METLIFE GROUP LIFE AND AD&D
MetLife group life insurance for small businesses
Life insurance for your employees, with accident coverage (AD&D) included and no medical exams. Cover a team of 10 for about $25 a month*.
✓ No medical exams
✓ Rates locked for 24 months
✓ For businesses with as few as two employees
*Example: $50,000 of basic life with AD&D for each employee. Your rate depends on your group.
Get your life insurance quote
GROUP LIFE PLAN CHOICES
Two ways to cover your team
Offer basic life, supplemental life or both. You don’t need basic life to offer supplemental.
Your quote shows the exact amounts and rates for your group.
Price Example: $50,000 of basic life with AD&D for each of 10 employees costs about $25 a month in total. Your rate depends on your group.
HOW IT WORKS
Get set up in three steps
1. Enter your information to start your quote.
2. Pick your coverage and decide how the premium is paid.
3. Complete your enrollment application online. It takes about 20 minutes.
Who can apply?
• Businesses with as few as two full-time employees. The owner counts as one.
• Coverage starts on the 1st of any month. Apply at least 2 weeks before the date you want.
• Each policy runs 12 months, and your rates are guaranteed for your first 24 months.
FREQUENTLY ASKED QUESTIONS
Questions employers often ask about group life insurance
No. Supplemental life is paid by employees, so it costs your business nothing. You can also pay for basic life for everyone, or offer both.
No. Neither basic nor supplemental life requires an exam. Employees who choose more than $100,000 of supplemental life answer a health questionnaire, and MetLife approves the extra amount.
AD&D stands for accidental death and dismemberment. It’s included with both basic and supplemental life, and the AD&D benefit equals the life benefit.
Yes, with supplemental life. A spouse can be covered for up to $25,000, and no more than half the employee’s own amount. Children can be covered for $1,000 to $10,000. Neither needs to answer health questions.
Basic life reduces by 35% at age 65 and 50% at age 70. Supplemental life doesn’t reduce with age.
They can convert their life insurance to an individual policy.
Yes. Owners, partners and proprietors are eligible if they meet the same requirements as other employees.
You may be able to deduct what your business pays toward premiums, and employer-paid coverage up to $50,000 is generally not taxed as income to the employee. Check with your tax advisor.
We’ll contact you before your policy term ends to review renewal. Your rates stay guaranteed through your first 24 months.
WHY METLIFE?
Simple setup.
Minimal admin.
Real support.
A leader in non-medical group benefits, with service built for small businesses.
90% +
of plans set up in under 7 business days
96%
of employees satisfied with the claims experience
99%
employer satisfaction
24/7
online access to self-service portal
START HERE
Ready to see what life insurance costs for your team?
✓ No medical exams
✓ Rates locked for 24 months
✓ Enroll in less than 20 minutes
Call for a quote: 855-901-5565
This page is a summary, not a statement of benefits or rates, and it does not guarantee coverage. Like most group life insurance policies, these plans have exclusions, limitations and reductions of benefits set out in the plan documents. Rates vary by group. Group life insurance is underwritten by and offered through MetLife.
No medical exams
Basic life covers every eligible employee for the full amount, with no health questions.
Rates locked for 24 months
Your basic life rate won’t change for two years. Supplemental life rates are set by age band, and the rate table is guaranteed for the same two years.
Fast online enrollment
Enroll online in under 20 minutes. Or, simply get your free quote with no obligation to enroll.
Want to cover everyone?
Basic life is paid by your business and gives every eligible employee the same flat amount, with AD&D included.
No benefits budget yet?
Offer supplemental life as a voluntary plan. Employees choose their amount and pay the premium at group rates, and your business pays nothing.
Want both?
Pay for basic life, and let employees buy more on top for themselves and their families.