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L1022026506[exp1024][All States][DC]

Metropolitan Life Insurance Company, New York, NY 10166

L1022026506[exp1024][All States][DC]

Metropolitan Life Insurance Company, New York, NY 10166

Group Voluntary Insurance Benefits

ADF# MULTI1825.18

Accident, Hospital Indemnity, Critical Illness, MetLife Legal Plan,

MetLife Pet Insurance and Identity & Fraud Protection

L1022026506[exp1024][All States][DC]

Accident & Health

Insurance – Key features

Accident, Critical Illness, and

Hospital Indemnity Insurance

Guaranteed issue coverage

Payments are made directly

to you to spend as you choose

Claims are paid fast

Take coverage with you if you change jobs or retire

L1022026506[exp1024][All States][DC]

Metropolitan Life Insurance Company, New York, NY 10166

Accident Insurance–Over 150 covered events

AI7

• Fractures/Dislocations

AI1

• Concussion

• Coma

• Ruptured Disc

• Torn Cartilage in Knee

• Cuts/Lacerations

• Torn/Ruptured/Severed

Tendon/Ligament

• Broken Tooth

Injuries

• Dismemberment & Loss

• Catastrophic

Dismemberment & Loss

• Paralysis

Dismemberment,

Loss & Paralysis

• Air/Ground Ambulance

• Emergency/Non-Emergency

Care

• Physician Follow-Up

• Transportation

• Therapy Services

• Pain Management

• Blood/Plasma/Platelets

• Inpatient Surgery

• Outpatient Ambulatory

Surgery

Medical Services

& Treatments

• Accidental Death

• Common Carrier

AI4

Accidental Death

• Admission

• Confinement

• Admission – Intensive Care

Unit (ICU)

• Confinement – ICU

• Inpatient Rehabilitation Unit

Hospital

AI2

– Accident

• Lodging

AI5

• Health Screening Benefit

(Wellness)

AI6

• Organized Sports Activity

and Injury Rider

Additional Benefits

ADF# AI962.16

Here are just a few!

L1022026506[exp1024][All States][DC]

Accident Insurance – Plan breakdown

You have a choice of two plans: Low Plan and High Plan

Inpatient Rehabilitation

$75

15 days per accident;

30 days per calendar year

$150

15 days per accident;

30 days per calendar year

Hospital coverage

AI2

(due to an Accident)

$1,000

admission benefit per accident

$200 a day for non-ICU confinement

up to 365 days

$200 a day for ICU confinement

up to 365 days

$2,000

admission benefit per accident

$300 a day for non-ICU confinement

up to 365 days

$300 a day for ICU confinement

up to 365 days

Medical services & treatment –

15 covered medical

services & treatments

Ranging from $15 – $1,000

per medical service/treatment

Ranging from $35 – $1,500 per

medical service/treatment

Injuries –

10 covered injury types

Ranging from

$50 – $3,000 per injury

Ranging from

$100 – $9,000 per injury

Covered conditions

AI7

Low Plan

MetLife Accident Insurance pays you

High Plan

MetLife Accident Insurance pays you

L1022026506[exp1024][All States][DC]

Accident insurance –

Health screening benefit

MetLife provides an annual health

screening benefit

CI21

for taking one of the

eligible screening/prevention measures.

This coverage would be on top of the total

benefit amount payable for previously

mentioned covered services.

Your health screening benefit amount

is: $100

Health screening benefit

$100 per covered person

L0820007056[exp1021][All States]

Metropolitan Life Insurance Company, New York, NY 10166

Accident insurance – An Example of

How it works – High Plan

Kathy

Daughter suffers a concussion

during a soccer game against

the team’s biggest rival.

Benefit amount is based on a sample plan design.

Actual plan design and plan benefits may vary.

Care Received After Injury Benefits Paid

Ambulance (ground)

$1000

Emergency Room

$250

Physician Follow-Up

$240

($120 x 2)

Medical Testing

$200

Concussion $250

Broken Tooth (repaired by crown) $200

Subtotal $2,140

Organized Sports Activity Injury Rider (25%) $535

Total Benefit – Accident Insurance $2,675

L0222019711[exp0423][All States][DC,GU,MP,PR,VI]

Hospital Indemnity Insurance

Here are the benefit types that provide payments...

• Admission

HI4

• Confinement

HI4

• Inpatient Rehabilitation Unit (Accident or

sickness)

• Newborn Confinement

Hospital – Accident and Sickness

HI5

• ICU Supplemental Confinement

• ICU Supplemental Admission

Intensive Care Unit Coverage – Accident

and Sickness

HI5

L0222019711[exp0423][All States][DC,GU,MP,PR,VI]

Inpatient Rehabilitation

(Accident or illness) $100 per day, up to 15 days per calendar year $200 per day, up to 15 days per calendar year

Confinement

HI4

Confinement – $100 a day, up to 15 days per

calendar year

HI10

ICU Supplemental Confinement – $100 a day,

up to 15 days per calendar year

Confinement – $200 a day, up to 15 days per

calendar year

HI10

ICU Supplemental Confinement – $200 a day,

up to 15 days per calendar year

Admission

HI4

(4 per calendar year maximum)

Admission – $1000 per calendar year

ICU Supplemental Admission – $1000 per

accident

Admission – $2,000 per calendar year

ICU Supplemental Admission – $2,000 per

calendar year

Hospital Coverage (Accident and Sickness

HI5

)

Hospital Indemnity Insurance – Plan highlights

Covered Conditions

HI8

Low Plan

MetLife Hospital Indemnity Pays You

High Plan

MetLife Hospital Indemnity Pays You

You have a choice of two plans: Low Plan and High Plan

Newborn Confinement

(Newborn Nursery Care) $25 per day, up to 2 days $50 per day, up to 2 days

Hospital Indemnity insurance –

How it works on the HIGH Plan

Susan experiences chest pains

and is rushed to the hospital

Benefit amount is based on your plan design.

Care Received due to Sickness

Benefits Paid

Admission

$2,000

ICU Supplemental Admission

$2,000

Confinement for 2 days

$400

ICU Supplemental Confinement for 1 day

$200

Total Benefit –

Hospital Indemnity Insurance

$4,600

L1022026506[exp1024][All States][DC]

Critical Illness Insurance

covers these conditions

Conditions

• Cancer

CI20

• Heart Attack

CI21

• Stroke

CI22

• Coma

CI23

• Severe Burn

CI23

• Major Organ Transplant

CI24

• Coronary Artery Bypass Graft

CI25

• Loss of: Ability to Speak; Hearing; Or Sight

CI23

• Paralysis

CI23

• Sudden Cardiac Arrest

• 7 Childhood Diseases

• 11 Infectious Diseases

• 6 Progressive Diseases

L1022026506[exp1024][All States][DC]

Critical Illness Insurance –

Initial benefit amount

Example of Initial & Recurrence Benefit Payments

The example below illustrates an employee who elected a Benefit Amount of $30,000

and has a Total Benefit Amount of 7 times (or 700 ) of the Benefit Amount or $210,000.

*This example is for illustrative purposes only. The MetLife Critical Illness Insurance Policy and Certificate are the governing documents with respect to all matters of insurance,

including coverage for specific illnesses. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy and Certificate to determine

coverage in each individual case.

Illness – Covered Condition Payment Total Benefit Remaining

Heart Attack

CI21

– first verified diagnosis Initial Benefit payment of $30,000 or 100%. $180,000

Heart Attack

CI21

– second verified diagnosis,

two years later

Recurrence Benefit payment of $30,000 or 100% $150,000

Kidney Failure – first verified diagnosis, three

years later

Initial Benefit payment of $30,000 or 100% $120,000

You have a choice of

a $15,000 or $30,000

Benefit Amount

Your Total Benefit Amount

will be 7 times the Benefit

Amount you selected

You can receive Initial and

Recurrence Benefit

CI26

payments until your Total

Benefit Amount is reached

L0822024901[exp0824][All States]

Metropolitan Life Insurance Company, New York, NY

Take advantage of a health

screening benefit

The Health Screening Benefit is not available in certain states. Please review your Disclosure Statement or Outline of Coverage/Disclosure Document for specific state variations

and exclusions around this benefit.

MetLife provides an annual

Health Screening Benefit of $100

for taking one of the eligible

screening/prevention measures.

This coverage would be in addition to the

Total Benefit Amount payable for previously

mentioned Covered Conditions.

L0822024901[exp0824][All States]

Metropolitan Life Insurance Company, New York, NY

Simple 3-step claim process

Ten business days applies to clean claims—a claim submitted with all the required information necessary to process the claim; no missing information requiring additional follow up

with the subscriber.

Opening a Claim

Call [1-800-GET-MET8 M-F 8am-8pm (EST)] [–or–

go to https://mybenefits.metlife.com] to request

a claims form via email, fax or mail. To officially

open the claim, you need to submit a fully

completed claims form, including the physician

statement.

Payment

Within 10 business days after receipt of a

complete claims form, a “clean” claim is fully

processed and payment is issued to you or the

designated beneficiary.

Processing a Claim

Within 3 days after receipt of a complete claims

form including the physician statement, a Claims

Acknowledgement Letter is mailed to you.

L1022026506[exp1024][All States][DC]

Metropolitan Life Insurance Company, New York, NY 10166

You can benefit from MyBenefits

• View enrollment status

• Claim forms

• Check recent claims

With MyBenefits you can...

MetLife Online Services capabilities may vary by product and may not be available to all customers.

Customized product section with additional policy

contract and product details

Easy access to Forms, Customer Support and Claims Center

www.metlife.com/mybenefits

MetLife Legal Plans

L1022026506[exp1024][All States][DC]

Why a legal plan matters now more than ever

of working adults

with a legal plan said

they feel confident

planning for today

and the future

LP1

Protection

62% of working adults experience a legal issue over

the course of three years

LP1

Increases Financial Security

Your whole family is covered for legal issues that arise.

Cost Savings

The average hourly rate to see an attorney is $370

LP2

compared to $18.50 a month for the legal plan

LP3

75%

L1022026506[exp1024][All States][DC]

Helping you navigate life’s planned and

unplanned events

• No copays,

deductibles or claim

forms when using a

network attorney for

a covered matter.

• Unlimited

consultations even

for matters not

covered under your

plan

• All employees have

access to our

website to see

coverages,

attorneys and use

our self-help

document library

Coverage that

spans

throughout life

• Adoption

• Prenuptial agreement

• Elder care law matters

• Estate planning

• Buying or selling a home

• Property tax assessment

• Refinancing

• Foreclosure

• Debt issues, bankruptcy

• Negotiating with creditors

• Tax audit representation

• Financial planning

workshops

LP4

• Identity theft

• Small claims assistance

• Pet liabilities

• Civil matters

Family

life

Assets

Protection

Financial

well-being

L1022026506[exp1024][All States][DC]

Simple, secure log in

Online experience that provides choice

and flexibility

We make it easy for you to get the help you need

Simple and Streamlined Experience

Get detailed info on what

your plan covers

Find the right network

attorney for your legal

matter

L1022026506[exp1024][All States][DC]

Digital estate planning services

While you can’t predict life outcomes, you can help prepare for them with Digital Estate Planning

Only a few simple

questions

As little as 15 minutes

to complete estate planning

documents online

If needed, can meet

with an attorney

Durable Financial

Power of Attorney

Last Will and

Testament

Advanced Healthcare

Directive (Living Will)

While 76% of Americans surveyed acknowledge

a Will is important, only 30% have one in place.

LP5

The top reason for not creating a will was,

“haven’t gotten to it yet.”.

LP5

L1022026506[exp1024][All States][DC]

Legal plan in action: digital estate planning

Worrying every day about her patients, Wendy was on the front lines, caring for her patients

battling COVID-19. Wendy realized that with constant exposure to the virus, she needed to be

sure to cover herself and her family in the time of the pandemic with a power of attorney. With

MetLife Legal Plans, it was fast and easy for Wendy to complete her estate planning

documents and get them notarized, entirely online.

*Example only, not an actual member story.

Example covered services Benefit amount

Will $370

Power of attorney $370

Living Will $370

Total $1,110

Average cost of a legal year

per year

LP6

$222

Potential Savings

LP7

$888.00

MetLife Pet Insurance

Confidential Proprietary Information

L1022026506[exp1024][All States][DC]

Help take the worry out of covering the cost of

unexpected visits to the vet with your furry

family members with MetLife Pet Insurance

You may be able to cover

up to 100% on

veterinary expenses from any licensed

veterinarian, specialist or emergency clinic

in the U.S.

The Importance of Pet Insurance

Average annual cost for a

routine vet visit is $212 for a

dog and $160 for a cat; and

average annual cost for

surgical vet visit is $426 for a

dog and $214 for a cat

$$$

24%

of pet parents have credit

card or personal loan debt to

cover pet health and vet

costs

Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance

Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and

Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700

Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. MetLife Pet Insurance

Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies.

MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues

to operate under that name pending approval of its application for a name change. The entity may operate under an

alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services

LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate,

assumed, or fictitious names approved by certain jurisdictions.

Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance

policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions,

exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and

exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

2019-2020 APPA National Pet Owners Survey.

2019 Benefits Pro “Americans willing to spend as much on pets’ health care as their own”.

Delfino, Devon. “42% of Millennials Have Been in Debt for Their Pet,” lendingtree,

https://www.lendingtree.com/personal/pet-financing/average-pet-debt/. Accessed 22 April 2020.

More than 6 in 10 pet owners

said their pet has had an

emergency medical expense

6 in 10+

A small monthly payment can

help take the stress out of paying

vet expenses down the road

Confidential Proprietary Information

L1022026506[exp1024][All States][DC]

Pet Insurance – Key Features

MetLife Pet Insurance

offers straightforward pricing, group discounts

customizable limits, deductible savings

, and a hassle-free claims process. Our

quick 3-step enrollment process and supportive team of pet professionals

are here to help.

 Group discounts

and deductible savings

 Among the shortest wait periods

with most claims processed within 10 days

 Multi-channel support options with caring, knowledgeable representatives

 Trusted benefits partner with more than 100+ years of experience

 No breed exclusions

 No upper age limits

 No initial exam or previous vet

records needed to enroll

 No per-incident or lifetime limits

Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered

at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI

02886, in those states where MetGen’s policies are available. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC

and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and

exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and

MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate

under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved,

including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names

approved by certain jurisdictions.

This discount is not available in Tennessee. This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife to offer pet

insurance to its population (For IAIC underwritten policies, the discount is 10% for Groups > 1000 lives and 5% for Groups 51-999 lives. For MetGen underwritten policies, this discount is

10% for Employer Groups of all sizes and 5% for Associations of all sizes).

Your pet’s deductible automatically decreases by $25 (for IAIC underwritten policies) or $50 (for MetGen underwritten policies) each policy year that you don’t receive a claim

reimbursement. May not be available in all states.

Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitors; wait period for illness coverage is 14 days compared to 14 to 30 days for competitors,

based on a January 2021 review of publicly available summary information about competitors' offerings. Competitors did not furnish copies of their policies for review. If you have

questions about a particular competitor's policy or coverage, please contact them or their representative directly.

Approximately 80% of claims are processed within 10 days or less.

Confidential Proprietary Information

L1022026506[exp1024][All States][DC]

What does Pet

Insurance cover

Accidental injuries

illnesses

exam fees

surgeries

medications

ultrasounds

hospital stays

X-rays and

diagnostic tests

Pre-existing conditions may not be covered.

Insure your pet today.

hip dysplasia

hereditary conditions

congenital conditions

chronic conditions

alternative therapies

holistic care

and much more!

And our coverage

also includes

Provided all terms of the policy are met. Application is subject to underwriting review

and approval. Like most insurance policies, insurance policies issued by IAIC and

MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions,

limitations, and terms for keeping them in force. For costs, complete details of

coverage and exclusions, and a listing of approved states, please contact MetLife Pet

Insurance Solutions LLC.

Confidential Proprietary Information

L1022026506[exp1024][All States][DC]

The Claims Process

Need help along the way? Our experienced, passionate pet advocates are

available online or over the phone to assist with any questions you may have.

Take your pet

to the vet

Pay the bill Send your bill and

your claim documents

via our mobile app,

online portal, email, fax

or mail

Receive reimbursement

by check or direct

deposit — most claims

are processed within

10 days

Select the

coverage that’s

best for your pet

and enroll

Download our

mobile app

Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% for IAIC underwritten

policies only

Approximately 80% of claims are processed within 10 days or less.

Confidential Proprietary Information

L1022026506[exp1024][All States][DC]

Additional Plan

Features

Optional Preventive Care

Want additional coverage

for routine exams, vaccinations

and prescription medications? You can add optional

preventive care to your plan for these expenses. Coverage

includes:

Family Plan

MetLife also provides the unique feature of a

Family Plan

. In a Family Plan, a policyholder is

able to enroll up to three pets onto the same

policy such that they share the same annual

limits and coverage on the single policy. This

feature is limited to pets under the age of 10

and allows policyholders more flexibility when

considering enrolling multiple pets.

Can be purchased at an additional cost.

Provided all terms of the policy are met. Like most insurance policies,

insurance policies issued by IAIC contain certain exclusions, exceptions,

reductions, limitations, and terms for keeping them in force. For costs, complete

details of coverage and exclusions, and a listing of approved states, please

contact MetLife Pet Insurance Solutions LLC.

A multi-policy discount is not available when enrolling into a Family Plan.

• Annual vet exams

• Routine tests or screens

• Vaccines

• Teeth cleaning or

polishing

• Microchipping

• Preventative treatment

for parasites such as fleas

and heartworms

• Spay and neutering

• Behavior training

Confidential Proprietary Information

L1022026506[exp1024][All States][DC]

Enrollment

An Easy 3-Step Process

Pet species, age, breed and

location.

Tell us about your pet Choose coverage Complete enrollment

Choose the coverage that is

right for you.

For IAIC underwritten policies only, premium will also be based upon the pet’s gender.

28Confidential Proprietary Information

L1022026506[exp1024][All States][DC]

Questions?

Call 1-800-GET-MET8 (1-800-438-6388)

Monday through Friday, 8 am – 8 pm, EST

A Customer Service Representative will be

happy to answer any questions.

www.MetLifePetInsurance.com

Identity & Fraud Protection

Why is Identity & Fraud

Protection so important?

We’re doing more online than ever – making us

more vulnerable to fraud and online threats.

The average consumer’s digital activity

devices

online accounts

300

hours /day online

1. Statista “Average number of connected devices residents have access to in U.S. households in 2020, by device”

https://www.statista.com/statistics/1107206/average-number-of-connected-devices-us-

house/#:~:text=According%20to%20a%202020%20survey,connected%20devices%20in%20their%20household, 2020

2. “World Password Day: How to Improve Your Password” https://blog.dashlane.com/world-password-day/, 2018

3. “Average time spent per day with digital media in the United States from 2011 to 2022” https://www.statista.com/statistics/262340/daily-

time-spent-with-digital-media-according-to-us-consumers, 2021

Cybercrime is on the rise

Cyber thieves can attempt to open credit cards, obtain loans and more – all in your name.

$6.9 billion was lost to Internet crime

in 2021 across all ages.

+68% +79% +200%

reported losses from Internet

crime in 2021

reported increase in financial

loss to fraud in 2021

reported increase in identity

theft cases from 2019 to 2021

4. FBI IC3 Report, 2021

5. U.S. FTC, 2021

• Safeguard your identity and personal info

• Preserve your finances and credit

• Secure your Wi-Fi network and devices

• Protect your privacy while online

Make the internet a safer place

for you and your family

MetLife Identity & Fraud Protection

An all-in-one digital security solution that

protects the things you care about most.

Proactive protection for your identity and

finances, backed by fraud resolution experts

Financial Fraud Protection

Get near-real time alerts to new inquiries to your

credit, suspicious transactions in your bank

accounts, changes to your investment accounts,

home or car title and more.

Identity Theft Protection

Keep your identity secure with extensive monitoring

and alerts if threats to your personal info—like your

accounts, credit, SSN, and IDs—are detected.

Help when you need it

Plans include $5 million identity theft insurance

per adult member, 24/7 customer support, and

white glove fraud resolution services.

6. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The

description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of

the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available

in all jurisdictions. As a component of becoming an Aura member, Consumers receive identity theft insurance through a group policy issued

to Aura. American International Group, Inc. is not an affiliate or subsidiary of MetLife and MetLife does not issue or underwrite this policy.

With military-grade

encryption, Wi-Fi Security

(VPN) hide your IP address

so you can surf the internet

more privately and keep

hackers at bay.

Hide your real email

address with an email alias

to prevent your email from

being exposed in a breach

and help block unwanted

spam emails.

Detect and remove your

personal info from data

broker lists, people search

sites and other online

sources to reduce spam,

robocalls & other unwanted

solicitations.

Prevent sites from storing

your data and tracking you

online. Get anti-adware,

anti-phishing, device/cookie

tracking and more.

Plus, digital safety tools to protect your

privacy and online activity

Tiered Plans to Fit Your

Needs and Budget

Individual Coverage

Protection for the employee only

Family Coverage

Our inclusive definition of “Family”

allows the employee to add up to

10 additional adults and 10 minors

to the plan. Added members

are not required to live

in the same household.

Protection

Plan

Protection Plus

Plan

Identity Theft Protection

Personal Information and ID Monitoring

√ √

Online Account and Breach Monitoring

√ √

SSN Authentication Alerts

√ √

Criminal and Court Record Monitoring

√ √

Home Title and Address Monitoring

√ √

Financial Fraud Protection

Credit Monitoring & Alerts

1 Bureau 3 Bureaus

Monthly Credit Score

√ √

High Risk Transaction Alerts

√ √

3B Credit Report

√

One-Tap Experian Credit Lock

√

Transaction Monitoring

√

Privacy and Device Protection

Data Broker List Removal

√ √

Wi-Fi Security/VPN

1 Device Up to 10 Devices

Antivirus

1 Device Up to 10 Devices

Password Manager

√ √

Safe Browsing

√

Email alias

√

Social Media Monitoring

with Family

coverage only

√

Services and Support

All-in-one Mobile Application

√ √

24/7/365 Customer Support

√ √

White Glove Resolution Services

√ √

$1M ID Theft Insurance per adult

√ √

Lost Wallet Protection

√ √

6. Identity Theft Insurance underwritten by insurance company

subsidiaries or affiliates of American International Group‚ Inc.

The description herein is a summary and intended for

informational purposes only and does not include all terms‚

conditions and exclusions of the policies described. Please refer

to the actual policies for terms‚ conditions‚ and exclusions of

coverage. Coverage may not be available in all jurisdictions. As a

component of becoming an Aura member, Consumers receive

identity theft insurance through a group policy issued to Aura.

American International Group, Inc. is not an affiliate or subsidiary

of MetLife and MetLife does not issue or underwrite this policy.

7.The score you receive with Aura is provided for educational

purposes to help you understand your credit. It is calculated

using the information contained in your TransUnion or Experian

credit file. Lenders use many different credit scoring systems,

and the score you receive with Aura is not the same score used

by lenders to evaluate your credit.

Identity & Fraud Protection – Questions?

Call

1-833-552-2123

with any product questions

An Aura Customer Support Agent

will be happy to answer any product questions.

L1022026506[exp1024][All States][DC]

Metropolitan Life Insurance Company, New York, NY 10166

Thank you.

L1022026506[exp1024][All States][DC]

Accident & Health Footnotes

A1. Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set

forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents

serving in the armed forces or living overseas. [For Critical Illness Insurance and Cancer Insurance CA-sitused cases, coverage is guaranteed provided

(1) the employee is performing all of the usual and customary duties of your job at the employer's place of business or at an alternate place approved by

your employer (2) dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the

insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas.]

A2. Applies only to "clean" claims. A clean claim is a claim submitted with all the required information necessary to process the claim; no missing

information requiring additional follow up with the subscriber. It generally takes 10 business days to process "clean" claims.

A3. Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and

limitations. For more information, contact your MetLife representative.

A4. Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement

or Outline of Coverage/Disclosure Document for more details.

Accident Footnotes

AI1. Chip fractures are paid at 25% of Fracture Benefit and partial dislocations are paid at 25% of Dislocation Benefit.

AI2. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife’s Disclosure Statement

or Outline of Coverage/Disclosure Document for full details.

AI3. The Hospital Sickness benefit may not be available in all states.

AI4. Common Carrier refers to airplanes, trains, buses, trolleys, subways and boats. Certain conditions apply. See your Disclosure Statement or Outline

of Coverage/Disclosure Document for specific details. Be sure to review other information contained in this booklet for more details about plan benefits,

monthly rates and other terms and conditions.

AI5. The lodging benefit is not available in all states. It provides a benefit for a companion accompanying a covered insured while hospitalized, provided

that lodging is at least 50 miles from the insured’s primary residence.

AI6. The Health Screening Benefit is not available in all states. For Texas sitused policies and Texas residents covered under policies sitused in other

states, when the Health Screening Benefit is included in an Accident-only plan, the covered screening measures are: physical exam, blood chemistry

panel, complete blood count (CBC), chest x-rays, electrocardiogram (EKG), and electroencephalogram (EEG).

AI7. Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement

or Outline of Coverage/Disclosure Document for more details.

AI8. The Admission Benefit is not payable for Emergency Room treatment or outpatient treatment. The payment of the admission benefit requires a

Confinement. Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital)

on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a

Physician. Please consult your certificate for details. When plan includes an Admission Benefit, the Confinement Benefit begins on Day 2.

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Hospital Indemnity Footnotes

*Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife's Disclosure Statement or

Outline of Coverage/Disclosure Document for full details.

HI1. Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set

forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents

serving in the armed forces or living overseas.

HI2. Applies only to "clean" claims. A clean claim is a claim submitted with all the required information necessary to process the claim; no missing

information requiring additional follow up with the subscriber. It generally takes 10 business days to process "clean" claims.

HI3. Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and

limitations. For more information, contact your MetLife representative.

HI4. The Admission Benefit is not payable for Emergency Room treatment or outpatient treatment. The payment of the admission benefit requires a

Confinement. Hospital Confinement requires the assignment to a bed as a resident inpatient in a Hospital (including an Intensive Care Unit of a Hospital)

on the advice of a Physician or confinement in an observation area within a Hospital for a period of no less than 20 continuous hours on the advice of a

Physician. Please consult your certificate for details. When plan includes an Admission Benefit, the Confinement Benefit begins on Day 2.

HI5. There is a preexisting condition exclusion for covered sicknesses. See your Disclosure Statement or Outline of Coverage/Disclosure Document for

more details.

HI6. The Lodging Benefit is not available in all states. It provides a benefit for a companion accompanying a covered insured while hospitalized, provided

that lodging is at least 50 miles from the insured’s primary residence.

HI7 The Health Screening Benefit is not available in all states. In most states where the benefit is available there is a one month waiting period for the

Health Screening Benefit.

HI8. Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See the Disclosure Statement or

Outline of Coverage/Disclosure Document for more details.

HI9. Standardly included for inpatient surgery; can also be payable for outpatient surgery.

HI10. When plan includes an Admission benefit, Confinement begins on Day 2.

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Critical Illness Insurance Footnotes

CI1. There is a Benefit Suspension Period between Recurrences. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a

Benefit Suspension Period. We will not pay a Recurrence Benefit for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person

has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit

Suspension Period. A Recurrence Benefit is available for the following conditions: Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit

Cancer and Partial Benefit Cancer.

CI2. Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents are not subject to medical restrictions as set forth on the

enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving

in the armed forces or living overseas. (For CA sitused cases, coverage is guaranteed provided (1) the employee is performing all of the usual and

customary duties of your job at the employer's place of business or at an alternate place approved by your employer and (2) dependents are not subject

to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional

restrictions apply to dependents serving in the armed forces or living overseas.)

CI3. Children may be covered to age 26. In some states, there are benefit reductions that begin at age 65.

CI4. Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Dependent Child coverage varies by state. Please

contact MetLife for more information.

CI5. Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and

limitations. For more information, contact your MetLife representative.

CI6. Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types

of cancer are covered. Some cancers are covered at less than the Initial Benefit Amount. For NH-sitused cases and NH residents, there is an Initial

Benefit of $100 for All Other Cancer.

CI7. The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial

infarction does not include sudden cardiac arrest.

CI8. In certain states, the Covered Condition is Severe Stroke.

CI9. In most states, we will not pay a Major Organ Transplant benefit if a covered person is placed on the organ transplant list prior to coverage taking

effect and subsequently undergoes a transplant procedure for the same organ while coverage is in effect. Covered organs may vary by state; refer to the

Certificate for details.

CI10. Please review the Outline of Coverage for specific information about Alzheimer’s disease.

CI11. In certain states, the Covered Condition is Coronary Artery Disease.

CI12. MetLife Critical Illness Insurance will pay 25% of the Initial Benefit Amount when a covered person is diagnosed with one of the 22 Listed

Conditions. A Covered Person may only receive one benefit payment for one Listed Condition in his/her lifetime. The Listed Conditions are: Addison’s

disease (adrenal hypofunction); amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis;

diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple sclerosis (definitive diagnosis); muscular

dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus

erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis.

CI13. Medical Bankruptcy and the Economy, April 30, 2021. www.thebalance.com/medical-bankruptcy-statistics-4154729. Accessed November 2021

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Critical Illness Insurance Footnotes, cont.

CI14. Please review the Disclosure Statement or Outline of Coverage/Disclosure Document for specific information about cancer benefits. Not all types of

cancer are covered. Some cancers are covered at less than the Initial Benefit Amount.

CI15. For some types of cancer and Coronary Artery Disease, the insured may be eligible to receive 25% of the Category Benefit Amount. In certain

states, the Covered Condition is Coronary Artery Bypass Graft. Not all Cancers are covered.

CI16. Category 3 incorporates certain other Covered Conditions: Major Organ Transplant (other than bone marrow), Kidney Failure.

CI17. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period. We will not pay a Recurrence

Benefit for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full

Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period.

CI18. In some states, there is a benefit suspension period between covered conditions in different categories. The length of the benefit suspension period

varies by state. The benefit suspension period starts when a covered condition occurs. MetLife will not pay a benefit for another covered condition that

occurs during this period if it is in a different category than the covered condition experienced at the start of the benefit suspension period. If a covered

condition in a different category first occurs during the benefit suspension period, the next occurrence of that covered condition outside of the benefit

suspension period will be treated as the first occurrence. The benefit suspension period does not apply within categories. In certain states, if more than

one Covered Condition occurs on the same calendar day, MetLife will pay a benefit for only one of the Covered Conditions which occurred. The benefit

MetLife will pay will be the highest amount that MetLife would have paid for any one of the Covered Conditions that occurred.

CI19. The Health Screening Benefit is not available in certain states. In some states, there is a separate mammogram benefit. Please review your

Disclosure Statement or Outline of Coverage/Disclosure Document for specific state variations and exclusions around this benefit.

CI20. Please review the certificate for specific information about cancer benefits. In most states, not all types of cancer are covered.

CI21. The Heart Attack Covered Condition pays a benefit for the occurrence of a myocardial infarction, subject to the terms of the certificate. A myocardial

infarction does not include sudden cardiac arrest.

CI22. In certain states, the Covered Condition is Severe Stroke.

CI23.[Coma,] [Paralysis,] [Severe Burn,] [and Loss of: Ability to Speak; Hearing; Sight] are not available in all states. Please review the Disclosure

Statement or Outline of Coverage/Disclosure Document for details.

CI24. In most states, we will not pay a Major Organ Transplant benefit if a covered person is placed on the organ transplant list prior to coverage taking

effect and subsequently undergoes a transplant procedure for the same organ while coverage is in effect. Covered organs may vary by state; refer to the

Certificate for details. In some states, the condition is Major Organ Failure.

CI25. In certain states, the Covered Condition is Coronary Artery Disease.

CI26. Please review the Disclosure Document or Outline of Coverage/Disclosure Document for information on which Covered Condition may be eligible

for a Recurrence Benefit. There may be a Benefit Suspension Period between recurrences of the same Covered Condition, as well as occurrences of

different Covered Conditions. There may be a limitation on the number of Recurrence Benefits payable per Covered Condition. We will not pay a benefit

for a Covered Condition that is subject to a Benefit Suspension Period. If a Recurrence Benefit is payable for a Cancer Covered Condition, we will not pay

such benefit unless the Covered Person has not had symptoms of or been treated for the same cancer for which we paid a benefit during the Treatment

Free Period.

L1022026506[exp1024][All States][DC]

Cancer Insurance Footnotes

CA1. There is a Benefit Suspension Period between Recurrences. We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a

Benefit Suspension Period. We will not pay a Recurrence Benefit for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person

has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit

Suspension Period. In some states, we will not pay a Recurrence Benefit for a Covered Condition that Recurs less than 180 days after another

Occurrence of a Covered Condition for which we paid an Initial Benefit.

CA2. Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents are not subject to medical restrictions as set forth on the

enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in

the armed forces or living overseas. [For CA sitused cases: Coverage is guaranteed provided (1) the employee is performing all of the usual and

customary duties of your job at the employer's place of business or at an alternate place approved by your employer (2) dependents are not subject to

medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional

restrictions apply to dependents serving in the armed forces or living overseas.]

CA3. Children may be covered to age 26. In some states, there are benefit reductions that begin at age 65.

CA4. Coverage for Domestic Partners, civil union partners and reciprocal beneficiaries varies by state. Dependent Child coverage varies by state. Please

contact MetLife for more information.

CA5. Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and

limitations. For more information, contact your MetLife representative.

CA6. The Health Screening Benefit is not available in certain states. In some states, there is a separate mammogram benefit. Please review your

Disclosure Statement or Outline of Coverage/Disclosure Document for specific variations and exclusions around this benefit.

CA7. This example is for illustrative purposes only. The MetLife Cancer Insurance Policy and Certificate are the governing documents with respect to all

matters of insurance, including coverage for specific illnesses. The specific facts of each claim must be evaluated in conjunction with the provisions of the

applicable Policy and Certificate to determine coverage in each individual case.

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Legal Plans Footnotes

LP1. CARAVAN survey conducted on behalf of MetLife Legal Plans, January 2020

LP2. Example based on the average amount of hours it would take, using the average hourly rate of $370 based on years of legal experience, National

Law Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2018).

LP3. $20 a month is based on the average cost of a legal plan, rates may vary.

LP4. Financial Planning Workshops are available through MetLife's PlanSmart Retirewise® Workshops program. MetLife administers the PlanSmart

Retirewise® Workshops program but has arranged for specially-trained third party financial professionals to offer financial education and, upon request,

provide personal guidance to employees and former employees of companies providing PlanSmart Retirewise/ through MetLife.

LP5. MetLife’s 2020 Premature Death Study.

LP6. Rates may vary.

LP7. Example based on the average amount of hours it would take, using the average hourly rate of $370 per hour based on years of legal experience,

National Law Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2018).

L1022026506[exp1024][All States][DC]

Product disclaimers

METLIFE’S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may

require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There are benefit reductions that begin at

age 65, if applicable. Like most group accident and health insurance policies, policies offered by MetLife may include waiting periods and contain certain exclusions, limitations and

terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX or contact MetLife.

Benefits are underwritten by Metropolitan Life Insurance Company, New York, NY. Hospital does not include certain facilities such as nursing homes, convalescent care or extended

care facilities. See MetLife’s Disclosure Statement or Outline of Coverage/Disclosure Document for full details.

METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies

contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There may be a preexisting condition exclusion. There may be

a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered

Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not

increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits,

limitations, and exclusions applicable to MetLife’s CII product can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of

enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14- CI, GPNP19-CI or contact MetLife

for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses.

MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.

ADF# MULTI1825.18

L1022026506[exp1024][All States][DC]

Product disclaimers

The MetLife Cancer Insurance plan is based on the MetLife Critical Illness Insurance (CII) policy. MetLife Cancer Insurance includes only the Cancer Covered Condition Category.

METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife's CII policies

contain certain exclusions, limitations and terms for keeping them in force. Product features and availability vary by state. There may be a preexisting condition exclusion. There may be

a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or occurrences of different Covered

Conditions. MetLife offers CII on both an Attained Age basis, where rates will increase when a Covered Person reaches a new age band, and an Issue Age basis, where rates will not

increase due to age. Rates are subject to change. MetLife reserves the right to raise premium rates for Issue Age CII on a class-wide basis. A more detailed description of the benefits,

limitations, and exclusions applicable to both MetLife’s CII product can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of

enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI, GPNP10-CI, GPNP14- CI, GPNP19-CI or contact MetLife

for more information. Please contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses.

MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.

ADF# MULTI1825.18

METLIFE'S HOSPITAL INDEMNITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not

intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll

for the coverage. The policy or its provisions may vary or be unavailable in some states. Prior hospital confinement may be

required to receive certain benefits. There may be a preexisting condition limitation for hospital sickness benefits. MetLife’s

Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. Like most group accident and health

insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force.

For complete details of coverage and availability, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or

GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New

York. In certain states, availability of MetLife’s Group Hospital Indemnity Insurance is pending regulatory approval.

L1022026506[exp1024][All States][DC]

Product disclaimers

ADF# MULTI1825.18

Group legal plans are administered by MetLife Legal Plans, Inc., Cleveland, Ohio. In California, this entity operates under the name MetLife Legal Insurance Services. In certain states, group legal

plans are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, RI. Payroll deduction required for group legal plans. For costs and complete

details of the coverage, call or write the company.

No one can prevent all identity theft or monitor all transactions effectively.

Aura is a product of Aura Sub, LLC. Aura Sub, LLC. is not affiliated with MetLife, and the services and benefits they provide are separate and apart from any MetLife product.