• MetLife Advantages

MetLife AdvantagesSM

Helping navigate life’s twists and turns

Support, Planning and Protection When You Need It Most

Life is full of surprises. You prepare for them as best as possible and the life insurance you have through the workplace is valuable protection — but your MetLife Retiree Life Insurance coverage does even more than provide loved ones with security when the unexpected occurs. MetLife AdvantagesSM is a comprehensive suite of valuable services available with your coverage designed to help you, and those you love, deal with everyday challenges so you can live better now and in the future.

Support

Comfort and Guidance for Challenging Times

  • Delivering the Promise1 provides your beneficiaries with one-on-one assistance from local resources when they need it most, including help with filing claims and government benefits, locating support resources, and identifying any other important issues associated with the loss of a loved one.
  • Total Control Account2 helps your beneficiaries manage life insurance proceeds through a life settlement option that provides easy and immediate access to funds. 1-800-638-7283.

Planning

Professional and In-person Resources When It Matters

  • Will Preparation Services3 is offered with Supplemental Life and provides access to an attorney to help you or your spouse/state-registered domestic partner create a will or living will, modify an existing will and create a power of attorney document. In addition, you may access an attorney as many times as you need to make updates to these documents. Reimbursement is also available for out-of-network attorneys with set fees. 1-800-454-3679.
  • Estate Resolution Services3 is offered with Supplemental Life and provides your beneficiaries and executors/administrators access to face-to-face legal representation for probating your and your spouse’s/state-registered domestic partner's estates. Probate services include preparation of documents and representation at court proceedings needed to transfer the probate assets from the estate to the heirs, and completion of correspondence necessary to transfer non-probate assets. 1-800-454-3679.

Protection

Continuing Workplace Coverage

  • Transition Solutions4 offers insurance and other financial products and services to help you and your family better prepare for your future in response to benefit changing events.

RESOURCES CENTER

Questions?

Please call MetLife directly at 866-548-7139 to talk with a benefits consultant. You can also view our FAQ flyer for more information.

Retiree FAQ Flyer

1 MetLife administers the Delivering the Promise program and has arranged to have specially trained third party financial professionals offer financial education. The financial professionals providing financial education are not affiliated with MetLife but are providing the program under a service provider contract.

2 Subject to state law, and/or group policyholder direction, the Total Control Account is provided for all Life and AD&D benefits of $5,000 or more. The assets backing the Total Control Account (TCA) are maintained in the general account of MetLife or the Issuing Insurance Company. These general accounts are subject to the creditors of MetLife or the respective Issuing Insurance Company. MetLife or the Issuing Insurance Company bears the investment experience of such assets and expects to earn income sufficient to pay interest to TCA Accountholders and to make a profit on the operation of the TCAs. Regardless of the investment experience of such assets, the effective annual rate on the Account will not be less than the rate guaranteed on the welcome guide. The TCA and other available settlement options are not bank products and are not insured by the FDIC or any other governmental agency. In addition, while the funds in your account are not insured by the FDIC, they are guaranteed by each state’s insurance guarantee association. The coverage limits vary by state. Please contact the National Organization of Life and Health Insurance Guaranty Associations (www.NOLHGA.com or 703-481-5206) to learn more. FOR FURTHER INFORMATION, PLEASE CONTACT YOUR STATE DEPARTMENT OF INSURANCE.

3 Included with Supplemental Life Insurance. Will Preparation and Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan General Insurance Company, Warwick, Rhode Island. For New York sitused or principally located cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service.

Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/ or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.

4 MetLife administers the Transition Solutions program and has arranged to have specially trained third party financial professionals offer financial education. The financial professionals providing financial education are not affiliated with MetLife but are providing the program under a service provider contract.

Nothing in these materials is intended to be advice for a particular situation or individual. Please consult with your own advisors for such advice. Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or MetLife for costs and complete details.

MetLife Group Term Life insurance is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 under Policy Form GPN99/G2130-S