Group Term Life Insurance

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

Group Term 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. 

  • During this special enrollment period you can choose to get extra protection with simplified enrollment and reduced rates. 

If you are not currently enrolled you can:

  • Enroll in Group Term Life coverage of 1x your eligible pay, up to a maximum of $1,000,000, without answering health questions.
  • Apply for higher coverage amounts up to 5x your eligible pay***, by answering 5 simple health questions** or up to 9x your eligible pay***, by completing a full Statement of Health.

If you are currently enrolled you can:

  • Increase your Group Term Life coverage by 1x your eligible pay, up to the lesser of 5x your eligible pay or $1,000,000, without answering health questions.
  • Apply for higher coverage amounts up to 9x your eligible pay***, by answering 5 simple health questions.**

Life Insurance FAQs

1. Go to MetLife Group Benefits

2. Click on “My Accounts” and then “Life Insurance” (If you don’t see the Life Insurance section go to the FAQ below)

3. Next to “Group Life Insurance” click on the grey “I want to” box.

4. From the “I want to” drop-down menu select “Enroll/Modify Life Coverage”.

5. Under “Step 1” answer the question Do you currently reside in the United States? Yes or No.

6. Confirm that your spouse/domestic partner and child/ren details are accurate if you plan to update or enroll them in coverage.

7. Click “Next”

8. On the following page select the coverage you want for each benefit. Note that you can enroll in Optional Life or GVUL but not both.

Hover over the “My Accounts” navigation button and select “Life Insurance” from the list that pops up. Go back to step 3 above.

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.

During this special two week enrollment period you have the opportunity to apply for coverage with less medical questions than are typically required.

Any changes you make to Term Life will be effective on 11/1/2021. If you choose to switch your coverage form Term life to GVUL your changes may take effect later.

Yes, you may switch your current level of coverage from Term to GVUL or increase your coverage by 1x your eligible pay, up to the lesser of 5x your eligible pay or $1,000,000, without answering health questions. Please email Include the following details in the email; full name, employee ID, confirmation you are looking to switch your current Group Term coverage to GVUL. An Enrollment Booklet will be emailed within 1-2 days which will allow you to change your coverage. You will have until October 15th to return your completed application to MetLife.

If you want to switch from Term Life to GVUL and increase your coverage by 2x-9x your eligible pay2, by answering 5 simple health questions1 you can enroll on MetLife Group Benefits, Once you get to the site click on the Enroll/Modify Life Coverage link on the left-hand side of the page.

Yes, your spouse/domestic partner may apply for $10,000, $25,000, $50,000, $100,000, $150,000, $200,000 of Term Life coverage. Your spouse will need to answer medical questions.

Term life or your dependent child is $5,000 or $10,000 and Medical questions are required.

Everyone is different, but you probably 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 the life online calculator to calculate how much life insurance might be right for you.

It may be less expensive than you think. The rates for the MetLife employees have been reduced for employees under age 70 for the Optional Life plan. 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 on the enrollment site

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
How much Life insurance should you have?

Find out with our life insurance calculator

*The maximum death benefit payable for a MetLife Employee is $25,000,000, which includes Company Paid Group Term Life Insurance, employee-paid coverage (Optional Group Term Life or GVUL) and VAD&D coverage.

**All applications for coverage are subject to review and approval by MetLife. If you choose to apply for increased coverage, the increase may be subject to underwriting. MetLife will review your information and evaluate your request for coverage based upon your answers to the health questions, MetLife’s underwriting rules and other information you authorize us to review. In certain cases, MetLife may request additional information to evaluate your request for coverage.

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.

Company paid life insurance, group term life, dependent life and voluntary accidental death & dismemberment coverage (VAD&D) are Company-sponsored ERISA plan benefits while GVUL is a product issued by Metropolitan Life Insurance Company as insurer and is not a Company-sponsored employee benefit subject to ERISA. Company paid life insurance, group term life, dependent life and VAD&D coverage are Company-sponsored plan benefits