1. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public MetLife Individual Disability Insurance MetLife Income Guard California SM For Producer Use Only – Not For Use With the General Public

2. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Today’s Agenda Sales Ideas 2 1 Individual Income Products MetLife Income Guard California SM Specialty Base Optional Riders

3. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public In short… Most people who rely on their income Who are the Ideal DI Clients? Ages 25-50 Incomes of $80,000 or more Recent Life Insurance clients Medical and Dental professionals Younger white collar executives –Those with current coverage & those without Don’t let current coverage stop you from asking since it’s usually not enough!

4. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Non-Medical Occupations – Best Risk Occ Classes 6S Small Animal Vet Pharmacist Executive ($80k+) Computer Professional Attorney Scientist/Engineer Accountant Architect

5. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public 6S – Attorney/Executive – Including the Your Usual Occupation Rider Industry Premium Comparison AgeMetLife Income Guard California Guardian Class 6 Principal 5A- Select Ameritas Class 6A 35 – Male $1,905$2,177$2,197$2,157 40 - Male $2,517$2,667$2,951$2,704 45 - Male $3,202$3,407$3,693$3,359 35 - Female $2,760$3,284$3,268$3,830 40 - Female $3,490$3,872$4,082$4,297 45 - Female $4,176$4,639$4,790$5,014 Assumptions: 90 Day Elimination Period, To Age 67 Maximum Benefit Period, $5,000 Monthly Benefit Amount, Your Usual Occupation, Partial Plus Extended Rider, GIO Less or within 5% 5 – 10% higher More than 10% higher MetLife Income Guard California rates are: * The information in this comparison is accurate as of September 8, 2015. Policy provisions, rates and underwriting rules may vary. Refer to actual policies, applications, producer guides, premium rate schedules, and other information from the issuing carrier for their actual policy provisions, rates, and underwriting requirements.

6. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public 6S – Small Animal Veterinarian Industry Premium Comparison AgeMetLife Income Guard California Guardian Class 5M Principal Class 5A Ameritas Class 5M 35 – Male $1,905$2,763$2,471$3,015 40 - Male $2,517$3,389$3,320$3,912 45 - Male $3,202$4,332$4,154$4,916 35 - Female $2,760$4,170$3,677$5,237 40 - Female $3,490$4,923$4,592$6,132 45 - Female $4,176$5,901$5,389$6,979 Assumptions: 90 Day Elimination Period, To Age 67 Max. Benefit Period, $5,000 Monthly Benefit Amount Your Usual Occupation, Partial Plus Extended Rider, GIO Less or within 5% 5 – 10% higher More than 10% higher MetLife Income Guard California rates are: * The information in this comparison is accurate as of September 8, 2015. Policy provisions, rates and underwriting rules may vary. Refer to actual policies, applications, producer guides, premium rate schedules, and other information from the issuing carrier for their actual policy provisions, rates, and underwriting requirements.

7. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Medical Occupations – Best Class Occ Classes 6M Pediatricians Internal Medicine Neurologist Rheumatologist General/Family Practice Oncologist Allergist Physiatrist

8. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public 6M – Physician Industry Premium Comparison AgeMetLife Income Guard California Guardian Class 5M Principal Class 5A-M Ameritas Class 6M 35 – Male $2,137$2,763$2,471$2,822 40 - Male $2,816$3,389$3,320$3,659 45 - Male $3,572$4,332$4,154$4,598 35 - Female $3,013$4,170$3,677$4,896 40 - Female $3,804$4,923$4,592$5,734 45 - Female $4,538$5,901$5,389$6,525 Less or within 5% 5 – 10% higher More than 10% higher MetLife Income Guard California rates are: Assumptions: 90 Day EP, To Age 67 Max. Benefit Period, $5,000/mo. benefit, Partial w/Recovery, GIO MetLife Income Guard Includes: Specialty Your Usual Occ language, Extended Partial Plus,GIO 6M Physicians include: Pediatrician, Oncologist, Neurologist, Physiatrist (AAPM & R board certified) * The information in this comparison is accurate as of September 8, 2015. Policy provisions, rates and underwriting rules may vary. Refer to actual policies, applications, producer guides, premium rate schedules, and other information from the issuing carrier for their actual policy provisions, rates, and underwriting requirements.

9. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Not all Medical Occupations are classified the same across competitors For a complete list of Medical Occ Classes, please consult the Reference Manual SpecialtyMetLifeGuardianPrincipalStandard Allergist6M4M5A-M4P Family Practice6M4M5A-M4P Gastroenterologist6M5M5A-M4P General Practice6M4M5A-M4P Gerontologist6M--- Hematologist6M5M5A-M4P Internal medicine6M4M5A-M4P Neonatologist6M5M5A-M4P Neurologist6M4M5A-M4P Nephrologist6M5M5A-M4P Oncologist6M5M5A-M4P Physiatrist (pain management)6M4M5A-M4P Pediatrician6M5M5A-M4P Pulmonologist6M5M5A-M4P Rheumatologist6M5M5A-M4P Medical Occupation Classifications

10. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Income Protection Base Policies Regular Base Specialty Base

11. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Noncancelable Guaranteed Renewable to age 67 or 5 policy years if later Issue Ages 18-70 No Cost riders included – Capital Sum 2, Presumptive, Automatic Increase Benefit 3 Term Premium option (TPC Rider) Medical/Business Professionals Individual Association / AMA / Business Affinity Individually Underwritten MultiLife 1 MetLife Income Guard California SM Contracts Max Benefit Periods = 2, 5, 10 Years to Age 65, 67 or 70 Elimination Periods = 90, 180, and 365 Days Markets 1.MetLife Income Guard California is not available for Guaranteed Standard Issue (GSI) or Excess GSI. Salary Saver will continue to be available in these markets 2.Capital Sum rider pays an additional lump sum benefit for the loss of one hand, one foot, or the entire site in one eye if injured. 3.Automatic Increase Benefit (AIB) rider allows benefits to increase by 5% of the original monthly total disability benefit on each of the first five policy anniversaries. As benefits increase your premium will also increase based on the benefit increase at then insured’s attained age.

12. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Key Definitions *Usual Occupation is not necessarily limited to the specific job you performed prior to disability. Total Disability means that as a result of Injury or Sickness, You are, during the Usual Occupation Period, unable to perform with reasonable continuity the substantial and material acts necessary to pursue your Usual Occupation in the usual or customary way and you choose not to work in any occupation. Regular Base BenefitSpecialty Base Benefit Your Usual Occupation Rider (YUO) Available toAll OCC classes Medical only 6M, 5M, 5I, 5D, 4M Non Medical 6S and 5A Usual Occupation Period Limited:2A, A, B Full: 3A and higher Full Specialty LanguageNAYesNA Usual Occupation* means any employment, business, trade or profession and the substantial and material acts of the occupation that You were regularly performing when Your Disability began.

13. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Partial Rider Options A Partial rider is required with all MetLife Income Guard California Policies Partial Disability Rider Partial Disability Plus Extended Partial Disability Plus Pays a benefit if a partial disability causes the insured to lose 20% or more of their prior earnings Pays 50% monthly benefit paid for six months Not Available with Specialty Base Policies Pays a benefit up to 36 months if a partial disability causes the insured to lose 20% or more of their prior earnings Minimum 50% monthly benefit paid for 6 months Months 7-36 benefit will be a percentage of income loss Available with Specialty Base Pays a benefit up to maximum benefit period, if a partial disability causes the insured to lose 20% or more earnings Includes Recovery for the maximum benefit period Minimum 50% monthly benefit paid for six months. Months 7 + benefit will be a percentage of income loss Recommended with Specialty Base If the insured chooses to return to work in their usual occupation, they will not be considered totally disabled, but may qualify for benefits under one of these Partial riders

14. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public MetLife Income Guard California Optional Rider Categories While clients are healthy and working While clients are disabled

15. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Options to Consider if Your Concern is Riders while Healthy and Working Automatic Increase Benefit (AIB) Guaranteed Insurability Option (GIO) Life Event Issue Ages: 18-45 While healthy, benefits automatically increase annually by 5% for five years Can be renewed for an additional 5 years Issue Ages: 18-45 Allows the purchase of additional benefits without medical underwriting Includes an advanced option benefit Issue Ages: 18-45 The insured has a one-time option to increase coverage without medical underwriting if they receive a promotion, get married or have children

16. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Options to Consider if Your Concern is Riders while Healthy and Working Refund of Premium (ROP) Term Premium Conversion (TPC) Issue Ages: 18-70 MetLife will refund 50% of the premiums ever 5 years, less any claims or experience refunds paid Issue Ages: 18-50 The insured can elect to pay for all or part of the Total Disability benefit (and select optional benefits) with Term Premium Term Premium is premium that changes at the end of the Term Premium period If Term portion is not converted prior to end of Term Period, the premium will automatically adjust each year until age 56

17. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Options to Consider if Your Concern is While Clients are Disabled COBRA Premium Reimbursement Catastrophic (CAT) Social Insurance Substitute (SIS) Issue Ages: 18-59 The insured can be reimbursed for COBRA premiums paid if they lose their job due to total disability. Issue Ages: 18-70 Pays an additional monthly benefit on top of the monthly benefit for total disability if the insured meets the criteria for a catastrophic disability. Issue Ages: 18-59 Pays an additional benefit during a disability. After the 1 st year, this benefit will end if legislated benefits are received Mandatory for occupational classes 2A, A, and B if applying for the maximum available benefit.

18. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Options to Consider if Your Concern is While Clients are Disabled COLA 3% SimpleCOLA 3% CompoundCOLA 0-10% CPI-U Issue Ages: 18-69 If disabled for more than one year, monthly benefits increase by 3% simple interest Issue Ages: 18-69 If disabled for more than one year, monthly benefits increase 3% compounded annually Issue Ages: 18-59 If disabled for more than one year, monthly benefits are adjusted between 0 and 10% annually based on the CPI-U

19. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public MetLife Income Guard California Premium Discount Opportunities Note: Discounts subject to Home Office approval. Discount percentages and stackable options only apply to MetLife Income Guard

20. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Discount TypeDiscountHow to Qualify Association Discount 1 10% 2 Discounts available to individuals who are members of a qualifying association, or affiliated with an approved alumni, fraternal, trade group. Discount varies based on type of association. Business Affinity Discount 1 10% 3 Discounts available to individuals who work at a common worksite if they apply together as a group. The group may include 1099 contractors as well as business owners and W2 employees. Employer Sponsored MultiLife 1 Discount-Voluntary Benefit (Employee Pay) 15% Discount available when the employer makes coverage available to eligible employees on a voluntary basis. The employee pays the premiums. Employer Sponsored MultiLife 1 Discount-Employer Funded (Employer Pay) 20% Discount available when the employer makes coverage available to eligible employees and the premiums are paid by the employer. Multi-Policy Discount5% Discounts available to individuals who purchase a qualifying life insurance policy from MetLife less than 12 months before applying for a disability policy. MIGCA’s Available Discounts 1. Group discounts require 3 or more applications 2. 5% discount available to medical/physician associations. Not available to dental associations 3. 5% discount for dental affinity groups

21. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public How to Qualify for a Discount *5% discounts for dental affinity and medical/physician associations

22. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Maximize potential premium savings with these stackable combinations 15% Association 10%Multi-Policy 5% 15% Business Affinity 10% Multi-Policy 5% 20% Employer Sponsored Voluntary 15% Multi-Policy 5% 25% Employer Funded 20% Multi-Policy 5% Notes: 1.Discounts require Home Office preapproval or validation. 2.5% Multi-Policy discount available to client with an issued qualified MetLife Life insurance policy. Sex Distinct RatesUnisex Rates

23. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Transition Rules August 31 look back – December 31 look ahead Applications in house for Salary Saver can be transferred to a MetLife Income Guard California (MIGCA) policy. A new IDIP12-10-CA application will be needed. We cannot backdate prior to August 31. Look back – Any Salary Saver policy issued August 31 forward can be reissued as a MIGCA policy. A new IDIP12-10-CA application will be needed. Salary Saver will be sunset for individual and MultiLife business as of December 31, 2015. Applications should be in house (in good order) on December 31, 2015

24. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public New Product/New Application As MetLife Income Guard California is a new policy form with a corresponding New Business application (Forms IDIAPP12-01-CA and IDIAPP12-02-CA). Exchanging a pending or recently issued Salary Saver for a MetLife Income Guard California policy will require a fully completed and signed MetLife Income Guard California application. To ensure the accuracy of the policy being issued, an updated illustration and new application should be submitted with any request to exchange or reissue from Salary Saver to MetLife Income Guard California.

25. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public For cases pending in Underwriting If you want to change to a MetLife Income Guard California, please advise your case manager and please submit an updated illustration along with a completed and signed MetLife Income Guard California application. If we do not receive the new updated illustration and application by the time the case is ready to issue, then underwriting will issue the case as Salary Saver. If you want to continue your case as a Salary Saver, then no further action is required.

26. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public For a Recently Issued Policy: You may request a reissue of a recently issued Salary Saver to a MetLife Income Guard California policy. This will generally be done with no additional underwriting. You will need to submit an updated illustration for MetLife Income Guard California as well as a fully completed and signed MetLife Income Guard application. Please submit these requests to our reissues mailbox at IDI Reissues@metlife.com, or to your case manager. –if the original policy was issued and placed after August 31, 2015: Can exchange as a reissue without any additional underwriting. Will reissue at the original effective date of the policy We will require that the original policy be returned to the home office If the original policy was issued without advance premium, the placing premium must be paid before the reissue will be complete. Any compensation paid to the producer on the Salary Saver will be reversed and new compensation on the MetLife Income Guard California policy will be paid. –Salary Saver policies issued and placed before August 31, 2015 are not be eligible for an exchange or reissue to a MetLife Income Guard California policy.

27. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public For cases that have been quoted as Salary Saver but not yet submitted to underwriting: We will continue to accept Salary Saver applications until December 31, 2015 –During this transition period we can continue to accept applications for Salary Saver and continue to issue Salary Saver policies. – If you want to proceed with Salary Saver, simply submit the application in good order as you normally would and let your case manager know that you want to issue as Salary Saver. Good order means a fully completed application with all questions answered and signatures provided. Any Application for Salary Saver must be received in good order in Underwriting on or before December 31, 2015. Any application for Salary Saver received after this date will be returned.

28. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Specifics Appendix

29. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Total Disability – Regular Base *Usual Occupation is not necessarily limited to the specific job you performed prior to disability. Total Disability or Totally Disabled means that as a result of Injury or Sickness, You are, during the Usual Occupation Period, Unable to perform with reasonable continuity the substantial and material acts necessary to pursue Your Usual Occupation* in the usual or customary way, and You choose not to work in any occupation If you choose to work in your usual occupation, you will not be considered Totally Disabled under the policy, but you may qualify for Partial Disability benefits under a rider included with your policy. MIGCA Definitions

30. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Total Disability – Regular Base After the Usual Occupation Period Unable to engage with reasonable continuity in any occupation in which You could reasonably be expected to perform satisfactorily in light of Your age, education, training, experience, station in life, and physical and mental capacity, and You choose not to work in any occupation that exists within any of the following locations A reasonable distance or travel time from Your residence in light of the commuting practices of Your community; or A distance travel time equivalent to the distance or travel time You traveled to work before becoming Disabled; or The regional labor market, if You reside or resided prior to becoming Disabled in a metropolitan area. MIGCA Definitions

31. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Usual Occupation – Regular Base Usual Occupation means any employment, business, trade or profession and the substantial and material acts of the occupation that You were regularly performing when Your Disability began. Usual Occupation is not necessarily limited to the specific job You performed. To determine the substantial and material acts that are necessary to pursue Your Usual Occupation, We will first look at the specific duties required by Your job. If You are unable to perform one or more of these duties with reasonable continuity, We will then determine whether those duties are customarily required of other individuals engaged in Your Usual Occupation. If any specific, material duties required of You by Your job differ from the material duties customarily required of other individuals engaged in Your Usual Occupation, then We will not consider those duties in determining the substantial and material acts that are necessary to pursue Your Usual Occupation. MIGCA Definitions

32. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Total Disability – Specialty Base Total Disability or Totally Disabled means that as a result of Injury or Sickness, You are unable to perform with reasonable continuity the substantial and material acts necessary to pursue Your Usual Occupation and You are not working in your Usual Occupation. If you choose to work in your usual occupation, you will not be considered Totally Disabled under the policy, but you may qualify for Partial Disability benefits under a rider included with your policy. MIGCA Definitions

33. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Usual Occupation – Specialty Base Usual Occupation means any employment, business, trade or profession and the substantial and material acts of the occupation that You were regularly performing when Your Disability began. Usual Occupation is not necessarily limited to the specific job You performing. If the duties You were performing when Your Disability began are those of a professionally recognized specialty (or specialties if more than one) in medicine or dentistry. We will consider such duties when determining You Usual Occupation. To determine the substantial and material acts that are necessary to pursue Your Usual Occupation, We will first look at the specific duties required by Your job. If You are unable to perform one or more of these duties with reasonable continuity, We will then determine whether those duties are customarily required of other individuals engaged in Your Usual Occupation. If any specific, material duties required of You by Your job differ from the material duties customarily required of other individuals engaged in Your Usual Occupation, then We will not consider those duties in determining the substantial and material acts that are necessary to pursue Your Usual Occupation. MIGCA Definitions

34. MetLife INCOME GUARD CALIFORNIA SM Understanding MetLife’s Individual Disability Insurance For Producer Use Only – Not For Use With the General Public Metropolitan Life Insurance Company New York, NY 10166 metlife.com 1505-101216 CS BDDI98609 © 2015 METLIFE, INC. L0915437753[0916][CA] PEANUTS 2015 © Peanuts Worldwide Disability insurance is issued by Metropolitan Life Insurance Company, New York, NY 10166. All policies, riders and provisions may not be available at all issue ages and to all occupational classes.