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MetLife Term Life Insurance Product Features

 

 

For Policy Owner Service 1-800-255-9448   For New Business Quotes 1-888-565-0159

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MetLife Investors USA Insurance Company -
GLT 10, 15, 20, 30 Product Features

State Approvals Available in all states except: ME NY (for NY see First MetLife Investors)VT

30 Year Term is not available in OR WA.

Type Guaranteed Level Term
Conversion Options For issue ages less than 65, the policy is convertible until the earlier of the end of the initial term period or the policy anniversary at the insured’s attained age 70. For issue ages 65 and over, the policy is convertible for the first five policy years. Conversion can be made to select MetLife enterprise permanent life products available to the producer at the time of conversion. There are no conversion credits.
Issue Ages Age Nearest Birthday

10 Year Term: 18 to 75
15 Year Term: 18 to 70
20 Year Term: 18 to 65
30 Year Term: 18 to 50

Face Amounts
Min/Max
$100,000 ($250,000 for Elite Plus Nonsmoker and Preferred Plus Nonsmoker risk classes)
Modal Factors Semi-annual = 0.53
Quarterly = 0.27
Monthly = 0.14
Policy Fee $69
Special Product
Features
Non-Convertible Disability Waiver of Premium (DW) - This rider waives all premiums on the base policy if the insured becomes totally disabled without interruption for at least six months. If the disability starts before the policy anniversary when the insured is age 60, and the disability continues without interruption to age 65, then all future premiums are waived. If the disability starts on or after the policy anniversary when the insured is age 60, but before the age 65 policy anniversary, the premiums are waived for three years or to the age 65 policy anniversary, whichever is later. The DW has a two-year “regular occupation” definition of disability and an “any occupation for which reasonably fitted” definition after two years. Issue age for the DW rider is 18-59. See applicable rider rate table for charges.

Convertible Disability Waiver of Premium (CDW) - Under this rider, when a GLT policy is converted to a new permanent policy, the new policy can include a DW rider without evidence of insurability provided a DW rider is in force on the term policy at that time, and that a DW rider is available on the new policy for the attained age and face amount being converted. If premiums on the policy are being waived by CDW at the time of conversion, or have been waived by CDW within the last two years prior to the conversion, the new policy must be a whole life plan issued by MetLife Investors USA Insurance Company, First MetLife Investors Insurance Company or a designated affiliate. See applicable rider rate table for charges.

Long-Term Care Guaranteed Purchase Option (LTC-GPO) - This rider gives the base policy’s primary insured the option to purchase an individual long-term care (LTC) policy at one of the set option dates or at the end of the guaranteed level premium payment period without any further underwriting. The rider benefit amount is the Daily Benefit Amount (DBA) that is purchased under the individual LTC policy. That amount is determined based on the state and zip code of the policy insured at the issue of the rider. The option dates are the base policy anniversaries when the insured is attained age 20, 25, 30, 35, 40, 45, 50, 55, and 60, but no sooner than the rider’s second anniversary. [For example: If the rider is issued at the insured’s age 43 then the first option date will be the anniversary at attained age 45 which is also the second anniversary. If the rider is issued at the insured’s age 44 then the first option date will be the anniversary at attained age 50.] In addition, Guaranteed Level Term will provide for an option date at the end of the policy’s initial term period (i.e. at the end of 10, 15, 20 and 30 years but not beyond the insured's age of 60). The rider may be exercised only once and that must take place no earlier than 60 days prior to an option date, and no later than 60 days after an option date. The rider is only available at time of issue. Check current information for state approvals. See applicable rider rate table for charges.

Acceleration of Death Benefit Rider (ADBR) - This rider provides a benefit to the policyowner if the insured is certified as terminally ill with no more than 12 months remaining to live. The rider gives the policyowner the right to request all or part of the eligible proceeds (but never less than $20,000 or more than the greater of 10 percent of the eligible proceeds or $250,000). There is no premium for this rider while it is in force, but accelerated payments are reduced by a discount factor and a $150 administrative fee. If a partial acceleration is elected, the remaining reduced policy must have a face amount of at least $100,000. ADBR can be added after policy issue upon state availability. Not available in Oregon. Check current information for state approvals.

 

MetLife Investors USA Insurance Company -
GLT 10, 15, 20, 30 Underwriting Guidelines
Classes Elite Plus Nonsmoker
Preferred Plus Nonsmoker
Standard Plus Nonsmoker
Preferred Smoker
Standard Nonsmoker and Smoker

Substandard with Table Ratings; Flat Extras available for certain additional risks

Re-entry  
Tobacco Definition Elite Plus Nonsmoker: No use of nicotine in any form in the past 48 months.
Preferred Plus Nonsmoker: No use of nicotine in any form in the past 48 months.
Standard Plus Nonsmoker: No use of nicotine in any form in the past 12 months
Special Underwriting
Features
Elite Plus Nonsmoker:

Tobacco: No use of nicotine in any form in the past 48 months.

Driving: No convictions for DUI/DWI in the last five years. No more than two moving violations in the last five years.

Substance Abuse: No history of alcohol or drug abuse or treatment.

Aviation: Any type of aviation available only with exclusion rider. Commercial pilots are acceptable.

Residence: United States or Canada as permanent residence.

Foreign Travel: No ratable travel.

Personal Health History: No history or treatment of diabetes, cancer (except basal cell carcinoma), cardiovascular disease, or other significant health problems; no flat extra.

Avocation: No ratable hazardous avocations, or available only with exclusion rider.

Blood Profile: Within normal limits.

Cholesterol: Ages 15-44: 200 or less; Ages 45+: 210 or less; Cholesterol/HDL 4.5 or less. Current medication OK if acceptable level maintained at least 12 months.

Blood Pressure: Ages 15-44: 130/80 or less; Ages 45+: 135/85 or less No use of medication to reduce blood pressure within last 12 months.

Family History: No onset CAD, CVD, DM or PVD under age 65.

Flat Extra: None.

Preferred Plus Nonsmoker:

Tobacco: No use of nicotine in any form in the past 48 months.

Driving: No convictions for DUI/DWI in the last five years. No more than two moving violations in the last three years.

Substance Abuse: No history of alcohol or drug abuse or treatment.

Aviation: Any type of aviation available only with exclusion rider. Commercial pilots are acceptable.

Residence: United States or Canada as permanent residence.

Foreign Travel: No ratable travel.

Personal Health History: No history or treatment of diabetes, cancer (except basal cell carcinoma), cardiovascular disease, or other significant health problems; no flat extra.

Avocation: No ratable hazardous avocations, or available only with exclusion rider.

Blood Profile: No elevation of LFTs.

Cholesterol: Ages 15-44: 220 or less; Ages 45+: 240 or less; Cholesterol/HDL 5.0 or less. Current medication OK if acceptable level maintained at least 12 months.

Blood Pressure: Ages 15-44: 140/85 or less; Ages 45+: 140/90 or less No use of medication to reduce blood pressure within last 12 months.

Family History: No onset CAD, CVD, DM or PVD under age 65.

Flat Extra: None.

Standard Plus Nonsmoker:

Tobacco: No use of nicotine in any form in the past 12 months.

Driving: No convictions for DUI/DWI in the last five years. No more than two moving violations in the last three years.

Substance Abuse: No history of alcohol or drug abuse or treatment during the last 10 years.

Aviation: Available with flat extra premium or exclusion rider.

Residence: No ratable residence.

Foreign Travel: No ratable travel.

Personal Health History: No history or treatment of cancer (except basal cell carcinoma) or cardiovascular disease within the last 10 years; no diabetes (except gestational); flat extra acceptable.

Avocation: Available with flat extra premium or exclusion rider.

Blood Profile: No elevation of LFTs.

Cholesterol: Ages 15-44: 250 or less; Ages 45+: 250 or less; Cholesterol/HDL 6.0 or less. Current medication OK.

Blood Pressure: Ages 15-44: 140/90 or less; Ages 45+: 145/90 or less. Current medication OK.

Family History: No onset CAD, CVD, DM, or PVD under age 60.

Flat Extra: No medical reason.

Consumer Reports: Personal history interviews:

Face Amount $100,000 - $1,000,000:
Using data from the life application we will identify and select cases electronically that will require a risk-based personal history telephone interview to be conducted.

Face Amount $1,000,001 - $5,000,000:
Personal history telephone interviews are conducted for all applications. Completion of the Personal Financial Supplement found in the application packet is also required.

Face Amount Over $5,000,000:
An inspection report from one of our service companies is requested. You may order this directly or through the home office; indicate your preference on the New Business transmittal form. To request an inspection report directly, call First Financial Underwriting Services at 800-570-3477.

Financial Statements: See above. Also, please provide a cover letter explaining the purpose of the coverage and how you determined the amount of insurance. The underwriter may request additional information.


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Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for:
Alabama - AL,  Arkansas - AR,  California - CA Colorado - CO Connecticut - CT Delaware - DE District of Columbia - DC,  Florida - FL, Georgia - GA Idaho - ID Illinois - IL Indiana - IN Iowa - IA Kansas - KS Kentucky - KY Term quotes for: Louisiana - LA,  Maine - ME Maryland - MD Massachusetts - MA,  Michigan - MI Mississippi - MS Missouri - MO,  Montana - MT Nebraska - NE New Mexico - NM, New Jersey - NJ New York - NY,  North Carolina - NCTerm quotes for: North Dakota - ND,  Ohio - OH Oklahoma - OK Pennsylvania - PA, Rhode Island - RI South Carolina - SC,  South Dakota - SD,  Tennessee - TN Term quotes for: Texas - TX,  Utah - UT Vermont - VT Virginia - VA, and Wisconsin - WI.  


Not all term product quotes from all term companies quoted are available in all states.

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