MetLife Advantages

MetLife Advantages for PEBB Program members Services to help navigate what life may bring, at no additional cost to you Life insurance can be a critical first step in helping to ensure your family’s financial wellbeing. With your MetLife group life insurance coverage, you get access to meaningful services to help you make the right decisions to manage what life may bring. For PEBB employee members Offered with Basic Life and Basic Accidental Death and Dismemberment (AD&D) Insurance 6 Beneficiary Claim Assistance (Delivering the Promise) Making the claims process easy. Your beneficiaries get guidance from experts as they work through their options and financial needs with our Delivering the Promise services. For more information call 1-877-275-6387. 3 Funeral Assistance Access to funeral assistance for locating funeral homes and cemetery options, obtaining funeral cost estimates and comparisons, and more. Start planning by downloading a copy of the online Funeral Planning Guide on the MetLife website at metlife.com/funeralplanning/funeral-guide. For more information call 1-888-319-7819. 4 Funeral Discounts & Planning Services Helping to alleviate the burden of making funeral arrangements for your loved ones. Get access to the largest network of funeral homes and cemeteries to pre-plan with a counselor and receive discounts on funeral services. Access convenient planning services — either online at finalwishesplanning.com, or by calling1-866-853- 0954— to help make final wishes easier to manage. 3 Grief Counseling Provides the insured and dependents in-person or telephone sessions with a grief counselor. You can access these services by calling 1-888-319-7819 or log on to the LifeWorks website at metlifegc.lifeworks.com (Username: metlifeassist; Password: support). 7 Life Settlement Account (Total Control Account) Reducing the pressure of immediate financial decisions. Your beneficiaries can take their time to make the right decision with the flexible settlement option that gives full access to policy funds while earning a guaranteed minimum interest rate. 6 Transition Solutions Having assistance when moving on from a company or in response to benefit changing events. Receive help with time-sensitive benefit and financial decisions so you can make the right choices during employment transitions. You will receive a notice to port or convert coverage from MetLife on behalf of your employer. For more information call 1-877-275-6387. 5 Travel Assistance (Offered with basic AD&D coverage) Traveling with peace of mind. Access to medical, travel, and concierge services — 24 hours a day, 365 days a year when traveling internationally or domestically. Visit the AXA website for more information at metlife.com/travelassist. Within the United States: 1-800-454-3679. Outside the United States: 1-312-935-3783. 2 WillsCenter.com Helps to ensure your final wishes are clear. Prepare or update a will, living will or power of attorney, online through the willscenter.com services. Log on to the Wills Center website at willscenter.com to register as a new user. 8 pathy Em Gives beneficiaries complimentary access to 24/7 support for challenges that the loss of a loved one brings, helping them save time, money, and stress. From settling the estate to dealing with grief, Empathy can offer guidance on a variety of topics to assist beneficiaries in navigating through the challenges that loss brings. Call 201- 720-1584 to register via phone, or visit join.empathy.com/metlife.

Offered with Supplemental Life Insurance 1 Estate Resolution Services With this service, executors or administrators may receive in-person MetLife Legal Attorney assistance with probating your and your spouse’s or state-registered domestic partner’s estates. Beneficiaries can also consult an attorney for general questions about the probate process. For more information call 1-800-821-6400. 1 Will Preparation Services Offers in-person will preparation for you and your spouse or state-registered domestic partner at no additional cost when you use a MetLife Legal Plans attorney. For more information call 1-800-821-6400. For PEBB retiree members Offered with Retiree Term Life Insurance 6 Beneficiary Claim Assistance (Delivering the Promise) Making the claims process easy. Your beneficiaries get guidance from experts as they work through their options and financial needs with our Delivering the Promise services. For more information call 1-877-275-6387. 1 Estate Resolution Services With this service, executors or administrators may receive in-person MetLife Legal Attorney assistance with probating your and your spouse’s or state-registered domestic partner’s estates. Beneficiaries can also consult an attorney for general questions about the probate process. For more information call 1-800-821-6400. 7 Total Control Account (TCA) Reducing the pressure of immediate financial decisions. Your beneficiaries can take their time to make the right decision with the flexible settlement option that gives full access to policy funds while earning a guaranteed minimum interest rate. 1 Will Preparation Services Offers in-person will preparation for you and your spouse or state-registered domestic partner at no additional cost when you use a MetLife Legal Plans attorney. For more information call 1-800-821-6400. 2 WillsCenter.com Helps to ensure your final wishes are clear. Prepare or update a will, living will or power of attorney, online through the willscenter.com services. Log on to the Wills Center website at willscenter.com to register as a new user.

1.Will Preparation and 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 General Insurance Company, Warwick, Rhode Island. For New York sitused or principally located 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. 2. WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc. and is not affiliated with MetLife. 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. 3. 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. 4. 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. Not available in some states. Planning services, expert assistance, and bereavement travel services are available to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network of funeral providers are pre-negotiated. Not available where prohibited by law. The discount is available for services offered 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. 5. Travel Assistance services are offered and administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by Certain Underwriters at Lloyd’s London (not incorporated) through Lloyd’s Illinois, Inc. Neither AXA Assistance USA Inc. nor the Lloyd’s entities are affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife. 6. MetLife administers the Delivering the Promise and Transition Solutions program, and has arranged to have specially trained third party financial professionals offer financial education. The financial professionals providing financial education are not affiliated with MetLife but are providing the program under a service provider contract. 7. Subject to state law, and/or group policyholder direction, the Total Control Account is provided for all Life and AD&D benefits of $5,000 or more. The assets backing the Total Control Account (TCA) are maintained in the general account of MetLife or the Issuing Insurance Company. These general accounts are subject to the creditors of MetLife or the respective Issuing Insurance Company. MetLife or the Issuing Insurance Company bears the investment experience of such assets and expects to earn income sufficient to pay interest to TCA Accountholders and to make a profit on the operation of the TCAs. Regardless of the investment experience of such assets, the effective annual rate on the Account will not be less than the rate guaranteed on the welcome guide. The TCA and other available settlement options are not bank products and are not insured by the FDIC or any other governmental agency. In addition, while the funds in your account are not insured by the FDIC, they are guaranteed by each state’s insurance guawww.NOLHGA.com or 703-481-5206) to learn more. FOR FURTHER INFORMATION, PLEASE CONTACT YOUR STATE DEPARTMENT OF INSURANCE. 8. Empathy’s bereavement services and platform are provided through an agreement with The Empathy Project, Inc., (doing business as Empathy). Empathy is not an affiliate of MetLife, and the services Empathy provides are separate and apart from the insurance provided by MetLife. This program is available to beneficiaries, and insureds who are terminally ill and eligible to accelerate life proceeds under MetLife's Accelerated Benefit Option. Not available on all policy forms or in all jurisdictions. Empathy is only available to insureds and beneficiaries who are US residents. Information disclosed directly to Empathy is not disclosed to MetLife, and therefore is not subject to MetLife’s privacy policy. 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. MetLife Group Term Life insurance and AD&D is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 under Policy Form GPN99/G2130-S 2020 MetLife Services and Solutions, LLC Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0823034522[exp0825][All States][DC,GU,MP,PR,VI]