METLIFE FINANCIAL SERVICES PERSONAL PRODUCTS & SERVICES 1. LIFE INSURANCE (Term - Universal - Variable - Whole) 2. DISABILITY INCOME INSURANCE 3. HEALTH INSURANCE* 4. HMOs* 5. MORTGAGE PROTECTION & EARLY PAYOFF 6. RETIREMENT PLANNING 7. EDUCATION FUNDING 8. TAX-DEFERRED ANNUITIES (Fixed and Variable) 9. IRAs (Consolidation and minimum distribution service) 10. ROTH IRAs 11. MUTUAL FUNDS** 12. ESTATE [ANALYSIS / PRESERVATION/CONSERVATION] 13. ROLLOVERS FROM QUALIFIED RETIREMENT PLANS 14. FINANCIAL NEED ANALYSIS 15. LONG TERM CARE INSURANCE * 16. HOMEOWNERS INSURANCE+ 17. AUTO INSURANCE+ 18. LUMP SUM DISTRIBUTIONS 19. PENSION PAYOUT ALTERNATIVES 20. CAREER OPPORTUNITY WITH METLIFE FINANCIAL SERVICES (EOE) BUSINESS PRODUCTS and SERVICES 1. PAYROLL DEDUCTION LIFE INSURANCE (Voluntary Permanent Life) 2. GROUP HEALTH BENEFIT* 3. GROUP DISABILITY 4. SIMPLIFIED EMPLOYEE PENSIONS (SEP) 5. SIMPLE IRAs 6. 401(K) PLANS 7. KEOGH PLANS 8. BUSINESS OVERHEAD PROTECTION 9. KEY PERSON INSURANCE 10. BUSINESS DEBT LIQUIDATION 11. BUY-SELL AGREEMENT FUNDING 12. CAFETERIA PLANS - IRS SECTION 125* EXECUTIVE BENEFITS 1. EXECUTIVE BONUS 2. SPLIT DOLLAR FUNDING 3. DEFERRED COMPENSATION     * Some health products are offered by unaffiliated insurers through MetLife General Insurance Agency, Inc., New York, NY 10010 ** Offered by MetLife Securities, Inc., One Madison Avenue, New York, NY 10010 + Offered by Metropolitan Property & Casualty Insurance Company and Affiliates, Warwick, RI. Not available in all states. %AG_LICENSE L9905HKDG(exp1205)(xFL,UT)MLIC-LD