Auto and Home Insurance

(1)

Growing Your Business

A Road Map to Success

(2)

70 %

of eligible employees would consider

purchasing auto and/or homeowners insurance if

their company offered it.

MetLife Auto & Home Group Awareness Survey conducted by Harris Interactive, 2013.

Total employer-sponsored auto and home market

size is over $3 billion with a projected 2-year

compound annual growth rate of

4.2 %

LIMRA data, based on enrolled lives as of December 31, 2012.

Before building a new house you need

a plan to create a strong foundation.

Before starting your car you need a plan

to reach your destination.

The road to

success starts with a solid plan.

This broker kit is designed to help you

construct your own customized strategy

to introduce auto and home insurance

to your customers.

80 %

of employees report that they value benefits

that are personalized for their circumstances

and ages.

MetLife’s 12th Annual U.S. Employee Benefit Trends Study, 2014.

Construct a Solid Plan

EXPAND YOUR BENEFIT SUITE

ENHANCE EMPLOYER PORTFOLIO

DRIVE LOYALTY THROUGH DIVERSITY OF BENEFITS

(3)

DRIVE EMPLOYEE LOYALTY

Help employers retain top talent by saving employees money at work on coverage that they need – and provide an opportunity for them to channel the money they save toward other benefit options.

INSTALL wITH EASE

Bring your customers a new benefit option that is easy to install and administer – all without adding to their costs.

DIVERSIFY YOUR PORTFOLIO

Non-traditional voluntary benefits like auto and home insurance offer a fresh way to expand your customer relationships and grow your business.

GENERATE NEw REVENUE STREAM

Introduce a new benefit option that provides an additional and ongoing revenue stream with annuity-like growth.

Why Auto and Home

(4)

MetLife has current relationships with over 50,000 employers in the U.S. However, 96% of these customers do not offer MetLife Auto & Home®_{as a voluntary benefit. Let’s examine how one broker} can positively affect their revenue stream by adding auto and home to their existing cases.

BROkER BACkGROUND

Our broker has 100 current employer customers with an average case size of 500 employees. MetLife Auto & Home products are not currently in their portfolio offering for these 100 customers.

BROkER OPPORTUNITY / APPROACH

Our broker decides to offer their 100 employer customers MetLife Auto & Home insurance.

Emphasizing the importance of employee loyalty, easy installation, diversification of product portfolio and an ongoing revenue stream, the broker developed an enrollment and marketing strategy which consistently communicates the value of the benefit to employees:

> Include payroll deduction as a payment option for employees.

> Receive agreement from customer that this benefit should be communicated three times a year.

> Emphasize additional marketing opportunities such as email campaigns and local agent engagement.

BROkER RESULTS

> 10% of the 100 employer customers decide to add auto and home to their benefit suite.

> Additional and Ongoing Revenue Stream = 4% Commission on New and Renewal Premium.

> 10 new relationships generated $60,000 in New Business written Premium in Year 1.

> Five Year Gross Revenue for the 10 New MetLife Auto & Home cases*= $775,000 New and Renewal Premium.

> Five Year Total Broker Commission Paid = $31,000.

Making the Case for Auto and

Home Insurance

4

(5)

MetLife Auto & Home Offers:

EXPERIENCE AS THE MARkET LEADER in the employer-sponsored marketplace.

A wIDE RANGE OF AUTO AND HOME PRODUCTS with industry-leading features like group discounts and customized pricing based on a company’s specific results and their industry.

DEDICATED RESOURCES FOR ENROLLMENT SUPPORT to partner with each customer in developing customized, proven enrollment plans that drive participation.

EASE OF ADMINISTRATION AND SERVICE with a single point of contact and integrated service across all MetLife products.

Your Strategic Benefits Advisor

Keys to a Successful Program:

PAYROLL DEDUCTION

The ease of payroll deduction is a compelling feature to incent employees to purchase and retain an auto or home

product purchased in the workplace.

STRATEGIC COMMUNICATIONS PLAN

The development of a comprehensive, integrated communications plan utilizing proven communication tactics

drives optimal results.

ENROLLMENT STRATEGY

A carefully constructed enrollment strategy* at the point-of-sale ensures higher levels of awareness

and participation.

DECISION MAkER

Identify your customer’s decision maker to help navigate potential pitfalls in onboarding a new benefit and champion

efforts to improve performance.

(6)

How to Build Your Business!

Full Speed Ahead:

Put your foot on the pedal.

Learn how to target the

right customers for auto

and home insurance.

Navigate the sales process.

And, drive employers to

add this benefit.

On Your Mark. Get Set. Go:

Contact your MetLife Representative for a strategic

discussion about building your auto and home business:

a. Review product suite.

b. Obtain the licensing procedures. c. Create a prospecting list.

1. Confirm you are property and casualty licensed.

2. Identify qualified candidates and develop a plan to add

group auto and home to their benefits program.

3. Construct an account plan with your MetLife

Representative to grow your business.

we Can Help:

With over $3 billion

in premium, MetLife

Auto & Home is

the nation’s

leading provider

of

employer-sponsored

group auto and

homeowners

insurance.

AM Best, personal insurance U.S., excl. Terr. by direct written premium.

(7)

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices at 700 Quaker Lane, P.O. Box 350, Warwick, RI 02887. Coverage, rates, and discounts are available in most states to those who qualify.