Find out how GUL can help you achieve your financial goals while protecting those who matter most to you.

Determining your coverage needs

Choose the level of coverage that makes sense for you and your family.


Lots of people have questions about life insurance. See the answers to the most frequently asked questions here.

1 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.

Earnings within your GUL coverage grow income tax-free while the policy stays in force. Please consider your investment time horizon, tax rates, and the effect of fees and expenses, including any premium expense charge, when evaluating the benefit of GUL tax deferral. See your Certificate for complete information. 

3 To the maturity age specified in your certificate. If you have ported or otherwise continued your coverage after retirement or separation from employment and the plan sponsor later terminates the group policy, cost of insurance rates may increase as a result of such termination.

Nothing in these materials is intended to be advice for any particular situation or individual. 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 may not give legal, tax or accounting advice and this document should not be construed as such. Like most insurance policies, MetLife GUL contains exclusions, limitations and terms for keeping it in force. MetLife can provide you with costs and complete details.

Group Universal Life (GUL) is issued by Metropolitan Life Insurance Company, New York, NY 10166. MetLife's standard Certificate Form 3002537 (1/95) As amended by form 3E5937 (5/2005).