1. MetLife Individual Disability Income Insurance Lori Boggs National Account Sales Manager
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2. MetLife DI Sales Organization
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3. DI Sales Organizational Chart

4. DI Sales Territory Map Regional Sales Directors
Central/Northwest – Paul Berkey
Northeast – Kevin Sweeney
West/Southwest – Chris Ginocchio
South/Southwest – Mark Hamlett
WASHINGTON
MONTANA
N.DAKOTA
MINN ME
WISC
OREGON
S.DAKOTA VT
IDAHO NH
WYOMING
MICH
IOWA NY MA
NEBRASKA CT
RI. IL
PENN
IND
OHIO NJ
NEVADA
UTAH MD
COLORADO
KANSAS
W.VA
DE.
MISSOURI
CALIFORNIA
DC.
KENTUCKY
VIRGINIA
OKLAHOMA
N.C.
ARIZONA
TENN
ARK
N.MEXICO
S.C.
MISS
ALA
TEXAS LA GA
FLA

5. DI Operations
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6. DI Operations - Tampa

7. Sales Support
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8. Support DI Sales Representatives Local Product Training Sales Ideas
MetWINS Illustration training
Broker/Agent Meetings
DI Sales Specialists
Prescreen Clients
Case design/Illustrations
Applications
State Required Forms
Product Questions
Broker/Agent Contracting and Appointments
Underwriting Status/Requirements
Met DI Sales Desk (Resource Line)
22 Sales Advisors (Licensed)
Available 8am-7pm ET
Phone:
Pre-Screen Clients
Illustrations
Product questions
Applications
State Required Forms
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9. Process First Point of Contact for Sales Support- Agency Office
All applications must be submitted through the GA’s office to the local MetLife Sales office. This will ensure the proper identifying forms are attached.
All applications require a transmittal form (identifies the case as AIMCOR)
All policies will be mailed to the GA’s office from your Met Sales office. GA’s office will be responsible for forwarding to Agent/Broker
DI Sales Specialist and Rep
Your main point of contact at MetLife
Will receive all new applications and ensure they are in good order
SS can also provide assistance with Appointments, Product questions, Competition questions, Commissions questions
Applications can also be found at:

10. Competitive Overview
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11. Competitive Advantage
Three levels of support- DI Sales Reps, Specialists, Resource Line
Product offering without 2yr MNAD limitation
Recently enhanced replacement ratios
Your Occ Rider (Pure Own Occupation)
Transitional Your Occupation Rider
Lifetime Benefits
Spousal Rider- Non working spouse
TPC Rider
BOE Limits up to $50,000/mo
Buy Sell up to $2.5 Million
Direct Access to Underwriters and Underwriting Assistants
Underwriting cycle- 26 days

12. MetLife’s Individual DI Product Portfolio

13. Individual Market
MetLife offers three products in the Individual market
The lifetime maximum benefit period for mental disorders and/or substance use disorders is limited to 24 months for all periods of disability combined. If the Insured is disabled for mental disorder and /or a substance use disorder and is confined to a hospital, that period is not
Omni Advantage
Flagship Product
Noncancelable to age 65
Omni Essential
Guaranteed Renewable to age 65
2-Year MNAD Limitation
Salary Saver
California Product
Noncancelable to age 65
2-Year MNAD Limitation
**** Mental, Nervous and Substance Abuse Disorders are limited to a 24 month benefit period. If institutionalized or hospitalized, limitation will not apply to that period.
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14. MultiLife Market MetLife offers three products in the Multilife market
Omni Select
Flagship Product
Noncancelable to age 65
Omni Essential
Guaranteed Renewable to age 65
2-Year MNAD Limitation
Salary Saver
California Product
Noncancelable to age 65
2-Year MNAD Limitation

15. Optional Riders Guaranteed Insurability Lifetime Yr Occupation
Transitional Your Occupation
TPC
Residual Disability
Catastrophic Disability
COLA 1-7% and COLA 3%
Automatic Increase Benefit
Social Insurance Offset Benefit
Spousal Rider
Guaranteed Insurability - An option to increase the benefit amount every year until the Insured reaches age 51, based on financial underwriting ONLY
Lifetime - The Lifetime rider provides the Insured with a Total Disability benefit for the rest of the their life, during their continuous Total Disability, if the Insured becomes Totally Disabled before Age 65 and is still Totally Disabled at the first premium due date on or after the their 65th birthday
Residual Disability - The Residual Rider provides partial benefits, under certain conditions, if the insured’s disability caused a 20% or more loss of earnings.
Long-Term Care GPO - The LTC-GPO “locks in” the policyholder’s insurability, giving them the option to purchase an LTC policy at a future date without additional proof of medical insurability
Catastrophic Disability - The Catastrophic Disability Rider will pay the Insured an additional amount of benefit (in addition to the base benefit) when the Insured is considered catastrophically disabled
Catastrophic Disability means that due to injury or sickness, the Insured has a complete, irrecoverable and irreparable loss of:
The use of both hands or both feet, or one hand and one foot or
The sight in both eyes or
Speech or
Hearing in both ears or
6. Cost of Living Adjustment (COLA) - has a Built-in Buy-Up feature which allows the Insured to purchase any additional benefits accumulated through the rider after returning to work full-time following a claim which lasted at least one year
The Insured must be under age 60 to be eligible to purchase the additional benefit and will pay an additional premium at the Insured’s then attained age for the increased amount of coverage
7. Automatic Increase Benefit – On each of the first five policy anniversaries, this option will automatically increase the insured’s base benefit by 5%. There is no cost to include the AIB to the policy. The additional cost will be associated at the time the increase takes effect.
8. Social Insurance Offset Benefit – This option will pay an additional benefit (after the EP) in the event the insured is not receiving any legislative benefit.
Eligibility for Optional Riders varies by occupational class. The more favorable the occupational class, the more optional benefits that are available.
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16. Don’t forget, a fully completed app is key!
Simplified Underwriting Program
What if there were a way to get an underwriting decision within 48 hours?
With a fully completed application and PHI, the 48 hour turn around may be possible
MetLife is committed to…
making the process as simple as possible
getting your cases placed and paid faster
Don’t forget, a fully completed app is key!
*Not available in CA

17. Simplified Underwriting Program Details
Available to occupational class 2A and above 
Products available
Single life - Omni Advantage, Essential or Priority Plus
MultiLife (non GSI) cases - Omni Select or Essential
Business Overhead Expense (BOE) - Expense Plus
Issue limits
Up to $3,000 per month* ($7,500 for BOE)
To age 50 (including age 50)
90 Day Elimination Period or longer
2 year, 5 year or to age 65 Benefit Period
All riders available except GIO, AIB and 1-7% Compound COLA
*Subject to usual I & P Limits.

18. Small Business Owner Market
MetLife offers two products in the Business Owner market
Buy Sell
Conditionally Renewable to age 65
Reimbursement Policy
Up to 2.5 million
Business Overhead
Noncancelable to age 65
Reimbursement Policy
Not available in CA
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19. Target Market

20. Target Market White Collar Professionals Business Owners
Earning over $75,000
Accountants/CPAs, Actuaries, Small Business Owners, Architects, Attorneys, Executives, Underwriters, Computer/ IT Professionals, Dentists, Pharmacists, Office Managers, Veterinarians, Physicians, Optometrists, Professors and Project Managers
Business Owners
Physicians and Dentists

21. Target Market Class B Class 6S New Car Dealer, Construction Owner
Mechanic, Welder
Bank Officer, School Principal
Dermatologist, Oncologist
Dental Assistant, Office Clerks
Most Risk
Less Risk
Occupational Classes are assigned based on: (a) the requirements of an applicant’s job; and (b) the risks which that job poses to the applicant’s health. Occupational classes are also based on industry claims experience. As the risk of the applicant’s profession grows the premium will increase as well.
Barbers, Machinists, Electricians, Plumbers
Insurance Appraiser, Dietician
Orthodontist, Pediatric Dentist
Architect, CPA, Pharmacist
General Dentist, Surgeons, Gynecologists, Psychiatrists, Emergency Room Physicians
Insurance Underwriter, Small Animal Veterinarian
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22. Questions?

23. Thank You! We look forward to doing business with you!