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Life Insurance

Compare Life Insurance Policies

Below is a sample of MetLife's insurance products— it's easy to find out more, get a life insurance quote, and for some products, quickly apply and buy online. Have questions? Contact a MetLife representative.


Sample monthly rates are based on a 30 year old female, best class available, except where noted. Rates are current as of May 2015 and are not guaranteed. For Level Term Life Insurance, Universal Life Insurance and Whole Life Insurance, coverage and rates are subject to underwriting.

1 Simplified Issue Term Life Insurance rates will increase every 5 years up to age 90 on the policy anniversary date after you reach an age ending in 1 or 6 (for example: 41, 46, 51). There is no medical exam for this product, just some health questions. Simplified Issue Term Life Policy is issued by MetLife Insurance Company USA, Charlotte, NC, 28277 (form # 5E-26-13), and in New York by Metropolitan Life Insurance Company, New York, NY 10166 (form # 1E-26-13-NY).

2 For a lower rate on term life insurance, contact a MetLife Premier Client Group representative. MetLife Term Life Insurance issued by MetLife Insurance Company USA, Charlotte, NC 28277 (except in NY), on policy form #5E-23-12, and by Metropolitan Life Insurance Company, New York, NY 10166 (NY only), on policy form #1E-23-12-NY. The 30 year term is not available in NY. Term length represents the level premium period. Significantly increased premiums are necessary to renew the policy after the end of the level premium period. Premiums will increase on an annual basis after the level premium period, and the policy is renewable up to age 95. Other rating classes and level premiums are available.

3 The MetLife Guaranteed Acceptance Whole Life Insurance policy provides for a limited graded death benefit during the first two policy years. This policy is not a funeral or burial contract; benefits can be paid to any beneficiary. The policy does not guarantee that its proceeds will be sufficient to pay for any particular services or merchandise at the time of need nor that services or merchandise shall be provided by any particular provider. Guaranteed Acceptance Whole Life Insurance (# 5E-13-13) is issued by MetLife Insurance Company USA, Charlotte NC 28277 (except NY) and in NY (# 1E-13-13-NY) by Metropolitan Life Insurance Company, New York, NY 10166.

4 Guaranteed Level Term is issued by MetLife Insurance Company USA, Charlotte, NC 28277, on Policy Form 5E-23-12 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-23-12-NY. The 30 year term is not available in NY. Term length for which coverage lasts represents the level premium period. Significantly increased premiums are necessary to renew the policy after the end of the level premium period. Premiums will increase on an annual basis after the level premium period. This policy is renewable to age 95. Other rating classes and level premiums are available.

5 Sample rate and coverage length for universal coverage refer to Provider Universal Life, issued by MetLife Insurance Company USA, Charlotte, NC 28277 on Policy Form 5E-36-12 in all jurisdictions except New York, where it is issued by Metropolitan Life Insurance Company, New York, NY 10606 on Policy Form 1E-36-12-NY. The Coverage Continuation Benefit (CCB) for MetLife Provider Universal Life guarantees that the policy will remain in force, as long as the required premiums are paid, until the end of the selected guarantee period, but no later than age 95. The CCB does not guarantee the policy's cash value. Potential for cash value from universal coverage refers to USA MetLife Secure Flex Universal Life, issued by MetLife Insurance Company USA on Policy Form 5E-38-14 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-38-14-NY and Legacy Advantage Survivorship Universal Life, issued by MetLife Insurance Company USA on Policy Form 5E-32-05 and in New York only by Metropolitan Life Insurance Company on Policy Form 1E-32-05. Minimum coverage amount will vary based on product and rating class. Accessing cash values will reduce the death benefit.

6 Sample rate and coverage length for whole life insurance refer to MetLife Promise Whole Life, issued by MetLife Insurance Company USA, Charlotte, NC 28277 on policy form 5E-12-10 and in New York only by Metropolitan Life Insurance Company on policy form 1-15-13-NY. Accessing cash values will reduce the death benefit. Minimum coverage amount will vary based on product and rating class.

Like most insurance policies, MetLife's policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete costs and details, call or see your MetLife representative. Product features and availability may vary by state.

Guarantees are subject to the insurer's claims-paying ability and financial strength of the issuing insurance company.

MetLife Premier Client Group is the distribution channel name for the offices of MLIC and can be reached at 1-877-MET-5323.

Life insurance rates and quotes from MetLife
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