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Our Value Proposition

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  • Carriers available through the EnterpriseGA include: Universal Life Variable Life Term Life AIG/American General Hartford Banner Life ING Companies Pacific Life Transamerica Jefferson Pilot SunLife Protective Life John Hancock Prudential AXA Disability Income Long-Term Care Illinois Mutual John Hancock Genworth Fixed Annuities Variable Annuities Equity Index Annuities American National Hartford ING Jackson National Nationwide Jackson National Lincoln Benefit Pacific Life SunLife/Keyport Premium Financing 412i Lincoln Financial Lincoln National Transamerica Transamerica John Hancock/Manulife
  • Jacqueline – Special Needs information
  • 07/11/10 17:55 Why Fund Management Services? Professionally Managed Mutual Fund Portfolios designed to meet the needs of the investors seeking professional advice and guidance Brings a fully-automated advisory product down to the $10,000 level. WMS maybe a better alternative for larger portfolios Account monitored and managed by PNC Global Investment Servicing, an industry leader in Managed Account Solutions Accounts invested and automatically rebalanced in a portfolio that matches the client’s risk tolerance and investment objective Flat 1% Advisory Fee Creates a relationship with a client based upon advice vs. a transaction. (An alternative to direct business) Annual client meeting and Ongoing consultation based on needs Simplified account maintenance and support: 1 to 2 days to process and open Consolidated statements & tax reporting
  • We understand that transferring your business is a vital consideration in your decision-making process. So, we will analyze the type of products in your book of business and then provide you with an assessment of the portability of your business. And, want we start this process as early as possible to avoid surprises down the road.
  • The MetLife Value Proposition goes far beyond your compensation from your production. Benefits we provide help protect you and your family if your practice is disrupted by sickness or injury Our Retirement Plans will help to ensure that you will enjoy the lifestyle you want when you decide to retire We help to protect your business from regulatory and legal challenges Through company-sponsored training and development offerings, you have the opportunity to take your business to higher levels And finally, firm management provides local (business management), (marketing), administrative, (case design), support to help you continue growing your business At MetLife, we have determined that the added value of the combined benefits working to safeguard your practice saves an experienced producer like yourself an extra 6 – 10% of yearly compensation in expenses over time.
  • Rule of 85 – Total of years of service plus age must equal 85 or greater
  • Renewals are not included in this example because renewal GDC is unknown The value of the Company Programs and Contributions adds to New England Financial’s Total Value Proposition. Company contributions to Agents Retirement Plan (ARP) and Top Producer Incentive Plan (TPIP) are based on eligible compensation and will be described in slides to follow The company’s contributions to SSA and MediCare are made according to a fixed formula Company contributions to medical, dental and disability benefits vary with the plans and options elected by the producer We reward our top producers with invitations to our annual Recognition Conferences. The producers’ expenses to attend these conferences are paid by the company and the conferences are held at various top destination resorts, both throughout the United States and internationally The value of the extensive support to build and protect your practice provided by the Enterprise is reflected in the Company Support and Services So, what do these numbers really mean to you?
  • Now that we have reviewed in general the overall compensation and benefits available from New England Financial, let’s see how your specific situation could unfold not only for next year but for the rest of your professional career. In order to be as accurate as possible I need you to answer some questions about your production & benefit choices. This information will be held strictly confidential.
  • Transcript

    • 1. New England Financial A Leader in Our Industry L0310095865[exp0312][All States]
    • 2. Agenda
      • Our Company
      • Leadership Commitment
      • Growing Your Business
      • Total Value Proposition
    • 3. A Leader in Our Industry #1 In-force Life Insurer in USA* #1 in New Annuity Sales Premiums** $4.035 Trillion Life Insurance In-Force* 70 Million Clients Worldwide $501.7 Billion in Total Assets*** * AM Best rankings as of 12/31/08 based on total life insurance in-force. ** Rank as of 12/31/08 based on LIMRA Industry Individual Annuity Sales Report for 2008 *** MetLife consolidated Balance Sheet data as of 12/31/08 from Press Release of 04/30/09 announcing 1Q09 earnings results. MetLife is a leading provider of insurance and other financial services to over 70 million clients around the world
    • 4. A Leader in Our Industry 1. MetLife Companies
      • 2. Prudential of America Group
      • 3. Aegon USA Group
      • 4. ING USA Life Group
      • Swiss Reins Group
      • RGA Group
      • 7. AIG Life Group
      • 8. Lincoln Financial Group
      9. Northwestern Mutual Group 10. New York Life Group 11. Hartford Life Group 12. Protective Life Group 13. Genworth Financial Group 14. Great West Life Group 15. Munich Amer. Reassurance Group Life Insurance In-force* *Source-AM Best – rankings as of 12/31/2008 Based on USA total Life Insurance In-force.
    • 5. A Leader in Our Industry Ranked Top 10 in These Individual Product Lines Who else can say this?
      • Whole Life
      • Term Insurance
      • Universal Life
      • Variable Universal Life
      • Variable Annuity
      • Fixed Annuity
      Source: LIMRA, 12/31/2008, Based on LIMRA premium – Recurring +10% Single + 10% Excess, Includes all subsidiaries of MetLife, Inc. Top 10 Premium rank
      • Individual Disability
      • Long-Term Care
    • 6. Individual Distribution’s Vision To have a world class, profitable channel of Financial Advisors focused on the needs of our clients
    • 7. Leadership Commitment: Face to Face “ Our ability to help customers build their personal safety nets is more important than ever before and will continue to differentiate us in the marketplace. We should be confident in our Company and in the strengths which make us unique, including the commitment and focus that (we) bring to meeting the needs of our customers. As we have for more than 140 years, we will successfully navigate through these turbulent times.” C. Robert Henrikson Chairman, President and Chief Executive Officer
    • 8. Leadership Commitment: Face to Face Michael J. Vietri, CLU Executive Vice President Individual Distribution "The need for trusted financial advice has never been greater. Now more than ever, with the increasing complexity of financial markets combined with the American retirement crisis, fast-growing multicultural population and needs of small business owners, a trusted financial advisor is needed to help create financial freedom and security. And with this year benchmarking more than 140 years of delivering on promises, innovation and growth, there has never been a better time to be with MetLife.”
    • 9. Leadership Commitment: Accessibility Top Producers have Access to Top Management… … to openly discuss issues and concerns … to influence prioritization ...to explore and open potential new markets .
    • 10. Leadership Commitment: Core Values
      • People Count
      • Integrity & Honesty
      • Innovation
      • Financial Strength
      • Partnership
      • Personal Responsibility
      MetLife’s Core Values The essence of your client relationships and the foundation of your business
    • 11. Leadership Commitment
      • Partnering with you to
      • Gain and strengthen client trust
      • Maintain the highest standards
      • Demonstrate compliance with legal
      • and regulatory requirements
      • Strengthening client relationships
      • Via a commitment to service
      • With a best-in-class quality assurance program
      • Through industry-leading products and services
      • Clarifying the complex through
      • Continuing education and training
      • Clear compliance and regulatory
      • guidelines
      • Demonstrated industry leadership
      • Offering strong support by
      • Providing assistance to help you meet regulatory compliance requirements
      • Maintaining an open line of communication with Top Producers
    • 12. Leadership Commitment: MetLife Brand One of the strongest brand names in the industry Supported by National and Local PRINT and TV advertising plan, in markets that will grow the bottom line Designed to address needs of today’s consumers and MetLife’s capabilities
    • 13. Growing Your Business
      • Proven solutions to help grow your business
      • Practice Management support and resources to help run your business
      • Personal branding to enhance your reputation as a financial professional in your community
      • Best-in-class products and services to offer your clients
      • Dedicated Service Program for top producers to support your sales and your clients
    • 14. Growing Your Business: Practice Management
      • Resources & Tools assess your practice and support your focus on 5 critical areas: People, Process, Marketing, Technology & Knowledge
      • Professional Development knowledge-building opportunities, including: access to expertise and fellow financial professionals via in-person development and virtual events, industry affiliations and 100% reimbursement for designations
      • Professional Business Coaching execute on your plans for practice and professional growth
      • Staff Support & Development run your practice efficiently and build your client service proposition
      • Practice Continuity (Succession) Planning protect the practice you have built, stand by the commitments you have made to clients and realize the value of your life’s work
    • 15. Growing Your Business: Your Personal Brand
      • Customized Brochures promoting you and your practice
      • Newsletters and pre-approved publications targeted to specific markets (e.g., CPA’s, small businesses)
      • Turn-Key Customizable Websites to promote your practice
      • e-Relationship e-mail marketing platform with hundreds of electronic cards, newsletters and articles
      • By-Lined Articles that are professionally written and compliance approved that focus on timely financial topics
      • Public Relations Electronic Self Service (PRESS) Pre-approved press releases to broadcast your achievements
    • 16. Growing Your Business: Your Personal Brand
      • eLeads web-based lead delivery system for prospecting and sales opportunities
      • – Available programs include: MetLife Advice, MetLife Advice for
      • Beneficiaries (DTP), ERWEC, Term Conversion and Hot Leads Programs
      • Customizable local print and radio advertising
      • Solution-focused seminar packages including the discounted Emerald Seminar Series
      • Marketing Material Library with hundreds of approved letters, client presentations and brochures
      • Contact Management System: CDS/SmartOffice your personal marketing database with a home office feed of clients and policy information to manage your practice
      • MetDirect maximize cross-sell opportunities in your Book of Business and automatically send client birthday and annual review mailings
    • 17. SmartOffice
      • SmartOffice provides MetLife professionals with a web-based client management system to help growing Firms manage and communicate with their clients from anywhere, anytime.
      • Value Added Features
        • Contacts: Access client & prospect information
        • Calendar: Effectively manage daily activities
        • Communication: Track all correspondence
        • Marketing: Segment clients for campaigns
        • Delegation: Assign tasks to personal assistant
        • Results: Track client results & recommendations
    • 18. Sales Tools Your Advocate Through the Sales Process
      • During times of uncertain financial conditions and market volatility, clients may require your guidance more than ever.
      • New England Financial’s sales tools will help:
          • Manage clients
          • Market to existing relationships
          • Provide sound financial advice
          • Implement potential product solutions
      Needs Analysis Planning Profiles Forecaster & Professional Retirement Distribution & Legacy Creation Wealth Suite/QPDA Retirement Road Map Retirement Income Selector Sales Support & Education Back Room Technician
    • 19. Growing Your Business: Best in Class Products and Services Meeting Client Needs for Financial Freedom through a Broad Range of Products and Services
      • Wealth Management Services
      • Individual Life Insurance
      • Financial Planning
      • Retirement Planning
      • Estate Planning
      • Auto & Home Insurance
      • MetLife Center for Special Needs Planning
      • Qualified and Non-qualified Plans
      • Disability Income Insurance
      • Long-Term Care Insurance
      • Investment and Advisory Products
      • Annuities
      • Business Insurance and Planning
      • College Funding
      • Banking Products
      • Corporate Owned Life Insurance
    • 20. Growing Your Business: Best in Class Products and Services
      • Enterprise GA
      • Full service general agency offering nonproprietary life, annuity, long-term care, disability income and health products from highly rated carriers to complement MetLife’s proprietary product and underwriting offerings
      • Access to over 250 Life, Annuity, LTC and DI Carriers *
      • Provide marketing material and illustrations
      • Provide end-to-end management and case monitoring from application receipt through commission placing
      • Facilitate appointments and licensing with outside carriers
      • Coordinate the shopping of cases and exchange of information between MetLife and the industry
      • Leverage Enterprise technology for consistent service experience (e.g., eNewBusiness, Intranet portals)
      • Dedicated Transition Service and Sales Support
      • *Products offered by unaffiliated insurers through
      • Enterprise General Insurance Agency, Inc., 300 Davidson Avenue, Somerset, NJ 08873, a MetLife company.
    • 21. Growing Your Business: Best in Class Products and Services
      • Advanced Markets
      • Sophisticated, relationship-based case design
      • Sales-oriented solutions resulting from personalized case consultation
      • Customized support
      • Support for the “unknown” lies just a phone call away
      • Enhanced “networking” through conference calls with client’s other advisors when needed
      • Ability to “de-mystify” complex issues
      • High-impact training programs focused on practice development
      • Advanced Academy
      • Estate & business planning schools
      • Monthly webinars
    • 22. Growing Your Business: Best in Class Products and Services
      • Special Needs Planning
      • The MetLife Center for Special Needs Planning SM helps families navigate through the maze of legal and financial complexities that surround special needs planning
      • Comprehensive training for qualified producers to become Special Needs Planners
      • Case design support, marketing and support collateral, expanded underwriting guidelines and established partnerships with national non-profit organizations
    • 23. Growing Your Business: Best in Class Products and Services
      • Estate/Legacy planning
      • Tax efficient wealth creation
      • Business succession planning
      • Qualified retirement plans
      • – Defined Benefit, 412(i), abc+, solo 401(k)
      • Executive benefit programs
      • – Executive Bonus, Split Dollar,
      • Deferred Compensation
      • Case consultation and plan preparation
      • Sophisticated training programs
      • State-of-the-art software
      • – Navi Plan
      • – eMoney
      • Retirement distribution strategies
      • Charitable planning
      Small Business Clients Comprehensive Fee-Based Planning Affluent Clients
    • 24. Growing Your Business: Best in Class Products and Services
      • MetLife Broker-Dealer Group:
      • Industry Leading Platform
        • Access to over 250 mutual fund families
        • Robust brokerage platform
        • Strong suite of third party advisory relationships
        • Comprehensive unified managed accounts
        • Multiple alternative investment firm solutions
        • Private wealth solutions division
        • Innovative technology
        • Dedicated transition service and sales support
        • Broker-Dealer top producer service and support
    • 25. Growing Your Business: Best in Class Products & Services Wealth Management Services (WMS): Spectrum of Product Choices for Every Client Need FUND SELECT FUND SELECT PREMIER ADVISOR SELECT ADVISOR SELECT PREMIER PORTFOLIOS MANAGER SELECT MANAGER SELECT PREMIER Turnkey, Mutual Fund Wrap Program Flexible, Mutual Fund and ETF Wrap Program Rep-managed, General Securities Wrap Account Institutionally- managed, General Securities Wrap Account Separately Managed Account Flexible, Unified Managed Account $50,000 account minimum $50,000 account minimum $25,000 account minimum $250,000 account minimum $500,000 account minimum $250,000 account minimum
    • 26.
      • Professionally managed mutual fund portfolios
      • Account Minimum: $10,000
      • Advisory Fee to Client: Fixed at 1%
      • Automated annual rebalancing
      • Ongoing advice and consultation
      • If suitable for clients, migrate to WMS as investments grow
      Growing Your Business: Best in Class Products & Services Fund Management Services (FMS) Advisory Platform:
    • 27. MetLife Broker-Dealer Group Transition Services Overview and Training of Broker-Dealer Systems Client Announcement Letters and Broker-Dealer Transfers Review of Your Current Business Model and Customized Transition Plan Assistance with Appointments with Insurance Product Sponsors Monitoring Brokerage Account Transfers
    • 28. A Smooth and Seamless Transition
      • Dedicated professionals to ensure a successful transition
      • Our transition services include:
      • A single point of contact at the broker dealer
      • Review your book of business and identify any product, program and or selling agreement issues
      • Assist you with the client notification letters, if applicable
      • Provide assistance with appointment paperwork
      • Assist you with the management of asset transfers, if applicable
      • Track all account transfers and assist with any operational related issues
      • Provide you with training as well as an overview of broker-dealer technology (eApp, bdWise, Investment Tracker)
    • 29. MetLife Broker Dealer Group: Innovative Technology Solutions From pre-sale to post-sale, the Broker Dealer provides you with technology to increase your ease in doing business and create efficiencies in your practice.
      • State-of-the-Art Website
      • Wall Street on Demand
      • S&P ChartSource and Calculators
      • Learning on Demand training
      • Morningstar
        • (Advisor Workstation/Principia)
      • eApp and eApp with eSignature
      • Investment Tracker
        • Client View Access
      • bdWise
      • NetExchange Pro
        • Client View Access
      • Coms.com
      • Personal Financial View
    • 30. Growing Your Business: MetLife Pension Resource Center SM
      • Sales
      • Marketing
      • Technical Resource
      • Education
      • Product
      • Plan Design
      • Administration
      • Actuarial Services
      PEANUTS © United Feature Syndicate, Inc. A consultative sales support team dedicated to helping you attract, implement and retain valuable pension, profit sharing and 401(k) business.
    • 31. Growing Your Business: MetLife Pension Resource Center SM MetLife Plan Investigator represents a new state-of-the-art tool empowering the initiative to acquire qualified plan business, featuring:
              • Consultative Qualified Retirement Plan Design
              • Provider Shopping Service
              • Fiduciary Investment Monitoring
    • 32. Growing Your Business: MetLife Pension Resource Center SM Pension Fact Finder MetLife Pension Resource Center Consultative Group Plan Design Vendor Search Investment Monitoring
      • Presentation
      • Kit
      • - Custom Plan Design
      • - Product Solutions/Pricing
      • Administration
      • Services/Pricing
      • Performance & Fiduciary
      • Profile
      RR Consultant
    • 33. Growing Your Business: Dedicated Service 1 Conference qualification subject to meeting minimum Recognition Credit requirements
      • Elite
      • Reserved for Chairman’s Council qualifiers and their personal assistants 1
      • Direct Access to the Elite Team, a dedicated group of experienced New England Financial service associates whose sole focus is meeting qualifiers business needs, via one toll free number
      • Designated Life, DI, and LTC underwriters
      • Dedicated LTC and EGA case managers
      • Resolution or status of all requests within two hours of receipt
      • Highest level of professional and personalized Service & Sales support that New England Financial has to offer
      • Practice Management
        • Personal Assistant Program
        • Public Relations Support
        • Quotable Club
      • Marketing & Wholesaler Support
        • Marketing Consultations
        • Wholesaler Access
        • Priority Pre-Sales Support
      • Advanced Markets
        • Advanced Market Schools
        • CPA CE Seminar program
      Business Leaders Concierge Elite
    • 34. Growing Your Business: Dedicated Service 1 Conference qualification subject to meeting minimum Recognition Credit requirements
      • Concierge
      • Reserved for President’s Conference qualifiers and their personal assistants 1
      • Easy access to multiple service areas via one toll-free number
      • Direct access to dedicated Life underwriter, LTC underwriter, LTC case manager, and Enterprise GA case manager
      • Priority service from over 35 New England Financial service and sales support partners
      • Practice Management
        • Personal Assistant Program
        • Public Relations Support
      • Marketing & Wholesaler Support
        • Marketing Consultations
        • Wholesaler Access
        • Priority Pre-Sales Support
      • Advanced Markets
        • Advanced Market Schools
        • CPA CE Seminar program
      Business Leaders Concierge Elite
    • 35. Growing Your Business: Dedicated Service
      • Leaders
      • One exclusive easy toll free number to remember
      • New business handled by a team of underwriters responding within 24 to 48 hours
      • Dedicated Enterprise GA case manager
      • Direct access to Advanced Markets and the Sales Material Review Unit
      • Personal Assistant Program
      • Eligibility for special year-end Concierge Support for the Top 125 producers
      • Practice Management
        • Personal Assistant Program
        • Public Relations Support
      • Marketing & Wholesaler Support
        • Marketing Consultations
        • Wholesaler Access
        • Priority Pre-Sales Support
      • Advanced Markets
        • Advanced Market Schools
        • CPA CE Seminar program
      Business Leaders Concierge Elite
    • 36. Growing Your Business: Dedicated Service
      • Recruiting and on-boarding support for
      • Personal Assistants of Top Producers
          • Customized candidate sourcing
          • Recruiting and staffing support
          • Streamlined Producer Toolkit – Tools and Resources to help you recruit, retain and develop your Assistant
            • Assessing Your Needs
            • Job Descriptions and Activity Guidelines
            • Approved Newspaper Ads
            • Interview Guides
        • Training and follow-up support for Personal Assistants
          • E-Technology learning on New Business Processing, Customer Service and General Administration
          • Assistant Schools based on level of proficiency
            • Foundations of Success (introductory)
            • Building on Success (advanced)
            • Marketing for Success (marketing)
          • Overall ongoing support
      Top Producers are those who have achieved Elite, Concierge or Leaders level service
    • 37. Total Value: NEF Compensation Package
      • The compensation and benefit information above is based on a hypothetical producer's status and is used for illustrative purposes only. It does not in any way reflect your actual situation and does not constitute a representation by New England Financial of the actual compensation or benefits that you would receive with New England Financial. Benefits are subject to eligibility requirements, including waiting periods. The compensation and benefit plans that are the basis for the following discussion are those currently offered at New England Financial, but these are subject to change or elimination by the Company. Actual Plan Documents will govern.
      • Competitive compensation programs
      • Competitive wealth creation and benefits packages
      • Recognizing and rewarding top performers
      New England Financial enhances your ability to build your own financial freedom through:
    • 38. GDC Based Compensation & Additional Plan Credits Medical & Dental Life & Disability Insurance Enterprise Support & Services Stock Options Deferred Compensation Top Producer Incentive Plan (TPIP) NEF Value Recognition Retirement Plans (ARP/ADC/ Excess) Social Security & Medicare Employer Contributions Total Value: NEF Compensation Package The compensation and benefit information above is based on a hypothetical producer's status and is used for illustrative purposes only. It does not in any way reflect your actual situation and does not constitute a representation by New England Financial of the actual compensation or benefits that you would receive with New England Financial. Benefits are subject to eligibility requirements, including waiting periods. The compensation and benefit plans that are the basis for the following discussion are those currently offered at New England Financial, but these are subject to change or elimination by the Company. Actual Plan Documents will govern.
    • 39.
      • The Value of Safeguarding your Practice adds to the value of your business
            • If…
              • you could use assistance to ensure that you are meeting all compliance requirements
              • you get sick or hurt and can no longer work
              • there's a natural disaster and you’re temporarily out of business
              • you need to plan the expansion of your practice
      Total Value Proposition Summary … The compensation and benefit information above is based on a hypothetical producer's status and production in 2006 and is used for illustrative purposes only. It does not in any way reflect your actual situation and does not constitute a representation by MetLife of the actual compensation or benefits that you would receive with MetLife. Benefits are=subject to eligibility requirements, including waiting periods. The compensation and benefit plans that are the basis for the following discussion are those currently offered at MetLife, but these are subject to change or elimination by the Company.
    • 40. Retirement Plans: Defined Contribution Plan
      • Agent’s Retirement Plan (ARP) 1
      • Eligibility
      • Participation is automatic upon becoming a full-time agent* of the company under contract, with entry date the first of the month following your start date
      • Company Contribution
      • The company contributes 5% of your eligible compensation** (subject to IRS limits)
      • Contributions are made to a non-qualified auxiliary plan if eligible compensation is over IRS limits
      • Vesting — 25% per year after two years with 100% vesting after five years of service
      • Participant Contribution
      • Participants may contribute from 1% to 10% of Eligible Compensation** to the plan on an after-tax basis in addition to the company contribution
      • Features
      • Several investment options are available
      • 1 The Plan documents will govern all cases
      • *Second-line Managers and Developmental Managing Partners are also eligible. Financed, intern, corporate and disabled agents are not eligible
      • **As defined by the Plan
    • 41. Retirement Plans: Qualified Deferred Compensation Plan
      • Agent’s Deferred Compensation Plan (ADC) 1
      • Eligibility
      • Participation is automatic and entry date is the first of the month following 2 full years of service
      • Company Contribution
      • The company contributes 11.67% of your eligible compensation* (subject to IRS limits)
      • You are immediately vested in the Plan upon becoming eligible to participate
      • Features
      • Several investment options are available
      • Loans are available subject to terms of the Plan
      • 1 The Plan documents will govern all cases * As defined by the Plan
    • 42. Retirement Plans: Nonqualified Deferred Compensation Plan
      • Top Producer Incentive Plan (TPIP) 1
      • No cost to you
      • Two qualification levels – varying contributions based on Chairman’s and Master’s conference qualifications
      • Generally must be continually active for a five-year period
      • Various investment options
      • Normal distribution: Lump sum at later of age 65 or vesting
      • Other distribution options may be available
      1 The Plan documents will govern all cases * As defined by the Plan
    • 43. Retired Agent
      • For you:
      • Seamless transition to your retired status
      • Ability to qualify for the same payout rates as active reps
      • Retention of same book of business controlled while active *
      • Ability to service same clients you had when active
      • ERA and Cost of Goods and Services continues to be determined locally
      • Can qualify for All Recognition Conferences
      • Retired agents are considered non-benefitable and, as such, receive the 5% of FY GDC on the normally benefitable products
      • For your client:
      • Retain your experience for all of the "ifs" in life
      • * Assumes Rule of 85, production and other requirements are met, including local management approval.
    • 44. NEF Total Value Proposition Summary Combining the Value of Company Programs and Contributions with the illustrated Compensation creates the Total Value Proposition * Assumes 1st Year Production **Assumes 57% Grid Rate ***Does not include local value This is a hypothetical example for illustrative purposes only. It is based on a President’s Conference Qualifier contracted under the SummitEXP1 Compensation Plan 44% Traditional Life, 5% LTC/DI, 6% MF, 40% Annuities, 5% WRAP
    • 45. 2010 Recognition Conferences 40 Aim High and Qualify for Conference! President’s Elite Qualification Requirements: 660,000 Recognition Credits For full recognition conference requirements, log onto the FieldFIRST portal, then select the Recognition Home page under the Field Growth & Development tab Leaders Conference Boca Raton Resort & Club Boca Raton, Florida May 26-29 Qualification Requirements: 200,000 Recognition Credits Masters Conference The Ritz-Carlton Kapalua Kapalua, Hawaii April 20-24 Qualification Requirements: 355,000 Recognition Credits Fairmont Le Montreux Palace Montreux, Switzerland
    • 46. Recognition – Keeping Track
      • Weekly Recognition Bulletins
      • On-Line Recognition Scorecard
        • Recognition Conferences
        • MDRT Credits
    • 47.
      • Hall of Fame
      • Top of the Tower
      • Golden Laureate
      • Life Member of Masters
      NEF Career Recognition
    • 48. And There’s Much More !
      • New England Financial offers the following additional benefits*:
      • Medical and dental plan coverage
      • Basic life & AD&D insurance at no cost to you
      • Optional supplemental and dependent life insurance
      • Flexible Spending Accounts – health care and dependent care
      • Optional long-term and short-term disability insurance
      • Access to post retirement health and welfare benefits for those that work until retirement
      • Long-term care insurance
      • Employee Assistance Program
      • Auto & Home insurance at group rates
      • Matching Gifts program and more
      *Eligibility of all benefits is subject to terms of plan and other governing documents
    • 49. Total Value: NEF Compensation Package GDC Based Compensation & Additional Plan Credits Medical & Dental Life & Disability Insurance Enterprise Support & Services Stock Options Top Producer Incentive Plan (TPIP) NEF Value Recognition Retirement Plans (ARP/ADC/ Excess) Social Security & Medicare Employer Contributions Deferred Compensation Who else provides such a rich Top Producer support program? There’s never been a better time! There’s never been a better place!          
    • 50. Why Are Your Peers Joining New England Financial?
      • Strength
      • “ Well known (brand); trustworthy; long term reliability”
      • “… positive attitude and high energy at MetLife”
      • Support
      • “… an established local agency, offering very strong front and back office support”
      • “ Keep my book of business, but add more value”
      • Opportunity
      • “… needed to upscale my business”
      • “… earnings potential; benefits package”
      • Source: MetLife Individual Business Marketing Research, April 2006
    • 51. 2010 Recognition Conferences President’s Elite Leaders Conference Boca Raton Resort & Club Boca Raton, Florida May 26-29 Masters Conference The Ritz-Carlton Kapalua Kapalua, Hawaii April 20-24 Fairmont Le Montreux Palace Montreux, Switzerland So join the number one company in the industry and we’ll see you here!
    • 52. New England Financial is an equal opportunity employer For Recruiting Purposes Only New England Financial is the registered mark for New England Life Insurance Company New England Life Insurance Company 501 Boylston Street Boston, MA 02116-3700 Securities products offered through Registered Representatives of New England Securities Corp, a broker/dealer member FINRA, SIPC. Investment Advisory services offered by Investment Adviser Representatives of New England Securities, a Registered Investment Adviser. New England Life Insurance Company and New England Securities are affiliates.