Contract



 METROPOLITAN LIFE INSURANCE COMPANY 

(A Stock Company) 

[200 Park Avenue 

New York, NY 10166] 
 NOTICE

 To obtain information about your policy or if you need assistance or need help in resolving a complaint, you may call [(800)-638-7732]. 
 Metropolitan Life Insurance Company
(referred to as “we”, “us”, “our”, and the “Company”) will make Income Payments as described in this Contract beginning on the Annuity Date. 
 This Policy is a legal contract between the policyholder and the Company. 
 FREE LOOK PROVISION
- RIGHT TO CANCEL 
 This Contract may be returned for any reason within [10] days after you receive it by mailing or delivering the Contract
to either us or the agent who sold it. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. We will promptly refund your Account Value plus the sum of all fees, taxes, and charges deducted from
the Purchase Payment as of the effective date of the Free Look on the Business Day we receive your Contract. Your Account Value may be more or less than your Purchase Payment. 
 Signed for the Company. 
  

					
			
	/s/ Timothy Ring	 		 	/s/ Steven A. Kandarian
	 [Secretary]
	 		 	[President]

 INDIVIDUAL SINGLE PREMIUM DEFERRED INDEX-LINKED SEPARATE ACCOUNT ANNUITY CONTRACT 

[This Contract contains Shield Options and a Fixed Account. The initial interest rate for the Fixed Account is guaranteed for one year.] 

NONPARTICIPATING 
 READ YOUR CONTRACT CAREFULLY. 
 VALUES AND DETERMINATION OF ANNUITY PAYMENTS PROVIDED BY
THIS CONTRACT, WHEN BASED ON THE VALUE OF THE SHIELD OPTION(S) SUBJECT TO THE SHIELD RATE AND THE CAP OR STEP RATE, ARE VARIABLE, MAY INCREASE OR DECREASE, BASED ON WHETHER THE INDEX PERFORMANCE IS POSITIVE, NEGATIVE, OR EQUAL TO ZERO, AND ARE NOT
GUARANTEED AS TO FIXED DOLLAR AMOUNT. INVESTMENT IN THE CONTRACT INVOLVES INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF PRINCIPAL. 
 [We
reserve the right with 30 days advance written notice to restrict transfers and allocations into the Fixed Account during the Transfer Period if the declared interest rate that would apply equals the Minimum Guaranteed Interest Rate and the Company
is unable to support the Minimum Guaranteed Interest Rate. We will notify you if these restrictions on transfers and allocations are subsequently lifted.] 

  
 ML-22494 (09/12) 








 TABLE OF CONTENTS 

 

					
	 	  	PAGE	 
	 CONTRACT SCHEDULE
	  	 	[3	  
		
	 DEFINITIONS
	  	 	4	  
		
	 GENERAL PROVISIONS
	  	 	5	  
		
	 ANNUITANT, OWNERSHIP, ASSIGNMENT PROVISIONS
	  	 	7	  
		
	 BENEFICIARY PROVISIONS
	  	 	8	  
		
	 PURCHASE PAYMENT PROVISIONS
	  	 	8	  
		
	 RENEWAL PROVISIONS
	  	 	9	  
		
	 ACCOUNT VALUE PROVISIONS
	  	 	9	  
		
	 WITHDRAWAL PROVISIONS
	  	 	11	  
		
	 DEATH BENEFIT PROVISIONS
	  	 	12	  
		
	 ANNUITY PROVISIONS
	  	 	13	] 


  
 ML-22494 (09/12) 








 DEFINITIONS 
 Account Value 
 Is the total of the value of the Shield Option(s) under this Contract,
adjusted for any amounts that may be included by rider during the Accumulation Period. Also referred to as “Contract Value.” 

Accumulation Period 
 The period prior to
the Annuity Date. 
 Annuity Service Office 
 The office indicated on the Contract Schedule to which notices and requests must be sent, or as otherwise changed by notice from us. 
 Annuitant 
 The natural person listed on the Contract Schedule on whose life Income Payments
are based. Any reference to Annuitant shall also include any Joint Annuitant under an Annuity Option. 
 Annuity Date 

A date on which you choose to begin receiving Income Payments. If we agree, you may change the Annuity Date subject to the requirements shown under the
Annuity Option Information section on the Contract Schedule. If you do not choose an Annuity Date, the Annuity Date will be the Annuity Date described on the Contract Schedule. Also referred to as “Maturity Date.” 

Attained Age 
 The age of any Owner,
Beneficiary or Annuitant on his/her last birthday. 
 Beneficiary 
 The person(s) or entity(ies) you name to receive a death benefit payable under this Contract upon the death of the Owner or a Joint Owner, or in certain circumstances, an Annuitant. 

Business Day 
 Any day our Annuity
Service Office, shown on the Contract Schedule, is open for business. For purposes of administrative requests and transactions, a Business Day ends at 4:00PM Eastern Standard Time. 
 Code 
 The Internal Revenue Code of 1986, as amended. 

Company 
 Metropolitan Life Insurance
Company. 
 Contract Anniversary 

An anniversary of the Issue Date of this Contract. 
 Contract Year 
 A one-year period starting on the Issue Date and on each Contract
Anniversary thereafter. 
 Income Payments 
 A series of payments made by us during an Income Period, which we guarantee as to dollar amount. 

Income Period 
 A period starting on an
Annuity Date during which Income Payments are payable. 
 Investment Amount 
 The Investment Amount for each Shield Option is the amount that is allocated to the Shield Option. The Investment Amount will be reduced for any withdrawal by the same percentage that the withdrawal
reduces the Interim Value attributable to that Shield Option. The Investment Amount is adjusted by the Performance Rate at the end of the Term. 

Issue Date 
 The date this Contract was
issued. The Issue Date is shown on the Contract Schedule. 

  
 ML-22494 (09/12) 

4 








 Joint Owner 
 If there is more than one Owner, each Owner shall be a Joint Owner of the Contract. 
 Notice

 Any form of communication providing information we need, either in a signed writing or another manner that we approve in advance. All
Notices to us must be sent to our Annuity Service Office and received in good order. To be effective for a Business Day, a Notice must be received in good order prior to the end of that Business Day. 

Owner 
 The person(s) entitled to the
ownership rights under this Contract. If Joint Owners are named, all references to Owner shall mean Joint Owners. (Referred to as “you”, “yours” or “policyholder.”) 

Purchase Payment 
 The amount paid to us
under this Contract as consideration for the benefits it provides. 
 Shield Option 

This is an investment option offered in this product. The option shields the client from a specified amount of investment losses. Each Shield Option has
an associated Index, Term, Shield Rate, and either a Cap Rate or Step Rate. For example, a Shield 10 represents an investment option where if the contract holder holds the investment until the end of the Term, the Company will cover the first 10% of
any losses. 
 GENERAL PROVISIONS 
 The Contract 
 The Contract consists of this contract and any attached riders or
endorsements. We may require this Contract to be returned to us prior to the payment of any benefit. It is important to review any riders or endorsements. In case of conflict with any other provision of this Contract, the provisions of the Rider or
Endorsement will control. 
 Non-Participating 
 This Contract will not share in any distribution by us of Company dividends. 
 Misstatement of
Age or Sex 
 We may require proof of the age or sex of the Annuitant, Owner and/or Beneficiary before making any payments under this
Contract that are measured by the Annuitant’s, Owner’s or Beneficiary’s life. If the age or sex of the Annuitant, Owner or Beneficiary has been misstated, the amount payable will be the amount that the Account Value would have
provided at the correct age and sex. 
 Once Income Payments have begun, the amount of any overpayments or underpayments, with interest at
6% per annum, will be, as appropriate, deducted from or added to the payment or payments made after the adjustment. 
 Reports

 At least once each calendar year we will furnish you with a report showing the Account Value and any other information as may be required
by law. The Report shall provide current information as of a date not more than four months prior to the date of mailing. We will send you confirmations of certain transactions, the beginning and end dates of the current Report period, the Account
Value, if any, at the beginning of the current Report period and at the end of the current Report period, the Withdrawal Value, if any, at the end of the current Report period, the amounts that have been credited and debited to the Account Value
such as Purchase Payment, partial withdrawals, and any applicable Withdrawal Charges and any additional benefit values, if any at the end of the current Report period, added by Rider to this Contract. Reports and confirmations will be sent to your
last known address on our records. 
 Premium and Other Taxes 
 Any taxes paid by us to any governmental entity relating to this Contract will be deducted from the Purchase Payments or Account Value when incurred. We will, at our sole discretion, determine when taxes
relate to the Contract, including when they have resulted from: the investment experience of the Separate Account; receipt by us of the Purchase Payments; or commencement of Annuity Payments. We may, at our sole discretion, pay taxes when due and
deduct that amount from the Account Value at a later date. Payment at an earlier date does not waive any right we may have to deduct amounts at a later date. We will deduct any withholding taxes required by applicable law. 

Evidence of Survival 

  
 ML-22494 (09/12) 

5 








 We may require proof that any person(s) on whose life Income Payments are based is alive. We reserve the
right to discontinue Income Payments until satisfactory proof is received. 

  
 ML-22494 (09/12) 

6 








 Modification of Contract 
 This Contract may be changed by us in order to maintain compliance with applicable state and federal law. This Contract may be changed or altered only in writing signed by our President, Vice-President,
or Secretary. 
 Notwithstanding any provision of this Contract to the contrary, this Contract will be construed and administered in accordance
with applicable sections of the Code. To preserve this Contract’s status as an annuity and comply with applicable sections of the Code and applicable Treasury Regulations, we may, if necessary amend this Contract. We will notify you of any
amendments and, when required by law, we will obtain your approval and the approval of the New York Department of Financial Services. 

Incontestability 
 We will not contest
this contract from the Issue Date. 
 Deferral of Payments 
 After receipt of a Notice of withdrawal from you, we reserve the right to defer payment for a withdrawal for the period permitted by law, but not for more than six (6) months. 

Interest of Delayed Payments 
 We will
pay interest on any payments of death benefits from the date of death. We will also pay interest on withdrawals paid ten Business Days or later after receipt by us of any Notice to complete the transactions. Interest, in either instance, will be
paid in accordance with laws and regulations in effect in the state of New York. 
 Suspension of Payments or Transfers 

We may be required to suspend or delay the payment ofwithdrawals, and transfers when we cannot obtain an Index Value under the following circumstances:

  

	 	•	 	 the New York Stock Exchange is closed (other than customary weekend and holiday closings); 



 

	 	•	 	 trading on the New York Stock Exchange is restricted; 



 

	 	•	 	 an emergency exists such that we cannot value Investment Amounts; or 



 

	 	•	 	 during any other period when a regulator by order, so permits. 



ANNUITANT, OWNERSHIP, ASSIGNMENT PROVISIONS 
 Owner 
 You, as the Owner, have all the interest and rights under this Contract. The Owner
is the person named as such on the Issue Date, unless changed. 
 You may change the Owner at any time. Any change of Owner request may be
refused in a non-discriminatory manner in order to comply with any applicable laws, rules or regulations in effect at the time of the request. A change of Owner will automatically revoke any prior named Owner. A request for change must be:

  

	 	1.	by Notice; and 

  

	 	2.	received by us at the Annuity Service Office. 


The change will become effective as of the date the Notice is signed by you. Naming a new Owner will not apply to any payment made or action taken by us
prior to the time the new naming was received at our Annuity Service Office. 
 Joint Owner 

A Contract may be owned by Joint Owners, both of whom must be natural persons. Either Joint Owner can exercise all rights under the Contract unless you
inform us otherwise or in a Notice to us. Upon the death of either Owner, the surviving Joint Owner will be deemed to be the primary Beneficiary unless you inform us otherwise. Any other Beneficiary naming will be treated as a contingent Beneficiary
unless otherwise indicated on the Contract Schedule or in a Notice to us. 
 Annuitant 

The Annuitant is the person on whose life Annuity Payments are based. The Annuitant is the person named by you as of the Issue Date, unless changed prior
to the Annuity Date. The Annuitant may not be changed in a Contract which is owned by a non-natural person. Any change of Annuitant is subject to the specified maximum age in effect at the time of the request. 

  
 ML-22494 (09/12) 

7 








 Assignment 
 You may assign your rights under this Contract unless restricted by the Internal Revenue Code or other applicable law. For example, in certain tax markets assignment of this Contract is prohibited by the
Internal Revenue Code. If your contract is assigned absolutely, we will treat it as a change of ownership and all rights will be transferred. We are not bound by any assignment unless it is in writing and until it is received at our Annuity Service
Office. We are not responsible for the validity of any assignment. Assignments will be effective as of the date the written notice of assignment was signed subject to all payments made and actions taken by us before a copy of the signed assignment
form is received by us at our Annuity Service Office. 
 BENEFICIARY PROVISIONS 

Beneficiary 
 The Beneficiary is the
person(s) outlined on the Contract Schedule or the surviving Joint Owner, unless changed. Unless you provide otherwise, the death benefit will be paid to or in equal shares as follows: 

 

	 	1.	to the primary Beneficiary(ies) who survive you (or who survive the Annuitant if the Owner is a non-natural person); or if there are none, then


  

	 	2.	to the contingent Beneficiary(ies) who survive you (or who survive the Annuitant if the Owner is a non-natural person); or if there are none, then


  

	 	3.	to your estate. 

 Change of Beneficiary

 Subject to the rights, including the written consent, of any irrevocable Beneficiary and any applicable laws or regulations, you may
change the primary Beneficiary or contingent Beneficiary. A change may be made by filing a Notice with us. The change will take effect as of the date the Notice is signed, but we will not be liable for any payment made or action taken before we have
received the Notice. 
 PURCHASE PAYMENT PROVISIONS 
 Separate Account 
 The Purchase Payment made to this Contract is invested in the Separate
Account shown on the Contract Schedule. We have exclusive and absolute ownership and control of the assets of the Separate Account. It is a non-unitized separate account. You do not share in the investment performance of assets allocated to the
Separate Account. All investment income, gains and losses, whether or not realized, from assets allocated to the Separate Account are borne by the Company. The obligations under this Contract are independent of the investment performance of the
Separate Account and are the obligations of the Company. 
 We will maintain in the Separate Account assets with an aggregate value at least
equal to the reserves for all contracts issued on the Separate Account. 
 If the aggregate value of such assets should fall below such amount,
the Company will transfer assets into the Separate Account so that the value of the Separate Account’s assets is at least equal to such amount. Assets supporting reserves for annuity benefits under such contracts, in the course of payment,
shall not be maintained in the Separate Account. 
 Shield Options 
 On the Issue Date, you may allocate your Purchase Payment to one or more of the available Shield Options listed on the Contract Schedule. At the end of each Term, you may transfer the Account Value
attributable to the Shield Option(s) to one or more of the available Shield Options subject to the Transfer Requirements and Minimum Allocation shown on the Contract Schedule and the Renewal Provisions. 

Each Shield Option has an associated Index, Term, Shield Rate, and either a Cap Rate or a Step Rate as defined below. 

Term 
 The initial Term(s) begin on the
Issue Date. A Term ends and a subsequent Term begins, on the Contract Anniversary coinciding with the term duration of the then current Term for that Shield Option. 
 Index 
 There is a specific Index associated with each Shield Option. The Index is the price
index of certain securities, excluding dividends, or commodities. 

  
 ML-22494 (09/12) 

8 








 Index Value 
 The Index Value of an Index, on a Business Day, is the published closing value of the Index on that Business Day. We will use consistent sources to obtain Index Values. If these sources are no longer
available for specific indices, we will select an alternative published source(s) for these Index Values. The Index Value on any day that is not a Business Day is the value as of the prior Business Day. 

Index Performance 
 Index Performance is
the percentage change in an Index Value measured from the beginning of a Term to any day, including the last day, within the Term. Index Performance can be positive, negative, or zero. 
 Shield Rate 
 The Shield Rate is the amount of any negative Index Performance that is
absorbed by us at the end of the Term. Any negative Index Performance beyond the Shield Rate will reduce the Investment Amount. For example, a -15% Index Performance with a 10% Shield Rate will result in a -5% Performance Rate; or, a -10% Index
Performance with a 25% Shield Rate will result in a 0% Performance Rate. 
 The Shield Rate may vary between Shield Options, and it is not an
annual rate. 
 Cap Rate 
 The
Cap Rate is the maximum rate that may be credited at the end of a Term based on Index Performance. A new Cap Rate is declared for each subsequent Term, and such rate will not be less than the Minimum Guaranteed Cap Rate on the Contract Schedule.

 The Cap Rate may vary between Shield Options, and it is not an annual rate. 
 Step Rate 
 The Step Rate is the rate credited at the end of a Term if the Index Performance
is greater than or equal to zero. A new Step Rate is declared for each subsequent Term, and such rate will not be less than the Minimum Guaranteed Step Rate on the Contract Schedule. 
 The Step Rate may vary between Shield Options, and it is not an annual rate. 

RENEWAL PROVISIONS 
 For
renewals into the same Shield Option, a new Cap Rate or Step Rate, whichever is applicable, will be declared and will go into effect on the Contract Anniversary that coincides with the beginning of the new Shield Option. 

Discontinuation or Substantial Change to an Index 
 If any Index is discontinued or, we determine that our use of such Index should be discontinued, or if the calculation of an Index is substantially changed, we may substitute a comparable index. We will
send you 30 days advance written notice if we determine that such Index should be discontinued and reasonable written Notice should the Index be discontinued by the Index provider. Upon substitution of an Index, we will calculate your Index
Performance on the existing Index up until the date of substitution and the new Index from the date of substitution to the end of the Term. A substitute Index will not change the Shield Rate, Cap Rate or Step Rate for an existing Shield Option.

 Addition or Discontinuance of a Shield Option 
 We can add or discontinue any Shield Option. When a change is made to the Shield Options or Indices referenced on the Contract Schedule or as changed subsequent to the Issue Date, we will send
notification to you which will describe any changes to the Shield Options then available under the Contract as required by law. This change will take effect upon your Contract as of the next Contract Anniversary for any allowable transfers into the
Shield Option(s). If you are currently invested in a Shield Option which is no longer available, you will remain in that Shield Option until the end of the Term, but that Shield Option will not be available thereafter. At least one Shield Option
will be available at all times. 
 ACCOUNT VALUE PROVISIONS 
 The Account Value attributable to each Shield Option is as determined below and will be the Interim Value on any day during the Term and the Investment Amount as adjusted for the Performance Rate at the
end of the Term as defined below. 
 Performance Rate 
 The Performance Rate is the rate credited at the end of the Term. The Performance Rate at the end of a particular Term is the Index Performance, adjusted for the applicable Shield Rate, Cap Rate, or Step
Rate. The Performance Rate can be positive, negative, or equal to zero. At the end of the Term, any increase or reduction in a particular Shield Option is 

  
 ML-22494 (09/12) 

9 








 
determined by multiplying the Performance Rate by the Investment Amount of the Shield Option on the last day of the Term. 
 The Performance Rate is determined as follows: 
 Shield Options with a Cap Rate: 

If Index Performance is equal to or less than zero, then the Performance Rate will equal the lesser of zero, or the Index Performance increased by the
Shield Rate. (For example: a -15% Index Performance with a 10% Shield Rate will result in a -5% Performance Rate.) The Performance Rate can never be greater than zero if the Index Performance is negative. 

If Index Performance is greater than zero and less than the Cap Rate, then the Performance Rate will equal the Index Performance. 

If Index Performance is greater than zero and equals or exceeds the Cap Rate, then the Performance Rate will equal the Cap Rate. 

Shield Options with a Step Rate: 
 If
Index Performance is less than zero, then the Performance Rate will equal the lesser of zero or the Index Performance increased by the Shield Rate. (For example: a -15%Index Performance with a 10% Shield Rate will result in a -5% Performance Rate.)
The Performance Rate can never be greater than zero if the Index Performance is negative. 
 If Index Performance is equal to or greater than
zero, the Performance Rate will equal the Step Rate. 
 Interim Value 
 The Interim Value for each Shield Option is the value we assign on any Business Day prior to the end of the Term. During the Transfer Period set forth in the Contract Schedule, the Interim Value of each
Shield Option will equal the Investment Amount in that Shield Option. After the Transfer Period, the Interim Value of that Shield Option is equal to the Investment Amount in the Shield Option, adjusted for the Index Performance of the associated
Index and subject to the applicable Accrued Shield Rate, Accrued Cap Rate, or Accrued Step Rate, as defined below. 
 On the date of a
withdrawal from the Shield Option(s), your Interim Value will be reduced by the amount withdrawn. 
 Accrued Shield Rate 

The Accrued Shield Rate is the portion of the Shield Rate that has accrued from the beginning of a Term to any day within the Term. This is the amount
that will be applied in calculating the Interim Value on any day prior to the end of the Term if Index Performance is less than zero. The Accrued Shield Rate is equal to the Shield Rate multiplied by the number of days elapsed since the beginning of
the Term, divided by the total number of days in the Term. 
 Accrued Cap Rate 
 The Accrued Cap Rate is the portion of the Cap Rate that has accrued from the beginning of a Term to any day within the Term. This is the maximum Index Performance that may be applied in calculating the
Interim Value on any day prior to the end of the Term if Index Performance is greater than zero. The Accrued Cap Rate is equal to the Cap Rate multiplied by the number of days elapsed since the beginning of the Term, divided by the total number of
days in the Term. 
 Accrued Step Rate 
 The Accrued Step Rate is the portion of the Step Rate that has accrued from the beginning of a Term to any day within the Term. This is the rate that will be applied in calculating the Interim Value on
any day prior to the end of the Term if Index Performance is equal to or greater than zero. The Accrued Step Rate is equal to the Step Rate multiplied by the number of days elapsed since the beginning of the Term divided by the total number of days
in the Term. 
 Performance Rate for Determination of Interim Value 
 Except as indicated in the Interim Value section above, the Performance Rate during a particular Term is the Index Performance, adjusted for the applicable Accrued Shield Rate, Accrued Cap Rate, or
Accrued Step Rate. 
 For purposes of determining the Accrued Shield Rate, Accrued Cap Rate, and Accrued Step Rate, the total number of days in
each calendar year of a Term is 365. 
 The following are hypothetical examples that show the determination of the Interim Value when the Index
Performance is greater than zero and less than zero. These hypothetical examples are rounded for illustrative purposes: 

  
 ML-22494 (09/12) 

10 








 Example #1 – Index Performance is positive – Interim Value calculated 306 days into a Term of 3
Years. 
  

			
	 Issue Date
	  	March 1, 2013
	 Investment Amount
	  	$100,000
	 Shield Option
	  	XYZ 10
	 Term
	  	3 Years
	 Shield Rate
	  	10%
	 Cap Rate
	  	25%
	 Index Value at Beginning of Term
	  	1000
	 Number of Days in Term
	  	1095 (3 X 365 = 1095)
	 Index Value at close of Business Day on January 1, 2014
	  	1100
	 Index Performance
	  	10%
	 Accrued Days
	  	306

 The Accrued Cap Rate as of January 1, 2014 is 6.986% 306 days into the 3 year term (25%*(306/1095)). The Index
Performance is calculated at 10% (1100/1000 - 1). Since the Index Performance is positive, the Interim Value is then determined by multiplying the Investment Amount by the lesser of the Index Performance or the Accrued Cap Rate and adding that
amount to the Investment Amount. As of the close of the Business Day January 1, 2014, the Interim Value is $106,986 ($100,000+$100,000 * 6.986%). 
 Example #2 – Index Performance is negative– Interim Value calculated 306 days into a Term of 3 Years. 
  

			
	 Issue Date
	  	March 1, 2013
	 Investment Amount
	  	$100,000
	 Shield Option
	  	XYZ 10
	 Term
	  	3 Years
	 Shield Rate
	  	10%
	 Cap Rate
	  	25%
	 Index Value at Beginning of Term
	  	1000
	 Number of Days in Term
	  	1095 (3 X 365 = 1095)
	 Index Value at close of Business Day on January 1, 2014
	  	950
	 Index Performance
	  	-5%
	 Accrued Days
	  	306

 The Accrued Shield Rate as of January 1, 2014 is 2.795% 306 days into the 3 year term (10% * (306/1095)). The Index
Performance is calculated at -5% (950/1000 - 1). Since the Index Performance is negative, the Interim Value is then determined by multiplying the Investment Amount by the Index Performance plus the Accrued Shield Rate (-5% + 2.795% = -2.205%) and
adding that amount to the Investment Amount. As of the close of Business Day January 1, 2014, the Interim Value is $97,795 ($100,000+$100,000*-2.205%). 
 WITHDRAWAL PROVISIONS 
 Withdrawals 

Prior to the Annuity Date, you may, upon Notice to us, request a full or a partial withdrawal and we will withdraw that amount from the Account Value
(“the amount withdrawn”). A withdrawal will result in a reduction to each Shield Option in the ratio that each Shield Option bears to the total Account Value, as determined under the Account Value Provisions above, unless otherwise
directed by you. The amount payable to you will be a net amount equal to the amount withdrawn adjusted for any applicable Withdrawal Charge shown on the Contract Schedule and Premium and Other Taxes. The Free Withdrawal Amount shown on the Contract
Schedule defines the amount You may withdraw free from any Withdrawal Charge. 
 The total amount withdrawn from the Account Value must not be
less than the Minimum Partial Withdrawal amount shown on the Contract Schedule. If the withdrawal would result in the remaining Account Value being less than the Minimum 

  
 ML-22494 (09/12) 

11 








 
Account Value shown on the Contract Schedule, we will treat the withdrawal request as a request for a full withdrawal. 
 If you request a full or partial withdrawal, the amount withdrawn after adjustments for any Withdrawal Charge will result in our paying you a net amount. The net amount payable to you is equal to
(a)-(b)-(c), where: 
  

	 	(a)	is the amount withdrawn from the Account Value, and 

  

	 	(b)	is the Withdrawal Charge, if any, as described on the Contract Schedule, and 


 

	 	(c)	is the Premium and Other Taxes, if any. 

 The
amount withdrawn will reduce the Investment Amount, as defined in the Definitions section, for each Shield Option by the percentage reduction in the Interim Value of such Shield Option. 

DEATH BENEFIT PROVISIONS 

Death of Owner During the Accumulation Period 
 During the Accumulation Period, the death benefit will be paid to your Beneficiary(ies) upon your death, or the first death of a Joint Owner. If the Contract is owned by a non-natural person, the
Annuitant will be deemed the Owner for purposes of determining the death benefit. 
 Death Benefit Amount During the Accumulation Period

 The “Death Benefit Amount” is the Account Value, as defined under the Account Value Provisions above, determined as of the end
of the Business Day on which we have received Notice of both due proof of death and the first acceptable election for the payment method. 

Death Benefit Options During the Accumulation Period 
 In the event an Owner (or the Annuitant where the Owner is not an individual) dies during the Accumulation Period, a Beneficiary must choose payment of the death benefit under one of the options below
(unless the Owner has previously chosen an option). The death benefit options available under the Contract include the following and any other options acceptable to you and us: 
 Option 1 — lump sum payment of the death benefit; or 
 Option 2 — the
payment of the entire death benefit within five years of the date of death of the Owner or the first Joint Owner to die; or 
 Option 3
— payment of the death benefit under an Annuity Option or other periodic payment option acceptable to us in substantially equal periodic payments (made at least annually) over the lifetime of the Beneficiary or over a period not extending
beyond the life expectancy of the Beneficiary with distribution beginning within one year of the date of death of the Owner or the first Joint Owner to die. 
 Any portion of the death benefit not applied under Option 3 within one (1) year of the date of the Owner’s or Joint Owner’s death must be distributed within five years of the date of death.

 Beneficiary Continuation Options During Accumulation Period 
 We offer two types of Beneficiary Continuation Options during the Accumulation Period: the Spousal Continuation and Non-Spousal Beneficiary Continuation Options described below. We must receive Notice of
the election of one of these Beneficiary Continuation Options by the end of the 90th day after we receive Notice of due proof of death. If the surviving spouse qualifies for Spousal Continuation and has not chosen one of the death benefit options
above by the end of the 90 day period, the Spousal Continuation Option will be automatically applied on the 90th day. If a Non-Spousal Beneficiary qualifies for Non-Spousal Beneficiary Continuation and has not chosen one of the death benefit options
above by the end of the 90 day period, the Non-Spousal Beneficiary Continuation Option will be automatically applied on the 90th day. 

Spousal Continuation During Accumulation Period 
 If the Owner dies during the Accumulation Period and the Beneficiary is his or her spouse, the spouse may choose to continue the Contract in his or her own name and exercise all the Owner’s rights
under the Contract. The Death Benefit Amount under the continued contract payable upon the continuing spouse’s death will be computed as described above in the Death Benefit Amount During the Accumulation Period section. 

Non-Spousal Beneficiary Continuation During Accumulation Period 
 A Beneficiary who is not a spouse can choose to continue the Contract until the fifth anniversary of the Owner’s death. The Contract can be continued by a Beneficiary only if his or her share of the
death benefit is at least equal to the. If the Beneficiary continues the Contract under this provision his or her share will not be paid. It will instead be continued in the Contract on the date we determine the Death Benefit Amount. Such
Beneficiary will have the right to make partial and full withdrawals of his/her share of the Contract, not subject to Withdrawal Charges. Such Beneficiary will also have the right 

  
 ML-22494 (09/12) 

12 








 
to make transfers at the end of a Term as described on the Contract Schedule. 
 During
the continuation period the Beneficiary can choose to receive his/her share of this Contract in a single lump sum payment or apply it to an Annuity Option or other option acceptable to us that must be payable for the life of the Beneficiary or for a
term no longer than the life expectancy of the Beneficiary starting within one year after the death of the Owner. 
 On the fifth anniversary of
the Owner’s death any Beneficiary will be paid his/her share of the Account Value that has not been applied to an Annuity option or other settlement option permissible under the Code, in a single lump sum payment and this Contract will
terminate. 
 Death of Annuitant During Income Period 
 Upon the death of the Annuitant during the Income Period, the remaining Income Payments, if any, will be as specified in the Annuity Option chosen. Income Payments will be paid at least as rapidly as
under the method of distribution in effect at the Annuitant’s death. 
 Death of Owner During the Income Period 

If the Owner (or a Joint Owner), is not the Annuitant, and dies during the Income Period, any remaining payments under the Annuity Option will continue at
least as rapidly as under the method of distribution in effect at the time of the Owner’s (or Joint Owner’s) death. Upon the death of the Owner (or a Joint Owner) during the Income Period, the Beneficiary becomes entitled to exercise the
rights of the Owner. If an Owner (or Joint Owner) is the Annuitant and dies during the Income Period, the remaining Income Payments, if any, will be as specified in the Annuity Option chosen and will continue at least as rapidly as under the method
of distribution in effect at the time of the Owner’s (or Joint Owner’s) death. 
 Death of Annuitant During Accumulation Period

 Upon the death of an Annuitant, who is not the Owner or Joint Owner, during the Accumulation Period, the Owner (or Oldest Joint Owner)
automatically becomes the Annuitant, unless the Owner, subject to the maximum specified age in effect at the time of request, chooses a new Annuitant. If the Owner is a non-natural person, the death of the Annuitant will be treated as the death of
an Owner (see Death of Owner During the Accumulation Period discussed above). 
 Payment of Death Benefit 

We will require Notice of both due proof of death and an acceptable election for the payment method before any death benefit is paid. Our obligations are
subject to all payments made and actions taken by us before our receipt of Notice of due proof of death. 
 ANNUITY PROVISIONS

 Election of Annuity Option 
 The Annuity Option is chosen by you or your Beneficiary in a form satisfactory to us. We will automatically send you information about Annuity Options before your Annuity Date. If you do not choose an
Annuity Option, make a full withdrawal by the Annuity Date, or ask us to continue the Contract by the Annuity Date, we will automatically pay you under Option 2: Life Annuity with Ten (10) Years of Income Payments Guaranteed. You can make,
change, or revoke your Annuity Option choice before the death benefit becomes payable or the Annuity Date, whichever occurs first. 
 Annuity
Options 
 You may choose to receive Income Payments monthly, quarterly, semi-annually or annually. The following Annuity Options, or any
other options acceptable to you and us, may be chosen: 
 Option 1: Life Annuity 
 Income Payments that are paid as long as the Annuitant is living. 
 Option 2: Life Annuity with
10 Years of Income Payments Guaranteed 
 Income Payments that continue as long as the Annuitant is living but are guaranteed to be paid for
ten years. 
 Option 3: Joint and Last Survivor Life Annuity 
 Income Payments that are paid as long as either of two Annuitants is living. 
 Option 4: Joint
and Last Survivor Annuity with 10 Years of Income Payments Guaranteed 
 Income Payments that continue as long as either of the two
Annuitants are living but are guaranteed to be paid for ten years. 
 If, as of the Annuity Date, the then current Annuity rates applicable to
this class of contracts provide an Income Payment 

  
 ML-22494 (09/12) 

13 








 
greater than the one guaranteed under this Contract for the same Annuity Option, then the greater payment will be made. 
 Income Payments 
 Income Payments are based upon the Annuity Option chosen, the Account
Value, as defined under the Account Value Provisions above, applied to the Annuity Option, the Annuitant’s Attained Age and sex, and the appropriate Fixed Annuity Table. 
 Frequency and Amount of Income Payments 
 Income Payments will be paid as monthly
installments or at any frequency acceptable to you and us. If the amount of the Account Value to be applied under an Annuity Option is less than $5,000, we reserve the right to make one lump sum payment equal to the then current Account Value in
lieu of Income Payments. If the amount of the Income Payment would be less than $100, we may reduce the frequency of payments to an interval which will result in the payment being at least $100, but with a frequency of no less than annually.

 Basis of Payments 
 The
Annuity Tables are based on the tables defined under the Annuity Option Information described in the Contract Schedule. The amount of each Income Payment is guaranteed by us. 
 Betterment of Rates 
 Annuity payments will not be less than those that would be provided by
the application of the Account Value to purchase a single consideration immediate annuity contract of the same type as the settlement option elected, which is offered by Us or our affiliates on the Annuity Date to the same class of annuitants.


  
 ML-22494 (09/12) 

14 








 FIXED ANNUITY TABLES 

AMOUNT OF MONTHLY INCOME PAYMENT 
 PER $1000 OF Account Value 
 Annuitant Only 

 


 Option 1: Life Annuity 

 

									
	 Attained Age of Annuitant
	  	Male	 	  	Female	 
	 55
	  	 	2.74	  	  	 	2.59	  
	 60
	  	 	3.07	  	  	 	2.89	  
	 65
	  	 	3.50	  	  	 	3.27	  
	 70
	  	 	4.07	  	  	 	3.77	  
	 75
	  	 	4.84	  	  	 	4.45	  
	 80
	  	 	5.93	  	  	 	5.42	  
	 85
	  	 	7.50	  	  	 	6.86	  


 



 Option 2: Life Annuity with 10 Years of Income Payments Guaranteed 

 

									
	 Attained Age of Annuitant
	  	Male	 	  	Female	 
	 55
	  	 	2.73	  	  	 	2.59	  
	 60
	  	 	3.05	  	  	 	2.88	  
	 65
	  	 	3.46	  	  	 	3.24	  
	 70
	  	 	3.99	  	  	 	3.72	  
	 75
	  	 	4.66	  	  	 	4.34	  
	 80
	  	 	5.50	  	  	 	5.16	  
	 85
	  	 	6.45	  	  	 	6.16	  

 
 

  
 Option 3: Joint and Last Survivor
Life Annuity  
  

																					
	 	 	  	Age of Female Annuitant	 
	 Attained age of Male Annuitant
	  	10 Years
Younger	 	  	5 Years
Younger	 	  	Same
Age	 	  	5 Years
Older	 	  	10 Years
Older	 
	 55
	  	 	2.09	  	  	 	2.21	  	  	 	2.34	  	  	 	2.45	  	  	 	2.54	  
	 60
	  	 	2.26	  	  	 	2.42	  	  	 	2.57	  	  	 	2.71	  	  	 	2.82	  
	 65
	  	 	2.48	  	  	 	2.67	  	  	 	2.86	  	  	 	3.04	  	  	 	3.19	  
	 70
	  	 	2.75	  	  	 	3.00	  	  	 	3.25	  	  	 	3.49	  	  	 	3.69	  
	 75
	  	 	3.10	  	  	 	3.42	  	  	 	3.77	  	  	 	4.09	  	  	 	4.37	  
	 80
	  	 	3.55	  	  	 	4.00	  	  	 	4.48	  	  	 	4.95	  	  	 	5.33	  
	 85
	  	 	4.18	  	  	 	4.82	  	  	 	5.51	  	  	 	6.17	  	  	 	6.69	  

 Option 4: Joint and Last Survivor Annuity with 10 Years of Income Payments Guaranteed 

 

																					
	 	 	  	Age of Female Annuitant	 
	 Attained age of Male Annuitant
	  	10 Years
Younger	 	  	5 Years
Younger	 	  	Same
Age	 	  	5 Years
Older	 	  	10 Years
Older	 
	 55
	  	 	2.09	  	  	 	2.21	  	  	 	2.34	  	  	 	2.45	  	  	 	2.54	  
	 60
	  	 	2.26	  	  	 	2.42	  	  	 	2.57	  	  	 	2.71	  	  	 	2.82	  
	 65
	  	 	2.48	  	  	 	2.67	  	  	 	2.86	  	  	 	3.04	  	  	 	3.19	  
	 70
	  	 	2.75	  	  	 	2.99	  	  	 	3.25	  	  	 	3.48	  	  	 	3.68	  
	 75
	  	 	3.09	  	  	 	3.42	  	  	 	3.76	  	  	 	4.08	  	  	 	4.34	  
	 80
	  	 	3.55	  	  	 	3.99	  	  	 	4.45	  	  	 	4.88	  	  	 	5.19	  
	 85
	  	 	4.15	  	  	 	4.76	  	  	 	5.38	  	  	 	5.89	  	  	 	6.22	  

 Monthly installments for ages not shown will be furnished on request 

  
 ML-22494 (09/12) 

15 








 THIS PAGE INTENTIONALLY LEFT BLANK 

  
 ML-22494 (09/12) 








 INDIVIDUALSINGLE PREMIUM DEFERRED INDEX-LINKED SEPARATE ACCOUNT ANNUITY CONTRACT 

NONPARTICIPATING 
 NO DIVIDENDS

 METROPOLITAN LIFE INSURANCE COMPANY 
 (A Stock Company) 
 [200 Park Avenue 

New York, NY 10166] 







 CONTRACT SCHEDULE 

 

					
	OWNER: [John Doe]	 		  	SEX: [M]         AGE AT ISSUE: [35]
	JOINT OWNER: [Jane Doe]	 		  	SEX: [F]          AGE AT ISSUE: [35]
	ANNUITANT: [John Doe]	 		  	SEX: [M]         AGE AT ISSUE: [35]
	CONTRACT NUMBER: [12345678]	  	ISSUE DATE: [February 15, 2013]
	PLAN TYPE: [Non-Qualified]	 		  	ANNUITY DATE: [February 15, 2068]

 SINGLE PURCHASE PAYMENT: [$50,000] 
 CONTRACT MINIMUM: [$2,000] 
 Minimum Allocation: [$500] 

SHIELD OPTIONS 
 SEPARATE
ACCOUNT:             MLIC SEPARATE ACCOUNT SA II 
 Shield Options and
Indices by Term Available at Issue: 
 Each Shield Option will have an associated Cap Rate or a Step Rate. 

 

					
	Shield Options
	Term	  	Index	  	Minimum Guaranteed Cap/Step Rate
		  	[Shield 25	  	
		  	[S&P 500® Index1	  	
	    [6] Year Term	  	Russell 2000® Index2	  	[6%]]
		  	MSCI EAFE Index3	  	
		  	[Shield 15	  	
		  	[S&P 500® Index	  	
	    [3] Year Term	  	Russell 2000® Index	  	[3%]]
		  	MSCI EAFE Index]	  	
		  	[S&P 500® Index	  	
	    [6] Year Term	  	Russell 2000® Index	  	[6%]]
		  	MSCI EAFE Index]	  	
		  	[Shield 10	  	
		  	[S&P 500® Index	  	[1%]
		  	S&P 500® Index Step Rate	  	[1%]
	     [1] Year Term
	  	Russell 2000® Index	  	[1%]
		  	NASDAQ-100 Index®4	  	[1%]
		  	MSCI EAFE Index	  	[1%]
		  	Bloomberg Commodity IndexSM5]	  	[1%]
		  	[S&P 500® Index	  	[3%]
		  	S&P 500® Index Step Rate	  	[3%]
	     [3] Year Term
	  	Russell 2000® Index	  	[3%]
		  	NASDAQ-100 Index®	  	[3%]
		  	MSCI EAFE Index	  	[3%]
		  	Bloomberg Commodity IndexSM]	  	[3%]
		  	[S&P 500® Index	  	
	     [6] Year Term
	  	Russell 2000® Index	  	[6%]]
		  	MSCI EAFE Index]	  	

 [Return of Premium Death Benefit Maximum Cap or Step Rate Reduction: [60%]] 

Index-linked returns do not include the portion of returns generated by dividends; and the elements used in determining the credited rate from the index
are not guaranteed and can be changed by the Company, subject to any contract guarantees, and any such changes can affect the return. 

  

					
	ML-22495 (09/12)	 	[3A]	 	









 [FIXED ACCOUNT 
  

			
	     Initial Interest Rate*:
	 	[1.00% annually]
		
	     Interest Rate Term:
	 	[1 year]
		
	     Minimum Guaranteed Interest Rate**:
	 	[1.00 % annually]]

 Any paid-up annuity, cash surrender value, or death benefits that are available under this contract will not be less than
the minimum benefits required by the statutes of the state in which this contract is delivered. 
 TRANSFER REQUIREMENTS: 

[TRANSFER PERIOD: 
 The [5 Calendar Days]
following the Contract Anniversary coinciding with the end of the Term for each applicable Shield Option and/or the end of the Interest Rate Term for the Fixed Account.] 
 TRANSFERS: 
 [During the Accumulation Period you may only make a transfer to the Fixed
Account and to a new Shield Option(s) during the Transfer Period, subject to availability. The effective date of such transfer is the first day of the Fixed Account Interest Rate Term and/or Shield Option(s) to which the transfer is made.

 At the end of the Term, the Investment Amount will automatically be renewed into the same Shield Option unless you elect to transfer into a
different Shield Option or the Fixed Account Option at that time. If the Shield Option is no longer available at the end of the existing Term, these amounts will automatically transfer into the Fixed Account at the end of the Term unless otherwise
directed by You. If the Fixed Account is not available, these amounts will automatically transfer into the Shield Option with, in order of priority, the shortest Term, the highest Shield Rate, and the lowest Cap Rate from the Shield Options
available at the end of the Term unless otherwise directed by You. 
 At the end of the Interest Rate Term, the Fixed Account Value will
automatically be renewed into the Fixed Account unless you elect to transfer into a Shield Option at that time. If the Fixed Account is no longer available at the end of the existing Fixed Account Term, these amounts will automatically transfer into
the Shield Option with, in order of priority, the shortest Term, the highest Shield Rate, and the lowest Cap Rate from the Shield Options available at the end of the Interest Rate Term unless otherwise directed by You.] 

BENEFICIARY: As designated by you as of the Issue Date unless changed in accordance with the Contract provisions. 

WITHDRAWALS: 
 Free Withdrawal Amount:
[Each Contract Year after the first Contract Year, you may withdraw a portion of your Account Value free from any Withdrawal Charge. The Free Withdrawal Amount each Contract Year is equal to [10%] of the Account Value as of the prior Contract
Anniversary less the total amount withdrawn, as described in the Withdrawal Provisions, from the Account Value in the current Contract Year. The Free Withdrawal Amount is non-cumulative and is not carried over to other Contract Years.] 

Withdrawal Charge: The Withdrawal Charge is a percentage of the amount withdrawn from the Account Value in a Contract Year in excess of the Free
Withdrawal Amount. The Withdrawal Charge is calculated at the time of each withdrawal using the appropriate withdrawal charge percentage from the following schedule: 
  

 

	*	Initial Interest Rate – the interest rate credited to your initial allocation to the Fixed Account during the Interest Rate Term beginning on the Issue Date.



	**	We reserve the right with 30 days advance written notice to restrict transfers and allocations into the Fixed Account during the Transfer Period if the declared
interest rate that would apply equals the Minimum Guaranteed Interest Rate. We will provide you notice if these restrictions on transfers and allocations are subsequently lifted. 


  

					
	ML-22495 (09/12)	 	[3B]	 	









 WITHDRAWAL CHARGE PERCENTAGES 

 

					
	 Number of Complete

Contract Years Since Issue

Date
	  	% Charge	 
	 0
	  	 	7	% 
	 1
	  	 	7	% 
	 2
	  	 	6	% 
	 3
	  	 	6	% 
	 4
	  	 	5	% 
	 5
	  	 	5	% 
	 6 or more
	  	 	0	% 

 In addition to any waiver of Withdrawal Charges set forth in the Contract or Rider(s), no Withdrawal Charge will be
deducted from the Account Value in the event of: 
  

	1.	Maturity of the Contract; or 

  

	2.	Payment of the Death Benefit; or 

  

	3.	Application of your Account Value to an Annuity Option; or 

  

	4.	If the withdrawal is required for you to avoid Federal Income Tax penalties or to satisfy Federal Income Tax rules concerning minimum distribution requirements that
apply to this annuity (except for RMDs on a decedent Roth IRA.) For purposes of this exception, we assume that this annuity is the only contract or funding vehicle from which distributions are required to be taken, and we will ignore all other
Account Values; or 

  

	5.	If you properly “re-characterize” as permitted under Federal Tax Law your traditional IRA deferred annuity or Roth IRA deferred annuity issued by us; or


  

	6.	If we agree in writing that none will apply. We may waive the Withdrawal Charge if you directly transfer the amount withdrawn to a MetLife or MetLife affiliate annuity
contract pre-approved by us. 

 Minimum Partial Withdrawal:
                [$500.00] 
 Minimum Account Value which
must remain in the Contract after a Partial Withdrawal: [$2,000.00] 
 ANNUITY OPTION INFORMATION: 

 

	1.	 [The Annuity Date must be the first day of a calendar month. Unless otherwise directed by you, the Annuity Date is the first day of the calendar month
following the Annuitant’s 90th birthday or 10 years
from the Issue Date, whichever is later, or a later date if we agree.] 


  

	2.	The Annuity Date must not be less than 13 months from the Issue Date. 

  

	3.	For Income Payments, the Fixed Annuity Tables are based on the Annuity 2000 Mortality Table with 15 years of mortality improvement based upon projection Scale AA, a 7
year age setback and interest at 1.00%. 

 ANNUITY SERVICE OFFICE: 
 Metropolitan Life Insurance Company 
 [P.O. Box 10366 

Des Moines, IA 50306-0366] 
 [(800) 777-5897]


  

					
	ML-22495 (09/12)	 	[3C]	 	









 ENDORSEMENTS AND RIDERS ATTACHED TO THIS CONTRACT: 

[Fixed Account Rider 
 Death Benefit Rider –
Return of Premium 
 Waiver of Withdrawal Charge for Nursing Home Confinement Rider 
 Waiver of Withdrawal Charge for Terminal Illness Rider 
 Individual Retirement Annuity
Qualification Rider 
 Roth Individual Retirement Annuity (“Roth IRA”) Endorsement 

Individual Non-Qualified Annuity Endorsement] 

  

					
	ML-22495 (09/12)	 	[3D]	 	









  

	[1 	 The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by Metropolitan Life Insurance
Company. Standard & Poor’s®, S&P® and S&P 500® are
registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow
Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these
trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Metropolitan Life Insurance Company. The product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates
(collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the product or any member of the public regarding the advisability of investing in securities
generally or in the product particularly or the ability of the S&P 500 Index to track general market performance. S&P Dow Jones Indices’ only relationship to Metropolitan Life Insurance Company with respect to the S&P 500 Index is
the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices or its licensors. The S&P 500 Index is determined, composed and calculated by S&P Dow Jones Indices without regard to
Metropolitan Life Insurance Company or the product. S&P Dow Jones Indices have no obligation to take the needs of Metropolitan Life Insurance Company or the owners of the product into consideration in determining, composing or calculating the
S&P 500 Index. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of the product or the timing of the issuance or sale of the product or in the determination or calculation of
the equation by which the product is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of the product. There
is no assurance that investment products based on the S&P 500 Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security
within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or
sponsor financial products unrelated to the product currently being issued by Metropolitan Life Insurance Company, but which may be similar to and competitive with the product. In addition, CME Group Inc. and its affiliates may trade financial
products which are linked to the performance of the S&P 500 Index. 


 S&P DOW JONES INDICES DOES NOT
GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500 INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH
RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY METROPOLITAN LIFE INSURANCE COMPANY, OWNERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500 INDEX OR WITH RESPECT TO ANY DATA
RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING
LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW
JONES INDICES AND METROPOLITAN LIFE INSURANCE COMPANY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.] 

  

					
	ML-22495 (09/12)	 	[3E]	 	










	[2 	 The product is not sponsored, endorsed, sold or promoted by Frank Russell Company (“Russell”). Russell makes no representation or warranty,
express or implied, to the owners of the product or any member of the public regarding the advisability of investing in securities generally or in the product particularly or the ability of the Russell 2000® Index to track general stock market performance or a segment of the same. Russell’s publication of the Russell
2000® Index in no way suggests or implies an opinion by Russell as to the advisability of investment in any or
all of the securities upon which the Russell 2000® Index is based. Russell’s only relationship to
Metropolitan Life Insurance Company is the licensing of certain trademarks and trade names of Russell and of the Russell
2000® Index which is determined, composed and calculated by Russell without regard to Metropolitan Life
Insurance Company or the product. Russell is not responsible for and has not reviewed the product nor any associated literature or publications and Russell makes no representation or warranty express or implied as to their accuracy or completeness,
or otherwise. Russell reserves the right, at any time and without notice, to alter, amend, terminate or in any way change the Russell 2000® Index. Russell has no obligation or liability in connection with the administration, marketing or trading of the product. 



RUSSELL DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE RUSSELL 2000® INDEX OR ANY DATA INCLUDED THEREIN AND RUSSELL SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS
THEREIN. RUSSELL MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY METROPOLITAN LIFE INSURANCE COMPANY, INVESTORS, OWNERS OF THE PRODUCT OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE RUSSELL 2000® INDEX OR ANY DATA INCLUDED THEREIN. RUSSELL MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL
WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE RUSSELL 2000® INDEX
OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL RUSSELL HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH
DAMAGES. 
  

	3 	 THE PRODUCT IS NOT SPONSORED, ENDORSED, SOLD OR PROMOTED BY MSCI INC. (“MSCI”), ANY OF ITS AFFILIATES, ANY OF ITS INFORMATION
PROVIDERS OR ANY OTHER THIRD PARTY INVOLVED IN, OR RELATED TO, COMPILING, COMPUTING OR CREATING ANY MSCI INDEX (COLLECTIVELY, THE “MSCI PARTIES”). THE MSCI INDEXES ARE THE EXCLUSIVE PROPERTY OF MSCI. MSCI AND THE MSCI INDEX NAMES
ARE SERVICE MARK(S) OF MSCI OR ITS AFFILIATES AND HAVE BEEN LICENSED FOR USE FOR CERTAIN PURPOSES BY METROPOLITAN LIFE INSURANCE COMPANY. NONE OF THE MSCI PARTIES MAKES ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO THE ISSUER OR OWNERS OF
THIS PRODUCT OR ANY OTHER PERSON OR ENTITY REGARDING THE ADVISABILITY OF INVESTING IN PRODUCTS GENERALLY OR IN THIS PRODUCT PARTICULARLY OR THE ABILITY OF ANY MSCI INDEX TO TRACK CORRESPONDING STOCK MARKET PERFORMANCE. MSCI OR ITS AFFILIATES ARE THE
LICENSORS OF CERTAIN TRADEMARKS, SERVICE MARKS AND TRADE NAMES AND OF THE MSCI INDEXES WHICH ARE DETERMINED, COMPOSED AND CALCULATED BY MSCI WITHOUT REGARD TO THIS PRODUCT OR THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY. NONE
OF THE MSCI PARTIES HAS ANY OBLIGATION TO TAKE THE NEEDS OF THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY INTO CONSIDERATION IN DETERMINING, COMPOSING OR CALCULATING THE MSCI INDEXES. NONE OF THE MSCI PARTIES IS RESPONSIBLE FOR
OR HAS PARTICIPATED IN THE DETERMINATION OF THE TIMING OF, PRICES AT, OR QUANTITIES OF THIS PRODUCT TO BE ISSUED OR IN THE DETERMINATION OR CALCULATION OF THE EQUATION BY OR THE CONSIDERATION INTO WHICH THIS PRODUCT IS REDEEMABLE. FURTHER, NONE OF
THE MSCI PARTIES HAS ANY OBLIGATION OR LIABILITY TO THE ISSUER OR OWNERS OF THIS PRODUCT OR ANY OTHER PERSON OR ENTITY IN CONNECTION WITH THE ADMINISTRATION, MARKETING OR OFFERING OF THIS PRODUCT. 



  

					
	ML-22495 (09/12)	 	[3F]	 	









 ALTHOUGH MSCI SHALL OBTAIN INFORMATION FOR INCLUSION IN OR FOR USE IN THE CALCULATION OF THE
MSCI INDEXES FROM SOURCES THAT MSCI CONSIDERS RELIABLE, NONE OF THE MSCI PARTIES WARRANTS OR GUARANTEES THE ORIGINALITY, ACCURACY AND/OR THE COMPLETENESS OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES MAKES ANY WARRANTY,
EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY THE ISSUER OF THE PRODUCT, OWNERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY, FROM THE USE OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES SHALL HAVE ANY LIABILITY FOR
ANY ERRORS, OMISSIONS OR INTERRUPTIONS OF OR IN CONNECTION WITH ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. FURTHER, NONE OF THE MSCI PARTIES MAKES ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, AND THE MSCI PARTIES HEREBY EXPRESSLY DISCLAIM ALL
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO EACH MSCI INDEX AND ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL ANY OF THE MSCI PARTIES HAVE ANY LIABILITY FOR ANY DIRECT,
INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR ANY OTHER DAMAGES (INCLUDING LOST PROFITS) EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. 
 No purchaser, seller or holder of the product, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this security
without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI.] 

 

	[4 	 The product is not sponsored, endorsed, sold or promoted by The NASDAQ OMX Group, Inc. or its affiliates (NASDAQ OMX, with its affiliates, are referred
to as the “Corporations”). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the product. The Corporations make no representation or warranty,
express or implied to the owners of the product or any member of the public regarding the advisability of investing in securities generally or in the product particularly, or the ability of the NASDAQ-100 Index® to track general stock market performance. The Corporations’ only relationship to Metropolitan Life Insurance
Company is in the licensing of the Nasdaq®, OMXTM, and NASDAQ-100 Index® registered trademarks, and certain trade names of the Corporations and the use of the NASDAQ-100 Index® is determined, composed and calculated by NASDAQ OMX without regard to Metropolitan Life Insurance Company or the product. NASDAQ OMX has no obligation to take the
needs of Metropolitan Life Insurance Company or the owners of the product into consideration in determining, composing or calculating the NASDAQ-100 Index®. The Corporations are not responsible for and have not participated in the determination of the timing of, prices
at, or quantities of the product to be issued or in the determination or calculation of the equation by which the product is to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of
the product. 


 THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED
CALCULATION OF THE NASDAQ-100 INDEX® OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY METROPOLITAN
LIFE INSURANCE COMPANY, OWNERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX® OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO
EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX®
OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY
OF SUCH DAMAGES.] 
  

	[5	
“Bloomberg®”, “Bloomberg
Commodity Index” are service marks of Bloomberg L.P. (“Bloomberg”) and have been licensed for use for certain purposes by Metropolitan Life Insurance Company. 



  

					
	ML-22495 (09/12)	 	[3G]	 	









 The product is not sponsored, endorsed, sold or promoted by Bloomberg,
UBS AG, UBS Securities LLC (“UBS Securities”) or any of their subsidiaries or affiliates. None of Bloomberg, UBS AG, UBS Securities or any of their subsidiaries or affiliates makes any representation or warranty, express or implied, to the
owners of or counterparties to the product or any member of the public regarding the advisability of investing in securities or commodities generally or in the product particularly. The only relationship of Bloomberg, UBS AG, UBS Securities or any
of their subsidiaries or affiliates to the Licensee is the licensing of certain trademarks, trade names and service marks and of the Bloomberg Commodity IndexSM, which is determined, composed and calculated by Bloomberg in conjunction with UBS Securities without regard to
Metropolitan Life Insurance Company or the product. Bloomberg and UBS Securities have no obligation to take the needs of Metropolitan Life Insurance Company or the owners of the product into consideration in determining, composing or calculating
Bloomberg Commodity IndexSM. None of Bloomberg, UBS AG,
UBS Securities or any of their respective subsidiaries or affiliates is responsible for or has participated in the determination of the timing of, prices at, or quantities of the product to be issued or in the determination or calculation of the
equation by which the product are to be converted into cash. None of Bloomberg, UBS AG, UBS Securities or any of their subsidiaries or affiliates shall have any obligation or liability, including, without limitation, to the product customers, in
connection with the administration, marketing or trading of the product. Notwithstanding the foregoing, UBS AG, UBS Securities and their respective subsidiaries and affiliates may independently issue and/or sponsor financial products unrelated to
the product currently being issued by Licensee, but which may be similar to and competitive with the product. In addition, UBS AG, UBS Securities and their subsidiaries and affiliates actively trade commodities, commodity indexes and commodity
futures (including the Bloomberg Commodity IndexSM), as
well as swaps, options and derivatives which are linked to the performance of such commodities, commodity indexes and commodity futures. It is possible that this trading activity will affect the value of the Bloomberg Commodity IndexSM and the product. 

NONE OF BLOOMBERG, UBS AG, UBS SECURITIES OR ANY OF THEIR SUBSIDIARIES OR AFFILIATES GUARANTEES THE ACCURACY AND/OR
THE COMPLETENESS OF THE BLOOMBERG COMMODITY INDEXSM OR ANY
DATA RELATED THERETO AND NONE OF BLOOMBERG, UBS AG, UBS SECURITIES OR ANY OF THEIR SUBSIDIARIES OR AFFILIATES SHALL HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS OR INTERRUPTIONS THEREIN. NONE OF BLOOMBERG, UBS AG, UBS SECURITIES OR ANY OF THEIR
SUBSIDIARIES OR AFFILIATES MAKES ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY METROPOLITAN LIFE INSURANCE COMPANY, OWNERS OF THE PRODUCT OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE BLOOMBERG COMMODITY INDEXSM OR ANY DATA RELATED THERETO. NONE OF BLOOMBERG, UBS AG, UBS
SECURITIES OR ANY OF THEIR SUBSIDIARIES OR AFFILIATES MAKES ANY EXPRESS OR IMPLIED WARRANTIES AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE BLOOMBERG COMMODITY INDEXSM OR ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING,
TO THE MAXIMUM EXTENT ALLOWED BY LAW, BLOOMBERG, ITS LICENSORS (INCLUDING UBS), AND ITS AND THEIR RESPECTIVE EMPLOYEES, CONTRACTORS, AGENTS, SUPPLIERS, AND VENDORS SHALL HAVE NO LIABILITY OR RESPONSIBILITY WHATSOEVER FOR ANY INJURY OR
DAMAGES—WHETHER DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, PUNITIVE OR OTHERWISE—ARISING IN CONNECTION WITH THE PRODUCT OR BLOOMBERG COMMODITY INDEXSM OR ANY DATA OR VALUES RELATING THERETO—WHETHER ARISING FROM THEIR NEGLIGENCE OR OTHERWISE, EVEN IF NOTIFIED OF
THE POSSIBILITY THEREOF. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS AMONG BLOOMBERG, UBS SECURITIES AND METROPOLITAN LIFE INSURANCE COMPANY, OTHER THAN UBS AG.] 

  

					
	ML-22495 (09/12)	 	[3H]	 	









 METROPOLITAN LIFE INSURANCE COMPANY 

[200 Park Avenue 

New York, NY 10166] 
 FIXED ACCOUNT RIDER 
 This Rider is part of the Contract to which it is attached and is
effective upon issuance. In the case of a conflict with any provision of the Contract, the provisions of this Rider will control. This Rider amends the Contract as follows: 
 DEFINITIONS 
 The following replaces the definition of “Account
Value” in the “Definitions” section: 
 Account Value 

Is the total of the Fixed Account Value and the value of the Shield Option(s) under this Contract, adjusted for any amounts that may be
included by rider during the Accumulation Period. Also referred to as “Contract Value.” 
 FIXED ACCOUNT - The
following is added to the Contract: 
 FIXED ACCOUNT PROVISIONS 

Fixed Account 
 We credit interest to the portion of the Account Value allocated to the Fixed Account. The Fixed Account is part of our General Account. We guarantee that the interest credited to any allocation to the
Fixed Account on the Issue Date will equal the Initial Interest Rate shown on the Contract Schedule. Thereafter, we will declare an interest rate as of each Contract Anniversary for the duration of the Interest Rate Term and such rate will not be
less than the Minimum Guaranteed Interest Rate. If the declared interest rate equals the Minimum Guaranteed Interest Rate, we reserve the right to restrict transfers and allocations into the Fixed Account if the Company is unable to support the
Minimum Guaranteed Interest Rate. 
 The initial Fixed Account Value is the amount initially allocated to the Fixed Account.
Thereafter, the Fixed Account Value equals: (a) the initial Fixed Account Value or the Fixed Account Value on the most recent Contract Anniversary, whichever is applicable, including any transfers; plus (b) any interest credited by us; less (c) the
amount of any withdrawals including any Withdrawal Charges; and less (d) any Premium or Other Taxes, if applicable. 

Interest Crediting Method 
 Interest will be compounded and credited to the Fixed Account at an annual effective interest rate declared by Us. Interest will be credited on amounts allocated to the Fixed Account through the effective
date such amounts are withdrawn or transferred from the Fixed Account. 
 Interest Rate Term 

The Interest Rate Term is the length of time over which the current interest rate is guaranteed. At the end of the Interest Rate Term, the
Fixed Account Value will automatically be renewed into the same Interest Rate Term, with the then current interest rate for such new term, unless otherwise directed by You. No Interest Rate Term will extend beyond the Annuity Date. 

PURCHASE PAYMENT PROVISIONS – Replace the first paragraph of the section entitled “Shield Options” with the
following: 
 Shield Options 
 On the Issue Date, you may allocate your Purchase Payment to one or more of the available Shield Options listed on the Contract Schedule and the Fixed Account. At the end of each Term or Interest Rate
Term, you may transfer the Account Value attributable to the Shield Option(s) or the Fixed Account to one or more of the available Shield Options or the Fixed Account (if available) subject to the Transfer Requirements and Minimum Allocation shown
on the Contract Schedule and the Renewal Provisions. 
 WITHDRAWAL PROVISIONS – The following will replace the
section entitled “Withdrawals” under “Withdrawal Provisions” with the following: 
 Prior to the Annuity
Date, you may, upon Notice to us, request a full or a partial withdrawal and we will withdraw that amount from the Account Value (“the amount withdrawn”). A withdrawal will result in a reduction to each Shield Option and the Fixed Account
in the ratio that each Shield Option and the Fixed Account bears to the total Account 

  
 ML-22496 (09/12) 








 
Value, as determined under the Account Value Provisions above, unless otherwise directed by you. The amount payable to you will be a net amount equal to the amount withdrawn adjusted for any
applicable Withdrawal Charge and Premium and Other Taxes. The Free Withdrawal Amount shown on the Contract Schedule defines the amount You may withdraw free from any Withdrawal Charge. 

The total amount withdrawn from the Account Value must not be less than the Minimum Partial Withdrawal amount shown on the Contract
Schedule. If the withdrawal would result in the remaining Account Value being less than the Minimum Account Value shown on the Contract Schedule, we will treat the withdrawal request as a request for a full withdrawal. 

If you request a full or partial withdrawal, the amount withdrawn after adjustments for any Withdrawal Charge will result in our

 paying you a net amount. The net amount payable to you is equal to (a)-(b)-(c), where: 

 

	 	(a)	is the amount withdrawn from the Account Value, and 

  

	 	(b)	is the Withdrawal Charge if any, as described on the Contract Schedule, and 


 

	 	(c)	is the Premium and Other Taxes, if any. 

 The amount withdrawn will reduce the Investment Amount, as defined in the Definitions section, for each Shield Option by the percentage reduction in the Interim Value of such Shield Option and the Fixed
Account Value as applicable. 
 DEATH BENEFIT PROVISIONS – The following will replace the first paragraph of the
section entitled “Non-Spousal Beneficiary Continuation During Accumulation Period” under “Death Benefit Provisions” with the following: 
 A Beneficiary who is not a spouse can choose to continue the Contract until the fifth anniversary of the Owner’s death. The Contract can be continued by a Beneficiary only if his or her share of the
death benefit is at least equal to the Contract Minimum specified on the Contract Schedule. If the Beneficiary continues the Contract under this provision his or her share will not be paid. It will instead be continued in the Contract on the date we
determine the Death Benefit Amount. Such Beneficiary will have the right to make partial and full withdrawals of his/her share of the Contract, not subject to Withdrawal Charges. Such Beneficiary will also have the right to make transfers at the end
of a Term or Interest Rate Term as described on the Contract Schedule. 
 DEFERRAL OF PAYMENTS – After receipt of a Notice of
withdrawal from you, we reserve the right to defer payment for a withdrawal for the period permitted by law but not for more than six (6) months. 
 Metropolitan Life Insurance Company has caused this Rider to be signed by its [Secretary]. 
  

	
	/s/ Timothy Ring
	[Secretary]



  
 ML-22496 (09/12) 








 METROPOLITAN LIFE INSURANCE COMPANY 

[200 Park Avenue 

New York, NY 10166] 
 DEATH BENEFIT RIDER – RETURN OF PREMIUM 
 This Rider forms a part of the Contract to
which it is attached and is effective upon the Issue Date. In case of a conflict with any provision in the Contract, the provisions of this Rider will control. Your election of this Rider is irrevocable. The following amends the “Death Benefit
Provisions” of the Contract as follows: 
 DEATH BENEFIT PROVISIONS 

Death Benefit Amount During The Accumulation Period 
 This provision is amended to provide that the Death Benefit Amount will be the greater of: 
  

	 	(1)	the Account Value; or 

  

	 	(2)	Purchase Payment, reduced proportionately by the percentage reduction in Account Value of the Shield Option(s) and the Fixed Account for each partial withdrawal.


 If a non-natural person owns the Contract, then the Annuitant shall be deemed to be the Owner for purposes of
determining the eligibility to purchase this Rider. 
 If the Owner is a natural person and the Owner is changed to someone
other than a spouse, the Death Benefit Amount shall be determined as defined above; however, subsection (2) shall be restated to provide as follows: “the Account Value as of the effective date of the change of Owner, reduced proportionately by
the percentage reduction in Account Value of the Shield Option(s) and the Fixed Account for each partial withdrawal made after such date”. 
 In the event that the Contract is continued under the “Spousal Continuation During Accumulation Period”, the Death Benefit Amount shall be determined in accordance with (1) or (2) above. Upon
contract continuation, the Account Value will be adjusted, if necessary, to an amount equal to the Death Benefit Amount. If an adjustment is needed, an amount equal to the excess of the Death Benefit Amount over the Account Value will be allocated
to the Fixed Account. 
 The Death Benefit Amount is determined as of the end of the Business Day on which we have received both
due proof of death and an election for the payment method. 
 However, if Fixed Account transfer and allocation restrictions are
in effect at the time this amount is allocated to the Fixed Account, then on the next Contract Anniversary, this amount (excluding interest earned on such amount) will be transferred out of the Fixed Account into the Shield Option with, in order of
priority, the shortest Term, the highest Shield Rate, and the lowest Cap Rate from the Shield Options available unless otherwise directed by You. 
 Death Benefit Rider Cost 
 The cost for this Rider will generally be
reflected in lower Cap and Step Rates for each Shield Option than if this Rider were not elected. The reduction in the Cap and Step Rates will not exceed the Return of Premium Death Benefit Maximum Cap or Step Rate Reduction, as shown on the
Contract Schedule, of the Cap and Step Rates that would have applied if this Death Benefit Rider was not selected. The Cap and Step Rate will never be less than the Minimum Guaranteed Cap/Step Rates shown on the Contract Schedule. 

Metropolitan Life Insurance Company has caused this Rider to be signed by its [Secretary]. 

 

	
	/s/ Timothy Ring
	[Secretary]



  
 ML-22497 (09/12)