Individual disability income insurance can help to deliver the income protection your clients' employees need, either as a stand-alone policy or supplementing a Group Long Term Disability (LTD) plan. MetLife provides the flexibility to choose between two high-quality, high-value policies to meet your clients' needs and expectations.

MetLife offers individual disability income policies designed to meet the income protection needs of employees:

• Noncancelable and/or Guaranteed Renewable.
• Maximum flexibility in premiums and coverage.
• High-quality benefit definitions.

These policies offer strong contract features with a wide range of optional benefits to choose from. Your clients can also customize their program—increasing its value—by choosing from several optional benefits.¹ Some are listed below:

• Residual Disability benefits
• Catastrophic Disability Benefit²
• Long-Term Care Guaranteed Purchase Option²
• Cost of Living Adjustment

Quick Links:

WhyMetLife: Tools & Resources

Additional Information:

Guaranteed Standard Issue (GSI) and Fully Underwritten MetLife Programs

Business Products

Supplemental Income Protection for Executives

¹Optional benefits are available at an additional premium cost, and certain riders may not be available in all states. Ask your representative for complete costs and details.

²Not available in all states.