MetLife Individual Disability Income Insurance Lori Boggs National Account Sales Manager

1. MetLife Individual Disability Income InsuranceLori BoggsNational Account Sales Manager

2. MetLife DISales Organization

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 N.DAKOTA MONTANA WASHINGTON MINN ME WISC S.DAKOTA OREGON VT IDAHO NH MICH WYOMING NY MA IOWA RI. NEBRASKA CT PENN IL OHIO IND NJ NEVADA UTAH MD DE. W.VA COLORADO KANSAS MISSOURI DC. CALIFORNIA KENTUCKY VIRGINIA OKLAHOMA N.C. TENN ARIZONA ARK N.MEXICO S.C. MISS ALA GA TEXAS LA FLA

5. DI Operations

6. DI Operations - Tampa

7. Sales Support

8. Support • DI Sales Representatives • Local • Product Training • Sales Ideas • MetWINS Illustration training • Broker/Agent Meetings • DI Sales Specialists • Local • 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: 1-800-929-1492 • Email: Dimail@metlife.com • Pre-Screen Clients • Illustrations • Product questions • Applications • State Required Forms

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: https://eforms.metlife.com/wcm8/

10. Competitive Overview

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 • 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.

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 Eligibility for Optional Riders varies by occupational class. The more favorable the occupational class, the more optional benefits that are available.

16. Simplified Underwriting Program What if there were a way to get an underwriting decisionwithin 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 paidfaster 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

19. Target Market

20. Target Market • White Collar Professionals • 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 Less Risk Most Risk 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

22. Questions?

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