Supplemental Term Life Insurance Coverage Options

PLAN SUMMARY

Life Insurance

Life insurance is a cost-effective way to protect your family and your

finances. It helps ensure your short- and long-term financial obligations

could be met if something unforeseen happens to you.

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Explore the coverage that makes it easy to give yourself and your loved ones more security today…and in the future.

Basic Term Life Insurance

Your employer provides you with Basic Term Life insurance coverage in the amount of 1 times your base annual earnings up to a

maximum of $50,000.

Supplemental Term Life Insurance Coverage Options

*Child(ren)’s Eligibility: Dependent children ages from 15 days up to 26 years old are eligible for coverage. State variations may apply,

please see your plan Certificate for specific details.

What’s Not Covered?

Like most insurance plans, this plan has exclusions. Supplemental and Dependent Life Insurance does not provide payment of

benefits for death caused by suicide within the first two years (one year for group policies issued in Missouri, North Dakota and

Colorado) of the effective date of the certificate or an increase in coverage. This exclusionary period is one year for residents of

Missouri and North Dakota. If the group policy was issued in Massachusetts, the suicide exclusion does not apply to dependent life

coverage. The suicide exclusion does not apply to residents of Washington, or to individuals covered under a group policy issued in

Washington.

Please note that a reduction schedule may apply. Please see your employer or certificate for specific details.

Accidental Death & Dismemberment Coverage Options

This valuable coverage benefits beyond your disability or life insurance for losses due to covered accidents — including while

commuting, traveling by public or private transportation and during business trips. MetLife’s AD&D insurance pays you benefits if you

suffer a covered accident that results in paralysis or the loss of a limb, speech, hearing or sight, brain damage or coma. If you suffer a

covered fatal accident, benefits will be paid to your beneficiary.

Voluntary AD&D Coverage Amounts for You:

• You also have the option to enroll for Voluntary AD&D insurance.

• You can choose the Voluntary AD&D option that meets your needs:

 Option 1 - $50,000

 Option 2 - $100,000

 Option 3 - $200,000

 Option 4 - $300,000

 Option 5 - $400,000

 Option 6 - $500,000

 The maximum amount of coverage you can receive is $500,000.

For You For Your Spouse/Domestic Partner For Your Dependent Children*

1 to 8 times your basic annual

earnings, to a maximum of

$1,500,000

$25,000 to $200,000 in $25,000

increments

$5,000 or $10,000

Life Insurance

Voluntary AD&D Coverage Amounts for Spouse/Domestic Partner and Child(ren):

• You can choose to cover your dependent spouse/domestic partner and child(ren) with AD&D coverage. Your dependents will

be eligible for the following coverage:

• Dependent Spouse and Child(ren):

o Spouse/Domestic Partner — 50% of your coverage amount

o Child(ren) — 20% of your coverage amount

• Dependent Spouse/Domestic Partner only:

o 60% of your coverage amount

• Dependent Child(ren) only:

o 20% of your coverage amount

*Child(ren)’s Eligibility: Dependent children ages from 15 days up to 26 years old are eligible for coverage. State variations may apply, please see your plan Certificate for specific details.

Covered Losses

This AD&D insurance pays benefits for covered losses that are the result of an accidental injury or loss of life. The full amount of

AD&D coverage you select is called the “Full Amount” and is equal to the benefit payable for the loss of life. Benefits for other losses

are payable as a predetermined percentage of the Full Amount and will be listed in your coverage in a table of Covered Losses. Such

losses include loss of limbs, sight, speech and hearing, various forms of paralysis, brain damage and coma. The maximum amount

payable for all Covered Losses sustained in any one accident is capped at 100% of the Full Amount.

Covered Losses

Percent of Full Amount

Life

100% of Full Amount

Hand

50% of Full Amount

Foot

50% of Full Amount

Arm

75% of Full Amount

Leg

75% of Full Amount

Sight of one eye

50% of Full Amount

Thumb & index finger of same hand

50% of Full Amount

Four toes on same foot

50% of Full Amount

Four fingers on same hand

50% of Full Amount

Any combination of hand, foot, or sight

100% of Full Amount

Paralysis of both legs

75% of Full Amount

Paralysis of the arm & leg on either side of the

body

50% of Full Amount

Paralysis of one arm or leg

25% of Full Amount

Triplegia

75% of Full Amount

Brain Damage

100% of Full Amount

Coma

1% monthly up to 100 months

Life Insurance

Standard Additional Benefits Include

Some of the standard additional benefits included in your coverage that may increase the amounts payable to you and/or defray

additional expenses that result from accidental injury or loss of life are:

• Air Bag

• Seat Belt

• Child Care Center

• Child Education

• Spouse Education

Other Available Additional Benefits Include

• Rehabilitative Physical Therapy

What Is Not Covered by AD&D?

AD&D insurance does not include payment for any loss which is caused by or contributed to by: physical or mental illness, diagnosis of

or treatment of the illness; an infection, unless caused by an external wound accidentally sustained or from food poisoning; suicide or

attempted suicide; injuring oneself on purpose; the voluntary intake or use by any means of any drug, medication or sedative, unless

taken as prescribed by a doctor or an over-the-counter drug taken as directed; voluntary intake of alcohol in combination with any

drug, medication or sedative; war, whether declared or undeclared, or act of war, insurrection, rebellion or active participation in a riot;

committing or trying to commit a felony; any poison, fumes or gas, voluntarily taken, administered or absorbed; service in the armed

forces of any country or international authority, except the United States National Guard; operating, learning to operate, or serving as a

member of a crew of an aircraft; while in any aircraft for the purpose of descent from such aircraft while in flight (except for self-

preservation); or operating a vehicle or device while intoxicated as defined by the laws of the jurisdiction in which the accident occurs.

Additional Coverage Information

How to Apply

Complete your enrollment form and return it to your Human Resources Manager today!

Be sure to indicate your beneficiary online by visiting mybenefits.metlife.com. You can select any beneficiary(ies) other than your

employer for your Basic and Supplemental coverages, and you may change your beneficiary(ies) at any time. You can also designate

more than one beneficiary. You are the beneficiary for your Dependent coverage.

*All applications are subject to review and approval by Metropolitan Life Insurance Company. Based on the plan design and the amount of coverage requested, a Statement of Health

may need to be submitted to complete your application.

For Employee Coverage

Enrollment in this Supplemental Term Life insurance plan is available without providing medical information as long as:

For New Hires

• The enrollment takes place within 31 days from the date you become eligible for benefits, and

• You are enrolling for coverage equal to/less than 3 times your basic annual earnings.

For Annual Enrollment

• The enrollment takes place prior to the enrollment deadline, and

• You are continuing the coverage you had in the last year.

• Any late request for Life insurance, or a request to increase the current amount of Life insurance will require a completed

Statement of Health form. A late request is one made more than 31 days after You become eligible.

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For Qualifying Event

• The enrollment takes place within 31 days of the Qualifying Event, and

• You are continuing the coverage you had in the last year.

• If You make a request due to a Qualifying Event to increase the amount of Your Life Insurance which

is at or below the Non-Medical Issue Amount to an option above the Non-Medical Issue Amount, or if

You make a request due to a Qualifying Event to increase the amount of Your Life Insurance which

is above the Non-Medical Issue Amount to a greater amount, you will be required to complete a

Statement of Health form.

• Any late request for Life insurance will require a completed Statement of Health form. A late request

is one made more than 31 days after You become eligible.

Enrollment At Any Time Other than During an Annual Enrollment Period or Due to a Qualifying Event

• At any time during the year, You may enroll for insurance for which You are eligible or choose a

different option than the one for which You are currently enrolled. Please note that you will be

required to complete a Statement of Health form for any requested coverage amount.

If you do not meet all of the conditions stated above, you will need to provide additional medical information by completing a Statement

of Health form. Please see your employer or certificate for specific details.

For Dependent Coverage

†

You must be covered in order to obtain coverage for your spouse/domestic partner and child(ren).

Your spouse/domestic partner and dependent children do not need to provide medical information as long as they have not been

hospitalized within 90 days preceding the enrollment date, and:

†

A domestic partner declaration may be required for those partners not registered with a government agency where such registration is available.

For New Hires

• The enrollment takes place within 31 days from the date you become eligible for benefits, and

• You are enrolling for spouse/domestic partner coverage equal to/less than $50,000 and enrolling for child(ren) coverage

equal to/less than $10,000.

For Annual Enrollment

• The enrollment takes place prior to the enrollment deadline, and

• You are continuing the coverage you had for your spouse/domestic partner and child(ren) in the last year.

• Any late request for Life insurance, or a request to increase the current amount of Life insurance will require a completed

Statement of Health form for your spouse/domestic partner. A late request is one made more than 31 days after You become

eligible.

For Qualifying Event

• The enrollment takes place within 31 days of the Qualifying Event, and

• You are continuing the coverage you had in the last year.

• If You make a request due to a Qualifying Event to increase the amount of Your Life Insurance which is at or below the Non-

Medical Issue Amount to an option above the Non-Medical Issue Amount, or if You make a request due to a Qualifying Event

to increase the amount of Your Life Insurance which is above the Non-Medical Issue Amount to a greater amount, a

completed Statement of Health form will be required for your spouse/domestic partner.

• Any late request for Life insurance will require a completed Statement of Health form for your

spouse/domestic partner. A late request is one made more than 31 days after You become eligible.

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Enrollment At Any Time Other than During an Annual Enrollment Period or Due to a Qualifying Event

• At any time during the year, You may enroll for insurance for which You are eligible or choose a different option than the one

for which You are currently enrolled. Please note that a completed Statement of Health form will be required for your

spouse/domestic partner for any requested coverage amount.

If you do not meet all of the conditions stated above, you will need to provide additional medical information by completing a Statement

of Health form. Please see your employer or certificate for specific details.

About Your Coverage Effective Date

You must be Actively at Work on the date your coverage becomes effective. Your coverage must be in effect in order for your

spouse/domestic partner’s and eligible children’s coverage to take effect. In addition, your spouse/domestic partner and eligible

child(ren) must not be home or hospital confined or receiving or applying to receive disability benefits from any source when their

coverage becomes effective.

If Actively at Work requirements are met, coverage will become effective on the date of the receipt of your completed application for all

requests that do not require additional medical information. A request for your amount that requires additional medical information and

is not approved by the date listed above will not be effective until the later of the date that notice is received that MetLife has approved

the coverage or increase if you meet Actively at Work requirements on that date, or the date that Actively at Work requirements are

met after MetLife has approved the coverage or increase. The coverage for your spouse/domestic partner and eligible child(ren) will

take effect on the date they are no longer confined, receiving or applying for disability benefits from any source or hospitalized.

Who Can Be A Designated Beneficiary?

You can select any beneficiary(ies) other than your employer for your Basic and Supplemental coverages, and you may change your

beneficiary(ies) at any time. You can also designate more than one beneficiary. You are the beneficiary for your Dependent coverage.

To designate your beneficiary online, visit mybenefits.metlife.com. If you have any questions about designating your beneficiary, you

may call us at 1-866-492-6983.

Once Enrolled, You have Access to MetLife Advantages

—

Services to Help Navigate What Life May Bring

Grief Counseling

To help you, your dependents, and your beneficiaries cope with loss

You, your dependents, and your beneficiaries have access to grief counseling

sessions and funeral related concierge services to help

cope with a loss — at no extra cost. Grief counseling services provide confidential and professional support during a difficult time to

help address personal and funeral planning needs. At your time of need, you and your dependents have 24/7 access to a work/life

counselor. You simply call a dedicated 24/7 toll-free number to speak with a licensed professional experienced in helping individuals

who have suffered a loss. Sessions can either take place in-person or by phone. You can have up to five face-to-face grief counseling

sessions per event to discuss any situation you perceive as a major loss, including but not limited to death, bankruptcy, divorce,

terminal illness, or losing a pet.

In addition, you have access to funeral assistance for locating funeral homes and cemetery options,

obtaining funeral cost estimates and comparisons, and more. You can access these services by calling 1-888-319-7819 or log on to

www.metlifegc.lifeworks.com (Username: metlifeassist; Password: support).

Download this helpful Funeral Planning Guide at https://www.metlife.com/funeralplanning/funeral-guide/

Funeral Discounts and Planning Services

Ensuring your final wishes are honored

As a MetLife group life policyholder, you and your family may have access to funeral discounts, planning and support to help honor a

loved one’s life — at no additional cost to you. Dignity Memorial provides you and your loved ones access to discounts of up to 10% off

of funeral, cremation and cemetery services through the largest network of funeral homes and cemeteries in the United States.

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When using a Dignity Memorial Network you have access to convenient planning services — either online at

www.finalwishesplanning.com, by phone (1-866-853-0954), or by paper — to help make final wishes easier to manage. You also have

access to assistance from compassionate funeral planning experts to help guide you.

Beneficiary Claim Assistance

For support when beneficiaries need it most

This program is designed to help beneficiaries sort through the details and serious questions about claims and financial needs during a

difficult time. MetLife has arranged for third party financial professionals to be available for assistance in-person or by telephone to

help with filing life insurance claims, government benefits and help with financial questions.

Life Settlement Account

For immediate access to death proceeds

The Total Control Account

(TCA) settlement option provides your loved ones with a safe and convenient way to manage the proceeds

of a life or accidental death and dismemberment claim payments of $5,000 or more, backed by the financial strength and claims

paying ability of Metropolitan Life Insurance Company. TCA death claim payments relieve beneficiaries of the need to make immediate

decisions about what to do with a lump-sum check and enable them to have the flexibility to access funds as needed while earning a

guaranteed minimum interest rate on the proceeds as they assess their financial situations. Call 1-800-638-7283 for more information

about options available to you.

Will Preparation

To help ensure your decisions are carried out

When you enroll for supplemental term life coverage, you will automatically receive access to Will Preparation Services at no extra cost

to you. Both you and your spouse/domestic partner will have unlimited in-person or telephone access to one of MetLife Legal Plans,

Inc nationwide network of 184,000+ participating attorneys for preparation of or updating a will, living will or power of attorney.* When

you use a participating plan attorney, there will be no charge for the services.* Like life insurance, a carefully prepared will (simple or

complex), living will and power of attorney are important.

• A will lets you define your most important decisions, such as who will care for your children

or inherit your property.

• A living will ensures your wishes are carried out and protects your loved ones from having to make very difficult and personal

medical decisions by themselves. Also called an “advanced directive,” it is a document authorized by statutes in all states that

allows you to provide written instructions regarding use of extraordinary life-support measures and to appoint someone as

your proxy or representative to make decisions on maintaining extraordinary life-support if you should become incapacitated

and unable to communicate your wishes.

• Powers of attorney allow you to plan ahead by designating someone you know and trust to act on your behalf in the event of

unexpected occurrences or if you become incapacitated

Call 1-800-821-6400 and a Client Service Representative will assist you.

* You also have the flexibility of using an attorney who is not participating in the MetLife Legal Plans, Inc. network and being

reimbursed for covered services according to a set fee schedule. In that case you will be responsible for any attorney’s fees that

exceed the reimbursed amount.

Estate Resolution Services

SM5

(ERS)

Personal service and compassion assistance to help probate your and your spouse’s/domestic partner’s estates.

MetLife Estate Resolution Services

provides probate services in person or over the phone to the representative (executor or

administrator) of the deceased employee's estate and the estate of the employee's spouse/domestic partner. ERS includes preparation

of documents and representation at court proceedings needed to transfer the probate assets from the estate to the heirs and

completion of correspondence necessary to transfer non-probate assets. ERS covers participating plan attorneys’ fees for telephone

and face-to-face consultations or for the administrator or executor to discuss general questions about the probate process.

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WillsCenter.com

Self-service online legal document preparation

Employees and spouses/domestic partners have access to WillsCenter.com, an online document service to prepare and update a will,

living will, power of attorney, funeral directive, memorandum of wishes or HIPAA authorization form in a secure 24/7 environment at no

additional cost. This service is available with all life coverages. Log on to www.willscenter.com

to register as a new user.

Portability

So you can keep your coverage even if you leave your current employer

Should you leave Los Alamos National Laboratory for any reason, and your Basic Life, Supplemental Life, Dependent Term Life and

Voluntary Accidental Death and Dismemberment insurance under this plan terminates, you will have an opportunity to continue group

term coverage (“portability”) under a different policy, subject to plan design and state availability. Rates will be based on the

experience of the ported group and MetLife will bill you directly. Rates may be higher than your current rates. To take advantage of this

feature, you must have coverage of at least $10,000 up to a maximum of $2,000,000.

Portability is also available on coverage you’ve selected for your spouse/domestic partner and dependent child(ren). The maximum

amount of coverage for spouse/domestic partners is $250,000; the maximum amount of dependent child coverage is $25,000.

Increases, decreases and maximums are subject to state availability.

Generally, there is no minimum time for you to be covered by the plan before you can take advantage of the portability feature. Please

see your employer or certificate for specific details.

Please note that if you experience an event that makes you eligible for portable coverage, please call a MetLife representative at 1-

888-252-3607 or contact your employer for more information.

Additional Features

This insurance offering from your employer and MetLife comes with additional features that can provide assistance to you and your

family

Accelerate Benefits Option

For access to funds during a difficult time

You can receive up to 80% of your Life insurance proceeds to a maximum of $500,000 in the event that you become terminally ill and

are diagnosed with less than 12 months to live. This can go a long way toward helping your family meet medical and other related

expenses at this difficult time.

The Accelerated Benefit Option is also available to spouses insured under Dependent Life insurance plans.

Conversion

For protection after your coverage terminates

You can generally convert your group term life insurance benefits to an individual whole life insurance policy if your coverage

terminates in whole or in part due to your retirement, termination of employment, or change in employee class. Conversion is available

on all group life insurance coverages. Please note that conversion is not available on AD&D coverage. If you experience an event that

makes you eligible to convert your coverage, please call 1-877-275-6387 to begin the conversion process. Please contact your

employer for more information.

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Waiver of Premiums for Total Disability (Continued Protection) – Supplemental Life

Offering continued coverage when you need it most

If you become Totally Disabled, you may qualify to continue certain insurance. You may also be eligible for waiver of your

supplemental term life insurance premium until you reach age 70, die, or recover from your disability, whichever is sooner.

Total Disability or Totally Disabled means you are unable to do your job and any other job for which you are fit by education, training or

experience due to injury or sickness. The Total Disability must begin before age 65, and your waiver will begin after you have satisfied

a 6-month waiting period of continuous disability. The waiver of premium will end when you turn age 70, die, or recover. Please note

that this benefit is only available after you have participated in the supplemental/optional term life plan for 12 months and it is not

available on dependent coverage. This 12 month requirement applies to new participants in the plan.

If you return to work after completing part or all of the 6-month waiting period and later cease active work due to the same or a related

Total Disability while your coverage is being continued, you will be given credit for the prior partial or total completion of the waiting

period and it will be considered a continuation of the original Total Disability. This means that if you completed the waiting period of

continuous disability in the original period of disability, you will not need to complete another one.

• You must notify MetLife of the later period of cessation of active work within 12 months of when

that period began.

• The amount of insurance being continued will be the same as during the original period of disability, subject to any reductions

in coverage amount due to age.

Extended Death Benefit – Basic Life

Provides death benefit coverage

With this feature, you’ll have death benefit protection without premium payment for a period of up to 12 months following termination of

employment if you are Totally Disabled on the date your employment terminates. If you were covered under the plan for less than 12

months, coverage will be extended for the length of time you were covered.

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1- Grief Counseling and funeral assistance services are provided through an agreement with LifeWorks US Inc. LifeWorks is not an affiliate of

MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide

network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling

program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized

divorce). For such issues, members should inquire with their human resources department about available company resources. This program

is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may

result in a loss are not covered under this program unless and until such loss has occurred. Services are not available in all jurisdictions and

are subject to regulatory approval. Not available on all policy forms.

2-Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of

licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”),

1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and

the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. SCI offers planning

services, expert assistance, and bereavement travel services to anyone regardless of affiliation with MetLife. Discounts through Dignity

Memorial’s network of funeral providers have been pre-negotiated. Not available where prohibited by law. If the group policy is issued in an

approved state, the discount is available for services held in any state except KY and NY, or where there is no Dignity Memorial presence (AK,

MT, ND, SD, and WY). For MI and TN, the discount is available for “At Need” services only. Not approved in AK, FL, KY, MT, ND, NY and WA.

3-MetLife administers the programs, but has arranged for specially-trained financial professionals to offer financial education and, upon

request, provide personal guidance to employees and former employees of companies providing these programs through MetLife.

4-The TCA is not insured by the Federal Deposit Insurance Corporation or any government agency. The assets backing TCAs are maintained in

MetLife’s general account and are subject to claims of MetLife’s creditors. MetLife bears the investment risk of the assets backing TCAs, and

expects to receive a profit. Regardless of the investment experience of such assets, the interest credited to TCAs will never fall below the

guaranteed minimum rate. Guarantees are subject to the financial strength and claims paying ability of MetLife.

5- Will Preparation and MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc. Cleveland, Ohio. In certain states, legal

services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and

affiliates, Warwick, Rhode Island. For New York sitused cases, the Will Preparation service is an expanded offering that includes office

consultations and telephone advice for certain other legal matters beyond Will Preparation. Tax Planning and preparation of Living Trusts are

not covered by the Will Preparation Service. Certain services are not covered by Estate Resolution Services, including matters in which there is

a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or

any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees,

recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.

6-WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc. is not

affiliated with MetLife and the WillsCenter.com service is separate and apart from any insurance or service provided by MetLife. The

WillsCenter.com service does not provide access to an attorney, does not provide legal advice, and may not be suitable for your specific

needs. Please consult with your financial, legal, and tax advisors for advice with respect to such matters. WillsCenter.com is available to

anyone regardless of affiliation with MetLife.

7-The Accelerated Benefits Option is subject to state availability and regulation. The accelerated life insurance benefits offered under your

certificate are intended to qualify for favorable federal tax treatment. If the accelerated benefits qualify for favorable tax treatment, the benefits

will be excludable from your income and not subject to federal taxation.

This information was written as a supplement to the marketing of life insurance products. Tax laws relating to accelerated benefits are

complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular

circumstances.

Receipt of accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as

medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug

assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will

have on public assistance eligibility for you, your spouse or your family.

FF075

This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and

Los Alamos National Laboratory and are subject to each state’s laws and availability. Specific details regarding these provisions can be found in the

booklet certificate.

Nothing in these materials is intended to be advice for a particular situation or individual. Please consult with your own advisors for such advice. Like most

group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for

keeping them in force. Please contact your benefits administrator or MetLife for costs and complete details.

Life and AD&D coverages are provided under a group insurance policy (Policy Form GPNP99 issued to your employer by MetLife. Life and AD&D

coverages under your employer’s plan terminates, when your employment ceases, when your Life and AD&D contributions cease, or upon termination of

the group contract. Dependent Life coverage will terminate when a dependent no longer qualifies as a dependent. Should your life insurance coverage

terminate for reasons other than non-payment of premium, you may convert it to a MetLife individual permanent policy without providing medical evidence

of insurability.