International Wealth Future BuilderProtect 1

International Wealth Future BuilderProtect 1

What is Future Protect? 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

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, Permanent Total Disability, Waiver of Premium and more Contribute to the plan by selecting the investment strategy that best suits your circumstances 3

Benefits for the customer Life Insurance Benefit Access to Cash Maximum Flexibility Protection till age 95 years Options to choose from: Single Life Cover Regular or Single Premium options Make free and unlimited fund transfers from one investment strategy to the other Increase or Decrease your life cover Joint Life First Death Joint Life Both Death 2 Free Partial Withdrawals per year from Year 1 4

Optional Riders Benefit Summary Death benefit higher of Face Amount or Account Value Worldwide coverage* Flexibility to choose the amount of life cover – up to USD 50 million* Unlimited FREE switches & FREE premium redirection Whole of life protection till 95 years with savings potential Fund allocation from Day 1 Flexibility to choose type of life cover – Single Life / Joint Life First Death / Joint Life Both Death Lower Management charges on AV 25K Liquidity through partial withdrawals * Except sanctioned countries. ** Offered to UAE residents only. *** Some available to UAE residents only. 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 Health Cover Abroad Second Medical Opinion service from renowned medical centers in the USA** MetLife Medical Discount Card offering discounts ranging from 10% - 50% at selected Medical Providers in UAE** 5

Charges Summary FUTURE PROTECT Year Premium Load Excess Premium Load Fees & Charges Premium Charge Regular Premium Single Premium 1 0% 2 6% 3-10 6% 11 0% All 7% 1 30% 2 18% 3 18% 4 17% 5 16% 6-10 0% 11 0% 7% 0% Annual M&E Charge All 0.75 - 1.25% Monthly Admin Fee All 15 Surrender Charges * Applicable for UAE only. Existing charges and fees remain applicable to RoG Y1-Y5:20 - 0% 6

Cash Value demonstration FUTURE PROTECT EXAMPLE: 45 y/o, male, non-smoker, 1,800 10 year premium payment, 100k life cover ADBGross Growth Rate Year Fund Management Charge FUTURE PROTECT Applicable to UAE Only 6.5% 1.0% Value to Customer (Cash Value) 20,000 Fund Performance Net Growth Rate Value to Customer Cash Value Premium Load Fees & Charges Premium Charge Annual M&E Charge Monthly Admin Fee Surrender Charges 1 5 10 15 20 1 2 3-10 11 1 2 3 4 5 6-10 11 All All 5.5% 780 5,537 14,485 15,019 14,891 0% 6% 6% 0% 30% 18% 18% 17% 16% 0% 0% 0.75-1.25% 15 Y1-Y5:20-0% 10,000 0 0 5 10 15 20 Policy Year 7

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 8 8

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 Chris Retirado Sales Support Gulf MetLife Mobile 971 551837093 [email protected] 9 9

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