For Producer Use Only. Not for Public Distribution. Live Better, Leave More SM Improve your clients’ retirement outlook today & enhance their wealth transfer tomorrow

For Producer Use Only. Not for Public Distribution. Agenda The Live Better, Leave More strategy Case studies & action plan Identify potential clients & concerns

For Producer Use Only. Not for Public Distribution. Identify Potential Clients & Concerns

For Producer Use Only. Not for Public Distribution. Retired or Close to Retired Single or Married Assets are meeting income goals Conflict between Leaving a legacy to children and spending in retirement May be interested in charitable giving Do you Know this Client? In determining whether a client has sufficient “Excess Assets” to be considered appropriate for the Live Better/Leave More strategy, all future expenses, including potential emergency and long term care needs should be considered. All cases are subject to our standard underwriting guidelines regarding cash flow, net worth, premium outlay and need. Living on personal savings Typically moderate net-worth, BUT … Has Excess Assets

For Producer Use Only. Not for Public Distribution. I believe that I have enough assets to provide me the income I need for the rest of my life. How do I best transfer my remaining wealth to my loved ones? The Concern

For Producer Use Only. Not for Public Distribution. The Live Better, Leave More Strategy

For Producer Use Only. Not for Public Distribution. Evaluate client assets for wealth transfer goals. Retirement assets designed for income can help clients Live Better. Tax-efficient assets can help them Leave More. What is Live Better, Leave More?

For Producer Use Only. Not for Public Distribution. Bonds CDs Turn off Dividend Reinvest option on mutual funds Annuity with guaranteed withdrawal benefits Immediate annuity Charitable Remainder Trusts/Gift annuities Potential Options to Live Better

For Producer Use Only. Not for Public Distribution. Life Insurance ILIT Dynasty Trust Charitable Trusts w/ Wealth Replacement Trusts Potential Options to Leave More

For Producer Use Only. Not for Public Distribution. Implementing the strategy Evaluate Non-income Producing Assets for Wealth Transfer Efficiency 5 1 Discuss Goals with Clients 2 Inventory Assets 3 Identify Current Income 4 Identify Potential for Greater Income 6 Implement the Plan Discuss Goals with Clients Inventory Assets Identify Current Income Identify Excess Assets Evaluate Excess Assets for Wealth Transfer Efficiency Implement the Plan

For Producer Use Only. Not for Public Distribution. Reduces stress Provides method to fund legacy with excess assets Potentially increases net estate for beneficiaries by transitioning to income and estate tax free asset Benefits to Your Client

For Producer Use Only. Not for Public Distribution. Deepens client relationships Uncovers additional assets Introduces you to the next generation Benefits to You

For Producer Use Only. Not for Public Distribution. Action Plan Discuss Strategic Partnership 1 Identify and Qualify Clients 2 Schedule Time for Client Meetings 3 Set Client Meeting to Confirm Data, Identify Problems/ Solutions, Initiate Underwriting 4 Deliver Presentation Materials if Required 5 Implement Solutions 6 Discuss Strategic Partnership Identify and Qualify Clients Schedule Time for Client Meetings Set Client Meeting to Confirm Data, Identify Problems/ Solutions, Initiate Underwriting Deliver Presentation Materials if Required Implement Solutions

For Producer Use Only. Not for Public Distribution. Important Information 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 or other financial products and services. 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. Consult the policy for costs and complete details. Insurance Products: 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 BDVL21016 L [0215] © 2014 METLIFE, INC.; PEANUTS © 2014 Peanuts Worldwide. Metropolitan Life Insurance Company 200 Park Avenue New York, NY