Program Summary for Group Variable Universal Life ...

1 Program Summary for Group Variable Universal life insurance for United Airlines Pilots GVUL life insurance Coverage (employee-paid) Supplemental coverage up to 1 -14 times your base annual salary* in salary increments, up to a total of $3,000,000. *Base annual salary is defined as your blended hourly pay rate x 1026 hours. Spouse/Qualified Domestic Partner Coverage Minimum coverage: $20,000 Maximum coverage: $500,000 in $20,000 increments Dependent Child(ren) Coverage $10,000 Eligibility: You may insure your unmarried dependent children from age 15 days up to age 26. When children reach age 26 they may convert their coverage to an individual life insurance policy with MetLife. In some instances, MetLife may require additional medical information to evaluate insurability. Required information will be collected at the convenience of the applicant and paid for by MetLife.

2 Tax-deferred Investment Opportunity Within the MetLife GVUL insurance certificate there is a tax-deferred investment feature that allows you to contribute additional premium, above the cost of insurance , to various investment options. You may allocate the additional premium to Variable portfolios or to an interest bearing account1. To obtain the current interest crediting rate and premium expense charges, please contact a MetLife GVUL Specialist at (800) 936-0931 Monday through Friday, 8:00 to 8:00 (ET) Additional Program Information Annual Enrollment: October 10 28, 2016 for coverage effective January 1, 2017 MetLife AdvantagesSM The following features and services are available as part of MetLife AdvantagesSM with your GVUL life insurance Coverage: Face-to-Face Will Preparation2 offered through Hyatt Legal Plans provides access to a participating plan attorney for preparing or updating wills, living wills and powers of attorney for your and your spouse/qualified domestic partner at no cost to you.

3 This service can help you to set forth your decisions concerning who cares for your children, inherits your property, follows your wishes regarding extraordinary life -prolonging measures, and handles your affairs. Face-to-Face Estate Resolution Service3 Estate representatives and beneficiaries may receive face-to-face legal assistance with probating your and your spouse s/qualified domestic partner s estates. Beneficiaries can also consult an attorney, from Hyatt Legal Plans network of more than 14,000 participating attorneys, for general questions about the probate process. Like most Group insurance policies, MetLife GVUL contains certain exclusions, limitations, exceptions, reductions, waiting periods and terms for keeping them in force. For additional information, please contact a GVUL Specialist at (800) 936-0931 Monday through Friday, 7:00 to 7:00 (CT).

4 1 Additional premium is subject to tax law limits. In general, if the funding of your certificate exceeds certain limits, it will become a modified endowment contract (MEC) and become subject to earnings first taxation on withdrawals and loans. An additional 10% penalty for withdrawals and loans taken before age 59 will also generally apply. MetLife will notify you if a contribution would cause your certificate to become an MEC. Potential investment earnings accumulate on a tax-deferred basis. 2 Will Preparation Services are offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty insurance Company and Affiliates, Warwick, Rhode Island. In New York, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation.

5 3 Estate Resolution Services are offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, Estate Resolution Services are provided through insurance coverage underwritten by Metropolitan Property and Casualty insurance Company and Affiliates, Warwick, Rhode Island. Exclusions: The following services are not covered by the service: Matters in which there is a conflict of interest between the executor, administrator, any beneficiary or heir and the estate; any disputes with the Policyholder, Employer, Plan Attorneys, MetLife and/or any of its affiliates; any disputes involving statutory benefits; Will contests or litigation outside Probate Court; Appeals; Court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters. Any discussion of taxes is for general informational purposes only and does not purport to be complete or cover every situation.

6 MetLife, its agents and representatives may not give tax advice and this document should not be construed as such. Please seek advice based on your particular circumstances from a qualified tax advisor. Prospectuses for Group Variable Universal life insurance can be obtained by calling (800) 756-0124. You should carefully consider the information in the prospectuses about the contract s features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlying funding choices. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. All product guarantees are subject to the financial strength and claims-paying ability of Metropolitan life insurance Company. There is no guarantee that any of the Variable options in this product will meet its stated goals or objectives.

7 Cash value allocated to the Variable investment options is subject to market fluctuations so that, when withdrawn or surrendered, it may be worth more or less than the amount of premiums paid. Group Variable Universal life insurance (GVUL) is issued by Metropolitan life insurance Company (MLIC), New York, NY 10166, and distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIC and MLIDC are MetLife companies. Certificate Forms (2003); (2003); and Coverage may also be provided on MetLife s previous standard Policy Forms 30037(6/96); FL: 3003709(5/2005); IN: 3003713(6/96); MA: 3003720(6/96); MD: 3003719(6/96); MN: 3003722(6/96); MS: 3003723(5/2005); NE: 3003726(6/96); NY: 3003731(5/2005); OK: 3003735(6/96); OR: 3003736(5/2005); PA: 3003737(6/96); SC: 3003739(6/96); SD: 3003740(6/96); and in TX: 3003772(5/2005). L0516466025[exp0517][All States][DC,GU,MP,PR,VI] Metropolitan life insurance Company, NY, NY