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Privacy Policy

All the information you need for making a claim is below.  Use the checklists to make sure you submit the right documents; all forms can be downloaded.  Have questions?  Contact us. 

Online privacy Policy

The companies in the MetLife, Inc. family (collectively, “MetLife”) recognize the importance of protecting all information that you, our online visitor, may choose to provide to us. To further this commitment, we have adopted this Online Privacy Policy to tell you how we collect, store, and use the information you provide to us online. Besides this Online Privacy Policy, we also have other more general privacy policies that may apply to you as a MetLife consumer or customer.

Online Privacy Policy FAQs
What information does this Online Privacy Policy cover?

It depends on the type of life insurance policy. MetLife offers Guaranteed Acceptance Whole Life Insurance, which is guaranteed acceptance-no medical questions or health exam.For most other MetLife products, your health does affect the price. Depending on your health status, MetLife will offer you a fair price for the risk that they take on when providing you with coverage (assuming you qualify for coverage). For example, there will be a difference in policies for someone who is a heavy smoker compared to the same person who has never smoked. Also, for MetLife's Simplified Issue Term Life Insurance, your health affects whether you qualify for coverage or not, but does not affect the price.

What types of personal information does MetLife collect about me, an online visitor?

Permanent life insurance is protection for your entire life, as long as sufficient premiums are paid. Properly structured and maintained permanent life insurance builds equity in the form of cash value which you can use as you see fit. There are many different options and flexible policies to choose from to suit your needs (whole, variable, and universal life, to name a few.)

How is my personal information used and shared?

The two main types of life insurance are term life insurance, which offers coverage that may be purchased for a specific time period, and permanent life insurance, which offers protection for an entire lifetime. MetLife offers a number of affordable term life insurance products and several types of permanent life insurance, including whole life insurance, universal life insurance, variable universal life insurance, and survivorship life insurance

What choices do I have about the collection, use, and sharing of my personal information?

It depends. The period of time you'll need coverage for should be the main factor. For example, if you have young children, you may want to consider 20 or 30 years of term life coverage to help your children for college or other future financial endeavors. On the other hand, if your children are out of college and supporting themselves, a shorter coverage period might suit your needs better.

What kinds of security measures does MetLife take to safeguard my personal information?

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses

How can I update my personal information?

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses

How can I ask questions, or send comments to MetLife, about this Online Privacy Policy?

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses

How will I know if MetLife amends this Online Privacy Policy?

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses

Customer Privacy Policy

The companies in the MetLife, Inc. family ("MetLife") strongly believe in protecting the confidentiality and security of information we collect about individuals. The material below describes our privacy policy and describes how we treat the information we receive about you if you become a current or former MetLife customer, or apply for any of our products or services.

Customer Privacy Policy FAQ
What information does this Online Privacy Policy cover?

It depends on the type of life insurance policy. MetLife offers Guaranteed Acceptance Whole Life Insurance, which is guaranteed acceptance-no medical questions or health exam.For most other MetLife products, your health does affect the price. Depending on your health status, MetLife will offer you a fair price for the risk that they take on when providing you with coverage (assuming you qualify for coverage). For example, there will be a difference in policies for someone who is a heavy smoker compared to the same person who has never smoked. Also, for MetLife's Simplified Issue Term Life Insurance, your health affects whether you qualify for coverage or not, but does not affect the price.

What types of personal information does MetLife collect about me, an online visitor?

Permanent life insurance is protection for your entire life, as long as sufficient premiums are paid. Properly structured and maintained permanent life insurance builds equity in the form of cash value which you can use as you see fit. There are many different options and flexible policies to choose from to suit your needs (whole, variable, and universal life, to name a few.)

How is my personal information used and shared?

The two main types of life insurance are term life insurance, which offers coverage that may be purchased for a specific time period, and permanent life insurance, which offers protection for an entire lifetime. MetLife offers a number of affordable term life insurance products and several types of permanent life insurance, including whole life insurance, universal life insurance, variable universal life insurance, and survivorship life insurance

What choices do I have about the collection, use, and sharing of my personal information?

It depends. The period of time you'll need coverage for should be the main factor. For example, if you have young children, you may want to consider 20 or 30 years of term life coverage to help your children for college or other future financial endeavors. On the other hand, if your children are out of college and supporting themselves, a shorter coverage period might suit your needs better.

What kinds of security measures does MetLife take to safeguard my personal information?

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses

How can I update my personal information?

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses

How can I ask questions, or send comments to MetLife, about this Online Privacy Policy?

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses

How will I know if MetLife amends this Online Privacy Policy?

Term life insurance is life insurance coverage designed to be purchased for a specific time period, typically between 10 and 30 years. Term life insurance is an affordable way to get maximum coverage throughout that time frame, and so is great for helping to cover specific financial responsibilities, such as paying for a mortgage or saving for college expenses

Sources for Gathering Additional Information

There are additional sources MetLife may use to get more information.

The MetLife family of companies ("MetLife") receives information concerning individuals who apply for or obtain products or services from us. MetLife uses this information only for business purposes. These business purposes include administering our products, processing requested transactions and claims, and evaluating requests for insurance, banking and other products and services we offer.

What we know about you (and, if you’re buying insurance from us, what we know about anyone else to be insured) we get mostly from you. But we may also have to find out more from other sources in order to make sure that what we know is correct and complete. Those sources may include adult relatives, employers, consumer reporting agencies, health care providers and others. Some of our sources may give us reports and may disclose what they know to others. We may ask for medical information about you from these sources. If you applied to us for insurance, the "Authorization" that was signed when you applied permits these sources to tell us about you. So we may, for instance, at our expense:

  • Ask for a medical exam
  • Ask for blood and urine tests
  • Ask health care providers to give us health data, including information about alcohol or drug ab

We may also ask a consumer reporting agency for a "consumer report" about you (or anyone else to be insured). Consumer reports may tell us about a lot of things, including information about:

  • Mode of living
  • Reputation
  • Work and work history
  • Driving Record
  • Finances
  • Any dangerous sports activity
  • If we ask an agency for an "investigative" report about you – which means that they will ask others about you – we will ask them to contact you as well.

The information may be kept by the consumer reporting agency and later given to others as permitted by law. The agency will give you a copy of the report it provides to us, if you ask the agency and can provide adequate identification. If you write to us and we have asked for a consumer report about you, we will tell you so and give you the name, address and phone number of the consumer reporting agency.

One commonly used source of information is MIB Group, Inc. ("MIB"). It is a nonprofit association of life insurance companies. We and our reinsurers may give MIB health or other information about you. If you apply for life or health coverage from another member of MIB, or claim benefits from another member company; MIB will give that company any information that it has about you. If you contact MIB, it will tell you what it knows about you. You have the right to ask MIB to correct its information about you.

You may do so by writing to MIB, Inc., P.O. Box 105, Essex Station, Boston, MA 02112, by calling MIB at (866) 692-6901 (TTY (866) 346-3642 for the hearing impaired), or by contacting MIB at www.mib.com

Opting Out of Information Sharing

Federal law gives you the right to limit how we share your personal information for marketing purposes among MetLife's family of companies. "Personal information" includes information about your income, account history, or credit worthiness.

  • The MetLife family of companies includes businesses operating under the brand names:
  • MetLife®(insurance and securities)
  • Metropolitan®(insurance)
  • MetLife Auto & Home®
  • General AmericanSM
  • New EnglandSM(insurance)
  • Hyatt Legal PlansSM

By opting out, you are instructing MetLife companies not to share your personal information with their affiliates – or unaffiliated business partners as part of a joint marketing arrangement – for marketing purposes. You are also instructing MetLife not to share your personal information with your Representative if he/she leaves MetLife or moves to another Firm. If your MetLife policy or account is jointly owned with one or more other people, you can opt out for one or all of them.

Even if you opt out, however, any MetLife company fortunate enough to have you as a customer may continue to send you information about products or services offered by any of our affiliated or unaffiliated companies. Your agent may also continue to tell you about other products or services that may help you achieve your financial goals. 

We will honor your opt out choices unless you instruct us to change them. So, if you already opted out, you don't need to act again. 

You may opt out online or download our Customer Opt Out Form in PDF format.