Life Insurance

One year renewable group term life insurance that provides a scheduled benefit or multiple of earnings amount to an employee’s beneficiary in the event of the employee's death.

Offers employees the opportunity to buy flexible amounts of life insurance at group rates. This option allows each individual to meet his/her need for additional amounts of insurance at little or no cost to the employer.

As an enhancement to our Basic Term Life plan, we offer Dependent Life insurance for employees who wish to purchase term life insurance for their spouses and/or children at group rates.

Provides 24-hour-a-day, 365-day-a-year coverage for your employees in the event of severe injuries, paralysis or death resulting from accidents on or off the job.

• Portability⁴: We offer a Portability option on Group Term Supplemental Life coverage, so employees can take their coverage with them if they leave your company.
• Accelerated Benefits Option (ABO)⁵: The Accelerated Benefits Option permits terminally ill insureds to receive a portion of their life insurance in advance to minimize the financial burden of medical and other expenses — up to 80% of the total insured amount.
• Waiver of Premium: Disabled employees may qualify to have their life insurance premiums waived while they are unable to work.
• Will Preparation⁶: Participants and spouses can receive Will Preparation services through Hyatt Legal Plans’ nationwide network of more than 11,000 participating attorneys.
• Employee Assistance Programs (EAP)⁷: Employees and their immediate families may receive confidential, professional counseling for behavioral, health and life issues.
• MetLife Center for Special Needs Planning⁸: A program that provides a variety of planning services to families with special-needs children and dependents.
• Travel Assistance⁹: Travel Assistance offers employees and their families access to emergency services while traveling domestically or internationally. Services include: 
  - Toll-free 800#, where service providers are available 24 hours a day, 365 days a year. 
  - Emergency services, including medical assistance, hospital admission coordination and critical evacuation. 
  - Non-emergency services, such as help with visa and/or passport requirements, financial assistance and locating lost luggage.
• Identity Theft Solutions⁹: Identity Theft Solutions educates employees on preventing an identity theft occurrence. In addition, it provides personal assistance and guidance to help alleviate the stress and time burden that victims often face. Employees are provided with: 
  - Education, including the Identity Theft Risk & Prevention tool kit and resolution guide. 
  - Personal Guidance, including advice for filing and obtaining police and credit reports, contacting creditor fraud departments and taking inventory of lost or stolen items. 
  - Toll-free 800#, where service providers are available 24 hours a day, 365 days a year.

We provide not only the claims service that beneficiaries need and expect in their time of need, but we have also created programs to support them in making important financial and personal decisions.

• The Total Control Account^® (TCA): A life settlement option that helps beneficiaries manage life insurance proceeds and provides easy access to their funds.¹⁰
• Delivering the Promise^®: Professional and caring services for beneficiaries who have financial questions and personal needs for assistance and information.
• MetLife Estate Resolution Services^SM2: Allows the executor of the estate access to personal legal advice and consultation when settling the insured’s will and estate.
• MetLife’s Funeral Planning Guide: Provides employees with a resource to help them document their final wishes and important financial information. It also provides valuable information including: how to plan for funeral costs, the death claim process, personal funeral preferences and more.
  Download the Funeral Planning Guide