Transition Solutions

You have important benefit decisions to make. Now’s the time to take action.

We’re here to help you understand your Group Life insurance benefit options.

Your life insurance coverage will decrease or end soon. This is due to either a change in your employment, family or policy situation. You may have received a letter in the mail from MetLife and your company, which includes your coverage amounts and options for continuing coverage.

Please note: If you’d like to continue to receive this benefit, you have a limited time in which to convert your life insurance coverage. Otherwise, the election period will end and you will lose the chance to continue your benefit.

Conversion

  • Permanent Whole Life policy 
  • No medical questions
  • Must apply within short timeframe
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Portability

  • Term policy
  • No medical questions for standard rates
  • Limited medical questions for preferred rates
  • Must apply within short timeframe
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Individual

  • May be lower than conversion rates
  • ou choose your policy type
  • Health questions may be required
  • Application can be submitted at any time
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We are here to help you:

MetLife has an exclusive arrangement with Massachusetts Mutual Life Insurance Company (MassMutual) to provide you with access to a dedicated financial professional to help you navigate the changes to your benefits. He or she can assist you with: 

  • Making a decision in the required timeframe
  • Deciding what type of policy and how much coverage is right for you
  • Finding lower cost alternatives
  • Determining adequate coverage for other insurance and financial needs

To request a complimentary consultation with a MassMutual financial professional in your area, please call us at 833-223-9450, Monday –Friday from 9:00 a.m. to 6:00 p.m Eastern time. You can also complete the form below and a MassMutual financial professional will contact you.

Get the information you need to know about your options for continuing your coverage. Compare your options

Generally you have 31 days from when your benefits end to continue your coverage.  Refer to your paperwork for specific information about your policy.

Conversion Portability  Medical Underwriting

You can generally convert your Group Life insurance benefits to an Individual Whole Life insurance policy5 if your coverage terminates in whole or in part due to:

  • Retirement or termination of employment
  • A change in your employee class Conversion is available on all Group Life insurance coverages. Conversion is not available on AD&D coverage.

You can continue your Group Life and AD&D* insurance coverage with MetLife if your coverage terminates due to:

  • Termination of employment or retirement
  • A change in your employee class
  • You retire and do not continue your coverage under an Employer-sponsored Retiree Life Plan.
  • You are not eligible for Portability if:
  • You received approval for Premium Waiver Death Benefits, or
  • If the Master Contract between your employer and MetLife terminates.

* Your plan may not include the Portability feature on every product presented on the Election of Portable CoverageForm. The Recordkeeper for your plan will identify which coverage(s) and coverage amount(s) you are eligible to port.2

 You may qualify for an individual policy at any time with evidence of insurability.  
  • Not limited to a qualifying event
  • Policy types include a range of selections.  Please speak with a MassMutual financial professional to review your options. 
Conversion Portability Medical Underwriting
Coverage reductions and termination are subject to the terms of the policy chosen.
  • Employee: Reduces 50% at age 70, and terminates at age 80.
  • Spouse: Terminates at age 70.
  • Child(ren): Terminates at age 19 (age 23 if a full-time student and not employed on a full-time basis).
  • Coverage reductions and termination are subject to the terms of the policy chosen
Conversion Portability Medical Underwriting
No. No. Yes.
Conversion Portability Medical Underwriting

The coverage minimum under Conversion is subject to the Individual Life plan features.

The maximum coverage amount under Conversion varies based on the following:

  • The reason group benefits ended.
  • The amount of group insurance you have.
  • Your eligibility for any other group benefits within 31 days after current benefits terminate.
  • Specific state regulations.

The standard coverage minimum amounts are:

  • $20,000 for employees
  • $2,500 for spouses
  • $1,000 for children

Your coverage maximum amount is generally limited to the amount you had at the time group benefits terminated and may vary depending on the type of coverage you had. The standard maximum coverage amount is $1 million. Details about your specific coverage can be found on the Election of Portable Coverage form.

 Minimums and maximums are subject to the policy chosen, but may include more flexibility in your policy options.  Please speak with a MassMutual financial professional to review your options.
Conversion Portability Medical Underwriting
Coverage cannot be increased at any time and cannot be decreased on Whole Life policies. Coverage cannot be increased at any time but can be decreased as needed. Medically underwritten policies are not subject to a specified application period, and can be increased or decreased as needed, subject to the provisions of the policy chosen.
Conversion Portability Medical Underwriting
Total Control Account® (TCA) for beneficiaries.4 Please speak with a MassMutual financial professional to review your options that are available based on your specific needs
  • Accelerated Benefits Option (ABO) for Life coverage(s) only.3
  • Total Control Account® (TCA) for beneficiaries.4
Conversion Portability Medical Underwrting
  • You will receive a Notice of Conversion form from your Group Life Benefits Recordkeeper.
  • You have 31 days from the date your coverage ends to elect to convert your coverage.
  • Please speak with a MassMutual financial professional who can help you with the MetLife group conversion application process
  • You will receive an Election of Portable Coverage form from your Group Life Benefits Recordkeeper.
  • You have 31 days from the date on the Election form to complete and return this form to MetLife.
  • Coverage will take effect 32 days after your group coverage ends.
 You will be required to submit medical information along with the application. Please speak with a MassMutual financial professional who can help you with the application process
Conversion Portability Medical Underwriting
  • Rates for Conversion are based on your age at the time you convert your coverage and remain level throughout the life of the policy.
  • Please speak with a MassMutual financial professional who can provide quotes for conversion. 
  • Rates are based on your current age and differ from the rates you paid while employed. As with any group ofinsureds, rates may change based on the financial experience of the group.
  • MetLife will bill you
 Rates are based on a number of factors including age and insurability. Please speak with a MassMutual financial professional who can help you with a quote. Rates are based on a number of factors including age and insurability, and may be lower than a standard group conversion rate.