FAQ

It’s a competitively priced way to protect your family and finances in the event something happens to you. For many people, insurance helps make sure that if something unforeseen should happen, short- and long-term financial obligations could be met. If you have a spouse, state-registered domestic partner, and/or children, they may rely on you to help keep the household running. It’s important to take steps to make sure your family would be financially prepared if you were no longer there to handle expenses like:

  • Mortgage or rent payments
  • Insurance premiums
  • Transportation
  • Utilities
  • Child care/education fees
  • Credit card bills


Accidental Death & Dismemberment Benefits (AD&D) can provide financial security should a sudden accident take your life or cause you serious loss or harm. This coverage complements your life insurance coverage and helps protect you 24 hours a day, 365 days a year.

While having Basic Life Insurance provided by your employer is a great benefit, chances are it may not be enough to adequately provide for your family now and years from now. Optional Life Insurance can give your family greater financial security.

Probably more than you have now. You should keep in mind that insurance needs change as your life changes—for example, getting married, starting a family, or purchasing a home. Many people are surprised to learn that they don’t have enough life insurance to cover the many expenses their loved ones may face. We’ve made it very simple to determine the amount of coverage you need now: Go to www.metlifeiseasier.com and select the easy-to-use Life Insurance Calculator to find your answer in minutes.

It may be less expensive than you think. MetLife has designed these Group Life insurance plans to be an economical way for you to provide for your family. You’ll enjoy competitive group rates, with a wide range of coverage options to choose from. Exact rates can be found in the enrollment materials provided by your employer and on MetLife’s website.

State agency and higher-education employees: Premiums will be paid through payroll deductions. 
All other employees: Premiums for Optional life insurance and Optional AD&D insurance will be paid through direct billing.

Claims are paid, tax-free, in a lump sum to the beneficiaries you choose.

This plan also includes features and services through MetLife AdvantagesSM at no cost for support, planning, and protection when you need it most:

  • Will Preparation Services1 
    Offers in-person will preparation for you and your spouse/domestic partner at no additional cost when you use a Hyatt Legal Plans attorney.
  • Estate Resolution Services1 
    With this service, executors or adminstrators may receive in-person legal assistance with probating your and your spouse’s/domestic partner’s estates. Beneficiaries can also consult an attorney for general questions about the probate process.
  • Portability2 
    Provides an opportunity to continue your group term life insurance coverage with MetLife if your coverage terminates due to a qualifying event.
  • Grief Counseling3 
    Available with basic term life insurance, provides the insured and dependents in-person or telephone sessions with a grief counselor.
  • Funeral Assistance3 
    Work with compassionate counselors that assist you with customizing funeral arrangements to honor a loved one’s life with personalized one-on-one service.
  • Accelerated Benefit Option4 
    Provides early access to funds in the event of a terminal illness.
  • Travel Assistance5 
    Traveling with peace of mind. Access to medical, travel, and concierge services - 24 hours a day, 365 days a year when traveling internationally or domestically.
  • Digital Storage6 (formally known as MetLife Infinity) 
    Creating and sharing a digital legacy is easy with MetLife Infinity®. Use a digital application to store important documents securely such as deeds, wills, and personal photos and videos
  • Beneficiary Claim Assistance7 (formally known as Delivering the Promise) 
    Making the claims process easy. Your beneficiaries get guidance from experts as they work through their options and financial needs with our Delivering The Promise services.
  • Life Settlement Account8 (Formerly known as Total Control Account (TCA)) 
    Reducing the pressure of immediate financial decisions. Your beneficiaries can take their time to make the right decision with the flexible settlement option that gives full access to policy funds while earning a guaranteed minimum interest rate.
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1 Will Preparation Services and Estate Resolution Services are offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, Will Preparation Services and Estate Resolution Services are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and its affiliates, Warwick, RI. In some states, Will Preparation and Estate Resolution Services are subject to regulatory approval and are not currently available. These services are provided at no cost to those who purchase Supplemental Life Insurance only.

2 To take advantage of this benefit, coverage of at least $10,000 must be elected. Increases, decreases, minimum and maximum coverage amounts are subject to state availability. Please contact your plan administrator or refer to your certificate for specific details.

3 Grief Counseling and Funeral Assistance services are provided through an agreement with Harris, Rothenberg International (HRI), Inc. HRI is not an affiliate of MetLife, and the services HRI provides are separate and apart from the insurance provided by MetLife. HRI has a nationwide network of over 35,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. Subject to state regulatory approval, not approved in all states. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). For such issues, members should inquire with their human resources department about available company resources. This program is available to insureds, their dependents and beneficiaries who must have received a serious medical diagnosis or suffered a loss that has occurred, meaning, the diagnosis or loss must have taken place (death in the family, job loss, a finalized divorce or separation). Events that may result in a loss are not covered under this program unless and until such loss has occurred.

4 The Accelerated Benefits Option is subject to state regulation and is intended to qualify for favorable federal income tax treatment, in which case the benefits will be excludable from your income and will not be subject to federal taxation. This information was written as a supplement to the marketing of life insurance products. Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you, your spouse or your family.

5 Travel Assistance services are administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by Certain Underwriters at Lloyd’s London (not incorporated) through Lloyd’s Illinois, Inc. Neither AXA Assistance USA Inc. nor the Lloyd’s entities are affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife.

6 MetLife Infinity is offered by MetLife Consumer Services, Inc., an affiliate of Metropolitan Life Insurance Company. MetLife Infinity is available to anyone regardless of affiliation with MetLife

7 MetLife Infinity is offered by MetLife Consumer Services, Inc., an affiliate of Metropolitan Life Insurance Company. MetLife Infinity is available to anyone regardless of affiliation with MetLife

8 Subject to state law, and/or group policyholder direction, the Total Control Account (TCA) is provided for all Life and AD&D benefits of $5,000 or more. The TCA is not insured by the Federal Deposit Insurance Corporation or any government agency. The assets backing TCA are maintained in MetLife’s general account and are subject to MetLife’s creditors. MetLife bears the investment risk of the assets backing the TCA, and expects to earn income sufficient to pay interest to TCA Accountholders and to provide a profit on the operation of the TCAs