Building peace of mind
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- Gabriella Chandler
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1 Building peace of mind 1
2 Building certainty In today s uncertain world, this is how we ll help you build your own little bit of certainty We ve been providing you with certainty in the UK since 2007 and are committed to offering solutions that suit you best. With MetLife, you can be certain that your future is in the safest hands possible. Our history, reach and devotion to eliminating uncertainty, help give your money the best possible chance to grow. The MetLife Group at a glance Operating in nearly 50 countries. Leading market positions in the United States, Japan, Latin America, Asia Pacific, Europe and the Middle East. 65,000 worldwide employees. Provides financial products and services to 91 of the top 100 Fortune 500 companies. Ranked 40 in the 2013 Fortune 500. Clients include more than 80% of all Fortune 500 companies. Ranked 2nd in Fortune s 2014 World s most admired companies among life and health insurers. 2
3 MetLife Europe Limited at a glance Retirement and savings businesses. B+ rating for MetLife Europe Limited by AKG Actuaries and Consultants Ltd. A+ rating for MetLife Europe Limited by Standard & Poor s staff in the UK alone. * AKG rating affirmed January
4 Building a reputation that spans the globe Our story so far 1868 Metropolitan Life Insurance Company founded in New York Despite a depression, Metropolitan Life s strength means it can issue 12,242 insurance policies worth $17.7 million At year-end, Metropolitan Life s assets reach $8.5 million Becomes the first-ever company to establish wholly owned housing projects on a grand scale, by providing housing for over 34,000 families The famous MetLife building (200 Park Avenue) in New York City is acquired A presence is established in Korea The international division employs nearly 9,000 associates, helping meet the needs of more than 2.9 million people around the world Through the acquisition of Aseguradora Hidalgo, S.A. MetLife becomes the largest life insurer in Mexico Announces the launch of a joint venture in Beijing, China MetLife acquires Travelers Life & Annuity and all of Citigroup s international insurance business, strengthening its leadership in life insurance and annuities MetLife Europe Limited opens for business MetLife Europe Limited launches its Retirement Portfolio. 200 MetL laun guar
5 1909 Metropolitan Life becomes the largest life insurance company in the world, with $2 billion of insurance in force Metropolitan Life Insurance headquarters turned into a support centre for Titanic survivors, and pays the first death benefit for a Titanic passenger Metropolitan Life collaborates with the National Tuberculosis Association to set up a research model that will later help reduce the disease Metropolitan Life boasts about 28.6 million US and Canadian policyholders, with 48,000 employees The ninth international operation opens in Hong Kong International operations (excluding Canada) surpass $1 billion in sales A presence is established in the Indian market. In response to the 9/11 attacks, claims are paid immediately, awarding grants and investing over $1billion in publicly traded stocks. 9 ife Europe Limited ches two unit-linked antee bonds MetLife, Inc. acquires Alico to become the world s premier global life insurance company. MetLife Europe Limited wins the Financial Adviser Company of the Year award MetLife Europe Limited signs 10 year 100 million contract with Capita Group. MetLife Europe Services Limited takes over the 50th Floor of One Canada Square, Canary Wharf MetLife Europe Limited launches its innovative range of Managed Wealth Portfolios MetLife Europe Limited collaborates with leading pensions expert, Dr Ros Altmann CBE. MetLife Europe Limited reaches 4.5 billion assets under management. 5
6 Building a global powerhouse The MetLife Group has been helping people plan for their future since Millions of customers already benefit from our expertise across the globe. We live in uncertain times. But thanks to our high quality, diversified portfolio and our cautious, forward-focused investment management programme, we weathered the economic crisis and emerged strongly. In 2010, MetLife, Inc. acquired Alico and overnight became one of the world s largest global life insurers. And with a market value over $56.54* billion we re a force to be reckoned with. How does MetLife, Inc compare? Company Aegon 473 Aviva Plc Legal & General MetLife, Inc Standard Life Zurich Insurance Group Assets ($bn) Source: Forbes - Global 2000 leading companies, values calculated May *Source: figures correct as at 17th February 2014 #3 Insurer in Russia #9 Insurer in Poland #1 Insurer in U.S. #2 Foreign Insurer in Japan More Significant in Europe #1 Insurer in Mexico Leading Insurer in the Middle East Growing Presence in India and China #11 Insurer in Brazil #1 Insurer in Chile #1 Insurer in Argentina 6 Source: Axco Global Statistics 2012
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8 Building peace of mind Committed to eliminating uncertainty Since entering the UK market in 2007, MetLife Europe Limited has been focused on bringing you a genuine alternative to all the other retirement and investment solutions out there. This means providing innovative, award-winning products for changing generations - as well as delivering exceptional, award-winning service. And crucially, there s our range of ground-breaking products, protecting your investment against life s many unknowns. No other insurer offers what we do. We know you want to protect your investment against a fluctuating market - but we also know you don t want to sacrifice growth. So we offer a unique range of products that give you real growth potential, plus security for your money. We also offer a range of group protection products. Leading provider of retirement alternatives 8 With an ageing population, state pension provision changes, the demise of the defined benefits pension and the recent budget reform announcement, the retirement landscape in the UK is facing fundamental changes. By developing a deep understanding of the needs of future generations, we can develop solutions that work where the rules surrounding retirement planning are being redrawn. That is why over the last few years we have developed a number of in-depth reports with leading market experts: Redefining the retirement market written by Malcolm Kerr, Director at Ernst & Young Unit-Linked Guarantees - Managing Risk in Retirement written by Nigel Balchin, Managing Director AKG Actuaries & Consultants Ltd Planning for retirement - A Special Retirement Report by Dr Ros Altmann CBE 10 Years to Save Your Retirement - A Special Report produced by MetLife with Foreword by Lord Hunt of Wirral Engaging Clients in a New Way - Putting the Findings of Behavioural Finance Strategies to Work written by Joseph W. Jordan, Senior Vice President, MetLife. Engage and Commit - Four proposals to improve UK savings and retirement U-Gen and You - New research and insights on the generation born between 1961 to 1981 Pensions: Time for change - A second collaboration with leading pensions expert, Dr Ros Altmann CBE Flexibility in retirement: Planning for change - A special report by Dr Ros Altmann CBE in partnership with MetLife We continue to lead the way in shaping the retirement market.
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10 Building on our success Award-winning achievements At MetLife Europe Limited we are proud to be recognised for all our achievements over the past three years. Here are the industry awards we ve had the honour of winning: 2008 Hallmark of Innovation Financial Innovation Awards Winner Retirement Portfolio Financial Adviser Service Awards 4 Star Award 2009 Financial Adviser Service Awards 4 Star Award MoneyFacts Awards Best Third Way Provider Highly commended Service beyond the call of duty Commended Innovation Award & Investment Bond Provider MoneyFacts 5 Star Award Income for Life Money Marketing Awards Runner-up Business Campaign of the Year 2010 Professional Adviser Awards Highly commended Best Third Way Provider Financial Adviser Life & Pension Awards Best Third Way Product Provider Financial Adviser Online Service Awards 4 Star Award MoneyFacts Life & Pensions Awards Best Third Way Provider Highly commended Service beyond the call of duty Commended Investment Bond Financial Adviser Service Awards Company of the Year Star Award for Life & Pensions World Financial Innovation Awards Innovation in Product Designs 2011 Financial Adviser Service Awards 5 Star Award for Life & Pensions & 5 Star Award for Investments SimplyBiz Group Partnership Marketing Campaign of the Year Financial Adviser Life & Pension Awards Third Way Provider of the Year Financial Adviser Online Service Awards 4 Star Award Investment Life & Pension Moneyfacts Awards Best Third Way Product Provider Financial Services Forum Awards for Marketing Effectiveness Integrated B2B Campaign MoneyFacts Best Third Way Provider MoneyFacts Commendation Innovation and Investment Bond 10
11 2012 Financial Adviser Online Service Awards 4 Star Award SimplyBiz Group Partnership SimplyBiz Best Member Meeting Award Financial Adviser Life & Pension Awards Third Way Annuity Provider of the Year MoneyFacts Best Third Way Product Provider MoneyFacts Commendation Innovation and Investment Bond Financial Adviser Service Awards Company of the Year Financial Adviser Online Service Awards 5 Star Award Financial Adviser Life & Pension Awards Third Way Annuity Provider of the Year Financial Adviser Life & Pension Awards 5 Star Award Financial Adviser Investment Awards 5 Star Award MoneyFacts Best Third Way Product Provider MoneyFacts Commendation - Investment Bond 11
12 Building your future How our retirement and savings products work Investing for growth At MetLife Europe Limited each of our investment products offer the option of built-in protection. Once you ve established the type of investment you want, it s then up to you to decide how much of it you want to protect and how you want the guarantee to work. Our guarantees will: Protect your initial investment Our products come with a range of guarantees, from 70% to 100%. So you can select the level of protection you feel comfortable with, while still benefiting from exposure to equities. Lock in any gains you make The stock market can be notoriously volatile. But with our guarantees, you can lock-in unlimited growth every year - ensuring that any gains you make are kept and that even if the markets take a dive, the value of your initial investment is protected. Make sure your loved ones are protected With our death benefit, you can make sure that your loved ones are protected against any sudden drop in the market. We offer a range of risk-rated portfolios which have been carefully selected and are reviewed on a daily basis to ensure your investment is not only secure, but has the potential to grow. MetLife Europe Limited provides a range of guaranteed investment and retirement solutions all of which are currently available with our MetLife Managed Wealth Portfolios. The funds in which the MetLife Managed Wealth Portfolios invest are managed by BlackRock, one of the world s leading providers of investment, advisory and risk management solutions. Additional peace of mind All our products are covered by the Financial Services Compensation Scheme (FSCS). This means, that if we cannot meet our obligations, you may be entitled to compensation. This would depend on your eligibility, the type of business and the circumstances of the claim. If you d like to find out more, you can contact the FSCS directly. Financial Services Compensation Scheme 7th Floor Lloyds Chambers Portsoken Street London E1 8BN Tel: +44 (0) enquiries@fscs.org.uk 12
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14 Building a relationship How we work We at MetLife Europe Limited want to make planning your future as easy as possible. We re committed to working closely with your financial adviser to help them to establish exactly what you need - from the length of your investment term and levels of income you want when you retire, to your attitude to risk. And thanks to our team of Regional Operations Managers, we re able to offer a more personal service to your financial adviser - so they can answer any questions, provide quotes and find the right solution for you, just when you need it. In fact advisers hold our service in such high regard that we were voted the prestigious Company of the Year title in the 2010 and 2012 Financial Adviser Service Awards. To find out more For Customers Contact your financial adviser for more information on any of MetLife s products. Find a Financial Adviser via unbiased.co.uk For Independent Financial Advisers Book an appointment with your representative Call Visit metlife.co.uk 14
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16 Want to find out more? Talk to your Financial Adviser or call us on You can also visit us at for more information. Products and services are offered by MetLife Europe Limited which is an affiliate of MetLife, Inc. and operates under the MetLife brand MetLife Europe Limited (trading as MetLife) is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Registered address: 20 on Hatch, Lower Hatch Street, Dublin 2, Ireland. Registration number UK branch address: One Canada Square, Canary Wharf, London E14 5AA. Branch registration number BR PNTS 16 WM l AUG 2014 l AUG 2014 G
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