momentumFeatured Inside

Media blitz this

holiday season

3Q earnings snapshot

Field trips make for great

service effort

Brand Center goes live

LTC quiz: see how you score

Celebrating Colleagues

Alzheimer’s Memory Walk

becomes a family affair

Diversity at MetLife

Safe Return Program

Volume 5, Issue 10

N o v e m b e r 2 0 0 4

1

Vision Talk with Bob

< Be sure to visit Momentum Online at mww.metlife.com >

My story begins several years ago at my parents’ home.

My grandparents were visiting at the time. I was new

to financial services and began telling them about the value

and benefits of long-term care coverage. This piqued my

grandfather’s interest, so I ran a quick quote for him.

Immediately, my grandfather said that it was too expensive —

not an unlikely response. With little experience, I said that’s

fine and didn’t push any further. I now wish I had. My grand-

mother is in the mid-stages of Alzheimer’s disease. She can’t

be left alone and will need full-time care. I’m sad to say that

my grandparents are depleting their savings and may need

government aid.

Recently, as a manager, I went on a joint call with one of

my newer reps to visit a man who was retiring from a

pharmaceutical company. The purpose of the call was to

close a life sale. We closed the sale as well as added the

disability waiver of premium option to the policy. I brought

up the long-term care coverage and, as you might guess, the

client was reluctant — until I shared my personal experience.

I told them what happened and the situation that faced

my grandparents and my family. Fortunately, the client was

convinced. Shortly afterward, he was diagnosed with a

brain tumor. He and his family are using the long-term care

coverage as well as the waiver of premium option to keep

their life insurance in force.

I want to make sure my clients are absolutely covered for the

things that are really important. That’s

the first step; the rest can come later.

Brian Brandt

New England Financial ■

As Baby Boomers — all 77 million of

them — age, many will face new

challenges such as having enough

income to last through life, planning

for the possibility of needing long-term

care, and fulfilling their desire to

remain independent and vital well into

later life. This presents important

opportunities for MetLife as we deliver

solutions and best-in-class research to

help our customers secure an income

they can’t outlive or access elder care

and long-term care services.

MetLife has long been a thought leader

on issues related to aging through the

studies we support and fund, our

participation in policy discussions, and

our corporate citizenship. Nowhere is

that more true than MetLife

Foundation’s commitment to

combating Alzheimer’s disease. I am

always astounded by the statistics —

4.5 million Americans have Alzheimer’s;

one in three people know someone

who does; millions more will be

affected in the years ahead. The toll

on caregivers, mostly family members,

is especially hard.

Continued on Page 2

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stories of significanceWhat if you could make a difference — help a family send their children to college, or save someone’s business? Help

aging parents get the care they need without depleting their life savings? Assure a widower he’ll be able to make more

than ends meet? That's what we do every day. Though we don’t all have face-to-face contact with clients, the support we

provide to those that do, means we all play an important role in helping our customers secure a legacy and achieve peace

of mind, independence and dignity through all life stages. Recently, Momentum discussed Living a Life of Significance, an

Individual Business focus that reaffirms the impact that our reps have by being advocates for those who cannot speak for

themselves — a customer’s beneficiaries, families and employees. From time to time, we’ll publish personal stories from

associates on how each of us leads a life of significance. The emotional connection we make with our customers, the

financial freedom we make possible, is something to feel good about every day.

Keep an eye out this holiday season

for a media blitz of MetLife consumer

advertising. During November and December, MetLife

will prominently run our “have you met life today® ” cam-

paign during the Thanksgiving season, celebrating family

and life significance. Through the “have you met life today?”

campaign, launched in April 2001, MetLife has used a

combination of hope, humor, humanity — and Snoopy® —

to position MetLife as offering a breadth of financial

solutions as well as to convey a celebration of life,

beginnings and financial freedom.

TV spots are appearing on several network programs such as

NFL football, the Macy’s Thanksgiving Day Parade and a

variety of Prime-time specials and holiday programming.

The spots are also appearing on Cable, including A&E, CNN,

Discovery and FOX Sports. Print ads are appearing in such

publications as Business Week, Forbes, Money, Black

Enterprise, Smart Money, Time, Newsweek, U.S. News &

World Report, and Sports Illustrated.

Using themes like “create your own pension plan” and

“guaranteed income for life,” the print ads identify

specifically with the financial concerns of baby boomers who

may be concerned about outliving their savings and planning

for the future. These ads address the issues faced by many

of our clients — such as whether they have sufficient life

insurance, enough money to fund their retirement or pay

for long-term care.

N o v e m b e r 2 0 0 4

2

Media blitz this holiday season

Cont’d from Page 1

Vision Talk with Bob

In recognition of National Alzheimer’s

Disease Awareness Month, I want to

share with you some of the things that

MetLife and MetLife Foundation are

doing to fight Alzheimer’s and draw

attention to key issues associated with

it. Thanks to this support, much is being

done to advance research, increase

understanding of the disease, help

caregivers, and promote protection-

planning solutions, such as long-term

care insurance.

Each year, through the MetLife

Foundation Awards for Medical

Research Program, we honor scientists

who are on the frontlines in the battle

against Alzheimer’s and who have made

significant contributions to the

understanding and treatment of the

disease. The Foundation has also

supported the Alzheimer’s Association

for many years, including funding for

videos for use by caregivers and

families of persons with Alzheimer’s as

well as education resources for the

Hispanic community. And, this year,

MetLife Foundation was the sponsor of

the Emmy-winning PBS documentary

and outreach program, The Forgetting:

A Portrait of Alzheimer’s. New

initiatives also are in the works. In this

issue, you’ll read about one of them —

a nationwide identification program,

Safe Return, that helps return

individuals with Alzheimer’s who

wander and become lost.

The company is also doing important

work on other age-related issues

through our Long-term Care business

and the MetLife Mature Market

Institute. The recent national

Long-Term Care IQ Test study [see p. 5]

is a good example, as is the annual

MetLife Market Survey of Nursing Home

and Home Care Costs and Ten Tips for

Talking to your Aging Parents, resources

promoted widely in the media and

shared with advocacy organizations.

MetLife and MetLife Foundation, in

these and so many ways, play a

transformative role in people’s lives.

Through our efforts, people day in and

day out are being touched in a positive

way — and that’s a great story to

celebrate with each other, and with

our customers, friends and family not

just this month, but all year round. ■

Highlights of Network Coverage

NETWORK PROGRAM DATE

Thanksgiving Day festivities

NBC Macy’s Thanksgiving Day Parade

CBS Detroit Lions v. Indianapolis Colts

Regional Thanksgiving Day Parades

Specials

NBC Tim McGraw Special

Seinfeld (DVD Release) Special

Miracle on 34th Street

Tom Brokaw Special

It’s a Wonderful Life

Shrek Broadcast Premiere

A Christmas Carol Original Movie

ABC How the Grinch Stole Christmas

(Jim Carey version)

Charlie Brown Christmas

Primetime airing

CBS CSI Miami

NCIS

CSI NY

Without a Trace

Joan of Arcadia

60 Minutes

Cold Case

Christmas Ornaments

Cable Highlights

*Schedule subject to change

Five consumer TV ads will rotate during the media blitz.

The 30-second spots follow similar themes as the print ads,

portraying the issues MetLife helps our clients manage every

day in order to build financial freedom. ■

MetLife ads have great visibility this holiday season. As

reported in MetLife NewsWeekly earlier, here are highlights

of network and cable coverage.

3

momentum

Here is a sampling of what

analysts had to say about

MetLife 3Q earnings results

Strong Earnings Power Headed

into 2005

Solid Results; Aggressive Capital

Redeployment Ahead

Generally Another Solid Quarter

Solid 3Q Results

More of the Same: Another

Uneven Quarter

Making the Grade; Results

Ahead of Expectations

High Quality Upside Surprise

Strong Results, Valuation

Discount Unwarranted

Good Clean Quarter

Total Revenues

($ millions) Three months ended September 30Actual 2004 Actual 2003 % Change

(2003/2004)Premium & Fees $6,474 $5,702 14%

Net Investment Income 3,108 2,914 7%

Other Revenue 341 335 2%

Operating Revenues 9,923 8,951 11%

Net Investment Gains/(Losses) 178 (151) 217%

Total Revenues $10,101 $8,800 15%

* Includes results of SSRM Holdings Inc.

Sometimes, it takes a field trip

3Q Earnings at a glance

How better to understand the

needs, challenges and daily pace

of our Individual Business (IB) agencies

and firms than by actually spending

time there?

That’s the concept behind an innovative

program in pilot phase in IB Operations

and Services to deliver even higher

levels of service to the Field. The SOAR

Program, which stands for Sales &

Operations Associate Rotation,

provides associates with an opportunity

to participate in a three-day sales

office visit.

This program is one of the Five-Point

Plan initiatives outlined by IB

Operations and Services to give its

associates the tools, resources and

perspective they need to deliver ease

of doing business and outstanding

service to our Field customers.

The objectives are simple — gain a

clearer understanding of what it’s

like to work in the Field; understand

areas for improved support; and

build partnerships.

Two teams, made up of three associates

each, participated in the pilot. Members

of Life Administration, the eSERVICE

team and IT Application Development

staff visited MetLife Financial Services

57J Aequitas Agency in Texas; and

members of the Field Segmented

Service team, Remittance Service Center

and Life New Business visited NEF 007

Boston Noland Firm.

The visits had a structured agenda,

exposing the teams to all facets of

agency life. And, by all accounts, they

were a huge success.

“This was a big eye-opener,” says Janet

Arnold, Field Service Strategy and

Support, who visited the Boston Noland

firm. “I was impressed by the commit-

ment of everyone. The managing

partner spoke to us for two hours! We

met with just about everybody: the

marketing director, office manager, and

experienced and newly hired

producers to get their perspectives.”

“We all benefit when we operate

together for success,” says VP Tricia

McCreary, a member of the team who

managed the pilot. “The best way to

support our Field partners is to learn

about their operations close-up by first-

hand observation and share this

information with other members of

the service organization so that many

individuals benefit from the insights

gained by the participants.”

The benefits of the SOAR program

extend to the agencies and firms

as well.

“This program helps open up the

two-way communication” says Dale

Brennan, Life Administration, who

visited the Aequitas Agency. While

we’re getting a clearer sense of agency

life, field offices are learning firsthand

about how partnering with IB

Operations and Services can help them

be more productive.”

Said Gary Simpson, managing director,

Aequitas Agency, “It was great to have

the team with us for a few days. They

were informed and very helpful; they

answered a lot of questions and even

helped resolve some issues while they

were here; others they took back with

them to address. Their visit was a major

step toward increased communication

and awareness so we can work

together on the vital issues. The first

step is a common understanding.”

Continued on Page 8

Overall business results

Net income of $695 million, a 21 percent increase,

compared with the prior year. Top-line revenue growth

in all of MetLife’s business segments, strong interest

spreads and an improvement in net investment gains all

contributed to this increase.

Earned total premiums, fees and other revenues of $6.8

billion, a 13% increase over the prior year period.

Operating earnings for the third quarter of 2004 were

$621 million, or $0.82 per diluted share, compared with

$616 million, or $0.81 per diluted share, for the prior

year period.

Line of business results

Institutional Business operating earnings for the third

quarter of 2004 were up 11 percent, at $294 million,

compared with $264 million in the prior year period.

Growth in the segment was due to strong interest spreads

and continued growth in the asset base for Retirement

and Savings.

Individual Business operating earnings were up 18 percent,

at $201 million in the third quarter of 2004, compared with

$171 million in the prior year period. Results in Individual

Business were driven by higher earnings in the annuity

product line due to overall growth in this product

segment, as well as strong interest spreads.

Auto & Home operating earnings were $34 million in the

third quarter of 2004, compared with $42 million in the

prior year period. Auto & Home results were negatively

impacted by an increase of $58 million, net of income

taxes, in catastrophe losses, due primarily to hurricanes in

the southeast.

International operating earnings were up 22 percent, at

$45 million in the third quarter of 2004, compared with

$37 million in the prior year period. International’s results

were driven by unusually strong earnings from the

company’s operations in Mexico and solid earnings

growth in South Korea. ■

On October 28 MetLife issued third-quarter earnings results. Below are select highlights; to review full

earnings visit the Investor Relations page on www.metlife.com

“It was energizing to see what we

do every day put into action in

the Field. Producers told us what

was working and what got in

their way. We were able to deal

with real issues on the spot. The

agencies have an expanded

support network now. Real

people behind the names to help

them be more successful.”

Julie Kellerman

Life New Business Operations

Operating Earnings by Line of Business

($ millions) Three months ended September 30Actual 2004 Actual 2003 % Change

(2003/2004)

Institutional $294 $264 11%

Individual 201 171 18%

Auto & Home 34 42 (19%)

International 45 37 22%

Reinsurance 14 18 (22%)

Asset Management 7 4 75%

Corporate & Other 26 80 (68%)

Total Company $621 $616 1%

Sheri Lassiter, Jennifer Watkins, and DaleBrennan visiting with Aequitas Agency’s Tom Van Fossen and Gary Simpson.

Here’s a guide to the features of the Brand Center.

Under Brand Essentials you’ll find a wealth of practical

information about some of the new usage rules for the

MetLife logo, marks you should and shouldn’t use for

affiliates and subsidiaries, as well as access to various

approved MetLife logos you can use for marketing

purposes or to share with vendors.

Go to the Learn section and print your own personal copy

of MetLife’s brand story. This narrative includes the history

of our brand, the elements of our brand strategy, and

how we can manage the brand most effectively to

leverage the strong MetLife brand identity.

In the Create section of the Web site, you’ll find

guidelines on using Snoopy® and the rest of the PEANUTS®

gang. You’ll also find guidelines on color, typography and

other elements of the brand management program,

including information on writing in “the Voice of

MetLife.” The section also contains an overview of

brand-related legal concepts, such as trademarks and

registration and the naming of products and services.

The Gallery is a special pictorial of how advertising

supported the growth of the MetLife brand in the

20th century. Through “themes throughout the years,”

and the “brand story timeline,” you’ll see how we’ve

communicated MetLife's core attributes to our

customers over the years to create the strong identity

we enjoy today.

Answers to your most frequently asked questions can be

found on the Brand Forum section of the Web site.

A Presentation Primer is also available on the Brand

Center to help you not only manage the brand, but create

effective and compelling presentations for clients,

colleagues and other business partners.

As the brand management program grows, the online

Brand Center will grow with it. Planned additions include

more detailed guidelines — for Web sites, for example,

as well as more templates and guidelines to help bring

consistency to the way we communicate our brand and its

messages, both inside and outside of MetLife. ■

N o v e m b e r 2 0 0 4

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Have you been tothe Brand Center?

Site offers something for everyone in

“living” the brand

MetLife’s new online Brand

Center is now available for all

associates through the Internet at

brandcenter.metlife.com. This resource

has been developed to give associates

the tools they need to continue to

protect and enhance the MetLife brand

on an ongoing basis.

Developed in partnership between

Corporate Communications and

Corporate eBusiness, with input from

representatives from across the

company, the Brand Center is your

one-stop shop for learning about the

history, strategy and principles that lay

at the core of the MetLife brand. The

site also provides easy access to a host

of resources, including logos, guidelines

and templates, that can help you put

the principles of brand management

into action.

“The Brand Center is housed on the

Internet so it can be utilized by our

international affiliates, as well as

external partners and vendors,” says

Jeffrey Damon of Corporate Creative

Services, who played a key role in

developing the site. “At the same time,

it provides a wealth of information

associates can use on a daily basis — for

example, guidelines on key phrases to

use in talking or writing about the

company or visual identity guidelines

for newsletters and presentations.

“Using the same principles for the

Brand Center as we’ve applied for other

Web sites such as MetLife.com, the

Brand Center features easy navigation

and intuitive design,” says Dorothy

Kelly, vice president, Corporate

eBusiness. “Ongoing partnership with

the Brand Steering Committee and

business users was key to developing

this site. Building on the technical

solution from our eBusiness IT partner

to customize the Brand Center

navigation, we leveraged the Vignette

web content management that supports

MetLife.com. This resulted in an

enhanced ROI and enables real-time

content changes for the Brand Center.”

Corporate eBusiness will continue to

support the brand project, partnering

with Corporate Communications to

create a detailed enterprise Web style

guide, as well as through ongoing

enhancements to the Brand Center.

In the first of a multi-part

series, last month Momentum

introduced to you MetLife’s

new global brand management

program. Promoting consistency

in how MetLife communicates,

this program provides all

associates with the structure and

guidelines to manage the

brand as one of the company’s

most important assets. This

month’s installment in the

series focuses on the program’s

primary “toolbox” — the

online Brand Center.

How’s the media doing on LTC coverage?

The LTC IQ Test was conducted alongside an analysis of

long-term care coverage in the media since most Americans

learn about financial planning and insurance needs in this

way. Concern has arisen within the insurance industry that

much of the reporting on long-term care and long-term care

insurance has been inadequate in providing the depth and

accuracy of information that’s needed to make informed

choices when considering this purchase.

Here’s a sampling of what the Media Reality Check revealed:

Six in every seven articles on long-term

care insurance have gaps that need to

be filled. These gaps could be

misstatements, or the omission of a

basic piece of information on long-term

care insurance.

Qualifications for long-term care

and costs are the most common

categories where misstatements

about long-term care insurance

occurred.

While definitions of long-term

care and long-term care insurance

are the categories with the most

omissions, the most common

individual omissions were that

long-term care insurance helps

protect financial assets and that long-term

care insurance can help pay for long-term care services.

You can review the full findings of the Media Reality Check

and The Long-Term Care IQ Test by visiting the MetLife

Mature Market Institute page on www.metlife.com. ■

5

Far too many Americans still lack some of the information they need to help them make decisions about long-term care

planning. This is why MetLife’s Mature Market Institute, in cooperation with Long-Term Care, Marketing, Public

Relations and GAIRD, commissioned a national Long-Term Care IQ Test study, designed to assess Americans’ understanding

of long-term care and long-term care insurance.

Results from the IQ Test, a poll of almost 1,500 people, revealed that most Americans lack some basic knowledge of long-term

care. In fact, only about one in three people passed the IQ test, with only two percent of individuals receiving a grade of “B”

or better. “We find that many Americans have misconceptions about long-term care,” said Sandy Timmermann, director,

MetLife Mature Market Institute. “Some associate it only with nursing homes, not realizing that most care is provided at

home. Others mistakenly believe that long-term care services are paid for through a government entitlement program like

Medicare. The results of the IQ Test show that baby boomers need more education about long-term care so they can better

plan for their future.”

Long-Term Care: How much do you know?

Can you do better? Below are questions

from the Long-Term Care IQ Test. See

for yourself . . . then do something

about it. See www.metlife.com for

more information, studies and resources

about long-term care and aging.

1. Long-term care refers to a situation

when a person needs:

A Medical treatment in a hospital

B Medical treatment at home

C Chemotherapy

D Ongoing assistance with

day-to-day activities such as

bathing, dressing or eating.

2. How many households are

providing care to an adult family

member or other loved one?

A One out of 2

B One out of 5

C One out of 10

D One out of 15

3. What percentage of Americans

aged 85 years, or older, need some

help with ordinary activities of

daily living?

A 20 percent

B 40 percent

C 50 percent

D 80 percent

4. The cost of receiving long-term care

can vary a lot, depending on where

in the country you live. What is the

current national average annual

cost of receiving long-term care in a

private room in a nursing home?

A $40,000 – $49,999

B $50,000 – $59,999

C $60,000 – $69,999

D $70,000 – $79,999

5. Which of the statements below is

true of long-term care insurance?

A Replaces lost income when

someone is out of work because

of a disability

B Covers the cost of someone who

needs supervision because of

Alzheimer’s disease

C Pays for visits to the doctor

D Pays for a hospital stay

6. When they reach traditional

retirement age, all U.S. citizens are

entitled to receive basic coverage

from the government for:

A Dental care

B Health care

C Long-term care

D Both B and C

7. Where do most people receive

long-term care services?

A In their own home

B Assisted living facility

C Nursing home

D Hospital

8. What are the chances that an

individual who reaches age 65

will live at least 18 more years?

A 25 percent

B 35 percent

C 50 percent

D 75 percent

Here are some key findings:

Fewer than 4 in 10 understood

their likely longevity rate.

Three out of 4 underestimated

how many people over age 85

need assistance with activities

of daily living.

Only 1 in 5 correctly identified

that most long-term care

takes place in the home.

Nearly half underestimated

the cost of care in a

nursing home.

Four in 10 mistakenly believe

that they are entitled to

basic coverage for LTC from

the government.

More than 6 out of 10 did

not correctly estimate the

cost of waiting to buy LTC

insurance until an older age. Answers: D, B, C, C, B, B, A, C

momentum

N o v e m b e r 2 0 0 4

6

When she donated her bone marrow

in November 2002 to a woman with

leukemia, Chrissy Krauss never dreamed

she would be identified again as another

match. But in April, she learned that she

was — this time, for a seven-year-old boy,

also with leukemia.

The systems analyst from MetLife’s Convent

Station, NJ, office says there was no

question she would donate again.

Chrissy first became involved in the

National Marrow Donor Program through

a recruitment program here at MetLife.

”I had never really thought about marrow

donation until MetLife set up a booth in

our office to talk about this.“

Since 1998, our company has worked

actively to recruit employees, such as

Chrissy, as potential marrow donors by

having them join the National Registry.

Today, about 4,000 associates have done so.

MetLife Foundation provided funding to

the Marrow Foundation to begin the

program. MetLife also has supported

the registry effort beyond MetLife by

developing an educational corporate

donor video for the Bone Marrow

Foundation to use on a national basis.

“How can you balance a couple of days of

discomfort with what this boy is going

through,” says Chrissy, speaking about the

recipient of her second donation. “The

idea that I could help save a life — that I

had something very unique to give — is

what led me to donate then, and now.”

The need for marrow donors is great, even

more so in certain minority populations,

according to Deanna Sainten, who

manages the Corporate Blood and Marrow

Program. Every year, 30,000 children and

adults are diagnosed with leukemia or

other forms of cancer for which a marrow

or blood stem cell transplant could be the

cure. About 30 percent will find a

matching donor within their family; the

remaining 70 percent will need to search

for an unrelated donor.

“Chrissy is such an outstanding example of

what our MetLife recruitment program can

accomplish, bringing together real heroes

with people in desperate need,” says Lee

Launer, executive vice president and Blood

Program executive sponsor.

“I was afraid to join the Registry at first

truth be told,” admits Chrissy. “But there is

so much good that can be done, and you

really get the support, information and

medical care you need to make the

decision that’s right for you. It’s a

personal choice, but for my part, I could

only say yes.” ■

Want to registeror learn more?

Help save a life; consider

joining the National

Marrow Donor Program's

national Registry of

unrelated marrow and

blood stem cell donors.

Registration is easy

and can be done at a

MetLife-sponsored blood

drive or at a local Red

Cross office. For more

information about

marrow donation, contact

Deanna Sainten of

Human Resources at

(212) 578-3786 or

visit www.themarrow-

foundation.org.

Celebrating Colleagues

“Chrissy is such an outstanding

example of what our MetLife

recruitment program

can accomplish, bringing

together real heroes with people

in desperate need.”

Lee LaunerExecutive Vice President

Blood Program Executive Sponsor

Alzheimer’s MemoryWalk calls associates

and their families to action

Six-year old Asia Chandler

joined her Mom, Lakisha

Halback, a financial analyst

in Retirement & Savings,

and many other associates

and their families, in the

Memory Walk held this

October in New York. The

event raises awareness

about Alzheimer’s disease

(AD) and builds support for

services to affected

individuals, their families

and caregivers. MetLife

team members included

family and friends. The walk

raises funds for education,

programs and services.

Asia took the time to write

us about her experiences

walking for AD awareness,

and we couldn’t help but

share her terrific letter.

Thank you, Asia, and all

who gave up part of their

weekend to support the

fight against AD. ■

The Corporate Blood and Marrow Program isstrongly supported by our company’s leadership.

Featured with Chrissy Krauss is EVP Lee Launerand Chairman and CEO Bob Benmosche.

7

Office of Diversityholds secondDiversity Summit

For almost 80 years, MetLife has

provided General Motors with

valuable employee benefits for its

corporate employees around the world.

What you may not know is that MetLife

also has been working with GM

dealerships for over 40 years.

This relationship, which involves

marketing employee benefits to over

7,000 dealerships nationwide, is

managed through Strategic

Partnerships, a group within MetLife’s

Institutional Business. So when GM

minority dealers formed the Minority

Dealers Association (GMMDA), it creat-

ed a natural partnership opportunity

for us, according to Liz Brisson, account

manager, Strategic Partnerships.

“The GMMDA is always looking to

partner with companies who offer

products designed to positively affect

the bottom lines of our members,”

says GMMDA President and GM dealer

Gregory Jackson. “We also look for

companies who share our commitment

to diversity. We are happy to say that

we have found both in MetLife.”

According to Liz, MetLife’s sponsorship

of the GMMDA goes beyond financial

support and attendance at their annual

conferences. With over 400 dealerships

within the GM minority dealer

network, MetLife provides educational

workshops at the GMMDA-sponsored

events on topics like “The Need for Life

Insurance,” and we recently introduced

MetLife Advice to its members.

For all of these efforts, MetLife was

named GMMDA’s Preferred Vendor

in October.

“We have always been very pleased

with our partnership with MetLife,”

adds GMMDA Executive Director

Marjorie Staten. “MetLife’s history

of providing quality products and

services to GM dealerships instilled in

us a sense of confidence from the

very beginning.”

Throughout October, MetLife’s products

and services were marketed to GMMDA

members. It was perfect timing because

October was GM Awareness Month

at MetLife, an effort to focus our sales

associates on all GM Dealership

prospecting opportunities.

For more information, contact Liz

Brisson or view GMMDA’s Web site:

www.GMMDA.org. ■

MetLife namedGMMDA “PreferredVendor” for October

diversity at MetLife

New program to safeguard peoplewith Alzheimer’s

As many as 60 percent of the 4.5 million Americans with Alzheimer’s disease (AD) will wander at some time, often leaving

home and unable to find their way back.

To address the wandering problem, MetLife Foundation is working with the Alzheimer’s Association on a new outreach

initiative to enhance the Alzheimer’s Association’s Safe Return Program — a nationwide identification program that helps

return individuals with AD who wander and become lost. Funded by the Department of Justice, Safe Return is the only

nationwide identification, support and registration program working at the community level. The program provides

assistance whether a person becomes lost locally or far from home.

Safe Return is implemented through a nationwide network of Association chapters, coordination with law enforcement, and

a national call center organized around identification products, including a bracelet or necklace, iron-on clothing labels, key

chain, identification card, etc. Contact information, used to help reunite lost memory-impaired adults with their caregivers, is

contained in a national, computerized database.

Thanks to MetLife Foundation funding, the Alzheimer’s Association will award grants to chapters across the country to draw

attention to and increase utilization of this program. This includes promoting the Safe Return Program in communities

through the use of local media, including print and/or radio, educational conferences, and town hall meetings as well as

other innovative ways to build awareness. ■

momentum

On September 20 and 21, the Office of Diversity held its

second Diversity Summit. The theme for the Summit,

which was kicked off by Bob Benmosche, was “Diversity:

The Way We Do Business,” and focused on the many ways

diversity is embedded in MetLife’s business practices, and

workplace. Attendees at the Summit included members of

MetLife’s enterprise diversity council, representatives from

line of business diversity committees, representatives of local

diversity councils and representatives from MetLife’s affinity

groups (Multicultural Resources Network [MRN], Professional

Women at MetLife [PWAM] and Gay, Lesbian, Bisexual, and

Transgendered [GLBT] Group).

During the two-day summit, attendees discussed the progress

we have made as a company in the area of diversity, one

example of which was the rollout of a new diversity

operating guidelines toolkit. The toolkit will be used to assist

the various councils, committees and groups involved in

diversity efforts throughout the company to better align

themselves with the overall MetLife diversity strategy. Also

showcased at the meeting was a brand new CD, which

highlights our commitment and successes in the area of

diversity. Demonstrating that diversity is indeed a business

case, Jim Gemus, senior vice president of Business Strategy

and Planning, discussed how diversity is tied to the company’s

vision of growth and innovation.

“This Summit was a great forum for sharing successes,

opportunities and challenges related to diversity,” said

Denise Singleton, head of MetLife’s Diversity Office.

“Bringing together people from all backgrounds and

businesses is a valuable — and extremely energizing —

way to accelerate our progress.” ■

N o v e m b e r 2 0 0 4

14th Annual Make A Difference Day

with Soaringwords

MetLife associates inBoston help with

Project Hope

IndependentDistribution Group

celebrates hardwork; successes

More than 75 associates in Long Island City and Scranton

partnered with Soaringwords, a national nonprofit

organization inspiring ill children and their families to

“never give up!”

Volunteers decorated SoaringQuilts® and SoaringPillows®,

which will be donated and delivered to hospitalized children

in the New York City and Scranton communities. The premise

behind Soaringwords is that uplifting words and art have

positive and healing impact in the lives of sick children and

their families.

MetLife has been working with Soaringwords for several

years, and through its volunteer program, enables associates

to make a difference. This latest project with Soaringwords

was the first time two MetLife sites took part in the same

activity simultaneously. This weekend project was also unique

in that it enabled associates’ family and friends to participate

in the project. Soaringwords quilts and pillows were

completed over a weekend and returned for distribution

on Monday. ■

Momentum is published by MetLife Corporate Communications for associates enterprise-wide. We encourage your

questions and comments. Send submissions to momentum@metlife.com or in Lotus Notes, simply type in “Momentum.”

Editor: Caroline Campanelli

Contributing Writers: Toby Axelrod, Gillian Rosheuvel

0411-6506 (1104)

Printed in USA

PEANUTS © United Feature Syndicate, Inc., www.snoopy.com

8

On September 30 associates from MetLife in Boston participated in the United Way’s Community Care Day. Community

Care Day is one of many events that take place as part of the annual United Way Campaign.

The team spent the day at Project Hope, a community-based, multi-service center agency that shelters families and

operates programs that help move the families from crisis mode to economic stability. MetLife volunteers did some light

cleaning, painted, and gardened, and even participated in career exploration activities with women in Project Hope’s

Women’s Adult Learner Program.

Both New England Financial and MetLife have supported and participated in this event for many years and it is a great way

to give back to the community, according to Community Care Day coordinator Roxane Romulus. In fact, in connection with

their volunteerism, MetLife Foundation made a $1,500 grant to the organization. ■

St. Louis-based Life Independent Distribution Group associates and their service partners gathered October 7 for a picnic

at MetLife’s Tesson Ferry Road location. Mike Farrell, senior vice president (l.), who oversees MetLife’s Independent

Distribution businesses, and members of his senior management team, thanked the more then 375 associates who attended

for their hard work. Special guest Michael Weisman, GenAmerica Advisory Council chairman, also attended. Associates had

the opportunity to view the MetLife Traveling Exhibit, brought to St. Louis by MetLife Company Archivist Dan May; meet

Snoopy; and hear Houseband, a local jazz band headed up by one of MetLife’s associates, Ed Hamilton. ■

roundup

Cont’d from Page 3

Sometimes, it takes a field trip

Given the great success of this pilot,

more agency visits are being planned

for 2005, according to IB Operations &

Services Senior Vice President Peggy

Fechtmann. “This is really such a win

all around,” she says. “Their feedback

and partnering put us in an excellent

position to deliver on our commitment

to world class service.” ■