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Life Insurance Life comes in many shapes and sizes. Protect your priorities with life insurance. Why life insurance matters Life insurance is a cost-effective way to protect your loved ones. Should something unforeseen happen to you, it helps ensure that short- and long-term financial obligations could be met. If you have a spouse or domestic partner, if you have children, they may rely on you to help keep the household running. Without your income paying the mortgage or providing for a child’s college education could become more difficult. Term life insurance gives your loved ones a lump sum payment. This would help them be financially prepared to Review your life insurance needs better handle expenses like: regularly to help ensure adequate protection for your loved ones. • Mortgage or rent payments • Childcare/education fees • Utilities • Transportation Not sure how much life • Insurance premiums • Credit card bills insurance is right for you? Get an idea of how much to consider with our calculator. Scan the QR code A premature death is likely to exert a major or visit www.metlife.com/lifeneeds. or devastating impact on financial security, lifestyle and general savings.1 Scantocalculate life insurance coverage Experts recommend a coverage amount equal that fits you. to at least 10 years of your annual income.1

Continue to be there for your loved ones with life insurance. They will receive a lump-sum payment to help provide a more financially secure future. Consider these average Group Term Life Insurance policy costs for a healthy 35-year-old: 3 Consider this life event: $ Estimated cost $3–$4 per month 50k That’s near the cost of a latte! Consider this scenario: in coverage Renee's father passed away a few months before she left for college. Fortunately, he had group life 3 insurance through MetLife, which $ Estimated cost $13–$20 per month helped cover Renee’s tuition and 250k That’s a movie ticket and popcorn!4 allowed her to pursue her dream to in coverage become a registered nurse. Now, she has life insurance through her employer to help make sure her kids will have the same opportunities if 3 $ Estimated cost $25–$40 per month something happens to her. 500k That’s one month at a fitness center!4 in coverage This is a hypothetical example for illustrative purposes only. Photos do not represent actual MetLife customers. The advantages of getting life insurance through work: Competitive Convenient Easy access Educational tools to help 2 payroll to enrollment you decide how much group rates deductions insurance is right for you The tax advantage Your beneficiaries typically won’t need to pay income tax on the payments they receive.5

Help ensure your family’s financial security with MetLife Life Insurance. Benefit Term life insurance covers you for a fixed period of time and pays a death benefit to your overview beneficiary if you pass away during that time. Why This coverage can help your family be financially prepared to better handle expenses needed like mortgage or rent payments, utilities, insurance premiums, childcare/education fees, transportation, credit card bills, and more. Additional The group term life insurance plan includes: value and 6 services • Will Preparation: Offers in-person and phone access to a network of plan attorneys to prepare or update a will, living will or power of attorney. • Estate Resolution Services:7 Helps alleviate the administrative and financial burden of probating an estate. • Portability:8 Provides an opportunity to continue your group term life insurance coverage with MetLife at competitive rates9 if you retire or leave the company. • Funeral Discount & Planning Services:10 Access to Dignity Memorial, the largest network of funeral homes and cemeteries, to pre-plan arrangements with a licensed counselor and receive a discount on funeral services. Please see your Plan Summary for details.

Frequently Asked Questions What is a beneficiary? A. The person you choose to receive the life insurance proceeds should something happen to you. It’s possible to have multiple beneficiaries and you can update them regularly should your circumstances or needs change. I already have basic life insurance through my employer, why do I need more? A. While having life insurance provided by your employer is a great benefit, it’s possible that it may not be enough to adequately provide for your loved ones. Additional life insurance can give them greater financial security if you are no longer here to earn a paycheck. How much life insurance do I need? A. Everyone is different, but it may be more than you have now. The insurance you need changes as your life changes — for example, getting married, starting a family, or buying a home may change the coverage you need. Many people are surprised to learn that they may not have enough life insurance to cover the many expenses their loved ones may face. How much will it cost? A. It may be less expensive than you think. MetLife’s group term life insurance plans are a cost-effective way for you to provide for your loved ones with competitive group rates and a wide range of coverage options to choose from. Exact rates can be found in your enrollment materials. How do I pay for my coverage? A. Premiums are conveniently paid through payroll deductions, so you don’t have to worry about writing a check or missing a payment. How are claims paid? A. A claim needs to be filed with the life insurance company upon the death of the insured. A tax-free death benefit is paid in a single lump-sum to your chosen beneficiary or beneficiaries.5 Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0623032862[exp0625][All States] © 2023 MetLife Services and Solutions, LLC

Enroll in Life Insurance Please see your Plan Summary during annual enrollment. for more information. * Individual results may vary. MetLife has not compensated anyone for this testimonial. 1. MetLife’s 2020 Study of the Financial Impact of Premature Death. 2. Cost of insurance rates are determined using methodologies that vary by company. These rates can vary and will generally increase with age. Rates for active employees may be different than those available to terminated or retired employees. It’s important to look at all factors when evaluating the overall competitiveness of rates and the value of life insurance coverage. 3. Based upon internal MetLife calculation. 4. https://www.numbeo.com/cost-of-living/country_result.jsp?country=United+States. Accessed May 2021. 5. In general, death benefits are received income tax free. 6. Included with Supplemental Life Insurance. Will Preparation Services are offered by MetLife Legal Plans, Inc, Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan General Insurance Company Warwick, Rhode Island. For New York-sitused cases, Will Preparation Services are an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond will preparation. Tax planning and preparation of living trusts are not covered by Will Preparation Services. 7. Included with Supplemental Life Insurance. Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan General Insurance Company Warwick, Rhode Island. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters. 8. All coverage amounts are subject to applicable state laws. To take advantage of this benefit, coverage of at least $10,000 or $20,000 must be elected. 9. Cost of insurance rates are determined using methodologies that vary by company. These rates can vary and will generally increase with age. Rates for active employees may be different than those available to terminated or retired employees. It’s important to look at all factors when evaluating the overall competitiveness of rates and the value of life insurance coverage. 10. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. Not available in some states. Planning services, expert assistance, and bereavement travel services are available to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network of funeral providers are pre-negotiated. Not available where prohibited by law. The discount is available for services offered in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For MI and TN, the discount is available for “At Need” services only. For coverage issued under a multiple-employer trust, services are not available for WA residents. Nothing in these materials is intended to be advice for a particular situation or individual. Please consult with your own advisors for such advice. Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or MetLife for costs and complete details. Life coverages are provided under a group insurance policy (Policy Form GPN99 or G2130-S) issued to your employer by MetLife. Life coverages under your employer’s plan terminates when your employment ceases, when your Life contributions cease, or upon termination of the group insurance policy. Dependent Life coverage will terminate when a dependent no longer qualifies as a dependent. Should your life insurance coverage terminate, for reasons other than non-payment of premium, you may convert it to a MetLife individual permanent policy without providing medical evidence of insurability. Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0623032862[exp0625][All States] © 2023 MetLife Services and Solutions, LLC