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The terms and conditions set forth in this brochure govern the Supplemental Compensation Plan. There will be no changes to the Supplemental Compensation Plan unless set forth in writing and signed by an Executive Vice President of MetLife.

Eligibility for payment under the Supplemental Compensation Plan requires the broker to be appropriately licensed and appointed and to comply with all applicable laws and regulations, including, without limitation, those that apply to disclosure of compensation. In addition, in order for the broker to be eligible for Supplemental Compensation with respect to any given customer’s business, the broker must be recognized by MetLife and the customer as Broker of Record. MetLife reserves the right to notify its customers of a broker’s eligibility to receive compensation under the Supplemental Compensation Plan and to obtain written customer authorization prior to making any payment.

MetLife reserves the right to change the terms of the Supplemental Compensation Plan or to discontinue the sale of any product. It is not MetLife’s practice to specifically factor Supplemental Compensation into the price of a customer’s group insurance plan. However, payments under the Supplemental Compensation Plan are a component of MetLife’s Institutional Business distribution expenses and, like other expenses, are factored into the price structure of MetLife’s Institutional Business products.

A. CUSTOMER AUTHORIZATION FORM

MetLife requires customer consent by means of the Customer Authorization Form in order to include a Zero Commission Coverage and/or coverage for which the customer is paying a fee directly to the broker for qualification and/ or payment purposes. Both the broker and customer must sign the Customer Authorization Form. If a customer submits a Customer Authorization Form to MetLife for the 2009 Supplemental Compensation Plan, it will remain in effect for subsequent MetLife supplemental compensation plans unless the customer notifies MetLife in writing of its intention to terminate the authorization. MetLife may provide annual notices to customers who have submitted the Customer Authorization Form describing changes to its supplemental compensation plan from the prior year.

The customer may terminate the authorization at any time. Termination of the authorization will take effect within thirty (30) days after notification is received by MetLife and no payments in relation to that customer’s premium will be made thereafter under any MetLife supplemental compensation plan. In addition, such customer’s business will not be counted for tier qualification purposes.

In order for a broker to participate in the 2009 Supplemental Compensation Plan, the Customer Authorization Form must be completed and submitted via U.S. Mail, overnight delivery service, fax, or e-mail to one of the following contact points below by November 30, 2008:

Fax:	(800) 556-9430
E-mail:	ask4met@metlifeservice.com
Mail to:	MetLife P.O. Box 30160 Tampa, FL 33630

Supplemental Compensation will apply to the first billing date in 2009, after the date of receipt of the Customer Authorization Form by MetLife. MetLife will not consider the Customer Authorization Form to be received by MetLife until the form is received at one of the contact points listed above. If the form is submitted to another area of MetLife (for example, a MetLife sales office), MetLife will not consider the form to be received until it is received by MetLife at one of the contact points listed above, and the business may not be counted for Supplemental Compensation purposes. Any Customer Authorization Forms received by MetLife at one of the contact points listed above after November 30, 2008, will apply to payment only and will not affect the broker’s Tier for the 2009 Supplemental Compensation Plan. Click here to download a PDF version of the form now.

Compensation paid under the MetLife supplemental compensation plan is an overhead expense of MetLife and MetLife does not add the cost of supplemental compensation to the price of a customer’s MetLife product except as an allocation of overhead expense. The price of a MetLife product and the impact broker compensation may have on price or premium depends on a variety of factors, and is determined solely by MetLife. MetLife reserves the right to exclude from its supplemental compensation plans any business where a broker may have represented that broker compensation paid under MetLife’s supplemental compensation plans with respect to a customer’s MetLife coverage will reduce the price or premium rates with respect to the customer’s coverage.

	Broker X Submitted the Customer Authorization Form by the November 30, 2008, Deadline	Broker Y did not Submit the Customer Authorization Form by the November 30, 2008, Deadline
Zero Commission Coverage Premium	$5M	$5M
Zero Commission Coverage Premium	$13.5M Tier B	$8.5M Tier A
Tier Percentage	1.00%	0.50%
Total Supplemental Compensation	$135,000	$67,500

When contacting MetLife by fax or e-mail, please state the topic of your request in the subject line and include pertinent details in the body of the message. Information needed to respond to your request may include the broker’s name, address, e-mail address, phone number, broker number, customer name and coverages.

Phone:	(888) 653-8325
Fax:	(800) 556-9430
E-mail:	ask4met@metlifeservice.com
Mail to:	MetLife P.O. Box 30160 Tampa, FL 33630

For any new business (including new customers or new coverages added for an existing customer) having an effective date on or after January 1, 2008, MetLife requires evidence of a customer’s receipt of MetLife’s compensation notice prior to paying Base Compensation, Supplemental Compensation or service fees.

Beginning in 2009, MetLife will send to all group insurance customers an annual statement indicating all compensation MetLife paid to the customer’s Broker of Record in the prior year. MetLife currently provides such information to group customers for whom ERISA requires such information to be provided.

Customer Authorization Form
     Completed and received by MetLife by November 30, 2008 – for qualification and payment purposes
     Completed and received by MetLife after November 30, 2008 – will apply to payment only

Tier Notification
     Tier Estimate – mailed in November 2008 to brokers qualifying for 2009 Supplemental Compensation
     Broker book of business corrections – due by November 30, 2008
     Official Tier Notification – mailed in January 2009 to brokers qualifying for 2009 Supplemental Compensation

1. “Annualized Billed Premium” – the billed premium amount during the Qualification Period, which is calculated as a monthly average and multiplied by twelve.
   EXAMPLE:
   The example below assumes a January 1 effective date with an initial bill due on January 1. The total billed premium ($6,100) is divided by the total number of bills (7) to calculate an average monthly bill ($871.43). The average bill is multiplied by 12, which provides the Annualized Billed Premium ($10,457.16).

   Billing Month	Estimated Monthly Billed Amount
   January	$1,000
   February	$900
   March	$1,100
   April	$1,000
   May	$800
   June	$700
   July	$600
   Total	$6,100

2. “Broker of Record” – the broker recognized as broker of record by both the customer and MetLife for the customer’s eligible group insurance coverage.

3. “Coverage Grouping” – one or more coverages or group products or services marketed by MetLife that are eligible for qualification and payment under the Supplemental Compensation Plan.

4. “Division Number” and “Experience Number” – terms used internally by MetLife. A Division Number or Experience Number may be used to identify sub-groups within a customer. For example, a customer may choose to have one sub-group of its employees covered for basic life insurance benefits under one Experience Number and another sub-group of its employees covered for basic life insurance benefits under a different Experience Number. MetLife reserves the right to determine in its sole discretion whether to permit multiple Division Numbers or Experience Numbers under one customer.

5. “Inforce Premium” – the Annualized Billed Premium for customers whose group coverages are in force on the last day of the Qualification Period. Inforce Premium does not include premium for Zero Commission Coverages where MetLife has not received a signed Customer Authorization Form by the deadline set forth in this brochure. If MetLife receives a Customer Authorization Form by the deadline set forth in this brochure for a Zero Commission Coverage, then the Zero Commission Coverage will be included in Inforce Premium.

6. “Opt-out” – the act of electing to exclude a broker’s Tax ID, customer, Division Number, Experience Number and/ or Coverage Grouping from participating in the Supplemental Compensation Plan. This can be accomplished by contacting the Broker Service Center.

7. “Received and Earned Premium” – the premium paid by a customer to MetLife and allocated by MetLife to MetLife’s loss experience, expense and profit for the customer’s case, and used to calculate base compensation.

8. “Tax ID” – an individual’s social security number or a firm’s taxpayer identification number.

9. “Tier” – the row in Table 1 or Table 2 reflecting the broker’s 2009 Supplemental Compensation percentage.

10. “Zero Commission Coverage” – group coverage where the Broker of Record is not receiving base compensation from MetLife, whether or not MetLife or the customer pays any amount to that broker. Both the broker and customer must sign the Customer Authorization Form to include a Zero Commission Coverage in the Supplemental Compensation Plan for purposes of determining eligibility and Supplemental Compensation payable. Once a Customer Authorization Form is completed and submitted to MetLife for the 2009 Supplemental Compensation Plan, it will remain in effect for subsequent MetLife supplemental compensation plans unless a customer notifies MetLife in writing of its intention to terminate the authorization.