Building Financial Freedom The GrandProtect Advantage MetLife Auto & Home

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1 The MetLife Auto & Home Advantage 1 Offered by MetLife Bank, NA, an FDIC-insured bank 2 Offered by MetLife Securities, Inc., One Madison Avenue, New York, NY Looking back, everything appeared simpler! One automobile, maybe a home... but times change, assets accumulate, and before you know it, your insurance needs take on a complexity that rivals your financial investment portfolio. Welcome to GrandProtect, exclusively from MetLife Auto & Home. One policy package and one bill that take care of virtually all your insurance protection needs... and more! GrandProtect is designed to safeguard those families with complex insurance needs and the requirement for comprehensive insurance protection, backed by a trusted, financially-sound company that sees service as one of its core values. Building Financial Freedom The blueprint for financial security calls for a solid foundation of quality insurance coverage and sound financial planning. If either of these elements is missing, your financial program to achieve your life s goals may be jeopardized. At MetLife, we offer the tools and solutions necessary to insure your family s financial future and help you reach your long-term goals. MetLife and its affiliates offer a full range of valuable financial products and services, including: Life insurance Estate planning Annuities m Mutual funds2 Disability income Long-term care insurance Banking1 MPL (0305) MetLife Auto & Home L0410CW8G(exp1008)MPC-LD PEANUTS United Feature Syndicate, Inc. One Company. One Policy Package. One Bill. One Deductible. Unparalleled Protection. The GrandProtect Advantage MetLife Auto & Home 700 Quaker Lane PO Box 350 Warwick, RI MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan General Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan Group Property and Casualty Insurance Company, Economy Premier Assurance Company, Economy Preferred Insurance Company, Economy Fire and Casualty Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. In some instances, policies are provided by Liberty County Mutual

2 Insurance Company. Coverage, rates, and discounts are available in most states to those who qualify. This brochure does not constitute part of the insurance policy or binder of insurance and should not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this brochure, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details. If you have any questions about coverage provided, or any exclusions or limitations, please call your MetLife Auto & Home representative. MetLife Auto & Home is a wholly-owned subsidiary of MetLife, Inc. (NYSE: MET), one of the world's leading insurance and financial services companies. In August 2004,MetLife Auto & Home earned an A (Excellent) rating from A.M. Best, the insurance industry s leading authoritative analyst. Get To Us Online To learn more about how you can benefit from MetLife Auto & Home s products and services, contact us, your local MetLife Auto & Home representative. You can also access your policy, billing, and claim information online. Contact Us Today! Take the next step towards financial security for your family today. Simply contact us, your MetLife Auto & Home representative. A knowledgeable professional is ready to put your mind at ease by helping you obtain the coverage you need. Don t Worry. We ll Replace It! GrandProtect provides replacement cost coverage on your auto1, home, and most possessions, which means they will be repaired or replaced without any deduction for depreciation. With our Coverage A Plus plan, the maximum coverage equals the replacement cost at the time a claim is made. There is no cap! The amount of insurance for the house always meets the current cost to rebuild. No Concerns On Limits Our Blanket Property Limit (BPL), equivalent to the sum of coverages we provide for your dwelling, private structures, and personal property, is available for losses. This reduces many of the concerns about coverage limits that are used on more traditional homeowner policies. GrandProtect also expands your protection through its comprehensive perils feature, which says that if a loss is not specifically excluded in the policy, then it is covered.

3 Our Service Pledge Excellent Claim Service 24/7 Live! Claim Service at Who knows when an accident will happen... or where you ll be if it does. If you need to file a claim or have a question regarding coverage for an occurrence, you can call our Claim department toll free any time of day or night from anywhere in the country and a caring, knowledgeable professional will assist you. 1Within the first year of purchase or first 15,000 miles, whichever comes first. Does not apply to leased vehicles, substitute automobiles, and non-owned automobiles. See policy for exact details. 2 DSB is not available in MA, NC, or NY. One Company, One Policy Package With GrandProtect, the insurance process is simplified because you have just one company, one policy package and pay just one premium to cover everything, including: Homes (primary and secondary homes, condos, property leased by you, investment property you rent to others) Vehicles (including autos, motorcycles, motorhomes, camper trailers, snowmobiles, and other recreational vehicles) Personal property (including especially valuable property such as heirlooms, high-valued jewelry, collections, etc.) Boats (sailboats, powerboats, and other watercraft) Liability Insurance And since you are served by just one company and one MetLife Auto & Home representative, your: questions and concerns are addressed faster, insurance coverages can be easily coordinated, and policy details are consolidated for you in one easy-to-read coverage summary. One Bill All your personal insurance coverages are paid for under one billing statement, with the flexibility of payment choices. One Company. One Policy Package. One Bill. One Deductible. Unparalleled Protection.

4 The GrandProtect Advantage Unparalleled Protection A Powerful Combination GrandProtect travels with you. You enjoy worldwide liability protection (automobile and personal) and global coverage for your tangible personal property (we recommend verifying insurance regulations of any country to which you are traveling). And while other policies stop at providing third-party excess liability coverage, our Personal Excess Liability Policy offers the option to buy first-party excess Uninsured/ Underinsured Motorists coverage for bodily injury to cover you and your passengers. (Some unique features not commonly found in other insurance policies) Coverage/Policy Feature GrandProtect Your Current Policy Excellent Claims Service One Policy Package to protect all your personal exposures One Bill for all your personal coverages One Deductible for any one loss, even if multiple coverages are involved Replacement Cost for Total Losses - Auto 1 Worldwide Auto Liability Coverage Blanket Property Limit one incredible coverage limit for most losses Extensive Coverage if a loss is not specifically excluded, then it is covered A Trusted and Stable Partner in MetLife 1 Within the first year of purchase or first 15,000 miles, whichever comes first. Does not apply to leased vehicles, substitute automobiles, and non-owned automobiles. See policy for exact details.

5 One Deductible With GrandProtect, you pay only one deductible for any one loss even if more than one type of property is damaged. If you had separate policies for each coverage, you would typically pay separate deductibles. The Credit You Deserve GrandProtect offers moneysaving credits that can lower your premium when you take steps to improve safety, such as: Installing home protection devices (for example, smoke detectors, deadbolt locks, and a centralized alarm system) Installing automobile protection devices (for example, anti-lock brakes, an anti-theft system, airbags, and passive restraints) Completing a defensive driving course or driver improvement course (not available in all states) Credits are also given for: Mature Driver Multiple auto ownership Deductible Savings Benefit (DSB2): For every claim-free year, you could earn $50 toward your deductible up to $250 Auto Policy Plus: Receive additional savings if you insure your qualifying life or annuity product with an approved MetLife company Excellent Customer Service Our insurance professionals are prepared to provide you with the utmost service and care, answer all your questions, and help you obtain the optimum protection that fits your needs. Ultimately, you'll have a customized insurance program designed to match your specific goals and budget. Assess The GrandProtect Difference