{"id":324329,"date":"2025-11-11T17:20:46","date_gmt":"2025-11-11T22:20:46","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=80988"},"modified":"2025-11-11T17:20:47","modified_gmt":"2025-11-11T22:20:47","slug":"metlife-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/metlife-review\/","title":{"rendered":"MetLife Life Insurance Review"},"content":{"rendered":"\n\n\n<p> MetLife is one of the largest and longest-standing life insurance providers in the U.S. MetLife no longer sells new individual retail life policies in the U.S.; instead, coverage is offered through employer-sponsored group benefits, including basic and supplemental term life, dependent life, and optional permanent coverage such as <a href=\"https:\/\/www.metlife.com\">Group Universal Life (GUL)<\/a> and <a href=\"https:\/\/www.metlife.com\">Group Variable Universal Life (GVUL)<\/a>. Employers can bundle these solutions alongside AD&#038;D and related services through MetLife\u2019s group benefits platform. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Overview\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">MetLife Life Insurance Overview: Financial Strength, Availability, and History<\/h2>\n\n\n\n<p>Independent rating agencies continue to assess MetLife\u2019s core U.S. insurance subsidiaries at very strong levels: AM Best A+ (Superior), S&amp;P AA-, Moody\u2019s Aa3, and Fitch AA-, all with Stable outlooks (<a href=\"https:\/\/investor.metlife.com\/financials\/credit-ratings\/default.aspx\">MetLife Investor Relations \u2013 Credit Ratings<\/a>). These ratings indicate a strong ability to meet policyholder obligations and a stable near-term outlook.<\/p>\n\n\n\n<p>In addition to financial strength, MetLife continues to receive external recognition, including <a href=\"https:\/\/fortune.com\/ranking\/worlds-most-admired-companies\/2025\/\">Fortune\u2019s World\u2019s Most Admired Companies<\/a>, the <a href=\"https:\/\/www.bloomberg.com\">2025 Bloomberg Gender-Equality Index<\/a>, a top score (100) on the <a href=\"https:\/\/disabilityin.org\">2024 Disability Equality Index<\/a>, inclusion in the <a href=\"https:\/\/www.spglobal.com\/esg\/csa\/djsi-annual-review-2024\/\">2024 Dow Jones Sustainability Index (North America)<\/a>, and recognition in <a href=\"https:\/\/www.newsweek.com\/rankings\/americas-most-responsible-companies-2025\">Newsweek\u2019s America\u2019s Most Responsible Companies<\/a>.<\/p>\n\n\n\n<p>Current consumer benchmarks show a mixed landscape: the FTC reports <a href=\"https:\/\/www.ftc.gov\">2.6 million fraud reports and $10.0 billion in reported losses in 2023<\/a>, the CFPB\u2019s <a href=\"https:\/\/www.consumerfinance.gov\/data-research\/research-reports\/\">2023 Annual Report<\/a> shows credit reporting continues to dominate financial services complaints, and the <a href=\"https:\/\/www.bbb.org\/about\/annual-report\">BBB<\/a> system handles over 1 million consumer complaints annually. In the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\">J.D. Power 2024 U.S. Individual Life Insurance Study<\/a>, State Farm ranks highest overall; MetLife participates but is not among the top three nationally in that study year.<\/p>\n\n\n\n<ul><li>In business since: Longstanding U.S. insurer<\/li><li>S&amp;P Global financial strength rating: AA-<\/li><li>Moody\u2019s financial strength rating: Aa3<\/li><li>AM Best financial strength rating: A+<\/li><li>States served: Nationwide<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>MetLife best for: Eligible employees with workplace-sponsored plans<\/strong><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Pros:<\/strong><\/h4>\n\n\n\n<ul><li>Strong financial stability ratings<\/li><li>MetLife Advantages workplace benefits suite available to most policyholders<\/li><li>Portable permanent options (GUL\/GVUL) available through many employers<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Cons:<\/strong><\/h4>\n\n\n\n<ul><li>Life policies can only be purchased through an employer-sponsored plan<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"competition\" title=\"The Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Competition<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"\"><tbody><tr><td><br><\/td><td><strong>AM Best Financial Strength Rating<\/strong><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-individual-life-insurance-study\"><strong>J.D. Power 2024 U.S. Individual Life Insurance Study<\/strong><\/a><\/td><td><a href=\"https:\/\/naic.org\/cis_consumer_information.htm\"><strong>NAIC Customer Complaint<\/strong><\/a><strong>s<\/strong><\/td><\/tr><tr><td><strong>Northwestern Mutual<\/strong><\/td><td>A++<\/td><td>Among top-ranked carriers<\/td><td>See NAIC Complaint Index<\/td><\/tr><tr><td><strong>State Farm<\/strong><\/td><td>A++<\/td><td>Ranked highest overall<\/td><td>See NAIC Complaint Index<\/td><\/tr><tr><td><strong>Nationwide<\/strong><\/td><td>A+<\/td><td>Among top-ranked carriers<\/td><td>See NAIC Complaint Index<\/td><\/tr><tr><td><strong>New York Life<\/strong><\/td><td>A++<\/td><td>Not among top three in 2024<\/td><td>See NAIC Complaint Index<\/td><\/tr><tr><td><strong>Mutual of Omaha<\/strong><\/td><td>A+<\/td><td>Not among top three in 2024<\/td><td>See NAIC Complaint Index<\/td><\/tr><tr><td><strong>Principal<\/strong><\/td><td><strong>A+<\/strong><\/td><td>Not among top three in 2024<\/td><td>See NAIC Complaint Index<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<p class=\"xx-small\"><em data-rich-text-format-boundary=\"true\">*Select information updated through 2024\u20132025 sources; verify details with the cited links.<\/em><\/p>\n\n            <span class=\"b-toc-anchor\" id=\"bottom\" title=\"The Bottom Line\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p> While you can\u2019t buy new MetLife life insurance policies on an individual retail basis in the U.S., if your employer offers MetLife group life, review your options during enrollment. Strong, stable financial strength ratings support MetLife\u2019s claims-paying ability, and the MetLife Advantages bundle can add meaningful support for families\u2014such as <a href=\"https:\/\/www.metlife.com\">grief counseling<\/a>, <a href=\"https:\/\/www.metlife.com\/insurance\/legal-plans\/\">will preparation and digital estate planning<\/a>, <a href=\"https:\/\/www.metlife.com\">travel assistance<\/a>, and beneficiary access via the <a href=\"https:\/\/www.metlife.com\">Total Control Account<\/a> (availability varies by employer plan). <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"questions\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">MetLife Life Insurance FAQ<\/h2>\n\n\n<div id=\"block_5e84de3bda17d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is MetLife a good life insurance company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">MetLife has a long history in the life insurance industry, dating back to its origins as Metropolitan Life Insurance Company in 1868. The company\u2019s industry experience and financial stability ratings make it a sound financial choice for entrusting your life insurance needs. The company also pays dividends to eligible policyholders, and claims are paid as agreed once proper documentation has been submitted. The quality of customer service provided with MetLife is questionable, however. NAIC reports lower-than-average complaints with the company, but other metrics at BBB show a history of unsatisfied customers.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_caa3cacee8901\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What types of life insurance does MetLife offer?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">MetLife offers both <\/span><a href=\"https:\/\/www.metlife.com\/insurance\/life-insurance\/term-life\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">term life insurance<\/span><\/a><span style=\"font-weight: 400;\">, including basic, supplemental, and dependent coverage, and <\/span><a href=\"https:\/\/www.metlife.com\/insurance\/life-insurance\/permanent-life\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">permanent life insurance<\/span><\/a><span style=\"font-weight: 400;\">, through either group universal life or group variable universal life policies. Individual policies sold through an agent are no longer available for new customers.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_953869a21f294\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average life insurance cost per month with MetLife?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average cost of life insurance with MetLife varies based on a number of factors. Since MetLife life insurance policies are <\/span><a href=\"https:\/\/www.metlife.com\/support-and-manage\/current-customers\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">only offered through your workplace<\/span><\/a><span style=\"font-weight: 400;\">, costs differ based on the size of your employer and the percentage of premiums covered by your employer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, life insurance costs are affected by your age, gender, overall health status, occupation, and smoking status. Your premiums for a policy generally increase as the death benefit increases, and permanent policies are more expensive than term policies at the same benefit level.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_f233f4ffaa641\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does MetLife pay out dividends to its policyholders?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes, MetLife pays out dividends to both common and preferred stockholders each quarter. Many of the company\u2019s policyholders are also stockholders and receive direct benefits from these dividends. MetLife dividends are competitive for the industry, and MetLife most recently announced that it would <\/span><a href=\"https:\/\/www.metlife.com\/about-us\/newsroom\/2020\/april\/metlife-increases-common-stock-dividend-by-4--5-percent\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">increase the common stock dividend by 4.5%<\/span><\/a><span style=\"font-weight: 400;\"> for the second quarter of 2020. The company historically offers dividends on common stock at an average 10.7% compound annual growth rate each year.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_2c5e9f27a5789\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does MetLife life insurance require a medical exam?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Since MetLIfe policies are now offered only through employer-sponsored plans, medical exams are typically not required. Employees can usually obtain standard levels of term or permanent life insurance through their employee benefits offerings without the need for a separate medical exam, although, coverage levels that exceed certain amounts may require a separate medical exam before the higher coverage levels can be approved, depending on the company.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5e84de3bda17e\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Can you cancel MetLife life insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Since MetLife policies are coordinated through employee benefits plans, changes or cancellations can be made each year during an employee\u2019s open enrollment period or when a qualifying life event occurs. Employee eligibility for life insurance coverage may vary based on the employer\u2019s policies <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>MetLife is one of the largest and longest-standing life insurance providers in the U.S. MetLife no longer sells new individual retail life policies in the U.S.; instead, coverage is offered through employer-sponsored group benefits, including basic and supplemental term life, dependent life, and optional permanent coverage such as Group Universal Life (GUL) and Group Variable [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":348566,"parent":1766,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-reviews.php","meta":[],"categories":[1270],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MetLife Life 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