for EMPLOYEES1

Metropolitan Life Insurance Company (MetLife), New York, NY 10166. Securities products and investment advisory services offered by MetLife Securities, Inc. (MSI) (member FINRA/SIPC), New

York, NY 10166, a registered investment advisor. MetLife and MSI are affiliates. [New L#]

advice

Survivorship Planning Service

INTRODUCING

for EMPLOYEES2

Comprehensive Survivorship Planning

Financial Analysis & Implementation Offered by MetLifeMetLife• Wealth Transfer Planning• Estate Tax Strategies• Retirement Security Planning• Investment Services• Business Succession Planning

Legal Analysis & Implementation Offered by an Independent Law Firm*• Wills & Trusts• Financial Powers of Attorney• Health Care Powers of Attorney• Living Wills• Buy/Sell Agreements

*The Law Firm in not affiliated with MetLife or any of its affiliates. MetLife does not provide tax or legal advice. You are under no obligation to engage any specific law firm and are free to select the attorney/law firm of your choice to perform this work.

for EMPLOYEES3

What is Essential?

Qualified team of planning professionals

Independent law firm legal review

Planning completed and implemented before death occurs

Decisions made while most options are still available

Plans updated periodically or as needs change

for EMPLOYEES4

Important Issues Upon Death

Survivors must attend to many tasks, such as: Gathering Financial Statements Death Certificates Social Security benefits Employer benefits Credit card changes Collecting life insurance benefits Obtaining access to safe deposit box Subscriptions, utility bills, etc. Auto ownership Real Estate ownership Investment account title changes Assistance to trustee Identification and location of all assets belonging to the deceased and determination of value Preparing list of all decedent’s debts and compiling income tax and estate information Filing will for probate

for EMPLOYEES5

Survivor Benefit

CLOSURE

FinancialAnalysisReview

Financial Plan

Delivery

FinancialStrategy

Implementation

LegalAnalysisReview

DocumentDesignSession

Dat

a G

athe

ring

Ses

sion

Periodic Review

The Process

LegalDocument

Implementation

for EMPLOYEES6

The Survivor Benefit In Action

For your surviving spouse and family members

Begins new file and Fact Find

Reassesses financial goals

Assists with budget living expenses

Arranges updated estate analysis

for EMPLOYEES7

The Survivor Benefit In Action

Your lawyer will guide and assist your survivors with legal issues such as:

Define responsibilities of surviving family members: Guide

Organize assets and liabilities and type of documentation needed

Locates and files Will

Obtains Court’s appointment of Executor

Assists Executor to: File asset and debt information with Court, file accounting with Court, prepare estate and income tax returns, settle estate, update wills and trusts, durable powers of attorney, and health care proxies for survivors

We will also be available to assist you work through this process with your attorney.

for EMPLOYEES8

Surviving Client Calls

MetLife Advice

MetLife Receives Call After Death

Begins assisting survivors with check list of tasks

The Survivor Benefit

for EMPLOYEES9

The Survivor Benefit

Independent Law Firm

• Notify Surviving Client’s Independent Law Firm of Death Request from Law Firm

MetLife Advice & Surviving Client

Estate Tax Inventory List To help organize assets & liabilities and type of documentation needed

Estate Document Explanation To define responsibilities of surviving family members: “Roadmap”

for EMPLOYEES10

Retrieve Financial Information from Last Periodic Review

Help Survivors to:

Prepare Files for Assets and Liabilities

Prepare Letters and Authorization Forms for Financial Institutions

Review Budget Expenditures and Prioritize Action Steps

MetLife Advice

The Survivor Benefit

MetLifeFinancial Planner

for EMPLOYEES11

Surviving Clients & Family Members

Review at 1st Meeting after Funeral Estate Document Explanation from Independent Law Firm

Update Estate Tax Inventory Update Surviving Client File and Financial Plan

Benefits of Employer Benefits from Insurance Companies

Implement Administrative Functions

MetLife AdviceMetLife

Financial PlannerFinancial Planning offered by MetLife Securities, Inc., New York, NY 10010

The Survivor Benefit

Independent Law Firm

for EMPLOYEES12

Why Survivorship Planning?

The legal & financial issues surrounding death and wealth transfer only get more complicated

Empower families to make more educated and informed legal, financial, retirement, estate and investment decisions

Assist employers in providing an innovative yet cost-effective benefit for valued employees

for EMPLOYEES13

Surviving Client Calls

Independent Law Firm

• Along with the Surviving Client• Notify Law Firm of Death• Coordinate with Law Firm

• Retrieve Financial Information• Build Survivorship File

What Team of ProfessionalsWill Do This For Your Family?

MetLife Financial Planner

Surviving Client & Family Members

MetLife Advice

• MetLife Advice Receives Call After Death

• Review at 1st Meeting after Funeral• Implement Administrative Functions • Update Estate Tax Inventory• Update Surviving Client File & Financial Plan

The Survivor Benefit

for EMPLOYEES14

Why Survivorship Planning?

Financial Planning Services are offered by MetLife Securities, Inc. (“MSI”), a registered investment adviser. You may choose to implement your financial plan through MSI, one of its affiliates, or any other financial institution of your choice. If you desire, a financial services representative of either MSI or one of its affiliates, including Metropolitan Life Insurance Company and/or other affiliated or unaffiliated insurance companies, acting in a sales capacity, may recommend specific investment, risk, protection and other financial products through which this financial plan can be implemented. These recommendations may include products issued or distributed by MSI and/or its affiliates. You are under no obligation to purchase any products or additional services from, or through, MSI or its affiliates. If you purchase such products or services from, or through, MSI, or any of its affiliates, this may result in the payment of additional compensation to the financial services representative, MSI and its affiliates, and may require the completion and execution of separate applications and agreements. L0209020923[exp0310][FL]