How much life insurance

1
Has your life insurance coverage kept pace
with your family's expenses, goals and life
events?
How long would you want to provide for your
family if something happened to you?
Have you considered how you will pay for
post-retirement medical expenses?
Has your life insurance coverage kept pace with
your family's expenses, goals and life events?
Are you looking for a tax-advantaged means to
supplement your 401(k) contributions?
While individual needs vary, some experts
recommend coverage equal to 5 to 7 times your
income.
Have you considered how you will achieve your
retirement savings goals?
How long would you want to provide for your
family if something should happen to you?
How much life insurance would it take for your
family to maintain their lifestyle if something
happened to you?
How much would your family need to replace your
lost earning power if something happened to you?
Have you considered the rising cost of higher
education?
American Council of Life Insurance in
cooperation with the U.S. Office of Consumer
Affairs and the Consumer Information Center,
2003.
2
L0611FHXU(exp1108)PAR-LD
3
Ask Yourself...

• How much life insurance would it take for your
  family to maintain their lifestyle if something
  happened to you?
• Has your current life insurance coverage kept
  pace with your family's expenses, goals and life
  events?

50 of employees are underinsured life
insurance coverage equal to or less than three
years of total household income is considered
underinsured.2
2 2004 MetLife Study of Employee Benefits Trends.
4
How Much Coverage?

• Optional Coverage in ½ multiples to 8 times your
  salary to a maximum of
• 2,000,0003

How much life insurance you need is a personal
decision based on your individual circumstances.
Life Insurance Calculator at www.metlife.com/myben
efits
3 Upon enrollment into the program.
5
Ask Yourself...

• Would you like to supplement your 401(k)
  contributions?
• Are you saving for the rising cost of education?
• Are you planning for post-retirement medical
  expenses?

By utilizing GVULs investment feature, you can
access any cash value that is built up in your
certificate, during your lifetime for expenses
such as education, real estate opportunities,
post-retirement medical programs or early
retirement.
6
Tax-Advantaged Investment Opportunity
22 Variable Investment Portfolios
And an Interest Bearing Account currently paying
5.1 (4 guaranteed)6

• Premium charge 2.25

6 The current crediting rate on the
interest-bearing account is subject to change.
Guarantees are subject to the claims-paying
ability of Metropolitan Life Insurance Company.
7
Tax-Advantaged Investment Opportunity

• Potential tax-deferred growth
• No surrender charges
• Tax-free transfers between investment portfolios
  
• No 59½ early withdrawal penalties withdrawals
  will reduce yourcash value and death benefit
• Tax-free withdrawals up to basis7

7 In general, if the funding of your certificate
exceeds certain limits, it will become a
"modified endowment contract" (MEC) and become
subject to "earnings first" taxation on
withdrawals and loans. An additional 10 penalty
for withdrawals and loans taken before age 59½
will also generally apply. We will notify you if
a contribution would cause your certificate to
become a MEC.
8
Tax-Advantage of GVUL Premiums
Buying Term Insurance Investing Elsewhere
Buying GVUL Investing Within the Program
Premiums For Term Life Insurance Coverage
Premiums For GVUL Insurance Coverage
Separate Investment8
Basis Total GVUL PremiumsPaid
Extra GVUL Premiums For Investment
Basis Only Amount of Money Invested In
Separate Investment
8 Under current law, most tax payers are subject
to a lower rate of tax on qualifying dividends
and long-term capital gains than on ordinary
income. Taxable distributions from GVUL are
subject to ordinary income tax rates.
9
Tax-Advantage of GVUL Premiums - Example
Age at Issue 40End of 25 Years500,000
Coverage
Premiums
Paid in Total 80,000
Premium For GVUL Insurance Coverage
Premium For GVUL Insurance Coverage
Available Cash Value 80,000
50,000
(Basis)
Extra Premium For Investment 30,000
Extra Premium For Investment
Withdrawals will reduce the cash value and the
death benefit.
Cash Value Subject to Tax 0
The above example is not indicative of any
particular investment. These examples do not
reflect any charges. Earnings within your GVUL
coverage generally can be withdrawn from your
certificate without income tax, as long as the
cash value in your certificate is less than the
total premium paid into your certificate at the
time of withdrawal, less any prior withdrawals,
and provided that the contract is not a modified
endowment contract.
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Tax-Advantage of GVUL Premiums - Example
Age at Issue 40End of 25 Years500,000
Coverage
Premiums
Paid in Total 65,000
Premium For GVUL Insurance Coverage
Premium For GVUL Insurance Coverage
Available Cash Value 40,000
50,000
(Basis)
Extra Premium For Investment 15,000
Extra Premium For Investment
Withdrawals will reduce the cash value and the
death benefit.
Cash Value Subject to Tax 0 Excess Unused
Basis 25,000
The above example is not indicative of any
particular investment. These examples do not
reflect any charges. Earnings within your GVUL
coverage generally can be withdrawn from your
certificate without income tax, as long as the
cash value in your certificate is less than the
total premium paid into your certificate at the
time of withdrawal, less any prior withdrawals,
and provided that the contract is not a modified
endowment contract.
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Tax-Advantage of GVUL Premiums - Example
Age at Issue 40End of 25 Years500,000
Coverage
Premiums
Paid in Total 150,000
Premium For GVUL Insurance Coverage
Premium For GVUL Insurance Coverage
Available Cash Value 250,000
50,000
(Basis)
Extra Premium For Investment 210,000
Extra Premium For Investment
150,000 of Cash Value is Not Subject to Income
TaxWithdrawals exceeding Basis will be subject
to ordinary income tax
Withdrawals will reduce the cash value and the
death benefit.
The above example is not indicative of any
particular investment. These examples do not
reflect any charges. Earnings within your GVUL
coverage generally can be withdrawn from your
certificate without income tax, as long as the
cash value in your certificate is less than the
total premium paid into your certificate at the
time of withdrawal, less any prior withdrawals,
and provided that the contract is not a modified
endowment contract.
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Tax-Advantage of GVUL Premiums

• Strategies for Remaining Cash Value Can Include
  
• Loan Provisions
• Payment of Future Premiums

Outstanding loan amounts do not participate in
the investment experience of the variable
investment options and can have a permanent
effect on certificate values and benefits.
Upon surrender, lapse, or case termination,
including those circumstances where termination
of the Group GVUL contract results in termination
of individual certificates/policies, loans become
withdrawals and may become taxable to the
certificate owner. Earnings within your GVUL
coverage generally can be withdrawn from your
certificate without income tax, as long as the
cash value in your certificate is less than the
total premium paid into your certificate at the
time of withdrawal, less any prior withdrawals,
and provided that the contract is not a modified
endowment contract. Withdrawals will reduce the
cash value and the death benefit of your
certificate.
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GVUL Summary

• Enhanced Life Insurance Protection - Portable
  coverage
• Tax-Advantaged Investment Opportunity - No
  surrender charges or early withdrawal
  penalties withdrawals will reduce your cash
  value and death benefit. - Tax-free
  withdrawals up to basis9
• Flexibility and Control - Access to cash
  value - Ability to adjust coverage and/or change
  investment decisions

9 In general, if the funding of your certificate
exceeds certain limits, it will become a
"modified endowment contract" (MEC) and become
subject to "earnings first" taxation on
withdrawals and loans. An additional 10 penalty
for withdrawals and loans taken before age 59½
will also generally apply. We will notify you if
a contribution would cause your certificate to
become a MEC.
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Taking ActionEnroll Today!

• Determine Your Life Insurance Needs
• Determine Your Investment Plan
• Complete Enrollment at www.metlife.com/mybenefits
  

For GVUL Service, please contact an Enrollment
Specialist at [phone], Monday through
Friday, 800 a.m. to 500 p.m. (CT) or by mail at
190 Carondelet Plaza, St. Louis, MO 63105
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Simple Enrollment Process

• Insurance Election
• Investment Election
• Portfolio Allocation
• Other Elections
• Health Questions
• Review and Submit

16
The information contained in this presentation is
not intended to (and cannot) be used by anyone to
avoid IRS penalties. This presentation supports
the promotion and marketing of GVUL. You should
seek advice based on your particular
circumstances from an independent tax advisor.
Prospectuses for Group Variable Universal Life
insurance must precede or accompany this
material. You should carefully consider the
information in the prospectuses about the
contract's features, risks, charges and expense,
and the investment objectives, risks and policies
of the underlying portfolios, as well as other
information about the underlying funding choices.
Please read the prospectuses and consider this
information carefully before investing. Product
availability and features may vary by state. All
product guarantees are subject to the financial
strength and claims-paying ability of
Metropolitan Life Insurance Company.Group
Variable Universal Life insurance has
limitations. There is no guarantee that any of
the variable options in this product will meet
their stated goals or objectives. The account
value is subject to market fluctuations so that,
when withdrawn, it may be worth more or less than
its original value. Variable products issued by
Metropolitan Life Insurance Company, New York, NY
10166, and distributed by MetLife Investors
Distribution Company (member NASD), Irvine, CA
92614. Securities, including variable products,
offered through MetLife Securities, Inc. (member
NASD/SIPC), New York, NY 10166. Metropolitan
Life Insurance Company, MetLife Investors
Distribution Company, and MetLife Securities,
Inc. are affiliates. Policy Form No. 30037 and
in NY Policy Form No. 3003731.
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A Key Component In A Comprehensive Financial Plan