Skip directly to content

Term Life Insurance

Term Life Insurance from MetLife
Average Customer Review
Reviews
Read all

What Is Term Life Insurance?

Term life insurance is often the most affordable coverage because it offers protection for a specific number of years. You may want to purchase a term life insurance policy to:

  • Get valuable coverage at an affordable price 
  • Help cover specific financial responsibilities like a mortgage or college expenses
  • Supplement a permanent policy or work policy

Simplified Issue Term Life Insurance
For coverage amounts below $100,000, we offer simplified issue term life insurance, with no medical exam and same-day approval. You can buy this coverage online or by phone today.

Level Term Life Insurance
For coverage amounts $100,000+, we offer term life insurance policies with premiums guaranteed not to increase for the length of the level premium period you choose.* A MetLife Premier Client Group representative can provide more information about the coverage they offer and how it can be a part of your financial plan. Or, you can apply online or by phone for level term life insurance.

One Year Term Life Insurance
Our financial services representatives also offer one year non-renewable term life insurance for a short-term solution. Clients looking for coverage beyond a year may be able to add the Convertible and Renewable Options Rider which extends coverage to five years with increasing premiums and allows conversion to a permanent policy after the first year. Speak with a MetLife Premier Client Group representative to learn more. For information regarding premium rates, click here

formTop
 
State  
Date of Birth
 
 
 
Gender   Coverage Amt Life Insurance Calculator
 
 
formBottom
 
Phone Number
 

* Significantly increased premiums are necessary to renew the policy after the level premium period. Premiums will increase on an annual basis after the level period, and the policy is renewable up to age 95.

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. All product guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.

All product guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company

Guaranteed Level Term is issued by MetLife Insurance Company USA on policy form #5E-23-12(except in NY) and by Metropolitan Life Insurance Company on policy form #1E-23-12-NY(NY only).

MetLife Term Life Insurance is issued by MetLife Insurance Company USA, Charlotte, NC 28277 on policy form #5E-23-12 (except in NY) and by Metropolitan Life Insurance Company, New York, NY 10166, - on policy form #1E-23-12-NY (NY only). For a lower rate on term life insurance, contact a MetLife Premier Client Group representative.

Simplified Issue Term Life Policy is issued by MetLife Insurance Company USA, Charlotte, NC 28277 on policy form # 5E-26-13 (except in NY), and by Metropolitan Life Insurance Company, New York, NY 10166 on policy form # 1E-26-13-NY (NY only).

Met of CT YRT3 is issued by MetLife Insurance Company USA, Charlotte, NC 28277. GenAm One-Year Term is issued by General American Life Insurance Company, St. Louis, MO 63128. NEF YRT4 is issued by New England Life Insurance Company, Boston, MA 02111. MLIC One-Year Level Term Life is issued by Metropolitan Life Insurance Company, New York, NY 10166. MetLife One Year Term is issued by MetLife Insurance Company USA , Charlotte NC 28277 (except in NY) and by Metropolitan Life Insurance Company, New York, NY 10166 (NY only). All are MetLife companies.

How Much Do I Need?

Use our Life Insurance Calculator to find out.
Start the tool
Calculator Icon

Have Life Insurance Questions?

Read our answers to commonly asked life insurance questions.
All fields are required
By clicking Submit, you agree that we* may contact you at the number you've provided, possibly using an autodialer and/or including a prerecorded or artificial voice, for telemarketing or other reasons. You don't need to give this permission to get a quote or make a purchase; instead, you can call us directly at 1-877-235-1137.
*A MetLife company or a third party acting on MetLife's behalf

MetLife respects your privacy

Find a MetLife office near you.