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Graded Scales:

MetLife uses graded scales to calculate base compensation.

Graded scales generate compensation payments that at the beginning of each policy year start at the top of the graded scale. As the received and earned premium accumulates for each coverage grouping or coverage, the compensation MetLife pays moves down the graded scale.⁶

MetLife reserves the right to change all compensation scales.

Products by Coverage Grouping

For the following products, the graded scale below is applied per coverage grouping sold. Coverage groupings are as follows:

Basic Life, Dependent Life, Buy-up Life, Core Life,     Enhanced Optional Life, Basic AD&D, Dependent     AD&D and Buy-up AD&D   Optional Life and Optional AD&D   GUL

STD products and State-Mandated     Disability products   GA LIFA   GLIFA

Annual Premium (New and Renewal) Cumulative Premium Percentage First $5,000 $        5,000 15.00% Next $5,000 $      10,000 10.00% Next $20,000 $      30,000 5.00% Next $10,000 $      40,000 3.50% Next $10,000 $      50,000 3.00% Next $10,000 $      60,000 2.00% Next $190,000 $   250,000 1.75% Next $250,000 $   500,000 1.00% Next $500,000 $1,000,000 0.50% Next $4,000,000 $5,000,000 0.25% Over $5,000,000 0.10%

Voluntary Accidental Death & Dismemberment⁷

Annual Premium (New and Renewal) Cumulative Premium Percentage First $50,000 $  50,000 15.00% Next $50,000 $100,000 10.00% Next $50,000 $150,000 5.00% Over $150,000 2.50%

Dental

Dental
Voluntary Dental

Annual Premium (New and Renewal) Cumulative Premium Percentage First $5,000 $        5,000 10.00% Next $5,000 $      10,000 7.50% Next $20,000 $      30,000 5.00% Next $10,000 $      40,000 3.50% Next $10,000 $      50,000 3.00% Next $10,000 $      60,000 2.00% Next $190,000 $   250,000 1.75% Next $250,000 $   500,000 1.00% Next $500,000 $1,000,000 0.50% Next $4,000,000 $5,000,000 0.25% Over $5,000,000 0.10%

Long Term Disability

Annual Premium (New and Renewal) Cumulative Premium Percentage First $15,000 $  15,000 15.00% Next $10,000 $  25,000 10.00% Next $25,000 $  50,000 5.00% Next $200,000 $250,000 2.00% Over $250,000 1.00%

⁶ In addition to the base compensation listed in the graded scales, MetLife may pay additional base compensation to brokers in certain circumstances. In setting a broker’s total base compensation, MetLife will consider a variety of factors including the compensation schedules provided above, the services the broker has agreed to provide, and the nature of the customer’s group insurance plan. Speak to your sales representative for details.
⁷ VADD is a stand-alone product, and differs from Optional AD&D in that coverage is not dependent upon participation in any other coverage. VADD is currently available only to groups of 500 or more lives. MetLife may change this requirement at any time. Please contact your sales representative with any questions.