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Business Overhead Expense Insurance
Don't let a disability disable your business.
Get started with MetLife Standard Issue Business Overhead Expense Insurance
Talk to a representative at USI Affinity at 1-855-874-0264

The MetLife Standard Issue Business Overhead Expense insurance plan can help keep your business up and running should you become disabled under the terms of the policy. It can help pay your share of many of your firm's overhead expenses, including office rent, employees' salaries, insurance premiums, utility bills, premiums for business and malpractice insurance and accountant's fees.

Plan at a Glance:
  • Available to members* under age 65 who work full time (at least 30 hours per week) may apply for up to $15,000 in $100 increments with a $500 minimum.
  • Renewable to age 75.
  • Premiums waived during a covered disability if you receive disability benefits for six consecutive months.
  • Benefit Duration Period of 12 months or 24 months.
Rates at a Glance:
Standard Issue Business Overhead Expense Insurance Rate Chart
Coverage Amount
  $5,000 $10,000 $15,000
< 40 $114.00 $228.00 $342.00
40-44 $129.00 $258.00 $387.00
45-49 $189.00 $378.00 $567.00
50-54 $273.00 $546.00 $819.00
55-59 $432.00 $864.00 $1,296.00
60-64 $576.00 $1,152.00 $1,728.00
Rates are unisex.
Rates are not fixed but will adjust when insured reaches a new age bracket.
Rates are based on 24 month duration period.
All rates are displayed as semi-annual.
Learn more
Download our FAQ's and exclusions and limitations for more details on Standard Issue Business Overhead Expense Insurance.
Get started today:
If you have any questions, please call us at 1-855-874-0264
Find Your Rate
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Age
Benefit Duration
Coverage Amount
Semi-annual = $XX.XX
Premium amounts for other payment frequencies:
Monthly = $XX.XX
Quarterly = $XX.XX
Annual = $XX.XX

PLEASE NOTE: The plan is available in all states except AK, CA, FL, HI, ME, MT, NH, NM, OR, SD, TX, WA

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Talk to a representative at USI Affinity about these MetLife products:
  • Term Life Insurance
  • Long Term Disability Insurance
  • Business Overhead Expense Insurance
  • Accidental Death and Dismemberment (AD&D) Insurance
  • Dental Insurance
  • Vision Insurance

1-855-874-0264