Form 497VPU METROPOLITAN LIFE SEPARA
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E-mailApril 27,
2026
Updating Summary Prospectus for Investors in ZENITH ACCUMULATOR
Individual Variable Annuity Contracts
Issued By Metropolitan Life Separate Account E of Metropolitan Life Insurance Company
This Updating Summary Prospectus includes updating information about flexible and single purchase payment
variable annuity contracts (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/MET000207. You can also obtain this information at no
cost by calling our Designated Office at (833) 642-1008, or by sending an email request to
[email protected].
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.
Please note that the Contracts and the Portfolios are not guaranteed to achieve their goals. 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.
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
| |
FEES, EXPENSES AND ADJUSTMENTS |
LOCATION IN
PROSPECTUS | ||
| Are there Charges for
Early Withdrawals? |
Yes. If you withdraw money from the Contract before 11 Contract Years after Contract issue, you may be assessed a contingent deferred sales charge of up to 8% of Contract Value withdrawn. You
will also be assessed a contingent deferred sales charge if you apply
the surrender proceeds to certain annuity payment
options. For example, if you make an early withdrawal, you
could pay a contingent deferred sales charge of up to
$8,000 on a $100,000 investment. |
Fees | ||
| Are there Transaction
Charges? |
Yes. You may be charged for transactions such as charges for transferring Account Value between Divisions, between the Divisions
and the Fixed Interest Account, as well as a premium tax charge, if
applicable. |
Fees | ||
| Are there Ongoing Fees
and Expenses? |
Yes. The table below describes the fees and expenses that you may pay each year, depending on the investment options and optional benefits you choose. Please refer to your Contract specifications
page for information about the specific fees you will pay each year
based on the options you have elected. |
Fees | ||
| Annual Fee |
Minimum |
Maximum | ||
| Base Contract |
1.39%(1) |
1.39%(1) | ||
| Portfolio fees and expenses |
0.28%(2) |
1.38%(2) | ||
| (1)
Account. The Base Contract Fee includes 0.04% for the
Administration Contract Charge. The Administration Contract
Charge is $30 annually. We do not impose this charge
after Annuitization. The Administration Contract Charge
is applied per Contract. The Base Contract Fee also
includes the Mortality and Expense Risk Charge and
Administration Asset Charge, equal, on an annual basis,
to 1.35%. (2)
| ||||
3
| |
FEES, EXPENSES AND ADJUSTMENTS |
LOCATION IN
PROSPECTUS | ||
| |
Because your Contract is customizable, the choices you make affect
how much youwill pay. To help understand the cost of owning your
Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which
could add Withdrawal Charges that substantially
increase costs. |
| ||
| |
Lowest Annual Cost: |
Highest Annual Cost: |
| |
| |
$1,550 |
$2,449 | ||
| Assumes:
●Investment of $100,000 ●5% annual appreciation
●Least expensive Portfolio fees and expenses ●No optional benefits
●No sales charges ●No additional purchase
payments, transfers or
withdrawals |
Assumes:
●Investment of $100,000 ●5% annual appreciation
●Most expensive combination of optional benefits and Portfolio fees and expenses ●No sales charges
●No additional purchase payments, transfers or withdrawals | |||
| |
RISKS |
LOCATION IN
PROSPECTUS | ||
| Is there a Risk of Loss
from Poor
Performance? |
Yes. You can lose money by investing in the Contract, including loss
of principal. |
Principal Risks of
Investing in the Contract | ||
| Is this a Short-Term
Investment? |
No. This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. ●Amounts withdrawn from the Contract may result in surrender
charges, tax and tax penalties.
●Withdrawal Charges will reduce the value of your Contract if you
withdraw money during that time.
●The benefits of tax deferral means that the Contract is more beneficial to investors with a long time horizon. ●Earnings on your Contract are taxed at ordinary income tax
rates when you withdraw them. You may also have to pay a
penalty if you take a withdrawal before age 59 1∕2. |
Is this a Short-Term
Investment? | ||
| What are the Risks
Associated with
Investment Options? |
●An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract (e.g., Portfolios). ●Each investment option (including any Fixed Interest Account
investment option) will have its own unique
risks. ●You should review these investment options before making an investment decision. ●Subject to certain limitations, if your Account Value falls
below the minimum Account Value or is not sufficient to
pay the Contract charges, we may terminate your
Contract. |
Principal Risks of Investing in the Contract | ||
4
| |
RISKS |
LOCATION IN
PROSPECTUS | ||
| What are the Risks
Related to the
Insurance Company? |
An investment in the Contract is subject to the risks related to the
Company. Any obligations (including under the Fixed
Interest Account), guarantees, or benefits, including any
death benefit, are subject to the claims-paying ability
of the Company, and our long term ability to make such
payments, and are not guaranteed by any other party.
MetLife is regulated as an insurance company under state
law, which generally includes limits on the amount and type of investments in its general account. However, there is no guarantee
that we will be able to meet our claims paying obligations; there are
risks to purchasing any insurance product. More
information about the Company, including its financial
strength ratings, is available upon request by visiting
https://www.metlife.com/about-us/
corporate-profile/ratings. |
Principal Risks of
Investing in the Contract | ||
| |
RESTRICTIONS |
LOCATION IN
PROSPECTUS | ||
| Are there Restrictions
on the Investment
Options? |
Yes. Currently, during the accumulation phase, there is no charge for
the first twelve transfers between Divisions per Contract Year. There
is a $10 fee for each transfer thereafter. The Company
reserves the right to impose a transfer charge for
transfers in excess of four per Contract Year. After
variable annuity payments have commenced, you may make
one transfer per year without the consent of the Company,
and the Fixed Interest Account is not available under
variable payment options. We reserve the right to add, remove or
substitute Portfolios. The Company also has policies and
procedures that attempt to detect and deter frequent
transfers in situations where we determine there is a
potential for arbitrage trading, and in those instances,
there are additional limits that apply to transfers. |
Transfers | ||
| Are There any
Restrictions on
Contract Benefits? |
No. |
| ||
| |
TAXES |
LOCATION IN
PROSPECTUS | ||
| What are the Contract's
Tax Implications? |
●You should consult with a tax professional to determine the tax
implications of an investment in and purchase payments received
under the Contract.
●There is no additional tax benefit if you purchase the Contract
through a tax-qualified plan or individual retirement account
(IRA).
●If your Contract was purchased through a tax-qualified plan or IRA, withdrawals will be subject to ordinary income tax. If your
Contract is not tax-qualified, earnings on your Contract are taxed
at ordinary income tax rates when you withdraw them. You
may also have to pay a penalty if you take a withdrawal
before age 59 1∕2. |
Federal Tax
Considerations | ||
| |
CONFLICTS OF INTEREST |
LOCATION IN
PROSPECTUS | ||
| How are Investment
Professionals
Compensated? |
Your investment professional may receive compensation for selling
this Contract to you, both in the form of commissions and
because MetLife may share the revenue it earns on this
Contract with the professional’s firm. This
conflict of interest may influence your investment
professional to recommend this Contract over another
investment. |
Distribution of the Contracts | ||
5
| |
CONFLICTS OF INTEREST |
LOCATION IN
PROSPECTUS | ||
| Should I Exchange My
Contract? |
Some investment professionals may have a financial incentive to
offer you a new contract in place of the one you own. You
should only exchange your Contract if you determine,
after comparing the features, fees, and risks of both
contracts, that it is better for you to purchase the new
contract rather than continue to own your existing
Contract. |
Exchanges/Transfers | ||
6
GLOSSARY
We have tried to make this Prospectus as understandable for you as possible. However, in explaining how the Contract works, we use certain terms that have special meanings. These terms are defined below:
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.
Account Balance, Account Value or Contract Value — Refers to the total amount of money in your Deferred Annuity, including money in the Divisions of the Separate Account and the Fixed Interest Account.
Annuitant — The natural person whose life is the measure for determining the duration of the Contract.
Annuitization — Application of proceeds under the Contract to an annuity option on the Maturity Date or upon an earlier surrender of the Contract.
Annuity Unit Value — With a variable Pay-Out Option, the money paid-in or reallocated to 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 as 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.
Beneficiary — The person designated to receive any benefits under a Contract in the event the Contract Owner or the
Annuitant, as applicable, dies before the Maturity Date.
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. This document contains relevant provisions of your Deferred 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 — A twelve month period beginning with the date shown on your Contract and with each Contract anniversary
thereafter.
Death Proceeds (prior to annuitization) — The amount we pay prior to annuitization, on receipt of due proof of death of a Contract Owner (or of the annuitant if the Contract is not owned by an individual) and election of payment.
Deferred Annuity — This term is used throughout this Prospectus when we are referring to the Deferred
Annuities.
Designated Office — Our Designated Office is
the office that services your Contract or accepts purchase payments into your Contract as applicable. The most recent correspondence, purchase payment stub or annual
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.
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).
Exchange — The New York Stock Exchange is referred to as the
“Exchange.”
Fixed Interest Account — A part of the Company’s general account to which you can allocate net purchase payments under
most Contracts. The Fixed Interest Account provides guarantees of principal and interest. Aspects of the Fixed Interest Account are briefly summarized in this Prospectus in order to give a better understanding of how the
Contract functions.
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 correct. 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 Division 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
7
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.
Maturity Date — The date on which annuity payments begin, as stated in the application or as later
deferred.
Net Purchase
Payment — A purchase payment, in which the premium tax and any
premium for the disability benefit rider, if applicable, has been deducted before allocation to the Divisions.
Non-life contingency option
— A fixed period benefit option where payments are guaranteed for a
specified period of time regardless of whether the Payee is alive.
Payee — Any person or entity entitled to receive payment under the Contract. The term includes (i) an
Annuitant, (ii) a Beneficiary or contingent
Beneficiary who becomes entitled to death proceeds, and (iii) on surrender or partial
surrender of the Contract, the Contract Owner.
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 Contract are pooled in the Separate Account and maintained for the benefit of investors in the Contract. The Separate Account is divided into sub-accounts, each invest in shares of one Portfolio.
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.
Withdrawal Charge or Early Withdrawal
Charge — The Withdrawal Charge is the amount we deduct
from the amount you have withdrawn from your Deferred Annuity, if you withdraw money prematurely from a Deferred Annuity. This charge is often referred to as a contingent deferred sales charge, deferred sales load or back-end sales load.
8
APPENDIX
A — INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT
The following is a list of Portfolios 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/MET000207. You can also request this information at no
cost by calling (833) 642-1008, by sending an email request to [email protected], or through your registered representative. The availability of Portfolios may vary by employer and you
should ask your Employer for a list of available Portfolios.
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.
| FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
PLATFORM
CHARGE |
CURRENT
EXPENSES
+
PLATFORM
CHARGE |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2025) | ||
| 1
YEAR |
5
YEAR |
10
YEAR | |||||
| US Equity |
American Funds Growth
Fund(1) - Class 2
Capital Research and
Management CompanySM |
0.58% |
0.25% |
0.83% |
20.24% |
13.37% |
17.97% |
| US Equity |
American Funds Growth-
Income Fund(1) - Class 2
Capital Research and
Management CompanySM |
0.53% |
0.25% |
0.78% |
18.06% |
13.90% |
13.92% |
| Global Equity |
American Funds SMALLCAP
World Fund® *(1)†† - Class
2 Capital Research and
Management CompanySM |
0.90% |
0.25% |
1.15% |
14.64% |
0.49% |
7.23% |
| US Fixed
Income |
American Funds The Bond
Fund of America*(1)- Class 2
Capital Research and
Management CompanySM |
0.47% |
0.25% |
0.72% |
7.26% |
-0.14% |
2.36% |
| International
Equity |
Baillie Gifford International
Stock Portfolio* - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Baillie Gifford
Overseas Limited |
0.74% |
— |
0.74% |
19.31% |
0.96% |
7.62% |
| US Fixed
Income |
BlackRock Bond Income
Portfolio* - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: BlackRock
Advisors, LLC |
0.38% |
— |
0.38% |
7.95% |
-0.17% |
2.38% |
A-1
| FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
PLATFORM
CHARGE |
CURRENT
EXPENSES
+
PLATFORM
CHARGE |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2025) | ||
| 1
YEAR |
5
YEAR |
10
YEAR | |||||
| US Equity |
BlackRock Capital
Appreciation Portfolio* -
Class A
Brighthouse Investment
Advisers, LLC
Subadviser: BlackRock
Advisors, LLC |
0.56% |
— |
0.56% |
13.19% |
11.07% |
15.80% |
| US Fixed
Income |
BlackRock Ultra-Short Term
Bond Portfolio* - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: BlackRock
Advisors, LLC |
0.37% |
— |
0.37% |
4.15% |
3.09% |
2.10% |
| Allocation |
Brighthouse Asset Allocation
100 Portfolio - Class A
Brighthouse Investment
Advisers, LLC |
0.71% |
— |
0.71% |
17.41% |
8.91% |
10.97% |
| Allocation |
Brighthouse Asset Allocation
20 Portfolio* - Class B
Brighthouse Investment
Advisers, LLC |
0.93% |
— |
0.93% |
9.25% |
2.06% |
3.97% |
| Allocation |
Brighthouse Asset Allocation
40 Portfolio - Class B
Brighthouse Investment
Advisers, LLC |
0.91% |
— |
0.91% |
11.50% |
3.84% |
5.69% |
| Allocation |
Brighthouse Asset Allocation
60 Portfolio - Class B
Brighthouse Investment
Advisers, LLC |
0.91% |
— |
0.91% |
13.77% |
5.55% |
7.47% |
| Allocation |
Brighthouse Asset Allocation
80 Portfolio - Class B
Brighthouse Investment
Advisers, LLC |
0.93% |
— |
0.93% |
15.63% |
7.18% |
9.22% |
| US Equity |
Brighthouse/Artisan Mid Cap
Value Portfolio* - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Artisan
Partners Limited
Partnership |
0.78% |
— |
0.78% |
1.82% |
7.04% |
8.32% |
| Allocation |
Brighthouse/Wellington
Balanced Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Wellington
Management Company LLP |
0.77% |
— |
0.77% |
12.38% |
7.18% |
9.14% |
A-2
| FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
PLATFORM
CHARGE |
CURRENT
EXPENSES
+
PLATFORM
CHARGE |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2025) | ||
| 1
YEAR |
5
YEAR |
10
YEAR | |||||
| US Equity |
Brighthouse/Wellington Core
Equity Opportunities
Portfolio* - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Wellington
Management Company LLP |
0.62% |
— |
0.62% |
7.83% |
8.29% |
10.73% |
| US Equity |
Brighthouse/Wellington Large
Cap Research Portfolio* -
Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Wellington
Management Company LLP |
0.79% |
— |
0.79% |
15.62% |
12.01% |
13.33% |
| Sector |
CBRE Global Real Estate
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: CBRE
Investment Management
Listed Real Assets LLC |
0.91% |
— |
0.91% |
6.75% |
4.03% |
3.95% |
| US Equity |
Equity-Income Portfolio -
Initial Class
Fidelity Management &
Research Company LLC |
0.46% |
— |
0.46% |
19.02% |
12.51% |
11.60% |
| US Equity |
Frontier Mid Cap Growth
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Frontier
Capital Management
Company, LLC |
0.94% |
— |
0.94% |
4.90% |
3.52% |
9.88% |
| International
Equity |
Harris Oakmark International
Portfolio* - Class E
Brighthouse Investment
Advisers, LLC
Subadviser: Harris
Associates L.P. |
0.87% |
— |
0.87% |
32.98% |
6.56% |
6.84% |
| Global Equity |
Invesco Global Equity
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Invesco
Advisers, Inc. |
0.83% |
— |
0.83% |
15.60% |
7.30% |
11.00% |
A-3
| FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
PLATFORM
CHARGE |
CURRENT
EXPENSES
+
PLATFORM
CHARGE |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2025) | ||
| 1
YEAR |
5
YEAR |
10
YEAR | |||||
| US Equity |
Invesco Small Cap Growth
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Invesco
Advisers, Inc. |
0.99% |
— |
0.99% |
5.83% |
-0.91% |
9.00% |
| US Equity |
Jennison Growth Portfolio* -
Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Jennison
Associates LLC |
0.54% |
— |
0.54% |
14.04% |
10.28% |
16.71% |
| US Equity |
Loomis Sayles Growth
Portfolio* - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Loomis,
Sayles & Company, L.P. |
0.55% |
— |
0.55% |
15.21% |
15.06% |
14.19% |
| US Equity |
Loomis Sayles Small Cap Core
Portfolio* - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Loomis,
Sayles & Company, L.P. |
0.90% |
— |
0.90% |
5.29% |
7.44% |
9.43% |
| US Equity |
Loomis Sayles Small Cap
Growth Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Loomis,
Sayles & Company, L.P. |
1.14% |
— |
1.14% |
3.73% |
2.28% |
9.84% |
| US Fixed
Income |
MetLife Aggregate Bond
Index Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC |
0.51% |
— |
0.51% |
6.80% |
-0.88% |
1.51% |
| US Equity |
MetLife Mid Cap Stock Index
Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC |
0.55% |
— |
0.55% |
6.86% |
8.54% |
10.16% |
A-4
| FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
PLATFORM
CHARGE |
CURRENT
EXPENSES
+
PLATFORM
CHARGE |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2025) | ||
| 1
YEAR |
5
YEAR |
10
YEAR | |||||
| International
Equity |
MetLife MSCI EAFE® Index
Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC |
0.62% |
— |
0.62% |
30.70% |
8.35% |
7.76% |
| US Equity |
MetLife Russell 2000® Index
Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC |
0.55% |
— |
0.55% |
12.33% |
5.71% |
9.27% |
| US Equity |
MetLife Stock Index
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC |
0.52% |
— |
0.52% |
17.28% |
13.84% |
14.24% |
| US Equity |
MetLife Stock Index
Portfolio*† - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC |
0.27% |
— |
0.27% |
17.59% |
14.13% |
14.53% |
| International
Equity |
MFS® Research International
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Massachusetts
Financial Services
Company |
0.81% |
— |
0.81% |
22.41% |
5.54% |
7.57% |
| International
Equity |
MFS® Research International
Portfolio*§ - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Massachusetts
Financial Services
Company |
0.56% |
— |
0.56% |
22.72% |
5.80% |
7.83% |
A-5
| FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
PLATFORM
CHARGE |
CURRENT
EXPENSES
+
PLATFORM
CHARGE |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2025) | ||
| 1
YEAR |
5
YEAR |
10
YEAR | |||||
| Allocation |
MFS® Total Return Portfolio*
- Class E
Brighthouse Investment
Advisers, LLC
Subadviser: Massachusetts
Financial Services
Company |
0.77% |
— |
0.77% |
10.94% |
6.26% |
7.49% |
| Allocation |
MFS® Total Return
Portfolio*† - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Massachusetts
Financial Services
Company |
0.62% |
— |
0.62% |
11.11% |
6.42% |
7.65% |
| US Equity |
MFS® Value Portfolio* -
Class E
Brighthouse Investment
Advisers, LLC
Subadviser: Massachusetts
Financial Services
Company |
0.73% |
— |
0.73% |
13.11% |
9.95% |
10.10% |
| US Equity |
MFS® Value Portfolio*§ -
Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Massachusetts
Financial Services
Company |
0.58% |
— |
0.58% |
13.29% |
10.11% |
10.27% |
| US Equity |
Morgan Stanley Discovery
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Morgan Stanley
Investment Management
Inc. |
0.90% |
— |
0.90% |
13.19% |
-5.83% |
14.00% |
| US Equity |
Neuberger Berman Genesis
Portfolio* - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Neuberger
Berman Investment
Advisers LLC |
0.81% |
— |
0.81% |
-4.57% |
2.86% |
9.12% |
A-6
| FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
PLATFORM
CHARGE |
CURRENT
EXPENSES
+
PLATFORM
CHARGE |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2025) | ||
| 1
YEAR |
5
YEAR |
10
YEAR | |||||
| US Fixed
Income |
PIMCO Inflation Protected
Bond Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Pacific
Investment Management
Company LLC |
1.38% |
— |
1.38% |
7.74% |
1.15% |
3.09% |
| US Fixed
Income |
PIMCO Total Return
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Pacific
Investment Management
Company LLC |
0.83% |
— |
0.83% |
8.90% |
-0.07% |
2.30% |
| Allocation |
State Street Moderate ETF
Portfolio - Class B (formerly
known as SSGA Growth and
Income ETF Portfolio -
Class B)
Brighthouse Investment
Advisers, LLC
Subadviser: SSGA Funds
Management, Inc. |
0.75% |
— |
0.75% |
16.78% |
7.19% |
7.85% |
| Allocation |
State Street Moderately
Aggressive ETF Portfolio -
Class B (formerly known as
SSGA Growth ETF Portfolio -
Class B)
Brighthouse Investment
Advisers, LLC
Subadviser: SSGA Funds
Management, Inc. |
0.78% |
— |
0.78% |
19.23% |
9.01% |
9.31% |
| US Equity |
T. Rowe Price Large Cap
Growth Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: T. Rowe Price
Associates, Inc. |
0.81% |
— |
0.81% |
15.45% |
9.37% |
14.10% |
| US Equity |
T. Rowe Price Mid Cap Growth
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: T. Rowe Price
Associates, Inc. is the
subadviser
T. Rowe Price Investment
Management, Inc. is the
sub-subadviser |
0.95% |
— |
0.95% |
3.42% |
3.83% |
9.77% |
A-7
| FUND
TYPE |
PORTFOLIO AND
ADVISER/SUBADVISER |
CURRENT
EXPENSES |
PLATFORM
CHARGE |
CURRENT
EXPENSES
+
PLATFORM
CHARGE |
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2025) | ||
| 1
YEAR |
5
YEAR |
10
YEAR | |||||
| US Equity |
T. Rowe Price Small Cap
Growth Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: T. Rowe Price
Associates, Inc. |
0.76% |
— |
0.76% |
10.00% |
5.48% |
10.60% |
| US Equity |
Victory Sycamore Mid Cap
Value Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Victory Capital
Management, Inc. |
0.85% |
— |
0.85% |
2.29% |
9.62% |
9.58% |
| US Fixed
Income |
Western Asset Management
Strategic Bond Opportunities
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Western Asset
Management Company,
LLC |
0.82% |
— |
0.82% |
8.88% |
1.17% |
3.77% |
| US Fixed
Income |
Western Asset Management
Strategic Bond Opportunities
Portfolio*§ - Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Western Asset
Management Company,
LLC |
0.57% |
— |
0.57% |
9.07% |
1.42% |
4.03% |
| US Fixed
Income |
Western Asset Management
U.S. Government Portfolio* -
Class A
Brighthouse Investment
Advisers, LLC
Subadviser: Western Asset
Management Company,
LLC |
0.50% |
— |
0.50% |
7.07% |
0.59% |
1.82% |
†
The Portfolio is no longer available for additional allocations.
(1)
The Portfolio has an additional platform fee of 0.25%. This amount is included in the Mortality and Expense Risk Charge and is not a separate charge.
*
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®.
A-8
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.
| Name |
Term |
Minimum
Guaranteed
Interest
Rate* |
| Fixed Interest Account |
Initial Interest Rate Term: begins on each calendar quarter and will be
credited from the date amounts are allocated to the Fixed
Interest Account until the last day of the same calendar
quarter of the following year.
Renewal Rate Term: 12 months |
3%/4.5% Depending on the Contract |
*
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.
A-9
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 the 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 Designated Office at (833) 642-1008, by going online at
https://dfinview.com/metlife/PUFT/MET000207, or by sending an email request to
[email protected]. 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 Designated 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
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