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1 LIFE INSURANCE Life Insurance Selector SM Questionnaire clarifying life s choices NAME: DATE:

2 I. How Much? Instructions for MetLife s Life Insurance Income Simplifier: Determine your monthly income, the amount you wish to protect and how many years you wish to protect it. For protected monthly income levels and a duration of years protected other than what s shown, ask your financial professional for a customized report. STEP 1 What is your monthly income? \$ STEP 2 How much of this income do you want to provide for your family in the event something happens to you? STEP 3 How long would your family need this income in the event something happens to you? Years STEP 4 Use the MetLife Insurance Income Simplifier chart to the right to determine how much life insurance you would want to provide to your family in the event something happens to you. STEP 5 Determine the amount of additional life insurance you may need today. LIFE INSURANCE NEEDED minus CURRENT LIFE INSURANCE COVERAGE equals ADDITIONAL LIFE INSURANCE NEEDED TODAY = If an alternate method to calculate the amount of life insurance needed is used, please skip the five-step process and enter the amount of life insurance in this box.

3 MetLife s Life Insurance Income Simplifier The amount of life insurance needed is based on how much of your monthly income you wish to provide to your family and for how long you want to provide it, if you aren t there to earn it. Amount of Protected Monthly Income Years Protected \$2,000 \$197,540 \$270,384 \$330,044 \$378,905 \$418,922 \$451,697 \$478,539 \$3,000 \$296,311 \$405,576 \$495,066 \$568,357 \$628,384 \$677,545 \$717,809 \$4,000 \$395,081 \$540,769 \$660,087 \$757,810 \$837,845 \$903,394 \$957,079 \$5,000 \$493,851 \$675,961 \$825,109 \$947,262 \$1,047,306 \$1,129,242 \$1,196,348 \$6,000 \$592,621 \$811,153 \$990,131 \$1,136,715 \$1,256,767 \$1,355,091 \$1,435,618 \$7,000 \$691,391 \$946,345 \$1,155,153 \$1,326,167 \$1,466,229 \$1,580,939 \$1,674,888 \$8,000 \$790,161 \$1,081,537 \$1,320,175 \$1,515,620 \$1,675,690 \$1,806,788 \$1,914,157 \$9,000 \$888,932 \$1,216,729 \$1,485,197 \$1,705,072 \$1,885,151 \$2,032,636 \$2,153,427 \$10,000 \$987,702 \$1,351,921 \$1,650,219 \$1,894,525 \$2,094,612 \$2,258,485 \$2,392,697 \$15,000 \$1,481,553 \$2,027,882 \$2,475,328 \$2,841,787 \$3,141,919 \$3,387,727 \$3,589,045 \$20,000 \$1,975,403 \$2,703,843 \$3,300,437 \$3,789,050 \$4,189,225 \$4,516,969 \$4,785,393 \$25,000 \$2,469,254 \$3,379,804 \$4,125,546 \$4,736,312 \$5,236,531 \$5,646,212 \$5,981,742 \$30,000 \$2,963,105 \$4,055,764 \$4,950,656 \$5,683,574 \$6,283,837 \$6,775,454 \$7,178,090 \$35,000 \$3,456,956 \$4,731,725 \$5,775,765 \$6,630,837 \$7,331,143 \$7,904,697 \$8,374,438 \$40,000 \$3,950,807 \$5,407,686 \$6,600,874 \$7,578,099 \$8,378,450 \$9,033,939 \$9,570,787 \$45,000 \$4,444,658 \$6,083,647 \$7,425,984 \$8,525,362 \$9,425,756 \$10,163,181 \$10,767,135 \$50,000 \$4,938,509 \$6,759,607 \$8,251,093 \$9,472,624 \$10,473,062 \$11,292,424 \$11,963,484 Values in this table represent the present value of a future income stream and are based on a hypothetical rate of return of 4%. If the rate of return were higher or lower, a different value would result. This MetLife Insurance Income Simplifier represents the amount of life insurance needed to replace your income or a percentage of income for a period of time. While the chart makes several assumptions, a custom report can be created for your specific situation.

4 II. Insurance Portfolio Allocation Begin the Insurance Portfolio Allocation Some people feel they need life insurance for a certain period of time just long enough to meet their responsibilities for those who depend on them. This is typically done with term insurance. Others, however, recognize that owning some form of life insurance for their entire lives can provide them with added protection and flexibility as they prepare for life s possibilities. This is typically done with permanent insurance. Many people find their objectives are best met with a combination of term and permanent insurance. CIRCLE YOUR PREFERENCE 1. The idea of leaving an inheritance is important to me either for my family or a charitable organization. I would want to do this in an efficient manner. 2. In the future my adult children and/or parents may rely on me for financial support. I want to make sure my life insurance policy is there if they need it. 3. I would prefer the least expensive type of life insurance, even though my benefits may expire at some point in the future. 4. I only want life insurance for a limited period of time (e.g., until my mortgage is paid, children finish college, or other financial obligations are met). 5. If I die prior to my spouse during retirement, I want to ensure he or she receives a life insurance death benefit. 6. If I were to die during my working years, I would want my family to receive a life insurance benefit that would replace my income. 7. Regardless of how long I may live, it s important for me to have my life insurance in place when I die. 8. I don t want to commit to permanent insurance today, however I d like to have the right to convert term coverage into permanent coverage in the future should my situation change without having to undergo additional medical screening.

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