Insurance is issued by Metropolitan Life Insurance Company, New York, NY 10166

Like most insurance policies, MetLife insurance policies contain, exclusions, limitations, reductions of benefits and terms for keeping them in force. I'll be glad to provide you with costs and complete details.

These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 68%, depending on the policy. This ratio is the portion of future premiums, which MetLife expects to return as benefits, when averaged over all people with the applicable policy.