Long-Term Care Insurance (LTCI)

Coverage RidersMetropolitan Life Insurance Company (“MetLife”)

P l anning f or

Longevity

ADF#1374.04 (rev.12/04)

5% Automatic Compound InflationProtection Rider (1)

Benefits increase each year (on a compounded basis) with no corresponding rate increase

With this rider, your Daily Benefit Amountand the balance of your Total LifetimeBenefit at the end of the prior policy year willautomatically increase by 5% each yearwithout a corresponding increase to yourpremium. The benefit increases continueeven while you are benefit eligible. Bypurchasing Compound Inflation Protectionnow, you may not have to think aboutbuying additional Long-Term CareInsurance coverage in the future to keep upwith rising costs of care.

(1) In Wisconsin, a 3% Automatic Compound Inflation Rider is also

available on all policies.(2) Not available in Indiana or Wisconsin, or with California,

Connecticut, Indiana or New York Partnership plans. In Ohio thisrider is referred to as the “5% Auto Simple Benefit Increase Rider.”

AChoice of

Coverage

Riders Lets You

Tailor Your Policy to

Your Specific Needs

“One size fits all” is not ourapproach. At Metropolitan LifeInsurance Company (“MetLife”), we understand that not allindividuals and couples have thesame Long-Term Care Insuranceneeds. Instead, MetLife providesyou with a choice of coverage ridersthat can help you tailor your policyto your current and future lifestyleneeds. The available riders fall intothese three basic categories:

• Benefit Increase Riders

• Policy Riders

• Flex-Pay Riders

Learn how these coverage riders canadd even more value to your Long-Term Care Insurance policy.

Not all riders are available with allpolicies or in all states.

• Not A Deposit Or Other Obligation OfBank • Not FDIC Insured • Not Insured

By Any Federal Government Agency • Not Issued, Guaranteed Or UnderwrittenBy Bank Or FDIC • Not A Condition To TheProvision Or Term Of Any Banking Service

Or Activity • Policy Is An Obligation Of The Issuing Insurance Company

With Automatic Compound Inflation Protection Rider

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Benefit Increase Riders

5% Automatic Simple Inflation Protection Rider (2)

Benefits increase each year (on a simple basis) with nocorresponding rate increase

With this rider, your Daily Benefit Amountand the balance of the Total Lifetime Benefityou originally selected will automaticallyincrease by 5% each year without acorresponding increase to your premium.The benefit increases continue even whileyou are benefit eligible. Simple InflationProtection will allow your policy to keep upwith future rising care costs without havingto purchase additional coverage later.

Future Purchase Rider (3)

Gives you the ability to increase your coverage as needed in the future

With this rider, your current Daily BenefitAmount and the balance of your TotalLifetime Benefit will increase by 5% everyyear (4) without your having to provideevidence of good health, unless you rejectthe offer in writing. The cost of any increaseto your coverage will be based upon yourage and premium rates at the time theincrease takes effect. If you decline anincrease offer two times in a row, you willno longer receive the offers automatically.(This option is not available when youchoose any of the Flex-Pay Riders.)

(3) Not available in Pennsylvania, or with California, Connecticut,

Indiana or New York Partnership policies.(4) These increases will not be available to you if you are eligible for

benefits under your policy on the date the increase is to take effect.

Choosing one of these Benefit Increase Riders can help maintain thevalue of your coverage over time. Since Long-Term Care Insurance issomething you likely will not need immediately, a Benefit IncreaseRider can help ensure your coverage remains current with the costs ofservices. (If you do not select one of the Benefit Increase Riders, you willbe issued a policy with no Inflation Protection.)

With Automatic Simple Inflation Protection Rider With Future Purchase Rider

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(5) The Premier policy uses Calendar Days to calculate theElimination Period.

(6) This rider not available with Facilities-Only and PremierPolicies.

(7) “Couples” includes spouses and, where permitted by

law, Civil Union Partners and Domestic Partners.

(8) May contain some limitations in certain states.

Policy RidersYou can customize your Long-Term Care Insurance coverage by adding one or more of these valuable Policy Riders.

“Couples” Policy Riders (7)

Designed specifically for couples, considerhow the following riders can help youmake the most of your policy benefits.

Shared Care Rider (8)

Maximize the value of your coverage when youapply with your spouse and choose the SharedCare Rider. This rider offers extra financialsupport, allowing you to “share” each other’sTotal Lifetime Benefit. Should one spouse needlong-term care services and depletes his or herown Total Lifetime Benefit, he or she can tapinto the Total Lifetime Benefit of the othercovered spouse.

The Shared Care Rider may also help upon the death of a spouse. When this happens, thedeceased spouse’s remaining Total LifetimeBenefit becomes fully available to the otherspouse. This extra measure of financial support can be especially helpful if one ofyou has to face long-term care alone. Bothspouses are required to purchase and maintainidentical coverage.

Paid-Up Survivorship Rider

The Paid-Up Survivorship Rider providesfinancial relief for a surviving spouse when theother spouse dies. If the rider is in effect for 10 years and no benefits are paid to you or your insured spouse during this time, then thesurviving spouse will be entitled to a paid-uppolicy when the other spouse dies.

Elimination Period (“EP”) Policy Riders

To help keep premiums affordable, yourbenefits begin after the EliminationPeriod(5) (or waiting period) that youselect. You only have to satisfy thisperiod once in your lifetime, and thedays do not have to be consecutive.Selecting one of the riders below mayshorten your Elimination Period.

Calendar Day Rider (6)

With the Calendar Day Rider, once you arebenefit eligible, each day you receive qualifiedcare in your home or in the community, andeven days you don’t receive care, will counttoward satisfying your Elimination Period forhome care. This rider enables you to access yourhome or community-based care benefits sooner.

Home Care Elimination Period Waiver (6)

When you choose this rider, you have a “zeroday” Elimination Period for home andcommunity-based care. Therefore, you do notneed to wait to receive benefits. This rider givesyou fast access to your policy benefits.Additionally, the days that home care isprovided count towards satisfying your FacilityCare Elimination Period.

Both, the Calendar Day Rider and Home CareElimination Period Waiver include a“Supplemental Items Allowance,” which pays amaximum Lifetime Benefit Amount of up to 50xthe selected Daily Benefit Amount for charges youincur for items such as durable medical equipmentand home modifications (e.g., for wheelchairaccess). The Supplemental Items Allowance will be paid to you as soon as you are eligible for benefits(you do not need to satisfy your EliminationPeriod) and need equipment or home modificationsthat will allow you to live more comfortably.

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Additional Policy Riders

Indemnity Rider(Available with Value policy only)

The Indemnity rider pays your full DailyBenefit Amount each day a covered service isreceived regardless of the actual cost for thatservice. For example, if your services cost $100 a day and your Daily Benefit Amount is$150, MetLife will pay you the full $150 andyou have $50 to spend as you see fit.

Nonforfeiture Rider

With the Nonforfeiture Rider, you can counton receiving benefits from your policy even if you cannot continue making your premiumpayments. As long as you have paid yourpremiums for at least three years (or yourpremiums have been waived), you will beentitled to a reduced Total Lifetime Benefit(the greater of the sum of all premiums paidor waived under the policy or 30x the DailyBenefit Amount).

Return/Refund of Premium Rider (9)

With this rider, all your Long-Term CareInsurance premiums, less any benefits paid or payable by MetLife, will be returned toyour estate, or your designated beneficiary,upon your death as long as your policy hasbeen in effect for ten policy years.

Restoration of Benefits Rider

(Not available with Premier policy)

The Restoration of Benefits Rider restores allor part of your Total Lifetime Benefit shouldyou recover from a benefit eligible conditionor illness. As long as your Total LifetimeBenefit has not been exhausted and you havenot been chronically ill for 180 days, you maybe able to fully restore your Total LifetimeBenefit for future protection against long-term care expenses.

(9) Not Available in New Jersey or Washington (state).

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MetLife lets you customize the way you pay premiums to fit your present and future financial situation. Take a look at these four “Flex-Pay” Riders andconsider which one is best for your budget.

Ten-Year Premium Payment Rider Example: (10)

Your premium without the rider: $1,000

Your premium with this rider: $2,880

(Premiums are paid up after ten years)

Flex-Pay Riders

Ten-Year Premium Payment Rider

Lets you pay up your policy in ten yearsYour policy becomes completely paid for on your10th policy anniversary.

Why you might choose this optionYou’re a younger individual who knows theimportance of purchasing coverage early in life,or you simply want to pay up your policy quickly.You have decided that paying more now makessense financially for you and your family. Onceyou have paid your premiums for ten years, yourpolicy will become completely paid up and will beaccessible should you need to access benefits in the future.

Paid-Up Premiums Rider

Lets you pay up your policy at age 65 With this rider, your policy is considered fullypaid-up on your policy anniversary following your 65th birthday or after ten years of payment,whichever comes later.

Why you might choose this optionIf you are age 55, or younger, and planning for a comfortable retirement. By budgeting to payincreased premiums now while still earning anincome, your policy will be paid up by yourplanned retirement. You like knowing your policy will be there for the long-term, but yourpremiums won’t be.

• Choosing any of these payment riders may impact the tax-deductibility of your premium. Please consultyour tax advisor for further clarification.

• Flex-Pay Riders may not be available with other policy riders.

Notes: Choosing one of these Flex-Pay Riders still allows you to structure your payments monthly, quarterly, orannually. Regardless of which rider you choose, MetLife will track your discounts and premium adjustments foryou. Your bills will automatically reflect your chosen discounts or reductions in premiums at the time they arescheduled to take effect.

Above based on hypothetical illustration. These rates arenot actual rates.

(10) Examples shown are for illustrative purposes only and do not take into account the time value of money (i.e., that because ofinflation, a dollar in the future has less value than a dollar today). Premiums are based on age at the time of purchase and willvary with the amount of benefits selected.

Above based on hypothetical illustration. These rates arenot actual rates.

Paid-Up Premiums Rider Example: (10)

Your premium without the rider: $1,000

Your premium with this rider: $2,000

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Reduced-Pay at Age 65 Rider

Lets you cut premiums in half at age 65With this option, once you turn 65, you payhalf the premium amount you paid for the policy before turning age 65. The reduced payments begin on the policy anniversary on or after your 65th birthday.

Why you might choose this optionYou’re concerned about keeping up withpremium payments during retirement whenyou may be on a fixed income or simply want to use finances for things other than insurance premiums.

Double-Pay First Year Rider

Pay more initially, save laterWith this option, you pay twice your regularpremium amount for the first policy year inreturn for an 8% or 10% premium discount(depending on age) off the regular premiumamount for each year after the first.

Why you might choose this optionYou’re a price shopper who likes the idea ofpaying more up front, so that you can pay lesseach year thereafter. Doubling up your paymentfor just one year makes sense, because you canpay less in retirement.

Double-Pay First Year Rider Example: (10)

Your first year premium without the rider: $1,000

Your first year premium with this rider: $2,000

Your premium the second year and beyond with this rider: $900

These examples are based on hypothetical illustration.These rates are not actual rates.

Reduced-Pay at Age 65 Rider Example: (10)

Your premium without the rider: $1,000

Your premium with this rideruntil age 65: $1,400

Your premium at age 65* andbeyond with this rider: $700

*Reduced premium takes place on your policy anniversary — on or after your 65th birthday.

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The MetLife Long-Term Care Insurance Company’s (“MetLife”) Long-Term Care Insurance policies are guaranteedrenewable. This means that once a policy is issued, it cannot be cancelled due to an increase in your age or a change inyour health. Premium rates can only be raised as the result of a rate increase made on a class-wide basis in the statewhere the policy is issued and approved by the Department of Insurance.

Like most Long-Term Care Insurance policies, MetLife’s policies contain certain exclusions, limitations, eliminationperiods, reductions of benefits and terms for keeping them in-force. For complete costs and details, please contact yourMetLife Representative/Insurance Agent/Producer.

This advertisement describes coverage offered by MetLife policies. Depending on state availability, coverage may beoffered by the following MetLife policies: LTC2-VAL, LTC2-IDEAL, LTC2-PREM, LTC2-FAC. In some states, coveragemay be offered by the above-referenced policy number followed by the state’s 2-letter abbreviation; the state’s 2-letterabbreviation plus “ML” for Multi-Life policies; or the state’s 2-letter abbreviation plus “P” for Partnership policies.

Metropolitan Life Insurance CompanyNew York, NY 10166www.metlife.com

LTC01959(BB)(1106) © 2004 METLIFE, INC. L0411ENT2(exp0707)(xCA)MLIC-LDPEANUTS © United Feature Syndicate, Inc.