Determining your family’s financial needs Hello, my name is ________and I am a __________with _______. I’d like to thank you all for joining me today as I help you identify your family’s financial needs, make sense of your options and determine the best approach to address your specific goals. Everyone’s financial goals are a little bit different and the good news is that there are many options and many financial products available to help meet each of those different goals. But the difficulty you may face is that when you have so many choices, it can become overwhelming to know which one is right for you. That confusion and uncertainty often locks us into a perpetual state of procrastination. And this can be problematic because the longer you put it off, the more vulnerable you are leaving yourself, your loved ones and your assets. I invited you here today so I could provide you some potential solutions and help you make a decision. Today, you’ll acquire a better understanding of your life insurance options and become better positioned to create a strategy to help reach your personal financial goals.

Family Legacy Lifestyle Career Retirement Education Live life your way. Family Legacy Lifestyle Career Retirement Education Let me start by asking you why you came here today. I assume that most of you probably came here today because you wanted to receive some straight-forward information and practical advice about choosing the right amount and type of life insurance protection…and that’s exactly what today’s presentation is about. But that’s not what I meant with my question…I want you to think about what motivated you to come here today. Do you have children at home whose financial future you want to help protect? Do you have a spouse whose lifestyle you want to preserve if something were to happen to you? Do you have commitments you’ve made that you want to be able to honor in the future, like paying off a mortgage, sending your kids to college, caring for aging parents or fulfilling a promise to your community or business partners? With the proper strategy in place, you can help ensure that you will be able to accomplish these goals. What kind of opportunities do you want to be able to offer your family? What kind of legacy would you like to leave for your children? What kind of life do you and your spouse want to live now and in the future? The right life insurance strategy can help you to achieve these goals, even if something unexpected were to happen. A carefully designed financial protection strategy can give you the confidence and freedom to live life your way, while addressing potential risk. I’m delighted to be able to share with you a possible solution that can help protect your family’s financial needs. In fact, I think you’ll find the next 45 minutes very uplifting even though we will be talking about some unpleasant possibilities, like what would happen to your loves ones in the event of your premature death. Because having a plan that gives you the ability to protect your loved ones, to help you leave a meaningful legacy and to bring you closer to your financial goals is very powerful and can make such a positive difference in your lives.

How do you get started? One in four Americans say they need more life insurance* 80% of people overestimate the cost* And… Only one in five are very likely to recommend it to a friend, family member, or colleague* It seems as though the majority of people recognize the value in owning life insurance for their loved ones, but something prevents individuals from actually purchasing a policy. Individuals and families not having enough life insurance is not a new problem. Are you surprised by the numbers shown here from LIMRA? *LIMRA, 2014 Insurance Barometer Study

Life insurance: pain or promise? What would you rather do… Go to the DMV? Have a root canal? Baby sit sextuplets? Talk about life insurance? Many people do not like to think about life insurance. In addition to the unpleasant task of contemplating one’s own mortality, the process can be long, confusing and involve uncomfortable medical questions or exams. While no one may like to dwell on the fact that we are all going to die one day, it is important to consider how often “premature” deaths occur. You likely know several people who have passed far too young— from a car accident, act of violence or medical condition such as cancer or heart disease. This is all the more reason to stop procrastinating and start preparing to ensure your loved one’s financial future! Once you get past the pain of talking about life insurance, you’ll find that it offers a very important promise. When you buy life insurance, you enter into a contract with an insurance company that promises to provide your beneficiaries with a certain amount of money upon your death. In return you make periodic payments, called premiums. The premium amount is based on factors such as your age, gender, medical history and the dollar amount of life insurance purchased. The money paid to your beneficiaries can be used in a variety of very beneficial ways: it can pay for your funeral expenses and pay off any outstanding debt you may have, it can cover day-to-day expenses for your loved ones, it can ensure your family is able to stay living in the family home and maintain their current lifestyle, it can ensure that your family’s goals are still attainable – such as going to college or starting or continuing a business and it can leave an important legacy for your children or favorite charity.

The flexibility of life insurance Protect loved ones with what is generally an income tax free death benefit Potentially transfer wealth without federal estate taxes if life insurance is purchased within a properly structured irrevocable life insurance trust Accumulate a tax-deferred cash value, with certain policies1 1 Distributions are generally treated first as tax-free recovery of basis and then as taxable income, assuming the policy is not a Modified Endowment Contract (MEC). However, different rules apply in the first fifteen policy years, when distributions accompanied by benefit reductions may be taxable prior to basis recovery. Non-MEC loans are generally not subject to tax but may be taxable when the policy lapses, is surrendered, exchanged or otherwise terminated. In the case of a MEC, loans and withdrawals are taxable to the extent of policy gain and a 10% penalty may apply if taken prior to age 59 1/2. Always confirm the status of a particular loan or withdrawal with a qualified tax advisor. Cash value accumulation may not be guaranteed depending on the type of product selected. Investments in variable life insurance are subject to market risk, including loss of principal. Life insurance provides several important benefits. First, life insurance provides an important financial resource for your loved ones in the event of your untimely death. The money paid to your beneficiaries is federal income tax-free. The death benefit also has the potential to be excluded from your taxable estate if the policy is purchased inside an Irrevocable Life Insurance Trust. Without this protection, a significant portion of your estate can be diluted by taxes. Life Insurance trusts are beyond the scope of our discussion today, but this is an important feature that you should remember to ask a financial advisor about should you worry you may have a taxable estate. In addition, by bypassing the often lengthy probate process, life insurance benefits can be paid quickly and directly to your beneficiaries to be used for funeral expenses or estate taxes. This feature may also help eliminate the need for the liquidation of other assets. But there’s more to life insurance than you might realize. Certain types of life insurance can provide additional benefits while you are living, such as accumulating a tax-deferred cash value that you can access if necessary. This cash value can provide you with a supplemental source of income in the event of a sudden medical crisis or help pay for retirement or education expenses. Loans and withdrawals will decrease the cash value and death benefit. In fact, life insurance offers several options that allow you to choose the right policy for your particular lifestyle and financial goals. MetLife, its agents, and representatives may not give legal, tax or accounting advice and this document should not be construed as such. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

How much life insurance do I need? Capital Needs Analysis - analyzes your family’s future financial needs Once you’ve decided that life insurance is a good idea for you, the next step is to determine how much coverage you need. This is a difficult question to answer and often this is the point at which people get overwhelmed and decide to put off their life insurance decisions even longer. There are literally hundreds, if not thousands, of different calculators or worksheets available in books and online that you could use to help determine how much life insurance you should buy. They range from very simple to extremely complex. This is a very personal decision, you should make sure to include your financial, legal and tax advisors when determining the exact amount of life insurance that is right for you. Today, I will discuss the Capital Needs Analysis, which focuses not so much on what you are providing now, but more on what your loved ones will need after you’re gone. Let’s walk through it…

Capital Needs Analysis How does it work? Determine the primary breadwinner’s total income contribution Add the other spouse’s income, if applicable Multiply the total family income by the percentage of income necessary to support the family if the primary breadwinner dies Subtract the surviving spouse’s income from the assets required to support the family to determine the income gap to be replaced A Capital Needs Analysis can help determine the amount of money a family may require following the death of a breadwinner. Instead of focusing on your financial contribution, it focuses on estimating the ongoing income your loved ones would need in order to meet their expenses. The Capital Needs Analysis focuses solely on income replacement of a family wage earner. If you have other life insurance calculation needs such as estate planning or business planning, this basic computation will not generate the desired results, and you will need a much more sophisticated analysis. How does it work? Determine the primary breadwinner’s total income contribution Add the other spouse’s income, if applicable Multiply the total family income by the percentage of income necessary to support the family if the primary breadwinner dies. Subtract the surviving spouse’s income from the assets required to support the family to determine the gap income to be replaced. Even if you cannot afford all the coverage you need today, it is important to know what your goals are if you are going to achieve them over time.

Hypothetical Example of Capital Needs Analysis Case Study – Chris and Jennifer Hypothetical Example of Capital Needs Analysis Married Couple of 7 years: $150,000 + $50,000 $200,000 x 80% $160,000 – $50,000 $110,000 Chris’ salary - age 35 Jennifer’s salary – age 34 Total annual income Percentage of income necessary to continue standard of living Actual income needed to maintain standard of living Jennifer’s salary INCOME GAP TO BE REPLACED Let’s look at a case study. Chris and Jennifer are in their mid-30s and have been married for seven years. While Chris is the primary breadwinner, Jennifer continues to work at reduced hours at home while she raises their two children, Emily and Ethan. They are both concerned they don’t have enough assets set aside to continue to raise the children in their current lifestyle should something unforeseen happen to Chris. Let’s look at their hypothetical capital needs analysis. This Example Is For Illustration Purposes Only. Actual Results Will Vary.

Case Study – Chris and Jennifer Hypothetical Example of Capital Needs Analysis NO LIQUIDATION APPROACH Set aside funds, preserve principal, survivors live off earnings LIQUIDATION APPROACH Liquidate assets over a period of years Income Gap to be replaced 2,200,000 (Add one time expenses) + $570,000 $2,770,000 (Less existing assets) – $780,000 DEATH BENEFIT $1,990,000 Income Gap to be replaced 1,439,385 (Add one time expenses) + $570,000 $2,009,385 (Less existing assets) – $780,000 DEATH BENEFIT $1,229,385 We assume Jennifer will need approximately $110,000 per year to continue working part-time while she raises the children should Chris pass away. Where will the income come from? In our example, there are essentially two ways the income can be generated. Many clients prefer to leave the assets intact and only use earnings from the assets for income. Others may be comfortable spending a portion of the principal in conjunction with the earnings to create an income stream. The decision will largely depend on how secure you are in the assumptions you choose. If you worry greatly about inflation, market performance or unexpected expenses-you may be more comfortable if you don’t dip into principal for yearly income payments. If you feel secure the surviving spouse may be able to increase their own earnings with more hours at work or through promotion, you may elect to withdraw some of the principal each year. Let’s take a look at the two examples side by side in Chris and Jennifer’s hypothetical situation. What did they decide? Based on their joint concern that the survivor’s needs be covered and the principal remain, they elect the no liquidation approach and purchase a $2,000,000 single-life insurance policy to cover immediate needs and ongoing expenses in the event of Chris’ premature death. This hypothetical is for illustration purposes only, actual results will vary. These calculations assume a 5% return on assets. Growth rate is a hypothetical growth rate, selected by clients and based on what they believe is a reasonable rate of return for their risk tolerance. The Liquidation Approach in this example uses a 20 year timeframe.

Types of Life Insurance Term vs. Permanent TERM PERMANENT Whole Life Guaranteed level premiums for life. Yes Life Insurance company bears risk. Income replacement/ supplemental income strategy Universal Life Flexible premiums for life. Yes Life Insurance company bears risk. Estate planning/ legacy planning Variable Universal Life1 Flexible premiums for life. Yes2 Yes Life Policy owner bears risk. Supplemental income strategy Term Life Level premiums for term of policy. No Specific term is defined by the policy selected. Generally 10, 15, 20 or 30 years. None Income replacement Premiums Cash Value Loans/Withdrawals3 Coverage4 Investment Risk Commonly Used For The next step is to select a life insurance policy that can best provide your beneficiaries with the coverage they need. Let’s talk about the different types of life insurance that you can choose from. There are two basic types of life insurance – term and permanent Term insurance is purchased for a specific period of time, or “term” such as 20 years. The death benefit is paid if you die during the policy’s stated term. At the end of the term, coverage can usually be continued, but the premiums will typically increase. This type of policy generally has no cash value. Permanent life insurance is designed to cover your entire lifetime. All permanent life insurance policies also contain a cash value component. The growth potential of the policy’s cash value will vary based on the type of policy and its features, but it is important to know that any cash value accumulation will be tax-deferred for income tax purposes if properly structured. This means that an annual tax statement will not be issued and you may realize additional accumulation as a result of not having to pay taxes on the underlying annual earnings. If necessary, the cash value can be accessed during your lifetime to supplement retirement income or help with education expenses for your children. Loans and withdrawals will decrease the cash value and death benefit. Permanent life insurance is available in several variations: Whole Life, Universal Life and Variable Universal Life. 1 Investments in variable life insurance are subject to market risk, including loss of principal. 2 Cash value accumulation of variable life insurance is not guaranteed. 3 Loans and withdrawals will decrease the cash value and death benefit. Tax-favored distribution assumes that the life insurance policy is properly structured and not classified as a Modified Endowment Contract (MEC). Withdrawals are made up to the cost basis and policy loans thereafter. If the policy is a MEC, cash value is taxable upon withdrawal and if withdrawn before age 59½, a 10% federal income tax penalty may apply. If a policy should lapse or be surrendered prior to the death of the insured, there may be significant tax consequences. Loans and withdrawals will decrease the cash value and death benefit. 4 Coverage is subject to adequate policy funding. 10

Term Life Insurance Low cost death benefit protection Purchased for a specified period of time Annual premium typically remains level No cash value feature Conversion privileges Level premium versus yearly increasing Term Life Level premiums for term of policy No Specific term is defined by the policy selected. Generally 10, 15, 20 or 30 years. None Income replacement Premiums Cash Value Loans/Withdrawals Coverage Investment Risk Commonly Used For Let’s take a closer look at term insurance. Term insurance is generally the lowest cost life insurance for the death benefit. It provides protection only for a specified term of years and is best suited for needs you have that will expire if you outlive the term of the contract, such as a mortgage payoff or college education. Typically the annual premium remains level during that timeframe but may be designed to increase annually. Term insurance offers protection against the possibility of dying too soon and the death benefit will be paid if you die during the term of the policy. For small business owners, term insurance can also be used to establish collateral for a loan while your business is getting off the ground. Term insurance may be a convenient and affordable option for you if your need for life insurance is temporary. The lower premiums may enable you to buy higher levels of coverage when your need for this type of protection is often the greatest. Term insurance is only purchased for the death benefit feature, and has no potential to accumulate a cash value for the policy owner. A term policy is generally not recommended for such needs as wealth transfer or estate planning because when the policy term expires, the insured will generally need to apply for a new policy and go through the underwriting process all over again. Obtaining a new policy down the road will likely be at increased cost and may not even be possible if the health of the insured changes significantly during the term. Because of its affordability, however, many individuals do actually purchase term insurance for long term needs. If you are considering this type of policy to meet a permanent need then it may be wise to consider a term policy with conversion privileges which would allow the insured to convert the policy to a permanent policy within a specified timeframe without undergoing underwriting a second time. One other thing to consider is that while term insurance may be cheaper in the early years, the cost may rise in future years as the cost of insurance increases with the age of the insured. Certain policies have a guaranteed level premium feature which you may want to consider if this is a concern.

Whole Life Insurance Guaranteed level premiums Guaranteed cash values* PERMANENT Guaranteed level premiums Guaranteed cash values* Guaranteed death benefits Whole Life Premiums Cash Value Loans/Withdrawals Coverage Investment Risk Commonly Used For Guaranteed level premiums for life. Yes Life Insurance company bears risk. Income replacement/ supplemental income Now let’s take a closer look at the three kinds of permanent life insurance. We’ll start with Whole Life insurance. Whole life insurance offers fixed premiums, guaranteed cash values and guaranteed death benefits. Guarantees are subject to the claims paying ability and financial strength of the issuing company. Whole life insurance account values are part of the issuing company’s general account. The policy owner has no control over the investments selected. Instead, the policy owner receives a dividend or a credit of a stated interest rate on the policy account value. Dividends are not guaranteed and are received by policy owners when declared by the company’s board of directors. However, if paid, they may be used to increase the cash value and death benefits over time or even returned to the policyholder in cash. Because whole life policies contain no equity market risk, the crediting rates are generally fairly low. Whole life has been traditionally structured to pay premiums all the years of your life, but today’s polices generally offer more alternatives for structuring premiums, providing greater flexibility. Whole life insurance is generally most appealing to those who desire the flexibility of a policy with cash value and may have low tolerance for risk. *Guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company. Coverage is subject to adequate policy funding. Policy dividends are not guaranteed.

Universal Life Insurance Flexible premium payments and death benefit1 Tax-Advantaged access to cash values -Through Loans and Withdrawals2 Potential for guaranteed3 death benefit2 Permanent death benefit coverage for - Wealth Transfer - Income Protection PERMANENT Universal Life Premiums Cash Value Loans/Withdrawals Coverage Investment Risk Commonly Used For Flexible premiums for life. Yes Life Insurance company bears risk. Estate planning/ legacy planning Certain universal life insurance policy offer permanent death benefit coverage for needs that will not go away such as wealth transfer and income protection. Universal life insurance policies generally have some flexibility in terms of modifying the premium amounts and/ or death benefit while the contract is in force. The flexibility is subject to certain limitations. There is a policy account value component to universal life insurance. The policy cash value earns a credited rate of interest - there are no investment choices to be made by the policy owner. There is a current crediting rate, as well as a guaranteed minimum rate. Universal life insurance may also provide benefits while the client is alive through tax-advantaged loans and withdrawals from the policy value. Any loans and withdrawals from a permanent life insurance policy will reduce the policy’s account value and death benefit. There may also be penalties and fees associated with the use of loans and withdrawals. Many Universal Life insurance policies on the market today offer guaranteed death benefits, these policies often come with the trade off of very little potential to accumulate cash values. Any access to cash values on these types of policies could affect the duration of the policy’s guarantees. Universal Life Insurance is a way to meet long-term financial goals because it can build cash value, provide wealth transfer and income protection. 1 Subject to certain restrictions and limitations. 2 Loans and withdrawals will decrease the cash value and death benefit. Tax-free distributions assume that the life insurance policy is properly structured, is not a Modified Endowment Contract (MEC) and distributions are made up to the cost basis and policy loans thereafter. If the policy has not performed as expected, distributions may need to be reduced, stopped and/ or premium payments may need to be resumed to avoid a policy lapse. There may be tax consequences. 3 If guaranteed Universal Life coverage is purchased loans and withdrawals could negatively impact the policy's duration. 1 Subject to certain restrictions and limitations. Coverage is subject to adequate policy funding. 2 Loans and withdrawals will decrease the cash value and death benefit. Tax-free distributions assume that the life insurance policy is properly structured, is not a Modified Endowment Contract (MEC) and distributions are made up to the cost basis and policy loans thereafter. If the policy has not performed as expected, distributions may need to be reduced, stopped and/ or premium payments may need to be resumed to avoid a policy lapse. There may be tax consequences. 3 If guaranteed Universal Life coverage is purchased loans and withdrawals could negatively impact the policy's duration.

Variable Universal Life Insurance Premiums Cash Value Loans/Withdrawals Coverage Investment Risk Commonly Used For Flexible premiums for life. Yes Life Policy owner bears risk. Supplemental income Variable Universal Life1 PERMANENT Death benefit coverage with equity based investment options Premium and death benefit flexibility Tax-advantaged access to cash values through policy loans and withdrawals.2 Variable Universal life insurance policies feature death benefit coverage with the ability to allocate equity based investment options in the policy account. Most variable universal life insurance contracts offer a wide variety of professionally managed sub-account options which offer a range of risk allocations and return potentials. If the sub-accounts perform better than expected the insured may be able to either increase the amount of the death benefit or reduce the amount of future premiums. The risk of this type of contract is that if the sub-accounts under-perform, additional premiums may be required to keep the policy in force. Like universal life insurance, VUL offers premium and death benefit flexibility, as well as the potential to be paid in full after a certain number of years. One of the greatest advantages of variable universal life insurance is the ability to allocate the cash value to professionally managed sub-accounts with equities exposure. Historically, equities have outperformed other asset classes, therefore VUL policies have the potential to accumulate more cash value than whole life or universal life contracts. This can be especially advantageous when seeking tax-advantaged access to the policy’s cash values through policy loans and withdrawals which can be used to supplement other income needs later in life such as retirement, or education for your children. VUL policies also involve more risk, including loss of premium and potential policy lapse. 1Investments in variable life insurance are subject to market risk, including loss of principal. Cash value accumulation is not guaranteed. Coverage is subject to adequate policy funding. 2Loans and withdrawals will decrease the cash value and death benefit. Tax-free distributions assume that the life insurance policy is properly structured, is not a Modified Endowment Contract (MEC) and distributions are made up to the cost basis and policy loans thereafter. If the policy has not performed as expected, distributions may need to be reduced, stopped and/ or premium payments may need to be resumed to avoid a policy lapse. There may be tax consequences.

Tax-Advantaged Access to Cash Values Non-Modified Endowment Contract Withdrawals are subject to income tax to extent that they exceed basis in the policy Generally tax-free loans Modified Endowment Contract Distributions and loans subject to Federal income tax to extent of gain If withdrawn before age 59 ½, subject to a 10% penalty tax May be penalties associated with loans/ withdrawals Loans and withdrawals will decrease the cash value and death benefit. Tax-free distributions assume that the life insurance policy is properly structured, is not a modified endowment contract (MEC), and distributions are made up to the cost basis and policy loans thereafter. If the policy has not performed as expected and to avoid a policy lapse, distributions may need to be reduced, stopped and/or premium payments may need to be resumed. Should the policy lapse or be surrendered prior to the death of the insured, there may be tax consequences. Assuming a policy is not a Modified Endowment Contract (MEC), access to policy Account Value through loans is free from current Federal income taxation and withdrawals are taxed only to the extent that they exceed the policy owner’s basis in the policy. Distributions from MECs are subject to Federal income tax to the extent of gain in the policy. Taxable distributions are subject to a 10% additional tax, with certain exceptions. Loans and withdrawals from a permanent life insurance policy will reduce the policy’s account value and death benefit. There may be penalties and fees associated with the use of loans and withdrawals.

What are your goals? Protecting your family Accumulating funds Supplementing your income Transferring wealth Reducing estate taxes Continuing a business So, which of these types of life insurance is best-suited for you? The best way to answer that question is by identifying your specific goals and seeking the assistance of a financial professional. Of course you want to provide financial protection for your family in the event of your premature death. But do you have other goals that life insurance can help you achieve? Do you want to accumulate additional funds for educational or retirement expenses? Are you concerned about the ability of your other assets or insurance policies to fund unexpected expenses, such as medical costs? Or do you want to leave behind a legacy that your loves ones can enjoy without losing a significant amount to estate taxes? Or maybe you own a small business and want to be sure that it would continue in the event of your early death?

Action Steps: Identify your motivations/ goals for purchasing insurance Calculate how much insurance you might need Determine the type of insurance policy to purchase Apply for insurance Review annually with a financial professional Identify your motivations/ goals how much type Well, our time together is just about over and I want to thank you for your attention to this very important matter. I’ll leave you with some final thoughts…. You’ve probably all heard the saying that Knowledge is Power. Well, I’d like to take that one step further and say that Motivation combined with Knowledge equals Empowerment. You clearly have the motivation, that’s what brought you here today. Now, you have more knowledge to help you make sense of the choices available to you when it comes to deciding how much life insurance to buy and what kind of policy to select. With those two things combined, you can walk out of this room today feeling empowered to develop a plan that will help ensure financial protection for your loved ones. This empowerment will allow you to live life and pursue your financial goals with confidence! There’s just one catch…. You have to put your motivation and knowledge to work! So here is your action plan: Step 1. Identify your motivations and goals for purchasing life insurance Step 2. Calculate how much insurance you might need to accomplish your goals with the help of a Financial Advisor Step 3. Determine the type of insurance policy to purchase Step 4. Don’t procrastinate Step 5. Apply for insurance Step 6. Review annually with a financial professional to be sure your life insurance plan still meets your family’s changing situation and changing needs. Apply annually

Where to find help? Seek professional advice Reputable insurance company Carrier ratings are important Consider MetLife Hopefully I have given you a better understanding of life insurance than you had when you first walked in this room. There are many nuances with various life insurance products and you may want some more help developing the financial strategies you need to accomplish your goals. A financial professional can help you with these issues and recommend policies that meet your needs. As you become involved in this process you may also find that you require the assistance of tax and legal advisors as well depending on the complexity of what you are hoping to accomplish. Another important point I’d like to mention is that the promise delivered by your life insurance policy is only as solid as the company standing behind it, so please select your insurance company very carefully. Because life insurance policies are not guaranteed by any government organization, it is wise to consider the financial strength of the company you will be purchasing from. Ratings on a company’s financial strength should be considered to protect your investment in the contract. Standard and Poor’s, Moodys, A.M. Best and Fitch can give you unbiased opinions as to a company’s ability to keep the promise they are making when you purchase the policy

Primary Factors to Consider Is your need for insurance temporary? Do you ever anticipate accessing the policy’s cash value? How long do you want to pay premiums? Do you want the premiums to stay the same for the life of the policy? Do you want the flexibility to increase your death benefit? Do you feel more comfortable with a guaranteed death benefit? How much investment risk are you willing to bear? By carefully identifying your financial goals, you’ll be able to decide whether term or permanent life insurance or a combination of the two is best for you. A professional financial advisor can also help you sort through your situation to help you make the right choice so please don’t feel you have to handle this alone. To get you started, here are some questions you can begin to ask yourself to help you pinpoint your personal goals. Is your need for insurance temporary? Do you ever anticipate accessing the policy’s cash value? How long do you want to pay premiums? Do you want the premiums to stay the same for the life of the policy? Do you want the flexibility to increase your death benefit later on? Do you feel more comfortable with a guaranteed death benefit? How much investment risk are you willing to bear?

• Not Guaranteed By Any Bank Or Credit Union • May Go Down In Value Equity Advantage Variable Universal Life is offered by prospectus only, which is available from your registered representative. You should carefully consider the product’s features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlying choices. This and other information is available in the product prospectus and in the prospectuses for the underlying funding choices, which you should read carefully before investing. Product availability and features may vary by state. All product guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. Clients should seek advice based on their particular circumstances from an independent tax advisor since any discussion of taxes is for general informational purposes only and does not purport to be complete or cover every situation. MetLife, its agents, and representatives may not give legal, tax or accounting advice and this document should not be construed as such. Clients should confer with their qualified legal, tax and accounting advisors as appropriate. Like most insurance policies, MetLife’s policies contain charges, limitations, exclusions, termination provisions and terms for keeping them in force. Contact your financial representative for costs and complete details. MetLife Promise Whole Life Select 10, MetLife Promise Whole Life Select 20, and MetLife Promise Whole Life Select 65 are issued by MetLife Investors USA Insurance Company generally on Policy Form 5E-12-10 and in New York only by Metropolitan Life Insurance Company generally on Policy Form 1E-12-10-NY. MetLife Promise Whole Life 120 is issued by MetLife Investors USA Insurance Company generally on Policy Form 5E-12-10 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-12-10-NY. MetLife Promise Whole Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E-12-10 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-12-10-NY. Guaranteed Level Term is issued by MetLife Investors USA Insurance Company on Policy Form 5E-23-12 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-23-12-NY. Legacy Advantage Survivorship Universal Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E-32-05 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-32-05. Guarantee Advantage Universal Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E-34-07 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-34-07-NY. MetLife Provider Universal Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E-36-12 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-36-12-NY. Equity Advantage Variable Universal Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E-46-06 and in New York only, by Metropolitan Life Insurance Company on Policy Form 1E-46-06-NY-1. Variable products are distributed by MetLife Investors Distribution Company (member FINRA). Variable products are offered through MetLife Securities, Inc. at 1095 Avenue of the Americas, New York, NY 10036 (member FINRA/SIPC). Thank you for your participation. • Not A Deposit • Not FDIC-Insured • Not Insured By Any Federal Government Agency • Not Guaranteed By Any Bank Or Credit Union • May Go Down In Value CLVL24047 L0514376294[0515] ©2014 METLIFE, INC. PEANUTS © 2014 Peanuts Worldwide