As an established leader in the life insurance and money management areas, we have combined our expertise to develop a variety of financially-attractive retiree life insurance financing alternatives which combine the very best insurance and investment features to help your company accomplish the following:

• Reduce the long-term cost of providing this benefit through tax efficiency.
• Strengthen financial statements.
• Increase financial flexibility.
• Enhance the ability to provide retiree life insurance.
• Reduce retiree plan administration work.

MetLife has made a special effort to help employers successfully manage their welfare benefit liabilities and is unique in the industry for creating a unit that specializes in the design and development of welfare benefit funding solutions. Our team of post-retirement benefit professionals with expertise in the tax, accounting, actuarial and benefits areas will work with you to develop and implement retiree benefit solutions.

Let MetLife help you leave your post-retirement benefit concerns behind by planning now for future retiree needs.

Our portfolio of product solutions includes:

Life Insurance Funding Account (LIFA) - By amending your basic group term life insurance coverage, LIFA provides beneficial accounting and tax advantages by allowing you to pre-fund the cost of your retiree group term life insurance plan. The LIFA program incorporates an analysis of the current and emerging liability, a funding recommendation based on your specific liability situation, and funding options that match assets and liabilities.

Guaranteed LIFA - Enhances basic LIFA provisions by effectively capping your out-of-pocket costs for a specific group of retirees and allowing you to transfer the accounting liabilities and risk associated with your retiree group term life insurance plan. Payment options are available to best suit your financial and tax needs.

Trust Owned Life Insurance (TOLI) - Designed to fund retiree medical liabilities for salaried groups on a tax-efficient basis by using a specialized life insurance arrangement.

Funding Agreements - A MetLife Funding Agreement is used to finance general employee benefit plan funding. We can work with you to project these liabilities and cash flow requirements so that we can structure a Funding Agreement to meet your funding needs.