Pioneer AnnuiStar^SM Variable Annuities make it easy to establish and manage an effective, well diversified portfolio, with a wide range of investment options and automatic programs to help take some of the guesswork out of long-term investing.

There are no transaction fees or tax consequences associated with the following programs, so all of your money continues to work for you.

Automatic Account Rebalancing
Changes in market conditions can cause your portfolio to become unbalanced, with more of one type of asset than you’d like. To keep your annuity diversified and in line with your original investment strategy, you can choose to periodically have your portfolio rebalanced to its original allocation. There are no transaction fees or tax consequences associated with this program, so all of your money continues to work for you.

This hypothetical example is for illustration only and is not indicative of past or future performance of investment options in Pioneer AnnuiStar^SM variable annuities. Investment portfolios will fluctuate and, when redeemed, units may be worth more or less than their original cost. Please note that as part of an overall portfolio strategy, diversification may help reduce, but not eliminate, volatility and will not protect against market loss.

Automatic Dollar Cost Averaging (DCA)
This systematic approach to investing can help ease the effects of market fluctuations on your investment value, and it may also help you accumulate more money over time. The DCA program moves the same amount of money at regular intervals from either the Fixed Account or one of the enhanced DCA accounts (which may offer higher interest rates for six, 12 or 24 months) into the variable investment options of your choice. As the market fluctuates, your investment buys fewer shares or “units” at higher prices and more units at lower prices. As a result, the average cost of your units may be lower than a one-time investment or than the average price per unit.

As you can see in the chart above, a hypothetical investment of $1,000 per month through dollar cost averaging could have helped lower the average cost of investing over time.

Dollar cost averaging does not guarantee a profit, nor protect against loss in a prolonged declining market environment. Because dollar cost averaging involves continuous investment regardless of fluctuating price levels, you should carefully consider your financial ability to continue investing through periods of low prices.

Neither MetLife nor its representatives provide tax or legal advice. Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained on this page is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax advisor or attorney.

LCN: T1335 (exp.5/07)