Future Protect 1

Future Protect 1

What is Future Protect Confidential – for MetLife internal use only With Future Protect, you can provide your loved ones with a lifetime of financial security. By combining the benefits of life insurance with an investment feature, Future Protect allows you to enjoy the best of both worlds. How It Benefits You Financial Protection for the family Compliments any investment objective A choice of Single or Joint life insurance A selection of investment strategies to choose from 2

Confidential – for MetLife internal use only How the plan works Future Protect is a life insurance that can be customized to meet your needs and circumstances. All you need to do is: Choose the coverage amount that best suits your needs Select between a Single or Joint life insurance cover Enhance your plan with additional life insurance benefits such as Critical Illness, Total & Permanent disability, Waiver of Premium and more Contribute to the plan by selecting the investment strategy that best suits your circumstances and the currency of your choice 3

Confidential – for MetLife internal use only Benefits for the customer Life Insurance Benefit Maximum Flexibility Protection till age 95 years Select from 180 Funds Options to choose from: Single Life Cover Make free and unlimited fund transfers from one investment strategy to the other Increase or Decrease your life cover Joint Life Cover Joint Life First Death Joint Life Both Death Access to Cash Maturity Options 2 Partial withdrawals every year from 3rd year Options to take your maturity proceeds as: Lump-sum Annuity Part lump-sum, part annuity 4

Confidential – for MetLife internal use only Stories like yours With a new baby girl on the way and with the cost of living rising, young couple Marwan and Dana realized that they would need to secure everything they have worked for over the years and ensure that their child’s future and standard of living would not be affected in case of unexpected events. In order to protect their new growing family, they decided to take out a Future Protect policy. By contributing with USD 1,800 a month, their payments will be invested in the funds they selected after 2 years and they will ensure life insurance coverage of USD 450,000. If Single Life is selected Dana, as a beneficiary, would be entitled to the full life insurance amount or the account value (whichever is higher) in the unfortunate event of Marwan’s loss of life. If Joint Life Cover with a First Loss of Life is selected If Joint Life Cover with both lives is selected Assuming that the specified life insurance amounts are similar to the previous scenario. Marwan and Dana have to specify the amount each would receive in the event one’s loss of life. If out of USD 450,000, Marwan is covered for USD 300,000 then Dana’s coverage will be USD 150,000. if Marwan passes away first, the beneficiary, his child in this case, will receive USD 300,000 or the Account Value at that time (whichever is higher). In case Marwan passes away first, Dana, as a beneficiary, will receive USD 300,000 or the Account Value (whichever is higher); or viceversa. The policy will not terminate and will continue as normal. The child will receive the balance of the life insurance or the Account Value once Dana passes away or at the maturity of the policy. 5

Confidential – for MetLife internal use only Benefit summary Worldwide coverage* Flexibility to choose the amount of life cover – up to 10 million* Options to choose from 180 direct funds, unlimited FREE switches & FREE premium redirection Whole of life protection till 95 years with savings potential Fund allocation from Day 1 *Except sanctioned countries. Optional Riders Accelerated Critical Illness (3 Types). Terminal Illness Standalone Critical Illness. Permanent Total Disability. Permanent Partial Disability War Risk. Accidental Death Benefit Common Carrier Waiver of Premium (Death and Disability)* Hospitalization Second Medical Opinion Medical Discount Card Death benefit higher than Face Amount or Account value Liquidity through partial withdrawals Fund persistency bonus from 11th year onwards Multiple maturity options to suit client’s investment objectives (Lumsum / Annuity / Lump-sum Annuity) Flexibility to choose type of life cover – Single Life / Joint Life / First Death / Joint Life both Death 6

Confidential – for MetLife internal use only Future Protect – A whole of life plan for wealth protection Charges for Initial Contribution Period of 24 Months Year 1 & 2 Premium Load Admin Charge 85% * Annual Premium Year 3 to Year 10 Year 3 6%* Annual Premium Annual Premium Charge 3% * Annual Premium Year 3 to Year 10 Year 11 M&E Charge 10 Per Month 5 Per Month 1.5% p.a. of Account Value 7

Confidential – for MetLife internal use only Future Protect – A whole of life plan for wealth protection Charges for Initial Contribution Period of 12 Months Year 1 Premium Load Admin Charge 85% * Annual Premium Year 3 to Year 10 Year 2 6%* Annual Premium Annual Premium Charge 3% * Annual Premium Year 2 to Year 10 Year 11 M&E Charge 10 Per Month 5 Per Month 1.5% p.a. of Account Value 8

Confidential – for MetLife internal use only Partial surrender Partial Surrenders allowed after 2 policy years (24 months) Maximum withdrawals per policy year 2 Maximum Withdrawal 80% of Net Cash Surrender Value Minimum Withdrawal USD 500 (amount paid to the client) Partial Surrender Processing Fee USD 25 Deduction from Account Value Withdrawal amount plus Partial Surrender Processing Fee *The Planned Premium will not reduce as a result of any reduction in the Face Amount. 9

Full surrender – ICP 24 Months Account Value Confidential – for MetLife internal use only Policy month Surrender Processing Fee (in USD) Month 25 to 36 250 Month 37 to 48 200 Month 49 to 60 150 Month 61 to 72 100 Month 73 25 - Applicable Surrender Fee - Indebtedness if any 10

Full surrender – ICP 12 Months Account Value Confidential – for MetLife internal use only Policy month Surrender Processing Fee (in USD) Month 13 to 36 250 Month 37 to 48 200 Month 49 to 60 150 Month 61 to 72 100 Month 73 25 - Applicable Surrender Fee - Indebtedness if any 11

Issue ages and coverage ages Confidential – for MetLife internal use only Issue Ages and Coverage Ages* Plan Min. Issue Age Max. Issue Age Max. Coverage Age Accelerated Critical Illness 20 60 95 Standalone Critical Illness 20 60 75 Permanent and Total Disability 20 55 65 War Risk 20 65 95 20 55 65 Accidental Death 20 60 75 Hospitalization 20 65 70 Waiver of Premium (Death and Disability) * Age is defined as that at the last birthday. 12

Confidential – for MetLife internal use only Rider coverages Rider Coverage* Plan Min. Coverage Max. Coverage Accelerated Critical Illness 50,000 1,000,000 Standalone Critical Illness 50,000 500,000 Permanent and Total Disability 50,000 1,000,000 War Risk Equal to the base plan face amount As per current standard Waiver of Premium (Death and Disability) Accidental Death This rider will pay the Planned Premium up to the balance of term selected in the illustration or till age 75 if all pay option selected Basic Future protect Face Amount 3 Times Basic Future Protect Face amount capped at USD 5 million 13

Next steps Confidential – for MetLife internal use only Met Life Office Address: Ubora Office Towers - Business Bay, Office No 1903 - PO Box 116270 - Dubai Customer Service: 800 MetLife - 800 6385433 For Sales and Escalations: Abdul Sameer Sales Manager Gulf MetLife Mobile 971 568233033 [email protected] For Sales Support Gagan Batta Sales Support Gulf MetLife Mobile 971 565553256 [email protected] 14

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