All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] EXCEPTIONAL SERVICE CUSTOMER-FOCUSED SOLUTIONS PROVEN EXPERTISE THE VOLUNTARY VALUE FORMULA Voluntary Is the Solution to Your Benefits Equation Insights from MetLife’s 13 th Annual U.S. Employee Benefit Trends Study

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Solving the Voluntary Value Formula 2 Voluntary benefits continue to be a cost-effective way for employers to drive loyalty and satisfaction amid budget challenges. But as the workforce continues to diversify, voluntary offerings can no longer take a one-size-fits-all approach. MetLife’s Voluntary Value Formula explores the psychological and emotional factors that impact employee purchase decisions, and can serve as a guide for effectively tailoring benefit communications across generations.

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Making the Voluntary Value Connection 3 To perceive the value of a voluntary benefit offering, employees must make the connection between their personal needs and relevant product features. Employers can take steps to help their workers make this connection. Each generation of employees is faced with different challenges. Millennials are paying off student debt and are starting their careers Boomers are facing retirement In the middle, Gen X is feeling pressure to support school-aged children and care for older parents while saving for the future

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Making the Voluntary Value Connection 4 Giving employees the opportunity to pick and choose more benefits that match their needs and lifestyles and can make them feel valued by their organization. Within benefit materials, highlight product features that reflect their day-to-day needs and interests.

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Making the Voluntary Value Connection 5 The true value of a product is in the eye of the beholder and in what brokers and carriers can recommend as go-to solutions. It is important not to just focus on the product cost, but also value-adds in the service experience

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Crunching the Numbers on a Dynamic Workforce 6 The Study takes a close look at the financial circumstances and attitudes specific to the three distinct generations working in the U.S. in 2015, which can serve as valuable context for their benefit selection behaviors.

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Applying the Formula Across Your Portfolio – Life Insurance 7 Positioning product features in a way that reflects employee needs is a great way to demonstrate care, and can improve loyalty and satisfaction. This report looks at this approach across each product.

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Applying the Formula Across Your Portfolio - Disability 8

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Applying the Formula Across Your Portfolio - Dental 9

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Applying the Formula Across Your Portfolio - Supplemental Health 10

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Applying the Formula Across Your Portfolio - Vision 11

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Applying the Formula Across Your Portfolio – Auto & Home 12

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Applying the Formula Across Your Portfolio – Legal & ID Theft Protection 13

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] 14 Questions? Visit BenefitTrends.MetLife.com

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] 15 About The Study About the Study MetLife’s 13th Annual U.S. Employee Benefit Trends Study was conducted during November 2014 through January 2015, and consisted of three distinct studies fielded by ORC International, one of the world’s largest research companies. The employer survey comprised 2,595 interviews with benefits decision makers at companies with at least two employees. The employee survey comprised 2,463 interviews with full-time employees ages 21 and over, at companies with at least two employees. About ORC International ORC International is a leader in the art of business intelligence. Their teams are passionate about discovering what engages people around the world. By combining quality data, smart synthesis and best in class digital platforms, ORC delivers insight that powers the growth and drives the future of their clients’ businesses. To learn more about ORC International, their website,

All data from the 13 th Annual MetLife U.S. Employee Benefit Trends Study unless otherwise noted Metropolitan Life Insurance Company, NY, NY L [exp0117][All States] Insurance Barometer Study, Life Happens, LIMRA. Reshaping life insurance through innovation, technology, By Nick Otto, April 16, 2015, Employee Benefit News ( insurance-through-innovation- technology html) 2. Disability Statistics, updated per July 3rd, The Council for Disability Awareness ( Commissioners Individual Disability Table A, as reported in "Best's Policy Reports," February 1999 ( 4. "Get Sick; Get Out: The Medical Causes of Home Mortgage Foreclosures," a 2008 article in Health Matrix: Journal of Law – Medicine ( 5. Dental Caries (Tooth Decay) in Adults (Age 20 to 64), National Institute of Dental and Craniofacial Research National Institutes of Health. ( 6. Oral Health: The Silent Epidemic. Public Health Rep Mar-Apr; 125(2): ( 7. Employees set sight on vision insurance, By Nick Otto, April 27, 2015, Employee Benefit News ( 1.html) 8. Society of Human Resource Management's 2014 Employee Benefits Survey ( 9. Hacking Tops List of Crimes Americans Worry about Most, Gallup, 2014 ( 10. Cyber Attacks On The Rise. ID Theft Can Help Avoid Lost Productivity. LSK Associates Study in “World At Work.” By Drew Smith, Info Armor ( 16 Sources