Executive Life & Disability Benefits

Executive Benefits

Provide additional coverage options to help you reward and retain highly compensated employees.

MetLife understands employees have different financial goals and some may want to supplement their coverage above and beyond the standard benefit options. We deliver comprehensive benefit solutions for highly compensated employees.

Our Products

GVUL/GUL Insurance

GVUL/GUL is life insurance protection with various tax advantaged and investment opportunities.1

Disability Income Gap Insurance

Disability insurance solutions built specifically for higher-income employees to help ensure more protection.

Group Variable Universal Life Insurance (GVUL)/Group Universal Life (GUL) insurance can help your employees save more for their future while still allowing them access to their funds today.


Disability Income Gap Insurance (DIGI) includes hard-earned incentives and bonuses that often fall through the financial gap between total compensation and the portion of income covered by traditional disability insurance.

What percentage of Executives are concerned with having financial security for their families?2


Whatever combination of benefits meets your objectives, MetLife will coordinate the implementation, enrollment and service to help ensure ease and convenience for you and your employees.

Employee Benefit Trends Study

See how benefits can drive tangible results in the workplace.

1 Earnings within GVUL/GUL coverage grow income tax-free while the policy stays in force. Money allocated to GVUL's variable investment portfolios is subject to market risk, and when redeemed may be worth more or less than the original investment.  Employees should consider their investment time horizon, tax rates, and the effect of fees and expenses, including any premium expense charge, when evaluating the benefit of GVUL or GUL tax deferral.  See the GVUL/GUL Certificate (and GVUL Prospectus) for complete information.

2 Data from MetLife’s 19th Annual US Employee Benefit Trends Study 2021

Nothing in these materials is intended to be advice for any particular situation or individual. Like most disability income policies, MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force, while MetLife GVUL/GUL contains exclusions, limitations, reduction of benefits, surrender charges and terms for keeping it in force. MetLife can provide you with costs and complete details.

Prospectuses for Group Variable Universal Life insurance and its underlying portfolios can be obtained by calling (800) 756-0124. You should carefully read and consider the information in the prospectuses regarding the contract’s features, risks, charges and expenses, as well as the investment objectives, risks, policies and other information regarding the underlying portfolios prior to making any purchase or investment decisions. Product availability and features may vary by state. All product guarantees are subject to the financial strength and claims-paying ability of Metropolitan Life Insurance Company.

Group Variable Universal Life insurance has limitations. There is no guarantee that any of the variable options in this product will meet its stated goals or objectives. Cash value allocated to the variable investment options is subject to market fluctuations so that, when withdrawn or surrendered, it may be worth more or less than the amount of premiums paid.

Group Variable Universal Life insurance (GVUL) is issued by Metropolitan Life Insurance Company (MLIC), New York, NY 10166, and distributed by MetLife Investors Distribution Company (MLIDC) (member FINRA). MLIC and MLIDC are MetLife companies. MetLife’s standard Certificate Forms, available on or after 5/1/09 include: Certificate Forms G.24300(2003); G.24300A(2003); NY-G.24300-STOCK and G.24300A-STOCK. Coverage may also be provided on MetLife’s previous standard Policy Forms 30037(6/96); FL:3003709(5/2005); IN: 3003713(6/96); MA: 3003720(6/96); MD: 3003719(6/96); MN: 3003722(6/96); MS: 3003723(5/2005); NE: 3003726(6/96); NY: 3003731(5/2005); OK:3003735(6/96); OR: 3003736(5/2005); PA: 3003737(6/96); SC: 3003739(6/96); SD: 3003740(6/96); and in TX: 3003772(5/2005).

Group Universal Life (GUL) is issued by Metropolitan Life Insurance Company, New York, NY 10166. MetLife’s standard Certificate Forms include: Certificate Forms G.9704(2009); G.9704A(2009). Coverage may also be provided on MetLife’s previous standard Policy Forms 30024 (1/95); DE-3002407 (2/2008); FL-3002409 (5/2005); IN-3002413(1/95); KS-3002415 (1/95); LA-3002417 (2/2008); MN-3002422 (1/95); MS-3002423 (5/2005); NY-3002431 (5/2005); OK-3002435 (1/95); OR-3002436 (2/2008); PA-3002437 (1/95);SD-3002440 (1/95); and in TX-3002472 (5/2005).