MetLife Individual Disability Income

Insurance

Lori BoggsNational Account Sales Manager

MetLife DISales Organization

3

DI Sales Organizational Chart

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WASHINGTON

OREGONIDAHO

MONTANA

ARIZONA

N.MEXICO

UTAHCOLORADO

N.DAKOTA

S.DAKOTA

NEBRASKA

KANSAS

MINN

IOWA

KENTUCKY

GA

MD

NY

NH

ME

FLA

DE.

RI.MA

VT

CT

NEVADACALIFO

RNIA

WISC

W.VA

N.C.

S.C.

IL

ALA

TENN

MISS

MISSOURI

ARK

LATEXAS

OKLAHOMA

WYOMING MICH

VIRGINIA

DC.

PENN

Regional Sales DirectorsCentral/Northwest – Paul Berkey

Northeast – Kevin SweeneyWest/Southwest – Chris GinocchioSouth/Southwest – Mark Hamlett

IND OHIONJ

DI Sales Territory Map

DI Operations

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Clea BarthVice President

IDI Health Risk Products

Pamela PlummerSecretary to Officer

Open Director

Distribution Mgmt

Roque RomanSr. Manager

Tech Liaisons

Karen LynchDirector

GSI

ToniAnn ConnorsManager –

Producer & Cust Support

Ronald GraffDirector – Product

Dev & Strategic Planning

Debra StarlingSr. Bus ProcConsultant

Ken BeilDirector

Policy Admin

Marianne AllisonSupervisor III, Admin & Acct’g

Ron CerniglioSupervisor II, New Business

Terri ThibeaultManger, QMS

Hector PadroSr. Business Proc Consultant

Cheryl MoranManager, MultiLIfe Billing

Todd GilesManagerStrategic Planning

Andy McGaheeManager, Case Implementation

Patrick ParisiSupervisor IIGSI Operations

Grant BailieManager, GSI UW

Anthony BelliamyMananger, Dev Team

Antonio OomsManager, Conversation Team

Robin RumseyManager, Cust Svc

IDI ProductsOct. 2011

Jay CraceySr. Sales Consultant

DI Operations - Tampa

Sales Support

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Support

• 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

• 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

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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/

Competitive Overview

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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

MetLife’s Individual DI Product Portfolio

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.

Individual Market

MetLife offers three products in the Individual market

Salary SaverCalifornia Product

Noncancelable to age 65

2-Year MNAD Limitation

Omni Essential

Guaranteed Renewable to age 65

2-Year MNAD Limitation

Omni AdvantageFlagship Product

Noncancelable to age 65

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MetLife offers three products in the Multilife market

MultiLife Market

Salary SaverCalifornia Product

Noncancelable to age 65

2-Year MNAD Limitation

Omni Essential

Guaranteed Renewable to age 65

2-Year MNAD Limitation

Omni SelectFlagship Product

Noncancelable to age 65

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• 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.

Optional Riders

16*Not available in CA

Simplified Underwriting Program

What if there were a way to get an underwriting decisionwithin 48 hours?

Don’t forget, a fully completed

app is key!

MetLife is committed to…MetLife is committed to…

• making the processmaking the process as simple as possible as simple as possible

• getting your cases placed and paid fasterfaster

With a fully completed application and PHI, the 48 hour turn around may be possible

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•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.

Simplified Underwriting Program Details

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Not available in CA

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 OverheadNoncancelable to age 65

Reimbursement Policy

Target Market

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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

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Architect, CPA, Pharmacist

New Car Dealer, Construction

Owner

Orthodontist, Pediatric Dentist

Bank Officer, School Principal

Insurance Appraiser, Dietician

Dental Assistant, Office Clerks

Mechanic, Welder

Barbers, Machinists, Electricians, Plumbers

General Dentist, Surgeons, Gynecologists,

Psychiatrists, Emergency Room Physicians

Insurance Underwriter, Small Animal Veterinarian

Dermatologist, Oncologist

Most Risk Less Risk

Target Market

Class B Class 6S

Questions?

Thank You!We look forward to doing business with

you!