |
This benefit provides life insurance coverage for the Employee's spouse.
|
| Optional Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
You may choose to add this benefit if your Employer makes the benefit available. Depending upon your Employer's elected benefit, you may also need to be on active status. You should ask your Employer if this benefit is included and whether you need to be on active status in order to elect it.
|
| Name of Benefit [Text Block] |
Dependent Life Benefit — Spouse's Insurance Benefit
|
| Operation of Benefit [Text Block] |
Spouse's Life Benefit. Depending on your Employer, this benefit is either a Spouse's term insurance benefit which provides term insurance on your Spouse or a separate Spouse's Certificate, which provides for the accumulation of its own Cash Value. Under the benefit, we will pay the insurance benefit to the Beneficiary upon the death of the insured Spouse while the coverage is in force.For example, if you have $2,000 of coverage and your Spouse dies while the coverage is in force, we would pay a $2,000 benefit to the Beneficiary. .
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Accelerated Benefits Rider |
|
| Item 2. Key Information [Line Items] |
|
| Other Transaction Fee, Description [Text Block] |
Accelerated Benefits Rider Administrative Charge
|
| Other Transaction Fee, When Deducted [Text Block] |
At the time the Benefit is paid
|
| Other Transaction Fee, Maximum [Dollars] |
$ 150
|
| Name of Benefit [Text Block] |
Accelerated Benefits Rider
|
| Purpose of Benefit [Text Block] |
This rider permits the insured to accelerate a portion of the applicable death benefit if the Employee is terminally ill as defined in the rider.
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
The rider is standard if elected by the Employer at the group level. There is no individual election at the Employee level, and the Employee may not terminate the benefit. You should ask your Employer if this benefit is included.
|
| Name of Benefit [Text Block] |
Accelerated Benefits Rider
|
| Operation of Benefit [Text Block] |
Accelerated Benefits Rider. Under this rider, you may accelerate payment of all or part of the Certificate's death benefit if the Insured is terminally ill, as defined in the rider. If you added this rider to your Certificate and both the Certificate and rider were in force at a time where the Insured was determined to be terminally ill (per the terms of the rider), you could request an acceleration of some or all of the death benefit (subject to the minimums and maximums). Payment under this rider may affect eligibility for benefits under state or federal law.For example, if the Certificate's death benefit was $100,000, you could elect up to 80% of this amount minus any loan or loan interest outstanding. .
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | PaidUp Certificate Benefit |
|
| Item 2. Key Information [Line Items] |
|
| Name of Benefit [Text Block] |
Paid-Up Certificate Benefit
|
| Purpose of Benefit [Text Block] |
Terminates the death benefit (and any riders in effect) and uses all or part of the Cash Surrender Value as a single premium for a “paid-up” benefit.
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
The paid-up benefit must not be more than can be purchased using the Certificate’s Cash Surrender Value, more than the death benefit under the Certificate at the time you choose to use this provision, or less than $10,000.
|
| Name of Benefit [Text Block] |
Paid-Up Certificate Benefit
|
| Operation of Benefit [Text Block] |
Paid-Up Certificate Benefit. You can choose to terminate the death benefit (and any riders in effect) and use all or part of the Cash Surrender Value as a single premium for a paid up benefit. (Paid up means no further premiums are required.)For example, if you have a Cash Surrender value of $10,000, you may terminate the death benefit and any riders in effect and purchase a paid up benefit for $10,000 which will be payable upon the Insured’s death.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Will Preparation Service |
|
| Item 2. Key Information [Line Items] |
|
| Name of Benefit [Text Block] |
Will Preparation Service Rider
|
| Purpose of Benefit [Text Block] |
MetLife makes a will preparation service available to you (subject to state variations).
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
The rider is standard unless your Employer decides not to make it available. The will preparation service is made available through a MetLife affiliate.
|
| Name of Benefit [Text Block] |
Will Preparation Service Rider
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Estate Resolution Services |
|
| Item 2. Key Information [Line Items] |
|
| Name of Benefit [Text Block] |
Estate Resolution Services Rider
|
| Purpose of Benefit [Text Block] |
This rider provides certain probate services in the event you or your Spouse dies (subject to state variations).
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
The rider is standard unless your Employer decides not to make it available. The will preparation service is made available through a MetLife affiliate.
|
| Name of Benefit [Text Block] |
Estate Resolution Services Rider
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Digital Estate Planning Rider |
|
| Item 2. Key Information [Line Items] |
|
| Name of Benefit [Text Block] |
Digital Estate Planning Rider
|
| Purpose of Benefit [Text Block] |
MetLife makes a Digital Estate Planning Platform available to you (subject to state variations).
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
The rider is standard unless your Employer decides not to make it available. The Digital Estate Planning Platform is made available through a MetLife affiliate.
|
| Name of Benefit [Text Block] |
Digital Estate Planning Rider
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Bereavement Services Rider |
|
| Item 2. Key Information [Line Items] |
|
| Name of Benefit [Text Block] |
Bereavement Services Rider
|
| Purpose of Benefit [Text Block] |
This benefit provides certain bereavement services to beneficiaries.
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
The rider is standard unless your Employer decides not to make it available. The bereavement services are made available by a third-party provider.
|
| Name of Benefit [Text Block] |
Bereavement Services Rider
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Grief Counseling Services Rider |
|
| Item 2. Key Information [Line Items] |
|
| Name of Benefit [Text Block] |
Grief Counseling Services Rider
|
| Purpose of Benefit [Text Block] |
This benefit provides certain grief counseling services to beneficiaries.
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
The rider is standard unless your Employer decides not to make it available. The grief counseling services are made available by a third-party provider.
|
| Name of Benefit [Text Block] |
Grief Counseling Services Rider
|
| Operation of Benefit [Text Block] |
Grief Counseling Services Rider. Employees who become insured under the Group Contract are eligible to receive non-insured grief counseling services at no additional premium. MetLife has arranged for these services to be provided to Employees through a third-party service provider. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Funeral Services Rider |
|
| Item 2. Key Information [Line Items] |
|
| Name of Benefit [Text Block] |
Funeral Services Rider
|
| Purpose of Benefit [Text Block] |
This benefit provides certain funeral services to you, your spouse and children.
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
The rider is standard unless your Employer decides not to make it available. The funeral services are made available by a third-party provider.
|
| Name of Benefit [Text Block] |
Funeral Services Rider
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Rebalancer |
|
| Item 2. Key Information [Line Items] |
|
| Name of Benefit [Text Block] |
Rebalancer(SM)
|
| Purpose of Benefit [Text Block] |
Allows you to redistribute amounts in the Fixed Account and the Divisions in the same proportion that the net premium are then being allocated on a quarterly basis.
|
| Standard Benefit [Flag] |
true
|
| Brief Restrictions / Limitations [Text Block] |
You may elect this option if your Employer makes it available. You should ask your Employer if this option is available.
|
| Name of Benefit [Text Block] |
Rebalancer(SM)
|
| Operation of Benefit [Text Block] |
RebalancerSM: The Rebalancer allows you to periodically redistribute amounts in the Fixed Account and the Divisions in the same proportion that the net premiums are then being allocated. We currently make the redistribution each quarter.For example, if you elect the Rebalancer and allocate 50% of your premium to the Fixed Account and 50% to a Division in the Separate Account, each quarter we will redistribute amounts in the Fixed Account and the Division so that 50% is in the Fixed Account and 50% is in the Division of the Separate Account.Each rider contains important information, including limits and conditions that apply to the benefits. If you decide to purchase any of the riders, you should carefully review their provisions to be sure the benefit is something that you want.You should also consider:●That the amount of benefits provided under the rider is not based on investment performance of a Separate Account; but, if the Certificate terminates because of poor investment performance or any other reason, the rider generally will also terminate;●That there are tax consequences. You should consult with your tax adviser before purchasing one of the riders.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | State Tax |
|
| Item 2. Key Information [Line Items] |
|
| Premium Taxes, Description [Text Block] |
State premium tax charge1
|
| Premium Taxes, When Deducted [Text Block] |
On payment of premium
|
| Premium Taxes (of Other Amount), Maximum [Percent] |
2.55%
|
| Premium Taxes, Footnotes [Text Block] |
Currently, we are charging covered Employer groups rates up to 2.55%, which reflect the average state premium taxes currently being charged for the group. There is no specific maximum rate we may charge.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Federal Tax |
|
| Item 2. Key Information [Line Items] |
|
| Premium Taxes, Description [Text Block] |
Federal premium tax charge1
|
| Premium Taxes, When Deducted [Text Block] |
On payment of premium
|
| Premium Taxes (of Premium Payments), Maximum [Percent] |
0.35%
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Loans |
|
| Item 2. Key Information [Line Items] |
|
| Other Transaction Fee, Description [Text Block] |
transaction fees3
|
| Other Transaction Fee, When Deducted [Text Block] |
loan
|
| Other Transaction Fee, Maximum [Dollars] |
$ 25
|
| Other Transaction Fee (of Other Amount), Footnotes [Text Block] |
The transaction fee is the lesser of 2% of the amount withdrawn or $25. Generally, we will not apply any transaction fee for the surrender of a Certificate because of the termination of an Employer’s participation in the Group Policy. We are not currently imposing this charge. See your Certificate for more details.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Disability Waiver of Monthly Deduction Benefit |
|
| Item 2. Key Information [Line Items] |
|
| Optional Benefit Charge, When Deducted [Text Block] |
Disability waiver of monthly deduction riderMonthly
|
| Optional Benefit Charge, Representative [Text Block] |
Charge for a Representative Insured (2)$0.00 per $1,000 of net amount at risk
|
| Optional Benefit Expense (of Other Amount), Maximum [Percent] |
45.67%
|
| Optional Benefit Expense (of Other Amount), Minimum [Percent] |
0.14%
|
| Operation of Benefit [Text Block] |
Disability Waiver of Monthly Deduction Rider. Upon proof of disability, this rider provides for a waiver of monthly deduction amounts with respect to the specified face amount covered by the rider. If you purchased this rider and the insured became disabled as defined in the rider, while the Certificate and the rider were still in force the eligible portion of monthly deductions would be waived while the insured was disabled. An increase in specified face amount may not be covered by this rider. If not, the portion of the monthly deduction associated with the increase will continue to be deducted from the cash value, which if insufficient, could result in the Certificate’s termination. For this reason, it may be advantageous for the Owner, at the time of total disability, to reduce the specified face amount to that covered by this rider.For example, if you become totally disabled as defined in the rider, your life insurance coverage remains in force, without premiums being paid. This waiver applies to both the Employees insurance coverage and any associated rider coverages but does not include any optional investment premium or separate Spouse Certificate.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Option 1 Death Benefit |
|
| Item 2. Key Information [Line Items] |
|
| Standard Death Benefit [Text Block] |
Standard Death BenefitThe death benefit varies and equals the specified face amount of insurance of the Certificate plus the cash value on the date of death.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Option 2 Death Benefit |
|
| Item 2. Key Information [Line Items] |
|
| Standard Death Benefit [Text Block] |
Alternate Death BenefitIn order to ensure that the Certificate qualifies as life insurance under the federal income tax laws, the Beneficiary will receive an alternate death benefit if it is greater than the amount that the Beneficiary would have received under the death benefit described above. The alternate death benefit is calculated by multiplying the Certificate’s cash value by a prescribed percentage. The prescribed percentage is determined by the covered person’s age at the time of the calculation and declines as the covered person grows older. The alternate death benefit is as follows:
Age of Covered Person at Death |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
|
| |
| *For the ages not listed, the percentage decreases by a ratable portion for each full year.During any period when your cash value is high enough that the alternate death benefit applies, your charges for insurance costs will be higher, since the effective amount of your coverage will be greater. In no event will the death benefit be less than the minimum insurance amount required under current federal income tax rules applicable to the definition of life insurance as in effect on the date your Certificate is issued.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Will Preparation Service Rider |
|
| Item 2. Key Information [Line Items] |
|
| Operation of Benefit [Text Block] |
Will Preparation Service Rider. This rider provides you with a will preparation service (“Service”) while this rider and the Certificate are in force. This Service is made available to you, at no cost, through a MetLife affiliate (“Affiliate”). This Service provides for a will to be prepared by attorneys designated by the Affiliate for you and your Spouse. If you have a will prepared by an attorney not designated by the Affiliate, you must pay the attorney’s services directly. Upon proof of such payment, you will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount you paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.For example, if you decide that you would like to have a codicil to your will prepared, this service enables you to work one-on-one with an attorney, in-person, on the phone, or online to prepare the codicil to your will free of charge, subject to state variations.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Estate Resolution Services Rider |
|
| Item 2. Key Information [Line Items] |
|
| Operation of Benefit [Text Block] |
Estate Resolution Services Rider. If you or your Spouse die while this rider and the Certificate are in force, a probate benefit (the “Benefit”) will be made available to the estate of the deceased. The Benefit is available through an Affiliate. The Benefit provides for certain probate services to be made available, free of charge, by attorneys designated by the Affiliate. If probate services are provided by an attorney not designated by the Affiliate, the estate of the deceased must pay for those attorney’s services directly. Upon proof of such payment, the estate of the deceased will be reimbursed for the attorney’s services in an amount equal to the lesser of the amount such estate paid for the attorney’s services and the amount customarily reimbursed for such services by the Affiliate.For example, the executor of your estate may use the Benefit to receive unlimited consultations, either face-to-face with an attorney or by phone to assist in settling your estate.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Digital Estate Planning |
|
| Item 2. Key Information [Line Items] |
|
| Operation of Benefit [Text Block] |
Digital Estate Planning. A Digital Estate Planning Platform is included with Group Variable Universal Life (GVUL) Insurance at no additional cost. MetLife has arranged for this platform to be provided by a MetLife affiliate (the "Affiliate"). This platform will be made available to Employees and their Spouses through https://login.legalplans.com/login and includes facilitation of the selection, completion and execution of common estate planning documents.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Beneficiary and Bereavement Services |
|
| Item 2. Key Information [Line Items] |
|
| Operation of Benefit [Text Block] |
Beneficiary and Bereavement Services. Beneficiary and Bereavement Services are included with Group Variable Universal Life (GVUL) Insurance for no additional premium. MetLife may arrange for some portion of these services to be provided to Owners and Beneficiaries by a third-party provider.
|
| Group Variable Universal Life Insurance Policies (?Group Policies?) | Funeral Services Discount Disclosure |
|
| Item 2. Key Information [Line Items] |
|
| Operation of Benefit [Text Block] |
Funeral Services Discount Disclosure. Employees who become insured under the Group Contract are eligible to receive discounts of up to 10% off the service provider’s standard price for certain funeral services including funeral, cremation and cemetery products and services provided by a third-party national network of funeral and funeral planning providers while such insurance remains in effect. Employees who become insured will also have access to funeral planning resources including funeral planning tools and concierge services provided by the same national network of providers. MetLife has arranged for these services and discounts to be provided to Employees and their spouses and children and the parents, grandparents and great-grandparents of the Employees and their spouses for no additional premium. MetLife is not responsible for providing or failing to provide these services nor is it liable for any negligence in the provision of such services by the third-party service provider.The discounts and planning services are not available in all jurisdictions and are subject to regulatory approval.
|