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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.
Spouse Life Insurance
As you experience exciting life events, such as getting married or having children, you could require more protection. This type of insurance provides additional coverage for your spouse or domestic partner.
Spouse Life insurance provides:
Optional additional protection
Provides enhanced coverage amounts beyond your Basic or Supplemental Life insurance – paid for by you
Peace of mind
Can help ease the financial burden of loss of income from your spouse, such as grocery costs, utility bills, mortgage or rent payments, or childcare costs
Coverage options to suit your needs
Standardly offered in flat increments, such as $5,000 or $10,000 of coverage
Spouse Life Schedule of Benefits
Details on your Spouse Life benefit can be found in your Life Schedule of Benefits, which will list the benefit along with the benefit amount and highlights. Spouse Life amounts are listed in their own table called “Life Insurance on your insured dependents,” which appears after the table on your Life insurance benefits. Your Spouse Life amount is typically a flat amount (for example, $100,000).
A sample Schedule of Benefits with Spouse 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 Life insurance
| Benefit | Benefit amounts and highlights |
|---|---|
| On Your Spouse | Increments of $10,000 up to $100,000 maximum |
| Accelerated Benefit Option | None |
| Accelerated Benefit Option | $50,000 |
| * Any amount of Life Insurance in excess of the Guaranteed Issue Amount is subject to Evidence of Insurability. | |
Calculating spouse life rates
Spouse Life insurance monthly rates are usually per $1,000 of insurance. To calculate your cost, multiply the rate per $1,000 of coverage by the number of units selected.
For example, to figure out the monthly cost for $100,000 in coverage, you would multiply the rate by 100 ($1,000 units).
Ask your employer what your rates are for Spouse Life coverage.
How to submit a Spouse Life insurance claim
If a covered spouse passes away, you will need to submit a claim to MetLife for payment.
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