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Beneficiary support
Losing a loved one is never easy – especially while living abroad. We offer tools and services to support your loved ones.
Dependent Life Insurance
This type of insurance provides additional coverage for your child or children, helping cover costs for funeral expenses and providing a financial safety net for unexpected expenses related to the death.
Dependent Life insurance provides:
Optional additional protection
Provides enhanced coverage amounts in addition to Basic and Supplemental Life insurance or Spouse Life insurance – paid for by you
Peace of mind
Can help cover costs for funeral expenses and providing a financial safety net for unexpected expenses related to the death
Coverage options to suit your needs
Standardly offered in flat increments, such as $2,000, $5,000 or $10,000 of coverage
Dependent Life Schedule of Benefits
Details on your Dependent Life benefit can be found in your Life Schedule of Benefits, which will list the benefit along with the benefit amount and highlights. Dependent Life amounts are listed in their own table called “Life Insurance on your insured dependents,” which also includes any Spouse Life amounts. This appears after the table on your Life insurance benefits. Dependent Life amount is typically a flat amount (for example, $10,000 or $2,000).
A sample Schedule of Benefits with Spouse and Dependent Life insurance is below. Please note that each company’s benefits may differ.
Note: Any amount of Life Insurance in excess of the Guaranteed Issue Amount is subject to Evidence of Insurability. Learn more about Evidence of Insurability.
Sample Schedule of Benefits with Spouse and Dependent Life insurance
| Benefit | Benefit amounts and highlights |
|---|---|
| On Your Spouse | Increments of $10,000 up to $100,000 maximum |
| Accelerated Benefit Option | None |
| On each of Your Children | Dependent Children from 14 days to 26 years:
|
| Accelerated Benefit Option | None |
| Guaranteed Issue Amount | Spouse - $50,000 Child - $10,000 |
| * Any amount of Life Insurance in excess of the Guaranteed Issue Amount is subject to Evidence of Insurability. | |
Calculating dependent life rates
Dependent Life is a flat rate calculated by the number of children multiplied by the rate per $1,000 in coverage. To calculate cost, multiply the cost per $1,000 by the number of units selected.
For example, to figure out the monthly cost for $5,000 in coverage, you would multiply the rate by 5 ($1,000 units).
Ask your employer what your rates are for Dependent Life coverage.
How to submit a Dependent Life insurance claim
If a covered child passes away, you will need to submit a claim to MetLife for payment.
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