Life / Disability

Life insurance pays your beneficiary in the event of your death.

Disability insurance provides a steady stream of income to help cover your bills and expenses when an injury or illness keeps you away from work.

Life insurance can help protect your family

Take control of your life insurance coverage so you’ll have the right protection in place for you and your family at all times.

Life Insurance

You can easily protect your family’s future, today

You do all you can to build the best life for your loved ones. It’s why you work hard, save what you can and try your best to plan for the future. Now you can help ensure that future by providing your loved ones with the financial protection only life insurance offers. This way, you’ll know that the life you’re working hard to build for your family will still move forward, no matter what happens.

  • Provides your family with necessary financial protection
  • Pays a monetary benefit to your beneficiary in the event of your death
  • Money can be used for a wide variety of purposes: final expenses, income replacement, paying off mortgage and other debts, childcare/education costs, and other short- and long-term expenses

80% of people think life insurance is more expensive than it actually is.1

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Life Insurance FAQs

While having life insurance provided by your employer is a great benefit, it’s possible that it may not be enough to adequately provide for your family. Additional life insurance can give your family greater financial security if you are no longer here to earn a paycheck.

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

It’s simple to determine the amount of coverage you need now:
Go to www.metlifeiseasier.net 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 provided by your employer.

Premiums are conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

  • You get competitive group rates and a wide range of coverage options to choose from.
  • Proceeds are generally income tax free and can be paid to your beneficiary in a lump-sum payment. 
  • You will have the convenience of having premiums automatically deducted from your paycheck

With portability, you can take your life insurance benefits with you without a gap in coverage. You can continue your Group Life insurance coverage with MetLife should you leave your employer for any reason. Competitive rates apply but will likely be higher than your current rates. MetLife will bill you directly2

How much Life insurance should you have?

Find out with our life insurance calculator

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Tony hurt his back, but not his ability to have an income

If serious injury or illness keeps you from working, disability insurance can help you maintain your quality of life while recovering.

Disability Insurance

Help replace a portion of your income if you cannot work1

If you lost your ability to earn income, how would you pay for your bills and provide for your family? In the event of a disability, you need coverage that's quickly accessible and payments that help you to cover everyday expenses. Enrollment is simple but the benefits are significant.

  • Replaces a portion of your income when you are unable to work due to sickness, pregnancy, chronic condition or accidental injury.
  • Benefit payments are made directly to you and you decide how to spend the money.
  • Helps you meet your day-to-day financial obligations so your long-term goals can stay on track.

Did you know disability insurance and workers’ compensation are not the same thing? Workers’ compensation only applies if you are hurt at work. Disability insurance covers you when you’re unable to work because of illness or injury — whether suffered at work or not.

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Disability Insurance FAQs

Consider any expenses you may incur in the running of your household, including car payments, mortgage payments, groceries, child care, tuition and more, that would still need to be covered in the event of a disability.

Depending upon the amount of coverage you choose, payment will be made directly to you — not your employer, hospital, doctor or insurance company.

Enrolling in a plan is not mandatory, but it is a good idea and an affordable way to help protect your income. Without disability insurance, you may need to use your savings or tap into other assets to cover your essential living expenses while you recover from an accident or illness.

MetLife offers various ways to submit your claim based on your plan, including online, mail and phone options. Plus, you can track the status of your claim online or on the MetLife US App. Search "MetLife" on iTunes® App Store or Google Play to download the app.

As one of the nation’s leading providers of disability benefits,2 you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a disability. 

How much disability insurance should you have?

Find out with our disability insurance calculator

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Life Insurance Disclosures

1 LIMRA - http://www.limra.com/uploadedFiles/limra.com/LIMRA_Root/Posts/PR/LIAM/PDF/Infographic_TrueCost.pdf

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 your MetLife Group Representative for costs and complete details.

Disability Insurance Disclosures

1 Like most disability income insurance policies, MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife representative about costs and complete details. For policies issued in New York: These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.