[Jane Rep, LUTCF]

[Agency Name]

[123 Street Name, Suite #]

[Anytown], [ST] [02134]

[Mr. John Customer]

[12 South Main Street, Apt 123]

[Anytown, ST 12345-6789]

As you look forward to finishing your education and beginning your career, protecting yourself in case of a disability may not be your main priority. But consider how you’ll be affected without the income you rely on now and that should continue to build over the years. How will you pay for day-to-day expenses, as well as debts like credit cards and student loans, all while trying to accumulate money to use toward building your career and saving for retirement?

Don’t leave your future to chance. Disability insurance can help you prepare for the unexpected, and MetLife has coverage designed for people who are starting their careers.

While you’re starting out…

Students and professionals with high earning potential have unique needs when it comes to protection. MetLife helps meet these needs by offering competitive benefit amounts for select occupations without regard to current income.1

Ø  Flip to the back to see how much coverage you could qualify for today!

When you become more established, MetLife offers...

·  Competitive rates and high benefit limits to help you cover more income.2

·  “Specialty Your Occupation” language for dental or medical professionals or an optional “Your Occupation” rider is available in most states and can help provide benefits even if you are employed in another occupation or specialty.3

·  Optional Lifetime Benefit rider, which can provide disability benefits for as long as you live.2,3

·  Potential discounts through our MultiLife program, list billing or select associations.3

·  Business owner protection products if you become an owner or co-owner.

Build your career on a foundation of disability protection.

For more information, contact me today.

Sincerely,

[Name]

[Company approved insurance title]

[CA and AR Insurance Lic.# - Insert if used in CA or AR]

Occupation / Monthly Benefit Limit
Medical / First-Year Physician / $7,500
Fellow; MD/DO Resident or Intern / $5,000
Student (3yr+) / $2,500
Dental / First-Year Dental Specialist / $6,000
First-Year General Dentist; Resident / $4,000
Senior Dental Student / $2,500
First-year / Architect, attorney, CPA, engineer,
optometrist, pharmacist or veterinarian / $4,000
Final-year / Student enrolled in an accredited school for the one of the above occupations; MBA student; veterinary resident or intern / $2,500

Note: Policy features, riders and discounts are not available with all policies, for all occupation classes or in all states. Talk with your financial professional for complete details.

1 Actual benefit amount issued depends on medical specialty or occupation class, applicant’s income and amount of other disability income insurance in force and applied for.

2 “Specialty Your Occupation” language comes with MetLife Income GuardSM, which is not available in all states. A “Your Occupation” rider is offered with Omni Advantage, which is only available in states that do not offer MetLife Income Guard. MetLife will consider the material and substantial duties you are performing, including those of a professionally recognized specialty (or specialties, if more than one) in medicine or dentistry, immediately prior to the time you become disabled to be the material and substantial duties of your regular occupation.

3 Some limitations apply. Ask your representative for details.

Like most disability insurance policies, MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about costs and complete details.

All policies and riders may not be available in all states, at all issue ages and to all occupational classes. Ask your representative for complete details. Eligibility is subject to underwriting approval.

For policies issued in New York: These policies provide disability insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.

Disability insurance is issued by Metropolitan Life Insurance Company, New York, NY 10166, on IDIP12-01 – IDIP 12-08, IDI2000-P/NC, IDI2000-P/NC-ML, IDI2000-P/GR, IDIP03-1, IDIP04-1, AH 5-88, AH 6-90, AH 4-90, AH 7-96-CA and AH 8-96-CA.
September 2013

CLDI23513 L0913341943[1014]

Metropolitan Life Insurance Company

New York, NY 10166