Fidelity Investments: Annuities Overview

Before investing, consider the investment objectives, risks, charges, and expenses of the variable annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus containing this information. Please read the prospectus and consider this information carefully before investing. Product availability and features may vary by state. Please refer to the contract prospectus for more complete details regarding the living and death benefits if applicable.

The contract value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value.

Fidelity annuities are issued by Fidelity Investments Life Insurance Company (FILI), and in New York, by Empire Fidelity Investments Life Insurance Company^®, New York, N.Y. FILI is licensed in all states except New York. Some annuities are issued by third-party insurance carriers. The contract's financial guarantees are solely the responsibility of the issuing insurance company.

MetLife Growth and Guaranteed Income annuity (Policy Form Series No. 8800 (10/09)) is issued by MetLife Investors USA Insurance Company (MLIUSA), 5 Park Plaza, Suite 1900, Irvine, CA 92614 and, in New York (Policy Form Series No. 6800 (10/09)), only by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 (each, a "MetLife" company). MLIUSA and Metropolitan Life Insurance company are affiliates. The contract's financial guarantees are solely the responsibility of the issuing insurance company. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors; they are not affiliated with any MetLife company.

Annuities are distributed by Fidelity Brokerage Services, Member NYSE, SIPC, and/or Fidelity Insurance Agency, Inc.

Guarantees apply to certain insurance and annuity products (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer�s claims-paying ability and financial strength.
Before exchanging, check with your current provider to see if it will assess a surrender charge, and also consider the existing benefits and features you may lose in an exchange.
Any gains are taxed at ordinary income tax rates when withdrawn. In addition, taxable amounts withdrawn prior to age 59½ may be subject to a 10% IRS penalty.

Investment Products
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	Highlights New MetLife Growth and Guaranteed Income^SM annuity Find out more about lifetime income and growth potential with this deferred variable annuity. PIMCO VIT bond funds Now available in Fidelity Personal Retirement Annuity^®, our deferred variable annuity. Compare annuities available through Fidelity Find out which annuity may be right for you. Annuity Calculator Compare a tax-deferred annuity to a taxable investment. Guaranteed Income Estimator This page will open in a popup window Estimate your monthly guaranteed income payments.

	Before investing, consider the investment objectives, risks, charges, and expenses of the variable annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus containing this information. Please read the prospectus and consider this information carefully before investing. Product availability and features may vary by state. Please refer to the contract prospectus for more complete details regarding the living and death benefits if applicable. The contract value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. Fidelity annuities are issued by Fidelity Investments Life Insurance Company (FILI), and in New York, by Empire Fidelity Investments Life Insurance Company^®, New York, N.Y. FILI is licensed in all states except New York. Some annuities are issued by third-party insurance carriers. The contract's financial guarantees are solely the responsibility of the issuing insurance company. MetLife Growth and Guaranteed Income annuity (Policy Form Series No. 8800 (10/09)) is issued by MetLife Investors USA Insurance Company (MLIUSA), 5 Park Plaza, Suite 1900, Irvine, CA 92614 and, in New York (Policy Form Series No. 6800 (10/09)), only by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 (each, a "MetLife" company). MLIUSA and Metropolitan Life Insurance company are affiliates. The contract's financial guarantees are solely the responsibility of the issuing insurance company. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors; they are not affiliated with any MetLife company. Annuities are distributed by Fidelity Brokerage Services, Member NYSE, SIPC, and/or Fidelity Insurance Agency, Inc. Guarantees apply to certain insurance and annuity products (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations and the insurer�s claims-paying ability and financial strength. Before exchanging, check with your current provider to see if it will assess a surrender charge, and also consider the existing benefits and features you may lose in an exchange. Any gains are taxed at ordinary income tax rates when withdrawn. In addition, taxable amounts withdrawn prior to age 59½ may be subject to a 10% IRS penalty. L1009065930[1210]

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