METLIFE EMPLOYEE BENEFITS PROVIDING CERTAINTY FOR EMPLOYEES

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1 METLIFE EMPLOYEE BENEFITS PROVIDING CERTAINTY FOR EMPLOYEES

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3 3 IN AN UNCERTAIN ECONOMIC ENVIRONMENT, PROVIDING CERTAINTY FOR EMPLOYEES IS ESSENTIAL Employees are an organisation s most valuable asset. And in uncertain times, retaining the best employees is more important than ever. When looking to protect their employees, and businesses, from unexpected events, it s reassuring for employers to work with a name that has both financial strength and a commitment to finding the solution that suits them best. With MetLife, they can be certain their employees are in the safest hands possible. Our history, reach and commitment to eliminating uncertainty, as well as our award-winning service, help deliver the financial protection employers and employees need and deserve. MetLife, Inc. at a glance Number one Employee Benefits provider in the US, covering nearly 40 million employees and their dependants Operating in over 60 countries Number one life insurer in the US Leading market positions in Japan, Latin America, Asia Pacific, Europe and the Middle East 66,300 worldwide employees 90 million customers Ranked 83rd in the 2011 Forbes Global 2000 Provides financial products and services to over 90 of the top 100 Fortune 500 companies and over 70% of all Fortune 500 companies Recently chosen as one of Morgan Stanley s Top 25 Leading Global Growth Picks (one of only five financial companies in the top 25). MetLife Europe Limited at a glance Retirement, savings and protection businesses across the UK as well as businesses in Dublin A+ rating for MetLife Europe Limited by Standard & Poor s B+ rating for MetLife Europe Limited by AKG Actuaries & Consultants Ltd.

4 4 BUILDING A REPUTATION THAT SPANS THE GLOBE Our story so far 1868 Metropolitan Life Insurance Company founded in New York 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 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 the Indian market. In response to the 9/11 attacks, claims are paid immediately, awarding grants and investing over $1billion in publicly traded stocks 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.

5 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 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 A presence is established in Korea and Taiwan The international division employs nearly 9,000 associates, helping meet the needs of more than 2.9 million people around the world The ninth international operation opens in Hong Kong International operations (excluding Canada) surpass $1 billion in sales MetLife Europe Limited opens for business MetLife Europe Limited launches the first unit-linked guarantee products in the UK MetLife Europe Limited launches two unit-linked guarantee bonds MetLife, Inc. acquires Alico to become the world s premier global life insurance company MetLife Europe Limited signs 10 year 100m contract with Capita Group. MetLife Europe Limited wins the Financial Adviser Company of the Year award. MetLife Europe Limited takes over the 50th Floor of One Canada Square, Canary Wharf.

6 6 BUILDING TRUST A GLOBAL POWERHOUSE Overseas, MetLife, Inc. has been helping people since With millions of customers already benefiting from our expertise across America and Asia Pacific, MetLife entered into the European market in 2007, bringing a unique brand of strength, security and stability to the UK. MetLife Europe Limited is an affiliate of MetLife, Inc. Thanks to our high quality, diversified portfolio and our cautious, forward-focused investment management programme, we are able to weather market fluctuations and remain strong in uncertain times. In 2010, MetLife, Inc. acquired Alico and overnight became one of the world s largest global life insurers, with a stronghold of 90 million customers in more than 60 countries worldwide. So you can rely on our financial strength and global stability. And with a market value of $35.79 billion* we re a force to be reckoned with. Market cap ($ billion)* MetLife, Inc Aegon Aviva Plc Legal & General Group 9.86 Unum Group 6.44 Zurich Financial Services *Source: figures correct as at 11 November 2011.

7 7 90 MILLION METLIFE CUSTOMERS #1 Insurer in Russia #6 Insurer in Poland #1 Life Insurer in US #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 #2 Insurer in Brazil #1 Insurer in Chile Source: All ranking information is based on Axco life insurance reports and premium data for 2009 with the exception of Japan which is based on Axco 2008 data. Brazil ranking is based on Superintendência de Seguros Privados (SUSEP) data for All external information has been supplemented with MetLife and Alico internal data.

8 8 WE RE HERE TO HELP COMMITTED TO BUILDING SERVICE EXCELLENCE As well as providing a very competitive range of products, including employee benefits, long-term savings and retirement, we strive to ensure that we offer the best possible service at all times. Extremely helpful and efficient, I like dealing with the same person and have done so for several years. Thanks to our strength and size, we can offer teams who are locally based. Expert and highly committed, our teams are able to: Work closely with you Get to know and understand your business and its needs, whatever its size Continually assess and evaluate the service we provide Have a clear understanding of your local market realities Provide solutions for any size organisation, from small to medium businesses (SMEs), as well as large corporates.. 85% of our clients renew with us year after year 7.3 year average scheme length, renewing every two years 100% satisfaction on claims handling over the last year (as at October 2011) Awarded Company of the Year at the Financial Adviser Service Awards 2010 Awarded 5 Star for Life & Pensions and Investments at the Financial Adviser Service Awards 2011.

9 9 BUILDING ON OUR SUCCESS FOUR YEARS OF AWARD-WINNING ACHIEVEMENTS We are proud to be recognised for all our achievements over the years. Here are the industry awards we ve had the honour of winning Simply Biz 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 Financial Adviser Service Awards 5 Star Award for Life & Pensions 5 Star Award for Investments 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 Design 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 for Income for Life Money Marketing Awards Runner up Business Campaign of the Year 2008 Hallmark of Innovation Financial Innovation Awards Winner Retirement Portfolio Financial Adviser Service Awards 4 Star Award

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11 11 COMMITTED TO BUILDING CERTAINTY IN THE WORKPLACE At MetLife we re renowned for helping our customers enjoy more certainty. And with our employee benefits, employers can provide that peace of mind to their employees and their families that if something should happen, they will be taken care of. Employee benefits also ensure that: Employers can show they value their employees Employee benefits is one of the fundamental ways in which employers can demonstrate that they value employees and recognise their duty of care. Employers can attract good quality staff Organisations that offer employee benefits can be competitive in recruiting and hiring the best-qualified individuals. Potential employees often ask about benefits such as life insurance before they are hired, so that they can compare offers from different employers. Employers can help raise employee retention Employers in the UK place the highest priority on employee retention*. Offering employee benefits can help drive employee satisfaction. Employers can offer a good remuneration scheme Employees know that if they were to seek the same coverage through an individual policy, they would most likely have to pay much more, and so the value to them is greater than the individual cost to the employer. Employees feel valued and secure By offering employee benefits, employers can promote a good relationship between the organisation and its staff, showing employees that their work and their families are valued. *Source: 9th Annual Employee Benefits Trends Study, MetLife, 2011.

12 12 BUILDING EMPLOYEE BENEFITS SO EMPLOYEES AND EMPLOYERS ARE WELL AND TRULY PROTECTED MetLife, Inc. is one of the world s largest global life insurers and has amongst its affiliates the largest Employee Benefits provider in the US, covering nearly 40 million employees and their dependants. With a stronghold of 90 million customers in more than 60 countries worldwide, your clients can rely on our financial strength and global stability. MetLife Europe Limited, which provides the Group Life and Group Personal Accident cover, is an affiliate of MetLife, Inc. Group Life Cover Providing essential financial protection in the event of an employee s death. An employer can choose varying levels of cover for different categories of employees, either a multiple of salary or a fixed amount per employee. Group Personal Accident Providing valuable financial protection for employees following accidental injury. We want to provide cost-effective and comprehensive employee benefits as well as delivering exceptional, award-winning service. So we offer products that give real security including:

13 13 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 Lloyd Chambers 1 Portsoken Street London E1 8BN Tel: +44 (0)

14 14 BUILDING A RELATIONSHIP HOW WE WORK We want to make working with us as easy as possible. We re committed to working closely with you to help establish exactly what you need in terms of employee benefits solutions. Gives all I need as an IFA. Excellent support from Account Manager and Customer Service team. To find out more For Independent Financial Advisers and Employee Benefits Consultants: Talk to your Employee Benefits Sales Consultant, call us on or visit For customers: Talk to your IFA or Employee Benefits Consultant And thanks to our team of Regional Sales Consultants, and our UK Operations Hub, we re able to offer a more personal service 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 received the prestigious Company of the Year title in the Financial Adviser Service Awards 2010.

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16 For Independent Financial Advisers and Employee Benefits Consultants: Talk to your Employee Benefits Sales Consultant, call us on or visit For customers: Talk to your IFA or Employee Benefits Consultant 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 Services Authority. Details about the extent of our regulation by the Financial Services 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 JAN /1/ 0112EB