Today MetLife announced the launch of MetLife Income GuardSM Disability Insurance, which is specifically designed to provide consumers with the ability to customize their coverage to meet specific needs. This more personalized level of protection includes features designed to meet the unique demands of a variety of specialized occupations, including most medical and dental professionals, pharmacists, attorneys, accountants and white collar executives.

"MetLife Income Guard provides agents with the ability to offer clients a customized approach when planning for individual disability insurance needs. To complement the base product, there are a number of riders available to meet specialized needs," says Kieran Mullins, vice president of Retail Life and Disability products for MetLife. "Disability insurance is something everyone should consider, and yet, a group disability insurance plan through the workplace may have numerous restrictions and only cover 40 to 60 percent of a person's wages. For many people, disability insurance through the workplace may not be enough, particularly if you work in certain specialized occupations."

"Disability insurance can be used to help pay bills such as a mortgage, tuition, car payments, and help cover expenses for food, clothing, and utilities. It also helps individuals avoid tapping into savings and jeopardizing the financial goals that they've established," adds Mullins. "MetLife Income Guard can play a critical role in ensuring income is protected."

In addition to some of the industry's highest coverage limits and competitive pricing, one advantage of MetLife Income Guard is that it offers enhanced protection for individuals who have spent many years learning and practicing a chosen medical or dental specialty. MetLife Income Guard offers Physicians and Dentists "Specialty your Occupation" coverage that addresses the consequences of not being able to perform the material and substantial duties of a chosen specialty at the time of claim (even if the professional is still able to work in a different occupation.) As an example, if a physician employed as a neurosurgeon were to become disabled and unable to perform the duties of his or her occupation at the time of claim, MetLife Income Guard could still provide that individual with the disability benefit, even if he or she eventually were able to start a successful new career.

For additional information about MetLife Income Guard individual disability insurance, visit

About MetLife
MetLife is a subsidiary of MetLife, Inc. (NYSE: MET), a leading global provider of insurance, annuities and employee benefit programs, serving 90 million customers in over 60 countries. Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia Pacific, Europe and the Middle East. For more information, please visit

Metropolitan Life Insurance Company, New York, NY 10166.

Like most insurance policies, MetLife insurance policies contain, exclusions, limitations, reductions of benefits and terms for keeping them in force.

These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50 percent, depending on the policy. This ratio is the portion of future premiums, which MetLife expects to return as benefits, when averaged over all people with the applicable policy.


Ted Mitchell