Updating Summary Prospectus (Form 497VPU)

Updating Summary Prospectus For Investors In
MetFlex Flexible Premium Variable Life Insurance Policy and
MetFlex C Flexible Premium Variable Life Insurance Policy

Issued by Separate Account UL Of Metropolitan Life Insurance Company

This Updating Summary Prospectus summarizes key features of MetFlex and MetFlex C Policies (the "Policy" or "Policies"), issued by Metropolitan Life Insurance Company ("Metropolitan Life", "MetLife", "we", "our", "us" or "the Company").

The Prospectus for the Policies contains more information about the Policies, including features, benefits, and risks. You can find the current Prospectus and other information about the Policies online at dfinview.com/metlife/PUFT/MET000229. You can also obtain this information at no cost by calling (877) 638-3932 or by contacting us at [email protected].

Additional information about certain investment products, including variable life insurance contracts, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

Neither the Securities and Exchange Commission ("SEC") nor any state securities authority has approved or disapproved of these securities, nor have they determined if this Prospectus is accurate or complete. Any representation otherwise is a criminal offense. This Prospectus does not constitute an offering in any jurisdiction where such offering may not lawfully be made. Interests in the Separate Account, the Fixed Account and the Portfolios are not deposits, obligations of, or insured or guaranteed by, the U.S. Government, any bank or other depository institution including the Federal Deposit Insurance Corporation ("FDIC"), the Federal Reserve Board or any other agency, entity or person. MetLife's obligations under the Policy are subject to its financial strength and claims-paying ability.

TABLE OF CONTENTS 

UPDATED INFORMATION ABOUT YOUR POLICY	3
IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY	3
GLOSSARY	6
APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE POLICY	A-1

UPDATED INFORMATION ABOUT YOUR POLICY

The information in this Updating Summary Prospectus is a summary of certain Policy features that have changed since You last received the Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since You entered into your Policy:

IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY 

	FEES AND EXPENSES			LOCATION IN PROSPECTUS
Charges for Early Withdrawal	None			-
Transaction Charges	You may be charged for certain transactions, such as sales charges, underwriting charges or other charges related to increases in specified face amount, charges to pay for certain taxes when you make a Premium payment or transfer Cash Value between investment options.			Charges and Deductions -  Sales Charge; Administrative Charge; Charge for Average Expected State and Local Taxes Attributable to Premiums; Charge for Expected Federal Taxes Attributable to Premiums; and Other Charges
Ongoing Fees and Expenses (annual charges)	In addition to charges described above, an investment in the Policy is subject to certain ongoing fees and expenses, including a mortality and expense risk charge, a monthly deduction covering the cost of insurance under the Policy and charges for optional benefits added by rider. Such fees and expenses are set based on characteristics of the Insured (e.g., the Insured's sex (if permitted by law and applicable under your Policy), Age, underwriting class and rate class. Please refer to the specifications page of your Policy for applicable rates. You will also bear expenses associated with the Portfolios available under your Policy, as shown in the following table:			Charges and Deductions- Charges Included in the Monthly Deduction   Charges and Deductions - Charges Included in the Monthly Deduction   Charges and Deductions -Portfolio Company Charges
	ANNUAL FEE	MIN.	MAX.
	Investment options (Portfolio fees and expenses)	0.25%	3.38%
	RISKS			LOCATION IN PROSPECTUS
Risk of Loss	You can lose money by investing in this Policy, including loss of principal.			Principal Risks

GLOSSARY

Age - The age of an Insured refers to the Insured's age at his or her nearest birthday.

Attained Age - The Insured's Issue Age plus the number of completed Policy years.

Base Policy - The Policy without riders.

Beneficiary - The beneficiary is the person or persons designated by the Policy owner to receive insurance proceeds upon the death of the Insured. A beneficiary may be changed as set forth in the Policy and this Prospectus. Unless otherwise stated in the Policy, the beneficiary has no rights in the Policy before the death of the Insured. If there is more than one beneficiary at the death of the Insured, each will receive equal payments unless otherwise provided by the Policy owner.

Cash Surrender Value - The amount You receive if You surrender the Policy. It is equal to the Policy's Cash Value reduced by any outstanding Policy loan and accrued and unpaid interest.

Cash Value - A Policy's cash value includes the amount of its cash value held in the Separate Account, the amount held in the Fixed Account, and if there is an outstanding Policy loan, the amount of its cash value held in the Loan Account.

Date of Policy - The date on which coverage under the Policy and monthly deductions begin. If you make a Premium payment with the application, unless you request otherwise, the date of policy is generally the date the Policy application is approved. If you choose to pay the initial Premium upon delivery of the Policy, unless you request otherwise, the date of policy is generally the date on which we receive your initial payment. The date of policy is used to measure Policy years, Policy months, and Policy anniversaries.

Designated Office - Our Designated Office varies based on the type of service request or transaction that you are making. For the most recent Designated Office address, please call (877) 638-3932 or contact us at [email protected].

Division - A sub-account of the Separate Account that invests in shares of an open-ended management investment company or other pools of investment assets.

Fixed Account  - The fixed account is a part of our General Account to which you may allocate Net Premiums. It provides guarantees of principal and interest. Aspects of the fixed account are briefly summarized in order to give a better understanding of how the Policy functions.

Fund - An underlying mutual fund in which the Separate Account assets are invested.

General Account - The assets of Metropolitan Life other than those allocated to the Separate Account.

Indebtedness - The total of any unpaid Policy loan and loan interest.

Insured - The person upon whose life the Policy is issued.

Investment Start Date -  The later of the policy date and the date we first receive a Premium payment for the Policy.

Issue Age - The Age of the Insured as of his or her birthday nearest to the policy date.

Loan Account - The account to which Cash Value from the Separate and/or Fixed Accounts is transferred when a Policy loan is taken.

Monthly Anniversary - The same date in each month as the policy date. For purposes of the Separate Account, whenever the monthly anniversary date falls on a date other than a valuation date, the next valuation date will be deemed to be the monthly anniversary.

Net Premium - The net premium is equal to the Premium payment minus the sales charge, state tax charge and federal tax charge, administrative charges and any rider charges.

Planned Premium - The planned premium is the Premium payment schedule you choose to help meet your future goals under the Policy. The planned premium consists of a first-year Premium amount and an amount for Premium payments in subsequent Policy years. It is subject to certain limits under the Policy.

Portfolio - A portfolio represents a class (or series) of a Fund in which a Division's assets are invested.

Premiums - Premiums include all payments under the Policy, whether a Planned Premium or an unscheduled payment.

Separate Account - Metropolitan Life Separate Account UL, a separate account established by MetLife to receive and invest Premiums paid under the Policies and certain other variable life insurance policies, and to provide variable benefits.

Target Premium - We use the target premium to determine the amount of Mortality and Expense Risk Charge imposed on the Separate Account and the amount of sales charge imposed on Premium payments. The target premium varies by Issue Age, sex (except for unisex Policies), smoking status and any flat extras and substandard rating of the Insured, and the Policy's base face amount, with additional amounts for most riders.

You - "You" refers to the Policy owner.

APPENDIX A: PORTFOLIOS AVAILABLE UNDER THE POLICY

The following is a list of the Portfolios currently available. Not all Divisions may be available under your Policy. You should check with your Employer as to which Divisions are available under your Policy. More information about the Portfolios is available in the prospectuses for the Portfolios, which may be amended from time to time and can be found online at dfinview.com/metlife/PUFT/MET000229. You can also request this information at no cost by calling (877) 638-3932 or by contacting us at [email protected].

The current expenses and performance information below reflects fees and expenses of the Portfolios, but does not reflect the other fees and expenses that the Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio's past performance is not necessarily an indication of future performance. 

FUND TYPE	PORTFOLIO AND ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
			1 YEAR	5 YEAR	10 YEAR
Global Equity	AB VPS Sustainable Global Thematic Portfolio* - Class B AllianceBernstein L.P.	1.20%	6.02%	3.02%	9.80%
US Equity	American Funds American High-Income Trust* - Class 2 Capital Research and Management CompanySM	0.62%	8.24%	5.60%	6.96%
International Equity	American Funds EUPAC FundTM*#- Class 2 Capital Research and Management CompanySM	0.72%	26.77%	3.40%	7.00%
US Equity	American Funds Growth Fund - Class 2 Capital Research and Management CompanySM	0.58%	20.24%	13.37%	17.97%
US Fixed Income	American Funds U.S. Government Securities Fund* - Class 2 Capital Research and Management CompanySM	0.50%	7.75%	-0.23%	1.70%
Allocation	Asset Manager 70% Portfolio* - Service Class Fidelity Management & Research Company LLC	0.72%	18.15%	7.53%	8.76%
International Equity	Baillie Gifford International Stock Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Baillie Gifford Overseas Limited	0.74%	19.31%	0.96%	7.62%
US Fixed Income	BlackRock Bond Income Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC	0.38%	7.95%	-0.17%	2.38%
US Equity	BlackRock Capital Appreciation Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC	0.56%	13.19%	11.07%	15.80%
US Fixed Income	BlackRock Ultra-Short Term Bond Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: BlackRock Advisors, LLC	0.37%	4.15%	3.09%	2.10%
Allocation	Brighthouse Asset Allocation 100 Portfolio - Class B Brighthouse Investment Advisers, LLC	0.96%	17.06%	8.63%	10.70%

FUND TYPE	PORTFOLIO AND ADVISER/SUBADVISER	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/2025)
			1 YEAR	5 YEAR	10 YEAR
US Equity	T. Rowe Price Large Cap Growth Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc.	0.56%	15.70%	9.64%	14.39%
US Equity	T. Rowe Price Large Cap Value Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc.	0.53%	12.32%	10.55%	10.36%
US Equity	T. Rowe Price Mid Cap Growth Portfolio*§(1) - Class B Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc. is the subadviser T. Rowe Price Investment Management, Inc. is the sub-subadviser	0.95%	3.42%	3.83%	9.77%
US Equity	T. Rowe Price Small Cap Growth Portfolio - Class A Brighthouse Investment Advisers, LLC Subadviser: T. Rowe Price Associates, Inc.	0.51%	10.30%	5.75%	10.88%
International Equity	Templeton Foreign VIP Fund* - Class 1 Templeton Investment Counsel, LLC	0.83%	29.51%	8.52%	6.01%
Global Fixed Income	Templeton Global Bond VIP Fund* - Class 1 Franklin Advisers, Inc.	0.50%	16.09%	-0.69%	0.11%
US Equity	Victory Pioneer Mid Cap Value VCT Portfolio* - Class I Victory Capital Management Inc.	0.76%	11.19%	11.16%	9.01%
US Equity	Victory Sycamore Mid Cap Value Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Victory Capital Management, Inc.	0.60%	2.51%	9.90%	9.86%
US Fixed Income	Western Asset Management Strategic Bond Opportunities Portfolio* - Class A Brighthouse Investment Advisers, LLC Subadviser: Western Asset Management Company, LLC	0.57%	9.07%	1.42%	4.03%

The fee and expense information regarding the Portfolios was provided by those Portfolios.

 

 

To learn more about the Policy, you should read the Prospectus and Statement of Additional Information ("SAI") dated the same date as this Updating Summary Prospectus which are incorporated herein by reference and are legally a part of this Updating Summary Prospectus. They include additional information about the Policies and the Separate Account. You can find these documents online at dfinview.com/metlife/PUFT/MET000229. For a free copy of the Prospectus and SAI, to receive free personalized illustrations of death benefits Cash Surrender Value and Cash Values, and to request other information about the Policy, please call (877) 638-3932, contact us through our website at https://sbr.metlife.com.

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