# EDGAR Filing Document

**Accession Number:** 0000911375
**File Stem:** 0001193125-26-175548
**Filing Date:** 2026-4
**Character Count:** 30734
**Document Hash:** 5c51f42e17f3ecb2c0ddb4836da479b7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-175548.hdr.sgml**: 20260424

**ACCESSION NUMBER**: 0001193125-26-175548

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260424

**DATE AS OF CHANGE**: 20260424

**EFFECTIVENESS DATE**: 20260424

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PARAGON SEPARATE ACCOUNT C
- **CENTRAL INDEX KEY:** 0000911375

**ORGANIZATION NAME:**
- **EIN:** 135581829
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-133678
- **FILM NUMBER:** 26890784

**BUSINESS ADDRESS:**
- **STREET 1:** METROPOLITAN LIFE INSURANCE COMPANY
- **STREET 2:** 200 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10166
- **BUSINESS PHONE:** 272-578-9000

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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SEPARATE ACCOUNT C OF PARAGON LIFE
- **DATE OF NAME CHANGE:** 20060113

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** SEPARATE ACCOUNT C OF PARAGON LIFE INSURANCE CO
- **DATE OF NAME CHANGE:** 19930827

## Series and Classes Contracts Data

### Paragon Separate Account C (Series ID: S000006937)

| Class ID   | Class Name                                                                          | Ticker Symbol   |
|:---|:---|:---|
| C000034620 | GROUP AND INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICIES (FIDELITY D) |  |

April 27, 2026

**Updating Summary Prospectus For Investors In Group and Individual Flexible Premium Variable Life Insurance Policies (Fidelity D)** 

**Issued by Paragon Separate Account C of** <br>**Metropolitan Life Insurance Company**

This Updating Summary Prospectus summarizes key features of group flexible premium variable life insurance policies (the "Group Contracts") and the Certificates issued under the Group Contracts (the "Policies") of Metropolitan Life Insurance Company ("Metropolitan Life," "MetLife," "we," "our," "us" or "the Company").

The Prospectus for the Policies contains more information about the Policies, including features, benefits, and risks. You can find the current Prospectus and other information about the Policies online at https://dfinview.com/metlife/PUFT/MET000241. You can also obtain this information at no cost by calling (800)756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.com.

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

**Interests in the Separate Account, the Portfolios and the General 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 Policy 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 POLICY](#xx_6d30678a-d439-4ad3-800a-bbd7b21e2bbc_1) | 3  |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY](#xx_6d30678a-d439-4ad3-800a-bbd7b21e2bbc_1) | 3  |
| [GLOSSARY](#xx_075e8127-b917-4dab-9d46-b9b39204f9ae_1) | 6  |
| [APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE POLICY](#xx_74d6952e-c220-4255-98d4-dbab21a511b3_1) | A-1 |

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**UPDATED INFORMATION ABOUT YOUR POLICY**

The information in this Updating Summary Prospectus is a summary of certain Policy 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 Policy:

● 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 Policy" and Appendix A.

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

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

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Charges for Early** <br> **Withdrawals**<br>|  |  |  | —  |
| **Transaction Charges** | &nbsp;&nbsp; You may be subject to transaction charges that may apply if you <br> surrender your Policy or make a partial withdrawal. You also may be <br> charged for other transactions, such as when you make a premium <br> payment, transfer Cash Value between investment options, or <br> exercise your Accelerated Death Benefit Settlement Option Rider. | &nbsp;&nbsp; You may be subject to transaction charges that may apply if you <br> surrender your Policy or make a partial withdrawal. You also may be <br> charged for other transactions, such as when you make a premium <br> payment, transfer Cash Value between investment options, or <br> exercise your Accelerated Death Benefit Settlement Option Rider. | &nbsp;&nbsp; You may be subject to transaction charges that may apply if you <br> surrender your Policy or make a partial withdrawal. You also may be <br> charged for other transactions, such as when you make a premium <br> payment, transfer Cash Value between investment options, or <br> exercise your Accelerated Death Benefit Settlement Option Rider. | &nbsp;&nbsp; Charges and <br> Deductions — Transaction <br> Charges<br>|
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; In addition to charges described above, an investment in the Policy <br> is subject to certain ongoing fees and expenses, including a mortality <br> and expense risk charge, a monthly deduction covering the cost of <br> insurance under the Policy, a monthly administrative charge and <br> charges for optional benefits added by rider. Such fees and expenses <br> are set based on characteristics of the Insured (e.g., the age and <br> rate class of the covered person) as well as the Group <br> characteristics. Please refer to the specifications page of your Policy <br> for applicable rates.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> You will also bear expenses associated with the Portfolios available <br> under your Policy, as shown in the following table: | &nbsp;&nbsp; In addition to charges described above, an investment in the Policy <br> is subject to certain ongoing fees and expenses, including a mortality <br> and expense risk charge, a monthly deduction covering the cost of <br> insurance under the Policy, a monthly administrative charge and <br> charges for optional benefits added by rider. Such fees and expenses <br> are set based on characteristics of the Insured (e.g., the age and <br> rate class of the covered person) as well as the Group <br> characteristics. Please refer to the specifications page of your Policy <br> for applicable rates.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> You will also bear expenses associated with the Portfolios available <br> under your Policy, as shown in the following table: | &nbsp;&nbsp; In addition to charges described above, an investment in the Policy <br> is subject to certain ongoing fees and expenses, including a mortality <br> and expense risk charge, a monthly deduction covering the cost of <br> insurance under the Policy, a monthly administrative charge and <br> charges for optional benefits added by rider. Such fees and expenses <br> are set based on characteristics of the Insured (e.g., the age and <br> rate class of the covered person) as well as the Group <br> characteristics. Please refer to the specifications page of your Policy <br> for applicable rates.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> You will also bear expenses associated with the Portfolios available <br> under your Policy, as shown in the following table: | &nbsp;&nbsp; Charges and <br> Deductions — Monthly <br> Deduction<br> Charges and <br> Deductions — Mortality <br> and Expense Risk <br> Charge<br> Charges and <br> Deductions — Portfolio <br> Charges and Expenses |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | **ANNUAL FEE** | **MIN** | **MAX** | &nbsp;&nbsp; Charges and <br> Deductions — Monthly <br> Deduction<br> Charges and <br> Deductions — Mortality <br> and Expense Risk <br> Charge<br> Charges and <br> Deductions — Portfolio <br> Charges and Expenses |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Investment options (Portfolio fees <br> and expenses)<br>| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> 0.09% <br>| &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> 0.82%<br>| &nbsp;&nbsp; Charges and <br> Deductions — Monthly <br> Deduction<br> Charges and <br> Deductions — Mortality <br> and Expense Risk <br> Charge<br> Charges and <br> Deductions — Portfolio <br> Charges and Expenses |
|  | **RISKS** | **RISKS** | **RISKS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Risk of Loss** | &nbsp;&nbsp; You can lose money by investing in this Policy, including loss of <br> principal. | &nbsp;&nbsp; You can lose money by investing in this Policy, including loss of <br> principal. | &nbsp;&nbsp; You can lose money by investing in this Policy, including loss of <br> principal. | Principal Risks |
| **Not a Short-Term** <br> **Investment**<br>| &nbsp;&nbsp; The Policies are designed to provide insurance protection. They <br> should not be used as a short-term investment or if you need ready <br> access to cash, because you will be charged when you make <br> premium payments and you will also pay a transaction fee on partial <br> withdrawals. In addition, withdrawals may be subject to ordinary <br> income tax and tax penalties.  | &nbsp;&nbsp; The Policies are designed to provide insurance protection. They <br> should not be used as a short-term investment or if you need ready <br> access to cash, because you will be charged when you make <br> premium payments and you will also pay a transaction fee on partial <br> withdrawals. In addition, withdrawals may be subject to ordinary <br> income tax and tax penalties.  | &nbsp;&nbsp; The Policies are designed to provide insurance protection. They <br> should not be used as a short-term investment or if you need ready <br> access to cash, because you will be charged when you make <br> premium payments and you will also pay a transaction fee on partial <br> withdrawals. In addition, withdrawals may be subject to ordinary <br> income tax and tax penalties.  | Principal Risks |

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Risks Associated with** <br> **Investment Options**<br>| &nbsp;&nbsp; An investment in this Policy is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> Portfolios available under the Policy. Each investment option <br> (including any General Account investment option) has its own <br> unique risks. You should review the investment options before <br> making an investment decision. | Principal Risks |
| **Insurance Company** <br> **Risks**<br>| &nbsp;&nbsp; Investments in the Policy are subject to the risks related to <br> Metropolitan Life including any obligations (including under any <br> General Account investment option), guarantees, and benefits of the <br> Policy, including any death benefit, that are subject to the claims <br> paying ability of Metropolitan Life. If Metropolitan Life experiences <br> financial distress, it may not be able to meet its obligations to you. <br> More information about Metropolitan Life, including its financial <br> strength ratings, is available upon request by calling (800) 756-0124 <br> or visiting: https://www.metlife.com/about-us/corporate-profile/<br> ratings. | Principal Risks |
| **Contract Lapse** | &nbsp;&nbsp; Your Policy may lapse if you have paid an insufficient amount of <br> premiums or if the investment experience of the Portfolios is poor <br> and the Cash Surrender Value under your Policy is insufficient to <br> cover the monthly deduction. Lapse of a Policy on which there is an <br> outstanding loan may have adverse tax consequences. If the Policy <br> lapses, no death benefit will be paid. A Policy may be reinstated if <br> the conditions for reinstatement are met including the payment of <br> required premiums. | Principal Risks |
|  | **RESTRICTIONS**  | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Investments** | &nbsp;&nbsp; Policy owners may transfer Cash Value between and among the <br> Investment Divisions and the General Account (if available). At the <br> present time, no charge is assessed against the Cash Value of a <br> Policy when amounts are transferred among the Divisions of the <br> Separate Account and between the Divisions and the General <br> Account (if available), but we reserve the right to impose a charge of <br> $25 to cover administrative costs incurred in processing any transfer <br> in excess of 12 in a Policy year. We have limits on the amount that <br> may be allocated and transferred to the General Account (the <br> "maximum allocation percentage"). The initial General Account <br> maximum allocation percentage is shown on the Policy's <br> specifications page, and we may change this percentage from time to <br> time.<br> The total amount of transfers and withdrawals from the General <br> Account in a Policy Year may not exceed the greater of (i) the <br> Policy's Cash Surrender Value in the General Account at the <br> beginning of the Policy Year, multiplied by the withdrawal <br> percentage limit shown on the Policy's specifications page, or (ii) <br> the previous Policy Year's General Account maximum withdrawal <br> amount. We are not currently enforcing this restriction for partial <br> withdrawals. Restrictions may apply to frequent transfers. The <br> General Account may not be available under your Policy. You should <br> check with your Employer as to whether the General Account is <br> available under your Policy.<br> Metropolitan Life reserves the right to remove or substitute <br> Portfolios as investment options that are available under the Policy. | &nbsp;&nbsp; Policy <br> Benefits — Transfers<br>|

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| | | |
|:---|:---|:---|
|  | **RESTRICTIONS**  | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Optional Benefits** | &nbsp;&nbsp; Rider availability is subject to your Employer making the rider <br> available. Depending upon your Employer's requirements, certain <br> Policy riders may only be able to be added to in force Policies during <br> the Employer's annual enrollment. With respect to the Spouse's <br> Policy, depending upon your employer's elected benefit, you may also <br> need to be on active status. You should check with your Employer <br> regarding the availability of riders and whether you need to be on <br> active status to elect the Spouse's Policy.  | &nbsp;&nbsp; Features of the <br> Policy — Additional <br> Benefits and Riders<br>|
|  | **TAXES** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Tax Implications** | &nbsp;&nbsp; Consult with a tax professional to determine the tax implications of <br> an investment in and payments received under this Policy.<br> Withdrawals may be subject to ordinary income tax, and may be <br> subject to tax penalties.<br> Lapse of a Policy on which there is an outstanding loan may have <br> adverse tax consequences. | Federal Tax Matters |
|  | **CONFLICTS OF INTEREST** | &nbsp;&nbsp; **LOCATION IN**<br> **PROSPECTUS**<br>|
| **Investment** <br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; Your investment professional may receive compensation relating to <br> your ownership of a Policy. These investment professionals may have <br> a financial incentive to offer or recommend the Policy over another <br> investment. | &nbsp;&nbsp; Distribution of the <br> Policies<br>|
| **Exchanges** | &nbsp;&nbsp; Some investment professionals may have a financial incentive to <br> offer you a new policy in place of your current Policy. You should <br> only exchange your Policy if you determine, after comparing the <br> features, fees, and risks of both policies, that it is better for you to <br> purchase the new policy rather than continue to own your existing <br> Policy. | &nbsp;&nbsp; Distribution of the <br> Policies<br>|

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**GLOSSARY**

**Administrative Office** — The service office of the Company. The mailing address is: MetLife GVUL; Suite 600; 11330 Olive Boulevard; St. Louis, MO 63141. Unless another location is specified, all applications, notices and requests should be directed to the Administrative Office at the address above or, if permitted, by facsimile (also referred to as "fax"), email or through the Internet. You may also contact us for information at (800) 756-0124.

**Attained Age** — The Issue Age of the Insured plus the number of completed Policy Years.

**Associated Companies** — The companies listed in a Group Contract's specifications pages that are under common control through stock ownership, contract or otherwise, with the Contractholder.

**Beneficiary** — The person(s) named in a Policy or by later designation to receive Policy proceeds in the event of the Insured's death. A Beneficiary may be changed as set forth in the Policy and this Prospectus. Unless otherwise stated in the Policy, the Beneficiary has no rights in a Policy before the death of the Insured. If there is more than one Beneficiary at the death of the Insured, each will receive equal payments unless otherwise provided by the Owner.

**Cash Value** — The total amount that a Policy provides for investment at any time. It is equal to the total of the amounts credited to the Owner in the Separate Account, the General Account (if available), and in the Loan Account.

**Cash Surrender Value** — The Cash Value of a Policy on the date of surrender, less any Indebtedness, any accrued and unpaid monthly deduction and any applicable transaction charge.

**Certificate** — A document issued to Owners of Policies issued under Group Contracts, setting forth or summarizing the Owner's rights and benefits.

**Contractholder** — The Employer, association, sponsoring organization or trust that is issued a Group Contract.

**Division** — A subaccount of the Separate Account. Each Division invests exclusively in an available underlying Portfolio.

**Effective Date** — The actual date coverage shall take effect which will be on or after the Issue Date.

**Employee** — A person who is employed and paid for services by an Employer on a regular basis. To qualify as an Employee, a person ordinarily must work for an Employer at least 30 hours per week. Metlife may waive or modify this requirement at its discretion. An Employee may also include an independent contractor acting in many respects as an Employee with a sponsoring Employer. An Employee may include a partner in a partnership if the Employer is a partnership.

**Employer** — -The Employer, association, or sponsoring organization that is issued a Group Policy.

**Face Amount** — The minimum death benefit under the Policy so long as the Policy remains in force.

**Fund** — An underlying mutual fund in which the Separate Account assets are invested.

**General Account** — The Policy option where your money earns annual interest at a rate that will not be lower than the guaranteed minimum annual effective rate in effect on the issue date of your Group Contract, which in no event will be lower than 4% (3% if the General Account is first made available under the Policy on or after May 1, 2011). We may credit higher rates of interest, but are not obligated to do so. This may not be available on all Policies as an

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option. You should check with your Employer as to whether the General Account is available under your Policy. The General Account is part of the Company's general account.

**Group Contrac**t — A group flexible premium variable life insurance contract issued to the Contractholder by the Company.

**Indebtedness** — The sum of all unpaid Policy Loans and accrued interest charged on loans.

**Individual Insurance** — Insurance provided under a Group Contract or under an Individual Policy issued in connection with an Employer-sponsored insurance program on an Employee or an Employee's Spouse.

**Insured** — The person whose life is insured under a Policy. The term may include both an Employee and an Employee's Spouse.

**Investment Start Date** — The date the initial premium is applied to the General Account and/or to the Divisions of the Separate Account. This date is the later of the Issue Date or the date the initial premium is received at our Administrative Office.

**Issue Age** — The Insured's Age as of the date the Policy is issued.

**Issue Date** — The Issue Date is the date from which Policy Anniversaries, Policy Years, and Policy Months are measured.

**Loan Account** — The account of the Company to which amounts securing Policy Loans are allocated. It is a part of the Company's general account assets.

**Loan Value** — The maximum amount that may be borrowed under a Policy after the first Policy Anniversary.

**Maturity Date** — The Policy Anniversary on which the Insured reaches Attained Age 95.

**Monthly Anniversary** — The same date in each succeeding month as the Issue Date except that whenever the Monthly Anniversary falls on a date other than a Valuation Date, the Monthly Anniversary will be deemed the next Valuation Date. If any Monthly Anniversary would be the 29th, 30th, or 31st day of a month that does not have that number of days, then the Monthly Anniversary will be the last day of that month.

**Net Premium** — The premium less any premium expense charge, any charge to compensate us for anticipated higher corporate income taxes resulting from the sale of a Policy and, for Policies with Group A or Group B charge structure, any charge for premium taxes.

**Owner (or you)** — The Owner of a Policy, as designated in the application or as subsequently changed.

**Policy** — Either the Certificate or the Individual Policy offered by the Company and described in this Prospectus. Under Group Contracts, the Policy may be issued on the Employee or on the Employee's Spouse.

**Policy Anniversary** — The same date each year as the Issue Date.

**Policy Month** — A month beginning on the Monthly Anniversary.

**Policy Year** — A period beginning on a Policy Anniversary and ending on the day immediately preceding the next Policy Anniversary.

**Portfolio** — A portfolio represents a class (or series) of stock of a Fund in which a Division's assets are invested.

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**SEC (or the Commission)** — The Securities and Exchange Commission.

**Separate Account** — Paragon Separate Account C, a separate investment account established by the Company to receive and invest the net premiums paid under the Policy.

**Spouse** — An Employee's legal spouse. The term does not include a spouse who is legally separated from the Employee.

**Valuation Date** — Each day that the New York Stock Exchange is open for regular trading.

**Valuation Period** — The period between two successive Valuation Dates, commencing at the close of regular trading on the New York Stock Exchange (usually 4:00 p.m. Eastern Time) on a Valuation Date and ending at the close of regular trading on the New York Stock Exchange on the next succeeding Valuation Date.

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**APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE POLICY**

The following is a list of the Portfolios currently available under the Policy. 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 dfinview.com/metlife/PUFT/MET000241. You can also request this information at no cost by calling (800) 756-0124 or by sending an email request to GVUL-eservice@metlifecommercial.com.

The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Policy 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>|
| Allocation | &nbsp;&nbsp;&nbsp; Asset Manager 50% Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.51% | 14.98% | 5.67% | 7.13% |
| Allocation | &nbsp;&nbsp;&nbsp; Asset Manager 70% Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.62% | 18.29% | 7.64% | 8.87% |
| Allocation | &nbsp;&nbsp;&nbsp; Balanced Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.41% | 15.25% | 9.52% | 11.13% |
| US Equity | &nbsp;&nbsp;&nbsp; Contrafund<sup>®</sup> Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.54% | 21.52% | 15.37% | 15.78% |
| 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 2010 Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.38% | 10.53% | 3.15% | 5.73% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2020 Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.44% | 13.33% | 4.84% | 7.38% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2030 Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.49% | 15.52% | 6.25% | 8.88% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2040 Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.57% | 18.79% | 9.01% | 10.87% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2050 Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.60% | 19.79% | 9.43% | 11.08% |
| Target Date | &nbsp;&nbsp;&nbsp; Freedom 2060 Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.60% | 19.83% | 9.44% | —  |
| 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 & Income Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.47% | 21.50% | 16.11% | 13.84% |
| US Equity | &nbsp;&nbsp;&nbsp; Growth Opportunities Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.56% | 22.02% | 11.31% | 19.94% |
| US Equity | &nbsp;&nbsp;&nbsp; Growth Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.55% | 14.92% | 13.70% | 17.45% |
| US Fixed Income | &nbsp;&nbsp;&nbsp; High Income Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.81% | 10.36% | 4.22% | 5.59% |

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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; Index 500 Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br> Subadviser: Geode Capital Management, LLC<br>| 0.09% | 17.78% | 14.31% | 14.70% |
| 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; Mid Cap Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.55% | 11.75% | 10.10% | 10.59% |
| International Equity | &nbsp;&nbsp;&nbsp; Overseas Portfolio - Initial Class<br> Fidelity Management & Research Company LLC<br>| 0.72% | 20.39% | 6.62% | 7.93% |

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The fee and expense information regarding the Portfolios was provided by those Portfolios.

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To learn more about the Policy, you should read the Prospectus and SAI dated the same date as this Updating Summary Prospectus which are incorporated herein by reference and are legally a part of this Updating Summary Prospectus. They include additional information about the Policies and the Separate Account. You can find these documents on line at https://dfinview.com/metlife/PUFT/MET000241. For a free copy of the Prospectus and SAI, to receive free personalized illustrations of death benefits and Cash Values, and to request other information about the Policy, please call (800) 756-0124, send an email request to GVUL-eservice@metlifecommercial.com or write to us at our Administrative Office.

Managing your variable life policy 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 policy and sign-up for eDelivery!

EDGAR ID: C000034620

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