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Life Insurance

About Life Insurance

You can get peace of mind, knowing you've helped protect your loved ones.

Life insurance can help provide for the people who depend on you financially, if you can't be there for them. The money can be used for final expenses, help to replace your lost income, cover debts, pay your mortgage, fund a child's education, and more.

Compare MetLife Life Insurance Policies1

Below is a sample of MetLife's insurance products. For more information, contact a Metlife representative.

What is it?
Lower coverage amounts, simple application process and same-day approval
Affordable protection for a specific number of years at a set price
Simple application process and no medical questions, for ages 45-75
Products offer premium flexibility and either a guaranteed death benefit or cash value accumulation
Guaranteed death benefit, level premiums and cash value offer long-term financial protection and stability
Coverage lasts
Up to age 90
10 to 30 years
Your lifetime
Up to age 95
Your lifetime
Builds cash value?
Yes, but nominally
Some products
Medical exam required?
Coverage amounts available
no maximum
no maximum
Sample rate*
for $10,000 of coverage
for $250,000 of coverage
(10 year term)
for $10,000 of coverage
(45 year old female)
for $100,000 of coverage
for $100,000 of coverage

*Sample monthly rates are based on a 30 year old female, best class available, except where noted.

1 Additional life insurance products with different rates and benefits are available through a MetLife agent.
Have a representative contact you.

2 Rates based on current age, gender and face amount. Rates for this product increase on birthdays when your age ends in a 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).

3 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. Significantly increased premiums are necessary to renew the policy after the end of the level period. Premiums will increase on an annual basis after the level period, and the policy is renewable up to age 95. For a lower rate on term life insurance, contact a MetLife Premier Client Group representative.

4 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. Final Expense 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.

5 Sample rate and coverage length for universal coverage refer to Provider Universal Life, issued on Policy Form 5E-36-12 in all jurisdictions except New York, where it is issued 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 SF/LASUL MetLife Secure Flex Universal Life, issued by MetLife Investors USA Insurance Company 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.

6 MetLife Promise Whole Life is issued by MetLife Insurance Company USA on policy form 5E-12-10 and in New York only by Metropolitan Life Insurance Company on policy form 1-15-13-NY.

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, 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.

Life insurance rates and quotes from MetLife

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