Vehicle repossession enrollment Vacation policy Vehicle disposal (sell or trade-in) Vehicle financing - including financing with balloon payments Personal insurance Coverage for theft or vandalism of your vehicle Vehicle insurance Home insurance (contents) Medical payments Emergency assistance benefits Optional health insurance Identity theft protection - optional Travel insurance Legal assistance (required) Additional features and options Underwriting, service costs and terms, fees and premiums, other charges and payment terms for all items, policies and services vary by state and coverage and rates are not available in all states. All coverages are subject to terms, conditions, restrictions, and limitations. Offers not available in all states. Ask your agent for details. Founded in 1912 and headquartered in Northbrook, Illinois, MetLife, Inc. (MetLife) is one of the largest life insurance companies in the United States. MetLife is a Fortune 500 company traded on the New York Stock Exchange. MetLife provides group and individual life, health and retirement solutions to corporations, government entities, institutions and advisors. With over $1.5 trillion of life insurance protection in force, MetLife is one of the largest property and casualty insurance companies in the United States. The company offers commercial clients products including business insurance, surety bonds, personal insurance, and retirement products, and is a leading provider of disability income protection in the U.S. MetLife is a leading provider of retirement products in the United States, offering more than 350 plans for public and private sector employees, including 401(k) and 457(b) plans, corporate retirement plans and savings plans. The company also offers disability income protection through its Disability Solutions, Inc. subsidiary. MetLife, Inc. and affiliated companies are a member of MetLife Insurance Company Group. The company is domiciled in New York and does not have any offices in Florida. MetLife conducts business in a number of states and does not accept applications for insurance in Florida. To find out if you are eligible for insurance, contact our office at 1-800-247-4282. This material is not authorized for use by or in connection with any person or entity who is not licensed or legally authorized to use it. No statement in this material should be construed as a recommendation to buy or sell a particular security or to engage in a securities transaction. For your own information and for specific guidance on your broker/dealer, underwriter, insurer or bank, you should contact qualified professionals. This is not a prospectus for an investment or a guarantee of the investment results. Past performance is not an indication of future performance. For more information about MetLife products, MetLife will arrange to send you a free copy of your MetLife Individual Annuity Disclosure Document (the "Individual Annuity Disclosure Document"). You may be asked to agree to receive any subsequent sales information and material updates or amendments to the information contained in this material by email, mail or telephone. This material does not take into account any client's particular investment objectives, financial situation or needs. It is based on information and assumptions deemed reliable at the time of writing. However, because investments are subject to risk, there is no guarantee that these objectives, financial situation or needs will be met. This statement is for guidance only and does not purport to be a complete description of each MetLife product, nor a summary of the benefits described. MetLife does not give any form of investment advice. If the product is a collective trust product, it will not be marketed under the name of the trustee. Each client must make its own independent judgment about the specific selection of the investment product or service. The Insurance Departments of the State of Florida, Commonwealth of Kentucky, Massachusetts, New Hampshire and Pennsylvania accept applications from anyone anywhere in the United States. All insurance companies are required to file financial responsibility reports with your state department of insurance as a condition of doing business. Underwriting, service costs and terms, fees and premiums, other charges and payment terms for all items, policies and services vary by state and coverage and rates are not available in all states. The insurance offered by MetLife is available only in the states where MetLife is licensed to do business. Life Insurance You should carefully consider the interest rate used in your MetLife life insurance policy. There are various factors that could affect the rates used, including (i) the time you have the policy, (ii) any changes in interest rates, and (iii) the type of policy you are offered. These rates are set as of the issue date. Your payment options Your MetLife payment options for your life insurance policy are determined by your individual plan design. These are set as of the issue date. A change in the amounts charged or in the method of payment to any one of your payment options might be made at any time. If you would like to learn more about our insurance products, the features of each type of policy, and the costs associated with each, please contact your MetLife Agent at 800-247-4282 or the phone number located on your policy documents. You will receive a free copy of your MetLife Individual Annuity Disclosure Document (the "Individual Annuity Disclosure Document") within 10 business days of receipt of your request. The Individual Annuity Disclosure Document provides details on each MetLife insurance policy we offer. The Individual Annuity Disclosure Document will explain whether you must choose between a certain level of cash value accumulation or a minimum death benefit. It also discusses charges and any benefits. A separate booklet (disclosing the contract terms and conditions) will be sent to you. Under certain conditions, you may change the face amount of your MetLife life insurance policy by making a written request within 30 days after the policy anniversary month that follows the policy anniversary month in which your death occurred, to one of your MetLife agents. In the event you wish to change the face amount, you must sign and date the request for change of face amount and return it to your MetLife agent with all documentation required to support your change. Failure to complete this process could cause your request to be rejected. We require proof of your identity, change of ownership, change of address and written notice. If you cancel any coverage within the first 12 months, the premium will be returned, less any non-refundable fees. The amount you wish to change will be subject to available policy cash values and other features such as the date and age of issue, whether it is a life, term, universal, or variable product and the policy’s current premiums. Any changes requested during the first two years of the contract will apply to your new insurance only. Any changes requested within the first year will be applied to your existing life insurance policy. After the first year, no changes can be made to an existing policy. We may not be able to make the change you request. The cost of your insurance policy and related services are based upon numerous factors and will vary depending upon your age, state of health, and the time remaining until your next premium due date. It is important to review these factors carefully in deciding on the amount of life insurance that you need. The information on this Web page is designed to provide a general overview and description of the MetLife products, policies and other services. The availability of these plans, products, and services is subject to change. Inclusion of any plan, product or service does not guarantee that it will be available for purchase or sale. Please contact your MetLife agent for a more complete product description. This material does not take into account any client's particular investment objectives, financial situation or needs. It is based on information and assumptions deemed reliable at the time of writing. However, because investments are subject to risk, there is no guarantee that these objectives, financial situation or needs will be met. MetLife does not give any form of investment advice. Any decision by the client to invest in a MetLife policy or products should be based solely on his or her evaluation of the information contained in the