Term Life Insurance

Term Life Insurance features temporary, cost-effective coverage with the opportunity to change should your needs change.

Term Life Insurance provides a cost-effective solution for your temporary life insurance needs and gives you the flexibility to change your policy should your temporary needs turn into permanent goals.

Term Life Insurance is right for you if you want:

• An affordable way to get maximum coverage
• To cover specific financial responsibilities like a mortgage or college expenses
• To supplement your Permanent Life Insurance during periods when coverage needs are higher, such as family-building, mortgage-paying years

Some things to consider about Term Life Insurance:

• There is no cash value accumulation
• Continuing your coverage after the initial level premium-paying term expires can be very expensive

Your MetLife representative can help you determine whether term life insurance makes sense for you and your family.

You might also consider a type of Permanent Life:

• Whole Life Insurance for permanent coverage, with guaranteed premiums, death benefits and cash value growth.
• Universal Life Insurance for permanent coverage, flexibility and less emphasis on cash value
• Variable Universal Life Insurance for permanent coverage, potentially higher cash value through investment options, but you accept some risk

Like most insurance policies, MetLife’s policies contain withdrawal charges, limitations, exclusions, holding periods, termination provisions, and terms for keeping them in force. Contact your MetLife representative for complete costs and details.

Permanent insurance offered by Metropolitan Life Insurance Company. Guaranteed Level Term insurance is issued in New York state only by First MetLife Investors Insurance Company, 200 Park Avenue, New York, NY 10166, and in all other states by MetLife Investors USA Insurance Company, 5 Park Plaza, Suite 1900, Irvine, CA 92614 under policy form #5E-21-04, all members of the MetLife family.