Cancer Insurance

ADF# CA941.16

Facts & Stats

Enrollment period: [DATE-DATE]. To learn more and enroll, visit [www.website.com] or call [1 800 GET-MET 8]

What you need to know about MetLife’s Cancer coverage:• You and your eligible family members are guaranteed coverage.5 No medical exam and no hassle.

• Lump-sum payment helps cover unexpected costs that result from a covered cancer.

• For your convenience, premiums will be automatically deducted from your paycheck.

With competitive employee rates, you can get monthly [ancer Insurance2] coverage for less than the cost of...

Based on average costs at national retail chains6

Coffee Fix

3x per week,medium cup

at the movies with popcorn

Date nightof milk5 gallons

MetLife Cancer Insurance:[$30,000]

Initial Benefit Amount

How it worksThis illustration is based on a [$30,000] Initial Benefit Amount plan.3

Cancer — Covered Condition Payment Total Benefit Remaining

Full Benefit Cancer (leukemia) — 1st diagnosis Initial Benefit payment of [$30,000] or [100%] [$30,000]

Full Benefit Cancer (breast cancer) — 1st diagnosis Initial Benefit payment of [$30,000] or [100%] [$0]

In this example, the covered person would get several lump-sum payments totaling

[$60,000]+

x5

Recent studies have shown

33% of U.S. adults will be diagnosed with cancer at some point in their lives.1 With uninsured patients substantially more likely to be diagnosed with cancer at a later stage, when treatment can be more extensive, costlier and less successful.2

Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166L0819517448[exp1020][All States] © 2019 MetLife Services and Solutions,LLC

The MetLife Cancer Insurance plan is based on the MetLife Critical Illness Insurance (CII) policy. MetLife Cancer Insurance includes only the Covered Conditions of Full Benefit Cancer and Partial Benefit Cancer.

METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLif e’s CII policies contain certain exclusions, limitations and terms f or keeping them in f orce. Product f eatures and av ailability may v ary by state. In most plans, there is a pre-existing condition exclusion. Af ter a cov ered condition occurs, there is a benef it suspension period during which benef its will not be paid f or a recurrence, except in the case of insureds cov ered under a New York certif icate. MetLif e’s Issue Age CII is guaranteed renewable, and may be subject to benef it reductions that begin at age 65. Premium rates f or MetLif e’s Issue Age CII are based on age at the time of the initial cov erage ef f ective date and will not increase due to age; premium rates f or increases in cov erage, including the addition of dependents’ cov erage, if applicable, will be based on the cov ered person’s age at the time of the initial cov erage ef f ective date. Rates are subject to change f or MetLif e’s Issue Age CII on a class-wide basis. A more detailed description of the benef its, limitations, and exclusions can be f ound in the applicable Disclosure Statement or Outline of Cov erage/Disclosure Document av ailable at time of enrollment. For complete details of cov erage and av ailability , please ref er to the group policy f orm GPNP14-CI or contact MetLif e f or more inf ormation. Benef its are underwritten by Metropolitan Lif e Insurance Company , New York, New York.

MetLif e's Critical Illness Insurance is not intended to be a substitute f or Medical Cov erage prov iding benef its f or medical treatment, including hospital, surgical and medical expenses. MetLif e's Critical Illness Insurance does not prov ide reimbursement f or such expenses.

metlife.com

1. Data Note: Americans’ Challenges with Health Care Costs, 2019 Kaiser Family Foundation.https://www.kff.org/health-costs/issue- brief/data-note-americans-challenges-health-care-costs/. Accessed Aug 2019.

2. American Cancer Society. “Economic Impact of Cancer”, 2018. https://www.cancer.org/cancer/cancer-basics/economic-impac t-of-cancer.html Accessed 18 June 2019.

3. 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.

4. Benefit amount is based on sample MetLife plan design. Actual plan design and plan benefits may vary.

5. 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 enrollmentform 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 orat 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.]

6. Comparison is based on national averages and most commonly purchased brands.