PREFERRED PERSONAL LINES ACCESS PROGRAM. MetLife Auto & Home Personal Lines Program

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1 PREFERRED PERSONAL LINES ACCESS PROGRAM MetLife Auto & Home Personal Lines Program

2 MetLife Auto & Home Some background on MetLife: In business for 141 years Fortune 500 Company MetLife Auto & Home - A.M. Best Rating A (Excellent) Started P & C in 1972 $3 Billion in Premium $85M+ Written Premium in California

3 We are Big, Strong and Trusted. ~ Chief Executive Officer Rob Henrikson Comments at MetLife Investor Day, 2008.and we ve got Snoopy!

4 MetLife Auto & Home CA Products Auto Program Residential Property Program (RPP) Home (HO3 & HO5) Condo Landlord (Dwelling Fire) Renters Personal Excess Liability Policy (PELP) Boat & Personal Watercraft

5 MetLife Auto & Home: Auto Program

6 MetLife Auto & Home - Auto Program Preferred Auto Program CA Good Driver - ONLY Differentiating Features Flexible Payment Plans (Sun Coast Only Offering EFT or RCC) 6 Month or 12-Month Policy No billing fees with EFT plans FREE Identity Theft Services

7 MetLife Auto & Home - Auto Program Met Auto Advantage Included at No Added Charge: Replacement Cost For Total Loss Replacement Cost For Special Parts Enhanced Rental Car Damage Coverage Identity Theft Resolution Coverage Guaranteed Auto Repair Program Other Benefits: Multiple Discounts Glass Deductible Buyback Option Lease/Loan Gap Coverage Option

8 MetLife Auto & Home - Discounts Auto+Home (including Condo) Discount 10% Auto+Life Discount 5% Auto+Home+Life Discount 12% Good Driver Discount 20% Good Student Discount 10% BI, PD, Med, UM, 20% Comp., 5% Collision Driving Safety Course Discounts Mature Driver 55+ (DMV approved course) OR National Safety Council Defensive Driving Course 10% Coll., 5% PD, 3% BI & Med Multi-Car Discount Years With Met Discount Starts at Yr 2 (4%-7%), 10+ years, up to 18%

9 MetLife Auto & Home Payment Plans Available Payment Plans (in Program) Full Pay Expressit (EFT) No Fees Recurring Credit Card (RCC) $2 per VISA, MasterCard, AMEX, Discover

10 Underwriting - Helpful Hints We will have to.. Verify the use of the vehicle for all employed drivers. Explain pleasure use. If there is a company vehicle in the household, or the insured works from home, be sure to note this with your Sun Coast underwriter. Address all drivers that appear on the CLUE report in the accident section, as well as in the Additional Driver Discovered (ADD) section. Verify the drivers license status of the applicant. If the license has expired, the applicant must renew it prior to the agent submitting an application.

11 Underwriting - Helpful Hints Reinforce the named insured & ownership issue: If the vehicle is not owned by the named insured and/or spouse or a child living in the household under the age of 26, the vehicle should not be rated on the MetLife policy. Each adult over 26 must apply for their own coverage. This does not apply for committed domestic or same sex partners purchasing property together.

12 Auto Program Profile Continuous Prior Insurance => 3-Years Prior insurance w/ standard carrier (eg. Farmers / State Farm) California Good Driver ONLY BI limits of 50/100/50 or higher. Prior BI Limits of 25/50 multi vehicle w/ clean driving record Medical Payments Limits Max at $5,000 At least one vehicle on the policy needs Comp and Collision. Mileage - Minimum 10,000 per year. TARGET 12,000 All drivers on household must be included or excluded from the policy. Drivers until age 26 with a vehicle registered to their name may be kept under their parent s policy. Over 26 yrs old must have their own policy. No single driver (married) policies.

13 What Questions Do You Have?

14 MetLife Auto & Home: Home Program

15 California Residential Property Program PLATINUM (Comprehensive Perils) Platinum Homeowners Platinum Condominium Platinum Renters STANDARD (Special Perils) Standard Homeowners Standard Condominium Standard Renters LANDLORD Landlord s Rental Dwelling (Special Perils) Landlord s Condominium (Special Perils)

16 California RPP Underwriting Guidelines Platinum Products Single Family, Owner Occupied All Other Products (except Landlord) 1-4 Family, Owner Occupied Landlord s Products No Stand Alone 1-4 Family, Non-Owner Occupied Rental Property incl. Condos

17 MetLife Auto & Home Platinum vs. Standard Standard Homeowners (our HO-3) Coverage A >= $175,000 Coverage A & B / Comprehensive Perils Loss Settlement 125% Coverage C Broad Named Perils Platinum Homeowners (our HO-5) Coverage A >= $300,000 Coverage A/B/C Comprehensive Perils Loss Settlement 150% Extended Replacement Cost (ERC),

18 Home Program Profile Requirements NO Wood Roofs NO Wall / Floor Heaters HOME 1,000 ft from Brush as a minimum Multi Policy Discounts can be applied to a new HO / CONDO (Currently Sun Coast Requires HO & AUTO sold same day to apply discount) Subject to BRUSH / EQ Eligibility

19 California Home Underwriting Guidelines Requires Prior Underwriter Approval: Any Risk Identified in Brush Hazard Zip Code No Prior Insurance or Lapse of 30+ days Any Water Loss in the last 3 yrs 2 or More Losses in the last 3 yrs Homes Being Renovated Coverage A = Over $1,000,000

20 MetLife Auto & Home Features SPECIAL LIMITATIONS & SUB-LIMITS Standard Platinum Money $200* $1,000 Securities $1,500 $5,000 Manuscripts $1,500 $5,000 Coin, Currency & Stamp Collections $1,500 $5,000 Memorabilia $5,000* $10,000* Computer $5,000* Personal - Up to Cov C Limit Business - $5000 Electronic Apparatus (Dual Power) $1,000 Cov C Limit Theft of Firearms $2,500 $5,000 Theft of Jewelry, Watches, Furs $1,500 $5,000 Theft of Silverware, Goldware $2,500* $10,000 Theft of Compact Discs in Vehicle $1,000 $1,000 Theft of Tools $5,000* $10,000* Business Property On Premises $1,000 $2,500 Business Property Off Premises $250 $500 Watercraft $1,500 $1,500 Trailers (not used with Watercraft) $1,500 $2,000 *Increased Limits Are Available

21 MetLife Auto & Home Features Standard Platinum ADDITIONAL COVERAGES Backup of Sewer, Drain & Sump Pump Optional $10,000* Data and Records Personal - $1500 Business - $0 Personal - $2500 Business - $2500 Debris Removal 10% of Cov A 10% of Cov A Debris Removal of Trees Up to $500 - When tree rests against structure or blocks driveway or handicap ramp Up to $500 - When tree rests against structure or blocks driveway or handicap ramp Emergency Living Expense $500 $500 Emergency Removal of Property Up to 30 days from date of Removal Up to 30 days from date of Removal Fire Dept. Charges $750 $1,000 Identity Protection Services Resolution Identity Service, Credit Card Protection up to $1000* Resolution Identity Service, Credit Card Protection up to $10,000 Land $10,000 $10,000 Landlord's Furnishings $2,500 $2,500 Lock Replacement Included - when Key stolen w/other property Included - when Key stolen w/other property Loss Assessment $1,000* $10,000* Ordinance or Law Optional 50% of Cov A* Refrigerated Contents $1,000 $1,500 Reward $5,000 $5,000 Trees, Shrubs, Plants & Lawns Up to 5% of Cov A (max $500/tree)* Up to 5% of Cov A (max $500/tree)*

22 MetLife Auto & Home Inspection Triggers Home Inspection Triggers for New Business: Number of families is > 2 - outside inspection Coverage A is in excess of $1M - High Value inspection ordered, inside and outside Total living area > 6000 square feet - High Value inspection ordered, inside and outside Year of construction is < inside and outside inspection When EQ coverage is selected - outside inspection

23 Identity Protection Services (FREE) What do you get? Personal advocate who works one on one with the victim until the crisis is resolved Systematic notification of agencies and businesses Comprehensive case file creation for insurance and police Preparation of all needed documents Credit reports from all three credit bureaus Ongoing proactive consumer education One year of credit & fraud monitoring A full year of follow up alerts, phone calls and status checks to avoid recurrence

24 MetLife Auto & Home Features Discounts Available Superior Home Discount -COVERAGE A = $500K plus and less than 20 YRS old add a 10% Discount. Protective Devices up to 15% Mature Homeowner - (55 yrs +) add a 10% Discount Home + Auto Discount add a 30% Discount (AUTO sold same day of HOME). Condo/Renters/Landlords /Auto discount 10% MetRewards (claim free 3+ yrs) max 15%

25 MetLife Auto & Home Other Home Products Renters/Condo $25K-$150K Platinum Renters/Condo. - $75K-$500K Landlord Rental Dwelling or Condo Non-owner occupied Rental Property Combo Policy: Auto / PROP/ PELP in one Annual Package One Bill One Annual Effective date One APPLICATION

26 MetLife Auto & Home Payment Plans Pay Plans Available in the Program: Full Pay Expressit (EFT) No Fees Recurring Credit Card (RCC) $2 per VISA, MasterCard, AMEX, Discover

27 What Questions Do You Have?

28 Other MetLife Auto & Home Products

29 MetLife Auto & Home - Other Products Boat or Personal Watercraft Online rating 26 Ft. or Less Personal Excess Liability Policy Must Have Underlying Auto Up to $5,000,000 Online Rating Prior Underwriter Approval

30 Personal Excess Liability Policy Benefits Max $5M Excess Liability Available* Legal Defense Costs Lost Wages Limit Interest On Unpaid Judgments Premium For Appeal Bonds Other Miscellaneous Reasonable Expenses *Subject To Underwriting Requirements

31 Personal Excess Liability Protection General Guidelines Underlying Limits Auto Liability, UM/UIM $100/300/50 Personal Liability - PROP $100,000 Other Carrier s HO $ 300,000 Watercraft Liability $100,000 Employers Liability $100,000

32 What Questions Do You Have?

33 FSC POINTERS Make sure to have both sections completed as show above if quoting the AUTO with a HO or CONDO discount All HO quotes on the FSC have the 30% Package Discount included.

34 Happy Selling!