for producer use only. not for public distribution. live better, leave more sm improve your...

For Producer Use Only. Not for Public Distribution.

Live Better,Leave MoreSM

Improve your clients’ retirementoutlook today & enhance theirwealth transfer tomorrow

For Producer Use Only. Not for Public Distribution.

Agenda

• The Live Better, Leave More strategy

• Case studies & action plan

• Identify potential clients & concerns

For Producer Use Only. Not for Public Distribution.

Identify Potential Clients & Concerns

For Producer Use Only. Not for Public Distribution.

• Retired or Close to Retired

• Single or Married

• Assets are meeting income goals

• Conflict between Leaving a legacy to children and spending in retirement

• May be interested in charitable giving

Do you Know this Client?

• In determining whether a client has sufficient “Excess Assets” to be considered appropriate for the Live Better/Leave More strategy, all future expenses, including potential emergency and long term care needs should be considered. All cases are subject to our standard underwriting guidelines regarding cash flow, net worth, premium outlay and need.

• Living on personal savings

• Typically moderate net-worth, BUT …

• Has Excess Assets

For Producer Use Only. Not for Public Distribution.

I believe that I have enough assets to provide me the income I need for the rest of my life. How do I best transfer my remaining wealth to my loved ones?

The Concern

For Producer Use Only. Not for Public Distribution.

The Live Better, Leave More Strategy

For Producer Use Only. Not for Public Distribution.

Evaluate client assets for wealth transfer goals.

Retirement assets designed for income can help clients Live Better. Tax-efficient assets can help them Leave More.

What is Live Better, Leave More?

For Producer Use Only. Not for Public Distribution.

• Bonds

• CDs

• Turn off Dividend Reinvest option on mutual funds

• Annuity with guaranteed withdrawal benefits

• Immediate annuity

• Charitable Remainder Trusts/Gift annuities

Potential Options to Live Better

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• Life Insurance

• ILIT

• Dynasty Trust

• Charitable Trusts w/ Wealth Replacement Trusts

Potential Options to Leave More

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Implementing the strategy

Evaluate Non-income Producing Assets for Wealth Transfer Efficiency5

1 Discuss Goals with Clients

2 Inventory Assets

3 Identify Current Income

4 Identify Potential for Greater Income

6 Implement the Plan

Discuss Goals with Clients

Inventory Assets

Identify Current Income

Identify Excess Assets

Evaluate Excess Assets for Wealth Transfer Efficiency

Implement the Plan

For Producer Use Only. Not for Public Distribution.

Reduces stressProvides method to fund legacy with

excess assetsPotentially increases net estate for beneficiaries by transitioning to income and estate

tax free asset

Benefits to Your Client

For Producer Use Only. Not for Public Distribution.

Deepens client relationshipsUncovers additional assetsIntroduces you to the

next generation

Benefits to You

For Producer Use Only. Not for Public Distribution.

Action Plan

Discuss Strategic Partnership1

Identify and Qualify Clients2

Schedule Time for Client Meetings 3

Set Client Meeting to Confirm Data, Identify Problems/ Solutions, Initiate Underwriting4

Deliver Presentation Materials if Required5

Implement Solutions6

Discuss Strategic Partnership

Identify and Qualify Clients

Schedule Time for Client Meetings

Set Client Meeting to Confirm Data, Identify Problems/ Solutions, Initiate Underwriting

Deliver Presentation Materials if Required

Implement Solutions

For Producer Use Only. Not for Public Distribution.

Important Information

The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance or other financial products and services. Clients should seek advice based on their particular circumstances from an independent tax advisor since any discussion of taxes is for general informational purposes only and does not purport to be complete or cover every situation.

MetLife, its agents, and representatives may not give legal, tax or accounting advice and this document should not be construed as such. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

Like most insurance policies, MetLife’s policies contain charges, limitations, exclusions, termination provisions and terms for keeping them in force. Consult the policy for costs and complete details.

Insurance Products:• Not A Deposit • Not FDIC-Insured • Not Insured By Any Federal

Government Agency • Not Guaranteed By Any Bank Or Credit Union • May Go Down In Value

BDVL21016 L0214360965[0215]© 2014 METLIFE, INC.; PEANUTS © 2014 Peanuts Worldwide.

Metropolitan Life Insurance Company200 Park AvenueNew York, NY 10166www.metlife.com