Lifelong Income from MetLife

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1 corporate benefit funding U.S. RETIREMENT SOLUTIONS SM Lifelong Income from MetLife Institutional Income Annuities > METLIFE CAN HELP TURN YOUR ORGANIZATION S SAVINGS PLAN INTO A RETIREMENT PLAN

2 Lifelong Income from MetLife > CBF > Institutional Income Annuities > WHY METLIFE? For over 140 years, MetLife has been one of the country s most trusted financial institutions. In 1921, Metropolitan Life Insurance Company was the first company to issue a group annuity contract. Our group life and group annuity contracts are principally issued through Metropolitan Life Insurance Company and MetLife Insurance Company of Connecticut, both operating companies of The MetLife enterprise serves 90 of the top 100 FORTUNE 500 -ranked companies and has over $501 billion in total assets and over $477 billion in liabilities. 3 The operating companies, Metropolitan Life Insurance Company and MetLife Insurance Company of Connecticut, have over $359 billion in total assets and over $342 billion in liabilities supporting the group annuity and insurance business. 4 The top MetLife, Inc. Today, these operating credit rating agencies have repeatedly companies manage over $62 billion of recognized us for our financial strength group annuity assets, 1 lead the market 2 and our ability to build capital. 5 with over $36 billion of transferred We help our customers meet business, pension liabilities 1 and provide benefits and financial objectives guaranteed income payments to over through pension risk management and 600,000 individuals every month. 1 retirement income solutions.

3 In the last 30 to 40 years the retirement plan landscape has changed dramatically. It has evolved from one where Defined Benefit and supplemental thrift savings plans were the norm in the workplace to today where 401(k) plans are by far the most popular employer sponsored retirement plan. Their relative low cost, participant control and access to market returns are some of the factors that have contributed to their popularity. However, they are missing a critical component their retirement plan predecessors contained access to a source of guaranteed lifetime income. MetLife can help you turn your current plan into a true retirement plan by offering your employees guaranteed lifelong income. We have the experience and expertise to help you select the option that works best for your organization and the tools and support to help your employees make the best decisions for themselves and their families. As of 2005, there were approximately $7.4 trillion dollars invested in IRAs and employer-sponsored defined contribution plans, AND THIS FIGURE IS EXPECTED ONLY TO GROW OVER THE COMING YEARS. This number FAR EXCEEDS the $1.9 trillion contained in employer-sponsored defined benefit plans. Millions of retirees will face the problem of translating their accumulated assets into retirement income. 6

4 Lifelong Income from MetLife ȘM an array of income annuity products and services, can help you complete your retirement plan. We are ready to work with you to craft a solution that can help you help your employees plan and save more effectively so they can live a better life in retirement. Lifelong Income from MetLife SM Is: Affordable > Can lower the costs associated with employee benefits and adds value at little or no cost to your company Easy > Products and programs that are understandable and can be easy to implement Complementary > Can enhance an existing defined benefit or defined contribution program Competitive > Can improve employee retention and help recruitment Flexible > Customized communication plan to fit your needs and to educate your employees about the importance of retirement income solutions There are several ways a MetLife annuity can help your employees complete their retirement income objectives. The four main options are: > As a distribution option within a defined contribution plan > As a funding option within a 401(k) plan > As a way of fulfilling non-qualified executive benefit obligations > As an IRA rollover Offer Your Employees the Guarantees They Want After years of contributing to their company-sponsored retirement plan, employees approaching retirement face an overwhelming challenge how to make their savings last throughout retirement. One way to help is by offering an annuity as a plan distribution option. Only an annuity can guarantee a level of income that retirees cannot outlive. CBF > Institutional Income Annuities 7 simple steps to ADDING A METLIFE ANNUITY TO YOUR PLAN AS A DISTRIBUTION OPTION: 1 > Select the provider 2 > Amend the plan 3 > Notify plan participants and beneficiaries 4 > Modify the SPD 5 > Modify Election Benefit Form 6 > Establish procedures for administration 7 > 5500 filing 7 steps

5 Provide More Security within Your 401(k) With an annuity as an investment choice within their 401(k) plan, participants can invest a portion of their deferral in an option specifically designed to provide guaranteed retirement income. Steady allocations to the annuity over time help eliminate the risk of buying when interest rates are low. And because it is part of the 401(k) plan, their contributions are made with pre-tax dollars. A Valuable Executive Retention Tool Supplemental Executive Retirement Plans (SERPs), Non-Qualified Deferred Compensation (NQDC) Plans and Executive Bonus (Sec. 162) Plans are common approaches to attracting and retaining key executives. MetLife s Executive Income Program is a portfolio of fixed and variable income annuities that addresses corporate and executive needs, balancing benefit security with financial objectives. In general, our annuities satisfy your benefit obligation, meet financial and longevity risks and, depending upon how the Executive Income Program is structured, could protect the benefits from future risk. Lifelong Income from MetLife is an affordable way to address the unique challenges posed by non-qualified executive plans and retain the talent that is vital to your organization s success. Offer Your Employees the Convenience of Combining Retirement Savings into One Plan Not all retiring employees are ready to convert their savings into an income stream immediately. An IRA rollover annuity from MetLife provides them with an option containing features and benefits not found in typical rollover vehicles. A MetLife representative can discuss each of these options in greater detail and will work with you to design a solution that best fits your needs and objectives.

6 CBF > Institutional Income Annuities Tools that Help Make Managing Benefits Easy MetLife is an industry leader in bringing our clients award-winning, customized services. 7 We can provide you with an array of services, decision support tools and guidance to help your employees reach their retirement goals. MetLife is ready to work with you to help craft a solution that can meet both your company s needs as well as those of the employees. Communications Plans to Fit Your Organization MetLife s comprehensive communications plan is designed to educate your employees about retirement risks, the importance of creating lifelong income and how our products can address their retirement income needs. Each step contains a variety of communications and educational tools designed to articulate the strengths of your benefits program and to explain how employees can live better lives in retirement. Since MetLife s Lifelong Income Program is flexible, we will work with you to determine the approach that best meets the needs of your company and employees. Personal Service Is Just a Phone Call Away Income Specialists at our Retirement Income Center are skilled personal consultants. These knowledgeable specialists work hard to understand the unique retirement income needs of each employee and to find the best solution. MetLife Income Specialists provide a variety of services, including: > Conducting a personalized retirement income needs analysis > providing real-time quotes and education on product and investment suitability based on each situation > Evaluating which income payout option best suits an individual s retirement needs One-stop Online Resources At MetLife s employee benefits web site, MyBenefits, your employees can: > Use the interactive planning tools available, such as our Life Expectancy Calculator > View educational materials to learn more about MetLife products > Get real-time lifelong income annuity quotes Also, with a few clicks of the mouse, your employees can view general account information, access downloadable forms, or a MetLife Income Specialist to schedule an income planning session. MetLife s employer online resource, MetLink, provides you access to QuoteExpress, an easy-to-use online tool that delivers the functionality you need to quote MetLife income annuities for your employees. QuoteExpress is easy, fast and accurate and puts the information you need at your fingertips. Benefit from MetLife s Leadership in Retirement Income Solutions Put Guaranteed Lifelong Income from MetLife to work for you. When you choose MetLife, you choose a leader in employee benefits. With over 140 years of experience, we have been helping businesses and their employees reach their retirement goals. MetLife is a founding member of the Retirement Income Industry Association and is viewed as a thought leader on retirement issues by key policymakers in Washington, D.C. The MetLife Difference MetLife has a well-earned reputation as a mar ket leader: > Is the #1 Institutional Income Annuity provider 2 > Rating agencies Moody s, Fitch, A.M. Best Co. and Standard & Poor s consistently award MetLife high ratings in financial strength and claims-paying ability 5

7 Lifelong Income from MetLife, an array of income annuity products and services, can help you meet your pension benefit obligations or give your employees the option of guaranteed lifelong income.

8 Most insurance policies and annuity contracts contain exclusions, limitations, reduction of benefits, surrender charges and terms for keeping them in force. Your representative can provide you with costs and complete details. Life insurance and annuities are offered Metropolitan Life Insurance Company, 200 Park Ave., New York, NY 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 brochure supports the promotion and marketing of MetLife s annuity products. You should seek advice based on your particular circumstances from an independent tax advisor. Lifelong Income is not a tax-qualified nor ERISA-covered retirement arrangement (unless offered as an in-plan option). Group annuity contracts are issued through Metropolitan Life Insurance Company and MetLife Insurance Company of Connecticut. Like most group annuity contracts, MetLife group annuities contain certain limitations, exclusions and terms for keeping them in force. Ask a MetLife representative for costs and complete details. Metropolitan Life Insurance Company 200 Park Avenue, New York, NY L (exp0910)(All States)(DC) 2009 METLIFE, INC. PEANUTS United Feature Syndicate, Inc. Institutional Investor Use Only 1 As of December 31, LIMRA Terminal Funding and Single Premium Buyouts Survey Fourth Quarter MetLife, Inc. as of December 31, Total assets include general account and separate account assets and are reported under accounting principles generally accepted in the United States of America. 4 Metropolitan Life Insurance Company and MetLife Insurance Company of Connecticut as of December 31, Total assets include general account and separate account assets and are reported on a statutory basis. 5 For current ratings information and a more complete analysis of the financial strength of MLIC, please go to and click on About MetLife, Ratings. 6 Financial Engines, The Longevity Annuity: An Annuity For Everyone? Certified Center of Excellence, Purdue University, 2005, 2006 and FORTUNE 500, April FORTU NE 500 is a registered trademark of FORTUNE Magazine, a division of Time, Inc.

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