www.metlife.com Open in urlscan Pro
2600:9000:2646:9e00:1f:f4ef:96c0:93a1  Public Scan

Submitted URL: https://www.metlife.com/about/terms-and-conditions/index.html
Effective URL: https://www.metlife.com/about-us/terms-and-conditions/
Submission: On August 18 via api from US — Scanned from DE

Form analysis 2 forms found in the DOM

Name: formLoginPOST https://online.metlife.com/edge/web/public/identifyUser

<form id="formLogin" class="container" name="formLogin" action="https://online.metlife.com/edge/web/public/identifyUser" method="POST" data-produrl="https://online.metlife.com/edge/web/public/identifyUser"
  data-produrlpersonalaccount="https://access.online.metlife.com/auth/post-auth" data-qaurl="https://qa4.phoenix.ead.metlife.com/edge/web/public/identifyUser" data-qaurlpersonalaccount="https://access.online.metlife.com/auth/post-auth"
  data-env="prod">
  <div class="row login-container-header">
    <div class="col-6 login-container-header--left">
      <a href="/" target="_self">
                    <img src="/content/dam/metlifecom/global/icons-header/MetLife_white.svg" alt="MetLife" class="global-header__logo">
                </a>
    </div>
    <div class="col-6 login-container-header--right">
      <button class="login-container--close" type="button" aria-label="Close">
        <svg class="icon" aria-hidden="true" tabindex="-1" focusable="false">
          <use xlink:href="#icon-close" aria-hidden="true" tabindex="-1" focusable="false"></use>
        </svg>
      </button>
    </div>
  </div>
  <div class="row col-12 col-sm-8 offset-sm-2 col-md-11 offset-md-1 login-container-content">
    <div class="login-container-content--top col-md-5">
      <div class="login-popout__title">Log in to MetLife</div>
      <div class="login-popout">
        <div class="form-item login-type-options">
          <div class="form-item__field form-icon-wrapper login-select-parent">
            <svg class="icon icon-chevron-down" aria-hidden="true" focusable="false" tabindex="-1">
              <use xlink:href="#icon-chevron-down" aria-hidden="true" focusable="false" tabindex="-1"></use>
            </svg>
            <label class="sr-only" for="login-select-tooltip">Select Login Type</label>
            <select class="login-type" id="login-select-tooltip" aria-required="true">
              <option value="for_individuals">Personal Account</option>
              <option value="for_businesses">Business Account</option>
              <option value="for_brokers">Broker Account</option>
            </select>
            <svg class="icon login-help-question-mark login-help-position-select" tabindex="0" role="button" aria-label="Personal Account tooltip">
              <use xlink:href="#icon-question-mark" aria-hidden="true" tabindex="-1" focusable="false"></use>
            </svg>
            <div class="guide-field-description for_individuals" id="guide-individuals" role="alert" style="display: none;">
              <span class="login-popout-msg__copy">Whether you purchased your policy on your own or obtained it through your employer, log in to your personal account.</span>
              <span class="login-popout-msg__copy">Benefits Through Your Employer (MyBenefits)</span>
            </div>
            <div class="guide-field-description for_businesses" id="guide_business" role="alert" style="display: none;">
              <span class="login-popout-msg__copy">MetLink - Access your company's benefits data</span>
              <span class="login-popout-msg__copy">MyBenefits - Benefits Through Your Employer</span>
              <span class="login-popout-msg__copy">SBR - Manage executive benefits</span>
            </div>
            <div class="guide-field-description for_brokers" id="guide_brokers" role="alert" style="display: none;">
              <span class="login-popout-msg__copy">MetLife's Online Service - Life, Annuities, Disability, Long-Term Care, Critical Illness, Auto, Home, Total Control Account (eSERVICE)</span>
              <span class="login-popout-msg__copy">Benefits Through Your Employer (MyBenefits)</span>
            </div>
          </div>
        </div>
        <div class="form-item login-type-biz-account" style="display: none;">
          <div class="form-item__field form-icon-wrapper">
            <svg class="icon icon-chevron-down" aria-hidden="true" focusable="false" tabindex="-1">
              <use xlink:href="#icon-chevron-down" aria-hidden="true" focusable="false" tabindex="-1"></use>
            </svg>
            <label class="sr-only" for="biz-account-type">Business Account Type</label>
            <select class="login-type" id="biz-account-type" aria-required="true">
              <option value="0">Select an option</option>
              <option value="metlink">MetLink</option>
              <option value="sbr">SBR</option>
            </select>
            <svg class="icon login-help-question-mark login-help-position-select" tabindex="0" role="button" aria-label="Select an option tooltip">
              <use xlink:href="#icon-question-mark"></use>
            </svg>
            <div class="guide-field-description accType" id="businessAccountTypeTooltip" role="alert" style="display: none;"> Please select a business account type </div>
            <div class="guide-field-description metlink" id="biz_guide_metlink" role="alert" style="display: none;">
              <span class="login-popout-msg__copy">Access the MetLink section of the website</span>
            </div>
            <div class="guide-field-description metlife-group-insurance" id="biz_guide_group" role="alert" style="display: none;">
              <span class="login-popout-msg__copy">Access the DigitalSolution section of the website</span>
            </div>
            <div class="guide-field-description mybenefits" id="biz_guide_mybenefits" role="alert" style="display: none;">
              <span class="login-popout-msg__copy">Access the MyBenefits section of the website</span>
            </div>
            <div class="guide-field-description sbr" id="biz_guide_sbr" role="alert" style="display: none;">
              <span class="login-popout-msg__copy">Access the Specialized Benefit Resources (SBR) section of the website</span>
            </div>
          </div>
        </div>
        <div class="form-item login-type-biz-purpose" style="display: none;">
          <div class="form-item__field form-icon-wrapper">
            <svg class="icon icon-chevron-down" aria-hidden="true" focusable="false" tabindex="-1">
              <use xlink:href="#icon-chevron-down" aria-hidden="true" focusable="false" tabindex="-1"></use>
            </svg>
            <label class="hidden" for="biz-account-purpose">Business Account Purpose</label>
            <select class="login-type" id="biz-account-purpose">
              <option>Select an option</option>
              <option value="my-benefits-home">My Benefits Home</option>
              <option value="for_businesses">Check your group disability claim</option>
              <option value="check-your-group-disability-claim">Check Your Group Disability</option>
              <option value="check-your-dental-claim-plan">Check Your Dental Claim</option>
              <option value="check-your-retirement-income">Check Your Retirement Income</option>
              <option value="retirement-education">Retirement Education</option>
            </select>
            <svg class="icon login-help-question-mark login-help-position-select" tabindex="0" role="button" aria-label="Select an option tooltip">
              <use xlink:href="#icon-question-mark"></use>
            </svg>
            <div class="guide-field-description" id="businessAccountPurposeTooltip" style="display: none;"> Please select a business account type </div>
          </div>
        </div>
        <div class="form-item login-type-broker-account" style="display: none;">
          <div class="form-item__field form-icon-wrapper">
            <svg class="icon icon-chevron-down" aria-hidden="true" focusable="false" tabindex="-1">
              <use xlink:href="#icon-chevron-down" aria-hidden="true" focusable="false" tabindex="-1"></use>
            </svg>
            <label class="sr-only" for="broker-account-type">Broker Account Type</label>
            <select class="login-type" id="broker-account-type" aria-required="true">
              <option value="0">Select an option</option>
              <option value="metlink">MetLink</option>
            </select>
            <svg class="icon login-help-question-mark login-help-position-select" tabindex="0" role="button" aria-label="Select an option tooltip">
              <use xlink:href="#icon-question-mark"></use>
            </svg>
            <div class="guide-field-description" id="brokerAccountTypeTooltip" role="alert" style="display: none;"> Please select a broker account type </div>
            <div class="guide-field-description metlink" id="broker_guide_metlink" role="alert" style="display: none;">
              <span class="login-popout-msg__copy">Access the MetLink section of the website</span>
            </div>
            <div class="guide-field-description metlife-group-insurance" id="broker_guide_group" role="alert" style="display: none;">
              <span class="login-popout-msg__copy">Access the DigitalSolution section of the website</span>
            </div>
          </div>
        </div>
        <div class="form-item login-type-username hidden" style="display: none;">
          <div class="form-item__field">
            <input id="loginUsername" name="username" type="text" data-required="true" aria-required="true" autocomplete="off">
            <label id="labelUsername">Username</label>
            <svg class="icon login-help-question-mark" tabindex="0" role="button" aria-label="undefined tooltip">
              <use xlink:href="#icon-question-mark" tabindex="-1" aria-hidden="true" focusable="false"></use>
            </svg>
            <div class="guide-field-description" id="loginUsernameTooltip" role="alert" style="display: none;"> To log in, please enter your username </div>
          </div>
        </div>
        <div class="form-item login-type-password hidden" style="display: none;">
          <div class="form-item__field">
            <input id="loginPassword" aria-label="Password" name="password" type="password" data-required="true" aria-required="true" autocomplete="off">
            <label id="labelPassword">Password</label>
            <svg class="icon login-help-question-mark" tabindex="0" role="button" aria-label="undefined tooltip">
              <use xlink:href="#icon-question-mark" tabindex="-1" aria-hidden="true" focusable="false"></use>
            </svg>
            <div class="guide-field-description" id="loginPasswordTooltip" role="alert" style="display: none;"> To log in, please enter your password </div>
          </div>
        </div>
      </div>
      <div class="login-popout">
        <a href="https://online.metlife.com/public/forgotCredentials/home" class="login-popout__action textLink-white" data-popout-msg="for_individuals" target="_blank" style="display: none;">Forgot username or password?</a>
        <a href="https://online.metlife.com/public/forgotCredentials/home" class="login-popout__action textLink-white" data-popout-msg="for_businesses" target="_blank">Forgot username or password?</a>
        <a href="https://metbroker.metlife.com/MetBrokerWeb/public/passwordHelpDisplayEnterUsername.do?ehrd=hasError" class="login-popout__action textLink-white" data-popout-msg="for_brokers" target="_blank">Forgot your password?</a>
      </div>
      <div class="login-popout login-submit">
        <input type="submit" class="brand-button js-submitLogin" value="Login">
      </div>
      <div class="login-popout" data-popout-msg="for_individuals">
        <a class="login-popout__action textLink-white" href="https://online.metlife.com/public/registration/index?target=register" target="_blank">First-time user? Register Now</a>
      </div>
      <div class="login-popout" data-popout-msg="for_businesses">
        <a class="login-popout__action textLink-white" href="https://online.metlife.com/public/registration/index?target=register" target="_blank">Need an account? Register</a>
      </div>
      <div class="login-popout" data-popout-msg="for_brokers">
        <div data-popout-msg="metlife-group-insurance" class="register_link">
          <a class="login-popout__action textLink-white" href="https://online.metlife.com/public/registration/index?target=register" target="_blank">First-time user? Register Now</a>
        </div>
        <a class="login-popout__action textLink-white" href="https://www.metlife.com/disclaimers/metbroker/legal/terms.html" target="_blank">By signing in, I agree to the Terms of Use</a>
      </div>
      <div class="login-popout go-to-benefits" data-popout-msg="for_benefits">
        <a class="login-popout__action textLink-white" href="https://int.phoenix.ead.metlife.com/edge/web/public/benefits" target="_blank">Go to MyBenefits without signing in</a>
      </div>
    </div>
    <div class="login-container-content--bottom col-md-6">
      <div class="login-container-alert">
        <div>
          <div class="alert--title">
            <p>At MetLife, protecting your information is a top priority.</p>
          </div>
          <div class="alert--content">
            <p>You may have seen recent news coverage of customers of financial services companies falling victim to social engineering scams. Scammers impersonate a trusted company to convince their targets into revealing or handing over sensitive
              information such as insurance, banking or login credentials. This scamming can happen via text, email or websites set up to look like the trusted company.</p>
          </div>
          <div class="alert--cta">
            <a class="textLink-white" href="https://www.metlife.com/scam-alert" target="_self" aria-label="Read On about protecting client information by clicking here">
                                        <span>Read On</span>
                                        <svg class="icon icon-chevron-right" aria-hidden="true" tabindex="-1" focusable="false">
                                            <use xlink:href="#icon-chevron-right-textlink" aria-hidden="true" tabindex="-1" focusable="false"></use>
                                        </svg>
                                    </a>
          </div>
        </div>
      </div>
    </div>
  </div>
  <input class="loginFooterCollapse" type="hidden">
  <input class="loginFooterExpand" type="hidden">
  <div>
    <div class="login-types bg-white" style="top: 1130px;">
      <div class="login-type-trigger col-sm-8 offset-sm-2 col-md-12 offset-md-0">
        <a href="#" class="login-type-trigger__title textLink-blue" role="button" aria-label="Show other account types">
                <span class="show-text" aria-hidden="true">Show other account types</span>
                <span class="hide-text d-none" aria-hidden="true">Hide other account types</span>
                <svg class="icon icon-plus" aria-hidden="true" tabindex="-1" focusable="false">
                    <use xlink:href="#icon-plus" aria-hidden="true" tabindex="-1" focusable="false"></use>
                </svg>
                <svg class="icon icon-minus" aria-hidden="true" tabindex="-1" focusable="false">
                    <use xlink:href="#icon-minus" aria-hidden="true" tabindex="-1" focusable="false"></use>
                </svg>            
        </a>
      </div>
      <div class="row login-type__details" role="region" aria-label="other account types">
        <div>
          <div class="col-xs-12 col-sm-4">
            <div>
              <div>
                <div>
                  <div class="login-type__detail" aria-label="FOR BUSINESSES" aria-haspopup="true">
                    <p class="login-type__title" role="none">FOR BUSINESSES</p>
                    <svg class="icon icon-chevron-right" aria-hidden="true" tabindex="-1" focusable="false">
                      <use xlink:href="#icon-chevron-right" aria-hidden="true" tabindex="-1" focusable="false"></use>
                    </svg>
                    <svg class="icon icon-chevron-down" aria-hidden="true" tabindex="-1" focusable="false">
                      <use xlink:href="#icon-chevron-down" aria-hidden="true" tabindex="-1" focusable="false"></use>
                    </svg>
                    <ul>
                      <div>
                        <div>
                          <li class="login-type__link" role="none">
                            <a href="https://portal.metlink.com/" target="_blank">MetLink</a>
                          </li>
                        </div>
                        <div>
                          <li class="login-type__link" role="none">
                            <a href="https://mybenefits.metlife.com/" target="_blank">MyBenefits</a>
                          </li>
                        </div>
                        <div>
                          <li class="login-type__link" role="none">
                            <a href="https://sbr.metlife.com/metlife/sbr/CommonPagesAction?pageId=106" target="_blank">SBR</a>
                          </li>
                        </div>
                        <div>
                          <li class="login-type__link" role="none">
                            <a href="https://ebenefits.metlifeexpat.com/siteminderagent/forms/login.fcc" target="_blank">Worldwide Benefits eBenefits</a>
                          </li>
                        </div>
                      </div>
                    </ul>
                  </div>
                </div>
                <div>
                  <div class="login-type__detail" aria-label="FOR METLIFE RETIREES" aria-haspopup="true">
                    <p class="login-type__title" role="none">FOR METLIFE RETIREES</p>
                    <svg class="icon icon-chevron-right" aria-hidden="true" tabindex="-1" focusable="false">
                      <use xlink:href="#icon-chevron-right" aria-hidden="true" tabindex="-1" focusable="false"></use>
                    </svg>
                    <svg class="icon icon-chevron-down" aria-hidden="true" tabindex="-1" focusable="false">
                      <use xlink:href="#icon-chevron-down" aria-hidden="true" tabindex="-1" focusable="false"></use>
                    </svg>
                    <ul>
                      <div>
                        <div>
                          <li class="login-type__link" role="none">
                            <a href="https://www.metlife.com/support-and-manage/former-employees-and-retirees/" target="_self">Retirement Plan Access</a>
                          </li>
                        </div>
                      </div>
                    </ul>
                  </div>
                </div>
                <div>
                  <div class="login-type__detail" aria-label="FOR INVESTORS" aria-haspopup="true">
                    <p class="login-type__title" role="none">FOR INVESTORS</p>
                    <svg class="icon icon-chevron-right" aria-hidden="true" tabindex="-1" focusable="false">
                      <use xlink:href="#icon-chevron-right" aria-hidden="true" tabindex="-1" focusable="false"></use>
                    </svg>
                    <svg class="icon icon-chevron-down" aria-hidden="true" tabindex="-1" focusable="false">
                      <use xlink:href="#icon-chevron-down" aria-hidden="true" tabindex="-1" focusable="false"></use>
                    </svg>
                    <ul>
                      <div>
                        <div>
                          <li class="login-type__link" role="none">
                            <a href="https://risc.cview.metlife.com/siteminderagent/forms/logincamsi.fcc?TYPE=33554433&amp;REALMOID=06-d4931f16-42a3-1004-9246-83e0944b304d&amp;GUID=&amp;SMAUTHREASON=0&amp;METHOD=GET&amp;SMAGENTNAME=$SM$jp1vSs3mNVoM0y%2fRh2LS1F5gjA8v6ked5CAUfNo8TN9Fg%2bmYEKs6qs0eV4%2b%2bWsdkjVPr591ZFRSuUo0QD8miEEhDSbA9GT4Y&amp;TARGET=$SM$https%3a%2f%2frisc%2ecview%2emetlife%2ecom%2f" target="_blank">MetLife Securities Client View</a>
                          </li>
                        </div>
                        <div>
                          <li class="login-type__link" role="none">
                            <a href="https://www.netxinvestor.com/web/netxinvestor/login" target="_blank">NetXInvestor</a>
                          </li>
                        </div>
                      </div>
                    </ul>
                  </div>
                </div>
                <div>
                  <div class="login-type__detail" aria-label="FOR PROVIDERS" aria-haspopup="true">
                    <p class="login-type__title" role="none">FOR PROVIDERS</p>
                    <svg class="icon icon-chevron-right" aria-hidden="true" tabindex="-1" focusable="false">
                      <use xlink:href="#icon-chevron-right" aria-hidden="true" tabindex="-1" focusable="false"></use>
                    </svg>
                    <svg class="icon icon-chevron-down" aria-hidden="true" tabindex="-1" focusable="false">
                      <use xlink:href="#icon-chevron-down" aria-hidden="true" tabindex="-1" focusable="false"></use>
                    </svg>
                    <ul>
                      <div>
                        <div>
                          <li class="login-type__link" role="none">
                            <a href="https://www.metdental.com/prov/execute/home" target="_blank">Dental Professionals Account</a>
                          </li>
                        </div>
                      </div>
                    </ul>
                  </div>
                </div>
              </div>
            </div>
          </div>
          <div class="col-xs-12 col-sm-4">
            <div>
              <div>
                <div>
                  <div class="login-type__detail" aria-label="FOR RETIREMENT PLAN PARTICIPANTS" aria-haspopup="true">
                    <p class="login-type__title" role="none">FOR RETIREMENT PLAN PARTICIPANTS</p>
                    <svg class="icon icon-chevron-right">
                      <use xlink:href="#icon-chevron-right"></use>
                    </svg>
                    <svg class="icon icon-chevron-down">
                      <use xlink:href="#icon-chevron-down"></use>
                    </svg>
                    <ul>
                      <div>
                        <div>
                          <li class="login-type__link">
                            <a href="https://metlife.retirementpartner.com/participant/#/login?accu=MetLifeEE" target="_blank">mlr.metlife.com</a>
                          </li>
                        </div>
                        <div>
                          <li class="login-type__link">
                            <a href="https://online.metlife.com/" target="_blank">online.metlife.com (MyAccounts)</a>
                          </li>
                        </div>
                      </div>
                    </ul>
                  </div>
                </div>
                <div>
                  <div class="login-type__detail" aria-label="FOR EMPLOYERS" aria-haspopup="true">
                    <p class="login-type__title" role="none">FOR EMPLOYERS</p>
                    <svg class="icon icon-chevron-right">
                      <use xlink:href="#icon-chevron-right"></use>
                    </svg>
                    <svg class="icon icon-chevron-down">
                      <use xlink:href="#icon-chevron-down"></use>
                    </svg>
                    <ul>
                      <div>
                        <div>
                          <li class="login-type__link">
                            <a href="https://portal.metlink.com/MetLinkPortal/jsp/index.jsp" target="_blank">Group Benefits Administration</a>
                          </li>
                        </div>
                        <div>
                          <li class="login-type__link">
                            <a href="https://psc.metlife.com/" target="_blank">Plan Service Center (PSC)</a>
                          </li>
                        </div>
                        <div>
                          <li class="login-type__link">
                            <a href="https://online.metlife.com/" target="_blank">MetOnline</a>
                          </li>
                        </div>
                        <div>
                          <li class="login-type__link">
                            <a href="https://ebenefits.metlifeexpat.com/siteminderagent/forms/login.fcc" target="_blank">Worldwide Benefits eBenefits</a>
                          </li>
                        </div>
                      </div>
                    </ul>
                  </div>
                </div>
                <div>
                  <div class="login-type__detail" aria-label="FOR BROKERS &amp; CONSULTANTS" aria-haspopup="true">
                    <p class="login-type__title" role="none">FOR BROKERS &amp; CONSULTANTS</p>
                    <svg class="icon icon-chevron-right">
                      <use xlink:href="#icon-chevron-right"></use>
                    </svg>
                    <svg class="icon icon-chevron-down">
                      <use xlink:href="#icon-chevron-down"></use>
                    </svg>
                    <ul>
                      <div>
                        <div>
                          <li class="login-type__link">
                            <a href="https://metbroker.metlife.com/" target="_blank">MetBroker</a>
                          </li>
                        </div>
                        <div>
                          <li class="login-type__link">
                            <a href="https://online.metlife.com/" target="_blank">MetOnline</a>
                          </li>
                        </div>
                        <div>
                          <li class="login-type__link">
                            <a href="https://portal.metlink.com/MetLinkPortal/jsp/index.jsp" target="_blank">Structured Settlements Broker Resources (SBR)</a>
                          </li>
                        </div>
                        <div>
                          <li class="login-type__link">
                            <a href="https://ebenefits.metlifeexpat.com/siteminderagent/forms/login.fcc" target="_blank">Worldwide Benefits eBenefits</a>
                          </li>
                        </div>
                      </div>
                    </ul>
                  </div>
                </div>
              </div>
            </div>
          </div>
          <div class="col-xs-12 col-sm-4">
            <div>
              <div>
                <div>
                  <div class="login-type__detail" aria-label="FOR METLIFE SECURITIES INC. REPRESENTATIVES" aria-haspopup="true">
                    <p class="login-type__title" role="none">FOR METLIFE SECURITIES INC. REPRESENTATIVES</p>
                    <svg class="icon icon-chevron-right">
                      <use xlink:href="#icon-chevron-right"></use>
                    </svg>
                    <svg class="icon icon-chevron-down">
                      <use xlink:href="#icon-chevron-down"></use>
                    </svg>
                    <ul>
                      <div>
                        <li class="login-type__link">
                          <a href="https://msi.metlife.com/wps/portal/public/signin?target=/ePPUserSyncServlet/ePPUserSyncServlet?params=/wps/myportal/rpp/home" target="_blank">Brokerage &amp; Securities Account</a>
                        </li>
                      </div>
                    </ul>
                  </div>
                </div>
              </div>
            </div>
          </div>
        </div>
        <span class="sr-only login_expand_collapse_announcement" aria-live="polite" aria-atomic="true"></span>
      </div>
      <div class="login-type__contact">
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LEGAL NOTICES



Terms and Conditions | Social Media | PCG Disclaimers | Metlife Responsible
Disclosure Policy

Please read the following terms and conditions carefully before using this web
site or any of our other web sites.
You should review these terms and conditions regularly as they may change at any
time at our sole discretion. The following terms and conditions apply to all of
our web sites, including any web sites owned, operated or sponsored by any of
our subsidiaries or affiliates but we may add to or supersede certain provisions
of these terms and conditions with other provisions located in other parts of
all of our web sites.

1. Liability

UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL,
INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF, OR
INABILITY TO USE, THIS WEB SITE. Some jurisdictions do not allow the exclusion
or limitation of liability for consequential or incidental damages. In such
jurisdictions, our liability is limited to the greatest extent permitted by law.

THIS WEB SITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND,
EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

2. We Do Not Have Responsibility for Links to Third-Party Content

LINKS TO THIRD-PARTY WEB SITES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION
ONLY. THE CONTENT IN ANY LINKED WEB SITES IS NOT UNDER OUR CONTROL AND WE ARE
NOT RESPONSIBLE FOR IT.

We reserve the right to terminate a link to a third-party web site at any time.
The fact that we provide a link to a third-party web site does not necessarily
mean that we endorse, authorize or sponsor that web site, nor that we are
affiliated with the third-party web site's owners or sponsors. If you wish to
link to any MetLife site, please contact our webmaster. If you are a MetLife
group customer and wish to link your web site to this site, please contact your
MetLife representatives for instructions.

3. Privacy/Treatment of Information or Data Transmitted to Us

Personal information transmitted to us will be treated in accordance with
our Privacy Policy.

4. Proprietary Rights & Restricted Use

This web site's content is copyrighted and protected by U.S. and worldwide
copyright laws and treaty provisions. In addition, this web site's content is
protected by trademark laws, the laws of privacy and publicity, and
communication regulations and statutes. You are not authorized to post on or
transmit to or from this web site any unlawful, threatening, libelous,
defamatory, obscene, scandalous, inflammatory, pornographic, or profane
material, or any other content that could give rise to any civil or criminal
liability under the law.

You may print a copy of the information contained herein for your personal use
only, but you may not reproduce or distribute the text or graphics to others or
substantially copy the information on your own server, or link to this web site,
without the prior written permission of MetLife. You may request permission by
sending a request by e-mail to cscontact@metlifeservice.com.

5. Making A Claim of Copyright Infringement

We respect the intellectual property of others.  If you believe your work has
been copied and is accessible on the Web Site in a way that infringes your
copyright, you may request removal of those materials from the Web Site by
submitting written notification to our DMCA agent designated below. For your
notice to be valid under the DMCA, it must include substantially the following: 

 * Your physical or electronic signature;
 * Identification of the copyrighted work you believe to have been infringed or,
   if the claim involves multiple works, a representative list of such works;
 * Identification of the material you believe to be infringing in a sufficiently
   precise manner to allow us to locate that material;
 * Adequate information by which we can contact you (including name, postal
   address, telephone number, and email address);
 * A statement that you have a good faith belief that use of the copyrighted
   material is not authorized by the copyright owner, its agent, or the law;
 * A statement that the information in the written notice is accurate; and
 * A statement, under penalty of perjury, that you are authorized to act on
   behalf of the copyright owner.

If you believe material you posted on the Web Site was removed by mistake or
misidentification, you may file a counter notification with us by submitting
written notification to our DMCA agent designated below. We will restore your
removed content if the party filing the original DMCA notice does not file a
court action against you within ten business days of receiving the copy of your
counter notice. For your counter notice to be valid under the DMCA, it must
include substantially the following:

 * Your physical or electronic signature;
 * An identification of the material that has been removed or to which access
   has been disabled and the location at which the material appeared before it
   was removed or access disabled;
 * Adequate information by which we can contact you (including your name, postal
   address, telephone number, and, if available, email address);
 * A statement under penalty of perjury by you that you have a good faith belief
   that the material identified above was removed or disabled as a result of a
   mistake or misidentification of the material to be removed or disabled; and
 * A statement that you will consent to the jurisdiction of the Federal District
   Court for the judicial district in which your address is located and that you
   will accept service from the person (or an agent of that person) who provided
   the Web Site with the complaint at issue.

Under the DMCA, if you knowingly, materially misrepresent that material or
activity on the Web Site is infringing your copyright or was removed or disabled
by mistake or misidentification, you may be held liable for damages, including
costs and attorneys' fees.

In accordance with the DMCA and other applicable law, it is our policy in
appropriate circumstances to disable and/or terminate the accounts of users who
are repeat infringers. We may also at our sole discretion limit access to the
services and/or terminate the accounts of any users who infringe any
intellectual property rights of others, whether or not there is any repeat
infringement.

Our designated copyright agent to receive DMCA notices and counter notices is:

MetLife Copyright Agent
c/o MetLife Law Dept.
200 Park Avenue 
New York, NY 10166

Phone: 1-855-351-6855
Email: hostmaster@metlife.com

Note that to make a claim of infringement, you will be required to make a
declaration, under penalty of perjury, that the information contained in your
claim is correct and that you are the Intellectual Property Rights owner or an
agent of the owner.  If the information you submit is not accurate or complete,
we may be unable to process or respond to your request. If you have questions
about what intellectual property infringement is, or whether your rights were
infringed, consider seeking legal advice.

6. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in
This Web Site

MetLife Services and Solutions, LLC is the copyright owner of all text contained
on this web site. METLIFE®, METLIFE ONLINE®, LIFE ADVICE®, have you met life
today?® and other trademarks and service marks of Metropolitan Life Insurance
Company, or its subsidiaries or affiliates that may be referred to on this web
site are the property of Metropolitan Life Insurance Company or one of its
subsidiaries or affiliates. Other parties' trademarks and service marks that may
be referred to are the property of their respective owners. Nothing on this web
site should be construed as granting, by implication, estoppel, or otherwise,
any license or right to use any trademark without our written permission. The
name of MetLife, Inc., Metropolitan Life Insurance Company, MetLife or our logo
may not be used in any way, including in advertising or publicity pertaining to
distribution of materials on this web site, without prior written permission.
You are not authorized to use our logo as a hyperlink to this web site unless
you obtain our written permission in advance.

7. We Are Not Providing Investment Advice Nor Soliciting Offers

Nothing in this web site constitutes investment advice, including our filings
with the U.S. Securities and Exchange Commissions (SEC). In addition, our
investor relations materials and our other web site content are not offers to
sell or solicitations of any offer to buy any security or any insurance product.
No security offered by MetLife, Inc., its subsidiaries or affiliates is offered
or will be sold in any jurisdiction in which such offer or solicitation,
purchase or sale would be unlawful under the securities law or other laws of
such jurisdiction. No such security is offered or will be sold in any
jurisdiction by an entity which is not properly licensed to do so in such
jurisdiction. In addition, any prospectus information available on this web site
is posted for informational purposes only.

When available, our annual reports, 10-K and 10-Q reports and other materials
will be accessible through this web site. Other materials we have filed with the
SEC may be obtained by accessing http://www.freeedgar.com, by accessing the
SEC's web site at http://www.sec.gov, by visiting the SEC at its Washington,
D.C. or various regional offices or by hiring a document retrieval service to
obtain the filings for you.

8. You Should Not Rely on the Stock Price Information on This Web Site

We do not generate the information regarding MetLife, Inc. stock prices for this
web site. We believe that the information on the Investor Relations home page is
accurate, but we cannot guarantee or warrant the accuracy, completeness, or
timeliness of the information. You should not rely on the stock price
information for investment purposes. We are not liable for any loss or damages,
whether direct, indirect, incidental, special, consequential, or exemplary, that
may arise from reliance on the stock price information on the Investor Relations
portion of this web site.

9. Investors Should Not Unduly Rely on Any Forward-Looking Information

This web site contains information that includes or is based upon
forward-looking statements within the meaning of the federal securities laws,
specifically the Private Securities Litigation Reform Act of 1995.
Forward-looking statements give our expectations or forecasts of future events.
You can identify these statements by the fact that they do not relate strictly
to historical or current facts. They typically use words such as "anticipate,"
"estimate," "expect," "project," "intend," "plan," "believe," and other similar
words. Any or all of the forward-looking statements here or in other
publications may turn out to be wrong.

Forward-looking statements can be affected by inaccurate assumptions or by known
or unknown risks and uncertainties. Many such factors will be important in
determining our actual future results. Consequently, there can be no assurance
that the results described in such forward-looking statement will be realized.
The risks and uncertainties that may cause actual results to differ materially
from those expressed in such forward-looking statements include, but not limited
to, the following: (i) changes in general economic conditions, including the
performance of financial markets and interest rates; (ii) heightened
competition, including with respect to pricing, entry of new competitors and the
development of new products by new and existing competitors; (iii) unanticipated
changes in industry trends; (iv) MetLife, Inc.'s primary reliance, as a holding
company, on dividends from its subsidiaries to meet debt payment obligations and
the applicable regulatory restrictions on the ability of the subsidiaries to pay
such dividends; (v) deterioration in the experience of the "closed block"
established in connection with the reorganization of Metropolitan Life Insurance
Company; (vi) catastrophe losses; (vii) adverse litigation or arbitration
results; (viii) regulatory, accounting or tax changes that may affect the cost
of, or demand for, the company's products or services; (ix) downgrades in the
company's and its affiliates' claims-paying ability, financial strength ratings
or debt ratings; (x) changes in rating agency policies or practices; (xi)
discrepancies between actual claims experience and assumptions used in setting
prices for the company's products and establishing the liabilities for the
company's obligations for future policy benefits and claims; (xii) discrepancies
between actual experience and assumptions used in establishing liabilities
related to other contingencies or obligations; (xiii) the effects of business
disruption or economic contraction due to terrorism or other hostilities; and
(xiv) other risks and uncertainties described from time to time in MetLife,
Inc.'s filings with the Securities and Exchange Commission, including its S-1
and S-3 registration statements. The company specifically disclaims any
obligation to update or revise any forward-looking statement, whether as a
result of new information, future developments or otherwise. 

Given these uncertainties, you should not place undue reliance on these
forward-looking statements. You should see our SEC filings for more information
on these and other factors that could cause our actual results to differ
materially from those indicated by such forward-looking statements.

10. All Products, Programs and Services May Not be Available in Your Area

This web site is controlled by us from our offices within the United States of
America. Except as specifically stated, we make no representation that content
or materials in this web site are appropriate or available for use in other
jurisdictions. Access to this web site content or materials from jurisdictions
where such access is illegal is prohibited. If you choose to access this web
site from other jurisdictions, you do so at your own risk. You are always
responsible for your compliance with applicable laws. You may not use or export
the materials in this web site in violation of U.S. export laws and
regulations. The laws of the State of New York will govern the content and
materials contained in this web site, without giving effect to any principles of
conflicts of laws.

MetLife and its affiliates and subsidiaries are not authorized to do business in
every jurisdiction. Information that MetLife publishes on this web site may
contain references or cross-references to products, programs or services of
MetLife, Inc., its subsidiaries or affiliates that are not available in your
state or country. The products referred to on this web site may be offered and
sold only to persons in the United States and its territories. Mutual funds are
offered by MetLife Securities, Inc. and variable life insurance products by
Metropolitan Life Insurance Company. Consult your local MetLife Financial
Services Representative for information regarding the products, programs and
services which may be available to you.

Metropolitan Life Insurance Company, NAIC Company Code Number 65978, is licensed
to do business in all fifty states, the District of Columbia, Puerto Rico, and
the Virgin Islands. Metropolitan Life Insurance Company is a domiciliary of, and
has its principal place of business in, the State of New York.

11. Civil Union Couples

MetLife provides identical benefits and protections to civil union couples as
married couples.

12. Retirement Plan Sponsors and Participants

The insurance company identified within the transactions as the issuer of the
policy/contract is providing confirmation of the transactions on behalf of the
variable product distributor, MetLife Investors Distribution Company, and your
retail broker dealer, who are acting as agents for the insurance company.

13. Sending emails to MetLife

When submitting requests, forms, and/or any supporting documentation via email,
you should be aware that once MetLife receives the email, the information
contained in that email will be protected by MetLife’s IT security controls, and
any email responses you receive from MetLife will be sent to you securely. Until
your email reaches MetLife, however, MetLife has no control over, and disclaims
all responsibility for, the security of the information you send when it is in
transit to us or stored with your email service provider.

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