1. ©UFS L05068U1R(exp0606)(FL)MLIC-LD Disability Income : Helping You Build Financial Freedom

2. 2 What We’re Going to Cover Today Why do your clients need DI? How do you benefit from selling disability insurance? Who makes up the individual DI market? What disability products does MetLife offer? What are the limitations of group LTD plans? How is the MultiLife program beneficial to you and your clients?

3. 3 Why DI? Why Sell Disability Income Insurance?

4. 4 DI Statistics Although many people take their paycheck for granted, statistics show that approximately 1 in 3 workers will lose their ability to work sometime before the age of 65* * A disability lasting 90 days or more before age 65. Source: Commissioners Individual Disability Table A.

5. 5 How Would Your Clients Replace Their Lost Income? Savings One year of disability can wipe out 10 years of savings. 1 Borrow What bank would lend them money if they were disabled and unemployed? Social Security To qualify, your client’s disability must be expected to last at least 12 months or end in death, in addition to other requirements. 2 Other Income Could they maintain their standard of living without placing additional strain on themselves and their family? 1 The Life Underwriter Training Council. “Fundamentals of Financial Services Course.” Volume 6, 1997 edition. 2 You also must be unable to engage in any occupation. Other Financial Means

6. 6 Competitive Advantages The ability to offer a valuable benefit to your client’s protection portfolio Competitive rates and a broad range of availability to most occupations Strong compensation potential Local support and expertise from a MetLife IDI Sales Representative What’s In It For You?

7. 7 MetLife’s Advantages More than 80 years in the DI industry with 130,000 DI policyholders and annual premium exceeding $131 million. 1 Customer service for all DI policyholders and claimants via toll free number, allowing direct access to a policy administrative or claim representative. The MetLife claim system provides prompt and on-time payment of claims including electronic funds transfer of benefit payments into a claimant’s checking or savings account. Strength of MetLife 1 2000 LIMRA International Report

8. 8 Disability Income The Individual Sale

9. 9 DI Eligibility Ages 18 to 59 Earns over $18,000 annually Has a history of good health Works at least 30 hours per week Does not have excessive unearned income or net worth The Individual DI Market

10. 10 What we have to offer... A Sample of DI Products

11. 11 OMNI Advantage Non-cancelable and guaranteed renewable to age 65 Total disability benefit Presumptive disability provision with elimination period waiver No mental/nervous disorder limitation No relation to earnings provision No mandatory rehabilitation OMNI Advantage* Base Contract * Not available in CA, VT or OR

12. 12 OMNI Essential Guaranteed renewable to age 65, or for five policy years if later Total disability benefit Presumptive disability provision with elimination period waiver Mental/nervous disorder limitation No relation to earnings provision No mandatory rehabilitation OMNI Essential* Base Contract * Not available in CA, VT or OR

13. 13 Salary Saver Non-cancelable, guaranteed renewable to age 65 Total disability benefit Presumptive disability provision with elimination period waiver Mental/nervous disorder limitation Benefit flexibility Salary Saver Base Contract* * For California Only

14. 14 OMNI Advantage Residual Disability Rider (2A-6A) Residual With Recovery Benefit (24 or 36) months COLA (2A-6A) With Buy-Up Good Health Benefit (ROP) (2A-6A) Guaranteed Insurability (GI) (2A-6A, 18-45) Your Occupation Rider (5A-6A, 18-45) Transitional Your Occupation (4A-6A, 18-59) Lifetime (4A-6A, 18-45) Social Insurance Offset (SIO) (2A-6A)* OMNI Advantage Optional Riders* * Some Riders are not available for all ages. ** Social Insurance Substitute in NY and NJ.

15. 15 OMNI Essential Residual Disability Rider (2A-6A) Residual With Recovery Benefit (24 or 36 months) COLA (2A-6A) With Buy-Up Good Health Benefit (ROP) (B-6A) Guaranteed Insurability (GI) (2A-6A, 18-45) Lifetime (4A-6A, 18-45) Social Insurance Offset (SIO) (B-6A)** OMNI Essential Optional Riders* * Some Riders are not available for all ages. ** Social Insurance Substitute in NY and NJ.

16. 16 Optional Riders Salary Saver Optional Riders* Residual Disability Rider (2A-6A) COLA with guaranteed increases of 4% (A-6A) of the original monthly benefit * For California Only

17. 17 Expense Plus Non-cancelable, guaranteed renewable Waiver of premium Presumptive disability provision with elimination period waiver Extension of benefits provision Partial disability benefits of 1/2 amount that would otherwise be payable (up to 3 consecutive months) Exchange privilege Expense Plus

18. 18 MultiLife The MultiLife Sale* *MultiLife discounts available in most states

19. 19 Why MultiLife? Daytime selling at the workplace Opportunity for multiple sales Potential for cross selling Few competitors in the marketplace Higher compensation What’s In It For You?

20. 20 MultiLife Occ classes 2A-6A Most White & Gray Collar Industries W-2 employees only OMNI Essential & OMNI Select policies only Level of discount based on case specifics Two MultiLife options... MultiLife Opportunities

21. 21 Voluntary Minimum of 75 eligible lives Minimum 20% participation Unisex rates Discounts of 15%-25% MultiLife Opportunities Employer Paid 20 or more lives Unisex rates Discounts of 20%-35% 1 Not available for medical, hospital, and dental groups. These groups are eligible for 5% List Bill discount. Guarantee Standard Issue MultiLife 1 MultiLife

22. 22 MultiLife 3-24 lives Unisex rates 15% discount -employee paid 20% discount -employer paid 5% discount for occupational classes A & B 10% discount for some physician groups Fully Underwritten MultiLife 1 1 MultiLife discounts not available for hospital and dental groups. These groups are eligible for 5% List Bill discount.

23. 23 OMNI Essential Guaranteed renewable to age 65, or for five policy years if later Total disability benefit Presumptive disability provision with elimination period waiver Mental/nervous disorder limitation** No relation to earnings provision No mandatory rehabilitation OMNI Essential* Base Contract * Not available in CA, VT or OR ** Can be removed by a rider, for MultiLife cases only - if included in the plan design

24. 24 OMNI Select Non-Cancelable and guaranteed renewable to age 65, or for five policy years if later Total disability benefit Presumptive disability provision with elimination period waiver Mental/nervous disorder limitation No relation to earnings provision No mandatory rehabilitation OMNI Select* Base Contract * Not available in CA, VT or OR ** Can be removed by a rider, for MultiLife cases only - if included in the plan design

25. 25 OMNI Essential OMNI Essential Optional Riders* Riders For GSI Cases Only Residual Disability Rider (2A-6A) Residual With Recovery Benefit (24 or 36 months) COLA (2A-6A) With Buy-Up Riders For Fully Underwritten MultiLife Cases Residual Disability Rider (2A-6A) Residual With Recovery Benefit (24 or 36 months) COLA (2A-6A) With Buy-Up Good Health Benefit (ROP) (B-6A) Guaranteed Insurability (GI) (2A-6A,(18-45) Lifetime (4A-6A, 18-45) Social Insurance Offset (SIO) (B-6A)** * Some Riders are not available for all ages. ** Social Insurance Substitute in NY and NJ.

26. 26 OMNI Select OMNI Select Optional Riders* Riders For GSI Cases Only Residual Disability Rider (2A-6A) Residual With Recovery Benefit (24 or 36 months) COLA (2A-6A) With Buy-Up Transitional Your Occupation (4A-6A, 18-59) Riders For Fully Underwritten MultiLife Cases Residual Disability Rider (2A-6A) Residual With Recovery Benefit (24 or 36 months) COLA (2A-6A) With Buy-Up Good Health Benefit (ROP) (2A-6A) Guaranteed Insurability (GI) (2A-6A, 18-45) Your Occupation Rider (5A-6A, 18-45) Transitional Your Occupation (4A-6A, 18-59) Lifetime (4A-6A, 18-45) Social Insurance Offset (SIO) (B-6A)** * Some Riders are not available for all ages. ** Social Insurance Substitute in NY and NJ.

27. 27 Group Versus Individual Group LTD benefits are generally taxable if the employer is paying the premiums. Most Group LTD plans do not cover bonus or incentive compensation. There is often a cap placed on the maximum monthly benefit. Group LTD benefits are usually offset by social security. A Mental/nervous disorder limitation is often included. Limitations of Group Long-term Disability (LTD) Plans Group LTD often results in “discrimination” against key employees - only a small % of income is replaced during a disability.

28. 28 Why DI The 4 R’s of Human Resources: Recruit, Retain, Reward, Retire Strong contract with guaranteed rates to age 65 Protect bonus/variable income Help prevent reverse discrimination against high income employees Discounted premiums and portability Can be offered at no cost or as an added benefit Why Employers Should Consider Making A DI Product Available A DI Policy Available

29. 29 Consider This... Your Client’s Group LTD Plan Design: [60% of base salary; up to $6,000 per month] Key employees face a lower income replacement percentage! A MultiLife Example MultiLife

30. 30 The Solution… [Policy Name] This comprehensive program provides additional coverage for all eligible employees and helps reduce “discrimination” against highly compensated employees. With [Policy Name], the percentage of income replaced for Employees 3 and 4 is considerably higher! A MultiLife Example MultiLife

31. 31 MultiLife MultiLife Case Study End Results: Participation: 60% Premiums: $40,000 Computer Consulting Firm 176 Eligible Lives Group LTD Plan in place: 100% Employer Paid - 60% to a max of $5,000 IDI Plan Design 75% total income replacement less LTD Guarantee Standard Issue: $2,000/month, 90 Day EP, To Age 65, Residual Disability Rider Premium Discount: 15%

32. 32 Contact Your SBC DI Rep Your local SBC DI Rep can provide you with all of your DI solutions such as: Market Segmentation Client Prospecting Illustration Assistance Competition Information How Your SBC DI Rep Can Help