April 28, 2025
Updating Summary Prospectus For Investors in
Preference Premier® Variable Annuity Contracts (offered from December 12, 2008 through October 7, 2011)
B Class, B Plus Class, C Class, L Class, R Class
Issued by Metropolitan Life Separate Account E of Metropolitan Life Insurance Company
This Updating Summary Prospectus includes updating information about individual Preference Premier® Contracts for deferred variable annuities (the “Deferred Annuities” or the “Contracts”) issued by Metropolitan Life Insurance Company (“Metropolitan Life”, “MetLife”, “we”. “our”, “us” or the “Company").
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/tahd/MET000248. You can also obtain this information at no cost by calling your Administrative Office at (800) 638-7732, or by sending an email request to RCG@metlife.com. As noted in Appendix A, if your annuity was issued in connection with an employer plan, not all Portfolios are available under all Contracts and You should ask your employer for a list of available Portfolios.
Additional information about certain investment products, including variable annuity contracts, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov.
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.
TABLE OF CONTENTS 
3
3
8
A-1
2
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 29, 2024. 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.
●
The Fixed Interest Account is now available to Contracts with GMIB Max I and EDB Max I Optional Benefits, subject to state approval (if the Fixed Interest Account is otherwise available under the Contract).
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT 
 
FEES, EXPENSES AND ADJUSTMENTS
LOCATION IN
PROSPECTUS
Are there Charges or
Adjustments for Early
Withdrawals?
Yes. A Withdrawal Charge of up to 8% may be assessed if you make a
withdrawal and the amount of the withdrawal is determined to
include a withdrawal of any purchase payment paid less than 9
complete years before the date of withdrawal.
For example, if you purchase a B Plus Class Contract for $100,000
and surrender your Contract during the first year, You will pay a
Withdrawal Charge of up to $8,000.
Charges – Withdrawal
Charges
Are there Transaction
Charges?
Yes. In addition to Withdrawal Charges, you also may be charged for
other transactions such as transferring Account Value among
Divisions and between the Divisions and the Fixed Interest Account.
Although we do not currently charge a fee for transfers of Account
Value among Divisions or between the Divisions and the Fixed
Interest Account, We reserve the right to impose a transfer fee of
$25.
Charges – Transfer Fee
3
 
FEES, EXPENSES AND ADJUSTMENTS
LOCATION IN
PROSPECTUS
Are there Ongoing Fees
and Expenses (annual
charges)?
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 (varies by Contract
class)
1.18%(1)
1.83%(1)
Portfolio fees and expenses
0.53%(2)
1.23%(2)
Optional benefits available for an
additional charge (for a single
optional benefit, if elected)
0.20%(3)
1.80%(4)
(1)
As a percentage of your total Account Balance in the Separate
Account. The Base Contract Fee includes 0.03% for the Annual
Contract Fee. The Annual Contract Fee is $30 annually. This
fee is waived if the Account Value is $50,000 or more.
Regardless of the amount of your Account Value, the entire fee
will be deducted if You take a total withdrawal of your Account
Value. During the pay-out phase (annuitization phase), we
reserve the right to deduct this fee.
(2)
As a percentage of average daily net assets of the Portfolio.
(3)
As a percentage of your average Account Balance in the
(4)
As a percentage of the Total Guaranteed Withdrawal Amount
for the Lifetime Withdrawal Guarantee II (Joint Life Version)
(as defined later in this Prospectus).
 
Because your Contract is customizable, the choices you make affect
how much you will 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.
Fees
Lowest Annual Cost:
Highest Annual Cost:
$1,584
$3,924
Assumes:
●Investment of $100,000
●5% annual appreciation
●Least expensive combination of
Contract classes and 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 Contract classes, 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
4
 
RISKS
LOCATION IN
PROSPECTUS
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.
●Withdrawal Charges may apply for up to 9 complete years
following each purchase payment. Withdrawal Charges will reduce
the value of your Contract if you withdraw money during that
time.
●The benefits of tax deferral and living benefit protections also
mean 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, and You may have to pay a penalty if
You take a withdrawal before age 59 1∕2.
Principal Risks of
Investing in the Contract
What are the Risks
Associated with the
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 the 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 Balance or is not sufficient to pay the
Contract charges, we may terminate your Contract.
Principal Risks of
Investing in the Contract
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
5
 
RESTRICTIONS
LOCATION IN
PROSPECTUS
Are there Restrictions
on the Investment
Options?
Yes. We reserve the right to limit the number of transfers per
Contract Year to a maximum of twelve (excluding transfers resulting
from automated investment strategies). Currently we do not limit
the number of transfers You may make in a Contract Year. We are not
currently charging a transfer fee, but we reserve the right to charge
such a fee in the future. If such a fee were to be imposed, it would be
$25.00 for each transfer over twelve in a Contract Year.
Many optional benefits impose restrictions and limitations on your
choice of Portfolios. We may change these restrictions in the future.
These restrictions and requirements are intended to protect the
Company and reduce the likelihood that we will have to pay
guaranteed benefits under the optional benefits out of our own
assets. The restrictions and requirements could result in your
missing out on some or all positive investment performance by
certain Portfolios. This means your opportunity for investment gains
may be limited.
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 potential for arbitrage trading, and in those
instances, there are additional limits that apply to transfers.
Charges – Transfer Fee
Are there any
Restrictions on
Contract Benefits?
Yes. Many optional benefits limit or restrict the Portfolios You may
select under the Contract. We may change these restrictions in the
future.
You are required to have a certain Account Value for some optional
benefits. If withdrawals reduce Your Contract below this value, your
optional benefits may be reduced or terminated.
Subsequent purchase payments are currently restricted for certain
optional benefits.
Withdrawals that exceed limits specified by the terms of an optional
benefit may affect the availability of the benefit by reducing the
benefit by an amount greater than the value withdrawn, and/or
could terminate the benefit.
Benefits Available Under
the Contract
 
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 will be
subject to 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
6
 
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.
Who Sells the Contracts
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, and any fees or penalties
to terminate the existing contract, that it is better for you to
purchase the new contract rather than continue to own your existing
Exchanges/Transfers
7
IMPORTANT TERMS YOU SHOULD KNOW
Account Value, Account Balance or Contract Value — When You purchase a Contract, an account is set up for You. Your Account Value (also referred to as Account Balance or Contract Value) is the total amount of money in Your Contract including money in the Divisions of the Separate Account, the Fixed Interest Account and the Enhanced Dollar Cost Averaging Program.
Accumulation Unit Value  — With a Contract, money paid-in or transferred into a Division of the Separate Account is credited to You in the form of Accumulation Units for each Division . We determine the value of these Accumulation Units as of the close of the New York Stock Exchange (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 Portfolio, the deduction of the Separate Account charge also affects a Division’s Accumulation Unit Value.
Administrative Office —  Our Administrative Office varies based on the type of service request or transaction that you are making. The most recent correspondence or quarterly statement sent to you will have the address and telephone number that you can use to contact us for specific transactions and requests. We will notify you if there are changes to this information.
Annuitant — The natural person whose life is the measure for determining the duration and the dollar amount of income payments.
Annuity Unit Value — With a variable pay-out option, the money paid-in or reallocated into a Division of the Separate Account is held in the form of Annuity Units. Annuity Units are established for each Division. We determine the value of these Annuity Units as of the close of the Exchange each day the Exchange is open for regular trading. The Exchange usually closes at 4 p.m. Eastern Time but may close earlier or later. The values increase or decrease based on the investment performance of the corresponding underlying Portfolios, the experience factor for the current valuation period, the daily AIR and the Separate Account charge.
Assumed Investment Return (AIR)  — Under a variable pay-out option, the AIR is the assumed percentage rate of return used to determine the amount of the first variable income payment. The AIR is also the benchmark that is used to calculate the investment performance of a given Division to determine all subsequent payments to You.
Beneficiary — The person or persons who receives a benefit, including continuing payments or a lump sum payment, in the event the Contract Owner or the Annuitant, as applicable, dies.
Contract — A Contract is the legal agreement between You and MetLife. This document contains relevant provisions of your Deferred Annuity.
Contract Anniversary — An anniversary of the date we issue the Contract.
Contract Owner — The person or entity which has all rights including the right to direct who receives income payments.
Contract Year —  Generally, the Contract Year for a Deferred Annuity is the period ending on the last day of the month in which the anniversary of when we issued the annuity occurs and each following 12-month period.
Deferred Annuity — This term is used throughout this Prospectus when we are referring to the Preference Premier® Contracts Deferred Annuities.
8
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).
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 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 registered representative before submitting the form or request.
MetLife —  MetLife is Metropolitan Life Insurance Company which is the company that issues the Contracts. Throughout this Prospectus, MetLife is also referred to as “we,” “us”, “our” or the “Company.”
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 Contracts are pooled in the Separate Account and maintained for the benefit of investors in the Contracts.
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 — The Withdrawal Charge is the amount we deduct from your Account Value , if You withdraw money prematurely from the Contract. This charge is often referred to as a deferred sales load or back-end sales load.
You — In this Prospectus “You” is the Owner of the Contract and can be a natural person, a trust established for the exclusive benefit of a natural person, a charitable remainder trust or other trust arrangement (if approved by MetLife) or, subject to our administrative procedures, a corporation or other legal entity we approve. The Contract is generally not available to corporations or other legal entities to fund a qualified or non-qualified retirement plan. “You” can also be a Beneficiary of a deceased person’s Individual Retirement Account Contract or non-qualified Contract who purchases the Contract in his or her capacity as Beneficiary. A Contract may have two Owners (both of whom must be individuals).
9
APPENDIX A — Investment Options Available Under The Contract
The following is a list of Portfolios available under the Contract. 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/tahd/MET000248. You can also request this information at no cost by calling (800) 638-7732, by sending an email request to RCG@metlife.com, or through your registered representative. Depending on the optional benefits you choose, you may not be able to invest in certain Portfolio Companies as described below.
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 12/31/2024)
1
YEAR
5
YEAR
10
YEAR
Global Equity
American Funds Global Small
Capitalization Fund*(1) -
Class 2
Capital Research and
Management CompanySM
0.90%
0.25%
1.15%
2.33%
3.01%
5.81%
US Equity
American Funds Growth-
Income Fund(1) - Class 2
Capital Research and
Management CompanySM
0.53%
0.25%
0.78%
24.23%
13.01%
12.20%
Allocation
American Funds® Aggressive
Allocation Portfolio - Class C
(formerly known as American
Funds® Growth Allocation
Portfolio - Class C)
Brighthouse Investment
Advisers, LLC
0.99%
 — 
0.99%
14.57%
8.76%
8.81%
Allocation
American Funds® Balanced
Allocation Portfolio - Class C
Brighthouse Investment
Advisers, LLC
0.96%
 — 
0.96%
11.60%
7.00%
7.21%
US Equity
American Funds® Growth
Portfolio - Class C
Brighthouse Investment
Advisers, LLC; Capital
Research and Management
Company
0.91%
 — 
0.91%
31.23%
18.46%
16.22%
Allocation
American Funds® Moderate
Allocation Portfolio - Class C
Brighthouse Investment
Advisers, LLC
0.94%
 — 
0.94%
9.12%
5.44%
5.78%
A-1
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
PLATFORM
CHARGE
CURRENT
EXPENSES
+
PLATFORM
CHARGE
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2024)
1
YEAR
5
YEAR
10
YEAR
International
Equity
Baillie Gifford International
Stock Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Baillie Gifford
Overseas Limited
0.98%
 — 
0.98%
4.36%
1.91%
5.27%
US Fixed
Income
BlackRock Bond Income
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: BlackRock
Advisors, LLC
0.64%
 — 
0.64%
1.24%
-0.30%
1.40%
US Equity
BlackRock Capital
Appreciation Portfolio* -
Class B
Brighthouse Investment
Advisers, LLC
Subadviser: BlackRock
Advisors, LLC
0.81%
 — 
0.81%
31.65%
15.71%
14.79%
US Fixed
Income
BlackRock Ultra-Short Term
Bond Portfolio*(2) - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: BlackRock
Advisors, LLC
0.62%
 — 
0.62%
4.83%
2.09%
1.46%
Allocation
Brighthouse Asset Allocation
100 Portfolio - Class B
Brighthouse Investment
Advisers, LLC
0.98%
 — 
0.98%
13.39%
8.97%
8.74%
Allocation
Brighthouse Asset Allocation
20 Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
0.91%
 — 
0.91%
3.85%
2.11%
2.99%
Allocation
Brighthouse Asset Allocation
40 Portfolio - Class B
Brighthouse Investment
Advisers, LLC
0.90%
 — 
0.90%
5.83%
3.75%
4.43%
Allocation
Brighthouse Asset Allocation
60 Portfolio - Class B
Brighthouse Investment
Advisers, LLC
0.91%
 — 
0.91%
7.96%
5.57%
5.96%
Allocation
Brighthouse Asset Allocation
80 Portfolio - Class B
Brighthouse Investment
Advisers, LLC
0.94%
 — 
0.94%
10.80%
7.35%
7.46%
A-2
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
PLATFORM
CHARGE
CURRENT
EXPENSES
+
PLATFORM
CHARGE
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2024)
1
YEAR
5
YEAR
10
YEAR
US Equity
Brighthouse/Artisan Mid Cap
Value Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Artisan
Partners Limited
Partnership
1.02%
 — 
1.02%
4.71%
7.68%
6.79%
International
Equity
Brighthouse/Dimensional
International Small Company
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Dimensional
Fund Advisors LP
1.02%
 — 
1.02%
3.08%
3.59%
5.46%
US Fixed
Income
Brighthouse/Eaton Vance
Floating Rate Portfolio -
Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Eaton Vance
Management
0.95%
 — 
0.95%
7.70%
4.40%
4.11%
US Fixed
Income
Brighthouse/Franklin Low
Duration Total Return
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Franklin
Advisers, Inc.
0.73%
 — 
0.73%
4.69%
1.52%
1.64%
Global Fixed
Income
Brighthouse/Templeton
International Bond
Portfolio*# - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Franklin
Advisers, Inc.
0.93%
 — 
0.93%
-11.47%
-4.82%
-2.55%
US Equity
Brighthouse/Wellington Core
Equity Opportunities
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Wellington
Management Company
LLP
0.87%
 — 
0.87%
8.37%
8.70%
9.88%
A-3
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
PLATFORM
CHARGE
CURRENT
EXPENSES
+
PLATFORM
CHARGE
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2024)
1
YEAR
5
YEAR
10
YEAR
US Equity
Brighthouse/Wellington Large
Cap Research Portfolio* -
Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Wellington
Management Company
LLP
0.79%
 — 
0.79%
21.31%
13.22%
12.18%
Sector
CBRE Global Real Estate
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: CBRE
Investment Management
Listed Real Assets LLC
0.90%
 — 
0.90%
0.40%
1.62%
3.13%
US Equity
Frontier Mid Cap Growth
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Frontier
Capital Management
Company, LLC
0.94%
 — 
0.94%
17.45%
8.29%
9.64%
International
Equity
Harris Oakmark International
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Harris
Associates L.P.
0.97%
 — 
0.97%
-4.96%
1.60%
3.28%
Global Equity
Invesco Global Equity
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Invesco
Advisers, Inc.
0.83%
 — 
0.83%
16.15%
9.43%
9.82%
US Equity
Invesco Small Cap Growth
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Invesco
Advisers, Inc.
1.07%
 — 
1.07%
16.33%
7.19%
8.20%
US Equity
Jennison Growth Portfolio* -
Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Jennison
Associates LLC
0.79%
 — 
0.79%
30.00%
17.24%
16.08%
A-4
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
PLATFORM
CHARGE
CURRENT
EXPENSES
+
PLATFORM
CHARGE
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2024)
1
YEAR
5
YEAR
10
YEAR
US Fixed
Income
JPMorgan Core Bond
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: J.P. Morgan
Investment Management
Inc.
0.70%
 — 
0.70%
2.05%
-0.01%
1.39%
Allocation
JPMorgan Global Active
Allocation Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: J.P. Morgan
Investment Management
Inc.
0.99%
 — 
0.99%
5.29%
3.37%
4.49%
US Equity
JPMorgan Small Cap Value
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: J.P. Morgan
Investment Management
Inc.
1.02%
 — 
1.02%
9.01%
8.45%
6.74%
Allocation
Loomis Sayles Global
Allocation Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Loomis,
Sayles & Company, L.P.
1.04%
 — 
1.04%
12.30%
6.66%
8.07%
US Equity
Loomis Sayles Growth
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Loomis,
Sayles & Company, L.P.
0.80%
 — 
0.80%
34.13%
18.04%
11.87%
US Equity
Loomis Sayles Small Cap
Core Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Loomis,
Sayles & Company, L.P.
1.15%
 — 
1.15%
11.46%
8.51%
8.43%
US Fixed
Income
MetLife Aggregate Bond
Index Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC
0.52%
 — 
0.52%
0.64%
-0.84%
0.85%
A-5
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
PLATFORM
CHARGE
CURRENT
EXPENSES
+
PLATFORM
CHARGE
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2024)
1
YEAR
5
YEAR
10
YEAR
US Equity
MetLife Mid Cap Stock Index
Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC
0.55%
 — 
0.55%
13.37%
9.79%
9.14%
International
Equity
MetLife MSCI EAFE® Index
Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC
0.63%
 — 
0.63%
3.00%
4.21%
4.78%
Allocation
MetLife Multi-Index Targeted
Risk Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC
0.66%
 — 
0.66%
7.48%
2.45%
4.27%
US Equity
MetLife Russell 2000® Index
Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC
0.56%
 — 
0.56%
11.00%
7.00%
7.51%
US Equity
MetLife Stock Index
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: MetLife
Investment Management,
LLC
0.51%
 — 
0.51%
24.37%
13.95%
12.54%
International
Equity
MFS® Research International
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Massachusetts
Financial Services
Company
0.89%
 — 
0.89%
2.95%
3.87%
5.23%
Allocation
MFS® Total Return Portfolio*
- Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Massachusetts
Financial Services
Company
0.87%
 — 
0.87%
7.52%
5.89%
6.24%
A-6
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
PLATFORM
CHARGE
CURRENT
EXPENSES
+
PLATFORM
CHARGE
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2024)
1
YEAR
5
YEAR
10
YEAR
US Equity
MFS® Value Portfolio* -
Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Massachusetts
Financial Services
Company
0.83%
 — 
0.83%
11.66%
7.96%
8.61%
US Equity
Morgan Stanley Discovery
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Morgan
Stanley Investment
Management Inc.
0.91%
 — 
0.91%
38.93%
10.62%
12.02%
US Equity
Neuberger Berman Genesis
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Neuberger
Berman Investment
Advisers LLC
1.06%
 — 
1.06%
8.81%
8.31%
9.43%
US Fixed
Income
PIMCO Inflation Protected
Bond Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Pacific
Investment Management
Company LLC
1.06%
 — 
1.06%
2.12%
1.85%
2.00%
US Fixed
Income
PIMCO Total Return
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Pacific
Investment Management
Company LLC
0.84%
 — 
0.84%
2.43%
-0.14%
1.43%
International
Equity
SSGA Emerging Markets
Enhanced Index Portfolio*##
- Class B
Brighthouse Investment
Advisers, LLC
Subadviser: SSGA Funds
Management, Inc.
0.91%
 — 
0.91%
11.13%
2.76%
 — 
Allocation
SSGA Growth and Income
ETF Portfolio - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: SSGA Funds
Management, Inc.
0.73%
 — 
0.73%
10.80%
5.88%
5.98%
A-7
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
PLATFORM
CHARGE
CURRENT
EXPENSES
+
PLATFORM
CHARGE
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2024)
1
YEAR
5
YEAR
10
YEAR
Allocation
SSGA Growth ETF Portfolio -
Class B
Brighthouse Investment
Advisers, LLC
Subadviser: SSGA Funds
Management, Inc.
0.75%
 — 
0.75%
12.72%
7.41%
7.15%
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%
29.98%
13.12%
13.61%
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
0.94%
 — 
0.94%
9.31%
7.65%
10.11%
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%
13.20%
8.05%
9.82%
Sector
VanEck Global Natural
Resources Portfolio*# -
Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Van Eck
Associates Corporation
1.03%
 — 
1.03%
-2.60%
7.79%
1.10%
US Equity
Victory Sycamore Mid Cap
Value Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Victory Capital
Management, Inc.
0.85%
 — 
0.85%
9.78%
10.75%
8.31%
US Fixed
Income
Western Asset Management
Government Income
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Western Asset
Management Company,
LLC
0.73%
 — 
0.73%
0.22%
-1.18%
0.55%
A-8
FUND
TYPE
PORTFOLIO AND
ADVISER/SUBADVISER
CURRENT
EXPENSES
PLATFORM
CHARGE
CURRENT
EXPENSES
+
PLATFORM
CHARGE
AVERAGE ANNUAL
TOTAL RETURNS
(as of 12/31/2024)
1
YEAR
5
YEAR
10
YEAR
US Fixed
Income
Western Asset Management
Strategic Bond Opportunities
Portfolio* - Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Western Asset
Management Company,
LLC
0.81%
 — 
0.81%
4.57%
0.75%
2.69%
US Fixed
Income
Western Asset Management
Strategic Bond Opportunities
Portfolio*§ - Class E
Brighthouse Investment
Advisers, LLC
Subadviser: Western Asset
Management Company,
LLC
0.71%
 — 
0.71%
4.65%
0.86%
2.79%
US Fixed
Income
Western Asset Management
U.S. Government Portfolio* -
Class B
Brighthouse Investment
Advisers, LLC
Subadviser: Western Asset
Management Company,
LLC
0.75%
 — 
0.75%
2.09%
-0.01%
0.93%
*
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.
(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.
(2)
The BlackRock Ultra-Short Term Bond Portfolio is only available in Class C Contracts, and in Contracts issued in New York State or Washington State with any living benefit or the EDB.
#
These Portfolios are only available for investment if you elected GMIB Plus III, the GMIB Plus II, the LWG II, the EDB II and the EDB I.
##
Prior to the opening of business on April 28, 2025, the SSGA Emerging Markets Enhanced Index Portfolio II (formerly Brighthouse/abrdn Emerging Markets Equity Portfolio) of the Brighthouse Funds Trust I merged with and into the SSGA Emerging Markets Enhanced Index Portfolio of Brighthouse Funds Trust I. Values prior to April 28, 2025 reflect the performance of the SSGA Emerging Markets Enhanced Index Portfolio II.
Investment Allocation Restrictions For Certain Optional Benefits
Investment Allocation Restrictions for the GMIB Max I and the EDB Max I. If Your Contract includes GMIB Max I and/or the EDB Max I, You may allocate your purchase payments and Account Value to the investment options below. The investment options listed in (other than the MetLife Aggregate Bond Index Division and the Western Asset Management® Government Income Division) are intended in part to reduce the risk of investment losses that could require us to use our own assets to make payments in connection with the guarantees under the
A-9
GMIB Max I and/or EDB Max I. In addition, other investment options that are available if these optional benefits are not selected may offer the potential for higher returns.
(i)
MetLife Aggregate Bond Index Portfolio – Class B;
(ii)
Western Asset Management U.S. Government Portfolio – Class B;
(iii)
JP Morgan Global Active Allocation;
(iv)
MetLife Multi-Index Targeted Risk Portfolio – Class B; and
(v)
Fixed Interest Account, subject to state approval (if otherwise available under your Contract (see “Fixed Option,” below))
Investment Allocation Restrictions for the GMIB Plus III, the GMIB Plus II, the LWG II, the EDB II and the EDB I. If You elect the LWG II, the GMIB Plus III, the GMIB Plus II, the EDB II, or the EDB I, You must comply with certain investment allocation restrictions. Specifically, You must allocate according to either Option (A) or Option (B) (the “Option (B) Investment Allocation Restrictions”) below. The JPMorgan Global Active Allocation, MetLife Mutli-Index Targeted Risk and Fixed Interest Account investment options in Option (A) and Option (B) below are intended in part to reduce the risk of investment losses that could require us to use our own assets to make payments in connection with the guarantees under the GMIB Plus III, GMIB Plus II, LWG II, EDB II and EDB I. In addition, other investment options that are available if these optional benefits are not selected may offer the potential for higher returns.
(A) You must allocate:
●
100% of your purchase payments or Account Value among the American Funds® Balanced Allocation Division, American Funds® Moderate Allocation Division, Brighthouse Asset Allocation 20 Division, Brighthouse Asset Allocation 40 Division, Brighthouse Asset Allocation 60 Division, JPMorgan Global Active Allocation Division, MetLife Multi-Index Targeted Risk Division, SSGA Growth and Income ETF Division, and/or the Fixed Interest Account (if otherwise available under your Contract (see “Fixed Option,” below)) and the BlackRock Ultra-Short Term Bond Division (where available). (You may also allocate purchase payments to the EDCA program, provided that your destination portfolios are one or more of the above listed Divisions; You may not allocate purchase payments to the Dollar Cost Averaging programs.);
OR
(B) You must allocate:
●
at least 30% of purchase payments or Account Value to Platform 1 investment choices and/or to the Fixed Interest Account (if otherwise available under your Contract (see “Fixed Option,” below)) and the BlackRock Ultra-Short Term Bond Division (where available);
●
up to 70% of purchase payments or Account Value to Platform 2 investment choices;
●
up to 15% of purchase payments or Account Value to Platform 3 investment choices; and
up to 15% of purchase payments or Account Value to Platform 4 investment choices.
Subsequent Purchase Payments
Subsequent purchase payments must be allocated in accordance with the above limitations. When allocating according to Option (B) above, it is important to remember that the entire Account Value will be immediately reallocated according to any new allocation instructions that accompany a subsequent purchase payment if the new allocation instructions differ from those previously received on the Contract. Allocating according to Option (B) does not permit You to specify different allocations for individual purchase payments. Due to the rebalancing
A-10
and reallocation requirements of Option (B), the entire Account Value will be immediately allocated according to the most recently provided allocation instructions.
Example:
Your Account Value is $100,000 and You have allocated 70% to the American Funds® Growth Division and 30% to the PIMCO Total Return Division using Option (B). You make a subsequent purchase payment of $5,000 and provide instructions to allocate that payment 100% to the BlackRock Bond Income Division. As a result, your entire Account Value of $105,000 will then be reallocated to the BlackRock Bond Income Division.
The investment choices in each platform are as follows: 
Platform 1
BlackRock Bond Income
PIMCO Inflation Protected Bond
Brighthouse/Franklin Low Duration
Total Return
PIMCO Total Return
JPMorgan Core Bond
Western Asset Management®
Government Income
MetLife Aggregate Bond Index
Western Asset Management U.S.
Government
MetLife Aggregate Bond Index
 
Platform 2
American Funds® Growth
Jennison Growth
American Funds Growth-Income
JPMorgan Global Active Allocation
Baillie Gifford International Stock
Loomis Sayles Growth
BlackRock Capital Appreciation
Loomis Sayles Global Allocation
Brighthouse Asset Allocation 100
MetLife MSCI EAFE® Index
Brighthouse/Wellington Core Equity
Opportunities
MetLife Multi-Index Targeted Risk
Brighthouse/Wellington Large Cap
Research
MetLife Stock Index
Harris Oakmark International
MFS® Research International
Invesco Global Equity
MFS® Total Return
T. Rowe Price Large Cap Growth
MFS® Value
Western Asset Management Strategic
Bond Opportunities
 
Platform 3
Brighthouse/Artisan Mid Cap Value
MetLife Mid Cap Stock Index
Frontier Mid Cap Growth
Morgan Stanley Discovery
Victory Sycamore Mid Cap Value
T. Rowe Price Mid Cap Growth
A-11
Platform 4
American Funds Global Small
Capitalization
JPMorgan Small Cap Value
SSGA Emerging Markets Enhanced
Index Portfolio
Loomis Sayles Small Cap Core
Brighthouse/Dimensional International
Small Company
MetLife Russell 2000® Index
Brighthouse/Eaton Vance Floating Rate
Neuberger Berman Genesis
Brighthouse/Templeton International
Bond
T. Rowe Price Small Cap Growth
CBRE Global Real Estate
VanEck Global Natural Resources
Invesco Small Cap Growth
 
Contracts for which applications and necessary information were received at our Administrative Office in Good Order, before the close of the Exchange on May 1, 2009, the following Divisions are also available under Option (A): American Funds® Growth Allocation Division, Brighthouse Asset Allocation 80 Division and SSGA Growth ETF Division. In addition, the following investment allocation restrictions apply under Option (B): You must allocate at least 15% of purchase payments or Account Value to Platform 1 investment choices and/or the Fixed Interest Account and the BlackRock Ultra-Short Term Bond Division (where available) and You may allocate up to 85% of purchase payments or Account Value to Platform 2 investment choices (the percentages for Platforms 3 and 4 are the same as those listed above).
Optional Automated Investment Strategies, Optional Dollar Cost Averaging and Optional Enhanced Dollar Cost Averaging Programs
The charts below summarize the availability of the Dollar Cost Averaging and Enhanced Dollar Cost Averaging programs and the automated investment strategies:
Optional Dollar Cost Averaging and Optional Enhanced Dollar Cost Averaging (“EDCA”) Programs: 
You may choose one:
B
Class
B Plus
Class
C
Class
L Class
R
Class
Equity Generator®*
Yes
Yes
No
Yes
Yes
AllocatorSM*
Yes
Yes
No
Yes
Yes
*Not available in C Class Contracts or Contracts issued in New York State and Washington State with any living benefit or an
EDB. Not available with GMIB Plus III or EDB II.
EDCA**
Yes
No
No
Yes
Yes
**Not available to the B Plus and the C Class Contracts. May not be used with purchase payments consisting of money from
other variable annuities issued by MetLife or its affiliates. Restrictions apply to destination Divisions with any living benefit
(except for the GMIB II and the Enhanced GWB), an EDB and the Index Selector.
Optional Automated Investment Strategies: 
A-12
You may choose one:
B
Class
B Plus
Class
C
Class
L Class
R
Class
Rebalancer®***
Yes
Yes
Yes
Yes
Yes
***Automatic if You choose Option (B) of the Investment Allocation Restrictions.
Index Selector®****
Yes
Yes
Yes
Yes
Yes
****Not available if You choose Option (B) of the Investment Allocation Restrictions. The Moderate to Aggressive and
Aggressive Models are not available with the EDB II, the EDB I, the GMIB Plus III, the GMIB Plus II or the LWG II. Not
available with the GMIB Max I or the EDB Max I.
Index Selector. If You elect the Index Selector You are limited to allocating your purchase payments and Account Balance among the following funding options and the Fixed Interest Account:
MetLife Aggregate Bond Index
MetLife Stock Index
MetLife MSCI EAFE Index
MetLife Russell 2000 Index
MetLife Mid Cap Stock Index
Fixed Option
The following is information on the Fixed Interest Account currently available under the Contract. The Fixed Interest Account is not available for C Class Contracts. In addition, the Fixed Interest Account is not available for any Contract issued in New York and Washington with any living benefit rider or EDB rider.
We reserve the right to restrict purchase payments and transfers to the Fixed Interest Account if (1) the interest rate we credit in the Fixed Interest Account is equal to the guaranteed minimum rate as stated in your Contract; or (2) Your Account Value in the Fixed Interest Account is greater than or equal to our maximum amount allowed in the Fixed Interest Account (i.e., $1,000,000). If such restriction occurs, we will notify You of such change. 
Name
Term
Minimum Guaranteed Interest
Rate*
Fixed Interest Account
Initial Interest Rate Term: The
interest rate for each amount
allocated to the Fixed Interest
Account is set by us in advance.
Thereafter, each year a new rate will
apply to that amount plus the interest
previously credited to that amount.
The new rate will be set by us in
advance and will apply for 12 months.
Interest will be credited to the Fixed
Interest Account on a daily basis. We
may declare interest rates for
different one-year periods. If we do so
we will tell you in advance.
 
Renewal Rate Term: 12 months
1%
*
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-13
 
 
Managing your variable annuity contract just got easier. We’re excited to share our enhanced website with you. Login or register today at online.metlife.com and enjoy a more convenient way to manage your contract and sign-up for eDelivery! 
This Updating Summary Prospectus incorporates by reference all of the information contained in the Prospectus and the Statement of Additional Information, which have the same date as this Updating Summary Prospectus, and which are legally part of this Updating Summary Prospectus. You can obtain the Prospectus and Statement of Additional Information, without charge, by calling our Administrative Office at (800) 638-7732, by going online at https://dfinview.com/metlife/tahd/MET000248, or by sending an email request to RCG@metlife.com. For Division transfers and purchase payment reallocations, for current information about your Contract values, to change or update Contract information such as your billing address, billing mode, beneficiary or ownership, for information about other Contract transactions, and to ask questions about your Contract , you may call our Administrative Office at (800) 638-7732.
EDGAR ID: C000070237