METLIFE LIFE INSURANCE
Financial protection for the people who matter most.
Depending on your employer's benefit package, coverage may include employer-paid life insurance and optional voluntary life insurance.
MetLife MyBenefits↗
MetLife Advantages
- Will preparation
- Funeral assistance, discounts and planning
- Retirement planning resources
- Grief counseling
- Beneficiary claims assistance
- Estate resolution services
- Life settlement account
Portability when coverage ends
Employees with supplemental life coverage or employer-paid group term life of $10,000 or more may have a portability option, subject to MetLife terms and deadlines.
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Coverage amounts vary by client. Refer to your client-specific Benefits Summary and official MetLife documents.
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METLIFE LIFE INSURANCE
Compare employer-paid and voluntary Life options.
Employers can select a Basic Life design, while employees may also have access to Supplemental Life and AD&D for themselves and eligible dependents.
10+basic & voluntary options
EMPLOYER-PAID BASIC LIFE
Flat-dollar Basic Life + AD&D
Five employer-selected designs provide a fixed Basic Life amount with a matching AD&D benefit.
BenefitAmounts shown per plan
Life + AD&DFlat $10,000
Life + AD&DFlat $50,000
Life + AD&DFlat $100,000
Life + AD&DFlat $150,000
Life + AD&DFlat $250,000
Benefit formula
Flat benefit
Flat benefit
Flat benefit
Flat benefit
Flat benefit
Maximum / amount
$10,000
$50,000
$100,000
$150,000
$250,000
AD&D included
Yes
Yes
Yes
Yes
Yes
Active-at-work requirement
Required
Required
Required
Required
Required
Age reduction schedule
May apply
May apply
May apply
May apply
May apply
Beneficiary grief counseling
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Total Control Account
Claims $5,000+
Claims $5,000+
Claims $5,000+
Claims $5,000+
Claims $5,000+
PortabilityIf eligible
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
Accelerated Benefits Option
See certificate*
Up to 80%
Up to 80%
Up to 80%
Up to 80%
Conversion
Available
Available
Available
Available
Available
Waiver of premium
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65
Flat $10,000
- Benefit formula
- Flat benefit
- Maximum / amount
- $10,000
- AD&D included
- Yes
- Active-at-work requirement
- Required
- Age reduction schedule
- May apply
- Beneficiary grief counseling
- Up to 5 sessions
- Total Control Account
- Claims $5,000+
- PortabilityIf eligible
- $10,000–$2,000,000
- Accelerated Benefits Option
- See certificate*
- Conversion
- Available
- Waiver of premium
- 9-month wait · to age 65
Flat $50,000
- Benefit formula
- Flat benefit
- Maximum / amount
- $50,000
- AD&D included
- Yes
- Active-at-work requirement
- Required
- Age reduction schedule
- May apply
- Beneficiary grief counseling
- Up to 5 sessions
- Total Control Account
- Claims $5,000+
- PortabilityIf eligible
- $10,000–$2,000,000
- Accelerated Benefits Option
- Up to 80%
- Conversion
- Available
- Waiver of premium
- 9-month wait · to age 65
Flat $100,000
- Benefit formula
- Flat benefit
- Maximum / amount
- $100,000
- AD&D included
- Yes
- Active-at-work requirement
- Required
- Age reduction schedule
- May apply
- Beneficiary grief counseling
- Up to 5 sessions
- Total Control Account
- Claims $5,000+
- PortabilityIf eligible
- $10,000–$2,000,000
- Accelerated Benefits Option
- Up to 80%
- Conversion
- Available
- Waiver of premium
- 9-month wait · to age 65
Flat $150,000
- Benefit formula
- Flat benefit
- Maximum / amount
- $150,000
- AD&D included
- Yes
- Active-at-work requirement
- Required
- Age reduction schedule
- May apply
- Beneficiary grief counseling
- Up to 5 sessions
- Total Control Account
- Claims $5,000+
- PortabilityIf eligible
- $10,000–$2,000,000
- Accelerated Benefits Option
- Up to 80%
- Conversion
- Available
- Waiver of premium
- 9-month wait · to age 65
Flat $250,000
- Benefit formula
- Flat benefit
- Maximum / amount
- $250,000
- AD&D included
- Yes
- Active-at-work requirement
- Required
- Age reduction schedule
- May apply
- Beneficiary grief counseling
- Up to 5 sessions
- Total Control Account
- Claims $5,000+
- PortabilityIf eligible
- $10,000–$2,000,000
- Accelerated Benefits Option
- Up to 80%
- Conversion
- Available
- Waiver of premium
- 9-month wait · to age 65
Confirm the Accelerated Benefits Option for the Flat $10,000 design in the applicable certificate.
EMPLOYER-PAID BASIC LIFE
Earnings-based Basic Life
Coverage can be tied to base annual earnings. The 3×/$600,000 design is available with AD&D or as Life only.
Benefit names
Earnings-based designs
Life-only design
BenefitAmounts shown per plan
Life + AD&D1× to $250K
Life + AD&D2× to $400K
Life + AD&D3× to $600K
Life + AD&D3× to $1M
Life only3× to $600K
Benefit formula
1× base annual earnings
2× base annual earnings
3× base annual earnings
3× base annual earnings
3× base annual earnings
Maximum / amount
$250,000
$400,000
$600,000
$1,000,000
$600,000
AD&D included
Yes
Yes
Yes
Yes
No
Active-at-work requirement
Required
Required
Required
Required
Required
Age reduction schedule
May apply
May apply
May apply
May apply
May apply
Beneficiary grief counseling
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Total Control Account
Claims $5,000+
Claims $5,000+
Claims $5,000+
Claims $5,000+
Claims $5,000+
PortabilityIf eligible
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
Accelerated Benefits Option
Up to 80%
Up to 80%
Up to 80%
Up to 80%
Up to 80%
Conversion
Available
Available
Available
Available
Available
Waiver of premium
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65
1× to $250K
Earnings-based designs- Benefit formula
- 1× base annual earnings
- Maximum / amount
- $250,000
- AD&D included
- Yes
- Active-at-work requirement
- Required
- Age reduction schedule
- May apply
- Beneficiary grief counseling
- Up to 5 sessions
- Total Control Account
- Claims $5,000+
- PortabilityIf eligible
- $10,000–$2,000,000
- Accelerated Benefits Option
- Up to 80%
- Conversion
- Available
- Waiver of premium
- 9-month wait · to age 65
2× to $400K
Earnings-based designs- Benefit formula
- 2× base annual earnings
- Maximum / amount
- $400,000
- AD&D included
- Yes
- Active-at-work requirement
- Required
- Age reduction schedule
- May apply
- Beneficiary grief counseling
- Up to 5 sessions
- Total Control Account
- Claims $5,000+
- PortabilityIf eligible
- $10,000–$2,000,000
- Accelerated Benefits Option
- Up to 80%
- Conversion
- Available
- Waiver of premium
- 9-month wait · to age 65
3× to $600K
Earnings-based designs- Benefit formula
- 3× base annual earnings
- Maximum / amount
- $600,000
- AD&D included
- Yes
- Active-at-work requirement
- Required
- Age reduction schedule
- May apply
- Beneficiary grief counseling
- Up to 5 sessions
- Total Control Account
- Claims $5,000+
- PortabilityIf eligible
- $10,000–$2,000,000
- Accelerated Benefits Option
- Up to 80%
- Conversion
- Available
- Waiver of premium
- 9-month wait · to age 65
3× to $1M
Earnings-based designs- Benefit formula
- 3× base annual earnings
- Maximum / amount
- $1,000,000
- AD&D included
- Yes
- Active-at-work requirement
- Required
- Age reduction schedule
- May apply
- Beneficiary grief counseling
- Up to 5 sessions
- Total Control Account
- Claims $5,000+
- PortabilityIf eligible
- $10,000–$2,000,000
- Accelerated Benefits Option
- Up to 80%
- Conversion
- Available
- Waiver of premium
- 9-month wait · to age 65
3× to $600K
Life-only design- Benefit formula
- 3× base annual earnings
- Maximum / amount
- $600,000
- AD&D included
- No
- Active-at-work requirement
- Required
- Age reduction schedule
- May apply
- Beneficiary grief counseling
- Up to 5 sessions
- Total Control Account
- Claims $5,000+
- PortabilityIf eligible
- $10,000–$2,000,000
- Accelerated Benefits Option
- Up to 80%
- Conversion
- Available
- Waiver of premium
- 9-month wait · to age 65
AD&D includes a covered-loss schedule and additional Air Bag, Seat Belt and Common Carrier benefits. The Life-only 3×/$600,000 design does not include AD&D coverage or its related provisions.
EMPLOYEE-PAID COVERAGE
Supplemental Life + AD&D
Employees can elect additional coverage for themselves and, when eligible, for a spouse or domestic partner and dependent children.
BenefitAmounts shown per plan
SupplementalEmployee
DependentSpouse / Domestic Partner
DependentDependent Child
Minimum election
$10,000
$5,000
$100 birth–15 days · $1,000 at 15 days–6 months
Election increments
$10,000
$5,000
$1,000 / $2,000 / $4,000 / $5,000 / $10,000
Maximum coverage
Lesser of 5× earnings or $500,000
$100,000 and no more than 50% of employee coverage
$10,000 from 6 months to age 26
AD&D option
Equal to elected Life amount
May equal elected Dependent Life
May equal elected Dependent Life
New-hire medical-information limitEnrollment within 31 days
Below $150,000
Below $50,000
No separate limit stated
Annual enrollment without medical information
Continue coverage or +1 increment, total ≤ $150,000
Continue existing coverage
Continue existing coverage
Employee coverage required
—
Yes
Yes
Effective-date requirement
Actively at work
Not confined or receiving / applying for disability
Not confined or receiving / applying for disability
Accelerated Benefits Option
Available
Available
Not available
Portability maximum
Up to $2,000,000
Up to $250,000
Up to $25,000
Waiver of premium
After 9 months of disability; plan conditions apply
Not available
Not available
Employee
- Minimum election
- $10,000
- Election increments
- $10,000
- Maximum coverage
- Lesser of 5× earnings or $500,000
- AD&D option
- Equal to elected Life amount
- New-hire medical-information limitEnrollment within 31 days
- Below $150,000
- Annual enrollment without medical information
- Continue coverage or +1 increment, total ≤ $150,000
- Employee coverage required
- —
- Effective-date requirement
- Actively at work
- Accelerated Benefits Option
- Available
- Portability maximum
- Up to $2,000,000
- Waiver of premium
- After 9 months of disability; plan conditions apply
Spouse / Domestic Partner
- Minimum election
- $5,000
- Election increments
- $5,000
- Maximum coverage
- $100,000 and no more than 50% of employee coverage
- AD&D option
- May equal elected Dependent Life
- New-hire medical-information limitEnrollment within 31 days
- Below $50,000
- Annual enrollment without medical information
- Continue existing coverage
- Employee coverage required
- Yes
- Effective-date requirement
- Not confined or receiving / applying for disability
- Accelerated Benefits Option
- Available
- Portability maximum
- Up to $250,000
- Waiver of premium
- Not available
Dependent Child
- Minimum election
- $100 birth–15 days · $1,000 at 15 days–6 months
- Election increments
- $1,000 / $2,000 / $4,000 / $5,000 / $10,000
- Maximum coverage
- $10,000 from 6 months to age 26
- AD&D option
- May equal elected Dependent Life
- New-hire medical-information limitEnrollment within 31 days
- No separate limit stated
- Annual enrollment without medical information
- Continue existing coverage
- Employee coverage required
- Yes
- Effective-date requirement
- Not confined or receiving / applying for disability
- Accelerated Benefits Option
- Not available
- Portability maximum
- Up to $25,000
- Waiver of premium
- Not available
Dependent children are generally eligible from birth to age 26; the summary states age 25 in Texas. Coverage, evidence-of-insurability rules and state variations remain subject to the official certificate.