Group Variable Universal Life Insurance Policies And Certificates (Metflex GVUL D) Waiver of Monthly Deductions Rider Dependent Life Benefit Rider - Child Spouses Life Insurance Benefit Accelerated Benefits Rider Accidental Death Benefit PaidUp Certificate Benefit Will Preparation Service Estate Resolution Services Digital Estate Planning Rider Bereavement Services Rider Grief Counseling Services Rider Funeral Services Rider Dollar Cost Averaging Automatic Investment Strategy Annual Automatic Portfolio Rebalancing 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 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 Invesco Global Equity Portfolio - Class A Limited-Term Bond Portfolio 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 Russell 2000 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 Group A Group B Group C Spouse Term Insurance Benefit Accidental Death or Dismemberment Benefit Option 1 Death Benefit Option 2 Death Benefit Waiver of Monthly Deductions During Total Disability Rider Digital Estate Planning Beneficiary and Bereavement Services Funeral Services Discount Disclosure Dollar Cost Averaging Investment Risk Risk of An Increase In Current Fees and Expenses Certificate Lapse 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 (MULTI MANAGER II) Accelerated Death Benefit Settlement Option Rider Asset Manager 50 Portfolio - Initial Class Asset Manager 70 Portfolio - Initial Class Equity Income Portfolio Equity-Income 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 MFS Global Equity Series - Initial Class MFS Growth Series - Initial Class Mid-Cap Growth Portfolio Moderate Allocation Portfolio Putnam VT International Equity Fund - Class IA Real Estate Portfolio - Initial Class Policies issued under Group Contracts Policies treated as individual contracts under the Omnibus Budget Reconciliation Act of 1990 Policy Lapse Group and Individual Flexible Premium Variable Life Insurance Policies (Multi Manager D) Childrens Life Insurance Rider Spouse Life Insurance Rider All-Cap Opportunities Portfolio Contrafund Portfolio - Initial Class DWS CROCI International VIP - Class A DWS Government Money Market VIP - Class A Freedom 2010 Portfolio - Initial Class Mid Cap Portfolio - Initial Class 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 Previously Offered 1 Childrens Term Insurance Benefit Risks Associated with Investment Options Group Variable Universal Life Insurance Policies And Certificates (Metflex GVUL D II) Spouse Certificate MFS Total Return Bond Series - Initial Class MFS US Government Money Market Portfolio - Initial Class Dependent Life Benefit Children's Term Insurance Benefit Dependent Life Benefit Spouse Term Insurance Benefit