Life Insurance

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

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 valuable 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


New Hires are eligible to enroll 90 days from the date you become eligible for benefits. If you’re enrolling after the initial 90-day enrollment period, you must complete an additional Supplemental Enrollment Form, for all amounts you are requesting.

You must apply for coverage in order to apply for spouse/registered domestic partner/dependent child(ren) coverage.

What other benefits are included in the plan?

Your Life benefits include additional benefits such as:

  • Grief Counseling – provides you and your family up to five face-to-face or telephone sessions with a licensed grief counselor to help cope with a loss or major event.
  • Will Preparation Services – Offers in-person and phone access to a network of plan attorneys to prepare or update a will or power of attorney.
  • Estate Resolution Services – Access to egal representation with a MetLife Legal plan attorney both in-person and by phone to help your beneficiaries settle your estate.
  • Accelerated Benefit Options – In case of terminal illness, you can get early access to a portion of your life insurance proceeds
  • Portability – Provides an opportunity to continue your group term life insurance coverage with MetLife at competitive rates if you retiree or leave the company.

Life Insurance FAQs

While having life insurance provided by your employer is a great benefit, it’s possible that it may not be enough to adequately provide for your family. Additional life insurance can give your family greater financial security if you are no longer here to earn a paycheck.

Everyone is different, but you may 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 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 enrollment materials provided by your employer.

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 directly2

Life Insurance Calculator

How much life insurance do you need? Find out now.

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.


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.