Variable Investment Option Performance Update

Transcription

1 Variable Investment Option Performance Update MetLife Insurance Company USA The performance data quoted represents past performance and does not guarantee future results. Current performance may be lower or higher than the performance figures quoted. Performance current to the most recent month-end may be viewed at The investment return and principal value of an investment will fluctuate and an investor's shares, when redeemed, may be worth more or less than their original cost. Returns for Sub-Accounts that invest in s that were in existence prior to the Sub-Account inception date have been adjusted to reflect the charges and expenses of the Variable Annuity, as if the contract had existed during the stated period(s), including all -level expenses, the M&E risk and administrative expense charges of 1.75% and the annual Account Fee of $50. The product does not impose any withdrawal charges on withdrawals. These figures represent past performance and are not an indication of future performance. Non-Standardized Performance: Without surrender charges applied as of 12/31/2015 Inception Date Year-to- Date 1 Year 3 Year* 5 Year* Since Variable Funding Options One Month BlackRock Money Market - Class A 12/11/ % -1.76% -1.76% -1.76% -1.76% -0.51% Clarion Global Real Estate - Class A 07/03/ % -2.97% -2.97% 3.37% 4.98% 2.23% ClearBridge Variable Large Cap Value - Class I 02/17/ % -4.58% -4.58% 10.84% 9.95% 4.71% ClearBridge Variable Small Cap Growth - Class I 11/01/ % -6.06% -6.06% 11.53% 10.14% 6.90% Invesco Comstock - Class A 04/30/ % -7.39% -7.39% 9.93% 8.54% 4.00% Invesco Mid Cap Value - Class A 01/02/ % % % 7.50% 5.22% 3.53% Invesco V.I. Comstock Fund - Series I++ 01/02/ % -7.64% -7.64% 9.85% 8.47% 4.23% Invesco V.I. Government Securities Fund - Series I 04/07/ % -1.43% -1.43% -1.19% 0.60% 1.24% MFS Emerging Markets Equity - Class A 10/01/ % % % -9.93% -7.29% 0.96% Morgan Stanley Mid Cap Growth - Class A 10/18/ % -6.47% -6.47% 8.39% 4.67% 5.58% Oppenheimer Global Equity - Class A 01/02/ % 2.34% 2.34% 8.82% 6.76% 4.81% T. Rowe Price Large Cap Growth - Class A 07/03/ % 8.82% 8.82% 17.42% 10.76% 6.42% T. Rowe Price Large Cap Value - Class E 12/03/ % -5.19% -5.19% 10.51% 7.03% 3.92% UIF Growth - Class I 01/02/ % 10.26% 10.26% 18.78% 12.45% 7.99% Western Asset Management Strategic Bond Opportunities - Class B 02/17/ % -3.73% -3.73% -0.46% 2.23% 2.15% Western Asset Variable Global High Yield Bond - Class I 05/01/ % -7.50% -7.50% -2.12% 1.72% 3.14% - Return Not Available *Annualized for Investment Options/s in existence for more than one year. ++ Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing. Certain optional benefit riders have investment allocation restrictions. Not all investment portfolios are available for all products and/or optional benefit riders. Please see the product prospectus for more information. An investment in the BlackRock Money Market is not insured or guaranteed by the Federal Deposit Insurance Company or any other government agency. Although the seeks to preserve the value of your investment at $100 per share, it is possible to lose money by investing in the. Page 1 of 5

2 Current performance may be lower or higher than the performance quoted. This is past performance and is no guarantee of future results. The performance shown may reflect, for some periods, the management of previous subadvisers. Effective April 28, 2014, the T. Rowe Price Large Cap Value of the Met Investors Series Trust replaced ClearBridge Variable All Cap Value of the Legg Mason Partners Variable Equity Trust. Values before April 28, 2014 reflect the performance of the ClearBridge Variable All Cap Value. Effective April 28, 2014, the T. Rowe Price Large Cap Growth of the Metropolitan Series Fund replaced the Invesco V.I. American Franchise Fund of the AIM Variable Insurance Funds (Invesco Variable Insurance Funds). Values before April 28, 2014 reflect the performance of the Invesco V.I. American Franchise Fund. Effective April 29, 2013, the Oppenheimer Global Equity of the Metropolitan Series Fund merged into the Met/Templeton Growth of Met Investors Series Trust (MIST) and the Met/Templeton Growth was renamed the MIST Oppenheimer Global Equity. Values before April 29, 2013 reflect the performance of the Oppenheimer Global Equity of the Metropolitan Series Fund. Effective April 30, 2012, the Lord Abbett Mid Cap Value of the Metropolitan Series Fund merged into the Lord Abbett Mid Cap Value (currently known as Invesco Mid Cap Value ) of the Met Investors Series Trust. Values before April 30, 2012 reflect the performance of the Lord Abbett Mid Cap Value of the Metropolitan Series Fund. As of May 2, 2011, the following portfolio substitution took effect: Legg Mason Western Asset Variable Strategic Bond into Western Asset Management Strategic Bond Opportunities. Performance for the Western Asset Management Strategic Bond Opportunities consists of the performance of the Legg Mason Western Asset Variable Strategic Bond before and on April 29, 2011 and the Western Asset Management Strategic Bond Opportunities after April 29, As of May 2, 2011, the following portfolio merger took effect: Invesco Van Kampen V.I. Government Fund into Invesco V.I. Government Securities Fund. Performance for the Invesco V.I. Government Securities Fund consists of the performance of the Invesco Van Kampen V.I. Government Fund before and on April 29, 2011 and the Invesco V.I. Government Securities Fund after April 29, As of May 2, 2011, the following portfolio merger took effect: Invesco Van Kampen V. I. Value Fund into Invesco Van Kampen V.I. Comstock Fund. Performance for the Invesco Van Kampen V.I. Comstock Fund consists of the performance of the Invesco Van Kampen V. I. Value Fund before and on April 29, 2011 and the Invesco Van Kampen V.I. Comstock Fund after April 29, On May 1, 2009, the following investment portfolio substitution was made: Van Kampen Life Investment Trust Comstock into Van Kampen Comstock. Performance for the Van Kampen Comstock consists of the performance for Van Kampen Life Investment Trust Comstock before and on May 1, 2009 and the Van Kampen Comstock after May 1, Effective on April 28, 2008, the following investment portfolio substitution was made: Van Kampen UIF Mid Cap Growth into Van Kampen Mid Cap Growth (now known as Morgan Stanley Mid Cap Growth ). Effective on April 30, 2007, the following investment portfolio substitutions were made: Van Kampen UIF Emerging Markets Equity into MFS Emerging Markets Equity ; Van Kampen UIF Global Value Equity into Oppenheimer Global Equity Class A; Van Kampen UIF U.S. Mid Cap Value into Neuberger Berman Mid Cap Value. Effective on April 30, 2007, the following investment portfolio merged: Legg Mason Partners Variable All Cap merged into Legg Mason Partners Variable Fundamental Value. Performance shown for Legg Mason Partners Variable Fundamental Value consists of performance for the Legg Mason Partners Variable All Cap prior to and on April 27, 2007 and Legg Mason Partners Variable Fundamental Value after April 27, Performance shown for MFS Emerging Markets Equity consists of performance for the Van Kampen UIF Emerging Markets Equity prior to and on April 27, 2007 and MFS Emerging Markets Equity after April 27, Performance shown for Oppenheimer Global Equity consists of performance for the Van Kampen UIF Global Value Equity prior to and on April 27, 2007 and Oppenheimer Global Equity after April 27, Performance shown for Neuberger Berman Mid Cap Value consists of performance for the Van Kampen UIF U.S. Mid Cap Value prior to and on April 27, 2007 and Neuberger Berman Mid Cap Value after April 27, Effective on May 1, 2006, the following investment portfolio substitution was made: Van Kampen LIT Money Market Class I into BlackRock Money Market - Class A. Page 2 of 5

3 Effective on November 13, 2006, the following investment portfolio substitution was made: Van Kampen UIF U.S. Real Estate Securities into Neuberger Berman Real Estate (now known as Clarion Global Real Estate ) Class A. Investment Performance Is Not Guaranteed. Prospectuses for the investment portfolios are available from your financial professional or at The contract prospectus contains information about the contract s features, risks, charges and expenses. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. Variable annuities are long-term investments designed for retirement purposes. Variable annuities have limitations, exclusions, charges, termination provisions and terms for keeping it in force. There is no guarantee that any of the variable investment options in this product will meet its stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. All product guarantees, including optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. Please contact your financial professional for complete details. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% Federal income tax penalty. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution Tax on Net Investment Income if your modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the living and death benefits and account value. Withdrawals may be subject to withdrawal charges. variable annuities are issued by MetLife Insurance Company USA Policy Form Number TL and TL and are distributed by MetLife Investors Distribution Company (member FINRA). MetLife Insurance Company USA Charlotte, NC L [exp1216][All States] Page 3 of 5

4 The performance data quoted represents past performance and does not guarantee future results. Performance current to the most recent month-end may be viewed at The investment return and principal value of an investment will fluctuate and an investor's shares, when redeemed, may be worth more or less than their original cost. Each Investment Option consists of a sub-account of the separate account supporting the contract (a "Sub-Account") that invests solely in shares of a fund portfolio (a ""). Standardized Performance for an Investment Option, as defined by the SEC, is the Average Annual Total Return for periods commencing no earlier than the Sub-Account inception date and terminating at the end of the most recent calendar quarter. Average Annual Total Returns shown that include periods prior to the Sub-Account inception date are Non-Standardized Performance. Charges for Standardized Performance include all -level expenses, the M&E risk and administrative expense charges of 1.75%, the contract administrative charge $50, and the surrender charge of 0%. Past performance does not guarantee future results. Average Annual Total Return as of 12/31/2015 Assuming Contract Surrender Standardized as of 12/31/2015 Assuming Contract Surrender Variable Funding Options Inception Date 1 Year 5 Years* Since Sub-Account Inception Date 1 Year 5 Years* BlackRock Money Market - Class A 12/11/ % -1.76% -0.51% 12/18/ % -1.76% -0.51% Clarion Global Real Estate - Class A 07/03/ % 4.98% 2.23% 07/01/ % 4.98% 2.23% ClearBridge Variable Large Cap Value - Class I 02/17/ % 9.95% 4.71% 05/01/ % 9.95% 4.71% ClearBridge Variable Small Cap Growth - Class I 11/01/ % 10.14% 6.90% 05/01/ % 10.14% 6.90% Invesco Comstock - Class A 04/30/ % 8.54% 4.00% 07/12/ % 8.54% 4.00% Invesco Mid Cap Value - Class A 01/02/ % 5.22% 3.53% 07/01/ % 5.22% 3.53% Invesco V.I. Comstock Fund - Series I++ 01/02/ % 8.47% 4.23% 06/28/ % 8.47% 4.23% Invesco V.I. Government Securities Fund - Series I 04/07/ % 0.60% 1.24% 07/06/ % 0.60% 1.24% MFS Emerging Markets Equity - Class A 10/01/ % -7.29% 0.96% 07/01/ % -7.29% 0.96% Morgan Stanley Mid Cap Growth - Class A 10/18/ % 4.67% 5.58% 05/01/ % 4.67% 5.58% Oppenheimer Global Equity - Class A 01/02/ % 6.76% 4.81% 07/01/ % 6.76% 4.81% T. Rowe Price Large Cap Growth - Class A 07/03/ % 10.76% 6.42% 07/15/ % 10.76% 6.42% T. Rowe Price Large Cap Value - Class E 12/03/ % 7.03% 3.92% 05/22/ % 7.03% 3.92% UIF Growth - Class I 01/02/ % 12.45% 7.99% 05/01/ % 12.45% 7.99% Western Asset Management Strategic Bond Opportunities - Class B 02/17/ % 2.23% 2.15% 07/01/ % 2.23% 2.15% Western Asset Variable Global High Yield Bond - Class I 05/01/ % 1.72% 3.14% 07/01/ % 1.72% 3.14% - Return Not Available *Annualized for Investment Options/s in existence for more than one year. ++ Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing. **Current yield for the seven-day period ending 12/31/2015 is -1.69% and for the seven-day period ending 12/31/2015 is -1.69% Current performance may be lower or higher than the performance quoted. This is past performance and is no guarantee of future results. The performance shown may reflect for some periods, the management of previous subdvisers Since Sub- Account An investment in the BlackRock Money Market is not insured or guaranteed by the Federal Deposit Insurance Company or any other government agency. Although the seeks to preserve the value of your investment at $100 per share, it is possible to lose money by investing in the. Page 4 of 5

5 Prospectuses for the investment portfolios are available from your financial professional or at The contract prospectus contains information about the contract s features, risks, charges and expenses. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. Variable annuities are long-term investments designed for retirement purposes. Variable annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in this product will meet its stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. All product guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company. Please contact your financial professional for complete details. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59½, may be subject to a 10% Federal income tax penalty. Distributions of taxable amounts from a non-qualified annuity may also be subject to the 3.8% Unearned Income Medicare Contribution Tax on Net Investment Income if your modified adjusted gross income exceeds the applicable threshold amount. Withdrawals will reduce the living and death benefits and account value. Withdrawals may be subject to withdrawal charges. variable annuities are issued by MetLife Insurance Company USA Policy Form Number TL and TL and are distributed by MetLife Investors Distribution Company (member FINRA). MetLife Insurance Company USA Charlotte, NC L [exp1216][All States] Page 5 of 5