Like most disability income insurance policies, MetLife's policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about costs and complete details.
All policies and riders may not be available in all states, at all issue ages and to all occupational classes. Ask your representative for complete details. Eligibility is subject to underwriting approval.
For policies issued in New York: These policies provide disability insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.
The information contained in this document is not intended to (and cannot) be used by anyone to avoid IRS penalties. This document supports the promotion and marketing of insurance or other financial products and services. Clients should seek advice based on their particular circumstances from an independent tax advisor since any discussion of taxes is for general informational purposes only and does not purport to be complete or cover every situation.
MetLife, its agents and representatives do not provide tax and/or legal advice. Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. You should confer with your own legal, tax and accounting advisors as appropriate.
Disability insurance is issued by Metropolitan Life Insurance Company on IDI2000-P/C-ML, IDI2000-P/GR, AH7-96-CA and AH8-96-CA. January 2020.
Metropolitan Life Insurance Company 200 Park Avenue, New York, NY 10166
1 Fortune 500® data reflects 2020 business which includes Metlife Auto & Home®, now acquired by The Farmers Insurance Group®.