Met Life Individual Disability Income Insurance Lori Boggs

Met. Life Individual Disability Income Insurance Lori Boggs National Account Sales Manager

Met. Life DI Sales Organization

DI Sales Organizational Chart 3

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

DI Operations

DI Operations - Tampa 6

Sales Support

Support • DI Sales Representatives • Local • Product Training • Met DI Sales Desk (Resource Line) • Sales Ideas • 22 Sales Advisors (Licensed) • Met. WINS Illustration training • Available 8 am-7 pm ET • Broker/Agent Meetings • Phone: 1 -800 -929 -1492 • Email: Dimail@metlife. com • DI Sales Specialists • Pre-Screen Clients • Local • Illustrations • Prescreen Clients • Product questions • Case design/Illustrations • Applications • State Required Forms • Product Questions • Broker/Agent Contracting and Appointments • Underwriting Status/Requirements 8

Process • First Point of Contact for Sales Support- Agency Office – All applications must be submitted through the GA’s office to the local Met. Life 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 forwarding to Agent/Broker • DI Sales Specialist and Rep – Your main point of contact at Met. Life – 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/wcm 8/ 9

Competitive Overview

Competitive Advantage Three levels of support- DI Sales Reps, Specialists, Resource Line Product offering without 2 yr 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 11

Met. Life’s Individual DI Product Portfolio

Individual Market Met. Life 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 13 **** 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.

Multi. Life Market Met. Life 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 14

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. 15

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 Met. Life is committed to… • making the process as simple as possible • getting your cases placed and paid faster *Not available in CA Don’t forget, a fully completed app is key! 16

Simplified Underwriting Program Details • Available to occupational class 2 A and above • Products available • Single life - Omni Advantage, Essential or Priority Plus • Multi. Life (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. 17

Small Business Owner Market Met. Life offers two products in the Business Owner market Buy Sell Business Overhead Conditionally Renewable to age 65 Noncancelable to age 65 Reimbursement Policy Up to 2. 5 million Not available in CA 18

Target Market

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 20

Target Market Class B Mechanic, Welder Class 6 S Dental Assistant, Office Clerks Bank Officer, School Principal Dermatologist, Oncologist New Car Dealer, Construction Owner Less Risk Most Risk Barbers, Machinists, Electricians, Plumbers Insurance Appraiser, Dietician Orthodontist, Pediatric Dentist General Dentist, Surgeons, Gynecologists, Psychiatrists, Emergency Room Physicians Architect, CPA, Pharmacist Insurance Underwriter, Small Animal Veterinarian 21

Questions?

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