Frequently asked questions

While having some life insurance provided by your employer is a great benefit, chances are it may not be enough to adequately provide for your family. Additional life insurance can give your family greater financial security.

You probably need more than you have now. You should keep in mind that insurance needs change as your life changes. For example, getting married, starting a family or purchasing a home can impact your needs. Many people are surprised to learn that they don’t have enough life insurance to cover the expenses their loved ones may face. We’ve made it very simple to determine the amount of coverage you need now. Use MetLife’s Life Insurance Calculator to find your answer in minutes.

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

You must be Actively at Work on the date your coverage becomes effective. If Actively at Work requirements are met, coverage will become effective on January 1 or the first of the month following the receipt of your completed application.

A claim needs to be filed with the life insurance company upon the death of the insured. A tax-free death benefit is paid in a single lump-sum to your chosen beneficiary or beneficiaries.

You have access to services through MetLife Advantages^SM that help you navigate what life may bring — at no additional cost to you. More information can be found in the MetLife Advantages^SM tab.

You can select any beneficiary(ies) other than your employer for your Basic and Optional coverages, and you may change your beneficiary(ies) at any time.  You can also designate more than one beneficiary.