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MetLife 2-9 Basic Life / Dependent Life

Employees value group life insurance as an essential part of their overall benefits program. By choosing MetLife, employers can help provide employees with comprehensive protection while controlling costs and administrative burden.

We look at group life insurance differently and consider an employer's entire benefits strategy while helping provide a group life program employees will appreciate.

More About MetLife 2-9 Basic Life

What's Available:

Term Life is a core benefit that employees have come to rely on. It's affordable coverage that helps provide financial protection for an employee or his loved ones in the event of premature death.

MetLife makes it easy for employers by offering a range of plan designs and features for employers with two to nine employees:

  • A conversion privilege that allows employees to maintain coverage through an individual life insurance policy without evidence of insurability
  • Accidental Death & Dismemberment (AD&D) coverage
  • Accelerated Benefit Option (ABO) if the need arises
  • Waiver of life insurance premiums in the event of total disability, enabling employees to continue coverage.
  • Dependent Life coverage to help employees protect against the potential financial burden caused by the loss of a spouse.

Basic Life Program Features for Groups with 2-9 Employees

MetLife 2-9 Basic Life and Dependent Life are available only when sold with MetLife 2-9 Dental.1

LIFE INSURANCE OPTIONS

  • Flat amount of coverage: $20,000, $30,000 or $50,000
  • Multiple of Salary:
    • 1 Times Annual Earnings up to $50,000
    • 1 Times Annual Earnings up to $100,000

CONTINUED DEATH BENEFIT
(In the event of Total
Disability for Basic Life)

Protection to age 65 (variations may be available for in force coverages)

EVIDENCE OF
INSURABILITY
Required for:

  • Groups with 2-4 employees
  • Groups with 5-9 employees with amounts in excess of the $20,000 non-medical maximum
  • Employees who were eligible under the prior plan, but did not elect coverage
  • Late enrollees (those employees in contributory plans who do not enroll within 31 days of their eligibility date)

DEPENDENT LIFE COVERAGE

  • Spouse: $2,000
  • Children:
    • 6 months — 21 years old: $2,000
    • 15 days — 6 months old: $100
  • Children's benefit does not cover children less than 15 days old (may vary by State)
  1. Requirement may not apply in all jurisdictions.

Like most group insurance policies, MetLife group life and accidental death and dismemberment policies contain certain exclusions, limitations, terms and conditions for keeping them in force. Please contact your Metlife Sales Representative for complete details and costs.

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