our value proposition

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New England FinancialNew England Financial

A Leader in Our IndustryA Leader in Our Industry

L0310095865[exp0312][All States]

DO NOT DISTRIBUTE • FOR INTERNAL USE ONLY • 2

Agenda

• Our CompanyOur Company

• Leadership CommitmentLeadership Commitment

• Growing Your BusinessGrowing Your Business

• Total Value PropositionTotal Value Proposition


A Leader in Our Industry

#1 In-force Life Insurer in USA*

#1 in New Annuity Sales Premiums**

$4.035 Trillion Life Insurance In-Force*

70 Million Clients Worldwide

$501.7 Billion in Total Assets***

* AM Best rankings as of 12/31/08 based on total life insurance in-force. ** Rank as of 12/31/08 based on LIMRA Industry Individual Annuity Sales Report for 2008 *** MetLife consolidated Balance Sheet data as of 12/31/08 from Press Release of 04/30/09 announcing 1Q09 earnings results.

MetLife is a leading provider of insurance and other financial services to over 70 million clients around the world



1. MetLife Companies2. Prudential of America Group

3. Aegon USA Group

4. ING USA Life Group

5. Swiss Reins Group

6. RGA Group

7. AIG Life Group

8. Lincoln Financial Group

9. Northwestern Mutual Group

10. New York Life Group

11. Hartford Life Group

12. Protective Life Group

13. Genworth Financial Group

14. Great West Life Group

15. Munich Amer. Reassurance Group

Life Insurance In-force*

*Source-AM Best – rankings as of 12/31/2008 Based on USA total Life Insurance In-force.



Ranked Top 10 in These Individual Product Lines

Who else can say this?

• Whole Life

• Term Insurance

• Universal Life

• Variable Universal Life

• Variable Annuity

• Fixed Annuity

Source: LIMRA, 12/31/2008, Based on LIMRA premium – Recurring +10% Single + 10% Excess, Includes all subsidiaries of MetLife, Inc. Top 10 Premium rank

• Individual Disability

• Long-Term Care


Individual Distribution’s Vision

To have a world class, profitable channel of

Financial Advisors focused on the needs of

our clients


Leadership Commitment: Face to Face

“Our ability to help customers build their personal

safety nets is more important than ever before and

will continue to differentiate us in the marketplace.

We should be confident in our Company and in the

strengths which make us unique, including the

commitment and focus that (we) bring to meeting

the needs of our customers. As we have for more

than 140 years, we will successfully navigate

through these turbulent times.”

C. Robert HenriksonC. Robert Henrikson

Chairman, President and Chief Executive Officer


Leadership Commitment: Face to Face

Michael J. Vietri, CLUMichael J. Vietri, CLU

Executive Vice PresidentIndividual Distribution

"The need for trusted financial advice has never

been greater.

Now more than ever, with the increasing

complexity of financial markets combined with the

American retirement crisis, fast-growing

multicultural population and needs of small

business owners, a trusted financial advisor is

needed to help create financial freedom and

security.

And with this year benchmarking more than 140

years of delivering on promises, innovation and

growth, there has never been a better time to be

with MetLife.”


Leadership Commitment: Accessibility

Top Producers have Access to Top Management…

…to openly discuss issues and concerns

…to influence prioritization

...to explore and open potential new markets

.


Leadership Commitment: Core Values

10

• People Count

• Integrity & Honesty

• Innovation

• Financial Strength

• Partnership

• Personal Responsibility

MetLife’s Core ValuesMetLife’s Core Values

The essence of your client relationships and the foundation of your business


Leadership Commitment

Partnering with you to

• Gain and strengthen client trust

• Maintain the highest standards

• Demonstrate compliance with legal

and regulatory requirements

Strengthening client relationships• Via a commitment to service

• With a best-in-class quality assurance program

• Through industry-leading products and services

Clarifying the complex through• Continuing education and training

• Clear compliance and regulatory

guidelines

• Demonstrated industry leadership

Offering strong support by• Providing assistance to help you

meet regulatory compliance requirements

• Maintaining an open line of communication with Top Producers


Leadership Commitment: MetLife Brand

One of the strongest brand names in the industry

Supported by National and Local PRINT and TV advertising plan, in markets that will grow the bottom line

Designed to address needs of today’s consumers and MetLife’s capabilities


Growing Your Business

Proven solutions to help grow your business

• Practice Management support and resources to help run your business

• Personal branding to enhance your reputation as a financial professional in your community

• Best-in-class products and services to offer your clients

• Dedicated Service Program for top producers to support your sales and your clients


Growing Your Business: Practice Management

• Resources & Tools assess your practice and support your focus on 5 critical areas: People, Process, Marketing, Technology & Knowledge

• Professional Development knowledge-building opportunities, including: access to expertise and fellow financial professionals via in-person development and virtual events, industry affiliations and 100% reimbursement for designations

• Professional Business Coaching execute on your plans for practice and professional growth

• Staff Support & Development run your practice efficiently and

build your client service proposition

• Practice Continuity (Succession) Planning protect the practice you have built, stand by the commitments you have made to clients and realize the value of your life’s work


Growing Your Business: Your Personal Brand

• Customized Brochures promoting you and your practice

• Newsletters and pre-approved publications targeted to specific markets (e.g., CPA’s, small businesses)

• Turn-Key Customizable Websites to promote your practice

• e-Relationship e-mail marketing platform with hundreds of electronic cards, newsletters and articles

• By-Lined Articles that are professionally written and compliance approved that focus on timely financial topics

• Public Relations Electronic Self Service (PRESS) Pre-approved press releases to broadcast your achievements


Growing Your Business: Your Personal Brand

• eLeads web-based lead delivery system for prospecting and sales opportunities

– Available programs include: MetLife Advice, MetLife Advice for

Beneficiaries (DTP), ERWEC, Term Conversion and Hot Leads Programs

• Customizable local print and radio advertising

• Solution-focused seminar packages including the discounted Emerald Seminar Series

• Marketing Material Library with hundreds of approved letters, client presentations and brochures

• Contact Management System: CDS/SmartOffice your personal marketing database with a home office feed of clients and policy information to manage your practice

• MetDirect maximize cross-sell opportunities in your Book of Business and automatically send client birthday and annual review mailings


17

SmartOffice

• SmartOffice provides MetLife professionals with a web-based client management system to help growing Firms manage and communicate with their clients from anywhere, anytime.

• Value Added Features

• Contacts: Access client & prospect information

• Calendar: Effectively manage daily activities

• Communication: Track all correspondence

• Marketing: Segment clients for campaigns

• Delegation: Assign tasks to personal assistant

• Results: Track client results & recommendations


Sales ToolsYour Advocate Through the Sales Process

During times of uncertain financial conditions and market volatility, clients may require your guidance more than ever.

New England Financial’s sales tools will help:

• Manage clients• Market to existing relationships• Provide sound financial advice• Implement potential product solutions

Needs Analysis Planning Profiles

Forecaster & Professional

Retirement Distribution & Legacy Creation Wealth Suite/QPDA Retirement Road Map Retirement

Income Selector

Sales Support & Education Back

Room Technician


Growing Your Business: Best in Class Products and Services

Meeting Client Needs for Financial Freedom through a Broad Range of Products and Services

• Wealth Management Services

• Individual Life Insurance

• Financial Planning

• Retirement Planning

• Estate Planning

• Auto & Home Insurance

• MetLife Center for Special Needs Planning

• Qualified and Non-qualified Plans

• Disability Income Insurance

• Long-Term Care Insurance

• Investment and Advisory Products

• Annuities

• Business Insurance and Planning

• College Funding

• Banking Products

• Corporate Owned Life Insurance



20

Enterprise GAFull service general agency offering nonproprietary life, annuity, long-term care, disability income and health products from highly rated carriers to complement MetLife’s proprietary product and underwriting offerings

• Access to over 250 Life, Annuity, LTC and DI Carriers*

• Provide marketing material and illustrations

• Provide end-to-end management and case monitoring from application receipt through commission placing

• Facilitate appointments and licensing with outside carriers

• Coordinate the shopping of cases and exchange of information between MetLife and the industry

• Leverage Enterprise technology for consistent service experience (e.g., eNewBusiness, Intranet portals)

• Dedicated Transition Service and Sales Support

*Products offered by unaffiliated insurers through

Enterprise General Insurance Agency, Inc., 300 Davidson Avenue, Somerset, NJ 08873, a MetLife company.



Advanced Markets

Sophisticated, relationship-based case design• Sales-oriented solutions resulting from personalized case consultation

• Customized support

• Support for the “unknown” lies just a phone call away

• Enhanced “networking” through conference calls with client’s other advisors when needed

• Ability to “de-mystify” complex issues

High-impact training programs focused on practice development • Advanced Academy

• Estate & business planning schools

• Monthly webinars



22

Special Needs Planning

• The MetLife Center for Special Needs PlanningSM helps families navigate through the maze of legal and financial complexities that surround special needs planning

• Comprehensive training for qualified producers to become Special Needs Planners

• Case design support, marketing and support collateral, expanded underwriting guidelines and established partnerships with national non-profit organizations



• Estate/Legacy planning

• Tax efficient wealth creation

• Business succession planning

• Qualified retirement plans – Defined Benefit, 412(i), abc+, solo 401(k)

• Executive benefit programs– Executive Bonus, Split Dollar,

Deferred Compensation

• Case consultation and plan preparation

• Sophisticated training programs

• State-of-the-art software – Navi Plan

– eMoney

• Retirement distribution strategies

• Charitable planning

Small Business Clients

Comprehensive Fee-Based Planning

Affluent Clients



24

MetLife Broker-Dealer Group: Industry Leading Platform

• Access to over 250 mutual fund families

• Robust brokerage platform

• Strong suite of third party advisory relationships

• Comprehensive unified managed accounts

• Multiple alternative investment firm solutions

• Private wealth solutions division

• Innovative technology

• Dedicated transition service and sales support

• Broker-Dealer top producer service and support


Growing Your Business: Best in Class Products & Services

FUND FUND SELECT SELECT

FUND FUND SELECT SELECT

PREMIERPREMIER

ADVISOR ADVISOR SELECT SELECT

ADVISOR ADVISOR SELECT SELECT

PREMIER PREMIER PORTFOLIOS PORTFOLIOS

MANAGER MANAGER SELECT SELECT

MANAGER MANAGER SELECT SELECT

PREMIER PREMIER

Turnkey,

Mutual

Fund Wrap

Program

Flexible,

Mutual Fund

and ETF

Wrap

Program

Rep-managed,

General

Securities

Wrap

Account

Institutionally-

managed,

General

Securities

Wrap

Account

Separately Managed Account

Flexible, Unified Managed Account

$50,000 account minimum






Wealth Management Services (WMS):Spectrum of Product Choices for Every Client Need


• Professionally managed mutual fund portfolios

• Account Minimum: $10,000

• Advisory Fee to Client: Fixed at 1%

• Automated annual rebalancing

• Ongoing advice and consultation

• If suitable for clients, migrate to WMS as investments grow

Growing Your Business: Best in Class Products & Services

Fund Management Services (FMS) Advisory Platform:


MetLife Broker-Dealer Group Transition Services

27

Overview and Training

of Broker-Dealer

Systems

Client Announcement

Letters and

Broker-DealerTransfers

Review of Your Current

Business Modeland

CustomizedTransition

Plan

Assistance with

Appointmentswith

InsuranceProduct

Sponsors

MonitoringBrokerage Account Transfers


A Smooth and Seamless Transition

Dedicated professionals to ensure a successful transition

Our transition services include:

• A single point of contact at the broker dealer

• Review your book of business and identify any product, program and or selling agreement issues

• Assist you with the client notification letters, if applicable

• Provide assistance with appointment paperwork

• Assist you with the management of asset transfers, if applicable

• Track all account transfers and assist with any operational related issues

• Provide you with training as well as an overview of broker-dealer technology (eApp, bdWise, Investment Tracker)


MetLife Broker Dealer Group:Innovative Technology Solutions

29

From pre-sale to post-sale, the Broker Dealer provides you withtechnology to increase your ease in doing business and create efficiencies in your practice.

• State-of-the-Art Website

• Wall Street on Demand

• S&P ChartSource and Calculators

• Learning on Demand training

• Morningstar

• (Advisor Workstation/Principia)

• eApp and eApp with eSignature

• Investment Tracker

• Client View Access

• bdWise

• NetExchange Pro

• Client View Access

• Coms.com

• Personal Financial View


Growing Your Business:MetLife Pension Resource CenterSM

• Sales

• Marketing

• Technical Resource

• Education

• Product

• Plan Design

• Administration

• Actuarial Services

PEANUTS © United Feature Syndicate, Inc.

A consultative sales support team dedicated to helping you attract, implement and retain valuable pension, profit sharing and 401(k) business.



MetLife Plan Investigator represents a new state-of-the-art tool empowering the initiative to acquire qualified plan business, featuring:

• Consultative Qualified Retirement Plan Design

• Provider Shopping Service

• Fiduciary Investment Monitoring



PensionFact Finder

MetLife Pension Resource Center Consultative Group

Plan Design

Vendor Search

Investment Monitoring

Presentation Kit

- Custom Plan Design- Product Solutions/Pricing- Administration Services/Pricing- Performance & Fiduciary Profile

RR

Consultant


Growing Your Business: Dedicated Service

33

Business

Leaders

Concierge

EliteElite

1 Conference qualification subject to meeting minimum Recognition Credit requirements

Elite

• Reserved for Chairman’s Council qualifiers and their personal assistants 1

• Direct Access to the Elite Team, a dedicated group of experienced New England Financial service associates whose sole focus is meeting qualifiers business needs, via one toll free number

• Designated Life, DI, and LTC underwriters

• Dedicated LTC and EGA case managers

• Resolution or status of all requests within two hours of receipt

• Highest level of professional and personalized Service & Sales support that New England Financial has to offer

Practice Management

• Personal Assistant Program

• Public Relations Support

• Quotable Club

Marketing & Wholesaler Support

• Marketing Consultations

• Wholesaler Access

• Priority Pre-Sales Support

Advanced Markets

• Advanced Market Schools

• CPA CE Seminar program



34

Business

Leaders

Concierge

EliteElite

1 Conference qualification subject to meeting minimum Recognition Credit requirements

Concierge

• Reserved for President’s Conference qualifiers and their personal assistants 1

• Easy access to multiple service areas via one toll-free number

• Direct access to dedicated Life underwriter, LTC underwriter, LTC case manager, and Enterprise GA case manager

• Priority service from over 35 New England Financial service and sales support partners

Practice Management







Advanced Markets





35

Business

Leaders

Concierge

EliteElite

Leaders

• One exclusive easy toll free number to remember

• New business handled by a team of underwriters responding within 24 to 48 hours

• Dedicated Enterprise GA case manager

• Direct access to Advanced Markets and the Sales Material Review Unit


• Eligibility for special year-end Concierge Support for the Top 125 producers

Practice Management







Advanced Markets





Recruiting and on-boarding support for

Personal Assistants of Top Producers

• Customized candidate sourcing• Recruiting and staffing support• Streamlined Producer Toolkit – Tools and Resources to help you

recruit, retain and develop your Assistant• Assessing Your Needs • Job Descriptions and Activity Guidelines• Approved Newspaper Ads• Interview Guides

Training and follow-up support for Personal Assistants

• E-Technology learning on New Business Processing, Customer Service and General Administration

• Assistant Schools based on level of proficiency• Foundations of Success (introductory) • Building on Success (advanced) • Marketing for Success (marketing)

• Overall ongoing support

Top Producers are those who have achieved Elite, Concierge or Leaders level service


Total Value: NEF Compensation Package

• Competitive compensation programs

• Competitive wealth creation and benefits packages

• Recognizing and rewarding top performers

New England Financial enhances your ability to build your own financial freedom through:

The compensation and benefit information above is based on a hypothetical producer's status and is used for illustrative purposes only. It does not in any way reflect your actual situation and does not constitute a representation by New England Financial of the actual compensation or benefits that you would receive with New England Financial. Benefits are subject to eligibility requirements, including waiting periods. The compensation and benefit plans that are the basis for the following discussion are those currently offered at New England Financial, but these are subject to change or elimination by the Company. Actual Plan Documents will govern.


GDC Based Compensation & Additional Plan Credits

Medical & Dental

Life & Disability Insurance

Enterprise Support & Services

Stock Options


Top Producer Incentive Plan (TPIP)

NEF ValueNEF Value

Recognition

Retirement Plans (ARP/ADC/Excess)

Social Security & Medicare Employer Contributions


The compensation and benefit information above is based on a hypothetical producer's status and is used for illustrative purposes only. It does not in any way reflect your actual situation and does not constitute a representation by New England Financial of the actual compensation or benefits that you would receive with New England Financial. Benefits are subject to eligibility requirements, including waiting periods. The compensation and benefit plans that are the basis for the following discussion are those currently offered at New England Financial, but these are subject to change or elimination by the Company. Actual Plan Documents will govern.


The Value of Safeguarding your Practice adds to the value of your business

If…If… • you could use assistance to ensure that you are meeting all

compliance requirements

• you get sick or hurt and can no longer work

• there's a natural disaster and you’re temporarily out of business

• you need to plan the expansion of your practice

……

Total Value Proposition Summary

The compensation and benefit information above is based on a hypothetical producer's status and production in 2006 and is used for illustrative purposes only. It does not in any way reflect your actual situation and does not constitute a representation by MetLife of the actual compensation or benefits that you would receive with MetLife. Benefits are=subject to eligibility requirements, including waiting periods. The compensation and benefit plans that are the basis for the following discussion are those currently offered at MetLife, but these are subject to change or elimination by the Company.


Retirement Plans:Defined Contribution Plan

Agent’s Retirement Plan (ARP)1

Eligibility• Participation is automatic upon becoming a full-time agent* of the company under contract, with entry

date the first of the month following your start date

Company Contribution• The company contributes 5% of your eligible compensation** (subject to IRS limits)• Contributions are made to a non-qualified auxiliary plan if eligible compensation is over IRS limits• Vesting—25% per year after two years with 100% vesting after five years of service

Participant Contribution• Participants may contribute from 1% to 10% of Eligible Compensation** to the plan on an after-tax

basis in addition to the company contribution

Features• Several investment options are available

1 The Plan documents will govern all cases*Second-line Managers and Developmental Managing Partners are also eligible. Financed, intern, corporate and disabled agents are not eligible

**As defined by the Plan


Retirement Plans:Qualified Deferred Compensation Plan

Agent’s Deferred Compensation Plan (ADC)1

Eligibility• Participation is automatic and entry date is the first of the month following 2 full years of service

Company Contribution• The company contributes 11.67% of your eligible compensation* (subject to IRS limits)• You are immediately vested in the Plan upon becoming eligible to participate

Features• Several investment options are available• Loans are available subject to terms of the Plan

1 The Plan documents will govern all cases* As defined by the Plan


Retirement Plans:Nonqualified Deferred Compensation Plan

Top Producer Incentive Plan (TPIP)1

• No cost to you• Two qualification levels – varying contributions based on Chairman’s and

Master’s conference qualifications• Generally must be continually active for a five-year period• Various investment options• Normal distribution: Lump sum at later of age 65 or vesting• Other distribution options may be available

1 The Plan documents will govern all cases* As defined by the Plan


Retired Agent

For you:

• Seamless transition to your retired status

• Ability to qualify for the same payout rates as active reps

• Retention of same book of business controlled while active *

• Ability to service same clients you had when active

• ERA and Cost of Goods and Services continues to be determined locally

• Can qualify for All Recognition Conferences

• Retired agents are considered non-benefitable and, as such, receive the 5% of FY GDC on the normally benefitable products

For your client:

• Retain your experience for all of the "ifs" in life

* Assumes Rule of 85, production and other requirements are met, including local management approval.


NEF Total Value Proposition Summary

Combining the Value of Company

Programs and Contributions with

the illustrated Compensation

creates the Total Value Proposition

*Assumes 1st Year Production**Assumes 57% Grid Rate***Does not include local value

This is a hypothetical example for illustrative purposes only. It is based on a President’s Conference Qualifier contracted under the SummitEXP1 Compensation Plan

44% Traditional Life, 5% LTC/DI, 6% MF, 40% Annuities, 5% WRAP


40

Aim High and Qualifyfor Conference!

President’s Elite

Qualification Requirements:660,000 Recognition Credits

For full recognition conference requirements, log onto the FieldFIRST portal, then select the Recognition Home page under the Field Growth & Development tab

Leaders ConferenceBoca Raton Resort & Club

Boca Raton, FloridaMay 26-29

Qualification Requirements:200,000 Recognition Credits

Masters ConferenceThe Ritz-Carlton Kapalua

Kapalua, HawaiiApril 20-24

Qualification Requirements: 355,000 Recognition Credits

Fairmont Le Montreux PalaceMontreux, Switzerland

2010 Recognition Conferences


Recognition – Keeping Track

•Weekly Recognition Bulletins

•On-Line Recognition Scorecard

•Recognition Conferences

•MDRT Credits


• Hall of Fame

• Top of the Tower

• Golden Laureate

• Life Member of Masters

NEF Career Recognition


And There’s Much More !

New England Financial offers the following additional benefits*:

• Medical and dental plan coverage

• Basic life & AD&D insurance at no cost to you

• Optional supplemental and dependent life insurance

• Flexible Spending Accounts – health care and dependent care

• Optional long-term and short-term disability insurance

• Access to post retirement health and welfare benefits for those that work until retirement

• Long-term care insurance

• Employee Assistance Program

• Auto & Home insurance at group rates

• Matching Gifts program and more

*Eligibility of all benefits is subject to terms of plan and other governing documents



GDC Based Compensation & Additional Plan Credits

Medical & Dental

Life & Disability Insurance

Enterprise Support & Services

Stock Options

Top Producer Incentive Plan (TPIP)

NEF ValueNEF Value

Recognition

Retirement Plans (ARP/ADC/Excess)

Social Security & Medicare Employer Contributions


Who else provides such a rich

Top Producer support program?

There’s never been a

better time!

There’s never been a

better place!


Why Are Your Peers Joining New England Financial?

Strength• “Well known (brand); trustworthy; long term reliability”

• “…positive attitude and high energy at MetLife”

Support• “…an established local agency, offering very strong front and back office support”

• “Keep my book of business, but add more value”

Opportunity• “…needed to upscale my business”

• “…earnings potential; benefits package”

Source: MetLife Individual Business Marketing Research, April 2006


President’s Elite

Leaders ConferenceBoca Raton Resort & Club

Boca Raton, FloridaMay 26-29

Masters ConferenceThe Ritz-Carlton Kapalua

Kapalua, HawaiiApril 20-24

Fairmont Le Montreux PalaceMontreux, Switzerland

2010 Recognition Conferences

So join the number one company in the industry and we’ll see you here!


New England Financial is an equal opportunity employer

For Recruiting Purposes Only

New England Financial is the registered mark for New England Life Insurance CompanyNew England Life Insurance Company

501 Boylston StreetBoston, MA 02116-3700

Securities products offered through Registered Representatives of New England Securities Corp, a broker/dealer member FINRA, SIPC.Investment Advisory services offered by Investment Adviser Representatives of New England Securities, a Registered Investment Adviser. New England Life Insurance Company and New England Securities are affiliates.

our value proposition

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