February, 26 2017

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MetLife Life Insurance Review 2016

MetLife Life Insurance Review 2016

Author
  • Price
  • Underwriting
  • Financial Rating

MetLife Life Insurance Review 2016

 

Pros:  MetLife continually ranks as the #1 life insurance in America in sales and total assets.  Financial strength- MetLife is A+ (Superior) rated by A.M. Best (second highest of 16 possible ratings) and they are one of the most well-known insurance companies in the world in 2016.

Cons:  Their prices are competitive but not the rock-bottom lowest.

Bottom Line:  MetLife is the largest life & health insurer in America.  They have a superior financial rating and have been providing quality life insurance since before the turn of the century.  While there are other life insurances companies out there with lower rates and more favorable underwriting guidelines, MetLife typically ranks up at the top for brand recognition and trust.  We recommend you receive a quote from MetLife and also from the nation’s other top life insurers and choose the best one.

*Update- Similar to AIG (American General), MetLife recently lowered their rates making them one of best priced companies on the market for certain niches; such as younger, healthy people.

 

About

Type: Public- (MET) NYSE

Underwriter: Metropolitan Life Insurance Company

Founded: 1868

Website: metlife.com

Phone: (877) 468-5207

Address: 200 Park Ave #12, New York, NY 10166

A.M Best Rating 2016: A+ (Superior) second highest of 16 possible ratings

Comdex Ranking: 94 out of 100

BBB Rating: B

Products: Term Life, Universal Life, Whole Life, Final Expense, Simplified Issue (No Medical Exam)

Competition: American General Life (AIG), New York Life, Northwestern Mutual, Banner Life, Protective Life, MassMutual, Primerica, Pacific Life Insurance, North American Co, Lincoln National Life, ING-Voya Financial, Transamerica, Prudential, Midland National Life, Cincinnati Life, Mutual of Omaha, John Hancock, PennMutual, Principal, TIAA-CREF, Assurant, Genworth,  Lincoln Financial Group, SBLI, State Farm, Farmers, Allstate, Nationwide, Aflac, American Family Life Insurance, ANICO, Allianz Life Insurance Company, Security Mutual Life, Fidelity & Guaranty Life, Grange Life Insurance Company, Symetra Life Insurance Company, , Guardian, OneAmerica, Minnesota Life, RiverSource, Allianz Life Insurance Company, Thrivent Financial for Lutherans, AAA, Erie, Sagicor, Amica, Assurity, Colonial Penn, AARP, Globe Life, Ohio National Life Group, , EMC National Life, Motorists Life, Pan-American Life, National Life Group, American Family, Shelter, HoraceMann, Group Life Insurance, Supplemental Life Insurance, Assurant, Aetna, Cigna, United Health Group.

 

How Does MetLife’s Prices Compare to the Competition?

Sample rates for a 50-year old male on a 20-year term at the preferred plus class (updated 2016):

AmountSBLI (A+)Mutual of Omaha (A+)AIG (A)MetLife (A+)
$250k$46.54$46.38$46.41$47.84

 

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Summary
Review Date
Reviewed Item
MetLife Life Insurance Company
Author Rating
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