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Guarantees, Flexibility and Liquidity.You choose the combination that’s right for you.

Choose between two policy designs:

• Guaranteed Protection Design
  When guarantees are more important to you
  This design focuses on affordable guaranteed protection. You choose the length of the protection guarantee and the premium payment schedule up front; both are then guaranteed not to change so long as premiums are paid as planned. *1
  
• Cash Accumulation Design
  When liquidity and flexibility are more important to you
  This design provides you with protection and cash value growth. Within limits, you can change your premium payments and death benefit as your life changes. Your policy also provides you with an opportunity to set aside additional money in a tax-favored way to help you meet long-term financial objectives. *2
  

MetLife’s Guarantee Advantage Universal Life Insurance offers you:

• Policy Flexibility
  
  After selecting your policy design, you can customize your Universal Life policy. For example:
  Guaranteed Protection Design
  • Choose how long you want to pay premiums
  • Choose how long your protection is guaranteed

  For example, you can decide to pay additional premiums up front and guarantee the protection for your entire life, no matter how long you live. Or, you could choose to guarantee the protection until your life expectancy, and choose a lower premium.

  Cash Value Design

  • Pay extra premium to grow your cash value, tax deferred
  • Reduce the death benefit as your needs change
  • Lower or skip premiums when you need to *3

  Your SGB Life Insurance Agent will work with you to put together a policy that addresses your personal needs and concerns.
  

• Cash Accumulation Design
  Enhance Your Policy
  You can enhance your coverage with the addition of these policy riders, *4 among others, for an additional cost:
  Guaranteed Survivor Income Benefit

  This patent-pending rider provides your beneficiaries with the option to receive guaranteed income they can’t outlive – at higher rates than we would normally pay — in lieu of a lump-sum death benefit.

  The Long-Term Care Guaranteed Purchase Option

  Guarantees the availability of Long-Term Care insurance in the future, regardless of changes in the insured’s health.

  The Waiver of Specified Premium

  Pays your specified premiums if the insured becomes disabled.
  The Guaranteed Survivor Plus Purchase Option

  Guarantees your right to buy permanent life insurance in the future on up to five other people; up to five times your base policy’s face amount on each person.