Term Life Insurance
Offer your employees a fundamental part of their overall benefits program with basic, supplemental, and dependent term life insurance products to protect themselves and those they love.
Permanent Life Insurance1
Some employees may need a different type of protection to support their insurance and estate tax-planning needs. Permanent Life insurance can help provide the right solution for highly compensated employees and the broader based population.
Accidental Death & Dismemberment
MetLife offers a variety of AD&D products—basic, supplemental, dependent and voluntary—that provide valuable insurance protection, as well as "benefits" that your employees can take advantage of today.
In addition, MetLife offers MetLife AdvantagesSM, a comprehensive suite of services available with your Life insurance benefits offering such as Will Preparation2, MetLife Estate Resolution ServicesSM3, Travel Assistance with Identity Theft Solutions4 and Concierge services. For more information and our complete listing of services, please visit Additional Benefits.
Like most group life insurance policies, MetLife group policies contain certain exclusions, limitations, and reductions of benefits and terms for keeping them in force. Please contact us for costs and complete details.
1 To the maturity age specified in the certificate. In some program designs, if the employer replaces MetLife permanent group life insurance with another group life insurance plan or otherwise terminates the MetLife group contract, employees' coverage may also be terminated, even after separation from employment or retirement.
2 Will Preparation Services are offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. For New York sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation.
3 Estate Resolution Services are offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, Estate Resolution Services are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.
4 Travel Assistance and Identity Theft Solutions services are administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by the United States Fire Insurance Company, a member of the Crum & Forster group of insurers. AXA Assistance and the Crum & Forster group are not affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife.
Group Term Life is issued by Metropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166. Policy Form GPNP99.
Optional Term Life, Dependent Life and AD&D coverage are provided under a group insurance policy (Policy Form GPNP99) issued to the group policyholder by MetLife.