How Does Metlife Life Insurance Work?

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    David RacichPRO
    Fountain Hills, Arizona
    Metlife is one of the largest life insurance companies in the world by total assets and life insurance in force. It has a huge retention capacity to underwrite risk without reinsurance assistance. MetLife underwrites their prospects through a medical due diligence process and financially validates the requested coverage. An offer is made to the prospective policy owner and if accepted and bound with the required premium is placed in force as an active policy. 

    Answered on June 19, 2013
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    Peggy Mace
    Most of the U.S.
    MetLife offers a variety of life insurance products in both individual and group policies. Therefore, each policy will work according to the type of life insurance it is. Their term insurance is guaranteed not to go up for the entire term. Their universal life guarantees depend on what type of policy it is. You can contact an agent that carries MetLife polices (including me) to find out about a particular product.
    Answered on June 10, 2015
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