Life Insurance Solutions

Secure Your Family’s Future

Let your legacy live on by ensuring your loved ones are taken care of, even when you’re not there to do it yourself.

Emotional devastation from death is so difficult. Invest in life insurance so your family is taken care of financially. MetLife is here for them.

Beneficiary Assistance

Resources to support you in your time of need.

Did You Know?

The average out-of-pocket cost for end-of-life and funeral expenses is over $20,0001

MetLife Advantages℠

Preparing for the Future


Transitioning Through Changes


Support Through Difficult Times


Thinking About the Future: Your Personal Financial Profile


Why MetLife


Life insurance is a cost-effective way to protect your family and finances. Should something unforeseen happen to you, it helps ensure that short and long-term financial obligations could be met. 

If you have a family (spouse/domestic partner and/or children), they may rely on your income to help keep the household running. Life insurance gives you confidence that your family would be financially prepared without you to handle expenses.

In the event of your passing, life insurance provides money directly to the individuals you select - your beneficiaries - who can use the money as they see fit, including:

  • Replacing lost income
  • Covering basic living expenses
  • Paying household debts, estate taxes, and funeral expenses
  • Funding a child’s education
  • Supplementing retirement savings 

Life insurance comes in two main types – term and permanent – which may both be available through your workplace.

Term life insurance pays a specific lump sum to your loved ones and provides coverage on your life for a specified period of time – usually from one to 20 years. If you stop paying premiums, the insurance coverage stops. Term policies pay benefits if you die during the period covered by the policy, but they do not build cash value. They may also give you the option to port. That is, you can take the coverage with you if you leave your company.specified period of time 

Generally, you should consider a term life insurance policy to:

  • Get valuable coverage at a cost-effective price
  • Help cover specific financial responsibilities like a mortgage or college expenses
  • Supplement a permanent policy

Permanent life insurance policies do not expire. They are intended to protect your loved ones permanently, as long as you pay your premiums. Some permanent life insurance policies accumulate cash value. That means, the value of the policy will grow each year, tax-deferred, until it matches the face value of the policy. The cash can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. This type of plan is typically portable so coverage can continue if employment terminates. 

Consider a permanent insurance policy if you want:

  • Protection for life
  • To put additional money into the policy on a tax-favored basis
  • Cash value you can use while you are living

Getting life insurance through work can be an easy way to protect your family. If your employer offers a group plan, consider signing up for advantages that may include:

  • Competitive group rates
  • Guaranteed issue, meaning you can get a certain amount of coverage without answering health questions or taking a medical exam
  • Convenient payroll deductions
  • Easy access to enrollment and educational tools that can help you make the right decisions about the type and amount of insurance that’s right for you

All you need to do is sign up through your employer, and sometimes enrollment is automatic.

Everyone is different, but it may be more than you have now. The insurance coverage you may need changes as your life changes — for example, getting married, starting a family or buying a home may change the type or amount of coverage you need. Many people are surprised to learn that they may not have enough life insurance to cover the many expenses their loved ones could face.

It’s simple to determine the amount of coverage you may need now. Just go to to calculate how much life insurance may be right for you.

It may be less expensive than you think. MetLife’s group life insurance plans are an economical way for you to provide for your family with competitive group rates and a wide range of coverage options to choose from. Exact rates can be found in the enrollment materials.


Contact your employer for more information.

Nothing in these materials is intended to be advice for a particular situation or individual. Like most group life insurance policies, MetLife group policies contain certain exclusions, reductions, limitations, and terms for keeping them in force. Please contact MetLife for costs and complete details. Group Term Life is issued by Metropolitan Life Insurance Company, New York, NY 10166. Policy Form GPNP99.MetLife Rapid Term Life insurance is issued by Metropolitan Tower Life Insurance Company, New York, NY 10166, policy form #8D-29-17.