GROUP AND INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICIES (MFS) Childrens Life Insurance Rider Spouse Life Insurance Rider Accelerated Death Benefit Settlement Option Rider Will Preparation Service Rider Estate Resolution Services Rider Dollar Cost Averaging Automatic Investment Strategy Annual Automatic Portfolio Rebalancing MFS Core Equity Portfolio - Initial Class MFS Global Equity Series - Initial Class MFS Growth Series - Initial Class MFS High Yield Portfolio - Initial Class MFS Income Portfolio - Initial Class MFS Investors Trust Series - Initial Class MFS Massachusetts Investors Growth Stock Portfolio - Initial Class MFS Mid Cap Growth Series - Initial Class MFS New Discovery Series - Initial Class MFS Research Series - Initial Class MFS Total Return Bond Series - Initial Class MFS Total Return Series - Initial Class MFS US Government Money Market Portfolio - Initial Class MFS Utilities Series - Initial Class MFS Value Series - Initial Class Policies issued under Group Contracts Policies treated as individual contracts under the Omnibus Budget Reconciliation Act of 1990 Accelerated Benefits Rider Option 1 Death Benefit Option 2 Death Benefit Dollar Cost Averaging Risks Associated with Investment Options Policy Lapse Investment Risk Risk of An Increase In Current Fees and Expenses Limitations on Access to Cash Value Limitations on Transfers Tax Treatment Surrender and Withdrawal Risks-Short Term Investment Risk Loans Pandemics and Other Public Health Issues and Other Events Cybersecurity Terrorism and Security Risk Technology Risk GROUP AND INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICIES (DWS C) DWS Capital Growth VIP - Class A DWS Core Equity VIP - Class A DWS CROCI International VIP - Class A DWS Global Income Builder VIP - Class A DWS Global Small Cap VIP - Class A DWS Government Money Market VIP - Class A DWS Small Mid Cap Growth VIP - Class A GROUP AND INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICIES (MULTI MANAGER III) Waiver of Monthly Deductions Rider Digital Estate Planning Rider Bereavement Services Rider Grief Counseling Services Rider Funeral Services Rider Contrafund Portfolio - Initial Class Equity-Income Portfolio - Initial Class Freedom 2010 Portfolio - Initial Class Freedom 2020 Portfolio - Initial Class Freedom 2030 Portfolio - Initial Class Freedom 2040 Portfolio - Initial Class Freedom 2050 Portfolio - Initial Class Freedom 2060 Portfolio - Initial Class Government Money Market Portfolio - Initial Class Growth Portfolio - Initial Class High Income Portfolio - Initial Class Index 500 Portfolio - Initial Class Investment Grade Bond Portfolio - Initial Class Limited-Term Bond Portfolio MetLife Russell 2000 Index Portfolio - Class A Mid Cap Portfolio - Initial Class Mid-Cap Growth Portfolio Moderate Allocation Portfolio Overseas Portfolio - Initial Class Real Estate Portfolio - Initial Class Value Portfolio - Initial Class Group A Group B Group C Previously Offered 1 Digital Estate Planning Beneficiary and Bereavement Services Funeral Services Discount Disclosure Group And Individual Flexible Premium Variable Life Insurance Policies (Multi Manager C) Spouses Life Insurance Benefit All-Cap Opportunities Portfolio Putnam VT High Yield Fund - Class IA Putnam VT Income Fund - Class IA Putnam VT Large Cap Growth Fund - Class IA Putnam VT Large Cap Value Fund - Class IA Putnam VT Sustainable Leaders Fund - Class IA State Street Emerging Markets Enhanced Index Portfolio - Class A Childrens Term Insurance Benefit GROUP VARIABLE UNIVERSAL LIFE INSURANCE POLICIES AND CERTIFICATES (METFLEX GVUL C) Dependent Life Benefit Rider Accidental Death or Dismemberment Benefit PaidUp Certificate Benefit American Funds New World Fund - Class 1 American Funds US Government Securities Fund - Class 1 BlackRock Capital Appreciation Portfolio - Class A BlackRock Ultra-Short Term Bond Portfolio - Class A Brighthouse Wellington Large Cap Research Portfolio - Class A Invesco Global Equity Portfolio - Class A Loomis Sayles Growth Portfolio - Class A MetLife Aggregate Bond Index Portfolio - Class A MetLife Mid Cap Stock Index Portfolio - Class A MetLife MSCI EAFE Index Portfolio - Class A MetLife Stock Index Portfolio - Class A MFS Total Return Portfolio - Class A MFS Value Portfolio - Class A Western Asset Management Strategic Bond Opportunities Portfolio - Class A Waiver of Monthly Deductions During Total Disability Rider Certificate Lapse