Variable Annuity Rider Changes Effective for contracts based on by WillLawrence

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									Variable Annuity Rider Changes Effective for contracts based on applications and necessary
information received at the MetLife Annuity Service Center after the close of the New York Stock
Exchange on February 20, 2009 for Newly Issued Contracts Only.
Please refer to the Prospectus Supplement for full details.

Products: Series XTRATM, Class/Series XC, Class/Series VA, Class/Series L, Class/Series C
For all states except Nevada, New Jersey, New York and Oregon

   Guaranteed Minimum Income Benefit Plus (GMIB Plus) (2008) living benefit rider
      •  New annual fee is 1.00% of the Income Base*
      •  Standard GMIB Plus Annuity Table – reduced; now calculated based on the Annuity 2000
         Mortality Table with a 7-year age set back with interest of 1.50% per annum
      •  GMIB Plus No Lapse Guarantee Annuity Purchase Payout Rates – Minimum 5% of the
         Annual Increase Amount if no withdrawals are taken before the contract owner’s 60th birthday
         and Account Value is fully withdrawn or decreases to zero; Minimum 6% of the Annual
         Increase Amount if no withdrawals are taken before the contract owner’s 62nd birthday. The
         annuity option selected must be the single life with 10 years of annuity payments guaranteed

   MetLife Lifetime Withdrawal GuaranteeTM (LWG) (2008) living benefit rider*
      •   New annual fee is 1.25% of the Total Guaranteed Withdrawal Amount for the Single Life
          version and 1.50% for the Joint Life version
      •   The new maximum annual fee on step-up is 1.60% for the Single Life version and 1.80% for
          the Joint Life version

   Enhanced Death Benefit (EDB) rider
      •  For issue ages 70-75, the new annual fee is 0.90% of the Death Benefit Base, 0.85% if the
         EDB Rider is elected with the GMIB Plus (2008) rider*
      •  For issue ages younger than 70, there is no change to the fee

   Guaranteed Minimum Accumulation Benefit (GMAB) living benefit rider
      •  No longer available

For New York Only
       Guaranteed Minimum Income Benefit Plus (GMIB Plus) (2008) living benefit rider
       •  New annual fee is 0.95% of the Income Base*
       •  No change to Annuity Payout Factors

   MetLife Lifetime Withdrawal GuaranteeTM (LWG) (2008) living benefit rider*
      •   New annual fee is 1.25% of the Total Guaranteed Withdrawal Amount for the Single Life
          version and 1.50% for the Joint Life version
      •   The new maximum annual fee on step-up is 1.60% for the Single Life version and 1.80% for
          the Joint Life version

       Guaranteed Minimum Accumulation Benefit (GMAB) living benefit rider
       •  No longer available

For Oregon Only
       Guaranteed Minimum Accumulation Benefit (GMAB) living benefit rider
       •  No longer available

For Nevada and New Jersey Only
       •  All changes subject to state approval.

                      For Broker/Dealer Use Only. Not for Public Distribution.
*Upon a step-up or reset, the charge may increase to the charge applicable to current annuity
purchasers of the same rider up to a maximum of 1.50% for GMIB Plus, 1.60% for Single Life
version LWG, 1.80% for Joint Life version LWG and 1.50% for EDB.

The living and death benefit riders are optional and available for an additional annual charge.
These optional riders may not be available in all states or with all products. Please see the
product prospectus for further details.

Guarantees apply to certain insurance and annuity products (not securities, variable or
investment advisory products) and are subject to product terms, exclusions and limitations. All
guarantees are based on the claims-paying ability and financial strength of the issuing insurance
company.

Prospectuses for variable annuities issued by a MetLife Investors insurance company, and
for the investment portfolios offered thereunder, are available from MetLife Investors. 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. Clients should read the prospectuses and consider this information
carefully before investing. Product availability and features may vary by state. Please refer
to the contract prospectus for more complete details regarding the living benefits.

Variable annuities are long-term investments designed for retirement purposes. MetLife Investors
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 their 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 based on the claims-paying ability and financial
strength of the issuing insurance company.

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. Withdrawals will reduce the
living and death benefits and account value. Withdrawals may be subject to withdrawal
charges.

Variable annuities are issued by MetLife Investors Insurance Company, MetLife Investors USA
Insurance Company and in New York, only by First MetLife Investors Insurance Company
(collectively and singly, MetLife Investors). All products are distributed by MetLife Investors
Distribution Company, Irvine, CA. December 2008

   • Not A Deposit • Not FDIC-Insured • Not Insured By Any Federal Government Agency
          • Not Guaranteed By Any Bank Or Credit Union • May Go Down In Value




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                        For Broker/Dealer Use Only. Not for Public Distribution.
NEW BUSINESS TRANSITION RULES

Transition Rules for Changes to the GMIB Plus (2008), LWG (2008) and the EDB Riders effective 2/23/09

       For Applications with Funds:
       •   A customer may apply for the pre-2/23/09 versions of the GMIB Plus (2008), LWG (2008) or EDB Riders
           when an application with funds is received in good order by the MetLife Investors Annuity Service Center
           on or before the close of the New York Stock Exchange on Friday February 20, 2009.
       •   Applications with funds that are not received in good order on or before the close of the New York
           Stock Exchange on Friday, February 20, 2009, may not receive the pre-2/23/09 versions of these
           riders.

       For Applications with Transfer Paperwork:
       •   A customer may apply for the pre-2/23/09 versions of the GMIB Plus (2008), LWG (2008) or EDB Rider
           when an application, transfer and any required state replacement paperwork is received in good order by
           the MetLife Investors Annuity Service Center on or before the close of the New York Stock Exchange on
           Friday, February 20, 2009.
       •   Please note: Except as otherwise provided below, contracts must be funded within ninety (90) days
           of the date paperwork is received to be assured that the contract receives the pre-2/23/09 versions of
           the GMIB Plus (2008), LWG (2008) or EDB Riders. We reserve the right to cancel applications that are
           not funded within ninety (90) days of the date paperwork is received.

       Electronically Submitted Business:
       •   MetLife Investors Annuity Service Center must be in receipt of the electronic order and funds (or transfer
           and any required state replacement paperwork in good order) by the close of the New York Stock
           Exchange on Friday, February 20, 2009 to receive the pre-2/23/09 versions of the GMIB Plus (2008), LWG
           (2008) or EDB Riders.
       •   Financial advisers should check with their firm's back office on firm-specific time constraints related to
           electronic submission of business. Those processes may be delayed due to various approvals, suitability
           review, etc. as determined and managed by the firm.

Transition Rules for Discontinuing the GMAB Rider effective 2/23/09

       For Applications with Funds:
       •   A customer may apply for the GMAB Rider when an application with funds is received in good order by
           the MetLife Investors Annuity Service Center on or before the close of the New York Stock Exchange on
           Friday, February 20, 2009.
       •   Applications with funds that are not received in good order on or before the close of the New York Stock
           Exchange on Friday, February 20, 2009, may not receive the GMAB Rider.
       For Applications with Transfer Paperwork:
       •   A customer may apply for the GMAB Rider when an application, transfer and any required state
           replacement paperwork is received in good order by the MetLife Investors Annuity Service Center on or
           before the close of the New York Stock Exchange on Friday, February 20, 2009.
       •   Please note: Except as otherwise provided below, contracts must be funded within ninety (90) days
           of the date paperwork is received to be assured that the contract receives the GMAB rider. We
           reserve the right to cancel applications that are not funded within ninety (90) days of the date
           paperwork is received.

       Electronically Submitted Business:
       •   MetLife Investors Annuity Service Center must be in receipt of the electronic order and funds (or transfer
           and any required state replacement paperwork in good order) by the close of the New York Stock
           Exchange on Friday, February 20, 2009, to receive the GMAB Rider.
       •   Financial advisers should check with their firm's back office on firm-specific time constraints related to
           electronic submission of business. Those processes may be delayed due to various approvals, suitability
           review, etc. as determined and managed by the firm.




                               For Broker/Dealer Use Only. Not for Public Distribution.
L1208008386[exp0310]

								
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