MetLife’s TV advertisements and website feature Snoopy, the familiar character from Charles Schultz’ Peanuts comic strip. At a first glance, a taciturn dog might not seem like the ideal choice for an insurance provider’s spokesperson. But after some time with MetLife, we think the no nonsense dog captures the provider’s philosophy fairly well—MetLife makes gettinglife insurance a straightforward and painless affair. Our TopTenREVIEWS Gold Award winner is so easy that even a smarter-than-average dog could manage.
Standout Features
- Variety of individualized insurance plans
- Annuity offerings, retirement planning and estate management
- Online life insurance quotes
- Comprehensive insurance packages for businesses
Policy Benefits and Flexibility: 
MetLife’s premiums are routinely lower than the competition’s. This is true across the board for smokers, the elderly and families, but their premiums stand out as the best bargain most for term life insurance. MetLife’s term insurance covers policy holders for a specific period of 10, 15, 20 or even 30 years. In the event of a policyholder’s death, MetLife pays out a death benefit to the beneficiaries of the policy. MetLife term life insurance covers anywhere from a few thousand dollars up to multiple millions—the payout potential of term insurance with MetLife increases with higher premiums.
The primary advantage of MetLife’s whole life insurance policies centers on the cash value growth potential. Premiums are considerably higher than for term life insurance but are guaranteed not to increase. Whole life insurance includes a death benefit payout and the possibility of dividends which add to the value of the policy.
MetLife has two different universal life insurance policies—universal and variable universal. Both policy types feature lifetime coverage, cash value and income replacement payouts for beneficiaries. Ultimately, the variable universal life insurance policy functions as a financial investment as well as life insurance coverage. Variable universal life insurance accrues cash value as incorporated stocks and bonds mature. Both universal life policies are flexible in terms of premiums and cash withdrawal, however, the variable policy is slightly more risky as it is tied to the fluctuations of the market.
Survivorship insurance covers a couple and pays out death benefits regardless of who passes first. MetLife offers competitive premiums and long term care options with their survivorship life insurance.
The primary advantage of MetLife’s whole life insurance policies centers on the cash value growth potential. Premiums are considerably higher than for term life insurance but are guaranteed not to increase. Whole life insurance includes a death benefit payout and the possibility of dividends which add to the value of the policy.
MetLife has two different universal life insurance policies—universal and variable universal. Both policy types feature lifetime coverage, cash value and income replacement payouts for beneficiaries. Ultimately, the variable universal life insurance policy functions as a financial investment as well as life insurance coverage. Variable universal life insurance accrues cash value as incorporated stocks and bonds mature. Both universal life policies are flexible in terms of premiums and cash withdrawal, however, the variable policy is slightly more risky as it is tied to the fluctuations of the market.
Survivorship insurance covers a couple and pays out death benefits regardless of who passes first. MetLife offers competitive premiums and long term care options with their survivorship life insurance.
Additional Services: 
MetLife’s exceptional life insurance offerings only represent a fraction of the services they provide. For clients more interested in retirement than death benefits, MetLife provides a series of annuities that guarantee payouts for life. The specific conditions, much like those associated with MetLife life insurance, are tied to a single payment, market fluctuations or cumulative value of payments made into the annuity account. Depending on your future plans, you’ll probably want to select from MetLife’s deferred annuities, immediate annuities or IRAs.
More traditional financial planning options can be addressed with MetLife too. MetLife financial planners can help you manage retirement funds, mutual funds, home loans and savings accounts. For small business owners, MetLife can reduce the headaches associated with configuring and maintaining employee benefits. MetLife’s employee benefits services include disability, dental, auto, home, catastrophic and life insurance.
More traditional financial planning options can be addressed with MetLife too. MetLife financial planners can help you manage retirement funds, mutual funds, home loans and savings accounts. For small business owners, MetLife can reduce the headaches associated with configuring and maintaining employee benefits. MetLife’s employee benefits services include disability, dental, auto, home, catastrophic and life insurance.
Customer Support:
Insurance is designed to protect us from disasters, unforeseen catastrophes, family crises and financial hardship. That’s why it is critical that an insurance company have competent and responsive support staff. Happily, MetLife provides a superior customer service experience. Representatives and agents are responsive and available on a local level as well as centrally via telephone and email. For international businesspeople and individuals, MetLife offices and support are available worldwide.
Summary:
From humble origins after the American civil war, MetLife has managed to craft a financial empire that spans the globe. With personalized service, a wide variety of services and the reputation of a trusted name, it’s not hard to see why MetLife continues to gain customers. Add the fact that their premiums are frequently lower than their competitors’ and it’s easy to see why we ranked MetLife as the best life insurance provider.
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