ANNUITIES | VARIABLE

MetLife Retirement Perspectives Variable Annuity

Underlying Funds Summary

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MetLife Retirement Perspectives Funding Options ASSET CLASS Cash 1-5 Year Fixed Aggregate Bond

Multi-Sector Bond High Yield Bond

Treasury Inflation Protected Securities Balanced

FUNDING OPTIONS • Fixed Account • Legg Mason Partners Variable Money Market Portfolio Z • Legg Mason Partners Variable Adjustable Rate Income Portfolio B,D,H • Western Asset Management U.S. Government Portfolio - Class A B • BlackRock Bond Income Portfolio - Class A B,F,H • Legg Mason Partners Investment Grade Bond Fund - Class A B,F,G,L,V • PIMCO Total Return Portfolio - Admin Class B,D,F,H • Pioneer Strategic Income Portfolio - Class A B,F,H • BlackRock High Yield Portfolio - Class A B,F,H • Legg Mason Partners Variable Global High Yield Bond Portfolio - Class I • Lord Abbett Bond Debenture Portfolio - Class A B,F,H,V

MORE CONSERVATIVE* Lower Potential Reward Lower Potential Volatility

B,F,H

ASSET CLASS Asset Allocation Asset Allocation Asset Allocation

• PIMCO Inflation Protected Bond Portfolio - Class A B,F,H • Legg Mason Partners Managed Assets Portfolio - Class A G,L,M,N,S • Legg Mason Partners Variable Capital and Income Portfolio - Class I B,F,G,H,L,M,S,V • MFS® Total Return Portfolio - Class F B,F,L,V • Clarion Global Real Estate Portfolio - Class A F,L,M,N,R,S • Lord Abbett Mid Cap Value Portfolio - Class B M,V • American Funds Global Growth Fund - Class 2 Shares F,G • Oppenheimer Global Equity Portfolio - Class B B,F,L,M,S • Templeton Growth Fund, Inc. - Class A F,V • American Funds Growth - Income Fund - Class 2 Shares F,G,L,V • BlackRock Large Cap Core Portfolio - Class E G,J,L,V • Legg Mason Partners Variable Appreciation Portfolio - Class I G,L,M,S,V • Legg Mason Partners Variable Equity Index Portfolio - Class II G,J,L,V • Legg Mason Value Equity Portfolio - Class B B,F,G,H,L,M,N,S,V • Lord Abbett Growth and Income Portfolio - Class B G,L,V • Pioneer Fund Portfolio - Class A B,R,V • BlackRock Large Cap Value Portfolio- Class B F,L,M,S,V • Davis Venture Value Portfolio - Class A F,L,V • FI Value Leaders Portfolio - Class D B,F,L,V • Legg Mason Partners Variable Fundamental Value Portfolio - Class I B,E,F,G,L,M,S,V • Legg Mason Partners Variable Investors Portfolio - Class I F,L,V • MFS® Value Portfolio - Class A B,F,L,V • Van Kampen LIT Comstock Portfolio - Class II Shares F • Dreman Small Cap Value Portfolio - Class A J,R,S,V • Third Avenue Small Cap Value Portfolio - Class B F,S,N,V • Fidelity VIP Mid Cap Portfolio - Service Class 2 G,M,V,W • Lazard Mid Cap Portfolio - Class A F,G,L,M,S,V • Harris Oakmark International Portfolio - Class A F,L,M,N,S,V • MFS® Research International Portfolio- Class B F,G,L,M,S,V • Templeton Foreign Securities Fund - Class 2 F,G • American Funds Growth Fund - Class 2 Shares F,G,L • BlackRock Legacy Large Cap Growth Portfolio- Class B B,F,G,L,V • Fidelity VIP Contrafund® Portfolio - Service Class 2 F,G,L,V,W • FI Large Cap Portfolio - Class A B,F,G,H,L • Janus Forty Portfolio - Class A B,F,G,H,L,M,S • Legg Mason Partners Aggressive Growth Portfolio - Class B B,F,G,H,L,N • Legg Mason Partners Variable Aggressive Growth Portfolio - Class I G,L,M,S • Legg Mason Partners Variable Large Cap Growth Portfolio G,L,M,S • Legg Mason Partners Variable Social Awareness Portfolio B,E,F,G,L,V • Met/AIM Capital Appreciation Portfolio - Class A F,G,S,V • Oppenheimer Capital Appreciation Portfolio - Class A F,G,L,M,S • T. Rowe Price Large Cap Growth Portfolio - Class B B,F,G,L,V • BlackRock Aggressive Growth Portfolio - Class D B,F,G,L,M,S • Janus Aspen Series Mid Cap Growth Portfolio - Service Shares G,M • MFS® Emerging Markets Equity Portfolio - Class A F,L,M,S • Templeton Developing Markets Securities Fund - Class 2 F • Legg Mason Partners Variable Small Cap Growth Portfolio - Class I G,S • Met/AIM Small Cap Growth Portfolio - Class A F,G,S • T. Rowe Price Small Cap Growth Portfolio - Class B B,F,G,S AMERICAN FUNDS ASSET ALLOCATION FUNDING OPTIONS • American Funds Balanced Allocation Portfolio - Class C B,F,G,H,L,M,N,S • American Funds Growth Allocation Portfolio - Class C B,F,G,H,L,M,N,S • American Funds Moderate Allocation Portfolio - Class C B,F,G,H,L,M,N,SST CLASS

ASSET CLASS Asset Allocation Asset Allocation Asset Allocation Asset Allocation Asset Allocation

METLIFE ASSET ALLOCATION FUNDING OPTIONS • MetLife Conservative Allocation Portfolio - Class B AA • MetLife Conservative to Moderate Allocation Portfolio - Class B AA • MetLife Moderate Allocation Portfolio - Class B AA • MetLife Moderate to Aggressive Allocation Portfolio - Class B AA • MetLife Aggressive Allocation Portfolio - Class B AA

REITs Mid Cap Value Global

Large Cap Blend

Large Cap Value

Small Cap Value Mid Cap Blend International

Large Cap Growth

Mid Cap Growth Emerging Market Small Cap Growth

Standard & Poor’s Investment Advisory Services LLC (“SPIAS”) believes that the chart on the left shows the approximate risk relationships among the asset classes for the funding options made available by MetLife Insurance Company of Connecticut under its variable products, from the most conservative to the most aggressive. Within each asset class, funding options are listed in alphabetical order. The ranking of asset classes (with the exception of the Fixed Account) is based on an analysis by SPIAS. In determining the ranking, discrete indices, which do not necessarily include the funding options offered by MetLife Insurance Company of Connecticut, served as proxies for each of the asset classes. Risk is based upon volatility, determined by computing the average standard deviations of monthly returns over rolling five year periods between 1992 and 2007. SPIAS makes no representation as to the performance of the available funding options relative to the index for their respective asset classes. Other methodologies for ranking asset classes may produce different results. Since past performance of investments is not necessarily indicative of their future results, no assurance can be given that the ranking of asset classes shown here will correspond to rankings in the future.

MORE AGGRESSIVE* Higher Potential Reward Higher Potential Volatility

* Within each asset class, funds listed alphabetically, not in risk/reward order, based upon portfolio’s legal name.

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A variable annuity can be an effective retirement savings option that offers the growth potential you need to help reach your long-term investment goals. A variable annuity also provides the flexibility and tools necessary to help you make the most of your retirement strategy, including: tax-deferral with tax-free transfers between sub-accounts(subject to certain restrictions); beneficiary protection in the form of a guaranteed death benefit; flexible investment strategies; diversification through professionally managed investment options; and guaranteed annuitized income with a variety of payout options. Keep in mind that variable annuities are complex, long-term investment vehicles designed for retirement purposes. Variable annuities have fees and charges associated with them including and not limited to mortality and expense risk charges, sales and surrender charges, and administrative fees. Withdrawals or surrenders may be subject to surrender charges. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 591⁄2, may be subject to a 10% Federal Income tax penalty.

Fixed Account The Fixed Account provides a fixed interest rate of return. This rate is guaranteed for one year following each initial purchase payment into the Fixed Account. At the end of the initial guarantee period, the first renewal rate will be guaranteed through the end of that calendar year. The second and all future renewal rates will be declared each subsequent January 1, and guaranteed through December 31 of each year. With a minimum guarantee of 3%, the Fixed Account offers the stability of a fixed fund value that will not be impacted by market fluctuations. All fixed account assets are guaranteed by the financial strength and claims paying ability of MetLife Insurance Company of Connecticut. There are restrictions on fixed to variable transfers.

Cash Legg Mason Partners Variable Money Market Portfolio – Seeks to maximize current income consistent with preservation of capital. The fund invests exclusively in high quality U.S. dollar denominated short-term debt securities. These include commercial paper, corporate and municipal obligations, obligations of U.S. and foreign banks, securities of the U.S. Government, its agencies or instrumentalities and related repurchase agreements. Z

1-5 Year Fixed Accounts Legg Mason Partners Variable Adjustable Rate Income Portfolio – Seeks to provide high current income and to limit the degree of fluctuation of its net asset value resulting from movements in interest rates. The fund normally invests at least 80% of the value of its net assets in adjustable rate securities or other investments with similar economic characteristics. The fund may also invest up to 20% of its net assets in fixed rate debt securities. The fund is also permitted to invest up to 20% of its net assets, including any borrowings, in investments that are rated below investment grade. B,D,H Western Asset Management U.S. Government Portfolio – Class A – Seeks to maximize total return consistent with preservation of capital and maintenance of liquidity. Invests at least 80% of its assets in fixed-income securities issued or guaranteed by the U.S. Government or its agencies, authorities or instrumentalities (“U.S. Government Securities”), including repurchase agreements collateralized by U.S. Government Securities, and collateralized mortgage obligations that relate to U.S. Government Securities. May also invest up to 20% of its total assets in investment grade fixedincome securities that are not U.S. Government Securities. B

Bond Funding Options BlackRock Bond Income Portfolio – Class A – Seeks a competitive total return primarily from investing in fixed-income securities. Invests in at least 80% of assets in fixed income securities, primarily investment grade. May invest up to 20% of total assets in high yield securities and up to 20% of total assets in foreign securities (including up to 10% in emerging markets), provided that the portfolio may not invest more than 30% of total assets in high yield securities and foreign securities (including emerging markets) combined. B,F,H BlackRock High Yield Portfolio – Class A – Seeks to maximize total return, consistent with income generation and prudent investment management. The portfolio will invest primarily in non-investment grade bonds with maturities of ten years or less. The Portfolio will normally invest at least 80% of its assets in high yield bonds, including convertible and preferred securities. B,F,H Legg Mason Partners Investment Grade Bond Fund – Class A – Seeks as high a level of current income as is consistent with prudent investment management and preservation of capital. Under normal circumstances, the fund invests at least 80% of the value of its net assets, plus any borrowings for investment purposes, in ‘‘investment grade’’ fixed income securities and related investments. B,F,G,L,V Legg Mason Partners Variable Global High Yield Bond Portfolio – Class I – Seeks to maximize total return, consistent with the preservation of capital. The fund invests primarily in high yield fixed income securities issued by U.S. and foreign corporations and foreign governments and their agencies and instrumentalities. The fund invests, under normal circumstances, at least 80% of its assets in high yield bonds and related investments. The fund will limit its investments in emerging market governmental issuers to 35% of its assets. B,F,H Lord Abbett Bond Debenture Portfolio – Class A – Seeks high current income and the opportunity for capital appreciation to produce a high total return. Invests its net assets in high yield and investment grade debt securities, but may also invest in securities convertible into common stocks. The portfolio may invest up to 80% of its total assets in high yield/high risk debt securities (junk bonds). At least 20% of its assets must be invested in any combination of investment grade debt securities, U.S. Government securities and cash equivalents. B,F,H,V PIMCO Inflation Protected Bond Portfolio – Class A – Seeks to provide maximum real return, consistent with preservation of capital and prudent investment management. Invests at least 80% of its net assets in inflation-indexed bonds of varying maturities issued by the U.S. and non-U.S. governments, their agencies and instrumentalities, and corporations (either through cash market purchases, forward commitments or derivative instruments). Inflation-indexed bonds issued by a foreign government are generally adjusted to reflect comparable inflation index, calculated by that government. B,F,H PIMCO Total Return Portfolio – Admin Class – Seeks maximum total return, consistent with preservation of capital and prudent investment management. Normally invests at least 65% of its assets in diverse fixed income instruments, primarily investment grade debt securities, U.S. Government securities, commercial paper and other short-term obligations. May invest in dollar denominated foreign securities and up to 30% of its assets in securities denominated in foreign currencies. May also invest in derivative instruments such as options, futures, swaps or mortgage or asset-backed securities. B,D,F, H 3|

Pioneer Strategic Income Portfolio – Class A – Seeks a high level of current income. Invests at least 80% of its net assets debt securities. The Portfolio invests primarily in debt securities issued or guaranteed by the U.S. government, its agencies, or instrumentalities or non-U.S. entities, debt securities of U.S. and non-U.S. corporate issuers, including convertible debt, and mortgage-backed and asset-backed securities. B,F,H

Balanced Accounts Legg Mason Partners Managed Assets Portfolio – Class A – Seeks high total return. The Portfolio invests among asset classes providing for capital growth, capital stability, and income. Assets are allocated to stocks and fixed-income securities based upon risk/return analysis. If risk/return characteristics of each asset class are neutral to the other asset classes, the Portfolio’s assets will be invested 60% in stocks and 40% in fixed-income securities. This portfolio may invest up to 20% of its assets in foreign equity securities. G,L,M,N,S Legg Mason Partners Variable Capital and Income Portfolio – Class I – Seeks total return (that is, a combination of income and long-term capital appreciation). The portfolio invests in equity and fixed income securities of both U.S. and foreign issuers. The fund seeks to generate income and appreciation by allocating portfolio assets to income and non-income producing equity and equity related securities, including common stocks, real estate investment trusts and convertible securities. B,F,G,H,L,M,S,V MFS® Total Return Portfolio – Class F – Seeks a favorable total return through investment in a diversified portfolio. Invests between 40%, and 75% of its net assets in equity securities, including common stocks, preferred stocks and securities convertible into stocks. Focuses on undervalued equity securities of companies with large market capitalizations. Invests at least 25% of its net assets in fixed-income securities. Fixed-income portion invests primarily in investment grade fixed-income securities. May also invest up to 25% of its net assets in foreign securities. B,F,L,V

Stock Accounts American Funds Global Growth Fund – Class 2 Shares – Seeks capital appreciation through stocks. Invests primarily in growth-oriented, equity type securities of companies located around the world. Investors in the fund should have a long-term perspective and be able to tolerate potentially wide price fluctuations. F,G American Funds Growth-Income Fund – Class 2 Shares – Seeks both capital appreciation and income. Invest primarily in common stocks or other securities that demonstrate the potential for appreciation and/or dividends. The fund may invest up to 15% of its assets in securities of issuers domiciled outside of the United States and not included in the S&P 500 Index. F,G,L,V American Funds Growth Fund – Class 2 Shares – Seeks capital appreciation through stocks. Invests primarily in common stocks of companies that appear to offer superior opportunities for growth of capital. May invest up to 15% of its assets in equity securities of issuers domiciled outside the U.S. and Canada and not included in the Standard & Poor’s 500 Composite Index. F,G,L BlackRock Aggressive Growth Portfolio – Class D – Seeks maximum capital appreciation. Invests at least 65% of total assets in equity securities (including fixed-income securities convertible into equity securities) of medium size companies. May also invest in smaller and larger companies. May also invest in fixed-income securities and foreign securities. B,F,G,L,M,S BlackRock Legacy Large Cap Growth Portfolio – Class B – Seeks long-term growth of capital. Invests at least 80% of net assets in large capitalization equity securities. Intends to invest in approximately 60-80 U.S.-traded companies. May also invest in foreign securities. B, F, G, L, V BlackRock Large Cap Core Portfolio – Class E – Seeks long-term capital growth. Invests primarily in a diversified portfolio of equity securities of large cap companies located in the United States. The Portfolio invests at least 80% of its assets in equity securities of large cap companies. The Portfolio uses an investment approach that blends growth (investing in equity securities that the Adviser believes have good prospects for earnings growth) and value and will seek to outperform its benchmark index, the Russell 1000 Index. The Portfolio may also invest in options and futures and other forms of derivatives. G,J,L,V BlackRock Large Cap Value Portfolio – Class B – Seeks long-term growth of capital. Invests at least 80% of net assets in common and preferred stocks of large capitalization companies. BlackRock considers large capitalization companies to be those with market capitalizations within the range of companies included in Russell 1000 Value Index. The portfolio may also invest up to 20% of its assets in smaller capitalization stocks. May also invest in foreign securities. F,L,M,S,V Clarion Global Real Estate Portfolio – Class A – Seeks to provide total return through investment in real estate securities, emphasizing both capital appreciation and current income. Invests at least 80% of its assets in equity securities issued by real estate investment trusts (“REITs”) and common stocks and other securities issued by other real estate companies. Invests in a number of different countries, including the U.S. F,L,M,N,R,S Davis Venture Value Portfolio – Class A – Seeks growth of capital. Invests the majority of its assets in equity securities of companies with market capitalizations of at least $10 billion. The Portfolio typically invests a significant portion of its assets in the financial services sector. May also invest in foreign securities. F,L,V Dreman Small-Cap Value Portfolio – Class A – Seeks capital appreciation. Invests at least 80% of its assets in common stocks and other equity securities of small U.S. companies. The Adviser then completes its fundamental analysis and purchases for the Portfolio what are believed to be the most attractive stocks, drawing on analysis of economic outlooks in various industries. The Adviser may favor companies from different industries at different times, which leads to sector and industry over and under weights in the Portfolio relative to the Index. Even so, diversification is an important characteristic of the Adviser’s investment philosophy. The Portfolio may invest up to 15% of its assets in REITs. J,R,S,V FI Large Cap Portfolio – Class A – Seeks long-term growth of capital. Invests at least 80% of assets in securities of companies with large market capitalizations, that is, similar to the market capitalization of companies in the S&P 500 Index or the Russell 1000 Index. Invests in companies believed to have above-average growth potential. The Russell 1000 Growth Index is used as a guide in structuring the Portfolio and selecting its investments. May also invest in fixed-income securities and foreign securities. B,F,G,H,L FI Value Leaders Portfolio – Class D – Seeks long-term growth of capital. Invests primarily in common stocks of well-known and established companies. May invest in fixed income securities. May also invest in foreign securities. B,F,L,V

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Fidelity Contrafund® Portfolio – Service Class 2 – Seeks capital appreciation. Invests primarily in common stocks of domestic and foreign companies that are undervalued in the market. The portfolio looks for overlooked opportunities, such as companies in turnaround situations – corporate restructuring, new product development, and merger or acquisition. Emphasis is on potential for earnings generation, based on the belief that stock prices follow earnings. F,G,L,V,W Fidelity Mid Cap Portfolio – Service Class 2 – Seeks long-term growth of capital. Normally invests at least 80% of assets in common stocks of mid-cap companies – those with market capitalizations similar to companies in the Russell Midcap Index or the Standard & Poor’s MidCap 400 Index. May also invest in small- and large-cap companies, domestic and foreign issuers, and growth and value stocks. G,M,V,W Harris Oakmark International Portfolio – Class A – Seeks long-term capital appreciation. Invests primarily in common stock of non-U.S. companies in both mature markets and less developed markets. It is expected that no more than 35% of assets will be invested in emerging markets. The Portfolio is classified as ‘non-diversified’ however, it is expected that investments will be made in 30-60 companies. F,L,M,N,S,V Janus Aspen Series Mid Cap Growth Portfolio – Service Shares – Seeks long-term growth of capital. Invests normally at least 80% of its net assets in equity securities of mid-sized companies whose market capitalization falls, at the time of purchase, within the 12-month average of the capitalization range of the Russell Midcap Growth Index. G,M Janus Forty Portfolio – Class A – Seeks capital appreciation. The Portfolio normally invests as least 65% of its total assets in equity securities of issuers of any size and industry. The Adviser selects stocks primarily through a company analysis, with a focus on identifying prospective capital growth. The Portfolio is non-diversified. The Portfolio may invest a significant portion of its assets in debt securities including bonds rated below investment grade and 25% of its total assets in foreign securities. B,F,G,H,L,M,S Lazard Mid-Cap Portfolio – Class A – Seeks long-term growth of capital. The Portfolio invests primarily in equity securities, principally common stocks, of mid cap U.S. companies that the Investment Manager believes are undervalued based on their earnings, cash flow or asset values. F,G,L,M,S,V Legg Mason Partners Aggressive Growth Portfolio – Class B – Seeks capital appreciation. The fund may invest in the securities of large, wellknown companies that offer prospects of long-term earnings growth. A significant portion of the fund’s assets may be invested in the securities of small- to medium-sized companies. The manager focuses primarily, but not exclusively, on emerging growth companies that have passed their “start-up” phase and show positive earnings and the prospect of achieving significant profit gains beginning in the two to three years after the fund acquires their stocks. This Portfolio is non-diversified. B,F,G,H,L,N Legg Mason Partners Variable Aggressive Growth Portfolio – Class I – Seeks capital appreciation. Invests primarily in common stocks of companies the manager believes are experiencing, or will experience, growth in earnings that exceeds the average rate of earnings growth of the companies comprising the S&P 500 Index. G,L,M,S Legg Mason Partners Variable Fundamental Value Portfolio – Class I – Seeks long-term capital growth. Current income is a secondary consideration. The fund invests primarily in common stocks and common stock equivalents of companies the portfolio manager believes are undervalued in the marketplace. While the portfolio manager selects investments primarily for their capital appreciation potential, secondary consideration is given to a company’s dividend record and the potential for an improved dividend return. B,E,F,G,L,M,S,V Legg Mason Partners Variable Appreciation Portfolio – Class I – Seeks long-term appreciation of capital. The fund invests primarily in equity securities of U.S. companies. The fund typically invests in medium and large capitalization companies, but may also invest in small capitalization companies. G,L,M,S,V Legg Mason Partners Variable Equity Index Portfolio – Class II – Seeks investment results that, before expenses, correspond to the price and yield performance of the S&P 500® Index. Under normal circumstances, the fund invests at least 80% of its net assets, plus any borrowings for investment purposes, in equity securities, or other investments with similar economic characteristics, included in the S&P 500 Index. The fund invests at least 90% of its assets in common stocks included in the S&P 500 Index. G,J,L,V Legg Mason Partners Variable Investors Portfolio – Class I – Seeks long-term growth of capital. Current income is a secondary objective. Invests primarily in common stocks of established U.S. companies. The fund may also invest in other equity securities. To a lesser degree, the fund invests in income producing securities such as debt securities. The fund may also invest up to 20% of its net assets in securities of foreign issuers. F,L,V Legg Mason Partners Variable Large Cap Growth Portfolio – Seeks long-term growth of capital. The fund invests, under normal circumstances, at least 80% of its net assets, plus any borrowings for investment purposes, in equity securities or other investments with similar economic characteristics of U.S. companies with large market capitalizations. G,L,M,S Legg Mason Partners Variable Small Cap Growth Portfolio – Class I – Seeks long-term growth of capital. The fund invests, under normal circumstances, at least 80% of its assets in equity securities of companies with small market capitalizations and related investments. G,S Legg Mason Partners Variable Social Awareness Portfolio – Seeks capital appreciation and retention of net investment income. The fund invests primarily in common stocks and other equity securities of U.S. companies. The fund targets a 30% investment (normally between 25% and 35%) in fixed income securities. The fund emphasizes companies that both offer attractive investment opportunities and demonstrate a positive awareness of their impact on the society in which they operate, relative to other companies in their industries. B,E,F,G,L,V Legg Mason Value Equity Portfolio-Class B – Seeks long-term growth of capital. The Portfolio normally invests at least 80% of its net assets in equity securities that the Adviser believes offer the potential for capital growth. The Portfolio primarily invests in common stocks and may also invest in other types of equity securities. The Portfolio may invest in U.S. issuers and up to 25% of its net assets in foreign issuers. May invest up to 20% of its total assets in long-term debt securities of companies. B,F,G,H,L,M,N,S,V

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Lord Abbett Growth and Income Portfolio – Class B – Seeks long-term growth of capital and income without excessive fluctuation in market value. Invests primarily in equity securities of large, seasoned, U.S. and multinational companies that the Adviser believes are undervalued. Under normal circumstances, the Portfolio will invest at least 80% of its net assets in equity securities of large companies. Equity securities in which the Portfolio may invest may include common stocks, preferred stocks, convertible securities, warrants, and similar instruments. G,L,V Lord Abbett Mid-Cap Value Portfolio – Class B – Seeks capital appreciation through investments primarily in equity securities which are believed to be undervalued in the marketplace. Invests at least 80% of its net assets in equity secuities of mid-sized companies. Equity securities in which the Portfolio may invest include common stocks, convertible bonds, convertible preferred stocks, warrants and similar instruments. M,V Met/AIM Capital Appreciation Portfolio – Class A – Seeks capital appreciation. Invests principally in common stocks of domestic and foreign companies the Adviser believes are likely to benefit from new or innovative products, services or processes and have excellent prospects for future growth. The Portfolio will not invest more than 25% of its total assets in foreign securities. The Portfolio may invest in small, relatively new or unseasoned companies. The Portfolio may also purchase call options, but not for speculative purposes, and write covered call options on no more than 20% of the value of its net assets. F,G,S,V Met/AIM Small Cap Growth Portfolio – Class A – Seeks long-term growth of capital. Invests at least 80% of its net assets in securities of small-cap companies. May invest up to 20% of its assets in securities of companies whose market capitalizations falls outside of this range, and in investmentgrade non-convertible debt securities, U.S. government securities and high-quality money market instruments. May also invest up to 25% of its total assets in foreign securities. F,G,S MFS® Emerging Markets Equity Portfolio – Class A – Seeks capital appreciation. Invests at least 80% of its net assets in equity investments of issuers that are tied economically to emerging market countries. F,L,M,S MFS® Research International Portfolio – Class B – Seeks capital appreciation. The Portfolio normally invests its assets primarily in foreign equity securities, including emerging market equity securities. The Portfolio may invest its assets in the stock of companies it believes to have above average earnings growth potential compared to other companies (growth companies), in the stock of companies it believes are undervalued compared to their perceived worth (value companies), or in a combination of growth and value companies. F,G,L,M,S,V MFS® Value Portfolio – Class A – Seeks capital appreciation and reasonable income. Invests at least 80% of its assets in equity securities (including fixed-income securities convertible into equity securities) of large capitalization U.S. companies. Invests in companies believed to be undervalued compared to their perceived worth (“value" companies”). May also invest in foreign securities. B,F,L,V Oppenheimer Capital Appreciation Portfolio – Class A – Seeks capital appreciation. Invests mainly in common stocks of growth companies, currently focusing mainly on mid-cap and large-cap domestic companies. May also invest in foreign securities. F,G,L,M,S Oppenheimer Global Equity Portfolio – Class B – Seeks capital appreciation. Invests 80% of net assets in equity securities (primarily common stock) of U.S. and foreign based companies. The Portfolio can invest without limit in foreign securities and can invest in any country, including countries with emerging markets. However, the Portfolio currently emphasizes its investments in developed markets such as the United States, Western European countries and Japan. The Portfolio does not limit its investments to companies in a particular capitalization range, but currently focuses its investments on mid- and large-cap companies. B,F,L,M,S Pioneer Fund Portfolio – Class A – Seeks reasonable income and capital growth. The Portfolio invests substantially in equity securities, primarily of U.S. issuers. Equity securities include common stocks, convertible debt, depositary receipts, warrants, rights, preferred stocks and equity interests in real estate investment trusts (“REITs”). The Portfolio may invest up to 20% of its net assets in REITs. The Adviser uses a value approach to select the Portfolio’s investments. B,R,V T. Rowe Price Large Cap Growth Portfolio – Class B – Seeks long-term growth of capital and, secondarily, dividend income. Invests at least 80% of its assets in equity securities (including fixed income securities into equity securities) of a diversified group of large capitalization growth companies that, at the time of purchase, have a market capitalization within the range of the market capitalization of companies included in the Russell 1000 Index. May also invest in foreign securities. B,F,G,L,V T. Rowe Price Small Cap Growth Portfolio – Class B – Seeks long-term capital growth. Invests at least 80% of its assets in small capitalization companies whose market capitalizations, at the time of purchase, fall within the range of, or are smaller than, the market capitalizations of the smallest 100 companies in the S&P 500 Index. May also invest in foreign securities. B,F,G,S Templeton Developing Markets Securities Fund – Class 2 – Seeks long-term capital appreciation. The Fund normally invests at least 80% of its net assets in emerging market investments and normally invests predominantly in equity securities. F Templeton Foreign Securities Fund – Class 2 – Seeks long-term capital growth. The Fund normally invests at least 80% of its net assets in investments of issuers located outside the U.S., including those in emerging markets and normally invests predominantly in equity securities. F,G Templeton Growth Fund, Inc. – Class A – Seeks long term capital growth. Under normal market conditions, the Fund invests primarily in the equity securities of companies located anywhere in the world, including emerging markets. F,V Third Avenue Small Cap Value Portfolio – Class B – Seeks long-term capital appreciation. Invests at least 80% of its net assets in equity securities of small companies. The portfolio may also invest up to 35% in foreign securities. The portfolio is non-diversified. F,S,N,V Van Kampen LIT Comstock Portfolio – Class II Shares – Seeks capital growth and income through investments in equity securities, including common stocks, preferred stocks and securities convertible into common and preferred stocks. Seeks to achieve the portfolio’s investment objective by investing in a portfolio of equity securities, consisting principally of common stocks. The Portfolio emphasizes a value style of investing seeking well-established, undervalued companies. F

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American Funds Asset Allocation Funding Options American Funds Balanced Allocation Portfolio – Class C – Seeks a balance between a high level of current income and growth of capital with a greater emphasis on growth of capital. Invests in Class 1 shares of a diversified group of Underlying Portfolios of the American Funds Insurance Series. Under normal circumstances, the Portfolio primarily invests in large cap, small cap, mid cap and international equity Underlying Portfolios and also invests in fixed income Underlying Portfolios in accordance with targeted allocations of 65% to equity securities and 35% to fixed income securities. The Portfolio is non-diversified. B,F,G,H,L,M,N,S American Funds Growth Allocation Portfolio – Class C – Seeks Growth of capital. Invests in Class 1 shares of a diversified group of Underlying Portfolios of the American Funds Insurance Series. Under normal circumstances, the Portfolio primarily invests in large cap, small cap, mid cap and international equity Underlying Portfolios and also invests in fixed income Underlying Portfolios in accordance with targeted allocations of 85% to equity securities and 15% to fixed income securities. The Portfolio is non-diversified. B,F,G,H,L,M,N,S American Funds Moderate Allocation Portfolio – Class C – Seeks a high total return in the form of income and growth of capital, with a greater emphasis on income. Invests in Class 1 shares of a diversified group of Underlying Portfolios of the American Funds Insurance Series. Under normal circumstances, the Portfolio primarily invests in large cap, small cap, mid cap and international equity Underlying Portfolios and also invests in fixed income Underlying Portfolios in accordance with targeted allocations of 50% to equity securities and 50% to fixed income securities. The Portfolio is non-diversified. B,F,G,H,L,M,N,S

MetLife Asset Allocation Funding Options MetLife Conservative Allocation Portfolio – Class B – Seeks high level of current income, with growth of capital as a secondary objective. Invests in Class A shares of a diversified group of underlying portfolios of the Metropolitan Series Fund, Inc. and the Met Investors Series Trust. Primarily invests in underlying portfolios that hold fixed-income securities and also invests in underlying portfolios that hold large cap, mid cap, small cap and international equity securities based on a target allocation of 80% to fixed-income securities and 20% to equity securities. AA MetLife Conservative to Moderate Allocation Portfolio – Class B – Seeks high total return in the form of income and growth of capital, with a greater emphasis on income. Invests in Class A shares of a diversified group of underlying portfolios of the Metropolitan Series Fund, Inc. and the Met Investors Series Trust. Primarily invests in underlying portfolios that hold fixed-income securities and also invests in underlying portfolios that hold large cap, mid cap, small cap and international equity securities based on a target allocation of 60% to fixed-income securities and 40% to equity securities. AA MetLife Moderate Allocation Portfolio – Class B – Seeks a balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital. Invests in Class A shares of a diversified group of underlying portfolios of the Metropolitan Series Fund, Inc. and the Met Investors Series Trust. Primarily invests in underlying portfolios that hold large cap, mid cap, small cap and international equity securities and also invests in underlying portfolios that hold fixed-income securities based on a target allocation of 60% to equity securities and 40% to fixedincome securities. AA MetLife Moderate to Aggressive Allocation Portfolio – Class B – Seeks growth of capital. Invests in Class A shares of a diversified group of underlying portfolios of the Metropolitan Series Fund, Inc. and the Met Investors Series Trust. Primarily invests in underlying portfolios that hold large cap, mid cap, small cap and international equity securities and also invests in underlying portfolios that hold fixed-income securities based on a target allocation of 80% to equity securities and 20% to fixed-income securities. AA MetLife Aggressive Allocation Portfolio – Class B – Seeks growth of capital. Invests in Class A shares of a diversified group of underlying portfolios of the Metropolitan Series Fund, Inc. and the Met Investors Series Trust. Primarily invests in underlying portfolios that hold large cap, mid cap, small cap and international equity securities based on a target allocation of 100% to equity securities. AA B Bond and other fixed-income securities involve both credit risk and market risk, which includes interest rate risk. Credit risk is the risk that the security’s issuer will not pay the interest, dividends or principal that it has promised to pay. Market risk is the risk that the value of the security will fall because of changes in market rates of interest or other factors. Interest rate risk reflects the fact that the values of fixed-income securities tend to fall as interest rates rise. When interest rates go down, interest earned on fixed-income securities will tend to decline. D The Portfolio may use derivative instruments for hedging purposes or as part of its investment strategy. Use of these instruments may involve certain costs and risks such as liquidity risk, interest rate risk, market risk, credit risk, management risk and the risk that a fund could not close out a position when it would be most advantageous to do so. Portfolios investing in derivatives could lose more than the principal amount invested in those instruments. E Exchange Traded Funds (ETF) purchases and sales are made on the open market and as such are subject to ordinary commission charges by the Broker/Dealer firm who executes the transaction. Trading throughout the day, the value of an ETF may be more or less than the net asset value of the underlying holdings. Additionally, the spread between the bid and ask prices will cause the price at which you can immediately sell an ETF share you just purchased to be lower than the price you paid for it. There is no guarantee that an ETF will meet the objectives of its underlying portfolio. F Foreign securities pose additional risks that are not associated with U.S. domestic issues, such as changes in currency exchange rates and different governmental regulations, economic conditions and accounting standards. G Invests in growth stocks, the prices of which may be more sensitive to changes in current or expected earnings than the prices of other stocks. Growth stocks may not perform as well as value stocks or the stock market in general. H Lower rated high yield, high risk securities generally involve more credit risk. These securities may also be subject to greater market price fluctuations than lower yielding, higher rated debt securities. J Market indices referenced are unmanaged and representative of large and small domestic and international stocks and bonds, each with unique risks. Information about them is provided to illustrate market trends and does not represent the performance of any specific investment. You cannot invest directly in an index. L Invests in the common stock of large capitalization companies. These investments may not be able to attain the growth rates as high as those of successful smaller capitalization companies, especially during extended periods of economic expansion. M The common stocks of medium-sized companies may be more volatile than those of larger, more established companies.

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N The portfolio is classified as “nondiversified”, meaning it has the ability to take larger positions in a smaller number of issuers than a “diversified” fund. Nondiversified funds may experience greater price volatility. R Investing in real estate involves special risks, which may not be associated with investing in stocks, including possible declines in real estate values, adverse economic conditions, and changes in interest rates. S Investments in small capitalization and emerging growth companies involve greater than average risk. Such securities may have limited marketability and the issuers may have limited product lines, markets and financial resources. The value of such investments may fluctuate more widely than investments in larger, more established companies. V Invests in stocks that tend to trade at lower prices relative to their fundamental financial characteristics and are therefore considered undervalued. Value stocks can perform differently than other categories of stocks (e.g., growth stocks) and can continue to be undervalued by the market for long periods of time. W These funding choices are Fidelity Variable Insurance Products funds that are designed as investment vehicles for variable annuity and variable life insurance contracts of insurance companies. MetLife receives a fee from Fidelity for providing certain recordkeeping and administrative services. You are not responsible for these fees. Z An investment in the Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Portfolio seeks to preserve the value of your investment, it is possible to lose money by investing in the Portfolio. AA The Asset Allocation Portfolios may invest in all the asset classes of the underlying portfolios. Consequently, all the risks and other information listed in these footnotes may apply. The Asset Allocation Portfolios may also invest in the BlackRock Money Market Portfolio and RCM Technology Portfolio. An investment in the BlackRock Money Market Portfolio is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Money Market Portfolio seeks to preserve the value of your investment at $100.00 per share, it is possible to lose money by investing in the Portfolio. The technology industry can be significantly affected by obsolescence, short product cycles, falling prices and profits, and competition from new market participants. Funding choices that primarily invest in one sector are more volatile than those that diversify across many industry sectors and companies. While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made to one of these asset allocation models neither guarantees a profit nor prevents the possibility of loss. Rider X – More About Asset Allocation Portfolios: MetLife Advisers, LLC is the investment adviser to the MetLife asset allocation portfolios. Met Investors Advisory, LLC is the investment adviser to the American Funds asset allocation portfolios. The investment adviser chooses the underlying funding options for each portfolio and the proportions of each underlying funding option within each portfolio. Standard and Poor’s Investment Advisory Services LLC (“SPIAS”) serves as consultant to MetLife Advisers, LLC for the MetLife asset allocation portfolios. SPIAS does not provide advice to MetLife’s underlying clients or have any discretionary authority or control with respect to purchasing or selling securities, and does not act as a “fiduciary” or “investment manager,” as defined under ERISA, to any investor. SPIAS makes no warranties, express or implied, as to results to be obtained from the information provided by it, and neither SPIAS nor its affiliates endorse, sell or promote this product or make any recommendations as to the advisability of investing in it. While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified. An investment made according to one of these asset allocation models neither guarantees a profit nor prevents the possibility of loss. Asset allocation portfolios are “fund of funds” portfolios. Because of this two-tier structure, each asset allocation portfolio bears its own investment management fee and xpenses as well as its pro rata share of the management fee and expenses of the underlying portfolios. The Contract Owner may be able to realize lower aggregate expenses by investing directly in the underlying portfolios instead of investing in an asset allocation portfolio. In that case, you would not receive the asset allocation services provided by an investment adviser. MetLife Retirement Perspectives variable annuity is issued by MetLife Insurance Company of Connecticut under policy form numbers L-14663 (allocated) and L-14634 (unallocated), One Cityplace, Hartford, CT 06103-3415. Products are distributed by MetLife Investors Distribution Company, 5 Park Plaza, Suite 1900, Irvine, CA 92614. Purchase of the contract through a qualified plan does not provide any additional tax deferral benefits beyond those already provided through the plan. If you are purchasing the contract through a plan, you should consider it for its death benefit, annuity options and other non-tax related benefits. Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax advisor.

MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. You should consult with and rely on your own independent legal and tax advisers regarding your particular set of facts and circumstances.

This material must be preceded or accompanied by a prospectus (or product disclosure memorandum) for the MetLife Retirement Perspectives variable annuity. Prospectuses for the investment portfolios are available from your Plan Trustee or financial professional. The contract prospectus and disclosure memorandum contain information about the contract’s features, risks, charges and expenses. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Please read the prospectuses (or disclosure memorandum) and consider this information carefully before investing. Product availability and features may vary by state. MetLife of Connecticut variable annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. See your representative for complete details. There is no guarantee that any of the variable investment options in this product will meet their stated goals or objectives. The account value is subject to market fluctuations so that, when withdrawn, it may be worth more or less than its original value. All product guarantees are based on the claims-paying ability and financial strength of the issuing insurance company.

MetLife Insurance Company of Connecticut One Cityplace Hartford, CT 06103-3415 0802-7337 PRC31 L04081023[exp0509] © 2008 METLIFE, INC. PEANUTS © United Feature Syndicate, Inc.