# Contract with Metropolitan Life Group for Lifellm **Contract Date:** April 5, 2025 **Contract Number:** LF-2025-E-0087 **Parties:** - Insurellm, Inc. - Metropolitan Life Group, Inc. --- ## Terms 1. **Coverage:** Insurellm agrees to provide Metropolitan Life Group with enterprise access to the Lifellm platform, including white-label capabilities, full customization, dedicated support, and enterprise-grade security for their nationwide life insurance operations managing 50,000+ active policies. 2. **Duration:** This agreement is effective for a period of 36 months from the contract date, representing a strategic long-term partnership. 3. **Payment:** Metropolitan Life Group shall pay custom Enterprise Tier pricing of $28,000 per month for months 1-12, $30,500 per month for months 13-24, and $33,000 per month for months 25-36, totaling $1,098,000 over the contract term. 4. **Service Level Agreement:** Insurellm guarantees 99.9% uptime measured monthly, with 10% monthly credit for each 0.1% below target, maximum 30% credit. 5. **Confidentiality:** Both parties agree to maintain the highest level of confidentiality regarding AI algorithms, underwriting models, policyholder data, and strategic initiatives. 6. **Data Security:** Insurellm commits to maintaining HIPAA compliance, SOC 2 Type II certification, and annual third-party security audits. 7. **Disaster Recovery:** 4-hour recovery time objective (RTO) and 30-minute recovery point objective (RPO). --- ## Renewal This agreement includes a mutual 90-day renewal notice period. Metropolitan Life Group receives guaranteed enterprise pricing at or below market rates for renewal. Contract may be extended in 12 or 24-month increments with mutual agreement. --- ## Features Metropolitan Life Group will receive the complete Lifellm Enterprise suite: 1. **Unlimited Policy Administration:** No capacity restrictions, supporting Metropolitan's 50,000+ active policies with scalability to 200,000+ as business expands. 2. **White-Label Platform:** Complete branding customization: - Custom domains (life.metropolitanlifegroup.com) - Branded mobile apps (iOS and Android) with custom UI/UX - Customized email templates and policyholder communications - Co-branded agent portals and marketing materials 3. **Advanced AI Underwriting:** State-of-the-art underwriting capabilities: - Instant decisioning for 75% of applications up to $1M face amount - Predictive mortality models trained on 50M+ data points - Genetic risk assessment integration (when legally permitted) - Accelerated underwriting with no medical exam for qualified applicants - Alternative data sources (social media, financial, education) 4. **Comprehensive Digital Health Integration:** - Wearable integrations: Apple Watch, Fitbit, Garmin, Oura Ring, Whoop - Health app integrations: Apple Health, Google Fit, MyFitnessPal - Biometric screening integration with Quest Diagnostics, LabCorp - Wellness program platform with challenges, rewards, gamification - Premium discount automation based on verified health behaviors - Long-term health trajectory modeling 5. **Complete API Access:** Unlimited API calls supporting: - Real-time integration with Metropolitan's core policy admin system - Agent management system synchronization - Third-party data provider integrations (MIB, IntelliScript, ExamOne, Clareto, Lifescore) - Custom workflow automation - Data warehouse bidirectional sync 6. **Predictive Analytics Suite:** - Lapse and persistency prediction modeling - Cross-sell and upsell opportunity identification - Agent productivity analytics and optimization - Competitive positioning and market share analysis - Lifetime value prediction for policyholders 7. **Advanced Policy Management:** - Automatic premium loan processing - Policy conversion and exchange support - Dividend calculation and distribution (whole life) - Non-forfeiture options automation - Reinstatement processing with re-underwriting - Settlement options administration 8. **Agent Network Platform:** - Support for 5,000+ independent agents and career agents - Hierarchical permissions and agency structures - Real-time commission calculation and reporting - Advanced quoting engine with need analysis tools - Automated licensing and appointment tracking - Agent recruiting and onboarding workflows 9. **Regulatory and Compliance:** - 50-state compliance monitoring and form filing - Automated NAIC reporting - AML (Anti-Money Laundering) screening integration - OFAC (Office of Foreign Assets Control) checking - Escheatment and unclaimed property tracking - Audit trail and compliance reporting 10. **Blockchain Policy Verification:** - Immutable policy records on private blockchain - Fraud prevention through distributed ledger - Beneficiary verification and claims authentication - Regulatory audit transparency --- ## Support Insurellm commits to comprehensive Enterprise-level support for Metropolitan Life Group: 1. **Dedicated Success Team:** - Executive sponsor (C-suite level) with quarterly strategic reviews - Dedicated Customer Success Director with weekly touchpoints - Technical Account Manager for system optimization - Solutions Architect for ongoing innovation projects - Quarterly executive business reviews with CEO participation 2. **24/7/365 Premium Support:** - Guaranteed 15-minute response for P1 critical issues - 1-hour response for P2 high-priority issues - 4-hour response for P3 standard issues - Named support team familiar with Metropolitan's environment - Private Slack channel with engineering team access - Annual on-site support visits (minimum 6 per year) 3. **Comprehensive Implementation:** - 12-month phased implementation program with 3 major releases - Dedicated project management office (PMO) with weekly steering committee - Migration of 50,000+ existing policies from legacy system - Training for 150+ Metropolitan staff and 500+ top-producing agents - Parallel processing with legacy system for 90 days - Go-live support with 8-week on-site Insurellm team presence 4. **Training and Enablement:** - Comprehensive training programs for all roles - Executive briefings on AI and technology trends - Train-the-trainer certification program - Annual user conference attendance (5 attendees, all expenses paid) - Quarterly advanced training sessions - Unlimited online learning platform access - Custom training content development 5. **Custom Development:** - 2,000 hours annually of custom development included - Dedicated development team for Metropolitan-specific features - Priority feature requests with guaranteed roadmap inclusion - Early access to beta features (90 days before general release) - Joint innovation projects and co-development opportunities - Input into product strategy and 3-year roadmap 6. **Integration Services:** - Enterprise integration with Metropolitan's systems: - iPipeline policy administration - Salesforce CRM and agent management - DocuSign for digital signatures - Multiple payment processors - Data warehouse (Snowflake) - BI platforms (Tableau, PowerBI) - Dedicated integration engineer (50% FTE) - Quarterly integration health assessments - Performance optimization and load testing 7. **Analytics and Reporting:** - Custom executive dashboard development (unlimited) - Real-time operational dashboards - Automated reporting suite (daily, weekly, monthly, quarterly, annual) - Ad-hoc analytics support (unlimited requests) - Industry benchmarking against top 50 life insurers - Predictive modeling consultation (quarterly sessions) - Data science partnership for advanced analytics projects 8. **Continuous Improvement:** - Monthly process optimization reviews - Semi-annual efficiency audits with ROI analysis - Best practice sharing and peer learning opportunities - Innovation lab access for emerging technologies (AI, blockchain, quantum computing) - Joint whitepapers and case studies - Speaking opportunities at industry conferences --- **Signatures:** _________________________________ **Jennifer Rodriguez** **Title**: Chief Executive Officer **Insurellm, Inc.** **Date**: April 5, 2025 _________________________________ **Richard Thompson** **Title**: Chairman & Chief Executive Officer **Metropolitan Life Group, Inc.** **Date**: April 5, 2025 --- This agreement establishes Metropolitan Life Group as Insurellm's flagship enterprise life insurance partner, representing a strategic partnership to transform life insurance through cutting-edge AI technology and innovation. This contract supersedes all prior agreements and communications.