Life & AD&D

Life & AD&D Insurance pays your beneficiary in the event of your death.

It shouldn’t be expensive to protect your family’s future

You can get affordable life insurance coverage to protect those you care about most and the life you’re building for them today. For more information, contact MetLife at 1 800 GET-MET8 or click here and select Indianapolis Public School (IPS)

Life Insurance can help protect your family

Take control of your life insurance coverage so you’ll have the right protection in place for you and your family at all times.

Life & AD&D Insurance

You can easily protect your family’s future, today

You do all you can to build the best life for your loved ones. It’s why you work hard, save what you can and try your best to plan for the future. Now you can help ensure that future by providing your loved ones with the financial protection only life insurance offers. This way, you’ll know that the life you’re working hard to build for your family will still move forward, no matter what happens.

  • Provides your family with necessary financial protection
  • Pays a monetary benefit to your beneficiary in the event of your death
  • Money can be used for a wide variety of purposes: final expenses, income replacement, paying off mortgage and other debts, childcare/education costs, and other short- and long-term expenses

80% of people think life insurance is more expensive than it actually is.1

Life & AD&D FAQ's

They are competitively-priced ways to protect your family and finances in the event something happens to you. For many people, these coverages help ensure that if the unforeseen should happen, short and long term financial obligations could be met. If you have a spouse, domestic partner and/or children, they may rely on you to help keep the household running. It’s important to take steps to make sure your family would be financially prepared if you were no longer there to handle expenses like:

  • Mortgage or rent payments
  • Insurance premiums
  • Transportation
  • Utilities
  • Child care/education fees
  • Credit card bills


Accidental death and dismemberment benefits (AD&D) can provide financial security should a sudden accident take your life or cause you serious loss or harm. This coverage complements your life insurance coverage and helps protect you 24 hours a day, 365 days a year.

While having some life insurance provided by your employer is a great benefit, chances are it may not be enough to adequately provide for your family now and years from now. Additional life insurance can give your family greater financial security. 

Probably more than you have now. You should keep in mind that insurance needs change as your life changes — for example, getting married, starting a family or purchasing a home. Many people are surprised to learn that they don’t have enough life insurance to cover the many expenses their loved ones may face. We’ve made it very simple to determine the amount of coverage you need now: Go to and click on the easy-to-use life insurance calculator to find your answer in minutes.

It may be less expensive than you think. MetLife has designed these group life insurance plans to be an economical way for you to provide for your family. You’ll enjoy competitive group rates, with a wide range of coverage options to choose from. Exact rates can be found in the enrollment materials provided by your employer.

Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

Proceeds are paid to your beneficiary through a tax free death benefit.

This plan also includes access to services through MetLife AdvantagesSM that help you navigate what life may bring — at no additonal cost to you.

Funeral Discount & Planning Services1  Helps alleviate the burden of making funeral arrangements from your loved ones. Get access to the largest network of funeral homes and cemeteries to pre-plan with a counselor and receive discounts on funeral services.

Will Preparation Services2  Offers in-person will preparation for you and your spouse/domestic partner at no additional cost when you use a Hyatt Legal Plans attorney.

Estate Resolution Services2  With this service, executors or adminstrators may receive in-person legal assistance with probating your and your spouse’s/domestic partner’s estates. Beneficiaries can also consult an attorney for general questions about the probate process.

Portability3  Provides an opportunity to continue your group term life insurance coverage with MetLife if your coverage terminates due to a qualifying event.

Grief Counseling4  Available with basic term life insurance, provides the insured and dependents in-person or telephone sessions with a grief counselor. 

Accelerated Benefit Option5  Provides early access to funds in the event of a terminal illness.

Helpful Resources


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1. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. Not available in some states. SCI offers planning services, expert assistance, and bereavement travel services to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network of funeral providers have been pre-negotiated. Not available where prohibited by law. If the group policy is issued in an approved state, the discount is available for funeral services held in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For TN, the funeral services discount is available for “At Need” services only. Not approved in AK, FL, KY, MT, ND, NY and WA.

2. Will Preparation Services and Estate Resolution Services are offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, Will Preparation Services and Estate Resolution Services are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI. In some states, Will Preparation and Estate Resolution Services are subject to regulatory approval and are not currently available. These services are provided at no cost to those who purchase Supplemental Life Insurance only.

3. To take advantage of this benefit, coverage of at least $10,000 must be elected. Increases, decreases, minimum and maximum coverage amounts are subject to state availability. Please contact your plan administrator or refer to your certificate for specific details.

4. Grief Counseling services are provided through an agreement with LifeWorks. US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). For such issues, members should inquire with their human resources department about available company resources. This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred. 

5. The Accelerated Benefits Option is subject to state regulation and is intended to qualify for favorable federal income tax treatment, in which case the benefits will be excludable from your income and will not be subject to federal taxation. This information was written as a supplement to the marketing of life insurance products. Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you, your spouse or your family.