Life can be unexpected. That's why we offer benefits to protect and support you no matter where life leads you. From accident and health to legal, pet, dental, and vision insurance - we've got you covered.

You may have questions about your Whole Life policy, and we want to help you get the answers you need. If the information below doesn't address your questions, or if you need additional help, please contact us.

In the event of your passing, life insurance provides money directly to the individuals you select - your beneficiaries - who can use the money as they see fit, including: Replacing lost income. Covering basic living expenses. Paying household debts, estate taxes, and funeral expenses.

Whole life insurance guarantees payment of a death benefit to beneficiaries in exchange for level, regularly-due premium payments. The policy includes a savings portion, called the “cash value,” alongside the death benefit.

MetLife is a reputable insurance company that has an A+ (Superior) rating from AM Best, one of the nation's leading insurance-rating organizations, as well as solid scores from S&P and Moody's. The good scores are a reflection of MetLife's financial strength and claims-paying ability.

MetLife in Focus Looking at dividend growth, the company's current annualized dividend of $2.08 is up 5.1% from last year. Over the last 5 years, MetLife has increased its dividend 5 times on a year-over-year basis for an average annual increase of 4.44%.

Whole life insurance has several variations, including limited payment, modified, single-premium, and variable whole life. Different types offer alternative payment options or investment methods.

Each beneficiary needs to submit a claim form in order to get paid. We'll pay each beneficiary their proceeds separately as we receive the required claim documents from each of them. We don't require all beneficiaries to make a claim before making payment to each individual.

MetLife Optional Term Life Insurance Rates

Whole life insurance has several variations, including limited payment, modified, single-premium, and variable whole life.

3. Whole life insurance offers

• Level premiums - The premiums you pay remain the same for the life of your policy, regardless of your age or health.
• Death benefits - Your beneficiaries receive the face amount of the policy upon your death.
• Cash value - Your cash value will grow each year, tax-deferred.

Solid Investment Performance: In Fitch's view, MetLife's investment portfolio has above-average risk, driven primarily by higher allocations to below-investment-grade fixed-income securities and alternative investments.