1. Determining your family’s financial needs

2. Family Legacy Lifestyle Career Retirement Education Live life your way.

3. How do you get started? 40% of U.S. adults have no life insurance * 67% of adults have no individual life insurance protection * And… 50% of U.S. Households believe they are underinsured * * LIMRA International, 2011, Person-Level Trends in U.S. Life Insurance Ownership

4. Life insurance: pain or promise? What would you rather do… –Go to the DMV? –Have a root canal? –Baby sit sextuplets? –Talk about life insurance?

5. The flexibility of life insurance ProtectProtect loved ones with what is generally an income tax free death benefit structuredPotentially transfer wealth without federal estate taxes if life insurance is purchased within a properly structured irrevocable life insurance trust tax-deferredAccumulate a tax-deferred cash value, with certain policies* *Distributions are generally treated first as tax-free recovery of basis and then as taxable income, assuming the policy is not a Modified Endowment Contract (MEC). However, different rules apply in the first fifteen policy years, when distributions accompanied by benefit reductions may be taxable prior to basis recovery. Non-MEC loans are generally not subject to tax but may be taxable when the policy lapses, is surrendered, exchanged or otherwise terminated. In the case of a MEC, loans and withdrawals are taxable to the extent of policy gain and a 10% penalty may apply if taken prior to age 59 1/2. Always confirm the status of a particular loan or withdrawal with a qualified tax advisor. Cash value accumulation may not be guaranteed depending on the type of product selected. Investments in variable life insurance are subject to market risk, including loss of principal. Please note: this document is designed to provide introductory information on the subject matter. You should consult your attorney and/or tax advisor before making financial investment or planning decisions.

6. How much life insurance do I need? Human Life Value - analyzes your economic contribution to the family Capital Needs Analysis - analyzes your family’s future financial needs

7. Human Life Value Estimate the amount of income you will provide to your family before retirement Include the cost of fringe benefits Subtract taxes Subtract your own personal expenses Estimate the rate of return on the death benefit amount How does it work?

8. Case Study – David and Brenda David’s current age - 40 Anticipated retirement age - 67 Annual income - $85,000 Percent of income to protect – 85% Number of years to provide income - 25 Amount of life insurance needed - $1,140,693 This Example Is For Illustration Purposes Only. Actual Results Will Vary. Hypothetical Example of Human Life Value

9. Capital Needs Analysis Determine the primary breadwinner’s total income contribution Add the other spouse’s income, if applicable Multiply the total family income by the percentage of income necessary to support the family if the primary breadwinner dies Subtract the surviving spouse’s income from the assets required to support the family to determine the income gap to be replaced How does it work?

10. Hypothetical Example of Capital Needs Analysis Case Study – Chris’ salary - age 35 Jennifer’s salary – age 34 Total annual income Percentage of income necessary to continue standard of living Actual income needed to maintain standard of living Jennifer’s salary INCOME GAP TO BE REPLACED $150,000 +$50,000 $200,000 x80% $160,000 –$50,000 $110,000 Chris and Jennifer Married Couple of 7 years: This Example Is For Illustration Purposes Only. Actual Results Will Vary.

11. Hypothetical Example of Capital Needs Analysis This hypothetical is for illustration purposes only, actual results will vary. These calculations assume a 5% return on assets. Growth rate is a hypothetical growth rate, selected by clients and based on what they believe is a reasonable rate of return for their risk tolerance. The Liquidation Approach in this example uses a 20 year timeframe. Income Gap to be replaced 2,200,000 (Add one time expenses) + $570,000 $2,770,000 (Less existing assets) – $780,000 DEATH BENEFIT $1,990,000 NO LIQUIDATION APPROACH Set aside funds, preserve principal, survivors live off earnings Income Gap to be replaced 1,439,385 (Add one time expenses) + $570,000 $2,009,385 (Less existing assets) – $780,000 DEATH BENEFIT $1,229,385 LIQUIDATION APPROACH Liquidate assets over a period of years Case Study – Chris and Jennifer

12. Which formula should you use? Human Life Value: - Goal is to replace lost financial contribution; doesn’t take into account actual income needs, existing assets or a spouse’s income; total life insurance recommendation will typically be higher than Capital Needs Analysis calculation. Capital Needs Analysis: - Focuses on income needs of surviving family members; takes assets and other sources of income into account; life insurance recommendation will generally be lower than the Human Life Value calculation

13. Types of Life Insurance Premiums Cash Value Loans/Withdrawals 3 Coverage 4 Investment Risk Commonly Used For PERMANENT TERM Term Life Level premiums for term of policy. No Specific term is defined by the policy selected. Generally 10, 15, 20 or 30 years. None Income replacement Whole Life Guaranteed level premiums for life. Yes Life Insurance company bears risk. Income replacement/ supplemental income strategy Universal Life Flexible premiums for life. Yes Life Insurance company bears risk. Estate planning/ legacy planning Variable Universal Life 1 Flexible premiums for life. Yes 2 Yes Life Policy owner bears risk. Supplemental income strategy Term vs. Permanent 1 Investments in variable life insurance are subject to market risk, including loss of principal. 2 Cash value accumulation of variable life insurance is not guaranteed. 3 Loans and withdrawals will decrease the cash value and death benefit. Tax-favored distribution assumes that the life insurance policy is properly structured and not classified as a Modified Endowment Contract (MEC). Withdrawals are made up to the cost basis and policy loans thereafter. If the policy is a MEC, cash value is taxable upon withdrawal and if withdrawn before age 59½, a 10% federal income tax penalty may apply. If a policy should lapse or be surrendered prior to the death of the insured, there may be significant tax consequences. Loans and withdrawals will decrease the cash value and death benefit. 4 Coverage is subject to adequate policy funding.

14. Term Life Insurance Low cost death benefit protection Purchased for a specified period of time Annual premium typically remains level No cash value feature Conversion privileges Level premium versus yearly increasing Level premiums for term of policy No Specific term is defined by the policy selected. Generally 10, 15, 20 or 30 years. None Income replacement Term Life TERM Premiums Cash Value Loans/Withdrawals Coverage Investment Risk Commonly Used For

15. Whole Life Insurance Guaranteed level premiums Guaranteed cash values* Guaranteed death benefits *Guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company Coverage is subject to adequate policy funding. Policy dividends are not guaranteed. Whole Life Premiums Cash Value Loans/Withdrawals Coverage Investment Risk Commonly Used For Guaranteed level premiums for life. Yes Life Insurance company bears risk. Income replacement/ supplemental income PERMANENT

16. Universal Life Insurance Flexible premium payments and death benefit 1 Tax-Advantaged access to cash values -Through Loans and Withdrawals 2 Potential for guaranteed 3 death benefit 2 Permanent death benefit coverage for - Wealth Transfer - Income Protection Premiums Cash Value Loans/Withdrawals Coverage Investment Risk Commonly Used For Flexible premiums for life. Yes Life Insurance company bears risk. Estate planning/ legacy planning PERMANENT Universal Life 1 Subject to certain restrictions and limitations. Coverage is subject to adequate policy funding. 2 Loans and withdrawals will decrease the cash value and death benefit. Tax-free distributions assume that the life insurance policy is properly structured, is not a Modified Endowment Contract (MEC) and distributions are made up to the cost basis and policy loans thereafter. If the policy has not performed as expected, distributions may need to be reduced, stopped and/ or premium payments may need to be resumed to avoid a policy lapse. There may be tax consequences. 3 If guaranteed Universal Life coverage is purchased loans and withdrawals could negatively impact the policy's duration.

17. Variable Universal Life Insurance Death benefit coverage with equity based investment options Premium and death benefit flexibility Tax-advantaged access to cash values through policy loans and withdrawals.2 Premiums Cash Value Loans/Withdrawals Coverage Investment Risk Commonly Used For Flexible premiums for life. Yes Life Policy owner bears risk. Supplemental income Variable Universal Life 1 PERMANENT 1 Investments in variable life insurance are subject to market risk, including loss of principal. Cash value accumulation is not guaranteed. Coverage is subject to adequate policy funding. 2 Loans and withdrawals will decrease the cash value and death benefit. Tax-free distributions assume that the life insurance policy is properly structured, is not a Modified Endowment Contract (MEC) and distributions are made up to the cost basis and policy loans thereafter. If the policy has not performed as expected, distributions may need to be reduced, stopped and/ or premium payments may need to be resumed to avoid a policy lapse. There may be tax consequences.

18. Tax-Advantaged Access to Cash Values Non Modified Endowment Contract Withdrawals are subject to income tax to extent that they exceed basis in the policy Generally tax free loans Modified Endowment Contract Distributions and loans subject to Federal income tax to extent of gain If withdrawn before age 59 ½, subject to a 10% penalty tax May be penalties associated with loans/ withdrawals Loans and withdrawals will decrease the cash value and death benefit. Tax-free distributions assume that the life insurance policy is properly structured, is not a modified endowment contract (MEC), and distributions are made up to the cost basis and policy loans thereafter. If the policy has not performed as expected and to avoid a policy lapse, distributions may need to be reduced, stopped and/or premium payments may need to be resumed. Should the policy lapse or be surrendered prior to the death of the insured, there may be tax consequences.

19. What are your goals? Protecting your family Accumulating funds Supplementing your income Transferring wealth Reducing estate taxes Continuing a business

20. Action Steps: Identify your motivations/ goals for purchasing insurance Calculate how much insurance you might need Determine the type of insurance policy to purchase Apply for insurance Review annually with a financial professional Identify your motivations/ goals how much type Apply annually

21. Where to find help? Seek professional advice Reputable insurance company Carrier ratings are important Consider MetLife

22. MetLife Brand *MetLife. Quick Facts: Full Year 2009 **About MetLife. www.metlife.com October 2011www.metlife.com One of America’s largest financial companies with roots as far back as 1863 Serves over 90 of the top one hundred FORTUNE 500 ® companies* Recognized as the Nation’s Largest Life Insurer**

23. Primary Factors to Consider Is your need for insurance temporary? Do you ever anticipate accessing the policy’s cash value? How long do you want to pay premiums? Do you want the premiums to stay the same for the life of the policy? Do you want the flexibility to increase your death benefit? Do you feel more comfortable with a guaranteed death benefit? How much investment risk are you willing to bear?

24. Important Information Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance products. Your clients should seek advice based on their particular circumstances from an independent tax advisor. MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. You clients should consult with and rely on their own independent legal and tax advisers regarding their particular set of facts and circumstances. Prospectuses for Equity Advantage Variable Universal Life, and for the investment portfolios offered thereunder, are available from MetLife. The policy prospectus contains information about the policy’s features, risks, charges and expenses. Investors should consider the investment objectives, contract features, risks, charges and expenses of the investment company carefully before investing. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Clients should read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state.

25. Important Information MetLife life insurance policies have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in this product will meet their stated goals or objectives. The account value is subject to market fluctuations so that, when withdrawn, it may be worth more or less than its original value. Guarantees are based on the claims-paying ability and financial strength of the issuing insurance company. Guarantee Advantage Universal Life is issued by MetLife Investors USA Insurance Company on Policy Form Series 5E-34-07 and in New York, only by Metropolitan Life Insurance Company on Policy Form Series 1E-34-07-NY. Legacy Advantage Survivorship Universal Life is issued by MetLife Investors USA Insurance Company on Policy Form Series 5E-32-05 and in New York, only by Metropolitan Life Insurance Company on Policy Form Series 1E-32-05-NY. Equity Advantage Variable Universal Life is issued by MetLife Investors USA Insurance Company on Policy Form Series 5E-46-06 and in New York only by Metropolitan Life Insurance Company on Policy Form Series 1E-46-06-NY-1. MetLife Promise Whole Life is issued by MetLife Investors USA Insurance Company on Policy Form 5E-12-10 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-12-10-NY. Guaranteed Level Term is issued by MetLife Investors USA Insurance Company on Policy Form Series 5E-21-04 and in New York, only by First MetLife Investors Insurance Company on Policy Form Series 5E-21-04-NY. All are MetLife companies. All guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company. Variable products are distributed by MetLife Investors Distribution Company, 5 Park Plaza, Suite 1900, Irvine, CA 92614. Variable products are offered through MetLife Securities, Inc. and New England Securities Corporation; both at 1095 Avenue of the Americas, New York, NY 10036 (member FINRA/SIPC). February 2012 Not A Deposit Not FDIC-Insured Not Insured By Any Federal Government Agency Not Guaranteed By Any Bank Or Credit Union May Go Down In Value CLVL22404 L0412250283[0414] 2012 METLIFE, INC. PEANUTS @ 2012 Peanuts Worldwide