MetLife Investors. Life Insurance Review. Ensuring life insurance coverage meets today s goals. Life. your way

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1 MetLife Investors Life Insurance Review Ensuring life insurance coverage meets today s goals Life. your way SM

2 Life. your way Preserve your lifestyle. Live your dream. Build financial freedom with confidence and certainty. Discover the flexibility of life insurance protect, accumulate and transfer wealth now and in the future. Be free to live life, your way. MetLife Investors

3 ARE YOU CONCERNED ABOUT preserving the assets THAT YOU SPENT YEARS ACCUMULATING? HAVE YOU RECENTLY had a life changing event? ARE YOU ADEQUATELY protecting the economic value OF YOUR LIFE? Have you properly planned FOR THE UNEXPECTED? Life insurance offers unique benefits. A life insurance death benefit can avoid probate and income tax and can provide considerable leverage. With the appropriate life insurance policy, you may have a source of income tax-free funds that can be used to satisfy a variety of objectives. With life insurance, you can fulfill your promises to yourself, your family and your business. THE BENEFITS LIFE INSURANCE MAY PROVIDE: If the policy is a Modified Endowment Contract (MEC), income taxes are due upon withdrawal, and, if withdrawn before age , a 10% penalty tax may apply. For a non-mec contract, income taxes are due upon withdrawal, only to the extent that they exceed basis. Loaned amounts are generally not subject to income taxation. Loans and withdrawals will decrease the cash value and death benefit. A substantial benefit in exchange for a relatively low amount of premium dollars An income tax-free death benefit to your beneficiaries Estate tax-free proceeds, with proper planning Cash death benefit for taxes, or living expenses while estate is settled The potential to accumulate assets on a tax-deferred basis A source of tax-free funds to satisfy a variety of objectives, including education and retirement 1

4 What is a LIFE Changing? Event HAVE YOU FULLY EVALUATED THE ECONOMIC VALUE OF YOUR LIFE? Over time the economic value of your life may have increased. Do you understand the factors that you may need to consider? Some of these factors may include the following: Continuing financial responsibilities to your family or community Debts or other financial obligations Educational funding for children or grandchildren Changes in income or net worth Divorce, child support or blended family obligations Continuation of your family or community responsibilities Desire to protect your business assets, partners or key persons 2

5 COMMON LIFE CHANGING EVENTS INCLUDE: 1. MARRIAGE OR DIVORCE 2. BIRTH OF A CHILD OR GRANDCHILD 3. PURCHASE OF A NEW HOME 4. DISABILITY 5. OWNING A BUSINESS 6. CHANGE IN BUSINESS VALUATION 7. RETIREMENT 8. EDUCATION FOR YOUR CHILDREN 9. ELDER CARE FOR YOUR PARENTS 3

6 Having already purchased life insurance, you understand that there are expenses your loved ones have that they may be counting on you to provide after your death, or that you simply wish to provide for them even though you may have used great care and forethought when purchasing your coverage. Life insurance isn t an asset that can be purchased and forgotten. You should review all the aspects of your policy approximately every 1-2 years as well as any time you experience a life changing event. Most of the time, you will find that the coverage you have already purchased still meets your needs, but you may need to make certain changes like investment subaccounts or beneficiary designations. Sometimes you will find that your need for insurance coverage has either increased or decreased. You may occasionally find that due to changes in your health, medical advances or industry competition you may be able to purchase the same death benefit for quite a bit less premium. It is extremely important to review your life insurance coverage with your financial professional regularly to ensure that the coverage you have purchased is still providing the intended protection at a reasonable cost. case study #1 YOUNGER CLIENTS Jim & Laurie Our lifestyle has changed so quickly in the last few years that we didn t consider our life insurance needs. theconcern thesolution Jim and Laurie bought a term contract to pay off their mortgage in the event Jim died unexpectedly. Since then, the couple had two children and Laurie stopped working. Due to changed circumstances, their financial professional recommends a life insurance review and points out several things to them. The term policy they purchased and Jim s group term contract through his employer is not enough to pay off the mortgage, help Laurie raise the children and pay college tuition. Moreover, their term coverage, even though level, is scheduled to have a jump in premium based on the guarantees in the contract. 4

7 thebenefit Through a life insurance review, their financial professional shows them how they can meet all of their needs by setting coverage at appropriate levels. Jim and Laurie now understand the importance of reviewing their protection coverage periodically and have committed to meet with their financial professional with greater frequency. This example is hypothetical, actual results may vary. 5

8 case study #2 BUSINESS OWNERS George & Spencer Building this business has been our focus. Now that we have a financial professional to focus on our business planning needs, we can get back to what we do best. theconcern thesolution George and Spencer are co-owners in a business. Some years ago they established a cross-purchase business continuation plan where each planned to buy-out the other in the event of a death. They funded the insurance with a combination of permanent and term coverage. The permanent coverage was variable universal life, intended to provide a source of supplemental income if the policies were not needed by retirement. The term was intended to cover any gaps in the cost of the business. Now, the business has increased tremendously in value. Their financial professional discovers that their current coverage is not sufficient to accomplish their goals. He also points out that the variable universal life insurance is underperforming and recommends reviewing current investment options. 6 Because George and Spencer have each decided to sell their share of the business to the surviving partner, even after retirement, a term policy designed to expire at retirement is no longer suitable for their needs. Fortunately, their current term policy has a conversion privilege that can be used to fund part of a new universal life insurance policy with a higher death benefit to fund their plans for the continuation of the business. At this time, they also review the investment options in the variable policies and make some changes to the subaccounts they have chosen.

9 thebenefit By converting their existing term insurance to universal life insurance policies that will last for their lifetimes, the survivor will be able to purchase the other half of the business no matter when the first partner dies. They are also hopeful that the changes they have made to the variable policies subaccounts will provide the potential for higher returns. This example is hypothetical, actual results may vary. 7

10 case study #3 CLIENTS UTILIZING A TRUST Paul & Margaret We thought our trust was on auto-pilot, but our financial professional opened our eyes to the need for a regular review. theconcern thesolution Paul and Margaret set up their estate plan ten years ago. As part of the plan they set up an irrevocable trust and the trustee purchased two second-to-die policies on their lives from two different companies. One was a participating whole life contract; the other was a universal life contract. The couple has diligently made gifts for premium payments each year, and the trust is in good shape. However, no one including the trustee has reviewed the life insurance policies during that time. At the urging of their financial professional and CPA, Paul and Margaret contacted the trustee and asked to have the policies reviewed. After a thorough analysis, it was determined that both policies were not performing as expected. Both were sold using assumptions that, while normal for life insurance policies ten years ago, are unrealistically high in today s environment. The participating whole life policy had experienced dividend cuts over the last ten years. Because the universal life policy was being credited over 500 basis points (5%) lower than the illustration upon which the policy was sold, the policy would now require premiums be paid an additional 12 years over the original period. 8

11 thebenefit By evaluating the newer policies on the market, it is determined that they can obtain slightly more coverage than the original policies while preserving the original premium schedule illustrated ten years ago. They were then pleased to discover that Paul is now eligible for the preferred nonsmoker class where the existing contracts had rated him Table B and as a smoker. Paul quit smoking several years ago, but never even thought to inform his existing carriers. With the new policy and improved ratings from underwriting, Paul and Margaret s trust now owns life insurance with an approximately 20% higher death benefit, and a reduced period of premium payments. This example is hypothetical, actual results may vary. 9

12 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. You should seek advice based on your 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 should consult with and rely on your own independent legal and tax advisers regarding your particular set of facts and circumstances. MetLife Variable Life Policy Form #TL-15598(L in New York), MetLife Variable Life Accumulator Policy Form #TL (L in New York) and MetLife Variable Survivorship Life II Policy Form #TL (L in New York) is issued by MetLife Life and Annuity Company of Connecticut and MetLife Insurance Company of Connecticut, One Cityplace, Hartford, CT , depending on jurisdiction. Variable universal life insurance (VUL) is issued by MetLife Investors Insurance Company on Policy Form Series CLP001 and CP002. Guaranteed Advantage Universal Life (GAUL) is issued by MetLife Investors USA Insurance Company on Policy Form Series 5E and, in New York only, by Metropolitan Life Insurance Company, New York, 200 Park Avenue, New York, NY on Policy Form Series 1E NY. Legacy Advantage Survivorship Universal Life (LASUL) is issued by MetLife Investors USA Insurance Company on Policy Form Series 5E and, in New York only, by Metropolitan Life Insurance Company on Policy Form Series 1E NY. Universal Advantage Universal Life (UAUL) is issued by MetLife Investors USA Insurance Company on Policy Form Series 5E-31-05, and in New York only, by Metropolitan Life Insurance Company on Policy Form Series 1E NY. Products are distributed by MetLife Investors Distribution Company (MetLife Investors), 5 Park Plaza, Suite 1900, Irvine, CA A prospectus for variable life insurance issued and/or distributed by MetLife Investors Distribution Company and for the investment portfolios are available from your financial professional or in the life insurance sales kit. The contract prospectus contains information about the contract s features, risks, charges and expenses. 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. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. MetLife variable life insurance policies have exclusions, limitations and conditions for keeping them in force. Your financial professional can provide you with details and information related to costs. 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. All product guarantees are subject to the terms of the policy and are based on the claims-paying ability and financial strength of the issuing insurance company. Life insurance is medically underwritten. You should not cancel your current coverage until your new coverage is in force. Surrender charges may be due on an exchange of one contract for another. A change in policy may require an examination. Surrenders may be taxable. You should consult your own tax advisors regarding tax liability on surrenders. Insurance Products: 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 CLVL20075 L (exp. 06/09) A 2007 METLIFE, INC. PEANUTS United Feature Syndicate, Inc. MetLife Investors Distribution Company 5 Park Plaza, Suite 1900 Irvine, CA

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