20-85, Renewable for four years

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1 LIFE TERM One-Year Term This chart provides current premium rates per $1,000 of insurance protection charged by MetLife Insurance Company USA, MetLife USA (formerly MetLife Insurance Company of Connecticut and merged with MetLife Investors USA Insurance Company and MetLife Investors Insurance Company), General American Life Insurance Company (Gen Am), New England Life Insurance Company (NELICO) and Metropolitan Life Insurance Company () for initial issue one-year, term life insurance available to all standard risks. MetLife USA Gen Am NELICO Policy Name YRT3 One-Year Term YRT4 One-Year Level Term MetLife One Year Term Form Number L N0YT NEL R-87 5E-24-12/1E NYU (NY Only) Issue Ages 0-85, Non-renewable 15-85, Non-renewable 20-85, Renewable for four years 21-85, Renewable for five years 18-85, Base policy without Convertible and Renewable Options Rider is non-renewable. Minimum Size $25,000 $25,000 $25,000 $50,000 $100,000 Premiums age. age and smoker status. Convertibility Non-convertible Non-convertible Non-convertible Non-convertible Base policy without Convertible and Renewable Options Rider is non-convertible. Riders None None None None Convertible and Renewable Options Rider adds renewability for a total of five years, convertibility in years two through five. Commissions None None None None Adding the Convertible and Renewable Options Rider adds commissions to the producer. Economic Benefit Calculations Pre 1/29/2002 In general, per IRS Notice , for arrangements entered into before January 29, 2002, an insurer s published premium rates available to all standard risks for initial issue one-year term insurance may be used to compute imputed income. /MetLIfe USA In general, per IRS Notice , for arrangements entered into before January 29, 2002, an insurer s published premium rates available to all standard risks for initial issue one-year term insurance may be used to compute imputed income. There is very little IRS guidance on the foregoing requirements and therefore, clients should consult their tax advisors about the use of these rates to compute imputed income. In lieu of these rates, rates can be used to compute the imputed income. There is very little IRS guidance on the foregoing requirements and therefore, clients should consult their tax advisors about the use of these rates to compute imputed income. In lieu of these rates, rates can be used to compute the imputed income. Continued...

2 Economic Benefit Calculations After 1/28/2002 MetLife USA Gen Am NELICO The rates in these columns are not suitable for economic benefit calculations for split dollar and life insurance in qualified plans for arrangements entered into after 1/28/2002. rates can be used to compute the imputed income. The rates for One- Year Level Term are not suitable for economic benefit calculations for split dollar and life insurance in qualified plans for arrangements entered into after 1/28/2002. rates can be used to compute the imputed income. In general, per IRS Notice , for arrangements entered into after 1/28/2002, an insurer s published premium rates may not be used for economic benefit unless (i) the insurer generally makes the availability of such rates known to persons who apply for term insurance, and (ii) the insurer regularly sells term insurance at such rates through its normal distribution channels. There is very little IRS guidance on the foregoing requirements and therefore clients should consult their tax advisors about the use of MetLife One Year Term rates to compute imputed income. In lieu of these rates, rates can be used to compute the imputed income. Per Thousand of Face Amount N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

3 Per Thousand of Face Amount

4 Per Thousand of Face Amount N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

5 Effective following the close of business on November 14, 2014, MetLife Investors Insurance Company, MetLife Investors USA Insurance Company and Exeter Reassurance Company, Ltd. were merged into MetLife Insurance Company of Connecticut, and MetLife Insurance Company of Connecticut was then renamed MetLife Insurance Company USA. There is very little guidance on how this impacts the use of the insurer s rates to compute 2014 imputed income. Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.. Met of CT YRT3 is issued by MetLife Insurance Company USA, Charlotte, NC GenAm One-Year Term is issued by General American Life Insurance Company, St. Louis, MO NEF YRT4 is issued by New England Life Insurance Company, Boston, MA One-Year Level Term Life is issued by Metropolitan Life Insurance Company, New York, NY MetLife One Year Term is issued by MetLife Insurance Company USA, Charlotte NC and in New York only by Metropolitan Life Insurance Company, New York, NY All are MetLife companies CLTM METLIFE, INC. L [1018]

TuGo Travel Insurance Traveller

TuGo Travel Insurance Traveller Rate 1 Individual Rates Family Rates* 0-40 years 41-55 years 56-59 years 0 40 years 41-55 years 56-59 years 5-day 49 51 65 98 103 130 10-day 62 66 79 123 132 157 20-day 70 74 89 139 148 178 35-day 89 95