EMPLOVA BENEFITS

Life Insurance

Plan details2026–2027

METLIFE LIFE INSURANCE

Financial protection for the people who matter most.

Depending on your employer's benefit package, coverage may include employer-paid life insurance and optional voluntary life insurance.

MetLife MyBenefits
01

MetLife Advantages

  • Will preparation
  • Funeral assistance, discounts and planning
  • Retirement planning resources
  • Grief counseling
  • Beneficiary claims assistance
  • Estate resolution services
  • Life settlement account
02

Portability when coverage ends

Employees with supplemental life coverage or employer-paid group term life of $20,000 or more may have a portability option, subject to MetLife terms and deadlines.

Scroll to compare plan designs

METLIFE LIFE INSURANCE

Compare employer-paid and voluntary Life options.

Employers can select a Basic Life design, while employees may also have access to Supplemental Life and AD&D for themselves and eligible dependents.

10 +basic & voluntary options

EMPLOYER-PAID BASIC LIFE

Flat-dollar Basic Life + AD&D

Five employer-selected designs provide a fixed Basic Life amount with a matching AD&D benefit.

BenefitAmounts shown per plan
Life + AD&DFlat $10,000
Life + AD&DFlat $50,000
Life + AD&DFlat $100,000
Life + AD&DFlat $150,000
Life + AD&DFlat $250,000
Benefit formula
Flat benefit
Flat benefit
Flat benefit
Flat benefit
Flat benefit
Maximum / amount
$10,000
$50,000
$100,000
$150,000
$250,000
AD&D included
Yes
Yes
Yes
Yes
Yes
Active-at-work requirement
Required
Required
Required
Required
Required
Age reduction schedule
May apply
May apply
May apply
May apply
May apply
Beneficiary grief counseling
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Total Control Account
Claims $5,000+
Claims $5,000+
Claims $5,000+
Claims $5,000+
Claims $5,000+
Portability
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
Accelerated Benefits Option
See certificate*
Up to 80%
Up to 80%
Up to 80%
Up to 80%
Conversion
Available
Available
Available
Available
Available
Waiver of premium
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65

The Flat $10,000 source summary contains an Accelerated Benefits footnote but omits the full benefit section found in the other summaries. Confirm that feature in the applicable certificate.

EMPLOYER-PAID BASIC LIFE

Earnings-based Basic Life

Coverage can be tied to base annual earnings. The 3×/$600,000 Life-only design is distinct from the similarly named Life + AD&D design.

Benefit names
Earnings-based designs
Life-only design
BenefitAmounts shown per plan
Life + AD&D1× to $250K
Life + AD&D2× to $400K
Life + AD&D3× to $600K
Life + AD&D3× to $1M
Life only3× to $600K
Benefit formula
1× base annual earnings
2× base annual earnings
3× base annual earnings
3× base annual earnings
3× base annual earnings
Maximum / amount
$250,000
$400,000
$600,000
$1,000,000
$600,000
AD&D included
Yes
Yes
Yes
Yes
No
Active-at-work requirement
Required
Required
Required
Required
Required
Age reduction schedule
May apply
May apply
May apply
May apply
May apply
Beneficiary grief counseling
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Up to 5 sessions
Total Control Account
Claims $5,000+
Claims $5,000+
Claims $5,000+
Claims $5,000+
Claims $5,000+
Portability
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
$10,000–$2,000,000
Accelerated Benefits Option
Up to 80%
Up to 80%
Up to 80%
Up to 80%
Up to 80%
Conversion
Available
Available
Available
Available
Available
Waiver of premium
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65
9-month wait · to age 65

AD&D includes a covered-loss schedule and additional Air Bag, Seat Belt and Common Carrier benefits. The Life-only 3×/$600,000 design does not include AD&D coverage or its related provisions.

EMPLOYEE-PAID COVERAGE

Supplemental Life + AD&D

Employees can elect additional coverage for themselves and, when eligible, for a spouse or domestic partner and dependent children.

BenefitAmounts shown per plan
SupplementalEmployee
DependentSpouse / Domestic Partner
DependentDependent Child
Minimum election
$10,000
$5,000
$100 birth–15 days · $1,000 at 15 days–6 months
Election increments
$10,000
$5,000
$1,000 / $2,000 / $4,000 / $5,000 / $10,000
Maximum coverage
Lesser of 5× earnings or $500,000
$100,000 and no more than 50% of employee coverage
$10,000 from 6 months to age 26
AD&D option
Equal to elected Life amount
May equal elected Dependent Life
May equal elected Dependent Life
New-hire medical-information limitEnrollment within 31 days
Below $150,000
Below $50,000
No separate limit stated
Annual enrollment without medical information
Continue coverage or +1 increment, total ≤ $150,000
Continue existing coverage
Continue existing coverage
Employee coverage required
—
Yes
Yes
Effective-date requirement
Actively at work
Not confined or receiving / applying for disability
Not confined or receiving / applying for disability
Accelerated Benefits Option
Available
Available
Not available
Portability maximum
Up to $2,000,000
Up to $250,000
Up to $25,000
Waiver of premium
After 9 months of disability; plan conditions apply
Not available
Not available

Dependent children are generally eligible from birth to age 26; the summary states age 25 in Texas. Coverage, evidence-of-insurability rules and state variations remain subject to the official certificate.