# EDGAR Filing Document

**Accession Number:** 0000744043
**File Stem:** 0001193125-26-175561
**Filing Date:** 2026-4
**Character Count:** 207532
**Document Hash:** a31a2638736fd6a817ffe786d8f2f0cb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-175561.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001193125-26-175561

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 7

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**EFFECTIVENESS DATE**: 20260424

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** METROPOLITAN LIFE SEPARATE ACCOUNT E
- **CENTRAL INDEX KEY:** 0000744043

**ORGANIZATION NAME:**
- **EIN:** 135581829
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 002-90380
- **FILM NUMBER:** 26890798

**BUSINESS ADDRESS:**
- **STREET 1:** 200 PARK AVENUE
- **STREET 2:** C/O METROPOLITAN LIFE INSURANCE CO
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
- **BUSINESS PHONE:** 2125789500

**MAIL ADDRESS:**
- **STREET 1:** 200 PARK AVENUE
- **STREET 2:** C/O METROPOLITAN LIFE INSURANCE CO
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166

## Series and Classes Contracts Data

### METROPOLITAN LIFE SEPARATE ACCOUNT E (Series ID: S000001300)

| Class ID   | Class Name                                                                          | Ticker Symbol   |
|:---|:---|:---|
| C000003498 | Preference Plus® Account Variable Annuity Contracts (APPA)                          |  |
| C000003499 | Preference Plus® Account Variable Deferred and Income Annuity Contracts (BPPA)      |  |
| C000003500 | Financial Freedom Account Variable Annuity Contracts                                |  |
| C000003501 | Enhanced Preference Plus® Account Variable Annuity Contracts (EPPA)                 |  |
| C000003502 | Preference Plus® Account Variable Annuity Contracts (CPPA)                          |  |
| C000003505 | METROPOLITAN LIFE SEPARATE ACCOUNT E VESTMET Group and Individual Annuity Contracts |  |

April 27, 2026

**Updating Summary Prospectus For Investors in VESTMET Group and Individual Annuity Contracts** 

**Issued by Metropolitan Life Separate Account E of Metropolitan Life Insurance Company**

This Updating Summary Prospectus includes updating information about individual and group flexible premium VestMet contracts (the "Contracts") issued by Metropolitan Life Insurance Company ("MetLife," " the "Company," "we," "us" or "our").

There are variations of the VestMet Contract described in this Prospectus. There are three versions of the Contract referred to as the Variable Retirement Account 1 ("VAR 1"), Variable Retirement Account 2 ("VAR 2") and Variable Retirement Account 3 ("VAR 3," and together with VAR 1 and VAR 2, the "VAR Contracts"). There is also a version of the Contract referred to as an "Enhanced Contract." Unless otherwise noted, the term "Contracts" includes VAR Contracts and Enhanced Contracts.

The Prospectus for the Contracts contains more information about the Contracts, including features, benefits, and risks. You can find the current Prospectus and other information about the Contracts online at https://dfinview.com/metlife/PUFT/MET000205. You can also obtain this information at no cost by calling your Designated Office at (800) 560-5001, or by sending an email request to RCG@metlife.com. Not all Portfolios are available under all Contracts and You should refer to your Contract and other information provided to you for a list of available Portfolios.

Additional information about certain investment products, including variable annuity contracts, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**We do not guarantee how any of the Divisions or Portfolios will perform. Interests in the Separate Account, the Portfolios and the Fixed Interest Account are not deposits or obligations of, or insured or guaranteed by, the U.S. Government, any bank or other depository institution including the Federal Deposit Insurance Corporation ("FDIC"), the Federal Reserve Board or any other agency or entity or person. MetLife's obligations under the Contract are subject to its financial strength and claims-paying ability.**

**The Securities and Exchange Commission ("SEC") has not approved or disapproved the Contract or determined that this Prospectus is adequate or complete. Any representation to the contrary is a criminal offense.**

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#xx_6caaf61c-3d2d-4ae3-bc20-d861e99df547_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_6caaf61c-3d2d-4ae3-bc20-d861e99df547_1) | 3  |
| [APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_b334e99b-fab2-4495-9a5f-b48562f268e7_1) | A-1 |

---

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**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since You last received the Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since You entered into your Contract:

● For changes in the names of certain Portfolios and any other changes to the Portfolios please refer to Appendix A.

● For updated Portfolio expense information please refer to "Important Information You Should Consider About the Contract" and Appendix A.

● For updated Portfolio performance information please refer to Appendix A.

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** 

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| | | |
|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are there Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** If You withdraw money from the Contract before 8 years <br> following your Contract effective date, You may be assessed a <br> Withdrawal Charge (sometimes referred to herein as a "surrender <br> charge") of up to 7% of the amount withdrawn. This Withdrawal <br> Charge doesn't apply to the Enhanced Contracts or the VAR <br> Contracts and is currently being waived for all other Contracts.<br> For example, if You make an early withdrawal, You could pay a <br> Withdrawal Charge of up to $7,000 on a $100,000 withdrawal. | Fees |
| **Are there Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **No.** There are no transaction charges, other than the VAR Contracts, <br> which may have assessed a charge for certain transactions, such as <br> when You make a purchase payment, assign a portion of your <br> Contract, receive an income payment or make a withdrawal. All of <br> these charges are currently being waived. | Fees |

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&nbsp;&nbsp;&nbsp;&nbsp;**FEES, EXPENSES AND ADJUSTMENTS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

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&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RESTRICTIONS** **LOCATION IN** **PROSPECTUS** 

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&nbsp;&nbsp;&nbsp;&nbsp;**TAXES** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**CONFLICTS OF INTEREST** **LOCATION IN** **PROSPECTUS** 

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**APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is a list of Portfolios available. More information about the Portfolios Companies is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/metlife/PUFT/MET000205. You can also request this information at no cost by calling (800) 560-5001, by sending an email request to RCG@metlife.com, or through your registered representative. Not all Portfolios are available under all Contracts. You should refer to your Contract and other information provided to you for the portfolios available under your Contract. For the VAR Contracts the only portfolio available is the Brighthouse/Wellington Large Cap Research Portfolio.

The current expenses and performance information below reflects fees and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio's past performance is not necessarily an indication of future performance. <br>

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Fixed Income | &nbsp;&nbsp;&nbsp; BlackRock Bond Income Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; BlackRock Ultra-Short Term Bond Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.37% | 4.15% | 3.09% | 2.10% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Balanced Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Large Cap Research <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.54% | 15.91% | 12.30% | 13.62% |
| US Equity | &nbsp;&nbsp;&nbsp; Frontier Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Frontier Capital Management <br> Company, LLC<br>| 0.69% | 5.16% | 3.79% | 10.15% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Stock Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.27% | 17.59% | 14.13% | 14.53% |

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\*

The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.

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**Fixed Option** 

The following is information on the Fixed Interest Account currently available under the Contract, except for the VAR Contracts. The Fixed Interest Account is not available to the VAR Contracts. We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account when the yield on investments is not expected to support the Minimum Guaranteed Interest Rate. We will provide you with written notice before doing so.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | &nbsp;&nbsp;&nbsp; **Minimum Guaranteed**<br> **Interest Rate**<br>|
| Fixed Interest Account | &nbsp;&nbsp;&nbsp; **Initial Interest Rate Term:** begins on <br> each calendar quarter and will be <br> credited from the date amounts are <br> allocated to the Fixed Interest <br> Account until the last day of the same <br> calendar quarter of the following year.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Renewal Rate Term: 12 months<br>| 3% |

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![](g136879metlife_logo.jpg)

This Updating Summary Prospectus incorporates by reference all of the information contained in the Prospectus and the Statement of Additional Information, which are dated the same date as this Updating Summary Prospectus, and which are legally part of this Updating Summary Prospectus. You can obtain the Prospectus and Statement of Additional Information, without charge, by calling your Designated Office at (800) 560-5001, by going online at https://dfinview.com/metlife/PUFT/MET000205, or by sending an email request to RCG@metlife.com. For Division transfers and purchase payment reallocations, for current information about your Contract Values, to change or update Contract information such as your billing address, billing mode, Beneficiary or ownership, for information about other Contract transactions, and to ask questions about your Contract, You may call your Designated Office at (800) 560-5001.

Managing your annuity contract just got easier. We're excited to share our enhanced website with You. Login or register today at **online.metlife.com** and enjoy a more convenient way to manage your contract and sign-up for eDelivery!

EDGAR ID: C000003505

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April 27, 2026

**Updating Summary Prospectus For Investors in Preference Plus**<sup>®</sup> **Account Variable Annuity Contracts (APPA)** 

**Issued by Metropolitan Life Separate Account E of Metropolitan Life Insurance Company**

This Updating Summary Prospectus includes updating information about individual and group Preference Plus Account Contracts for deferred variable annuities ("Deferred Annuities") and Preference Plus immediate variable income annuities ("Income Annuities") (the Deferred Annuities and Income Annuities are also referred to herein as the "Contract") issued by Metropolitan Life Insurance Company ("MetLife" ," the "Company," "we," "us" or "our").

The Prospectus for the Contracts contains more information about the Contracts, including features, benefits, and risks. You can find the current Prospectus and other information about the Contracts online at https://dfinview.com/metlife/PUFT/MET000200. You can also obtain this information at no cost by calling our Administrative Office at (800) 560-5001, or by sending an email request to RCG@metlife.com. As noted in Appendix A below, if your annuity was issued in connection with an employer plan, not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.

Additional information about certain investment products, including variable annuity contracts, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**We do not guarantee how any of the Divisions or Portfolios will perform. Interests in the Separate Account, the Portfolios and the Fixed Interest Account are not deposits or obligations of, or insured or guaranteed by, the U.S. Government, any bank or other depository institution including the Federal Deposit Insurance Corporation ("FDIC"), the Federal Reserve Board or any other agency or person. MetLife's obligations under the Contract are subject to its financial strength and claims-paying ability.**

**The Securities and Exchange Commission ("SEC") has not approved or disapproved the Contractor determined that this Prospectus is adequate or complete. Any representation to the contrary is a criminal offense.**

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#xx_6d115c95-9824-41cd-998b-ccf2b986c10b_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_6d115c95-9824-41cd-998b-ccf2b986c10b_1) | 3  |
| [IMPORTANT TERMS YOU SHOULD KNOW](#xx_32065000-f958-4013-9851-01b3c098aa20_1) | 7  |
| [APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_365643bc-deb7-4ea8-9bf8-583ca26dccb7_1) | A-1 |

---

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**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since You last received the Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since You entered into your Contract:

● For changes in the names of certain Portfolios and any other changes to the Portfolios please refer to Appendix A.

● For updated Portfolio expense information please refer to "Important Information You Should Consider About the Contract" and Appendix A.

● For updated Portfolio performance information please refer to Appendix A.

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** 

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are there Charges or** <br> **Adjustments for Early** <br> **Withdrawals?** <br>| &nbsp;&nbsp; **Yes.** Withdrawal charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> An Early Withdrawal Charge of up to 7% may be assessed on any <br> such purchase payment paid less than 8 years before the date of the <br> withdrawal.<br> For example, if you purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay an Early <br> Withdrawal Charge of up to $7,000. | &nbsp;&nbsp; **Yes.** Withdrawal charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> An Early Withdrawal Charge of up to 7% may be assessed on any <br> such purchase payment paid less than 8 years before the date of the <br> withdrawal.<br> For example, if you purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay an Early <br> Withdrawal Charge of up to $7,000. | &nbsp;&nbsp; **Yes.** Withdrawal charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> An Early Withdrawal Charge of up to 7% may be assessed on any <br> such purchase payment paid less than 8 years before the date of the <br> withdrawal.<br> For example, if you purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay an Early <br> Withdrawal Charge of up to $7,000. | Fees |
| **Are there Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **No.** We do not charge a fee for transfers of Account Value among <br> Divisions or between the Divisions and the Fixed Interest Account. | &nbsp;&nbsp; **No.** We do not charge a fee for transfers of Account Value among <br> Divisions or between the Divisions and the Fixed Interest Account. | &nbsp;&nbsp; **No.** We do not charge a fee for transfers of Account Value among <br> Divisions or between the Divisions and the Fixed Interest Account. | Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay each year, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay *each year* based on the investment options You <br> have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay each year, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay *each year* based on the investment options You <br> have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay each year, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay *each year* based on the investment options You <br> have elected. | Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | **Annual Fee** | **Minimum** | **Maximum** | Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | Base Contract | 1.29%<sup>(1)</sup> <br>| 1.29%<sup>(1)</sup> <br>| Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | Portfolio fees and expenses | 0.27%<sup>(2)</sup> <br>| 1.28%<sup>(2)</sup> <br>| Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your total Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.04% for the Annual <br> Contract Fee. For the Non-Qualified, Traditional IRA, Roth IRA <br> and SEP Deferred Annuities, You pay a $20 annual fee from the <br> Fixed Interest Account at the end of each Contract Year if your <br> Account Value is less than $20,000 and You are not enrolled in <br> an automatic payment program. For the SIMPLE IRA Deferred <br> Annuity, You pay a $20 annual fee from the Fixed Interest <br> Account at the end of each Contract Year if your Account Value <br> is less than $20,000 and You do not make a purchase payment <br> during the Contract Year.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolios. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your total Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.04% for the Annual <br> Contract Fee. For the Non-Qualified, Traditional IRA, Roth IRA <br> and SEP Deferred Annuities, You pay a $20 annual fee from the <br> Fixed Interest Account at the end of each Contract Year if your <br> Account Value is less than $20,000 and You are not enrolled in <br> an automatic payment program. For the SIMPLE IRA Deferred <br> Annuity, You pay a $20 annual fee from the Fixed Interest <br> Account at the end of each Contract Year if your Account Value <br> is less than $20,000 and You do not make a purchase payment <br> during the Contract Year.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolios. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your total Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.04% for the Annual <br> Contract Fee. For the Non-Qualified, Traditional IRA, Roth IRA <br> and SEP Deferred Annuities, You pay a $20 annual fee from the <br> Fixed Interest Account at the end of each Contract Year if your <br> Account Value is less than $20,000 and You are not enrolled in <br> an automatic payment program. For the SIMPLE IRA Deferred <br> Annuity, You pay a $20 annual fee from the Fixed Interest <br> Account at the end of each Contract Year if your Account Value <br> is less than $20,000 and You do not make a purchase payment <br> during the Contract Year.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolios. | Fees |

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&nbsp;&nbsp;&nbsp;&nbsp;**FEES, EXPENSES AND ADJUSTMENTS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

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&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RESTRICTIONS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**TAXES** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**CONFLICTS OF INTEREST** **LOCATION IN** **PROSPECTUS** 

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| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Should I Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer You a new contract in place of the one You own. You should only <br> exchange your Contract if You determine, after comparing the <br> features, fees, and risks of both contracts, and any fees or penalties <br> to terminate the existing Contract, that it is better for you to <br> purchase the new contract rather than continue to own your existing <br> Contract. | Exchanges/Transfers |

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**IMPORTANT TERMS YOU SHOULD KNOW**

**Account Value** **, Account Balance or Contract Value** — When You purchase a Deferred Annuity, an account is set up for You. Your Account Value (also referred to as Account Balance or Contract Value) is the total amount of money in your Deferred Annuity including money in the Divisions of the Separate Account and the Fixed Interest Account.

**Accumulation Unit Value** — With a Deferred Annuity, money paid-in or transferred into a Division of the Separate Account is credited to You in the form of Accumulation Units. Accumulation Units are established for each Division. We determine the value of these Accumulation Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios. In addition to the investment performance of the Portfolios, the deduction of the Separate Account charge also affects a Division's Accumulation Unit Value.

**Administrative Office** — Our Administrative Office varies based on the type of service request or transaction that you are making. The most recent correspondence or quarterly statement sent to you will have the address and telephone number that you can use to contact us for specific transactions and requests. We will notify you if there are changes to this information.

**Annuitant** – The natural person whose life is the measure for determining the duration and the dollar amount of income payments, sometimes referred to as the measuring life.

**Annuity Unit Value** — With a variable Pay-Out Option, the money paid-in or reallocated into a Division of the Separate Account is held in the form of Annuity Units. Annuity Units are established for each Division. We determine the value of these Annuity Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios, the experience factor for the current valuation period, the daily AIR factor and the Separate Account charge.

**Assumed Investment Return (AIR)** — Under an Income Annuity or variable Pay-Out Option, the AIR is the assumed percentage rate of return used to determine the amount of the first variable income payment. The AIR is also the benchmark that is used to calculate the investment performance of a given Division to determine all subsequent payments to You.

**Beneficiary** – The person or persons designated to receive any benefits under a Contract if an Owner or Annuitant, as applicable, dies.

**Contract** — A Contract is the legal agreement between You and MetLife or between MetLife and the employer, plan trustee or other entity, or the certificate issued to You under a group annuity contract. The Contract contains relevant provisions of your Deferred Annuity or Income Annuity.

**Contract Owner** — The person(s) or entity entitled to ownership rights under this Contract. If Joint Owners are named, all references to Contract Owner shall mean Joint Owners.

**Contract Year** — Generally, the Contract Year for a Deferred Annuity is the period ending on the last day of the month in which the anniversary of when we issued the annuity occurs and each following 12-month period.

**Deferred Annuity** — This term is used throughout this Prospectus when we are referring to the Deferred Annuities.

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**Divisions** — Divisions are subdivisions of the Separate Account. When You allocate a purchase payment, transfer money or make reallocations of your Account Balance to a Division, the Division purchases shares of a Portfolio (with the same name).

**Early Withdrawal Charge** — The Early Withdrawal Charge is an amount we deduct from your Account Value if You withdraw money prematurely from a Deferred Annuity. This charge is often referred to as a deferred sales load or back-end sales load.

**Exchange** — The New York Stock Exchange is referred to as the "Exchange."

**Good Order** — A request or transaction generally is considered in "Good Order" if it complies with our administrative procedures, and the required information is complete and accurate. A request or transaction may be rejected or delayed if not in Good Order. Good Order generally means the actual receipt by our Administrative Office of the instructions relating to the requested transaction in writing (or, when permitted, by telephone, facsimile (also referred to as "fax"), email or internet) along with all forms, information and supporting legal documentation necessary to effect the transaction. This information and documentation generally includes to the extent applicable to the transaction: your completed application; your Contract number; the transaction amount (in dollars or percentage terms); the names and allocations to and/or from the Divisions affected by the requested transaction; the signatures of all Contract Owners (exactly as indicated on the Contract), if necessary; Social Security Number or Tax I.D.; and any other information or supporting documentation that we may require, including any spousal or Joint Owner's consents. With respect to purchase payments, Good Order also generally includes receipt by us of sufficient funds to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirement at any time. If You have any questions, You should contact us or your sales representative (where applicable) before submitting the form or request.

**Income Annuity** — This term is used througout this Prospectus when we are referring to the Income Annuities.

**MetLife** — MetLife is Metropolitan Life Insurance Company, which is the company that issues the Deferred Annuities and Income Annuities. Throughout this Prospectus, MetLife is also referred to as the "Company," "we," "us" or "our."

**Pay-Out Options/Income Options** — These are options that You may elect when You convert your Contract into a regular stream of income after your "pay-in" or "accumulation" phase. The pay-out phase is often referred to as either "annuitizing" your Contract or taking an Income Annuity.

**Separate Account** — Metropolitan Life Separate Account E ("Separate Account") is an investment account. All assets contributed to Divisions under the Deferred Annuities and Income Annuities are pooled in the Separate Account and maintained for the benefit of investors in Deferred Annuities and Income Annuities.

**Variable Annuity** — An annuity with respect to which returns/income payments are based upon the performance of investments such as stocks and bonds held by one or more underlying Portfolios. You assume the investment risk for any amounts allocated to the Divisions in a Variable Annuity.

**You** — In this Prospectus, depending on the context, "You" may mean either the purchaser of the Deferred Annuity or Income Annuity, the Annuitant under an Income Annuity or the participant or Annuitant under certain group arrangements.

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**APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is a list of Portfolios currently available. More information about the Portfolios are available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/metlife/PUFT/MET000200. You can also request this information at no cost by calling (800) 560-5001, by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits You choose, You may not be able to invest in certain Portfolios as described below. If your annuity was issued in connection with an employer plan, You should check with your employer as to which Portfolios are available under your Contract.

The current expenses and performance information below reflects fees and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may include. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance. <br>

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.58% | 20.24% | 13.37% | 17.97% |
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth-Income Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Global Equity | &nbsp;&nbsp;&nbsp; American Funds SMALLCAP World Fund<sup>®</sup>\*†† - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.90% | 14.64% | 0.49% | 7.23% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; American Funds The Bond Fund of America\* - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.47% | 7.26% | -0.14% | 2.36% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Aggressive Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.99% | 19.90% | 9.30% | 10.88% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Balanced Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.96% | 17.02% | 7.26% | 8.99% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Moderate Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.95% | 14.46% | 5.71% | 7.30% |
| International Equity | &nbsp;&nbsp;&nbsp; Baillie Gifford International Stock Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Baillie Gifford Overseas Limited<br>| 0.74% | 19.31% | 0.96% | 7.62% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; BlackRock Bond Income Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.38% | 7.95% | -0.17% | 2.38% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; BlackRock Capital Appreciation Portfolio\* - <br> Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.71% | 13.02% | 10.90% | 15.63% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 100 Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.71% | 17.41% | 8.91% | 10.97% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 20 Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 9.47% | 2.32% | 4.22% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 40 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 11.75% | 4.10% | 5.95% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 60 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 13.96% | 5.80% | 7.73% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 80 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 15.91% | 7.42% | 9.49% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Artisan Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Artisan Partners Limited <br> Partnership<br>| 0.78% | 1.82% | 7.04% | 8.32% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Brighthouse/Franklin Low Duration Total Return <br> Portfolio\* - Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Franklin Advisers, Inc.<br>| 0.75% | 5.25% | 2.14% | 2.23% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Balanced Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Core Equity Opportunities <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Large Cap Research <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.54% | 15.91% | 12.30% | 13.62% |
| Sector | &nbsp;&nbsp;&nbsp; CBRE Global Real Estate Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: CBRE Investment Management <br> Listed Real Assets LLC<br>| 0.81% | 6.94% | 4.15% | 4.06% |
| US Equity | &nbsp;&nbsp;&nbsp; Frontier Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Frontier Capital Management <br> Company, LLC<br>| 0.69% | 5.16% | 3.79% | 10.15% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| International Equity | &nbsp;&nbsp;&nbsp; Harris Oakmark International Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Harris Associates L.P.<br>| 0.87% | 32.98% | 6.56% | 6.84% |
| Global Equity | &nbsp;&nbsp;&nbsp; Invesco Global Equity Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.58% | 15.88% | 7.56% | 11.28% |
| US Equity | &nbsp;&nbsp;&nbsp; Invesco Small Cap Growth Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.89% | 5.93% | -0.81% | 9.11% |
| US Equity | &nbsp;&nbsp;&nbsp; Jennison Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Jennison Associates LLC<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| Allocation | &nbsp;&nbsp;&nbsp; Loomis Sayles Global Allocation Portfolio\* - <br> Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 1.04% | 12.59% | 6.25% | 9.22% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.55% | 15.21% | 15.06% | 14.19% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Core Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.90% | 5.29% | 7.44% | 9.43% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.89% | 4.03% | 2.54% | 10.12% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; MetLife Aggregate Bond Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.26% | 7.04% | -0.64% | 1.75% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Mid Cap Stock Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 7.19% | 8.81% | 10.43% |
| International Equity | &nbsp;&nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.37% | 31.02% | 8.62% | 8.04% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Russell 2000<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 12.66% | 5.99% | 9.55% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Stock Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.27% | 17.59% | 14.13% | 14.53% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| International Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Research International Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Allocation | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Total Return Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.77% | 10.94% | 6.26% | 7.49% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.73% | 13.11% | 9.95% | 10.10% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\*§ - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.58% | 13.29% | 10.11% | 10.27% |
| US Equity | &nbsp;&nbsp;&nbsp; Morgan Stanley Discovery Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Morgan Stanley Investment <br> Management Inc.<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| US Equity | &nbsp;&nbsp;&nbsp; Neuberger Berman Genesis Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Neuberger Berman Investment <br> Advisers LLC<br>| 0.81% | -4.57% | 2.86% | 9.12% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Inflation Protected Bond Portfolio - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 1.28% | 7.84% | 1.26% | 3.19% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Total Return Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderate ETF Portfolio - Class E <br> (formerly known as SSGA Growth and Income ETF <br> Portfolio - Class E)<br> Brighthouse Investment Advisers, LLC<br> Subadviser: SSGA Funds Management, Inc.<br>| 0.65% | 16.93% | 7.30% | 7.96% |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderately Aggressive ETF Portfolio - <br> Class E (formerly known as SSGA Growth ETF <br> Portfolio - Class E)<br> Brighthouse Investment Advisers, LLC<br> Subadviser: SSGA Funds Management, Inc.<br>| 0.68% | 19.29% | 9.11% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Large Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.56% | 15.70% | 9.64% | 14.39% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc. is the <br> subadviser<br> T. Rowe Price Investment Management, Inc. is <br> the sub-subadviser<br>| 0.70% | 3.75% | 4.08% | 10.05% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Small Cap Growth Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| US Equity | &nbsp;&nbsp;&nbsp; Victory Sycamore Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Victory Capital Management, Inc.<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management Strategic Bond <br> Opportunities Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management U.S. Government <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.50% | 7.07% | 0.59% | 1.82% |

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§

Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.

\*

The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.

††

Effective May 1, 2026, the American Funds Global Small Capitalization Fund changed its name to American Funds SMALLCAP World Fund<sup>®</sup>.

**Index Selector:** If You elect the Index Selector You are limited to allocating your purchase payments and Account Balance among the following investment options and the Fixed Interest Account:

MetLife Aggregate Bond Index <br>MetLife Stock Index <br>MetLife MSCI EAFE<sup>®</sup> Index <br>MetLife Russell 2000<sup>®</sup> Index <br>MetLife Mid Cap Stock Index

**The Equity Generator**<sup>®</sup> **and The Equalizer** <sup>SM</sup>**:** In addition to the Fixed Interest Account these Automated Strategies may also use the:

MetLife Stock Index <br>Frontier Mid Cap Growth

**Fixed Option**

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The following is information on the Fixed Interest Account currently available under the Contract. We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account when the yield on investments is not expected to support the Minimum Guaranteed Interest Rate. We will provide you with written notice before doing so.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate**\* |
| Fixed Interest Account | &nbsp;&nbsp;&nbsp; **Initial Interest Rate Term:** begins on <br> each calendar quarter and will be <br> credited from the date amounts are <br> allocated to the Fixed Interest <br> Account until the last day of the same <br> calendar quarter of the following year.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Renewal Rate Term: 12 months<br>| 3% |

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\*

The Minimum Guaranteed Interest Rate Varies by Contract and may be higher than the minimum guaranteed interest rate shown. Check your Contract for the Minimum Guaranteed Interest Rate that applies to your Fixed Interest Account Option.

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![](g179647metlife_logo.jpg)

This Updating Summary Prospectus incorporates by reference all of the information contained in the Prospectus and the Statement of Additional Information, which are dated the same date as this Updating Summary Prospectus and which are legally part of this Updating Summary Prospectus. You can obtain the Prospectus and Statement of Additional Information, without charge, by calling our Administrative Office at (800) 560-5001, by going online at https://dfinview.com/metlife/PUFT/MET000200, or by sending an email request to RCG@metlife.com. For Division transfers and purchase payment reallocations, for current information about your Contract Values, to change or update Contract information such as your billing address, billing mode, Beneficiary or ownership, for information about other Contract transactions, and to ask questions about your Contract, You may call our Administrative Office at (800) 560-5001.

Managing your variable annuity contract just got easier. We're excited to share our enhanced website with You. Login or register today at **online.metlife.com** and enjoy a more convenient way to manage your contract and sign-up for eDelivery!

EDGAR ID: C000003498

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April 27, 2026

**Updating Summary Prospectus For Investors in Preference Plus**<sup>®</sup> **Account Variable Deferred and Income Annuity Contracts (BPPA)** 

**Issued by Metropolitan Life Separate Account E of**

**Metropolitan Life Insurance Company**

This Updating Summary Prospectus includes updating information about individual and group Preference Plus<sup>®</sup> Account Contracts for deferred variable annuities ("Deferred Annuities") and Preference Plus<sup>®</sup> immediate variable income annuities ("Income Annuities") (also referred to herein as the "Contract") issued by Metropolitan Life Insurance Company ("MetLife," the "Company," "we," "us" or "our").

The Prospectus for the Contracts contains more information about the Contracts, including features, benefits, and risks. You can find the current Prospectus and other information about the Contracts online at https://dfinview.com/metlife/PUFT/MET000235. You can also obtain this information at no cost by calling our Administrative Office at (833) 642-1008, or by sending an email request to RCG@metlife.com. Not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.

Additional information about certain investment products, including variable annuity contracts, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**We do not guarantee how any of the Divisions or Portfolios will perform. Interests in the Separate Account, the Portfolios and the Fixed Interest Account are not deposits or obligations of, or insured or guaranteed by, the U.S. Government, any bank or other depository institution including the Federal Deposit Insurance Corporation ("FDIC"), the Federal Reserve Board or any other agency or entity or person. MetLife's obligations under the Contract are subject to its financial strength and claims-paying ability.**

**The Securities and Exchange Commission ("SEC") has not approved or disapproved the Contract or determined that this Prospectus is adequate or complete. Any representation to the contrary is a criminal offense.**

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#xx_8f670b5e-5f9f-4f3a-a0c9-7b4a4afa46b4_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_8f670b5e-5f9f-4f3a-a0c9-7b4a4afa46b4_1) | 3  |
| [IMPORTANT TERMS YOU SHOULD KNOW](#xx_546c83a5-3b76-4009-8f26-a0052d82cd6e_1) | 7  |
| [APPENDIX A](#xx_f09bfc9d-3f67-4e86-994e-39cc872cda20_1)[—](#xx_f09bfc9d-3f67-4e86-994e-39cc872cda20_1)[INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_f09bfc9d-3f67-4e86-994e-39cc872cda20_1) | A-1 |

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**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since You last received the Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since You entered into your Contract:

● For changes in the names of certain Portfolios and any other changes to the Portfolios please refer to Appendix A.

● For updated Portfolio expense information please refer to "Important Information You Should Consider About the Contract" and Appendix A.

● For updated Portfolio performance information please refer to Appendix A.

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** 

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|:---|:---|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are there Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** Withdrawal Charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> A Withdrawal Charge of up to 7.00% may be assessed on any such <br> purchase payment paid into the Deferred Annuity less than 8 years <br> before the date of its withdrawal.<br> For example, if You purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay a <br> Withdrawal Charge of up to $7,000. | &nbsp;&nbsp; **Yes.** Withdrawal Charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> A Withdrawal Charge of up to 7.00% may be assessed on any such <br> purchase payment paid into the Deferred Annuity less than 8 years <br> before the date of its withdrawal.<br> For example, if You purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay a <br> Withdrawal Charge of up to $7,000. | &nbsp;&nbsp; **Yes.** Withdrawal Charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> A Withdrawal Charge of up to 7.00% may be assessed on any such <br> purchase payment paid into the Deferred Annuity less than 8 years <br> before the date of its withdrawal.<br> For example, if You purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay a <br> Withdrawal Charge of up to $7,000. | Charges |
| **Are there Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** You may be charged for transactions such as transferring <br> Account Value among Divisions and between the Divisions and the <br> Fixed Interest Account. Loans will incur a $75 loan initiation fee. <br> The Loan Maintenance Fee is $50. Loan fees may be waived or <br> reduced for certain Plans. | &nbsp;&nbsp; **Yes.** You may be charged for transactions such as transferring <br> Account Value among Divisions and between the Divisions and the <br> Fixed Interest Account. Loans will incur a $75 loan initiation fee. <br> The Loan Maintenance Fee is $50. Loan fees may be waived or <br> reduced for certain Plans. | &nbsp;&nbsp; **Yes.** You may be charged for transactions such as transferring <br> Account Value among Divisions and between the Divisions and the <br> Fixed Interest Account. Loans will incur a $75 loan initiation fee. <br> The Loan Maintenance Fee is $50. Loan fees may be waived or <br> reduced for certain Plans. | Charges |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay each year, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the options You have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay each year, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the options You have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay each year, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the options You have elected. | Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | **Annual Fee** | **Minimum** | **Maximum** | Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | Base Contract | 1.25%<sup>(1)</sup> <br>| 1.25%<sup>(1)</sup> <br>| Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | Portfolio fees and expenses | 0.27%<sup>(2)</sup> <br>| 1.28%<sup>(2)</sup> <br>| Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.03% for the Annual <br> Contract Fee. For all Contracts, except certain TSA Deferred <br> Annuities, You pay a $20 annual fee from the Fixed Interest <br> Account at the end of each Contract Year, if your Account Value <br> is less than $10,000 and if You do not make purchase payments <br> during the year.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolio. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.03% for the Annual <br> Contract Fee. For all Contracts, except certain TSA Deferred <br> Annuities, You pay a $20 annual fee from the Fixed Interest <br> Account at the end of each Contract Year, if your Account Value <br> is less than $10,000 and if You do not make purchase payments <br> during the year.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolio. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.03% for the Annual <br> Contract Fee. For all Contracts, except certain TSA Deferred <br> Annuities, You pay a $20 annual fee from the Fixed Interest <br> Account at the end of each Contract Year, if your Account Value <br> is less than $10,000 and if You do not make purchase payments <br> during the year.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolio. | Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; Because your Contract is customizable, the choices You make affect <br> how much You will pay. To help understand the cost of owning your <br> Contract, the following table shows the lowest and highest cost You <br> could pay each year, based on current charges. This estimate <br> assumes that You do not take withdrawals from the Contract, which <br> could add Withdrawal Charges that substantially increase costs. | &nbsp;&nbsp; Because your Contract is customizable, the choices You make affect <br> how much You will pay. To help understand the cost of owning your <br> Contract, the following table shows the lowest and highest cost You <br> could pay each year, based on current charges. This estimate <br> assumes that You do not take withdrawals from the Contract, which <br> could add Withdrawal Charges that substantially increase costs. | &nbsp;&nbsp; Because your Contract is customizable, the choices You make affect <br> how much You will pay. To help understand the cost of owning your <br> Contract, the following table shows the lowest and highest cost You <br> could pay each year, based on current charges. This estimate <br> assumes that You do not take withdrawals from the Contract, which <br> could add Withdrawal Charges that substantially increase costs. | Fees |

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&nbsp;&nbsp;&nbsp;&nbsp;**FEES, EXPENSES AND ADJUSTMENTS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

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&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RESTRICTIONS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**TAXES** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**CONFLICTS OF INTEREST** **LOCATION IN** **PROSPECTUS** 

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|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Should I Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer You a new contract in place of the one You own. You should only <br> exchange your Contract if You determine, after comparing the <br> features, fees, and risks of both contracts, and any fees or penalties <br> to terminate the existing Contract, that it is better for You to <br> purchase the new contract rather than continue to own your existing <br> Contract. | Exchanges/Transfers |

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**IMPORTANT TERMS YOU SHOULD KNOW**

**Account Value, Account Balance or Contract Value** — When You purchase a Deferred Annuity, an account is set up for You. Your Account Value (also referred to as Account Balance or Contract Value) is the total amount of money in your Deferred Annuity including money in the Divisions of the Separate Account and the Fixed Interest Account.

**Accumulation Unit Value** — With a Deferred Annuity, money paid-in or transferred into a Division of the Separate Account is credited to You in the form of Accumulation Units. Accumulation Units are established for each Division. We determine the value of these Accumulation Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios. In addition to the investment performance of the Portfolios, the deduction of the Separate Account charge also affects a Division's Accumulation Unit Value.

**Administrative Office** — Our Administrative Office varies based on the type of service request or transaction that You are making. The most recent correspondence or quarterly statement sent to You will have the address and telephone number that You can use to contact us for specific transactions and requests. We will notify You if there are changes to this information.

**Annuitant** – The natural person whose life is the measure for determining the duration and the dollar amount of income payments, sometimes referred to as the measuring life.

**Annuity Unit Value** — With a variable Pay-Out Option, the money paid-in or reallocated into a Division of the Separate Account is held in the form of Annuity Units. Annuity Units are established for each Division. We determine the value of these Annuity Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios, the experience factor for the current valuation period, the daily AIR and the Separate Account charge.

**Assumed Investment Return (AIR)** — Under an Income Annuity or variable Pay-Out Option, the AIR is the assumed percentage rate of return used to determine the amount of the first variable income payment. The AIR is also the benchmark that is used to calculate the investment performance of a given Division to determine all subsequent payments to You.

**Beneficiary** – The person or persons who receive any benefits under a Contract in the event the Contract Owner or Annuitant, as applicable, dies.

**Contract** — A Contract is the legal agreement between You and MetLife or between MetLife and the employer, plan trustee or other entity, or the certificate issued to You under a group annuity contract. The Contract contains relevant provisions of your Deferred Annuity or Income Annuity.

**Contract Owner** — The person(s) or entity entitled to ownership rights under this Contract.

**Contract Year** — Generally, the Contract Year for a Deferred Annuity is the period ending on the last day of the month in which the anniversary of when we issued the annuity occurs and each following 12-month period. However, depending on underwriting and plan requirements, the first Contract Year may range from the initial three to fifteen months after the Deferred Annuity is issued.

**Deferred Annuity** — This term is used throughout this Prospectus when we are referring to Preference Plus Account Contracts for flexible contribution deferred variable annuities.

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**Divisions** — Divisions are subdivisions of the Separate Account. When You allocate a purchase payment, transfer money or make reallocations of your Account Balance to a Division, the Division purchases shares of a Portfolio (with the same name).

**Early Withdrawal Charge** **or Withdrawal Charge** — The Early Withdrawal Charge is an amount we deduct from your Account Value if You withdraw money prematurely from a Deferred Annuity. This charge is often referred to as a deferred sales load or back-end sales load.

**Exchange** — In this Prospectus, the New York Stock Exchange is referred to as the "Exchange."

**Free Look** — You may cancel your Contract within a certain time period. This is known as a "Free Look." We must receive your request to cancel in writing by the appropriate day in your state, which varies from state to state. The time period may also vary depending on your age and whether You purchased your Contract from us directly, through the mail or with money from another annuity or life insurance policy. Depending on state law, we may refund (i) all of your purchase payments (and any interest credited by the Fixed Interest Account, if applicable) or (ii) your Account Value as of the date your refund request is received at our Administrative Office in Good Order (this means You bear the risk of any decline in the value of your Contract due to the performance of the Divisions during the Free Look period).

**Good Order** — A request or transaction generally is considered in "Good Order" if it complies with our administrative procedures, and the required information is complete and accurate. A request or transaction may be rejected or delayed if not in Good Order. Good Order generally means the actual receipt by our Administrative Office of the instructions relating to the requested transaction in writing (or, when permitted, by telephone, facsimile (also referred to as "fax"), email or internet) along with all forms, information and supporting legal documentation necessary to effect the transaction. This information and documentation generally includes to the extent applicable to the transaction: your completed application; your Contract number; the transaction amount (in dollars or percentage terms); the names and allocations to and/or from the Divisions affected by the requested transaction; the signatures of all Contract Owners (exactly as indicated on the Contract), if necessary; Social Security Number or Tax I.D.; and any other information or supporting documentation that we may require, including any spousal consents. With respect to purchase payments, Good Order also generally includes receipt by us of sufficient funds to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirement at any time. If You have any questions, You should contact us or your sales representative (where applicable) before submitting the form or request.

**Income Annuity** — An annuity where the pay-out phase begins within 12 months of the date the Contract is issued.

**MetLife** — MetLife is Metropolitan Life Insurance Company, which is the company that issues the Deferred Annuities and Income Annuities. Throughout this Prospectus, MetLife is also referred to as the "Company," "we," "us" or "our."

**Pay-Out Options/Income Options** — These are options that You may elect when You convert your Contract into a regular stream of income after your "pay-in" or "accumulation" phase. The pay-out phase is often referred to as either "annuitizing" your Contract or taking an income annuity.

**Separate Account** — Metropolitan Life Separate Account E ("Separate Account") is an investment account. All assets contributed to Divisions under the Deferred Annuities and Income Annuities are pooled in the Separate Account and maintained for the benefit of investors in Deferred Annuities and Income Annuities.

**Variable Annuity** — An annuity with respect to which returns/income payments are based upon the performance of investments such as stocks and bonds held by one or more underlying Portfolios. You assume the investment risk for any amounts allocated to the Divisions in a Variable Annuity.

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**You** — In this Prospectus, depending on the context, "You" may mean either the owner of the Deferred Annuity or Income Annuity, the Annuitant under an Income Annuity or the participant or Annuitant under certain group arrangements. In cases where we are referring to giving instructions or making payments to us for public employee deferred compensation Contracts under Section 457(b) governmental arrangements ("PEDC"), Section 451 deferred fee arrangements, Section 451 deferred compensation plans, Section 457(f) deferred compensation plans, Section 457(e)(11) severance and death benefit plans, Section 415(m) qualified governmental excess benefit arrangements, annuities funding 401(k), 401(a), 403(a) plans and the Tax Shelered Annuities ("TSAs") under which the employer retains certain rights, "You" means the employer. Under PEDC, Section 451 deferred fee arrangements, Section 451 deferred compensation plans, Section 457(f) deferred compensation plans, Section 457(e)(11) severance and death benefit plans, Section 415(m) qualified governmental excess benefit arrangements, annuities funding certain 403(a), 401(k) and 401(a) plans and TSAs where the participant or Annuitant is allowed to choose among investment choices, "You" means the participant or Annuitant who is giving us instructions about the investment choices. In connection with a 403(b) plan termination, as of the date of the Contract or cash distribution under such plan termination, "You" means the participant who has received such Contract or cash distribution. The terms "TSA" and "403(b)" are synonymous wherever they appear in this Prospectus and Statement of Additional Information.

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**APPENDIX A — INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is a list of Portfolios currently available. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/metlife/PUFT/MET000235. You can also request this information at no cost by calling (833) 642-1008 , by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits You choose, You may not be able to invest in certain Portfolios, as described below. If your annuity was issued in connection with an employer plan, You should check with your employer as to which Portfolios are available under your Contract.

The current expenses and performance information below reflects fees and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance.

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| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.58% | 20.24% | 13.37% | 17.97% |
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth-Income Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Global Equity | &nbsp;&nbsp;&nbsp; American Funds SMALLCAP World Fund<sup>®</sup>\*†† - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.90% | 14.64% | 0.49% | 7.23% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; American Funds The Bond Fund of America\* - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.47% | 7.26% | -0.14% | 2.36% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Aggressive Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.99% | 19.90% | 9.30% | 10.88% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Balanced Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.96% | 17.02% | 7.26% | 8.99% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Moderate Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.95% | 14.46% | 5.71% | 7.30% |
| International Equity | &nbsp;&nbsp;&nbsp; Baillie Gifford International Stock Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Baillie Gifford Overseas Limited<br>| 0.74% | 19.31% | 0.96% | 7.62% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; BlackRock Bond Income Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| US Equity | &nbsp;&nbsp;&nbsp; BlackRock Capital Appreciation Portfolio\* - <br> Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.71% | 13.02% | 10.90% | 15.63% |

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| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 100 Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.71% | 17.41% | 8.91% | 10.97% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 20 Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 9.47% | 2.32% | 4.22% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 40 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 11.75% | 4.10% | 5.95% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 60 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 13.96% | 5.80% | 7.73% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 80 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 15.91% | 7.42% | 9.49% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Artisan Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Artisan Partners Limited <br> Partnership<br>| 0.78% | 1.82% | 7.04% | 8.32% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Brighthouse/Franklin Low Duration Total Return <br> Portfolio\* - Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Franklin Advisers, Inc.<br>| 0.75% | 5.25% | 2.14% | 2.23% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Balanced Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Core Equity Opportunities <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Large Cap Research <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.54% | 15.91% | 12.30% | 13.62% |
| Sector | &nbsp;&nbsp;&nbsp; CBRE Global Real Estate Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: CBRE Investment Management <br> Listed Real Assets LLC<br>| 0.81% | 6.94% | 4.15% | 4.06% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2020 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.69% | 12.99% | 4.57% | 7.11% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2025 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.71% | 14.23% | 5.25% | 7.75% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2030 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.74% | 15.16% | 5.98% | 8.61% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2035 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.78% | 16.42% | 7.28% | 9.72% |

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|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2040 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.82% | 18.44% | 8.73% | 10.59% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2045 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.53% | 9.16% | 10.82% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2050 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.50% | 9.15% | 10.81% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2055 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.53% | 9.16% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2060 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.53% | 9.17% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2065 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.52% | 9.16% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2070 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.59% | —  | —  |
| US Equity | &nbsp;&nbsp;&nbsp; Frontier Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Frontier Capital Management <br> Company, LLC<br>| 0.69% | 5.16% | 3.79% | 10.15% |
| International Equity | &nbsp;&nbsp;&nbsp; Harris Oakmark International Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Harris Associates L.P.<br>| 0.87% | 32.98% | 6.56% | 6.84% |
| Global Equity | &nbsp;&nbsp;&nbsp; Invesco Global Equity Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.58% | 15.88% | 7.56% | 11.28% |
| US Equity | &nbsp;&nbsp;&nbsp; Invesco Small Cap Growth Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.89% | 5.93% | -0.81% | 9.11% |
| US Equity | &nbsp;&nbsp;&nbsp; Jennison Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Jennison Associates LLC<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| Allocation | &nbsp;&nbsp;&nbsp; Loomis Sayles Global Allocation Portfolio\* - <br> Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 1.04% | 12.59% | 6.25% | 9.22% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.55% | 15.21% | 15.06% | 14.19% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Core Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.90% | 5.29% | 7.44% | 9.43% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.89% | 4.03% | 2.54% | 10.12% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; MetLife Aggregate Bond Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.26% | 7.04% | -0.64% | 1.75% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Mid Cap Stock Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 7.19% | 8.81% | 10.43% |
| International Equity | &nbsp;&nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.37% | 31.02% | 8.62% | 8.04% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Russell 2000<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 12.66% | 5.99% | 9.55% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Stock Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.27% | 17.59% | 14.13% | 14.53% |
| International Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Research International Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Allocation | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Total Return Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.77% | 10.94% | 6.26% | 7.49% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.73% | 13.11% | 9.95% | 10.10% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\*§ - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.58% | 13.29% | 10.11% | 10.27% |
| US Equity | &nbsp;&nbsp;&nbsp; Morgan Stanley Discovery Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Morgan Stanley Investment <br> Management Inc.<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| US Equity | &nbsp;&nbsp;&nbsp; Neuberger Berman Genesis Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Neuberger Berman Investment <br> Advisers LLC<br>| 0.81% | -4.57% | 2.86% | 9.12% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Inflation Protected Bond Portfolio - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 1.28% | 7.84% | 1.26% | 3.19% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Total Return Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 0.58% | 9.21% | 0.19% | 2.55% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderate ETF Portfolio - Class E <br> (formerly known as SSGA Growth and Income ETF <br> Portfolio - Class E)<br> Brighthouse Investment Advisers, LLC<br> Subadviser: SSGA Funds Management, Inc.<br>| 0.65% | 16.93% | 7.30% | 7.96% |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderately Aggressive ETF Portfolio - <br> Class E (formerly known as SSGA Growth ETF <br> Portfolio - Class E)<br> Brighthouse Investment Advisers, LLC<br> Subadviser: SSGA Funds Management, Inc.<br>| 0.68% | 19.29% | 9.11% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Large Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc. is the <br> subadviser<br> T. Rowe Price Investment Management, Inc. is <br> the sub-subadviser<br>| 0.70% | 3.75% | 4.08% | 10.05% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Small Cap Growth Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| US Equity | &nbsp;&nbsp;&nbsp; Victory Sycamore Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Victory Capital Management, Inc.<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management Strategic Bond <br> Opportunities Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management U.S. Government <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.50% | 7.07% | 0.59% | 1.82% |

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\*

The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.

§

Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.

††

Effective May 1, 2026, the American Funds Global Small Capitalization Fund changed its name to American Funds SMALLCAP World Fund<sup>®</sup>.

**Index Selector**: If You elect the Index Selector You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:

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MetLife Aggregate Bond Index <br>MetLife Stock Index <br>MetLife MSCI EAFE Index <br>MetLife Russell 2000 Index <br>MetLife Mid Cap Stock Index

**The Equity Generator**<sup>®</sup> **and The Equalizer** <sup>SM</sup>: In addition to the Fixed Interest Account these Automated Strategies may also use the:

MetLife Stock Index Division <br>Frontier Mid Cap Growth Division

**Fixed Option** 

The following is information on the Fixed Interest Account currently available under the Contract. We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account when the yield on investments is not expected to support the Minimum Guaranteed Interest Rate. We will provide you with written notice before doing so.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | &nbsp;&nbsp;&nbsp; **Minimum Guaranteed**<br> **Interest Rate\***<br>|
| Fixed Interest Account | &nbsp;&nbsp;&nbsp; **Initial Interest Rate Term:** begins on <br> each calendar quarter and will be <br> credited from the date amounts are <br> allocated to the Fixed Interest <br> Account until the last day of the same <br> calendar quarter of the following year.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> **Renewal Rate Term:** 12 months<br>| 3% |

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\*

The Minimum Guaranteed Interest Rate Varies by Contract and may be higher than the minimum guaranteed interest rate shown. Check your Contract for the Minimum Guaranteed Interest Rate that applies to your Fixed Interest Account Option.

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![](g168331metlife_logo.jpg)

This Updating Summary Prospectus incorporates by reference all of the information contained in the Prospectus and the Statement of Additional Information, which have the same date as this Updating Summary Prospectus, and which are legally part of this Updating Summary Prospectus. You can obtain the Prospectus and Statement of Additional Information, without charge, by calling our Administrative Office at (833) 642-1008, by going online at https://dfinview.com/metlife/PUFT/MET000235, or by sending an email request to RCG@metlife.com. For Division transfers and purchase payment reallocations, for current information about your Contract Values, to change or update Contract information such as your billing address, billing mode, Beneficiary or ownership, for information about other Contract transactions, and to ask questions about your Contract, You may call our Administrative Office at (833) 642-1008.

Managing your variable annuity contract just got easier. We're excited to share our enhanced website with You. Login or register today at **online.metlife.com** and enjoy a more convenient way to manage your Contract and sign-up for eDelivery!

EDGAR ID: C000003499

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April 27, 2026

**Updating Summary Prospectus For Investors in Preference Plus**<sup>®</sup> **Account Variable Annuity Contracts (CPPA)** 

**Issued by Metropolitan Life Separate Account E of Metropolitan Life Insurance Company**

This Updating Summary Prospectus includes updating information about the individual and group Preference Plus Account Contracts for deferred variable annuities ("Deferred Annuities") and Preference Plus immediate variable income annuities ("Income Annuities") (the Deferred Annuities and Income Annuities are also referred to herein as "the Contract") issued by Metropolitan Life Insurance Company ("MetLife," the "Company," "we," "us" or "our").

The Prospectus for the Contracts contains more information about the Contracts, including features, benefits, and risks. You can find the current Prospectus and other information about the Contracts online at https://dfinview.com/metlife/PUFT/MET000202. You can also obtain this information at no cost by calling our Administrative Office at (800) 560-5001, or by sending an email request to RCG@metlife.com. If your annuity was issued in connection with an employer plan, not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.

Additional information about certain investment products, including variable annuity contracts, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**We do not guarantee how any of the Divisions or Portfolios will perform. Interests in the Separate Account, the Portfolios and the Fixed Interest Account are not deposits or obligations of, or insured or guaranteed by, the U.S. Government, any bank or other depository institution including the Federal Deposit Insurance Corporation ("FDIC"), the Federal Reserve Board or any other agency or person. MetLife's obligations under the Contract are subject to its financial strength and claims-paying ability.**

**The Securities and Exchange Commission ("SEC") has not approved or disapproved the Contract or determined that this Prospectus is adequate or complete. Any representation to the contrary is a criminal offense.**

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#xx_12bd2bee-f6cd-466f-8ae2-d0d93f08905d_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_12bd2bee-f6cd-466f-8ae2-d0d93f08905d_1) | 3  |
| [IMPORTANT TERMS YOU SHOULD KNOW](#xx_9f237d68-c9bc-4c6c-adb3-22573a63ca3a_1) | 7  |
| [APPENDIX A](#xx_44047886-b071-4597-b253-9d3d35cac877_1)[—](#xx_44047886-b071-4597-b253-9d3d35cac877_1)[INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_44047886-b071-4597-b253-9d3d35cac877_1) | A-1 |

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**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since You last received the Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since You entered into your Contract:

● For changes in the names of certain Portfolios and any other changes to the Portfolios please refer to Appendix A.

● For updated Portfolio expense information please refer to "Important Information You Should Consider About the Contract" and Appendix A.

● For updated Portfolio performance information please refer to Appendix A.

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** 

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are there Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** Withdrawal charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> An Early Withdrawal Charge of up to 7% may be assessed on any <br> such purchase payment paid less than 8 years before the date of the <br> withdrawal.<br> For example, if you purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay an Early <br> Withdrawal Charge of up to $7,000. | &nbsp;&nbsp; **Yes.** Withdrawal charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> An Early Withdrawal Charge of up to 7% may be assessed on any <br> such purchase payment paid less than 8 years before the date of the <br> withdrawal.<br> For example, if you purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay an Early <br> Withdrawal Charge of up to $7,000. | &nbsp;&nbsp; **Yes.** Withdrawal charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> An Early Withdrawal Charge of up to 7% may be assessed on any <br> such purchase payment paid less than 8 years before the date of the <br> withdrawal.<br> For example, if you purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay an Early <br> Withdrawal Charge of up to $7,000. | Fees |
| **Are there Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **No.** We do not charge a fee for transfers of Account Value among <br> Divisions or between the Divisions and the Fixed Interest Account.<br> Loans will be charged an initial set-up fee and a loan maintenance <br> fee. The Loan Initiation Fee is $75. The Loan Maintenance Fee is <br> $50. | &nbsp;&nbsp; **No.** We do not charge a fee for transfers of Account Value among <br> Divisions or between the Divisions and the Fixed Interest Account.<br> Loans will be charged an initial set-up fee and a loan maintenance <br> fee. The Loan Initiation Fee is $75. The Loan Maintenance Fee is <br> $50. | &nbsp;&nbsp; **No.** We do not charge a fee for transfers of Account Value among <br> Divisions or between the Divisions and the Fixed Interest Account.<br> Loans will be charged an initial set-up fee and a loan maintenance <br> fee. The Loan Initiation Fee is $75. The Loan Maintenance Fee is <br> $50. | Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the investment options You <br> have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the investment options You <br> have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the investment options You <br> have elected. | Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | **Annual Fee** | **Minimum** | **Maximum** | Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | Base Contract | 0.97%<sup>(1)</sup> <br>| 0.97%<sup>(1)</sup> <br>| Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | Portfolio fees and expenses | 0.27%<sup>(2)</sup> <br>| 0.98%<sup>(2)</sup> <br>| Fees |
| **Are there Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your total Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.02% for the Annual <br> Contract Fee. The Annual Contract Fee is $20 annually and is <br> charged only against amounts in the Fixed Interest Account. <br> The Annual Contract Fee may be waived under certain <br> circumstances.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolios. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your total Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.02% for the Annual <br> Contract Fee. The Annual Contract Fee is $20 annually and is <br> charged only against amounts in the Fixed Interest Account. <br> The Annual Contract Fee may be waived under certain <br> circumstances.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolios. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your total Account Balance in the Separate <br> Account. The Base Contract Fee includes 0.02% for the Annual <br> Contract Fee. The Annual Contract Fee is $20 annually and is <br> charged only against amounts in the Fixed Interest Account. <br> The Annual Contract Fee may be waived under certain <br> circumstances.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolios. | Fees |

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&nbsp;&nbsp;&nbsp;&nbsp;**FEES, EXPENSES AND ADJUSTMENTS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;Because yourContractis customizable, the choicesYoumake affecthow muchyouwill pay. To help understand the cost of owning yourContract, the following table shows the lowest and highest costYoucould pay*each year*, based on current charges. This estimateassumes thatYoudo not take withdrawals from theContract,**which** **could add Early Withdrawal Charges that substantially increase** **costs**. Fees

&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

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&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RESTRICTIONS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**TAXES** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**CONFLICTS OF INTEREST** **LOCATION IN** **PROSPECTUS** 

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| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Should I Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer You a new contract in place of the one You own. You should only <br> exchange your Contract if You determine, after comparing the <br> features, fees, and risks of both Contracts, and any fees or penalties <br> to terminate the existing contract, that it is better for you to <br> purchase the new contract rather than continue to own your existing <br> Contract. | Exchanges/Transfers |

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**IMPORTANT TERMS YOU SHOULD KNOW**

**Account Value, Account Balance or Contract Value** — When You purchase a Deferred Annuity, an account is set up for You. Your Account Value (also referred to as Account Balance or Contract Value) is the total amount of money in your Deferred Annuity including money in the Divisions of the Separate Account and the Fixed Interest Account.

**Accumulation Unit Value** — With a Deferred Annuity, money paid-in or transferred into a Division of the Separate Account is credited to You in the form of Accumulation Units. Accumulation Units are established for each Division. We determine the value of these Accumulation Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios. In addition to the investment performance of the Portfolios, the deduction of the Separate Account charge also affects a Division's Accumulation Unit Value.

**Administrative Office** — Our Administrative Office varies based on the type of service request or transaction that you are making. The most recent correspondence or quarterly statement sent to you will have the address and telephone number that you can use to contact us for specific transactions and requests. We will notify you if there are changes to this information.

**Annuitant** – The natural person whose life is the measure for determining the duration and the dollar amount of income payments, sometimes referred to as the measuring life.

**Annuity Unit Value** — With a variable Pay-Out Option, the money paid-in or reallocated into a Division of the Separate Account is held in the form of Annuity Units. Annuity Units are established for each Division. We determine the value of these Annuity Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios, the experience factor for the current valuation period, the daily AIR factor and the Separate Account charge.

**Assumed Investment Return (AIR)** — Under an Income Annuity or variable Pay-Out Option, the AIR is the assumed percentage rate of return used to determine the amount of the first variable income payment. The AIR is also the benchmark that is used to calculate the investment performance of a given Division to determine all subsequent payments to You.

**Beneficiary** — The person or persons designated to receive any benefits under a Contract if an Owner or Annuitant, as applicable, dies.

**Contract** — A Contract is the legal agreement between You and MetLife or between MetLife and the employer, plan trustee or other entity, or the certificate issued to You under a group annuity contract. The Contract contains relevant provisions of your Deferred Annuity or Income Annuity.

**Contract Owner** — The person(s) or entity entitled to ownership rights under this Contract. If Joint Owners are named, all references to Contract Owner shall mean Joint Owners.

**Contract Year** — Generally, the Contract Year for a Deferred Annuity is the period ending on the last day of the month in which the anniversary of when we issued the annuity occurs and each following 12-month period. However, for the unallocated Keogh Deferred Annuity depending on underwriting and plan requirements, the first Contract Year may range from the initial three to 15 month period after the Contracts is issued.

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**Deferred Annuity** — This term is used throughout this Prospectus when we are referring to the Deferred Annuities.

**Divisions** — Divisions are subdivisions of the Separate Account. When You allocate a purchase payment, transfer money or make reallocations of your Account Balance to a Division, the Division purchases shares of a Portfolio (with the same name).

**Early Withdrawal Charge** — The Early Withdrawal Charge is an amount we deduct from your Account Value if You withdraw money prematurely from a Deferred Annuity. This charge is often referred to as a deferred sales load or back-end sales load.

**Exchange** — The New York Stock Exchange is referred to as the "Exchange."

**Good Order** — A request or transaction generally is considered in "Good Order" if it complies with our administrative procedures, and the required information is complete and accurate. A request or transaction may be rejected or delayed if not in Good Order. Good Order generally means the actual receipt by our Administrative Office of the instructions relating to the requested transaction in writing (or, when permitted, by telephone, facsimile (also referred to as "fax"), email or internet) along with all forms, information and supporting legal documentation necessary to effect the transaction. This information and documentation generally includes to the extent applicable to the transaction: your completed application; your Contract number; the transaction amount (in dollars or percentage terms); the names and allocations to and/or from the Divisions affected by the requested transaction; the signatures of all Contract Owners (exactly as indicated on the Contract), if necessary; Social Security Number or Tax I.D.; and any other information or supporting documentation that we may require, including any spousal or Joint Owner's consents. With respect to purchase payments, Good Order also generally includes receipt by us of sufficient funds to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirement at any time. If You have any questions, You should contact us or your sales representative (where applicable) before submitting the form or request.

**Income Annuity** — This term is used throughout this Prospectus when we are referring to Pay-Out Options or Income Options.

**MetLife** — MetLife is Metropolitan Life Insurance Company, which is the company that issues the Deferred Annuities and Income Annuities. Throughout this Prospectus, MetLife is also referred to as the "Company," "we," "us" or "our."

**Pay-Out Options/Income Options** — This term is used throughout this Prospectus when we are referring to the options available when electing to enter the pay-out phase of the Contract. The pay-out phase is often referred to as either "annuitizing" your Contract or taking an Income Annuity.

**Separate Account** — Metropolitan Life Separate Account E ("Separate Account") is an investment account. All assets contributed to Divisions under the Deferred Annuities and Income Annuities are pooled in the Separate Account and maintained for the benefit of investors in Deferred Annuities and Income Annuities.

**Variable Annuity** — An annuity with respect to which returns/income payments are based upon the performance of investments such as stocks and bonds held by one or more underlying Portfolios. You assume the investment risk for any amounts allocated to the Divisions in a Variable Annuity.

**You** — In this Prospectus, depending on the context, "You" may mean either the purchaser of the Deferred Annuity or Income Annuity, the Annuitant under an Income Annuity or the participant or Annuitant under certain group

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arrangements. In cases where we are referring to giving instructions or making payments to us for the unallocated Keogh Deferred Annuity, "You" means the trustee of the Keogh plan.

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**APPENDIX A — INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is a list of Portfolios currently available. More information about the Portfolios are available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/metlife/PUFT/MET000202. You can also request this information at no cost by calling (800) 560-5001, by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolios, as described below. If your annuity was issued in connection with an employer plan, you should check with your employer as to which Portfolios are available under your Contract.

The current expenses and performance information below reflects fees and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may include. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance. <br>

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.58% | 20.24% | 13.37% | 17.97% |
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth-Income Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Global Equity | &nbsp;&nbsp;&nbsp; American Funds SMALLCAP World Fund<sup>®</sup>\*†† - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.90% | 14.64% | 0.49% | 7.23% |
| International Equity | &nbsp;&nbsp;&nbsp; Baillie Gifford International Stock Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Baillie Gifford Overseas Limited<br>| 0.74% | 19.31% | 0.96% | 7.62% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; BlackRock Bond Income Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| US Equity | &nbsp;&nbsp;&nbsp; BlackRock Capital Appreciation Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.56% | 13.19% | 11.07% | 15.80% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 100 Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.71% | 17.41% | 8.91% | 10.97% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 20 Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 9.47% | 2.32% | 4.22% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 40 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 11.75% | 4.10% | 5.95% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 60 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 13.96% | 5.80% | 7.73% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 80 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 15.91% | 7.42% | 9.49% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Artisan Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Artisan Partners Limited <br> Partnership<br>| 0.78% | 1.82% | 7.04% | 8.32% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Brighthouse/Franklin Low Duration Total Return <br> Portfolio\* - Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Franklin Advisers, Inc.<br>| 0.75% | 5.25% | 2.14% | 2.23% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Balanced Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Core Equity Opportunities <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Large Cap Research <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.54% | 15.91% | 12.30% | 13.62% |
| Sector | &nbsp;&nbsp;&nbsp; CBRE Global Real Estate Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: CBRE Investment Management <br> Listed Real Assets LLC<br>| 0.66% | 7.11% | 4.30% | 4.22% |
| US Equity | &nbsp;&nbsp;&nbsp; Frontier Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Frontier Capital Management <br> Company, LLC<br>| 0.69% | 5.16% | 3.79% | 10.15% |
| International Equity | &nbsp;&nbsp;&nbsp; Harris Oakmark International Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Harris Associates L.P.<br>| 0.72% | 33.17% | 6.72% | 7.01% |
| Global Equity | &nbsp;&nbsp;&nbsp; Invesco Global Equity Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.58% | 15.88% | 7.56% | 11.28% |
| US Equity | &nbsp;&nbsp;&nbsp; Invesco Small Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.74% | 6.17% | -0.66% | 9.27% |
| US Equity | &nbsp;&nbsp;&nbsp; Jennison Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Jennison Associates LLC<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.55% | 15.21% | 15.06% | 14.19% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Core Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.90% | 5.29% | 7.44% | 9.43% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.89% | 4.03% | 2.54% | 10.12% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; MetLife Aggregate Bond Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.26% | 7.04% | -0.64% | 1.75% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Mid Cap Stock Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 7.19% | 8.81% | 10.43% |
| International Equity | &nbsp;&nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.37% | 31.02% | 8.62% | 8.04% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Russell 2000<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 12.66% | 5.99% | 9.55% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Stock Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.27% | 17.59% | 14.13% | 14.53% |
| International Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Research International Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Allocation | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Total Return Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.62% | 11.11% | 6.42% | 7.65% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.58% | 13.29% | 10.11% | 10.27% |
| US Equity | &nbsp;&nbsp;&nbsp; Morgan Stanley Discovery Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Morgan Stanley Investment <br> Management Inc.<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| US Equity | &nbsp;&nbsp;&nbsp; Neuberger Berman Genesis Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Neuberger Berman Investment <br> Advisers LLC<br>| 0.81% | -4.57% | 2.86% | 9.12% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Total Return Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Large Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc. is the <br> subadviser<br> T. Rowe Price Investment Management, Inc. is <br> the sub-subadviser<br>| 0.70% | 3.75% | 4.08% | 10.05% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Small Cap Growth Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| US Equity | &nbsp;&nbsp;&nbsp; Victory Sycamore Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Victory Capital Management, Inc.<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management Strategic Bond <br> Opportunities Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management U.S. Government <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.50% | 7.07% | 0.59% | 1.82% |

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\*

The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.

††

Effective May 1, 2026, the American Funds Global Small Capitalization Fund changed its name to American Funds SMALLCAP World Fund<sup>®</sup>.

**Index Selector**: If You elect the Index Selector You are limited to allocating your purchase payments and Account Balance among the following investment options and the Fixed Interest Account:

MetLife Aggregate Bond Index <br>MetLife Stock Index <br>MetLife MSCI EAFE<sup>(R)</sup> Index <br>MetLife Russell 2000<sup>(R)</sup> Index <br>MetLife Mid Cap Stock Index

**The Equity Generator**<sup>®</sup> **and The Equalizer** <sup>SM</sup>: In addition to the Fixed Interest Account these Automated Strategies may also use the:

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MetLife Stock Index <br>Frontier Mid Cap Growth

**Fixed Option** 

The following is information on the Fixed Interest Account currently available under the Contract. We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account when the yield on investments is not expected to support the Minimum Guaranteed Interest Rate. We will provide you with written notice before doing so.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | &nbsp;&nbsp;&nbsp; **Minimum Guaranteed Interest** <br> **Rate\***<br>|
| Fixed Interest Account | &nbsp;&nbsp;&nbsp; **Initial Interest Rate Term:** begins on <br> each calendar quarter and will be <br> credited from the date amounts are <br> allocated to the Fixed Interest <br> Account until the last day of the same <br> calendar quarter of the following year.<br> Renewal Rate Term: 12 months<br>| 3% |

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**\***The Minimum Guaranteed Interest Rate Varies by Contract and may be higher than the minimum guaranteed interest rate shown. Check your Contract for the Minimum Guaranteed Interest Rate that applies to your Fixed Interest Account Option.

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![](g146561metlife_logo.jpg)

This Updating Summary Prospectus incorporates by reference all of the information contained in the Prospectus and the Statement of Additional Information which have the same date as this Updating Summary Prospectus and which are legally part of this Updating Summary Prospectus. You can obtain the Prospectus and Statement of Additional Information, without charge, by calling our Administrative Office at (800) 560-5001, by going online at https://dfinview.com/metlife/PUFT/MET000202, or by sending an email request to RCG@metlife.com. For Division transfers and purchase payment reallocations, for current information about your Contract Values, to change or update Contract information such as your billing address, billing mode, Beneficiary or ownership, for information about other Contract transactions, and to ask questions about your Contract, You may call our Administrative Office at (800) 560-5001.

Managing your variable annuity contract just got easier. We're excited to share our enhanced website with You. Login or register today at **online.metlife.com** and enjoy a more convenient way to manage your contract and sign-up for eDelivery!

EDGAR ID: C000003502

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April 27, 2026

**Updating Summary Prospectus For Investors in Enhanced Preference Plus**<sup>®</sup> **Account Variable Annuity Contracts (EPPA)** <br>**Issued by Metropolitan Life Separate Account E of** <br>**Metropolitan Life Insurance Company**

This Updating Summary Prospectus includes updating information about group Enhanced Preference Plus<sup>®</sup> Account Contracts for deferred variable annuities ("Enhanced Deferred Annuities") and Enhanced Preference<sup>®</sup> Plus immediate variable income annuities ("Enhanced Income Annuities") (also referred to herein as the "Contract" or "Contracts") issued by Metropolitan Life Insurance Company ("Metlife," the "Company," "we," "us" or "our).

The Prospectus for the Contracts contains more information about the Contracts, including features, benefits, and risks. You can find the current prospectus and other information about the Contracts online at dfinview.com/metlife/PUFT/MET000209. You can also obtain this information at no cost by calling our Administrative Office at (833) 642-1008, or by sending an email request to RCG@metlife.com. Not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.

Additional information about certain investment products, including variable annuity contracts, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**We do not guarantee how any of the Divisions or Portfolios will perform. Interests in the Separate Account, Portfolios and the Fixed Interest Account are not deposits or obligations of, or insured or guaranteed by, the U.S. Government, any bank or other depository institution including the Federal Deposit Insurance Corporation ("FDIC"), the Federal Reserve Board or any other agency or entity or person. MetLife's obligations under the Contract are subject to its financial strength and claims-paying ability.**

**The Securities and Exchange Commission ("SEC") has not approved or disapproved the Contract or determined that this Prospectus is adequate or complete. Any representation to the contrary is a criminal offense.**

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#xx_6ea49384-f2b3-4d28-988e-d816edd9c5d8_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_6ea49384-f2b3-4d28-988e-d816edd9c5d8_1) | 3  |
| [IMPORTANT TERMS YOU SHOULD KNOW](#xx_681bb36c-9463-4e9d-95c0-2f2c91fb8eac_1) | 7  |
| [APPENDIX A](#xx_ab071251-25bd-490f-85ea-c4b31b554d2a_1)[—](#xx_ab071251-25bd-490f-85ea-c4b31b554d2a_1)[INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_ab071251-25bd-490f-85ea-c4b31b554d2a_1) | A-1 |

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**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since You last received the Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since You entered into your Contract:

● For changes in the names of certain Portfolios and any other changes to the Portfolios please refer to Appendix A.

● For updated Portfolio expense information please refer to "Important Information You Should Consider About the Contract" and Appendix A.

● For updated Portfolio performance information please refer to Appendix A.

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** 

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** | **FEES, EXPENSES AND ADJUSTMENTS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are There Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** Withdrawal Charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> A Withdrawal Charge of up to 7.00% may be assessed on any such <br> purchase payment paid less than 8 years before the date of its <br> withdrawal.<br> For example, if You purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay a <br> Withdrawal Charge of $7,000. | &nbsp;&nbsp; **Yes.** Withdrawal Charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> A Withdrawal Charge of up to 7.00% may be assessed on any such <br> purchase payment paid less than 8 years before the date of its <br> withdrawal.<br> For example, if You purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay a <br> Withdrawal Charge of $7,000. | &nbsp;&nbsp; **Yes.** Withdrawal Charges are calculated as a percentage of each <br> purchase payment funding the withdrawal during the pay-in phase. <br> A Withdrawal Charge of up to 7.00% may be assessed on any such <br> purchase payment paid less than 8 years before the date of its <br> withdrawal.<br> For example, if You purchase the Contract for $100,000 and <br> surrender your Contract during the first year, You will pay a <br> Withdrawal Charge of $7,000. | Fees |
| **Are There Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** Loans will be charged an initial set-up fee and a loan <br> maintenance fee (these fees may be waived or reduced for certain <br> Plans). The Loan Initiation Fee is $75. The Loan Maintenance Fee is <br> $50. | &nbsp;&nbsp; **Yes.** Loans will be charged an initial set-up fee and a loan <br> maintenance fee (these fees may be waived or reduced for certain <br> Plans). The Loan Initiation Fee is $75. The Loan Maintenance Fee is <br> $50. | &nbsp;&nbsp; **Yes.** Loans will be charged an initial set-up fee and a loan <br> maintenance fee (these fees may be waived or reduced for certain <br> Plans). The Loan Initiation Fee is $75. The Loan Maintenance Fee is <br> $50. | Fees |
| **Are There Ongoing** <br> **Fees and Expenses?** | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the options You have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the options You have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the options You have elected. | Fees |
| **Are There Ongoing** <br> **Fees and Expenses?** | **Annual Fee** | **Minimum** | **Maximum** | Fees |
| **Are There Ongoing** <br> **Fees and Expenses?** | Base Contract | 0.95%<sup>(1)</sup> <br>| 0.95%<sup>(1)</sup> <br>| Fees |
| **Are There Ongoing** <br> **Fees and Expenses?** | &nbsp;&nbsp; Investment options (Portfolio fees <br> and expenses)<br>| 0.27%<sup>(2)</sup> <br>| 1.28%<sup>(2)</sup> <br>| Fees |
| **Are There Ongoing** <br> **Fees and Expenses?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your Account Balance in the Separate <br> Account.<br> <sup>(2)</sup> As a percentage of average daily net assets of the Portfolio. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your Account Balance in the Separate <br> Account.<br> <sup>(2)</sup> As a percentage of average daily net assets of the Portfolio. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your Account Balance in the Separate <br> Account.<br> <sup>(2)</sup> As a percentage of average daily net assets of the Portfolio. | Fees |

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&nbsp;&nbsp;&nbsp;&nbsp;**FEES, EXPENSES AND ADJUSTMENTS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

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&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RESTRICTIONS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**TAXES** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**CONFLICTS OF INTEREST** **LOCATION IN** **PROSPECTUS** 

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| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Should I Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer You a new contract in place of the one You own. You should only <br> exchange your Contract if You determine, after comparing the <br> features, fees, and risks of both contracts, and any fees or penalties <br> to terminate the existing Contract, that it is better for You to <br> purchase the new contract rather than continue to own your existing <br> Contract. | Transfers |

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**IMPORTANT TERMS YOU SHOULD KNOW**

**Account Value** **, Account Balance or Contract Value** — When You purchase a Deferred Annuity, an account is set up for You. Your Account Value (also referred to as Account Balance or Contract Value) is the total amount of money in your Deferred Annuity including money in the Divisions of the Separate Account and the Fixed Interest Account.

**Accumulation Unit Value** — With a Deferred Annuity, money paid-in or transferred into a Division of the Separate Account is credited to You in the form of Accumulation Units. Accumulation Units are established for each Division. We determine the value of these Accumulation Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios. In addition to the investment performance of the Portfolios, the deduction of the Separate Account charge also affects a Division's Accumulation Unit Value.

**Administrative Office** — Our Administrative Office varies based on the type of service request or transaction that You are making. The most recent correspondence or quarterly statement sent to You will have the address and telephone number that You can use to contact us for specific transactions and requests. We will notify You if there are changes to this information.

**Annuitant** — The natural person whose life is the measure for determining the duration and the dollar amount of income payments, sometimes referred to as the measuring life.

**Annuity Unit Value** — With a variable Pay-Out Option, the money paid-in or reallocated into a Division of the Separate Account is held in the form of Annuity Units. Annuity Units are established for each Division. We determine the value of these Annuity Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios, the experience factor for the current valuation period, the daily AIR and the Separate Account charge.

**Assumed Investment Return (AIR)** — Under an Income Annuity or variable Pay-Out Option, the AIR is the assumed percentage rate of return used to determine the amount of the first variable income payment. The AIR is also the benchmark that is used to calculate the investment performance of a given Division to determine all subsequent payments to You.

**Beneficiary** — The person or persons who receive a benefit, including continuing payments or a lump sum payment, in the event the Contract Owner or the Annuitant, as applicable, dies.

**Contract** — A Contract is the legal agreement between You and MetLife or between MetLife and the employer, plan trustee or other entity, or the certificate issued to You under a group annuity contract. The Contract contains relevant provisions of your Deferred Annuity or Income Annuity.

**Contract Owner** — The person(s) or entity entitled to ownership rights under this Contract.

**Contract Year** — Generally, the Contract Year for a Deferred Annuity is the period ending on the last day of the month in which the anniversary of when we issued the annuity occurs and each following 12-month period. However, depending on underwriting and plan requirements, the first Contract Year may range from the initial three to fifteen months after the Deferred Annuity is issued.

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**Deferred Annuity** — This term is used throughout this Prospectus when we are referring to Enhanced Preference Plus Account Contracts for flexible contribution deferred variable annuities.

**Divisions** — Divisions are subdivisions of the Separate Account. When You allocate a purchase payment, transfer money or make reallocations of your Account Balance to a Division, the Division purchases shares of a Portfolio (with the same name).

**Early Withdrawal Charge or Withdrawal Charge** — The Early Withdrawal Charge is an amount we deduct from your Account Value if You withdraw money prematurely from a Deferred Annuity. This charge is often referred to as a deferred sales load or back-end sales load.

**Exchange** — In this Prospectus, the New York Stock Exchange is referred to as the "Exchange."

**Free Look** — You may cancel your Contract within a certain time period. This is known as a "free look." We must receive your request to cancel in writing by the appropriate day in your state, which varies from state to state. The time period may also vary depending on your age and whether You purchased your Contract from us directly, through the mail or with money from another annuity or life insurance policy. Depending on state law, we may refund (i) all of your purchase payments (and any interest credited by the Fixed Interest Account, if applicable) or (ii) your Account Value as of the date your refund request is received at our Administrative Office in Good Order (this means you bear the risk of any decline in the value of your Contract due to the performance of the Divisions during the Free Look period).

**Good Order** — A request or transaction generally is considered in "Good Order" if it complies with our administrative procedures, and the required information is complete and accurate. A request or transaction may be rejected or delayed if not in Good Order. Good Order generally means the actual receipt by us of the instructions relating to the requested transaction in writing (or, when permitted, by telephone, facsimile (also referred to as "fax"), email or internet) along with all forms, information and supporting legal documentation necessary to effect the transaction. This information and documentation generally includes to the extent applicable to the transaction: your completed application; your Contract number; the transaction amount (in dollars or percentage terms); the names and allocations to and/or from the Divisions affected by the requested transaction; the signatures of all Contract Owners (exactly as indicated on the Contract), if necessary; Social Security Number or Tax I.D.; and any other information or supporting documentation that we may require, including any spousal consents. With respect to purchase payments, Good Order also generally includes receipt by us of sufficient funds to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirement at any time. If You have any questions, You should contact us or your sales representative (where applicable) before submitting the form or request.

**Income Annuity** — An annuity where the pay-out phase begins within 12 months after the date the Contract is issued.

**MetLife** — MetLife is Metropolitan Life Insurance Company, which is the company that issues the Deferred Annuities and Income Annuities. Throughout this Prospectus, MetLife is also referred to as the "Company," "we," "us" or "our."

**Pay-out Options/Income Options** — These are options that You may elect when You convert your Contract into a regular stream of income after your "pay-in" or "accumulation" phase. The pay-out phase is often referred to as either "annuitizing" your Contract or taking an income annuity.

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**Separate Account** — Metropolitan Life Separate Account E ("Separate Account") is an investment account. All assets contributed to Divisions under the Deferred Annuities and Income Annuities are pooled in the Separate Account and maintained for the benefit of investors in Deferred Annuities and Income Annuities.

**Variable Annuity** — An annuity with respect to which returns/income payments are based upon the performance of investments such as stocks and bonds held by one or more underlying Portfolios. You assume the investment risk for any amounts allocated to the Divisions in a Variable Annuity.

**You** — In this Prospectus, depending on the context, "You" may mean either the owner of the Deferred Annuity or Income Annuity, the Annuitant under an Income Annuity or the participant or Annuitant under certain group arrangements. In cases where we are referring to giving instructions or making payments to us for public employee deferred compensation Contracts under Section 457(b) arrangements ("PEDC"), Section 451 deferred fee arrangements, Section 451 deferred compensation plans, Section 457(f) deferred compensation plans, Section 457(e)(11) severance and death benefit plans, Section 415(m) qualified governmental excess benefit arrangements, annuities funding certain 401(k), 401(a), 403(a) plans and Tax Sheltered Annuities ("TSAs") under which the employer retains certain rights, "You" means the trustee or employer. Under PEDC Section 451 deferred fee arrangements, Section 451 deferred compensation plans, Section 457(f) deferred compensation plans, Section 457(e)(11) severance and death benefit plans, Section 415(m) qualified governmental excess benefit arrangements, annuities funding certain 403(a), 401(k) and 401(a) plans and TSAs where the participant or Annuitant is allowed to choose among investment choices, "You" means the participant orAnnuitant who is giving us instructions about the investment choices. In connection with a 403(b) plan termination, as of the date of the Contract or cash distribution under such distribution, "You" means the participant who has received such Contract or cash distribution. The terms "TSA" and "403(b)" are synonymous wherever they appear in this Prospectus and Statement of Additional Information.

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**APPENDIX A — INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is a list of Portfolios currently available. More information about the Portfolios are available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/metlife/PUFT/MET000209. You can also request this information at no cost by calling (833) 642-1008, by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits You choose, You may not be able to invest in certain Portfolios, as described below. If your annuity was issued in connection with an employer plan, You should check with your employer as to which Portfolios are available under your Contract.

The current expenses and performance information below reflects fees and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance.

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|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.58% | 20.24% | 13.37% | 17.97% |
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth-Income Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Global Equity | &nbsp;&nbsp;&nbsp; American Funds SMALLCAP World Fund<sup>®</sup>\*†† - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.90% | 14.64% | 0.49% | 7.23% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; American Funds The Bond Fund of America\* - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.47% | 7.26% | -0.14% | 2.36% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Aggressive Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.99% | 19.90% | 9.30% | 10.88% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Balanced Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.96% | 17.02% | 7.26% | 8.99% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Moderate Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.95% | 14.46% | 5.71% | 7.30% |
| International Equity | &nbsp;&nbsp;&nbsp; Baillie Gifford International Stock Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Baillie Gifford Overseas Limited<br>| 0.74% | 19.31% | 0.96% | 7.62% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; BlackRock Bond Income Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| US Equity | &nbsp;&nbsp;&nbsp; BlackRock Capital Appreciation Portfolio\* - <br> Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.71% | 13.02% | 10.90% | 15.63% |

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|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 100 Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.71% | 17.41% | 8.91% | 10.97% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 20 Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 9.47% | 2.32% | 4.22% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 40 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 11.75% | 4.10% | 5.95% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 60 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 13.96% | 5.80% | 7.73% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 80 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 15.91% | 7.42% | 9.49% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Artisan Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Artisan Partners Limited <br> Partnership<br>| 0.78% | 1.82% | 7.04% | 8.32% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Brighthouse/Franklin Low Duration Total Return <br> Portfolio\* - Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Franklin Advisers, Inc.<br>| 0.75% | 5.25% | 2.14% | 2.23% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Balanced Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Core Equity Opportunities <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Large Cap Research <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.54% | 15.91% | 12.30% | 13.62% |
| Sector | &nbsp;&nbsp;&nbsp; CBRE Global Real Estate Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: CBRE Investment Management <br> Listed Real Assets LLC<br>| 0.81% | 6.94% | 4.15% | 4.06% |
| US Equity | &nbsp;&nbsp;&nbsp; Equity-Income Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.46% | 19.02% | 12.51% | 11.60% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2020 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.69% | 12.99% | 4.57% | 7.11% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2025 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.71% | 14.23% | 5.25% | 7.75% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2030 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.74% | 15.16% | 5.98% | 8.61% |

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|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2035 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.78% | 16.42% | 7.28% | 9.72% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2040 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.82% | 18.44% | 8.73% | 10.59% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2045 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.53% | 9.16% | 10.82% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2050 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.50% | 9.15% | 10.81% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2055 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.53% | 9.16% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2060 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.53% | 9.17% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2065 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.52% | 9.16% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2070 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.59% | —  | —  |
| US Equity | &nbsp;&nbsp;&nbsp; Frontier Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Frontier Capital Management <br> Company, LLC<br>| 0.69% | 5.16% | 3.79% | 10.15% |
| US Equity | &nbsp;&nbsp;&nbsp; Growth Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.55% | 14.92% | 13.70% | 17.45% |
| International Equity | &nbsp;&nbsp;&nbsp; Harris Oakmark International Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Harris Associates L.P.<br>| 0.87% | 32.98% | 6.56% | 6.84% |
| Global Equity | &nbsp;&nbsp;&nbsp; Invesco Global Equity Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.58% | 15.88% | 7.56% | 11.28% |
| US Equity | &nbsp;&nbsp;&nbsp; Invesco Small Cap Growth Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.89% | 5.93% | -0.81% | 9.11% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Investment Grade Bond Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.37% | 7.22% | 0.02% | 2.71% |
| US Equity | &nbsp;&nbsp;&nbsp; Jennison Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Jennison Associates LLC<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| Allocation | &nbsp;&nbsp;&nbsp; Loomis Sayles Global Allocation Portfolio\* - <br> Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 1.04% | 12.59% | 6.25% | 9.22% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.55% | 15.21% | 15.06% | 14.19% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Core Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.90% | 5.29% | 7.44% | 9.43% |

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|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.89% | 4.03% | 2.54% | 10.12% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; MetLife Aggregate Bond Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.26% | 7.04% | -0.64% | 1.75% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Mid Cap Stock Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 7.19% | 8.81% | 10.43% |
| International Equity | &nbsp;&nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.37% | 31.02% | 8.62% | 8.04% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Russell 2000<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 12.66% | 5.99% | 9.55% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Stock Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.27% | 17.59% | 14.13% | 14.53% |
| International Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Research International Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Allocation | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Total Return Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.62% | 11.11% | 6.42% | 7.65% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.73% | 13.11% | 9.95% | 10.10% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\*§ - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.58% | 13.29% | 10.11% | 10.27% |
| US Equity | &nbsp;&nbsp;&nbsp; Morgan Stanley Discovery Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Morgan Stanley Investment <br> Management Inc.<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| US Equity | &nbsp;&nbsp;&nbsp; Neuberger Berman Genesis Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Neuberger Berman Investment <br> Advisers LLC<br>| 0.81% | -4.57% | 2.86% | 9.12% |

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|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Inflation Protected Bond Portfolio - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 1.28% | 7.84% | 1.26% | 3.19% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Total Return Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderate ETF Portfolio - Class E <br> (formerly known as SSGA Growth and Income ETF <br> Portfolio - Class E)<br> Brighthouse Investment Advisers, LLC<br> Subadviser: SSGA Funds Management, Inc.<br>| 0.65% | 16.93% | 7.30% | 7.96% |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderately Aggressive ETF Portfolio - <br> Class E (formerly known as SSGA Growth ETF <br> Portfolio - Class E)<br> Brighthouse Investment Advisers, LLC<br> Subadviser: SSGA Funds Management, Inc.<br>| 0.68% | 19.29% | 9.11% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Large Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc. is the <br> subadviser<br> T. Rowe Price Investment Management, Inc. is <br> the sub-subadviser<br>| 0.70% | 3.75% | 4.08% | 10.05% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Small Cap Growth Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| US Equity | &nbsp;&nbsp;&nbsp; Victory Sycamore Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Victory Capital Management, Inc.<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management Strategic Bond <br> Opportunities Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management U.S. Government <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.50% | 7.07% | 0.59% | 1.82% |

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\*

The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.

§

Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.

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††

Effective May 1, 2026, the American Funds Global Small Capitalization Fund changed its name to American Funds SMALLCAP World Fund<sup>®</sup>.

**Index Selector:** If You elect the Index Selector You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:

MetLife Aggregate Bond Index <br>MetLife Stock Index <br>MetLife MSCI EAFE Index <br>MetLife Russell 2000 Index <br>MetLife Mid Cap Stock Index

**The Equity Generator**<sup>®</sup> **and The Equalizer** <sup>(SM)</sup>**:** In addition to the Fixed Account these Automated Strategies may also use the:

MetLife Stock Index Division <br>Frontier Mid Cap Growth Division

Fixed Option

The following is information on the Fixed Interest Account currently available under the Contract. We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account when the yield on investments is not expected to support the Minimum Guaranteed Interest Rate. We will provide you with written notice before doing so.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | &nbsp;&nbsp;&nbsp; **Minimum Guaranteed Interest** <br> **Rate\***<br>|
| Fixed Interest Account | &nbsp;&nbsp;&nbsp; **Initial Interest Rate Term:** begins on <br> each calendar quarter and will be <br> credited from the date amounts are <br> allocated to the Fixed Interest <br> Account until the last day of the same <br> calendar quarter of the following year.<br> Renewal Rate Term: 12 months.<br>| 3% |

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\*

The Minimum Guaranteed Interest Rate Varies by Contract and may be higher than the minimum guaranteed interest rate shown. Check your Contract for the Minimum Guaranteed Interest Rate that applies to your Fixed Interest Account Option.

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![](g173602metlife_logo.jpg)

This Updating Summary Prospectus incorporates by reference all of the information contained in the Prospectus and the Statement of Additional Information, which have the same date as this Updating Summary Prospectus and which are legally part of this Updating Summary Prospectus. You can obtain the Prospectus and Statement of Additional Information, without charge, by calling our Administrative Office at (833) 642-1008, by going online at dfinview.com/metlife/PUFT/MET000209, or by sending an email request to RCG@metlife.com. For Division transfers and purchase payment reallocations, for current information about your Contract Values, to change or update Contract information such as your billing address, billing mode, Beneficiary or ownership, for information about other Contract transactions, and to ask questions about your Contract, You may call our Administrative Office at (833) 642-1008.

Managing your variable annuity contract just got easier. We're excited to share our enhanced website with You. Login or register today at **online.metlife.com** and enjoy a more convenient way to manage your contract and sign-up for eDelivery!

EDGAR ID: C000003501

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April 27, 2026

**Updating Summary Prospectus For Investors in Financial Freedom Account Variable Annuity Contracts** 

**Issued by Metropolitan Life Separate Account E of Metropolitan Life Insurance Company.** 

This Updating Summary Prospectus includes updating information about group Financial Freedom Account Contracts for deferred variable annuities ("Financial Freedom Deferred Annuities") and Financial Freedom immediate variable income annuities ("Financial Freedom Income Annuities") (also referred to herein as the "Contracts") issued by Metropolitan Life Insurance Company ("MetLife" , the "Company," "we," "us" or "our").

The Prospectus for the Contracts contains more information about the Contracts, including features, benefits, and risks. You can find the current prospectus and other information about the Contracts online at https://dfinview.com/metlife/PUFT/MET000210. You can also obtain this information at no cost by calling our Administrative Office at (833) 642-1008, or by sending an email request to RCG@metlife.com. Not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.

Additional information about certain investment products, including variable annuity contracts, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**We do not guarantee how any of the Divisions or Portfolios will perform. Interests in the Separate Account, the Portfolios and the Fixed Interest Account are not deposits or obligations of, or insured or guaranteed by, the U.S. Government, any bank or other depository institution including the Federal Deposit Insurance Corporation ("FDIC"), the Federal Reserve Board or any other agency or entity or person. MetLife's obligations under the Contract are subject to its financial strength and claims-paying ability.**

**The Securities and Exchange Commission ("SEC") has not approved or disapproved the Contract or determined that this Prospectus is adequate or complete. Any representation to the contrary is a criminal offense.**

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**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#xx_edec44db-d09e-48ce-bd67-6a40ac6cef5f_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#xx_edec44db-d09e-48ce-bd67-6a40ac6cef5f_1) | 3  |
| [IMPORTANT TERMS YOU SHOULD KNOW](#xx_e42be06e-3c96-47e9-99e4-eba975026258_1) | 7  |
| [APPENDIX A](#xx_33e2fc7c-76b6-48ea-a901-54d9c24bc189_1)[—](#xx_33e2fc7c-76b6-48ea-a901-54d9c24bc189_1)[INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT](#xx_33e2fc7c-76b6-48ea-a901-54d9c24bc189_1) | A-1 |

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**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since You last received the Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since You entered into your Contract:

● For changes in the names of certain Portfolios and any other changes to the Portfolios please refer to Appendix A.

● For updated Portfolio expense information please refer to "Important Information You Should Consider About the Contract" and Appendix A.

● For updated Portfolio performance information please refer to Appendix A.

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** 

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Are There Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** Withdrawal Charges are calculated as a percentage of amounts <br> allocated to the Fixed Interest Account during the pay-in phase. A <br> Withdrawal Charge of up to 7.00% may be assessed on any amounts <br> withdrawn from the Fixed Interest Account that were allocated to <br> the Fixed Interest Account less than 8 years before the date of the <br> withdrawal.<br> For example, if You allocate $100,000 to the Fixed Interest Account <br> and withdraw that money during the first year that it is allocated to <br> the Fixed Interest Account, You will pay a Withdrawal Charge of <br> $7,000. | &nbsp;&nbsp; **Yes.** Withdrawal Charges are calculated as a percentage of amounts <br> allocated to the Fixed Interest Account during the pay-in phase. A <br> Withdrawal Charge of up to 7.00% may be assessed on any amounts <br> withdrawn from the Fixed Interest Account that were allocated to <br> the Fixed Interest Account less than 8 years before the date of the <br> withdrawal.<br> For example, if You allocate $100,000 to the Fixed Interest Account <br> and withdraw that money during the first year that it is allocated to <br> the Fixed Interest Account, You will pay a Withdrawal Charge of <br> $7,000. | &nbsp;&nbsp; **Yes.** Withdrawal Charges are calculated as a percentage of amounts <br> allocated to the Fixed Interest Account during the pay-in phase. A <br> Withdrawal Charge of up to 7.00% may be assessed on any amounts <br> withdrawn from the Fixed Interest Account that were allocated to <br> the Fixed Interest Account less than 8 years before the date of the <br> withdrawal.<br> For example, if You allocate $100,000 to the Fixed Interest Account <br> and withdraw that money during the first year that it is allocated to <br> the Fixed Interest Account, You will pay a Withdrawal Charge of <br> $7,000. | Fees |
| **Are There Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **Yes.** Loans will be charged an initial set-up fee and a loan <br> maintenance fee (these fees may be waived or reduced for certain <br> Plans). The Loan Initiation Fee is $75. The Loan Maintenance Fee is <br> $50. | &nbsp;&nbsp; **Yes.** Loans will be charged an initial set-up fee and a loan <br> maintenance fee (these fees may be waived or reduced for certain <br> Plans). The Loan Initiation Fee is $75. The Loan Maintenance Fee is <br> $50. | &nbsp;&nbsp; **Yes.** Loans will be charged an initial set-up fee and a loan <br> maintenance fee (these fees may be waived or reduced for certain <br> Plans). The Loan Initiation Fee is $75. The Loan Maintenance Fee is <br> $50. | Fees |
| **Are There Ongoing** <br> **Fees and Expenses?** | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the options You have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the options You have elected. | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may <br> pay *each year*, depending on the options You choose. Please refer to <br> your Contract specifications page for information about the specific <br> fees You will pay each year based on the options You have elected. | Fees |
| **Are There Ongoing** <br> **Fees and Expenses?** | **Annual Fee** | **Minimum** | **Maximum** | Fees |
| **Are There Ongoing** <br> **Fees and Expenses?** | Base Contract | 0.95%<sup>(1)</sup> <br>| 0.95%<sup>(1)</sup> <br>| Fees |
| **Are There Ongoing** <br> **Fees and Expenses?** | &nbsp;&nbsp; Investment options (Portfolio fees <br> and expenses)<br>| 0.25%<sup>(2)</sup> <br>| 1.28%<sup>(2)</sup> <br>| Fees |
| **Are There Ongoing** <br> **Fees and Expenses?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your Account Balance in the Separate <br> Account.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolio.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your Account Balance in the Separate <br> Account.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolio.  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>(1)</sup> <br>As a percentage of your Account Balance in the Separate <br> Account.<br> <sup>(2)</sup> <br>As a percentage of average daily net assets of the Portfolio.  | Fees |
| **Are There Ongoing** <br> **Fees and Expenses?** | &nbsp;&nbsp; Because your Contract is customizable, the choices You make affect <br> how much You will pay. To help understand the cost of owning your <br> Contract, the following table shows the lowest and highest cost You <br> could pay each year, based on current charges. This estimate <br> assumes that You do not take withdrawals from the Contract, **which** <br> **could add Withdrawal Charges that substantially increase costs.** | &nbsp;&nbsp; Because your Contract is customizable, the choices You make affect <br> how much You will pay. To help understand the cost of owning your <br> Contract, the following table shows the lowest and highest cost You <br> could pay each year, based on current charges. This estimate <br> assumes that You do not take withdrawals from the Contract, **which** <br> **could add Withdrawal Charges that substantially increase costs.** | &nbsp;&nbsp; Because your Contract is customizable, the choices You make affect <br> how much You will pay. To help understand the cost of owning your <br> Contract, the following table shows the lowest and highest cost You <br> could pay each year, based on current charges. This estimate <br> assumes that You do not take withdrawals from the Contract, **which** <br> **could add Withdrawal Charges that substantially increase costs.** | Fees |

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&nbsp;&nbsp;&nbsp;&nbsp;**FEES, EXPENSES, AND ADJUSTMENTS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

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&nbsp;&nbsp;&nbsp;&nbsp;**RISKS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**RESTRICTIONS** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**TAXES** **LOCATION IN** **PROSPECTUS** 

&nbsp;&nbsp;&nbsp;&nbsp;**CONFLICTS OF INTEREST** **LOCATION IN** **PROSPECTUS** 

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| | | |
|:---|:---|:---|
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Should I Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer You a new contract in place of the one You own. You should only <br> exchange your Contract if You determine, after comparing the <br> features, fees, and risks of both contracts, that it is better for You to <br> purchase the new contract rather than continue to own your existing <br> Contract. | Transfers |

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**IMPORTANT TERMS YOU SHOULD KNOW**

**Account Value** **, Account Balance or Contract Value** — When You purchase a Deferred Annuity, an account is set up for You. Your Account Value (also referred to as Account Balance or Contract Value) is the total amount of money in your Deferred Annuity including money in the Divisions of the Separate Account and the Fixed Interest Account.

**Accumulation Unit Value** — With a Deferred Annuity, money paid-in or transferred into a Division of the Separate Account is credited to You in the form of Accumulation Units. Accumulation Units are established for each Division. We determine the value of these Accumulation Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios. In addition to the investment performance of the Portfolios, the deduction of the Separate Account charge also affects a Division's Accumulation Unit Value.

**Administrative Office** — Our Administrative Office varies based on the type of service request or transaction that You are making. The most recent correspondence or quarterly statement sent to You will have the address and telephone number that You can use to contact us for specific transactions and requests. We will notify You if there are changes to this information.

**Annuitant** – The natural person whose life is the measure for determining the duration and the dollar amount of income payments, sometimes referred to as the measuring life.

**Annuity Unit Value** — With a variable Pay-Out Option, the money paid-in or reallocated into a Division of the Separate Account is held in the form of Annuity Units. Annuity Units are established for each Division. We determine the value of these Annuity Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios, the experience factor for the current valuation period, the daily AIR and the Separate Account charge.

**Assumed Investment Return (AIR)** — Under an Income Annuity or variable Pay-Out Option, the AIR is the assumed percentage rate of return used to determine the amount of the first variable income payment. The AIR is also the benchmark that is used to calculate the investment performance of a given Division to determine all subsequent payments to You.

**Beneficiary** – The person or persons who receive a benefit, including continuing payments or a lump sum payment, in the event the Contract Owner or the Annuitant, as applicable, dies.

**Contract** — A Contract is the legal agreement between You and MetLife or between MetLife and the employer, plan trustee or other entity, or the certificate issued to You under a group annuity Contract. The Contract contains relevant provisions of your Deferred Annuity or Income Annuity.

**Contract Year** — Generally, the Contract Year for a Deferred Annuity is the period ending on the last day of the month in which the anniversary of when we issued the annuity occurs and each following 12-month period. However, depending on underwriting and plan requirements, the first Contract Year may range from the initial three to fifteen months after the Deferred Annuity is issued.

**Contract Owner** — The person(s) or entity entitled to ownership rights under this Contract.

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**Deferred Annuity** — This term is used throughout this Prospectus when we are referring to Financial Freedom Account Contracts for flexible contribution deferred variable annuities.

**Divisions** — Divisions are subdivisions of the Separate Account. When You allocate a purchase payment, transfer money or make reallocations of your Account Balance to a Division, the Division purchases shares of a Portfolio (with the same name).

**Early Withdrawal Charge or Withdrawal Charge** — The Early Withdrawal Charge is a charge that may apply if You withdraw amounts from the Fixed Interest Account that were allocated to the Fixed Interest Account less than 8 years before the date of the withdrawal. This charge is often referred to as a deferred sales load or back-end sales load.

**Exchange** — In this Prospectus, the New York Stock Exchange is referred to as the "Exchange."

**Free Look** — You may cancel your Contract within a certain time period. This is known as a "Free Look." We must receive your request to cancel in writing by the appropriate day in your state, which varies from state to state. The time period may also vary depending on your age and whether You purchased your Contract from us directly, through the mail or with money from another annuity or life insurance policy. Depending on state law, we may refund (i) all of your purchase payments (and any interest credited by the Fixed Interest Account, if applicable) or (ii) your Account Value as of the date your refund request is received at our Administrative Office in Good Order (this means You bear the risk of any decline in the value of your Contract due to the performance of the Divisions during the Free Look period).

**Good Order** — A request or transaction generally is considered in "Good Order" if it complies with our administrative procedures, and the required information is complete and accurate. A request or transaction may be rejected or delayed if not in Good Order. Good Order generally means the actual receipt by us of the instructions relating to the requested transaction in writing (or, when permitted, by telephone, facsimile (also referred to as "fax"), email or internet) along with all forms, information and supporting legal documentation necessary to effect the transaction. This information and documentation generally includes to the extent applicable to the transaction: your completed application; your Contract number; the transaction amount (in dollars or percentage terms); the names and allocations to and/or from the Divisions affected by the requested transaction; the signatures of all Contract Owners (exactly as indicated on the Contract), if necessary; Social Security Number or Tax I.D.; and any other information or supporting documentation that we may require, including any spousal consents. With respect to purchase payments, Good Order also generally includes receipt by us of sufficient funds to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirement at any time. If You have any questions, You should contact us or your sales representative (where applicable) before submitting the form or request.

**Income Annuity** — An annuity where the pay-out phase begins within 12 months after the date the Contract is issued.

**MetLife** — MetLife is Metropolitan Life Insurance Company, which is the company that issues the Deferred Annuities and Income Annuities. Throughout this Prospectus, MetLife is also referred to as the "Company," "we," "us" or "our."

**Pay-out Options/Income Options** — These are options that You may elect when You convert your Contract into a regular stream of income after your "pay-in" or "accumulation" phase. The pay-out phase is often referred to as either "annuitizing" your Contract or taking an income annuity.

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**Separate Account** — Metropolitan Life Separate Account E ("Separate Account") is an investment account. All assets contributed to Divisions under the Deferred Annuities and Income Annuities are pooled in the Separate Account and maintained for the benefit of investors in Deferred Annuities and Income Annuities.

**Variable Annuity** — An annuity with respect to which returns/income payments are based upon the performance of investments such as stocks and bonds held by one or more underlying Portfolios. You assume the investment risk for any amounts allocated to the Divisions in a Variable Annuity.

**You** — In this Prospectus, depending on the context, "You" may mean either the owner of the Deferred Annuity or Income Annuity, the Annuitant under an Income Annuity or the participant or Annuitant under certain group arrangements. In cases where we are referring to giving instructions or making payments to us for annuities funding certain 403(a), 401(k) and 401(a) plans and Tax Sheltered Annuities ("TSAs") under which the employer retains certain rights, "You" means the trustee or employer. Under annuities funding certain 403(a), 401(k), 401(a) plans and TSAs where the participant or Annuitant is allowed to choose among investment choices, "You" means the participant or Annuitant who is giving us instructions about the investment choices. In connection with a 403(b) plan termination, as of the date of the Contract or cash distribution under such distribution, "You" means the participant who has received such Contract or cash distribution. The terms "TSA" and "403(b)" are synonymous wherever they appear in this Prospectus and Statement of Additional Information.

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**APPENDIX A — INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is a list of Portfolios available. More information about the Portfolios are available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at https://dfinview.com/metlife/PUFT/MET000210. You can also request this information at no cost by calling (833) 642-1008, by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits You choose, You may not be able to invest in certain Portfolio, as described below. If your annuity was issued in connection with an employer plan, You should check with Your employer as to which Portfolios are available under your Contract.

The current expenses and performance information below reflects fees and expenses of the Portfolios, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance.

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|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.58% | 20.24% | 13.37% | 17.97% |
| US Equity | &nbsp;&nbsp;&nbsp; American Funds Growth-Income Fund - Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Global Equity | &nbsp;&nbsp;&nbsp; American Funds SMALLCAP World Fund<sup>®</sup>\*†† - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.90% | 14.64% | 0.49% | 7.23% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; American Funds The Bond Fund of America\* - <br> Class 2<br> Capital Research and Management Company<sup>SM</sup> <br>| 0.47% | 7.26% | -0.14% | 2.36% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Aggressive Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.99% | 19.90% | 9.30% | 10.88% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Balanced Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.96% | 17.02% | 7.26% | 8.99% |
| Allocation | &nbsp;&nbsp;&nbsp; American Funds<sup>®</sup> Moderate Allocation Portfolio - <br> Class C<br> Brighthouse Investment Advisers, LLC<br>| 0.95% | 14.46% | 5.71% | 7.30% |
| International Equity | &nbsp;&nbsp;&nbsp; Baillie Gifford International Stock Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Baillie Gifford Overseas Limited<br>| 0.74% | 19.31% | 0.96% | 7.62% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; BlackRock Bond Income Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.38% | 7.95% | -0.17% | 2.38% |
| US Equity | &nbsp;&nbsp;&nbsp; BlackRock Capital Appreciation Portfolio\* - <br> Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: BlackRock Advisors, LLC<br>| 0.71% | 13.02% | 10.90% | 15.63% |

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|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 100 Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.71% | 17.41% | 8.91% | 10.97% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 20 Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 9.47% | 2.32% | 4.22% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 40 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 11.75% | 4.10% | 5.95% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 60 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.66% | 13.96% | 5.80% | 7.73% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse Asset Allocation 80 Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br>| 0.68% | 15.91% | 7.42% | 9.49% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Artisan Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Artisan Partners Limited <br> Partnership<br>| 0.78% | 1.82% | 7.04% | 8.32% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Brighthouse/Franklin Low Duration Total Return <br> Portfolio\* - Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Franklin Advisers, Inc.<br>| 0.75% | 5.25% | 2.14% | 2.23% |
| Allocation | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Balanced Portfolio - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.52% | 12.67% | 7.45% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Core Equity Opportunities <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.62% | 7.83% | 8.29% | 10.73% |
| US Equity | &nbsp;&nbsp;&nbsp; Brighthouse/Wellington Large Cap Research <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Wellington Management Company <br> LLP<br>| 0.54% | 15.91% | 12.30% | 13.62% |
| Sector | &nbsp;&nbsp;&nbsp; CBRE Global Real Estate Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: CBRE Investment Management <br> Listed Real Assets LLC<br>| 0.81% | 6.94% | 4.15% | 4.06% |
| US Equity | &nbsp;&nbsp;&nbsp; Equity-Income Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.46% | 19.02% | 12.51% | 11.60% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2020 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.69% | 12.99% | 4.57% | 7.11% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2025 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.71% | 14.23% | 5.25% | 7.75% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2030 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.74% | 15.16% | 5.98% | 8.61% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2035 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.78% | 16.42% | 7.28% | 9.72% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2040 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.82% | 18.44% | 8.73% | 10.59% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2045 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.53% | 9.16% | 10.82% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2050 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.50% | 9.15% | 10.81% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2055 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.53% | 9.16% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2060 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.53% | 9.17% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2065 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.52% | 9.16% | —  |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2070 Portfolio - Service Class 2<br> Fidelity Management & Research Company LLC<br>| 0.85% | 19.59% | —  | —  |
| US Equity | &nbsp;&nbsp;&nbsp; Frontier Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Frontier Capital Management <br> Company, LLC<br>| 0.69% | 5.16% | 3.79% | 10.15% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Government Money Market Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.25% | 4.13% | 3.10% | 2.03% |
| US Equity | &nbsp;&nbsp;&nbsp; Growth Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.55% | 14.92% | 13.70% | 17.45% |
| International Equity | &nbsp;&nbsp;&nbsp; Harris Oakmark International Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Harris Associates L.P.<br>| 0.87% | 32.98% | 6.56% | 6.84% |
| Global Equity | &nbsp;&nbsp;&nbsp; Invesco Global Equity Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.58% | 15.88% | 7.56% | 11.28% |
| US Equity | &nbsp;&nbsp;&nbsp; Invesco Small Cap Growth Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Invesco Advisers, Inc.<br>| 0.89% | 5.93% | -0.81% | 9.11% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Investment Grade Bond Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.37% | 7.22% | 0.02% | 2.71% |
| US Equity | &nbsp;&nbsp;&nbsp; Jennison Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Jennison Associates LLC<br>| 0.54% | 14.04% | 10.28% | 16.71% |
| Allocation | &nbsp;&nbsp;&nbsp; Loomis Sayles Global Allocation Portfolio\* - <br> Class B<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 1.04% | 12.59% | 6.25% | 9.22% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.55% | 15.21% | 15.06% | 14.19% |
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Core Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.90% | 5.29% | 7.44% | 9.43% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Equity | &nbsp;&nbsp;&nbsp; Loomis Sayles Small Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Loomis, Sayles & Company, L.P.<br>| 0.89% | 4.03% | 2.54% | 10.12% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; MetLife Aggregate Bond Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.26% | 7.04% | -0.64% | 1.75% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Mid Cap Stock Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 7.19% | 8.81% | 10.43% |
| International Equity | &nbsp;&nbsp;&nbsp; MetLife MSCI EAFE<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.37% | 31.02% | 8.62% | 8.04% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Russell 2000<sup>®</sup> Index Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.30% | 12.66% | 5.99% | 9.55% |
| US Equity | &nbsp;&nbsp;&nbsp; MetLife Stock Index Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: MetLife Investment Management, <br> LLC<br>| 0.27% | 17.59% | 14.13% | 14.53% |
| International Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Research International Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.56% | 22.72% | 5.80% | 7.83% |
| Allocation | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Total Return Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.62% | 11.11% | 6.42% | 7.65% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\* - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.73% | 13.11% | 9.95% | 10.10% |
| US Equity | &nbsp;&nbsp;&nbsp; MFS<sup>®</sup> Value Portfolio\*§ - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Massachusetts Financial Services <br> Company<br>| 0.58% | 13.29% | 10.11% | 10.27% |
| US Equity | &nbsp;&nbsp;&nbsp; Morgan Stanley Discovery Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Morgan Stanley Investment <br> Management Inc.<br>| 0.65% | 13.55% | -5.58% | 14.29% |
| US Equity | &nbsp;&nbsp;&nbsp; Neuberger Berman Genesis Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Neuberger Berman Investment <br> Advisers LLC<br>| 0.81% | -4.57% | 2.86% | 9.12% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** | &nbsp;&nbsp; **AVERAGE ANNUAL**<br> **TOTAL RETURNS**<br> **(as of 12/31/2025)** |
| **FUND**<br> **TYPE** | &nbsp;&nbsp; **PORTFOLIO AND**<br> **ADVISER/SUBADVISER** | &nbsp;&nbsp; **CURRENT**<br> **EXPENSES** | &nbsp;&nbsp; **1**<br> **YEAR**<br>| &nbsp;&nbsp; **5**<br> **YEAR**<br>| &nbsp;&nbsp; **10**<br> **YEAR**<br>|
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Inflation Protected Bond Portfolio - Class E<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 1.28% | 7.84% | 1.26% | 3.19% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; PIMCO Total Return Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Pacific Investment Management <br> Company LLC<br>| 0.58% | 9.21% | 0.19% | 2.55% |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderate ETF Portfolio - Class E <br> (formerly known as SSGA Growth and Income ETF <br> Portfolio - Class E)<br> Brighthouse Investment Advisers, LLC<br> Subadviser: SSGA Funds Management, Inc.<br>| 0.65% | 16.93% | 7.30% | 7.96% |
| Allocation | &nbsp;&nbsp;&nbsp; State Street Moderately Aggressive ETF Portfolio - <br> Class E (formerly known as SSGA Growth ETF <br> Portfolio - Class E)<br> Brighthouse Investment Advisers, LLC<br> Subadviser: SSGA Funds Management, Inc.<br>| 0.68% | 19.29% | 9.11% | 9.41% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Large Cap Growth Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.56% | 15.70% | 9.64% | 14.39% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Mid Cap Growth Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc. is the <br> subadviser<br> T. Rowe Price Investment Management, Inc. is <br> the sub-subadviser<br>| 0.70% | 3.75% | 4.08% | 10.05% |
| US Equity | &nbsp;&nbsp;&nbsp; T. Rowe Price Small Cap Growth Portfolio - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: T. Rowe Price Associates, Inc.<br>| 0.51% | 10.30% | 5.75% | 10.88% |
| US Equity | &nbsp;&nbsp;&nbsp; Victory Sycamore Mid Cap Value Portfolio\* - <br> Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Victory Capital Management, Inc.<br>| 0.60% | 2.51% | 9.90% | 9.86% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management Strategic Bond <br> Opportunities Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.57% | 9.07% | 1.42% | 4.03% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; Western Asset Management U.S. Government <br> Portfolio\* - Class A<br> Brighthouse Investment Advisers, LLC<br> Subadviser: Western Asset Management <br> Company, LLC<br>| 0.50% | 7.07% | 0.59% | 1.82% |

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\*

The Portfolio is subject to an expense reimbursement or fee waiver arrangement. The annual expenses shown reflect temporary fee reductions.

§

Closed to new investments except under dollar cost averaging and rebalancing programs in existence at the time of closing.

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††

Effective May 1, 2026, the American Funds Global Small Capitalization Fund changed its name to American Funds SMALLCAP World Fund<sup>®</sup>.

**The Equity Generator**<sup>®</sup>: In addition to the Fixed Interest Account this Automated Strategy may also use the:

MetLife Stock Index Division <br>Frontier Mid Cap Growth Division.

**Fixed Option** 

The following is information on the Fixed Interest Account currently available under the Contract. We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account when the yield on investments is not expected to support the Minimum Guaranteed Interest Rate. We will provide you with written notice before doing so.

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| | | |
|:---|:---|:---|
| **Name** | **Term** | &nbsp;&nbsp;&nbsp; **Minimum Guaranteed Interest** <br> **Rate\***<br>|
| Fixed Interest Account | &nbsp;&nbsp;&nbsp; **Initial Interest Rate Term:** begins on <br> each calendar quarter and will be <br> credited from the date amounts are <br> allocated to the Fixed Interest <br> Account until the last day of the same <br> calendar quarter of the following year.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Renewal Rate Term: 12 months<br>| 3% |

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\*

The Minimum Guaranteed Interest Rate Varies by Contract and may be higher than the minimum guaranteed interest rate shown. Check your Contract for the Minimum Guaranteed Interest Rate that applies to your Fixed Interest Account Option.

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This Updating Summary Prospectus incorporates by reference all of the information contained in the Prospectus and the Statement of Additional Information, which have the same date as this Updating Summary Prospectus, and which are legally part of this Updating Summary Prospectus. You can obtain the Prospectus and Statement of Additional Information, without charge, by calling our Administrative Office at (833) 642-1008, by going online at https://dfinview.com/metlife/PUFT/MET000210, or by sending an email request to RCG@metlife.com. For Division transfers and purchase payment reallocations, for current information about your Contract Values, to change or update Contract information such as your billing address, billing mode, Beneficiary or ownership, for information about other Contract transactions, and to ask questions about your Contract, You may call our Administrative Office at (833) 642-1008.

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EDGAR ID: C000003500

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