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TERM LIFE INSURANCE

Help secure your family’s future.

Help protect your family for whatever life brings.

Term Life Insurance can be a cost-effective way to help protect your family and finances in the event that something happens to you. By paying a benefit in the event of the death of the insured during a specified term, it can help ensure that short- and long-term financial obligations could be met. It’s important to take steps to make sure your family would be financially prepared if you were no longer there to handle expenses, such as:

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

Choose a plan type based on the coverage you need.

QuickTerm Life

(for coverage amounts up to $250,000)

This QuickTerm / simplified issue group term life insurance plan is offered by MetLife. You and your spouse/domestic partner, depending on their age(s), may apply for coverage, using our short-form application. This form includes only a few medical questions and asks for your height and weight. If we find no further medical information is needed upon review of your application, then you’re done! It’s as easy as that1.

Coverage Limits

under age 40: $25,000 – $250,000
age 40-49: $25,000 – $150,000
age 50-59: $25,000 – $100,000
(Need more coverage? Apply for the fully underwritten Group Term Life plan.)

Online Application

(You will be prompted to enter your name and email to begin the application.)

Sample Rates

The table below contains sample monthly premiums per $100,000 of death benefit coverage. Rates are guaranteed until December 31, 2021.

 MALEFEMALE
AgeNonsmokerSmokerNonsmokerSmoker
under 30$4.20$6.30$3.30$4.90
30-34$4.90$7.30$3.70$5.60
35-39$7.50$11.20$5.40$8.20
40-44$12.40$18.60$9.10$13.70
45-49$19.90$29.90$14.40$21.60
50-54$35.40$53.10$25.90$38.80
55-59$53.20$79.80$39.70$59.60
60-64$101.60$152.40$75.50$113.20
65-69$164.10$246.20$124.40$186.60
70-74$290.20$435.30$197.30$296.00
75 and over$507.90$761.80$345.40$518.10

Plan Benefits

  • Grief Counseling2: Access professional support in a time of need. Meet in-person or by phone with a licensed counselor to help cope with a loss or major life change.
  • Will Preparation Services3: Helping to ensure your final wishes are clear. Get help preparing or updating a will, living will or power of attorney.
  • Estate Resolution Services3: Settling an estate with confidence. With unlimited consultations, either in person with an attorney or by phone, including court representations.
  • Accelerated Benefit Option4: Receive a percentage of your life insurance in the event that you become terminally ill and are diagnosed with no more than a specified amount of time to live.
  • Funeral Planning Assistance2: Honoring a loved one’s life. Work with compassionate counselors that assist with customizing funeral arrangements with personalized one-on-one service.
  • Total Control Account®5: Provides your loved ones with a safe and convenient way to manage life insurance proceeds.
  • Dignity Memorial®6: Get access to the largest network of funeral homes and cemeteries to pre-plan with a counselor and receive discounts on funeral services.

How Much Do I Need?

It may be more than you have now. You should keep in mind that insurance may need to change as your life changes — for example, getting married, starting a family or purchasing a home. Many people are surprised to learn that they may not have enough life insurance to cover the many expenses their loved ones may face. We’ve made it very simple to help you determine the amount of coverage you may need now: Go to lifeonlinecalculator.com and click on the easy-to-use life insurance calculator to find your answer in minutes.

Pictogram_Calculator_01.L-125x125

Special Offer

Accidental Death and Dismemberment Benefits (AD&D) are also available for a small additional cost when purchasing a MetLife term life plan. AD&D can help provide financial security should a sudden, covered accident take your life or cause you serious loss or harm. This coverage complements your life insurance coverage and can help protect you 24 hours a day, 365 days a year.

Underwritten by:

1. You must be performing your normal activities for coverage to become effective. If answers to medical questions are unfavorable, then full underwriting may be required and coverage is subject to approval of insurer.

2. Grief Counseling and Funeral Planning Assistance are provided through an agreement with LifeWorks US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. 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). This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred.

3. Will preparation and MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and affiliates, Warwick, Rhode Island. For New York-sitused cases, the will preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond will preparation. Tax planning and preparation of living trusts are not covered by the will preparation service. Certain services are not covered by estate resolution services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.

4. The Accelerated Benefits Option (ABO) is subject to state availability and regulation. The ABO benefits are intended to qualify for favorable federal tax treatment, in which case the benefits 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 ABO benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of ABO benefits will have on public assistance eligibility for you, your spouse or your family.

5. Subject to state law, and/or group policyholder direction, the Total Control Account 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.

6. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. Not available in some states. SCI offers planning services, expert assistance, and bereavement travel services to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network of funeral providers have been pre-negotiated. Not available where prohibited by law. If the group policy is issued in an approved state, the discount is available for funeral services held in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For TN, the funeral services discount is available for “At Need” services only. Not approved in AK, FL, KY, MT, ND, NY and WA.

Term Life coverage not available in AK, ME, NH, NM, OR, or UT. AD&D coverage not available in AK, MD, ME, NH, NM, OR, UT, or WA. Please contact Member Benefits at 1-800-282-8626 for more information.

This plan is made available to you through membership in the American Association of Business Networking (ABN). An ABN membership is required to enroll in this Term Life plan. You can join the ABN during your Term Life plan enrollment. Learn more about the ABN here.

Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact Member Benefits at 1-800-282-8626 for costs and complete details.

Download the MetLife Privacy Notice.

Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166
LD# L1220009507[exp1222][All States][DC,GU,MP,PR,VI] © 2020 MSS

Group Term Life

(for coverage amounts up to $1,000,000)

This fully underwritten group term life insurance plan is offered by MetLife. You and your spouse/domestic partner, depending on their age(s), may apply for coverage, using our long-form application. Apply for up to $1,000,000 in coverage. Rates increase in 5-year age bands.

When you apply, simply answer the health questions. Even if you have a health condition, you may still qualify. Depending on the amount applied for, a paramedical exam and blood test may be required, which will be scheduled at your convenience and at no cost to you.

Online Application

(You will be prompted to enter your name and email to begin the application.)

Coverage Limits

under age 40: $250,000 – $1,000,000
age 40-49: $150,000 – $1,000,000
age 50-59: $100,000 – $1,000,000

Sample Rates

The table below contains sample monthly premiums per $100,000 of death benefit coverage. Rates are guaranteed until December 31, 2021.

 MALEFEMALE
AgeNonsmokerSmokerNonsmokerSmoker
under 30$4.20$6.30$3.30$4.90
30-34$4.90$7.30$3.70$5.60
35-39$7.50$11.20$5.40$8.20
40-44$12.40$18.60$9.10$13.70
45-49$19.90$29.90$14.40$21.60
50-54$35.40$53.10$25.90$38.80
55-59$53.20$79.80$39.70$59.60
60-64$101.60$152.40$75.50$113.20
65-69$164.10$246.20$124.40$186.60
70-74$290.20$435.30$197.30$296.00
75 and over$507.90$761.80$345.40$518.10

Plan Benefits

  • Grief Counseling2: Access professional support in a time of need. Meet in-person or by phone with a licensed counselor to help cope with a loss or major life change.
  • Will Preparation Services3: Helping to ensure your final wishes are clear. Get help preparing or updating a will, living will or power of attorney.
  • Estate Resolution Services3: Settling an estate with confidence. With unlimited consultations, either in person with an attorney or by phone, including court representations.
  • Accelerated Benefit Option4: Receive a percentage of your life insurance in the event that you become terminally ill and are diagnosed with no more than a specified amount of time to live.
  • Funeral Planning Assistance2: Honoring a loved one’s life. Work with compassionate counselors that assist with customizing funeral arrangements with personalized one-on-one service.
  • Total Control Account®5: Provides your loved ones with a safe and convenient way to manage life insurance proceeds.
  • Dignity Memorial®6: Get access to the largest network of funeral homes and cemeteries to pre-plan with a counselor and receive discounts on funeral services.

How Much Do I Need?

It may be more than you have now. You should keep in mind that insurance may need to change as your life changes — for example, getting married, starting a family or purchasing a home. Many people are surprised to learn that they may not have enough life insurance to cover the many expenses their loved ones may face. We’ve made it very simple to help you determine the amount of coverage you may need now: Go to lifeonlinecalculator.com and click on the easy-to-use life insurance calculator to find your answer in minutes.

Pictogram_Calculator_01.L-125x125

Special Offer

Accidental Death and Dismemberment Benefits (AD&D) are also available for a small additional cost when purchasing a MetLife term life plan. AD&D can help provide financial security should a sudden, covered accident take your life or cause you serious loss or harm. This coverage complements your life insurance coverage and can help protect you 24 hours a day, 365 days a year.

Underwritten by:

1. You must be performing your normal activities for coverage to become effective. If answers to medical questions are unfavorable, then full underwriting may be required and coverage is subject to approval of insurer.

2. Grief Counseling and Funeral Planning Assistance are provided through an agreement with LifeWorks US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. 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). This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred.

3. Will preparation and MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and affiliates, Warwick, Rhode Island. For New York-sitused cases, the will preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond will preparation. Tax planning and preparation of living trusts are not covered by the will preparation service. Certain services are not covered by estate resolution services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.

4. The Accelerated Benefits Option (ABO) is subject to state availability and regulation. The ABO benefits are intended to qualify for favorable federal tax treatment, in which case the benefits 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 ABO benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of ABO benefits will have on public assistance eligibility for you, your spouse or your family.

5. Subject to state law, and/or group policyholder direction, the Total Control Account 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.

6. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. Not available in some states. SCI offers planning services, expert assistance, and bereavement travel services to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network of funeral providers have been pre-negotiated. Not available where prohibited by law. If the group policy is issued in an approved state, the discount is available for funeral services held in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For TN, the funeral services discount is available for “At Need” services only. Not approved in AK, FL, KY, MT, ND, NY and WA.

Term Life coverage not available in AK, ME, NH, NM, OR, or UT. AD&D coverage not available in AK, MD, ME, NH, NM, OR, UT, or WA. Please contact Member Benefits at 1-800-282-8626 for more information.

This plan is made available to you through membership in the American Association of Business Networking (ABN). An ABN membership is required to enroll in this Term Life plan. You can join the ABN during your Term Life plan enrollment. Learn more about the ABN here.

Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact Member Benefits at 1-800-282-8626 for costs and complete details.

Download the MetLife Privacy Notice.

Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166
LD# L1220009507[exp1222][All States][DC,GU,MP,PR,VI] © 2020 MSS

Individual Term Life

(for coverage amounts up to $10,000,000)

These fully underwritten individual term life insurance plans are offered by carriers rated A- (Excellent) or better by A.M. Best. Premiums are fixed over the course of the term and based on factors such as your age at the time you take out the policy, your overall health, gender and amount of coverage desired.

QuickTerm Life
(coverage up to $250,000)

QuickTerm Life

(for coverage amounts up to $250,000)

This QuickTerm / simplified issue group term life insurance plan is offered by MetLife. You and your spouse/domestic partner, depending on their age(s), may apply for coverage, using our short-form application. This form includes only a few medical questions and asks for your height and weight. If we find no further medical information is needed upon review of your application, then you’re done! It’s as easy as that1.

Coverage Limits

under age 40: $25,000 – $250,000
age 40-49: $25,000 – $150,000
age 50-59: $25,000 – $100,000
(Need more coverage? Apply for the fully underwritten Group Term Life plan.)

Online Application

(You will be prompted to enter your name and email to begin the application.)

Sample Rates

The table below contains sample monthly premiums per $100,000 of death benefit coverage. Rates are guaranteed until December 31, 2021.

 MALEFEMALE
AgeNonsmokerSmokerNonsmokerSmoker
under 30$4.20$6.30$3.30$4.90
30-34$4.90$7.30$3.70$5.60
35-39$7.50$11.20$5.40$8.20
40-44$12.40$18.60$9.10$13.70
45-49$19.90$29.90$14.40$21.60
50-54$35.40$53.10$25.90$38.80
55-59$53.20$79.80$39.70$59.60
60-64$101.60$152.40$75.50$113.20
65-69$164.10$246.20$124.40$186.60
70-74$290.20$435.30$197.30$296.00
75 and over$507.90$761.80$345.40$518.10

Plan Benefits

  • Grief Counseling2: Access professional support in a time of need. Meet in-person or by phone with a licensed counselor to help cope with a loss or major life change.
  • Will Preparation Services3: Helping to ensure your final wishes are clear. Get help preparing or updating a will, living will or power of attorney.
  • Estate Resolution Services3: Settling an estate with confidence. With unlimited consultations, either in person with an attorney or by phone, including court representations.
  • Accelerated Benefit Option4: Receive a percentage of your life insurance in the event that you become terminally ill and are diagnosed with no more than a specified amount of time to live.
  • Funeral Planning Assistance2: Honoring a loved one’s life. Work with compassionate counselors that assist with customizing funeral arrangements with personalized one-on-one service.
  • Total Control Account®5: Provides your loved ones with a safe and convenient way to manage life insurance proceeds.
  • Dignity Memorial®6: Get access to the largest network of funeral homes and cemeteries to pre-plan with a counselor and receive discounts on funeral services.

How Much Do I Need?

It may be more than you have now. You should keep in mind that insurance may need to change as your life changes — for example, getting married, starting a family or purchasing a home. Many people are surprised to learn that they may not have enough life insurance to cover the many expenses their loved ones may face. We’ve made it very simple to help you determine the amount of coverage you may need now: Go to lifeonlinecalculator.com and click on the easy-to-use life insurance calculator to find your answer in minutes.

Pictogram_Calculator_01.L-125x125

Special Offer

Accidental Death and Dismemberment Benefits (AD&D) are also available for a small additional cost when purchasing a MetLife term life plan. AD&D can help provide financial security should a sudden, covered accident take your life or cause you serious loss or harm. This coverage complements your life insurance coverage and can help protect you 24 hours a day, 365 days a year.

Underwritten by:

1. You must be performing your normal activities for coverage to become effective. If answers to medical questions are unfavorable, then full underwriting may be required and coverage is subject to approval of insurer.

2. Grief Counseling and Funeral Planning Assistance are provided through an agreement with LifeWorks US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. 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). This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred.

3. Will preparation and MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and affiliates, Warwick, Rhode Island. For New York-sitused cases, the will preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond will preparation. Tax planning and preparation of living trusts are not covered by the will preparation service. Certain services are not covered by estate resolution services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.

4. The Accelerated Benefits Option (ABO) is subject to state availability and regulation. The ABO benefits are intended to qualify for favorable federal tax treatment, in which case the benefits 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 ABO benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of ABO benefits will have on public assistance eligibility for you, your spouse or your family.

5. Subject to state law, and/or group policyholder direction, the Total Control Account 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.

6. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. Not available in some states. SCI offers planning services, expert assistance, and bereavement travel services to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network of funeral providers have been pre-negotiated. Not available where prohibited by law. If the group policy is issued in an approved state, the discount is available for funeral services held in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For TN, the funeral services discount is available for “At Need” services only. Not approved in AK, FL, KY, MT, ND, NY and WA.

Term Life coverage not available in AK, ME, NH, NM, OR, or UT. AD&D coverage not available in AK, MD, ME, NH, NM, OR, UT, or WA. Please contact Member Benefits at 1-800-282-8626 for more information.

This plan is made available to you through membership in the American Association of Business Networking (ABN). An ABN membership is required to enroll in this Term Life plan. You can join the ABN during your Term Life plan enrollment. Learn more about the ABN here.

Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact Member Benefits at 1-800-282-8626 for costs and complete details.

Download the MetLife Privacy Notice.

Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166
LD# L1220009507[exp1222][All States][DC,GU,MP,PR,VI] © 2020 MSS

Group Term Life
(coverage up to $1,000,000)

Group Term Life

(for coverage amounts up to $1,000,000)

This fully underwritten group term life insurance plan is offered by MetLife. You and your spouse/domestic partner, depending on their age(s), may apply for coverage, using our long-form application. Apply for up to $1,000,000 in coverage. Rates increase in 5-year age bands.

When you apply, simply answer the health questions. Even if you have a health condition, you may still qualify. Depending on the amount applied for, a paramedical exam and blood test may be required, which will be scheduled at your convenience and at no cost to you.

Online Application

(You will be prompted to enter your name and email to begin the application.)

Coverage Limits

under age 40: $250,000 – $1,000,000
age 40-49: $150,000 – $1,000,000
age 50-59: $100,000 – $1,000,000

Sample Rates

The table below contains sample monthly premiums per $100,000 of death benefit coverage. Rates are guaranteed until December 31, 2021.

 MALEFEMALE
AgeNonsmokerSmokerNonsmokerSmoker
under 30$4.20$6.30$3.30$4.90
30-34$4.90$7.30$3.70$5.60
35-39$7.50$11.20$5.40$8.20
40-44$12.40$18.60$9.10$13.70
45-49$19.90$29.90$14.40$21.60
50-54$35.40$53.10$25.90$38.80
55-59$53.20$79.80$39.70$59.60
60-64$101.60$152.40$75.50$113.20
65-69$164.10$246.20$124.40$186.60
70-74$290.20$435.30$197.30$296.00
75 and over$507.90$761.80$345.40$518.10

Plan Benefits

  • Grief Counseling2: Access professional support in a time of need. Meet in-person or by phone with a licensed counselor to help cope with a loss or major life change.
  • Will Preparation Services3: Helping to ensure your final wishes are clear. Get help preparing or updating a will, living will or power of attorney.
  • Estate Resolution Services3: Settling an estate with confidence. With unlimited consultations, either in person with an attorney or by phone, including court representations.
  • Accelerated Benefit Option4: Receive a percentage of your life insurance in the event that you become terminally ill and are diagnosed with no more than a specified amount of time to live.
  • Funeral Planning Assistance2: Honoring a loved one’s life. Work with compassionate counselors that assist with customizing funeral arrangements with personalized one-on-one service.
  • Total Control Account®5: Provides your loved ones with a safe and convenient way to manage life insurance proceeds.
  • Dignity Memorial®6: Get access to the largest network of funeral homes and cemeteries to pre-plan with a counselor and receive discounts on funeral services.

How Much Do I Need?

It may be more than you have now. You should keep in mind that insurance may need to change as your life changes — for example, getting married, starting a family or purchasing a home. Many people are surprised to learn that they may not have enough life insurance to cover the many expenses their loved ones may face. We’ve made it very simple to help you determine the amount of coverage you may need now: Go to lifeonlinecalculator.com and click on the easy-to-use life insurance calculator to find your answer in minutes.

Pictogram_Calculator_01.L-125x125

Special Offer

Accidental Death and Dismemberment Benefits (AD&D) are also available for a small additional cost when purchasing a MetLife term life plan. AD&D can help provide financial security should a sudden, covered accident take your life or cause you serious loss or harm. This coverage complements your life insurance coverage and can help protect you 24 hours a day, 365 days a year.

Underwritten by:

1. You must be performing your normal activities for coverage to become effective. If answers to medical questions are unfavorable, then full underwriting may be required and coverage is subject to approval of insurer.

2. Grief Counseling and Funeral Planning Assistance are provided through an agreement with LifeWorks US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. 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). This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred.

3. Will preparation and MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and affiliates, Warwick, Rhode Island. For New York-sitused cases, the will preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond will preparation. Tax planning and preparation of living trusts are not covered by the will preparation service. Certain services are not covered by estate resolution services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.

4. The Accelerated Benefits Option (ABO) is subject to state availability and regulation. The ABO benefits are intended to qualify for favorable federal tax treatment, in which case the benefits 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 ABO benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of ABO benefits will have on public assistance eligibility for you, your spouse or your family.

5. Subject to state law, and/or group policyholder direction, the Total Control Account 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.

6. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. Not available in some states. SCI offers planning services, expert assistance, and bereavement travel services to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network of funeral providers have been pre-negotiated. Not available where prohibited by law. If the group policy is issued in an approved state, the discount is available for funeral services held in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For TN, the funeral services discount is available for “At Need” services only. Not approved in AK, FL, KY, MT, ND, NY and WA.

Term Life coverage not available in AK, ME, NH, NM, OR, or UT. AD&D coverage not available in AK, MD, ME, NH, NM, OR, UT, or WA. Please contact Member Benefits at 1-800-282-8626 for more information.

This plan is made available to you through membership in the American Association of Business Networking (ABN). An ABN membership is required to enroll in this Term Life plan. You can join the ABN during your Term Life plan enrollment. Learn more about the ABN here.

Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact Member Benefits at 1-800-282-8626 for costs and complete details.

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Individual Term Life
(coverage up to $10,000,000)

Individual Term Life

(for coverage amounts up to $10,000,000)

These fully underwritten individual term life insurance plans are offered by carriers rated A- (Excellent) or better by A.M. Best. Premiums are fixed over the course of the term and based on factors such as your age at the time you take out the policy, your overall health, gender and amount of coverage desired.

Recent term life insurance news.