A comprehensive financial plan includes strategies not only to address financial needs during your lifetime but strategies to protect your family's financial future, such as obtaining life insurance. Though most people are concerned about protecting their family's financial security, many Americans still remain underinsured.1 Being underinsured can place your family at financial risk and cause a difficult financial situation should something happen to you.
The MetLife Group Variable Universal Life (GVUL) provides permanent and portable coverage that goes beyond life insurance protection to help you address financial needs during your life through a tax-deferred investment opportunity.2 The unique combination of features offered by MetLife GVUL can make it a valuable part of your comprehensive financial plan. With over 139 years of experience in providing life insurance solutions, let us demonstrate how this enhanced coverage can help you.
Life insurance can protect your family from unforeseen changes in earning power. It can also be used as a tool to manage estate-planning considerations. No matter what your individual needs may be, GVUL provides permanent, reliable protection for your family and other dependents at affordable group rates. And, since GVUL is portable insurance, you can continue coverage if you change companies or retire.2
Chances are that you have a long-term strategy to address your financial needs during your lifetime. However, because of restrictions on many tax-advantaged options such as 401(k) contribution limits or pre-591/2 withdrawal penalties, you may need a flexible tax-deferred investment option. When you invest within GVUL, you have a convenient way to build assets that can be used during your lifetime to address financial goals -- from those occurring a few years away to longer term goals.2
For more information about GVUL or to speak to a MetLife representative, call 800 846-0124, Monday through Friday, 8:00 a.m. to 5:00 p.m. (CT)
1Fifth Annual MetLife Study of Benefits Trends, 2007. “Underinsured” is defined as having life insurance coverage less than three times annual household income.
2To age 95. In some policy designs, if your employer replaces MetLife GVUL with group life insurance from another insurer or otherwise terminates the GVUL group, your GVUL coverage may also be terminated, even after
separation from employment or in retirement.
IRS Circular 230 Notice: The information contained in this communication is not intended to (and cannot) be used by anyone to avoid IRS penalties. This communication supports the promotion and marketing of GVUL. Employees should seek tax advice based on their particular circumstances from an independent tax advisor.
Prospectuses for Group Variable Universal Life insurance and its underlying portfolios can be obtained by calling (800) 685-0124. You should carefully consider the information in the prospectuses about the contract's features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlying funding choices. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. All product guarantees are subject to the financial strength and claims-paying ability of Metropolitan Life Insurance Company. Group Variable Universal Life insurance has limitations. There is no guarantee that any of the variable options in this product will meet their stated goals or objectives. The account value is subject to market fluctuations so that, when withdrawn, it may be worth more or less than its original value.
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