Frequently Asked Questions
They are competitively-priced ways to protect your family and finances in the event something happens to you. For many people, these coverages help ensure that if the unforeseen should happen, short and long term financial obligations could be met. If you have a spouse, domestic partner and/or children, they may rely on you to help keep the household running. It’s important to take steps to make sure your family would be financially prepared if you were no longer there to handle expenses like:
- Mortgage or rent payments
- Utilities
- Insurance Premiums
- Child care/education fees
- Transportation
- Credit card bills
Accidental death and dismemberment benefits (AD&D) can provide financial security should a sudden accident take your life or cause you serious loss or harm. This coverage complements your life insurance coverage and helps protect you 24 hours a day, 365 days a year.
While having some life insurance provided by your employer is a great benefit, chances are it may not be enough to adequately provide for your family now and years from now. Additional life insurance can give your family greater financial security.
Probably more than you have now. You should keep in mind that insurance needs change as your life changes — for example, getting married, starting a family or purchasing a home. Many people are surprised to learn that they don’t have enough life insurance to cover the many expenses their loved ones may face. We’ve made it very simple to determine the amount of coverage you need now: Go to www.metlifeiseasier.com and click on the easy-to-use life insurance calculator to find your answer in minutes.
It may be less expensive than you think. MetLife has designed these group life insurance plans to be an economical way for you to provide for your family. You’ll enjoy competitive group rates, with a wide range of coverage options to choose from. Exact rates can be found in the enrollment materials provided by your employer.
Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.
- Life and Accidental Death Claims on Yourself are paid to your designated beneficiary on file through a tax free death benefit.
- Life and Accidental Death Claims on eligible covered dependents are paid to you through a tax free death benefit.
This plan also includes access to services through MetLife AdvantagesSM that help you navigate what life may bring — at no additonal cost to you.
Funeral Discount & Planning Services1
Helps alleviate the burden of making funeral arrangements from your loved ones. Get access to the largest network of funeral homes and cemeteries to pre-plan
with a counselor and receive discounts on funeral services.
Will Preparation Services2
Offers in-person will preparation for you and your spouse/domestic partner at no additional cost when you use a Hyatt Legal Plans attorney.
Estate Resolution Services2
With this service, executors or adminstrators may receive in-person legal assistance with probating your and your spouse’s/domestic partner’s estates. Beneficiaries can also consult an attorney for general questions about the probate process.
Portability3
Provides an opportunity to continue your group term life insurance coverage with MetLife if your coverage terminates due to a qualifying event.
Grief Counseling4
Available with basic term life insurance, provides the insured and dependents in-person or telephone sessions with a grief counselor.
Funeral Assistance4
Work with compassionate counselors that assist you with customizing funeral arrangements to honor a loved one’s life with personalized one-on-one service.
Accelerated Benefit Option5
Provides early access to funds in the event of a terminal illness.