Group Benefits

Group Benefits

MetLife has the expertise and the range of benefit solutions to help your clients protect and provide for their employees.

MetLife brings its industry leader’s perspective to our customers’ benefit opportunities and challenges. We are committed to providing clients like yours with flexible group benefit solutions that can help strengthen a comprehensive benefits program and meet the diverse needs of their employees.

Group Auto and Home Insurance¹

Round out your clients' benefit packages by providing them with access to group rates for group property and liability coverage.

Group Dental

MetLife offers a wide variety of dental benefit plans and funding arrangements for employers of all sizes.

Group Term Life Products

Offer your clients a fundamental part of their overall benefits program with basic, supplemental, and dependent term life insurance products to protect their employees and those they love.

Group Permanent Life² Products

Some employees may need a different type of protection to support their insurance and estate tax-planning needs. Permanent Life insurance can provide the right solution for highly compensated employees and the broader based population.

• Group Variable Universal Life (GVUL) combines life insurance protection with a tax-advantaged investment option for employees.

• Group Universal Life (GUL) offers life insurance protection while allowing employees to participate in the Cash Fund.

Group Accidental Death & Dismemberment

MetLife offers a variety of AD&D products—basic, supplemental, dependent and voluntary—that provide “living benefits” that employees can take advantage of today.

Business Travel Accident Insurance

Provide customized, cost-effective solutions that help protect employees when they travel for business, both domestically and internationally.

Employer Sponsored Long-Term Care Insurance³

Paying for long-term care services without insurance can deplete hard-earned retirement savings. Help your clients protect their employees' life savings and improve their bottom line.

Small Businesses

MetLife provides benefit solutions—life, AD&D, dental, and disability—that are designed, priced, and administered to fit the specialized needs of small- and mid-size companies.

Welfare Benefit Funding

Address your clients' welfare benefit funding needs and manage their liabilities with the help of our post-retirement benefits team, which focuses on solutions for tax, accounting, actuarial, and benefits needs.

¹ MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify.

² To age 95. In some program designs, if the employer replaces the MetLife GUL/GVUL with group life insurance from another employer or otherwise terminates the MetLife GUL/GVUL group contract, employees' GUL/GVUL coverage may also be terminated, even after separation from employment or in retirement.

³ Long-Term Care insurance underwritten by Metropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166.

Like most group life insurance policies, MetLife group policies contain certain exclusions, reductions, limitations, and terms for keeping them in force. Please contact us for costs and complete details.

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.

The amounts allocated to the variable investment options of your account balance are subject to market fluctuations so that, when withdrawn or surrendered it may be worth more or less than its original value.

GUL is issued by Metropolitan Life Insurance Company, New York, NY 10166. Policy Form No. G2130_S /GPN99.

Optional Term Life, Dependent Life and AD&D coverage are provided under a group insurance policy (Policy Form GPNP99) issued to the group policyholder  by MetLife. 

Group Variable Universal Life insurance is issued by Metropolitan Life Insurance Company (MLIC), New York, NY 10166 and is distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA), Irvine, CA. 92614. Securities products offered through MetLife Securities, Inc. (MSI) (member FINRA/SIPC). MetLife’s standard certificate forms, available on or after 5/1/09 include: Certificate Forms G.24300(2003); G.24300A(2003); NY-G.24300-STOCK and G.24300A-STOCK. Coverage may also be provided on MetLife’s previous standard Policy Forms 30037(6/96); FL-3003709(5/2005); IN-3003713(6/96); MA-3003720(6/96); MD-3003719(6/96); MN-3003722(6/96); MS-3003723(5/2005); NE-3003726(6/96); NY-3003731(5/2005); OK-3003735(6/96); OR-3003736(5/2005); PA- 3003737(6/96); SC-3003739(6/96); SD-3003740(6/96); and TX-3003772(5/2005).

MLIC, MLIDC and MSI are MetLife companies.