Life Insurance

Life insurance pays your beneficiary in the event of your death.

Life has changed, the need to protect your family hasn't

You can get affordable life insurance coverage to protect those you care about most and the life you’re building for them today. New hires and employees experiencing a qualifying life event have 60 days to enroll.

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What is life insurance?

You can easily protect your family’s future, today

We've all experienced how important it is to protect the health and safety of loved ones. It's why you work hard, continue to save what you can and try your best to plan for what's next. Looking after those you care for should not be a financial burden. 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

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Optional Life

The Optional Life Insurance coverage is a voluntary benefit in which you pay the entire premium. More details are available in the Plan Summary.

Optional Life coverage is available in $10,000 increments up to the lessor of 6x salary or $750,000.

Premiums shown below are the monthly rate per $1,000 of coverage for employees. Your Optional Life coverage cost is based on the amount of coverage you elect and your age as of April 1, 2021. These rates are guaranteed until April 1, 2022.

Dependent Spouse Life Insurance

The Dependent Spouse Life Insurance coverage is a voluntary benefit in which you pay the entire premium. More details are available in the Plan Summary.

Dependent Spouse Life coverage is available in $10,000 increments up to $150,000 or 100% of your Optional Life amount, whichever is less. 

Premiums shown below are the monthly rate per $1,000 of coverage for spouses. Your Dependent Spouse Life coverage cost is based on the amount of coverage you elect and your age as of April 1, 2021. These rates are guaranteed until April 1, 2022.

Dependent Child Life Insurance

The Dependent Child Life Insurance coverage is a voluntary benefit in which you pay the entire premium. More details are available in the Plan Summary.

Dependent Child Life coverage is available for $5,000 or $10,000. Child(ren) are eligible from live birth to age 26. A child can be covered by only one parent.

Premiums shown below are the monthly rate of coverage for child(ren). One monthly premium covers all eligible children. Your Dependent Child Life coverage cost is based on the amount of coverage you elect as of April 1, 2021. These rates are guaranteed until April 1, 2022.

MetLife Advantages

Services to help navigate what life may bring, at no additional cost to you!

MetLife Advantages is a comprehensive suite of services to help guide you through life's opportunities, transitions and challenges. Certain services offered with this value-added workplace benefit may be based on your USM’s benefit plan offering.

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Life Insurance FAQs

Everyone is different, but you probably need more than you have now. The insurance you need changes as your life changes — for example, getting married, starting a family or buying a home might change the coverage you need. Many people are surprised to learn that they don’t have enough life insurance to cover the many expenses their loved ones may face.

It’s simple to determine the amount of coverage you need now:

Go to www.lifeonlinecalculator.com to calculate how much life insurance may be right for you.

It may be less expensive than you think. MetLife’s group life insurance plans are an economical way for you to provide for your family with competitive group rates and a wide range of coverage options to choose from. Exact rates can be found in the Plan Summary.

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

  • You get competitive group rates and a wide range of coverage options to choose from.
  • Proceeds are generally income tax free and can be paid to your beneficiary in a lump-sum payment. 
  • You will have the convenience of having premiums automatically deducted from your paycheck

With portability, you can take your life insurance benefits with you without a gap in coverage. You can continue your Group Life insurance coverage with MetLife should you leave your employer for any reason. Competitive rates apply but will likely be higher than your current rates. MetLife will bill you directly.2

How much life insurance should you have?

Find out with our Life Insurance Calculator.

Calculator

More than ever, it's time to protect what matters most

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

1 LIMRA - http://www.limra.com/uploadedFiles/limra.com/LIMRA_Root/Posts/PR/LIAM/PDF/Infographic_TrueCost.pdf

2 To the maturity age specified in the certificate.

Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or your MetLife Group Representative for costs and complete details.