Pioneer PRISM XC Variable Annuity - Pioneer Investments

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e Delivery Wouldn’t it be great to: • access important documents whenever you want? • reduce the clutter on your desk? • conveniently receive, valuable information online? Get it all with MetLife eDelivery ® ! MetLife's eDelivery service is your resource for electronic delivery of your variable annuity or variable life prospectuses, semiannual and annual reports, and other information. Available to variable product clients of Metropolitan Life Insurance Company, First MetLife Investors Insurance Company, General American Life Insurance Company, MetLife Investors Insurance Company, MetLife Investors USA Insurance Company and New England Life Insurance Company. Why sign up for MetLife eDelivery ® ? It’s Free*—No cost to enroll or use the service. It’s Paperless—We’ll email you when your documents are available. It’s Easy—Enrollment takes just a few minutes. How do you sign up? Just type in www.metlife.esourcelink.net to get to MetLife’s online registration form. You will need your policy/account numbers, which can be found on your statements. The form takes only minutes to complete. The solution to all your eDelivery needs is just a few mouse clicks away! * Your internet provider may impose fees for this service. Not part of the prospectus 0703-3940
61 The Variable Annuity Contract issued by FIRST METLIFE INVESTORS INSURANCE COMPANY and FIRST METLIFE INVESTORS VARIABLE ANNUITY ACCOUNT ONE Pioneer PRISM XC May 1, 2009 This prospectus describes the flexible premium deferred variable annuity contract offered by First MetLife Investors Insurance Company (First MetLife Investors or we or us). The contracts are offered for individuals and some tax qualified and non-tax qualified retirement plans. The annuity contract has 27 investment choices. You can put your money in any of these investment portfolios. A guaranteed account option offering an interest rate guaranteed by us is available in connection with the Enhanced Dollar Cost Averaging program during the accumulation phase. The expenses for a contract with a Purchase Payment Credit may be higher than expenses for a contract without a credit. The amount of the Purchase Payment Credit may be more than offset by the fees and charges associated with the credit. We anticipate the contracts, over the long-term, will be profitable for us. Legg Mason Partners Variable Equity Trust (Class II): Legg Mason Partners Variable Aggressive Growth Portfolio Legg Mason Partners Variable Capital and Income Portfolio Met Investors Series Trust (Class B or, as noted, Class E): Dreman Small Cap Value Portfolio Lazard Mid Cap Portfolio MFS ® Research International Portfolio Oppenheimer Capital Appreciation Portfolio PIMCO Inflation Protected Bond Portfolio Pioneer Strategic Income Portfolio (Class E) Van Kampen Mid Cap Growth Portfolio Metropolitan Series Fund, Inc. (Class B, or as noted, Class A or Class E): BlackRock Legacy Large Cap Growth Portfolio (Class E) BlackRock Money Market Portfolio (Class A) Loomis Sayles Small Cap Core Portfolio MFS ® Total Return Portfolio MFS ® Value Portfolio Neuberger Berman Mid Cap Value Portfolio Oppenheimer Global Equity Portfolio Pioneer Variable Contracts Trust (Class II): Pioneer Bond VCT Portfolio Pioneer Cullen Value VCT Portfolio Pioneer Emerging Markets VCT Portfolio Pioneer Equity Income VCT Portfolio Pioneer Fund VCT Portfolio Pioneer High Yield VCT Portfolio Pioneer Mid Cap Value VCT Portfolio Pioneer Real Estate Shares VCT Portfolio Pioneer Variable Contracts Trust — Pioneer Ibbotson Allocation Portfolios (Class II): Pioneer Ibbotson Growth Allocation VCT Portfolio Pioneer Ibbotson Moderate Allocation VCT Portfolio Please read this prospectus before investing and keep it on file for future reference. It contains important information about the First MetLife Investors Variable Annuity Contract. To learn more about the First MetLife Investors Variable Annuity Contract, you can obtain a copy of the Statement of Additional Information (SAI) dated May 1, 2009. The SAI has been filed with the Securities and Exchange Commission (SEC) and is legally a part of the prospectus. The SEC maintains a Web site (http://www.sec.gov) that contains the SAI, material incorporated by reference, and other information regarding companies that file electronically with the SEC. The Table of Contents of the SAI is on Page of this prospectus. For a free copy of the SAI, call us at (866) 547-3793, visit our website at www.metlifeinvestors.com, or write to us at: 5 Park Plaza, Suite 1900, Irvine, CA 92614. 1
Page 1: PIONEER RETIREMENT INCOME STRATEGIE
Page 5 and 6: TABLE OF CONTENTS Page Page INDEX O
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Page 9 and 10: IRA contract. Subject to state appr
Page 11 and 12: The next table describes the fees a
Page 13 and 14: The next table shows the minimum an
Page 15 and 16: Pioneer Variable Contracts Trust -
Page 17 and 18: The Examples should not be consider
Page 19 and 20: Our market timing policies and proc
Page 21 and 22: Pioneer Bond VCT Portfolio Platform
Page 23 and 24: On Monday we receive an additional
Page 25 and 26: decline in the account value of you
Page 27 and 28: opportunities and forced liquidatio
Page 29 and 30: $12,000 allocation to a 6-month pro
Page 31 and 32: well as expenses associated with ma
Page 33 and 34: 90 days if there is no more than a
Page 35 and 36: If you do not choose an annuity opt
Page 37 and 38: Under most circumstances, withdrawa
Page 39 and 40: eceive from the contract over time
Page 41 and 42: contract year, we will continue pay
Page 43 and 44: in the Automated Required Minimum D
Page 45 and 46: Revenue Code and regulations thereu
Page 47 and 48: higher Benefit Base, which would in
Page 49 and 50: Summary of Guaranteed Withdrawal Be
Page 51 and 52: If you have a joint owner, the deat
Page 53 and 54:
under the federal Defense of Marria
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entire amount of all future payment
Page 57 and 58:
whether your variable income annuit
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an owner of such a contract present
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at our Annuity Service Center (or a
Page 63 and 64:
APPENDIX A Participating Investment
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Pioneer Emerging Markets VCT Portfo
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APPENDIX B EDCA Examples with Multi
Page 69 and 70:
APPENDIX C Guaranteed Withdrawal Be
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Delay taking withdrawals and receiv
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Payment of $10,000, the Annual Bene
Page 75 and 76:
$120,000 $100,000 $80,000 $60,000 A
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APPENDIX D Death Benefit Examples T
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D-3
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If you would like the Statement of
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Arithmetic Average Illustration Ass
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NOT PART OF THE PROSPECTUS L0309027
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Our Privacy Notice We know that you
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BUSINESS CONTINUITY PLAN DISCLOSURE
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First MetLife Investors Insurance C
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Pioneer PRISM XC Variable Annuity - Pioneer Investments

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