How we help
Beneficiary support
Losing a loved one is never easy – especially while living abroad. We offer tools and services to support your loved ones
Supplemental Spouse Life insurance
Supplemental Spouse Life insurance increases your coverage amount for your spouse or domestic partner, helping cover household expenses, childcare, or mortgage payments – and reducing financial strain during a difficult time.
Value of Supplemental Spouse Life insurance
Optional additional protection
Provides enhanced coverage amounts beyond your Spouse 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
Check the coverage amounts in your Schedule of Benefits to see if you can elect increments of coverage or if your coverage is a flat amount (such as $10,000 or $25,000)
Schedule of Benefits
Details on your Supplemental Spouse Life benefit can be found in your Life Schedule of Benefits, which will list the benefit along with the benefit amount and highlights. Supplemental 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
A sample Schedule of Benefits with Supplemental 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 Supplemental Spouse Life insurance
| Benefit | Benefit amounts and highlights |
|---|---|
| On Your Spouse | Basic: $50,000 Supplemental: Increments of $10,000 up to 100% of the Employee enrolled in Supplemental Life, up to a combined maximum of $250,000 maximum |
| Accelerated Benefit Option | None |
| Guaranteed Issue Amount | $50,000 |
| * Any amount of Life Insurance in excess of the Guaranteed Issue Amount is subject to Evidence of Insurability. | |
The rate for this type of insurance is based on your spouse’s age. To calculate cost, multiply the cost per $1,000 by the number of units selected.
For example, to figure out the monthly cost for $50,000 in coverage, you would multiply the rate based on your spouse’s age by 50 ($1,000 units).
Ask your employer what your rates are for any supplemental coverages MetLife offers.
How to submit a Supplemental Spouse Life insurance claim
Supplemental Spouse Life claims will be paid automatically with a Spouse Life claim, so there are no additional steps required to submit the Supplemental Spouse Life claim.
How we help