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One-Step Express Term Life Insurance
A quick 5-question application process for members 59 and under.1
Apply for up to $250,000 if you're 39 or under; or up to $100,000 if you're age 50 - 59.
Get started with MetLife One-Step Express Term Life Insurance:
Speak with a USI Affinity representative at

We can help you get the extra life insurance you need at member* rates.

With One-Step Express, there's a way to apply affordable Term Life insurance easily and quickly. You and your spouse/domestic partner will only need to answer a few medical questions.1

Plan at a Glance:
  • Members and their spouse/domestic partner (up to age 59) qualify for a simplified application process (with just 5 medical questions).1
    • Apply for up to $250,0002 for those age 39 and under
    • Apply for up to $150,0002 for those age 40 - 49
    • Apply for up to $100,0002 for those age 50 - 59
  • Just answer five medical questions and, if no additional medical information is needed, you're done.
  • Coverage continues up to age 85 and can't be cancelled as long as you pay your premiums on time and the group policy remains in effect.3
  • Coverage available for spouses/domestic partners.4
  • Coverage available for unmarried, dependent children (6 months to age 19, 25 if full-time student) for $25,000.3
  • Valuable built-in features including:
    • Accelerated Benefits Feature - If you or your spouse are diagnosed with 24 months or less to live, you may receive up to 80% of your benefit, to a maximum of $500,000.5
Rates at a Glance:
Supplemental Term Life Insurance Rate Chart
Age Coverage Amount
  $100,000 $150,000 $250,000
  Smoking Non-Smoking Smoking Non-Smoking Smoking Non-Smoking
< 30 $37.80 $22.40 $56.70 $33.60 $94.50 $56.00
30-34 $43.20 $25.60 $64.80 $38.40 $108.00 $64.00
35-39 $66.60 $40.00 $99.90 $60.00 $166.50 $100.00
40-44 $100.80 $62.40 $151.20 $93.60 N/A N/A
45-49 $183.60 $107.20 $275.40 $160.80 N/A N/A
50-54 $304.20 $184.00 N/A N/A N/A N/A
55-59 $433.80 $310.40 N/A N/A N/A N/A
All rates are displayed as semi-annual.

Learn more
Download our FAQ's for more details on One-Step Express Term Life Insurance.
Get started today:
If you have any questions, please call us at 1-855-874-0264
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Find Your Rate
Enter your information below to view your semi-annual rate. Then enter your spouse/domestic partner's information for their rate.
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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, ME, MT, OR, SD, WA

MetLife respects your privacy.
Start Protecting Your Future Today
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