Institutional Income Annuities
Lifelong Income from MetLife^SM¹

Our Business is Helping You Grow Yours.

Institutional Income Annuities from MetLife can help you:

• Meet your business goals
• Make new contacts
• Leverage existing relationships
• Grow your business as a trusted adviser

 

Converting 401(k) accumulations to purchase an annuity can guarantee lifelong income. This chart is hypothetical in nature and is not intended to reflect any actual investments.

The Need for Retirement Income

Longevity
Most employees may underestimate how long they will live in retirement. The fact is, a 65 year-old male has a 50 percent chance of living beyond 85, and a 65-year-old female has a 50 percent chance of living beyond 88.²

Outliving Assets
Retirees risk outliving their assets, including their 401(k) retirement saving.

Inflation
Assuming 3.5% inflation, $1,000 today will be worth only $477.55 in 25 years and employees will need twice the income to stay even.

Shift in Responsibility
The decline of traditional defined benefit plans has forced employees to take control of their financial future and make retirement planning decisions that many of them are unprepared to make.

The Opportunity Has Never Been Greater
The Baby Boomers are reaching retirement just as many employers are cutting back on defined benefit plans and retiree health-care benefits. Most employees are saving far too little and not always investing in their future. In fact, 66 percent of employees have given little or no thought as to how to best manage their money in retirement so it does not run out.³ Very few employees know the risks they face in retirement.
 

¹Lifelong Income from MetLife is a suite of immediate and deferred income annuities with various features and benefits issued by Metropolitan Life Insurance Company, New York, NY 10166

² Society of Actuaries Annuity 2000 Mortality Tables

³2004 Retirement Confidence Survey (EBRI)

Like most annuity contracts, MetLife contracts contain exclusions, limitations, reductions of benefits, surrender charges and terms for keeping them in force. Your MetLife Representative can provide you with costs and complete details.

Lifelong Income from MetLife includes variable annuities. For more information on MetLife's variable annuities, including expenses and charges, please ask your MetLife representative for a prospectus or you can obtain a prospectus by calling 1-888-292-1630. You should carefully consider the information in the prospectus about the product's features, risks, charges and expenses and the investment objectives, risks and policies of the underlying funding choices. Please read the prospectus carefully before making these products available to your employees. Product availability and features may vary by state.

All guarantees are subject to the financial strength and claims-paying ability of Metropolitan Life Insurance Company. Insurance and annuities offered by Metropolitan Life Insurance Company. Securities products are offered through a MetLife affiliated broker-dealer, either Metropolitan Life Insurance Company (member NASD) or MetLife Securities, Inc. (member NASD/SIPC). both of 200 Park Avenue, New York, NY  10166. E0611R9HH(exp1108)MLIC-LD © 2006 Metropolitan Life Insurance Company, NY.

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