Contact MetLife: All fields are required

By clicking Submit, you agree that we* may contact you at the number you've provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don't want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433

*A MetLife company or third party acting on MetLife's behalf.

Thank you for contacting us.
Someone from MetLife will be reaching shortly to provide you help.
Error!
An error occured while submitting your information.

CALL: 1-800-METLIFE

Term Life Insurance

Available through the workplace, MetLife Term Life Insurance is a cost effective way to help provide financial protection for your family with coverage for a selected period of time.

Common types of term life insurance that may be available through your workplace include:

Basic Term Life: Generally an employer-paid coverage offered for a set period of time that provides your beneficiaries with essential financial protection.

Supplemental Term Life: An employee-paid benefit allowing you to purchase additional protection as your needs change over time. Dependent, spouse or domestic partner coverage may also be available. 1

Dependent Term Life: Provides coverage for your spouse, civil union partner or domestic partner and eligible children.

For complete plan details, talk to your company’s benefits administrator.

I want to learn more about life insurance.
What is life insurance and why do I need it?

A death in the family is not only emotionally devastating, it can also take a tremendous toll on the future financial security of a family. Suddenly, without the deceased’s income, paying the mortgage or providing for a child's college education may become much more difficult.

Those who buy life insurance generally do so to help ensure their loved ones are taken care of financially.  Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase.

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
What kinds of life insurance can I get at work?

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, providing coverage for a specified period of time – usually from one to 20 years. If you stop paying premiums, the insurance 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.

Generally, you should consider 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


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 may 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 policy is typically portable so coverage can continue if employment terminates.

Consider a permanent insurance policy if you want:

  • Protection for life
  • Payments that stay the same each year
  • To put additional money into the policy on a tax-favored basis
  • Cash value you can use while you are living
What are the advantages of purchasing life insurance through work?

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 decisions about the type and amount of insurance that’s right for you
  • The confidence of knowing that your employer has reviewed and selected the plan


All you have to do is sign up, and sometimes enrollment is automatic.

What are the benefits of term life insurance?

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses.

How much life insurance do I need?

While you won’t be able to pinpoint the amount you’ll need to the penny, you can make a sound estimate.  Your goal should be to develop a life insurance plan that, following your death, will allow your family to live comfortably without your economic contribution. Also consider the effect of inflation over time. The amount needed for retirement or college 20 years from now is likely to be significantly higher than today.

To estimate the amount of life insurance your family would need, first calculate everything you now provide for your family including:

  • Salary
  • Benefits/health insurance
  • 401(k) and retirement savings
  • Personal services you perform for your family, such as child care, cooking, home maintenance, etc.


Then, subtract your personal expenses including:

  • Annual spending on personal needs, such as food, clothing, entertainment, etc.
How much does life insurance cost?

Life insurance through your workplace may be more affordable than you think. In fact, many people can get term life insurance coverage from a quality company for a surprisingly affordable price.2

Premiums are typically based on factors such as:

  • Age, sex, height and weight
  • Health status, including whether or not you smoke
  • Participation in high-risk occupations


Life insurance gets more expensive as you get older, and the type of coverage you choose will also affect your premium. Rates for term insurance are typically lower, while rates for permanent policies are typically higher.

Affordable Individual Life Insurance

Apply for MetLife Rapid Term life insurance (online or by phone) for individual coverage up to $500,000, with no medical exam required, just a few health questions. Available whether or not your employer offers life insurance.

Employers and HR Professionals

Learn about the benefits of MetLife Life Insurance for your employees.

Go

Availability of products and services is based on MetLife’s guidelines, group size, underwriting and state requirements. Like most insurance policies and benefit programs, insurance policies and benefit programs offered by Metropolitan Life Insurance Company and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for complete details.

1 In the event you retire or leave the company you may have the option of taking your coverage with you.

2 Life insurance policies contain certain exclusions, limitations, exceptions, reductions of benefits, waiting periods and terms for keeping them in force. Please contact your company’s benefits administrator 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.