Protect Your Income for Yourself the People

Protect Your Income for Yourself & the People Who Rely on You Disability Insurance Strategies for [Insert Professional Occupation] Presented by: Your Name

Be realistic Be proactive Be confident

Be Realistic

“I never thought it could happen to me. ” Met. Life Study of the Emotional and Financial Impact of Disability, March 2010

Be Proactive

“Make sure you have disability insurance through your job or buy it on your own. I did and it saved my life. ” Met. Life Study of the Emotional and Financial Impact of Disability, March 2010

Joe Age: 35 Married with kids Annual pay: $275, 000 Scenario is hypothetical only and does not depict the results of any actual disability income insurance policy. The provisions in an actual policy, including benefit amount and premium, depend on the individual circumstances.

$275, 000 Joe’s Disability Plan Working Income 60% Salary Benefit= $13, 750 Group Disability Insurance

$275, 000 Joe’s Disability Plan Working Income 60% Salary Benefit= $12, 500 $250, 000 Covered Income Group Disability Insurance - Incentive Pay

$275, 000 Joe’s Disability Plan Working Income 60% Salary Benefit= $10, 000 - Incentive Pay - Max Benefit $250, 000 Covered Income Group Disability Insurance

$275, 000 Joe’s Disability Plan Working Income 60% Salary Benefit= $7, 500 - Incentive Pay - Max Benefit - Taxes $250, 000 Covered Income Group Disability Insurance

$275, 000 Joe’s Disability Plan Working Income 60% Salary - Incentive Pay Benefit= $0 - Max Benefit - Taxes $0 Covered Income Group Disability Insurance - Ownership

$275, 000 Joe’s Disability Plan Working Income Benefit= $7, 500 Individual Benefit= $5, 000 $275, 000 Covered Income Group Disability Insurance + Personal Coverage Closer to Whole

Individual Disability Insurance

Meet Sarah Income: $112, 000 Noncancellable and Guaranteed Renewable Disability Insurance with a Residual Benefit Rider Monthly Benefit: $5, 000 Elimination Period: 90 days Benefit Period: To Age 70 Results may vary, based on your specific situation.

See how Sarah’s disability insurance policy protected her Disability strikes 90 days Eight months unable to work Waiting period ends Full tax-free monthly benefit paid Premiums waived Results may vary, based on your specific situation.

See how Sarah’s disability insurance policy protected her Disability strikes 90 days Eight months unable to work One month part time Waiting period ends Full tax-free monthly benefit paid Partial monthly benefit paid Premiums waived Back to work full time Benefits stop Results may vary, based on your specific situation.

See how Sarah’s disability insurance policy protected her Disability strikes 90 days Eight months unable to work One month part time Waiting period ends Full tax-free monthly benefit paid Partial monthly benefit paid Premiums waived Back to work full time Policy to age 70 Benefits stop Premiums resume Results may vary, based on your specific situation.

Disability Insurance Solutions Protect Yourself Replace a portion of your personal income: Individual Disability Insurance Help cover everyday expenses: Business Overhead Expense Insurance And Your Practice Buy out disabled co-owners: Buy-Sell Insurance Provide for disabled employees: Salary Continuation Plan

Finding the right plan for you.

Be Confident

hat if I have W t it but I don’ need it?

need hat if I have W t it but I don’ need it? have

Today Tomorrow When you need it most “If insurance is offered be wise and take it. You never know if or when you will ever need it, but it could mean the difference between surviving through a disability financially or not!” Met. Life Study of the Emotional and Financial Impact of Disability, March 2010

1. Assess your income needs. 2. Learn what your current plan truly provides. 3. Evaluate other funding sources. 4. Know what you’re looking for. 5. Choose an insurer you can rely on.

Met. Life Disability Insurance Non-cancellable and guaranteed renewable policies available Competitive rates + possible discounts High coverage limits Security and flexibility All from a company you know and trust Features vary by policy and state availability.

K N A H T ! U O Y Please fill out an evaluation form and take a Getting Started flyer.

Like most disability income insurance policies, Met. Life’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about costs and complete details. All policies and riders may not be available in all states, at all issue ages and to all occupational classes. Ask your representative for complete details. Eligibility is subject to underwriting approval. For policies issued in New York: These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that Met. Life expects to return as benefits when averaged over all people with the applicable policy. Disability income insurance is issued by Metropolitan Life Insurance Company on IDIP 12 -01 – IDIP 12 -08, IDI 2000 -P/NC-ML, IDI 2000 -P/GR, AH 5 -88, AH 6 -90, AH 7 -96 -CA and AH 8 -96 -CA. July 2013 Met. Life Metropolitan Life Insurance Company 200 Park Avenue New York, NY 10166 CLDI 23395 L 0713332752[0714] © 2013 METLIFE, INC. PEANUTS © 2013 Peanuts Worldwide