For Producer Use Only – Not For Use With the General Public

For Producer Use Only – Not For Use With the General Public
Presidents ConfApr1 2009_v3 4/15/2017 SM Leading Edge Disability Center DI Resource Line For Producer Use Only – Not For Use With the General Public

Agenda MetLife and the Individual Disability Insurance Market Introduction of MetLife Income Guard Sales Ideas Applications and Illustrations Marketing Materials For Producer Use Only – Not For Use With the General Public

MetLife is Committed to the IDI Market It’s a New Day at MetLife
Working for you is more than a slogan, it demonstrates our commitment to the IDI business. 6 straight quarters of occupation class enhancements Raised I&P limits Launch of MetLife Income Guard You Product Enhancements Underwriting Enhancements Service Enhancements Sales Enhancements Aligned underwriting teams to sales channels Constant updates to medical impairments guide- better offers Dedicated IDI and MultiLife sales team Full suite of marketing materials Fully supported portals MetLife Solutions Resource line can help with virtually all requests Reduced app processing time Electronic application process through Paperclip now available For Producer Use Only – Not For Use With the General Public

MetLife is Committed to the IDI Market What All Our Changes Mean to You We have… Breadth of Products For individuals, Businesses Owners, Associations and Employee Groups Valuable Sales Support Product Experts, Sales Ideas and Marketing Tools Responsive Underwriting & Service Responsible and Competitive We are committed to bringing all the resources at our disposal to earn your trust and your business. Are You Ready? We are. We’ve been working for you! For Producer Use Only – Not For Use With the General Public

MetLife Income Guard The Details For Producer Use Only – Not For Use With the General Public

Quick Overview Unbundled product 7 New Riders Enhanced Residual Riders You talked and we took action Your Occ & “Specialty Your Occ” Stackable discounts and premium reductions* Rates re-sloped towards younger ages More competitive premiums * Conditions Apply For Producer Use Only – Not For Use With the General Public

Optional Riders Allow Maximum Flexibility Unbundled Product Means Clients Choose What’s Important to Them Automatic Increase Benefit (AIB) Capital Sum Benefit Catastrophic (CAT) COBRA Premium Reimbursement Cost of Living Adjustment (COLA) 0-10% CPI-U Cost of Living Adjustment (COLA) 3% Simple Cost of Living Adjustment (COLA) 3% Compound Guaranteed Insurability (GI) Life Event Increase Benefit Lifetime Partial Disability Presumptive Total Disability Refund of Premium (ROP) Basic Residual Residual with Recovery Enhanced Residual with Recovery Social Insurance Offset (SIO) Social Insurance Substitute (SIS) – NY & NJ Spousal Catastrophic Term Premium Conversion (TPC) Transitional Your Occupation (TYO) Your Occupation New Optional Riders Updated Optional Riders All riders subject to eligibility rules and state availability. New riders only available with MetLife Income Guard.

Take a Look at the New Optional Riders
COLA 3% Compound If disabled for more than one year, monthly benefits increase 3% compounded annually. Issue Ages: 18-69 Life Event The insured has a one-time option to increase coverage without medical underwriting upon the occurrence of certain events, including receiving a promotion, getting married or having children. Issue Ages: 18-45 COBRA Premium Reimbursement Capital Sum The insured can be reimbursed for COBRA premiums paid if they lose their job while disabled. No cost rider that pays a one-time lump sum benefit if the insured suffers a capital loss due to injury. Issue Ages: 18-59 Issue Ages: 18-59 Riders may be subject to eligibility rules and state availability. New riders only available with MetLife Income Guard.

New Optional Riders Continued
Partial Disability Issue Ages: 18-69 50% of monthly benefit for total disability is payable for up to 6 months. Residual with Recovery Issue Ages: 18-69 15% minimum loss of income requirement A minimum of 50% of the monthly total disability is payable for the first 12 months of residual disability Recovery benefit is payable for maximum benefit period Enhanced Residual with Recovery Everything included in Residual w/Recovery, PLUS Removes the traditional time or duties clause from the definition of residually disabled Riders may be subject to eligibility rules and state availability. New riders only available with MetLife Income Guard.

Residual Disability Riders What’s Different or New
The new Residual with Recovery and Enhanced Residual with Recovery riders replace the Residual with 24 & 36 month recovery riders sold currently, and the Basic Residual Rider includes enhancements. Basic Residual - IMPROVED Residual with Recovery - NEW Enhanced Residual with Recovery - NEW Residual without recovery benefits 15% minimum loss of income required A minimum of 50% of the monthly benefit for total disability is payable for the first 6 months that residual benefits are payable 15% minimum loss of income requirement A minimum of 50% of the monthly benefit for total disability is payable for the first 12 months that residual benefits are payable Recovery benefit is payable for up to the maximum benefit period Modifies the time or duties requirement within the definition of residual

What’s so Special About Specialty Your Occupation?
Same Regular Occupation definition with the addition of: We will consider the material and substantial duties performed including those of a professionally recognized specialty in medicine or dentistry immediately prior to you becoming disabled as the material/substantial duties of your regular occupation. Regular Occupation Regular Occupation means your usual occupation (or occupations if more than one) in which you are gainfully employed at the time you become disabled. If you are not gainfully employed at time of disability, for policies with both regular occ and Specialty Your Occ language, regular occupation means any occupation for which you are reasonably fitted by your education, training or experience. VS. Specialty Your Occupation Exclusive to Medical Occ Classes 6M, 5M, 5D, 5I, 4M Built into policy- similar premium to Your Occupation rider from Advantage Max Benefit Periods To Age 65, 67, or 70 Customize with Optional Riders MDSUD rider required for 5D and 4M, also includes a 10% premium reduction TYO Never available w/Specialty. If a 4M or 5D doctor wants full Mental/Nervous coverage, they can choose the standard Regular Occupation language instead of Specialty Your Occ language. TYO can be added to policies with standard Regular Occupation language for the added protection. Since Specialty Your Occ language is only available with max benefit periods of To Age 65 and greater, any policy with a shorter max benefit period will get standard Regular Occ MDSUD rider and associated premium reduction is available to other medical occ classes in mixed MultiLife case design on a case level basis if the small business has a mix of 5D/4Ms and 6M, 5M, or 5I occ classes and a policy with Specialty Your Occ language is desired. Since this is on a case level basis, either every 6M, 5M and 5I in the group receives the MDSUD limitation rider and accompanying premium reduction, or none of the 6M, 5M or 5I’s receive it. MDSUD not available for individual selection. For Producer Use Only – Not For Use With the General Public

What’s so Special About Specialty Your Occupation
What’s so Special About Specialty Your Occupation? Why Medical and Dental Professionals Need Specialty Your Occupation Ed, a 43 year-old neurosurgeon, must choose between a policy with or without specialty your occupation language What if Ed suffers a disabling injury and… Recovers but is no longer able to perform surgery, so he decides to start a medical consulting company. Ed’s DI policy does not include Specialty Your Occ Ed’s DI policy does include Specialty Your Occ Receives no disability benefits since he is working in another occupation Receives his full disability benefits even though he is working in another occupation, since he cannot perform the duties of his specialty For Producer Use Only – Not For Use With the General Public

Discounts/Premium Reductions Stack Together for Greater Savings
Not all discounts/premium reductions are available to everyone, but if clients qualify, they can receive an approximate 30% discount/premium reduction on the same policy.1 Types of Discounts / Premium Reduction “Stackable” Mental Disorder/Substance Use Disorder (MDSUD) Limitation Rider 2 10% premium reduction1 received for the MDSUD 24-month limitation Required for 4M and 5D with Specialty Your Occ Restrictions apply for MultiLife cases with Specialty Your Occ and mix of required medical occ classes (4M, 5D, 5I, 5M, 6M) MultiLife + MDSUD MDSUD+ Association Association + Multi-Policy MultiLife Program Discount3 Employee Paid- 15% off unisex rates Employer Paid- 20% off unisex rates Now for Physicians! Not “Stackable” Association Discount4 AMA Approved Physicians - 10% or 5% (depending on state) Non AMA Approved Physician Associations - 5% All other approved associations - 10% Association + MultiLife Multi-Policy + MultiLife Multi-Policy Discount 5% premium discount for recent life buyers who purchase a DI policy within 12 months 1 Approximate 30% discount/premium reduction available with ER paid MultiLife (20% discount off unisex rates) with MDSUD Limitation Rider (10% premium reduction) where policy does not include CAT, Spousal CAT or COBRA Premium Reimbursement riders. 10% premium reduction does not apply to the policy fee nor to the premium for the CAT, Spousal CAT and COBRA Premium Reimbursement riders, if selected. 2 Not for individual selection 3 Physicians may qualify for the 15% or 20% Multi-Life discounts; except if applying for Lifetime. MultiLife discounts are not available with the Lifetime Rider 4 Dentists & Dental Specialists are not eligible for the Association or MultiLife discounts but may qualify for a 5% List Bill discount

The Details Issue Ages: 18-70 Renewability: Noncancelable & Guaranteed Renewable To Age 67 or 5 years if later Max Benefit Periods: 2 years, 5 years, 10 years, To Age 65, To Age 67 and To Age 70 Elimination Periods: 90, 180, 365, and 730 Days Occ Classes: Medical - 6M, 5M, 5D, 5I, 4M Non-Medical - 6S, 5A, 4A, 3A, 2A, A, B Target Markets Individual Medical/Dental - Classes 4M to 6M Individual Professional and Executive Market- Class 6S/5A/4A For Producer Use Only – Not For Use With the General Public

MetLife Income Guard vs. Omni Advantage
Markets: Association Individual Fully underwritten MultiLife State Availability Not available in all states. Please refer to the MetLife Income Guard state availability map. Not Available in CA Premiums Sex distinct Unisex (MultiLife only) Issue Ages Occupation Classes: 6S, 5A, 4A, 3A, 2A, A, B 6M, 5M, 5D, 5I, 4M 6S, 5A, 4A, 3A, 2A, 6M, 5S, 5D, 5I, 4M Elimination Periods 90, 180, 365 and 730 days 60, 90, 180, 365 and 730 days Maximum Benefit Periods: Years: 2, 5, and 10 To Age 65, 67 and 70 Years: 2 and 5 to Age 65, 67 and 70 New New New Riders may be subject to eligibility rules and state availability. New riders only available with MetLife Income Guard. 15 For Producer Use Only – Not For Use With the General Public

Renewability Noncancelable and Guaranteed Renewable to age 67 or 5 policy years if later Conditionally Renewable for life Noncancelable and Guaranteed Renewable to age 65/67 Built-in Definition of Total Disability Regular Occ, not gainfully employed Specialty Your Occupation (Physicians and Dentists only)1 Regular Occupation, not gainfully employed Mental /Nervous Coverage Full coverage for the maximum benefit period for most occupations MDSUD Rider that limits coverage 24 month maximum benefit period over the life of the policy unless confined to a hospital. Includes a 10% premium reduction when applied to the policy2 Will be required for 4M & 5D with Specialty Own Occ MDSUD limitation rider optional to 6M, 5M and 5I in MultiLife cases on a case level basis if 4M or 5D also applying. If the MDSUD limitation rider is selected, everyone will have the limitation - cannot individually select to not have it. Physicians can choose the regular def. of disability, rather than specialty, and select the TYO. Will have mental/nervous coverage for entire benefit period. Full coverage for the maximum benefit period New New New 1 For medical and dental specialists, specialty your occupation, while not a term specifically used in the definition of total disability, is encompassed in the definition of regular occupation, which in turn, is part of the definition of total disability. Requires one of three residual riders and a to age 65 or greater max benefit period 2 The 10% premium reduction does not apply to all components of the premium. It does not apply to the policy fee, nor to the premium for the Catastrophic, Spousal Catastrophic and COBRA Premium Reimbursement Riders, if selected. 16

Coverage While outside the US 24 month max benefit period for all periods of disability combined during the insured’s lifetime while outside the US, its possessions and Canada. Full coverage Survivor Benefit 6 months 3 months Suspension Due to Unemployment 12 months New New New Riders may be subject to eligibility rules and state availability. New riders only available with MetLife Income Guard. 17 For Producer Use Only – Not For Use With the General Public

Available Riders Automatic Increase Benefit Capital Sum Benefit1 - New Catastrophic Disability1 COBRA Premium Reimbursement - New COLA 3% Simple1 COLA 3% Compound1 - New CPI COLA 0 – 10%1 Guaranteed Insurability Life Event Rider - New Lifetime Disability Partial Disability1 - New Presumptive Disability1 Refund of Premium Basic Residual1- Enhanced Residual w/Recovery1- New Enhanced Residual w/Recovery1- New Social Insurance Offset/Substitute1 Spousal Catastrophic Term Premium Conversion Transitional Your Occupation1 Your Occupation1 Catastrophic COLA 3% Simple CPI COLA 1- 7%2 CPI COLA 0 – 10% Presumptive Disability Basic Residual Residual w/24 month Recovery Residual w/36 month Recovery Social Insurance Offset/Substitute Transitional Your Occupation Your Occupation 1 Riders that are conditionally renewable after Age 67 2 Available in states where the CPI COLA 0-10% rider is not available Riders may be subject to eligibility rules and state availability. New riders only available with MetLife Income Guard. 18

Industry Premium Comparison 6S Attorneys
Age MetLife Income Guard Guardian Class 6 Principal Class 5A* Standard Class 5A Ameritas Class 6A 27-Male $873 $1,028 $1,338 $1,247 $1,003 37-Male $1,541 $1,585 $1,899 $1,654 $1,587 47-Male $2,528 $2,486 $3,059 $2,476 $2,525 27-Female $1,343 $1,593 $1,971 $2,072 $1,805 37-Female $2,238 $2,349 $2,769 $2,362 $2,690 47-Female $3,257 $3,313 $3,870 $3,306 $3,522 MetLife Income Guard rates are: Less or within 5% 5 – 10% higher More than 10% higher Assumptions: 90 Day Elimination Period, To Age 67 Max. Benefit Period, $5,000 mo. benefit Your Occupation Definition of Disability, Enhanced Residual with Recovery *Principal Nationwide rates. Includes 10% select occupation discount. The Principal rates set forth in this comparison are available in the majority of states. In a limited number of states, Principal offers lower rates than those set forth in this comparison. 19 For Producer Use Only – Not For Use With the General Public

Industry Premium Comparison 6S Executive
Age MetLife Income Guard Guardian Principal Standard Ameritas Basic w/Recovery Class 6 Class 5A* Class 5A 27 - Male $757 $794 $1,008 $1,169 $1,247 $954 37 - Male $1,333 $1,400 $1,553 $1,695 $1,654 $1,475 47 - Male $2,192 $2,304 $2,437 $2,794 $2,476 $2,226 27 - Female $1,179 $1,238 $1,562 $1,715 $2,072 37 - Female $1,936 $2,063 $2,302 $2,456 $2,362 $2,498 47 - Female $2,862 $3,010 $3,247 $3,517 $3,306 $3,101 MetLife Income Guard rates are: Less or within 5% 5 – 10% higher More than 10% higher Assumptions: 90 Day Elimination Period, To Age 67 Max. Benefit Period, $5,000/mo. benefit, Regular Occupation, not gainfully employed definition of disability. MetLife Income Guard: Basic Residual and Residual w/Recovery Competitors: Residual with Recovery *Principal: Includes 10% select occupation discount, Nationwide rates The Principal rates set forth in this comparison are available in the majority of states. In a limited number of states, Principal offers lower rates than those set forth in this comparison. 20 For Producer Use Only – Not For Use With the General Public

Industry Premium Comparison 5A Executive
Age MetLife Income Guard Guardian Principal Standard Ameritas Basic w/Recovery Class 5 Class 5A Class 4A 27 - Male $1,028 $1,079 $1,249 $1,299 $1,436 $1,109 37 - Male $1,834 $1,927 $1,929 $1,884 $1,895 $1,718 47 - Male $3,047 $3,204 $3,033 $3,104 $3,083 $2,597 27 - Female $1,619 $1,701 $1,939 $1,906 $2,582 $1,999 37 - Female $2,723 $2,863 $2,862 $2,729 $3,289 $2,916 47 - Female $4,003 $4,210 $4,045 $3,908 $4,375 $3,621 MetLife Income Guard rates are: Less or within 5% 5 – 10% higher More than 10% higher Assumptions: 90 Day Elimination Period, To Age 67 Max. Benefit Period, $5,000/mo. benefit, Regular Occupation, not gainfully employed definition of disability. MetLife Income Guard: Basic Residual and Residual w/Recovery Competitors: Residual w/Recovery *Principal shown with Nationwide rates. The Principal rates set forth in this comparison are available in the majority of states. In a limited number of states, Principal offers lower rates than those set forth in this comparison. 21 For Producer Use Only – Not For Use With the General Public

Industry Premium Comparison 6M Physicians
Age MetLife Income Guard Guardian Class 5M Principal Class 5A-M Standard Class 4P Ameritas Class 6M 27 - Male $918 $1,300 $1,338 $1,438 $1,242 37 - Male $1,619 $2,009 $1,899 $2,264 47 - Male $2,647 $3,159 $3,059 $3,898 $3,257 27 - Female $1,394 $2,019 $1,971 $2,328 $2,252 37 - Female $2,322 $2,980 $2,769 $3,393 $3,321 47 - Female $3,370 $4,212 $3,870 $5,097 $4,385 Age Income Guard Guardian Principal Standard Ameritas MetLife Income Guard rates are: Less or within 5% 5 – 10% Greater than 10% Assumptions: 90 Day EP, To Age 67 Max. Benefit Period, $5,000/mo. benefit, Residual w/Recovery MetLife Income Guard Includes: Specialty Your Occupation language, Enhanced Residual with Recovery Principal includes: 24 months MDSUD limitation with 10% premium reduction, Nationwide rates. Ameritas includes 24 month MDSUD limitation 6M Physicians include: Pediatrician, Oncologist, Neurologist, Physiatrist (AAPM & R board certified) The Principal rates set forth in this comparison are available in the majority of states. In a limited number of states, Principal offers lower rates than those set forth in this comparison. 22 For Producer Use Only – Not For Use With the General Public

Industry Premium Comparison 4M Physicians
Age MetLife Income Guard Guardian Class 3M Principal Class 4A-M Standard Class 3P Ameritas Class 5M 27 - Male $1,405 $1,787 $1,568 $1,766 $1,637 37 - Male $2,508 $2769 $2,225 $2,735 $2,654 47 - Male $4,122 $4,363 $3,583 $4,701 $4,312 27 - Female $2,097 $2,783 $2,310 $2,816 $2,977 37 - Female $3,529 $4,116 $3,246 $4,249 $4,398 47 - Female $5,147 $5,823 $4,534 $5,861 $5,811 MetLife Income Guard rates are: Less or within 5% 5 – 10% higher More than 10% higher Assumptions: 90 day Elimination Period , To Age 67 Max Benefit Period, $5,000 mo./benefit, “True Own Occ” Definition of Disability, Residual with Recovery, 24 month MDSUD limitation MetLife Income Guard Includes: Specialty Your Occ, Enhanced Residual with Recovery Standard includes MDSUD coverage until the end of the maximum benefit period The Principal rates set forth in this comparison are available in the majority of states. In a limited number of states, Principal offers lower rates than those set forth in this comparison. 23 For Producer Use Only – Not For Use With the General Public

Transition Rules Available for Sale May 6, 2013 in Selected States
Availability • As of May 6, 2013, MetLife Income Guard’s base policy and up to 20 riders are available in the majority of states.* • In states where it is approved, for new business, MetLife Income Guard will replace Omni Advantage and Omni Select (fully underwritten MultiLife). • MetLife Income Guard is available on a fully underwritten basis with sex distinct rates for individuals or with unisex rates for an approved fully underwritten MultiLife group. • It is not available on a guaranteed standard issue (GSI) basis. MetLife’s Omni Select and Omni Essential will continue to support the GSI market. • Omni Essential will continue to be available for fully underwritten individual and MultiLife sales, as will Salary Saver in California. • Simplified underwriting is available according to the simplified underwriting guidelines. New Application The application for MetLife Income Guard is a new MetLife form. Applications are available in MetLife eForms (IDIAPP-12-01). State variations apply. Applications are to be submitted through normal channels and processes. Sun setting Omni Advantage and Omni Select (fully underwritten MultiLife) For states in which MetLife Income Guard is approved on May 6, 2013, the last day an Omni Advantage or an Omni Select (fully underwritten MultiLife) application will be accepted is July 31, (Applications must have been received in good order by July 31, 2013.) Exchanging MetLife Omni Advantage or Omni Select for MetLife Income Guard Recently issued and pending Omni Advantage and Omni Select policies can be exchanged for a MetLife Income Guard policy. Restrictions do apply, so please ask for a copy of the transition rules for details. * Riders may be subject to eligibility rules and state availability. For Producer Use Only – Not For Use With the General Public

Approvals as of 4/24/13 37 States Plus DC
WA MT ND MN ME SD WI ID OR VT NH WY MI NY MA NE IA CT RI OH PA NV IL IN UT CO NJ CA MO DE KS WV DC KY VA MD NM OK TN NC AZ AR SC MS AL TX GA LA Approved AK FL HI

Presidents ConfApr1 2009_v3 4/15/2017 Target Markets Sales Ideas For Producer Use Only – Not For Use With the General Public

Executives Building a Plan for Executives New Features Make us Even More Competitive Client: Andrew, 38 year old corporate attorney Annual income of $180,000, or $15,000 per month Concern: Has group coverage Does not cover bonus and has a monthly cap of $5,000 per month Wants to protect the most income he can as he has a young family For Producer Use Only – Not For Use With the General Public

New to MetLife Income Guard!
Executives Building a Plan for Executives New Features Make us Even More Competitive Solution: A supplemental policy. Here are some riders that may interest Andrew: Enhanced Residual COLA 3% Compound Transitional Your Occupation Guaranteed Insurability Benefit New to MetLife Income Guard! Monthly Total Disability Benefit (after taxes)* Andrew’s Premium Current Group LTD $3,750 ($5,000 – 25% tax rate) $0 (Employer Paid) Supplemental Policy $6,250 (max. issue amount based on income and inforce coverage) $2,416 Total $10,000 or 66% of income Benefits: Andrew will have a full featured policy that when combined with his LTD coverage protects a greater portion of his income. If his income increases, he can increase his supplemental DI benefit without medical underwriting. If he becomes disabled and returns to work, but not full-time, or in another job, he may be eligible for additional benefits. Male, age 38, NS, 6S, $150,000 annual income, Enhanced Residual, COLA 3% Compound, Transitional Your Occupation and Guaranteed Insurability Benefit. 90 day Elimination Period and To Age 67 Maximum Benefit Period. * Assumes group LTD is employer paid; covers 60% of salary to a maximum of $5,000 per month; and tax rate is 25%.

Medical/Dental Professionals “Stackable” Discounts/Premium Reductions Combining Coverage for Even Greater Savings Client: Catherine, a 42 year old OB-GYN One of four partners in a new, small practice Annual income of $150,000 Concern: No longer has income protection since starting her firm Needs income protection since her household relies on her income For Producer Use Only – Not For Use With the General Public

Medical/Dental Professionals
“Stackable” Discounts/Premium Reductions Combining Coverage for Even Greater Savings Solution: The MultiLife Discount Program1 and the MDSUD Limitation Rider Premium Reduction. Some assumptions: At least 2 other partners apply at the same time The practice will pay the premium Since Catherine and her partners are 4M’s, her coverage for disabilities due to mental disorders/substance use disorders will be limited to 24 months total, unless hospitalized If Applied For On Her Own2 If Applied for With the Other Partners From her Office3 Monthly Benefit $7,150 Unisex premium $6,627 Total Annual Premium $8,112 10% MDSUD Premium Reduction4 20% MultiLife Discount (off unisex rates) ($657) ($1,194) $4,776 Benefits: Catherine obtained the income protection she needed and saved $3,336 on her premium with unisex rates and “stacking” discounts/premium reductions. 1Physicians may qualify for the 15% or 20% off unisex rates Multi-Life discounts; except if applying for Lifetime. MultiLife discounts are not available with the Lifetime Rider. 2 Female, age 42, NS, 4M, $150,000 annual income, Specialty Your Occupation, Enhanced Residual and 3% Compound COLA, 90 day Elimination Period and To Age 65 Benefit Period. 3 Female, age 42, NS, 4M, $150,000 annual income, Specialty Your Occupation, Enhanced Residual and 3% Compound COLA, 90 day Elimination Period and To Age 65 Benefit Period, Unisex rates with a 20% discount and a 24 month MDSUD limitation premium reduction of 10% 4 MDSUD premium reduction is based on total premium prior to the policy fee.

Building a Plan for Medical/Dental Professionals
Client: Joseph, a 37 year old Pediatrician Recently took-over a successful small practice Annual income of $216,000 Concern: Without income protection- lapsed the DI policy he had when he was a resident Married with 2 children and is concerned about losing his income since he’s the primary earner For Producer Use Only – Not For Use With the General Public

Building a Plan for Medical/Dental Professionals
Solution: A stand-alone MetLife Income Guard DI policy with a $9,900 monthly benefit Specialty Your Occupation Enhanced Residual COLA 3% Compound New to MetLife Income Guard! Premium1 Base Policy $2,321 Specialty Your Occ Included- No Charge Enhanced Residual $510 COLA 3% Compound $861 Policy Fee $60 Total Premium $3,752 Benefits: Joseph’s DI policy will pay a benefit regardless if he’s working in another occupation as long as he cannot perform the duties of his medical specialty that he was performing immediately prior to disability. 1 Male, age 37, NS, 6M, $216,000 annual income, Specialty Your Occupation, Enhanced Residual and COLA 3% Compound, 90 day Elimination Period, To Age 65 Max Benefit Period. For Producer Use Only – Not For Use With the General Public

Blue & Grey Collar Markets
Both MetLife Income Guard and OMNI Essential offer benefits for this market MetLife Income Guard OMNI Essential Noncancelable and Guaranteed renewable coverage Higher Issue Ages Capital Sum Rider Partial Disability Benefit Rider Life Event Rider Multiple Residual Riders COBRA Premium Reimbursement Rider Automatic Increase Benefit Term Premium Conversion Rider Lower cost alternative Guaranteed renewable coverage Automatic Increase Benefit Basic Residual Rider Term Premium Conversion Rider Essential- Basic residual and AIB available down to 2A MIG- life event, AIB, residual riders are down to 2A MetLife Income Guard may be a better fit if these options are important For Producer Use Only – Not For Use With the General Public

Shortened New Application
Shorter- reduced overall pages by 18% The actual client facing application, or the questions that a client needs to complete, are now down to a maximum of 13 pages Reworded and reordered questions- Improves flow when working with a client Shortened number of pages a client needs to see Reduced number of questions and revised spacing- adds to overall length reduction Available for all IDI products where MetLife Income Guard is approved. For Producer Use Only – Not For Use With the General Public

The New Application and OMNI Essential Important Differences
The Proposed Coverage section in the new application contains MetLife Income Guard’s new options that are not available to Omni Essential If you do not see an Essential specific rider you have illustrated, place a checkmark in the ‘other’ box and list the rider on the blank line Omni Essential will still be available for sale and can easily be selected on the new application. There are a few differences from what you have seen in the past: Since our flagship product is MetLife Income Guard, the proposed coverage section in the application has been expanded to easily select all of the new options. These options are not available to Essential. Many popular riders continue to be offered for Essential. Examples include COLA, CAT, Spousal CAT and Refund of Premium to name a few. Rule of thumb: if you can illustrate it and if you cannot see it on the application, you can select the “Other” checkbox and write it in. 35

Illustrating MetLife Income Guard Only Available in MetLife SolutionsSM MetLife Solutions Clean, easy-to-use web-based system. Collaborative tools – once you set up and save your case, team member(s) can open it without recreating. An available real-time summary value sections which update as you make changes to benefits, premiums, rider selection, etc. Customizable user preferences, including: personal photo, product selections, state preference and the ability to remove Snoopy from the illustration. For Producer Use Only – Not For Use With the General Public

Marketing Materials Producer Materials Consumer Materials Product Guide Products at a Glance eCard Approval Grid Updated Hot Spots/Case Study MetLife Income Guard/Advantage Comparison Multiple Competitive Pieces Product Brochure Sales idea flyers Letter/ Updated Core Stories Updated MultiLife Pieces For Producer Use Only – Not For Use With the General Public

We’ve been working for you!
Key Take-aways Seven new riders Specialty Your Occupation language for medical/dental professionals “Stackable” discounts/premium reductions* Enhancements to Residual riders Rates re-sloped towards younger ages (25-50) New shorter application New suite of supporting marketing materials We’ve been working for you! * Conditions Apply For Producer Use Only – Not For Use With the General Public

Leading Edge Disability Center 888-677-6575 info@DisabilityCenter.com
DisabilityCenter.com DiCenter.com Metropolitan Life Insurance Company New York, NY 10166 metlife.com © 2013 METLIFE, INC. PEANUTS 2013 © Peanuts Worldwide BDDI23242 L [0414][All States][DC,PR] Disability income insurance is issued by Metropolitan Life Insurance Company, New York, NY All policies, riders and provisions may not be available in all states, at all issue ages and to all occupational classes. April 2013. For Producer Use Only – Not For Use With the General Public

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