929498--3/7/2007--MetLife_Life_&_Annuity_CO_of

related topics

{loss, insurance, financial}

{loan, real, estate}

{regulation, change, law}

{tax, income, asset}

{regulation, government, change}

{operation, international, foreign}

{capital, credit, financial}

{financial, litigation, operation}

{condition, economic, financial}

{competitive, industry, competition}

{stock, price, operating}

A Decline in Equity Markets or an Increase in Volatility in Equity Markets May Adversely Affect Sales of Our Investment Products and Our Profitability The Performance of Our Investments Depends on Conditions that Are Outside Our Control, and Our Net Investment Income Can Vary from Period to Period Competitive Factors May Adversely Affect Our Market Share and Profitability Differences Between Actual Claims Experience and Underwriting and Reserving Assumptions May Adversely Affect Our Financial Results MetLife s Risk Management Policies and Procedures May Leave Us Exposed to Unidentified or Unanticipated Risk, Which Could Negatively Affect Our Business Catastrophes May Adversely Impact Liabilities for Policyholder Claims and Reinsurance Availability A Downgrade or a Potential Downgrade in Our Financial Strength or that of MetLife s Other Insurance Subsidiaries, or MetLife s Credit Ratings Could Result in a Loss of Business and Adversely Affect Our Financial Condition and Results of Operations If Our Business Does Not Perform Well or if Actual Experience Versus Estimates Used in Valuing and Amortizing DAC and VOBA Vary Significantly, We May Be Required to Accelerate the Amortization and/or Impair the DAC and VOBA Which Could Adversely Affect Our Results of Operations or Financial Condition If Our Business Does Not Perform Well, We May Be Required to Establish a Valuation Allowance Against the Deferred Income Tax Asset or to Recognize an Impairment of Our Goodwill, Established at the Acquisition, Which Could Adversely Affect Our Results of Operations or Financial Condition Defaults, Downgrades or Other Events Impairing the Value of Our Fixed Maturity Securities Portfolio May Reduce Our Earnings Defaults on Our Mortgage Loans May Adversely Affect Our Profitability Some of Our Investments Are Relatively Illiquid Fluctuations in Foreign Currency Exchange Rates and Foreign Securities Markets Could Negatively Affect Our Profitability Reinsurance May Not Be Available, Affordable or Adequate to Protect Us Against Losses If the Counterparties to Our Reinsurance or Indemnification Arrangements or to the Derivative Instruments We Use to Hedge Our Business Risks Default or Fail to Perform, We May Be Exposed to Risks We Had Sought to Mitigate, Which Could Materially Adversely Affect Our Financial Condition and Results of Operations Our Insurance Business Is Heavily Regulated, and Changes in Regulation May Reduce Our Profitability and Limit Our Growth Litigation and Regulatory Investigations Are Increasingly Common in the Insurance Business and May Result in Significant Financial Losses and Harm to Our Reputation Changes in Accounting Standards Issued by the Financial Accounting Standards Board or Other Standard-Setting Bodies May Adversely Affect Our Financial Statements Changes in U.S. Federal and State Securities Laws and Regulations May Affect Our Operations and Our Profitability Changes in Tax Laws Could Make Some of Our Products Less Attractive to Consumers The Continued Threat of Terrorism and Ongoing Military Actions May Adversely Affect the Level of Claim Losses We Incur and the Value of Our Investment Portfolio

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929498--3/7/2007--MetLife_Life_&_Annuity_CO_of_Connecticut