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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

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The Truth in a Nutshell

  • Metropolitan Life Insurance Company (MetLife) currently only offers term and universal life insurance through businesses
  • Individual life insurance policies from MetLife are now handled by Brighthouse Financial
  • Metropolitan Life has superior financial ratings

The Metropolitan Life Insurance Company commonly knows as MetLife offers term and universal life insurance through employers. It also offers two different options for group universal life insurance.

Since Metropolitan Life Insurance Company life insurance quotes aren’t available online, it’s difficult to determine just how much does life insurance cost from MetLife.

Before you buy Metropolitan Life Insurance Company life insurance through your employer, shop around to see what other life insurance companies can offer you. Enter your ZIP code now to get term and universal life insurance quotes from multiple companies for free.

What products does the Metropolitan Life Insurance Company offer?

MetLife offers various types of insurance, including auto, home, health, and life insurance. However, the company now only offers life insurance through business, meaning you can’t get an individual policy.

The types of life insurance available through MetLife are:

  • Term life insurance
  • Group variable universal life
  • Group universal life

When it comes to term vs. whole life insurance, the length of your policy is one of the major differences. Although term life is generally the least expensive life insurance option, it is only good for a certain amount of time, and your rates go up after your term is over. Universal life is more expensive, but your rate doesn’t go up since it is a permanent policy.

Whether you can get affordable Metropolitan Life Insurance Company life insurance will depend on many factors, like your age, gender, and habits.

This table shows you an estimate of what your term life insurance costs with MetLife might be. Notice that as you age, your rates will go up.

MetLife Average Monthly Term Life Insurance Rates
Age of InsuredAverage Monthly Rates for $150,000 BenefitAverage Monthly Rates with $150,000 Benefit
25-years-old$8.70$8.70
35-years-old$11.70$11.70
45-years-old$18.30$18.30
55-years-old$50.40$50.40
65-years-old$202.50$202.50
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MetLife used to offer more insurance options for individuals. Those options have been transferred to Brighthouse Financial. Now you can only get specific Metropolitan Life Insurance Company life insurance rates and services through your employer.

Most employers only pay a portion of your insurance costs, so be aware that you may be responsible for at least a part of your MetLife insurance costs.

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What are the Metropolitan Life Insurance Company ratings?

A.M. Best rates companies based on how financially stable they are. The Metropolitan Life Insurance Company received an A+ rating, meaning it has a superior ability to meet its financial obligations.

MetLife received a B- rating from the Better Business Bureau and is not accredited. Most of the complaints against MetLife revolve around customer service, which can make customers leery.

What is the history of the Metropolitan Life Insurance Company?

MetLife has been in business since 1868, giving the company a long history that boosts customer confidence. The company offers insurance in all 50 states and several countries around the world.

The Metropolitan Life Insurance Company tower in New York serves as a landmark for the city and was once the tallest building in the world. It is still the headquarters of MetLife.

You can mail MetLife at:

200 Park Avenue

New York, NY 10166

The Metropolitan Life Insurance Company customer service can be reached at 1-800-638-5433. Claims can be filed online or over the phone. There is also a mobile app that allows you to access your account.

However, you can’t pay your bill online with a credit card. You must either be directly billed or pay with an electronic funds transfer.

Metropolitan Life Insurance Company: The Bottom Line

Whether or not you can find cheap Metropolitan Life Insurance Company life insurance will depend on your specific situation and your employer.

The good news is that you can look for life insurance outside of your employer. Now that you’ve finished this Metropolitan Life Insurance review, enter your ZIP code now to compare term and universal life insurance quotes from multiple companies near you today.