MetLife Base Compensation Plan

GROUP LONG TERM CARE

Compensation for LTC is a level 5% of new and renewal received and earned premium.

CRITICAL ILLNESS INSURANCE

Compensation for Critical Illness Insurance is a level 6% of new and renewal received and earned premium.

METLIFE AUTO AND HOME

Compensation for auto and home insurance is a level 4%⁸ of new and renewal received and earned premium.

HYATT GROUP LEGAL PLANS⁹

For each new legal plan sold, Hyatt Legal Plans will pay compensation of 10% of the first $500,000 in annual received and earned premium and 2% of the annual received and earned premium above $500,000. This compensation remains in effect for the duration of the legal plan so long as there is a broker of record agreement in place.

INDIVIDUAL DISABILITY INCOME¹⁰

Base First Year Compensation by Individual Disability Income Product

OMNI Advantage, OMNI Essential, OMNI Plus, Salary Saver or OMNI Select 90 day EP;

Expense Plus – Buy-Out............................................................................. 55% of first year received and earned premium

All other Individual Disability Income Products...................................... 40% of total first year received and earned premium

Good Health Benefit Rider ........................................................................ 4% of the first year received and earned premium for the Good Health Benefit Rider

FIRST YEAR MERIT COMPENSATION RATE¹¹

Aggregate annualized Individual
Disability Income new sales premium
for the calendar year in which the policy
was placed Additional first year merit
compensation rate

$ 0–5,000 0%

$ 5,001–10,000 5% of premium in excess of $5,000

$ 10,001–20,000 10% of premium in excess of $10,000

$ 20,001–40,000 15% of premium in excess of $20,000

$ 40,001+ up to 20% of premium in excess of $40,000

RENEWAL COMPENSATION¹²
Renewal compensation based on the aggregate annualized premium for all policies that were placed in the same year and which are still Inforce at the beginning of the year in which renewal compensation will be paid.

Years 2 – 5 Years 6 - 10

$ 0–4,999     5%     3%

$ 5,000–9,999    10%     5%

$ 10,000–19,999 12.5% 7.5%

$ 20,000–34,999    15%   10%

$ 35,000+    18% 12.5%

Renewal Compensation in years 11+¹³

Inforce MetLife Individual
Disability Income premium at
the end of the calendar year Renewal compensation percentage

$0–$24,999 0%

$ 25,000+ 3.5%

SMALL MARKET PRODUCTS

Standard compensation for Small Market¹⁴ products is a level 15% of new and renewal received and earned premium for the following products: Voluntary STD, Enhanced Optional Life and AD&D, and Buy-up Life and AD&D.

⁸ Premiums exclude: (a) Michigan Catastrophic Claims Association assessments or other state mandated fees or charges and (b) premium on MetLife Auto & Home policies inforce prior to the account agreement.
⁹ Hyatt Legal Plans are available only to groups of 500 or more benefit eligible employees.
¹⁰ This compensation schedule may not be applicable to: (a) multi-life cases or (b) cases sold through a general agent. Please contact your sales representative for more information.
¹¹ Merit Compensation is not payable on received and earned premium for the Good Health Benefit Rider.
¹² 4% of the renewal received and earned premium is payable for the Good Health Benefit Rider in years 2-10.
¹³ Not available for the Good Health Benefit Rider.
¹⁴ "Small Market" designation is based on the number of eligible lives. MetLife designates all cases with 2 to 499 lives as Small Market. The Small Market threshold is determined by MetLife and may be changed by MetLife.