Group Universal Life | MetLife

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Act now for this special life insurance opportunity.

Apply now with [no][only a few1] medical questions to answer [up to XX amount/times your salary] [insert special offer]. You also have the option to contribute to a savings feature where any interest on your dollars grow tax-deferred2. [By combining permanent and portable3 coverage that you can keep through job changes and into retirement, with a tax-deferred savings feature, GUL goes beyond life insurance protection and can be a part of a comprehensive financial plan.] [Start saving for your future today, while helping protect what matters most.]

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Enrollment time is limited. Get coverage for your family today!

[Act now to review and/or update your coverage][Apply now] [Apply now to increase your coverage] [of up to XX amount/times your salary][insert plan design]. You also have the option to contribute to a savings feature where any interest on your dollars grow tax-deferred.2 Group Universal Life insurance (GUL) is permanent and portable3, you can keep the benefit through job changes and into retirement. Start saving for your future today, while helping protect what matters most.

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Review and update your life insurance coverage.

[Your life insurance needs may change over time, it’s important to review your coverage annually to ensure you have the right amount of protection for those who depend on you.] [Consider increasing your coverage now and get] [Apply now to get] [of up to XX amount/times your salary][insert plan design]. You can also contribute to a savings feature where the interest grows tax-deferred2. [Group Universal Life insurance (GUL) is permanent and portable3, [you are [free/able] to take it with you if you retire or leave the company. Start saving for your future today, while helping protect what matters most.]

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Make the most of your [xyz paid] life insurance plan.

Your [XYZ Company Name/Association/Employer, Firm] [paid] plan4 gives you the opportunity to contribute to a savings feature where any interest grows tax-deferred2. Since Group Universal Life insurance (GUL) is permanent and portable3, it’s yours to take with you if you retire or leave the company/firm. [Start saving for your future today, while helping protect what matters most.] [By combining valuable life insurance protection with a tax-advantaged savings feature2, GUL is one policy with two benefits.]

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Make the most out of your [xyz company] GUL insurance Plan.

Group Universal Life (GUL) insurance is one policy with two benefits; you have the protection of life insurance and a tax-deferred savings option2. Learn more about the features of GUL and use the interactive tools to help you make an informed decision about your benefit. [As a new enrollee you have [90 days] to complete enrollment] [from date of hire/date of eligibility]. [Make sure to enroll during your initial enrollment period][to take advantage of[any guaranteed issue coverage that may be available].

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Overview

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

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Determining your coverage needs

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

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FAQs

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

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¹ 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.

² Earnings within your GUL coverage grow income tax free while the policy stays in force. Please consider your 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.

³To the maturity age specified in your certificate. In some program designs, if your employer replaces MetLife GUL with another group life insurance plan or otherwise terminates the MetLife group policy, your coverage may also be terminated, even after retirement or separation from employment. 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.

⁴ Employer provided premiums are taxable to the certificate holder.

Group Universal Life (GUL) is issued by Metropolitan Life Insurance Company, New York, NY 10166. MetLife's standard Certificate Forms include: Certificate Forms G.9704(2009); G.9704A(2009). Coverage may also be provided on MetLife's previous standard Policy Forms 30024 (1/95); DE-3002407 (2/2008); FL-3002409 (5/2005); IN-3002413 (1/95); KS-3002415 (1/95); LA-3002417 (2/2008); MN-3002422 (1/95); MS-3002423 (5/2005); NY-3002431 (5/2005); OK-3002435 (1/95); OR-3002436 (2/2008); PA-3002437 (1/95); SD-3002440 (1/95); and in TX-3002472 (5/2005).

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.