What kind of whole life life insurance does metlife offer

Let your legacy live on by ensuring your loved ones are taken care of, even when you’re not there to do it yourself.

Life Insurance

Emotional devastation from death is so difficult. Invest in life insurance so your family is taken care of financially. MetLife is here for them.

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OUR PRODUCTS

Term Life Insurance

Protects your family for a set period of time.

Group Variable Universal Life

Life insurance plus tax-advantaged investments.

Group Universal Life Insurance

1 policy, 2 features: finanical security + saving.

Accidental Death

Low-cost policy for unexpected events.

Beneficiary Assistance

Resources to support you in your time of need.

Did You Know?

The average out-of-pocket cost for end-of-life and funeral expenses is over $20,000 1

MetLife Advantages℠

Preparing for the Future

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Transitioning Through Changes

TransitionSolutionsAssistance

Support Through Difficult Times

GriefCounselingAccess

Thinking About the Future: Your Personal Financial Profile

Why MetLife

Why MetLife

150 Years of Expertise

Collaborate with our experts to help you explore options and recommend the right benefits at the right price.

Unmatched Value

From setup to enrollment and ongoing service through claims, our dedicated service teams are with you and your family every step of the way.

Insurance for Every Stage

MetLife’s insights and expertise provide a wide range of benefit solutions. From health, auto, legal, life, and so much more.

From Our Experts

Young, Single, and Child-Free? Here’s Why You Still Need Life Insurance: 2 min read Top Three Reasons to Reevaluate Your Life Insurance Policy: 2 min read The Risk of Dropping Life Insurance Coverage to Save During Hard Times: 2 min read

FAQ

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What is life insurance and why do I need it?

What kinds of life insurance can I get at work?

Life insurance comes in two main types – term and permanent – which may both be available through your workplace.

Term life insurance pays a specific lump sum to your loved ones and provides coverage on your life for a specified period of time – usually from one to 20 years. If you stop paying premiums, the insurance coverage stops. Term policies pay benefits if you die during the period covered by the policy, but they do not build cash value. They may also give you the option to port. That is, you can take the coverage with you if you leave your company.

Generally, you should consider a term life insurance policy to:

Permanent 9 life insurance policies do not expire. They are intended to protect your loved ones permanently, as long as you pay your premiums. Some permanent life insurance policies accumulate cash value. That means, the value of the policy will grow each year, tax-deferred 10, 11 , until it matches the face value of the policy. The cash can generally be accessed via loans or withdrawals 12 , and can be used for a variety of purposes. This type of plan is typically portable so coverage can continue if employment terminates.

Consider a permanent insurance policy if you want:

What are the advantages of purchasing life insurance through work?

Getting life insurance through work can be an easy way to protect your family. If your employer offers a group plan, consider signing up for advantages that may include:

All you need to do is sign up through your employer, and sometimes enrollment is automatic 14 .

How much life insurance do I need?

Everyone is different, but it may be more than you have now. The insurance coverage you may need changes as your life changes — for example, getting married, starting a family or buying a home may change the type or amount of coverage you need. Many people are surprised to learn that they may not have enough life insurance to cover the many expenses their loved ones could face.

It’s simple to determine the amount of coverage you may need now. Just go to www.metlifeiseasier.com to calculate how much life insurance may be right for you.

How much does life insurance cost?

It may be less expensive than you think. MetLife’s group life insurance plans are cost-effective way for you to provide for your family with competitive 13 group rates and a wide range of coverage options to choose from. Exact rates can be found in the enrollment materials.

NEXT STEPS

Contact your employer for more information.