MetLife
#3 in Life Insurance · Rated 4.5
Global insurer offering term, UL and whole-life options
MetLife is a longtime global life insurer with a broad product slate across term life, universal life and whole life. It maintains a substantial international footprint and a history of evolving product design, including underwriter flexibility and living-benefit riders. MetLife emphasizes accessible term products for affordability, permanent-life options for wealth and protection, and workplace solutions. While the company has faced underwriting pressures and market dynamics, its size and corporate stability have supported reliability in claims-paying and product availability across many jurisdictions. MetLife's strength lies in a broad product library, strong distribution, and a recognizable brand in global life protection.
Features
- Term Life Insurance
- Whole Life Insurance
- Universal Life options
- Living benefits and riders
- Workplace life protection
Pros
- Global brand with broad distribution
- Diverse product lineup including no-exam options in some markets
- Longstanding claims-paying history
Cons
- Underwriting and pricing can vary by market
- Some products restructured (e.g., Rapid Term Life discontinued)