60% 63% MetLife Healthcare Companion Critical Illness Annuity. Optional Rider. Did you know?

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1 MetLife Healthcare Companion Critical Illness Annuity Optional Rider Did you know? Men and women who reach age 40 in 2019 may on average live until age 82.9 and 88.3 respectively (i). HK people are living longer and think they are in good health. 63% Male + 60% Female say their health is good, very good or excellent (ii) Source: (i) Hong Kong Population Projection , Census and Statistics Department, HKSAR (September, 2015) (ii) Women and Men in Hong Kong - Key Statistics, Census and Statistics Department, HKSAR (July 2016) However, did you know the incidence rates of critical illnesses in HK such as stroke and kidney failure are increasing? Stroke Around 25,000 people suffer from stroke each year (iii) Kidney Failure There are more than 7,000 patients with end-stage kidney failure higher than 90% 10 years ago (iv) Source: (iii) Stroke Fund Website, HKSAR (as of March 2017) (iv) Smart Patient Website, Hospital Authority, HKSAR (as of March 2017)

2 MetLife Healthcare Companion Critical Illness Annuity Critical illness can strike suddenly, and the effects often last for the rest of your life - preventing you from fulfilling your normal duties. At MetLife, we are committed to backing you up all the way. That s why we offer MetLife Healthcare Companion Critical Illness Annuity 1 (the Optional Rider ), your enduring partner to protect you against critical illnesses, especially those with a relatively high survival rate that often limits your recovery to full health. This Optional Rider provides a steady stream of guaranteed cash payouts upon diagnosis of any of the 8 covered critical illnesses, in order to support long-term care expenses and supplement your income. In this way, MetLife navigates life together with you, through the good times and the tough times. Key features include: Covered Critical Illnesses: 1 Stroke 2 Kidney Failure 3 Advanced Dementia (including Alzheimer s Disease) 4 Parkinson s Disease 5 Paralysis 6 Major Head Trauma 7 Loss of Limbs 8 Loss of Independent Existence 2 occurring before age 65 Steady stream of guaranteed payouts for long-term care and income supplement Affordable premium that will not increase with your age during the coverage period waiver Waiver of premium 3 upon confirmed diagnosis of any of the 8 covered critical illnesses Optional Additional Protection: Cancer Benefit Upon diagnosis of cancer, the insured person receives a one-time lump sum payment equal to 24 times the sum assured You can enjoy following benefits at an affordable premium that will not increase with your age during the coverage period: Critical Illness Annuity Benefit Steady Stream of Guaranteed Payouts for Long-term Care and Income Supplement Unlike traditional critical illness insurance which only provides a one-time lump sum payment, this Optional Rider will provide a steady stream of guaranteed critical illness annuity payments till the end of the chosen coverage period or termination of the Optional Rider (whichever is earlier), upon the insured person s diagnosis of any of the 8 covered critical illnesses. The Optional Rider offers 2 options of coverage periods you may choose to receive the guaranteed cash payouts till age 85 or age 100. True Care with Assured Protection This Optional Rider has gone well beyond the typical practice for long-term care products in the market by not requiring continuous proof of loss of independent existence. At MetLife, we understand that recovering physically does not necessarily mean the patients can return to their original work. That s why, upon confirmed diagnosis of a covered critical illness, we will guarantee regular annuity payments till termination of the Optional Rider, even if the insured person regains the ability to live independently. The guaranteed payouts not only support long-term care expenses, but also supplement the insured person s income. 3 waiver Waiver of Premium 3 Upon the insured person s diagnosis of any of the 8 covered critical illnesses, any further premiums payable under this Optional Rider will be waived 3. The waiver of premium 3 can ensure your continuous protection without further expenses, backing you up all the way through the good times and the tough times.

3 Stroke Kidney Failure You may think you re too young to have a stroke or kidney failure - but these critical illnesses can strike at any age. 1 in 4 stroke patients (v) 2 in 5 in HK are aged end-stage disease patients (vi) Source: (v) Thematic Household Survey Report No. 58, Census and Statistics Department, HKSAR (October 2015) (vi) Hong Kong Adventist Hospital Website, HKSAR (2014) These critical illnesses may affect you throughout your life and cause irreversible physical impacts - preventing you from fulfilling your normal duties in life. Stroke A stroke may cause irreversible impacts, including impairing physical functions, leading to loss of independence and capacity to work. 30%-40% of patients lose self-care ability (vii) 1 in 2 patients cannot return to work (viii) Source: (vii) Stroke Fund Website, HKSAR (as of March 2017) (viii) Smart Patient Website, Hospital Authority, HKSAR (as of March 2017) Kidney failure treatment may cause significant impacts on a patient s daily living and work. 90% 90% of end-stage kidney failure patients (ix) use Continuous Ambulatory Peritoneal Dialysis ("CAPD") for treatment Kidney Failure CAPD 24 HOUR It is a 24-hour continuous method requiring patients to perform solution exchanges 3-4 times each day Source: (ix) Smart Patient Website, Hospital Authority, HKSAR (as of March 2017) Are you and your family prepared for the long-term care expenses of these critical illnesses? Thanks to advancements in medical technology, patients of these critical illnesses may live longer than previously expected. Therefore, planning to include adequate funds for long-term care is very important. MetLife Healthcare Companion Critical Illness Annuity may be your solution of choice, backing you up all the way. 2

4 Summary of Optional Rider Basic Information Issue Age Policy Currency Term of Optional Rider Premium Payment Term Premium Payment Mode Premium Structure Minimum Sum Assured (Equivalent to Monthly Annuity Payment Amount) Age (Age last birthday) US Dollar - Up to age 85 of the insured person; or - Up to age 100 of the insured person Up to end of the Term of Optional Rider Annual payment or monthly payment (same as basic plan) - Premium rates will not increase with the attained age of the insured person - Non-guaranteed premium rates US$500 Benefits Critical Illness Annuity Benefit Covered Critical Illnesses Annuity Period (which is the same as the Term of Optional Rider) Annuity Payment Frequency Waiver of Premium 1 Stroke 2 Kidney Failure 3 Advanced Dementia (including Alzheimer s Disease) 4 Parkinson s Disease 5 Paralysis 6 Major Head Trauma 7 Loss of Limbs 8 Loss of Independent Existence 2 occurring before age 65 - Up to age 85; or - Up to age Annually; or - Monthly Further premiums will be waived upon diagnosis of the above 8 covered critical illnesses 3 Cancer Benefit (Optional Additional Protection) Covered Illness Cancer Payout Cancer One-time lump sum payment which equals to 24 times the sum assured Remarks 1. The Optional Rider will be automatically terminated upon the termination of the basic plan due to (i) surrender, maturity or expiry of the policy of the basic plan; (ii) non-payment of premium; or (iii) in the event where the sum of the applicable loan and the indebtedness under the policy of the basic plan is greater than or equal to the guaranteed cash value before the maturity date of the policy of the basic plan. For basic plans available for attaching the Optional Rider, please contact MetLife Limited or your financial consultant for details. 2. Loss of independent existence refers to the inability to perform at least 3 of the activities of daily living as defined in the Policy Provisions of this Optional Rider (either with or without the use of mechanical equipment, special devices or other aids or adaptations in use for disabled persons) for a continuous period of at least 6 months and leading to a permanent inability to perform the same. 3. Any premium falling due shall continue to be payable until the approval of the claim and such premium paid shall be refunded following such approval. 5

5 Optional Additional Protection: Cancer Benefit In addition to the annuity payments offered upon diagnosis of any of the above 8 covered illnesses, the Optional Rider also provides a Cancer Benefit option as an extra line of defense against cancer. Upon confirmed diagnoses of cancer, the insured person will receive a one-time lump sum payment equal to 24 times the sum assured. In the event of cancer diagnosis, the Optional Rider remains inforce to provide protection as long as premiums continue to be paid. Case Study (All figures below are hypothetical and for illustrative purposes only) Mr. Chan was formerly a Sales Manager. To get protection for long-term care needs, he decided, at age 45, to apply for MetLife Healthcare Companion Critical Illness Annuity 1, and chose a benefit level with the Cancer Benefit and an annuity period till age 100. He was a non-smoker and his monthly premium of this Optional Rider was US$135. $ Diagnosed with lung cancer Received US$36,000 in lump sum Diagnosed with stroke Receiving US$1,500 per month as a guaranteed and steady payout for long-term care Mr. Chan purchased this Optional Rider Age Monthly premium: US$135 Mr. Chan would not need to pay any upcoming premium 3 upon confirmed diagnosis of stroke at age 55 Maturity At age 50, Mr. Chan was diagnosed as having lung cancer. He received a one-time lump sum payment of US$36,000 which would provide immediate financial support for the medical treatment. Five years later, Mr. Chan unfortunately had a stroke, and had to leave his job. With this Optional Rider, he: would receive US$1,500/month as a guaranteed and steady payout to cover long-term care expenses; he would continue to receive this up to age 100. would not need to pay any upcoming premium for this Optional Rider thereafter. 4

6 Key Product Risk Key Exclusions MetLife Healthcare Companion Critical Illness Annuity will not cover conditions that result from any of the following events: any pre-existing condition any congenital anomaly which has manifested or was diagnosed before the insured person attains age 16, infertility or sterilization. Please refer to the Policy Provisions of the Optional Rider for the complete list and details of exclusions. Product Limitations 1. Critical Illness Annuity Benefit and Cancer Benefit resulting from the following items will take effect from the following dates: Items Sickness Accidental injury Coverage Effective Date (after the effective date or the latest reinstatement date of the Optional Rider, whichever is later) 90 days Immediately 2. In the event that the Critical Illness Annuity Benefit has been claimed, MetLife Limited reserves the right to require proof of survivorship of the insured person while the Optional Rider is in force. MetLife Limited shall not require such proof more frequently than once a year. If such proof is not submitted promptly upon request, the benefits under Critical Illness Annuity Benefit shall be suspended. 3. Cancer Benefit shall cease once such benefit is paid and you still have to pay premiums for this Optional Rider to keep it in force. Termination of the Optional Rider In the event that the Critical Illness Annuity Benefit has not been claimed under this Optional Rider, MetLife Limited reserves the right to cancel this Optional Rider by giving 30 day s prior notice in writing to you, provided that MetLife Limited shall cancel all the policies which provide the same coverage to those insured persons which fall within the same category to which the insured person belongs. MetLife Limited shall not cancel any one Optional Rider solely because of: (i) any change in the insured person s health or physical conditions; or (ii) the number of claims presented or the amounts of benefit paid under that Optional Rider. MetLife Limited will consider the past experience and long-term assumptions of a number of factors in respect of the relevant policies including but not limited to (a) operating expenses; (b) policy persistency; (c) cost of claim; and (d) performance of the investment of the assets, in determining whether to terminate the policies of this Optional Rider. Premium Adjustment Premium shall be determined by reference to the issue age, sex and smoking habit of the insured person on the effective date of the Optional Rider. The premium rate is non-guaranteed. MetLife Limited reserves the right to adjust the rate of premium under the Optional Rider by giving 1 month s prior notice in writing to you. Any premium adjustment will reflect the past experience and long-term assumptions of a number of factors in respect of the relevant policies including but not limited to (a) operating expenses; (b) policy persistency; (c) cost of claim; and (d) performance of the investment of the assets. Non-payment of Premium You should pay premium(s) on time and according to the selected premium payment schedule while the Optional Rider is in force. If you do not pay the premium within 60 days of the premium due date, the Optional Rider will be terminated and the insured person will lose the coverage. Credit Risk The Optional Rider is underwritten by MetLife Limited. The benefits payable under your Optional Rider are subject to the credit risk of MetLife Limited. If MetLife Limited is unable to satisfy the financial obligations of the Optional Rider, the insured person may lose the coverage and you may lose the premium paid. Foreign Exchange Risk You should be aware that any transaction which is denominated in a currency other than that of your home currency is subject to foreign exchange risks. Inflation Risk The benefits under the Optional Rider may not be sufficient for the increasing protection needs in the future as the future cost of living may be higher than now due to the effects of inflation. The information in this leaflet is intended for reference only. Please refer to the relevant Policy Provisions of MetLife Healthcare Companion Critical Illness Annuity for definitions, detailed terms, conditions and exclusions. Important Notes MetLife Limited reserves the right to accept or reject any application for MetLife Healthcare Companion Critical Illness Annuity. The above information is intended for reference only. Please refer to the relevant Policy Provisions of MetLife Healthcare Companion Critical Illness Annuity for detailed terms and conditions. MetLife Healthcare Companion Critical Illness Annuity is a rider with no savings element. All premiums pay for the insurance and related costs. MetLife Limited is the insurance underwriter of MetLife Healthcare Companion Critical Illness Annuity, and is solely responsible for all content, approvals, coverage and benefit payment. MetLife Limited is a wholly-owned subsidiary of MetLife, Inc. in Hong Kong and operates under the "MetLife" brand. MetLife Limited is a company incorporated and registered as a private company limited by shares under the applicable laws in Hong Kong. In case of any discrepancy between the English and Chinese versions of this leaflet, the English version shall prevail. MetLife Limited Customer Service Centre: Level 57, Hopewell Centre, 183 Queen s Road East, Wan Chai, Hong Kong Tel: (852) Fax: (852) (This leaflet is for distribution in Hong Kong only.) 6 HK-MKT-AG/CDC/IA-01CILL