All Products > Standard Issue Term Life Insurance
Standard Issue Term Life Insurance
A benefit of up to $2 million for members age 74 and under.
Get started with MetLife Standard Issue Term Life Insurance:
Speak with a USI Affinity representative at
1-855-874-0264

Have you done enough to help ensure your family's financial security?

MetLife Term Life insurance provides affordable coverage at a competitive rate. Having enough life insurance protection is important because in the short term, you want to meet your financial obligations if something should happen to you prematurely. And, because in the long run, you would want your family to be able to continue on with their lives as planned.

Plan at a Glance:
  • Members* age 74 and under can apply for coverage up to $2.0 million as follows1:
    • If under age 60, up to a maximum of $2,000,000
    • For ages 60-64, up to a maximum of $1,320,000
    • For ages 65-69, up to a maximum of $920,000
    • For ages 70-74, up to a maximum of $600,000
  • 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.
  • Your spouse/domestic partner, age 74 and under can apply for coverage up to $500,000.2
  • Coverage available for unmarried, dependent children (6 months to age 19, 25 if full-time student) for $25,000.2
  • Typically no medical exam3 for:
    • Members age 40 or under applying for up to $500,000
    • Members age 41 - 49 applying for up to $150,000
    • Members age 50 - 64 applying for up to $100,000
  • Valuable built-in features including:
    • Accelerated Benefits Option: 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 $500,000.4
    • Automatic Benefit Increase - You and your spouse may increase your original life benefit by 10% a year for up to 10 years without medical evidence of insurability. 5
Rates at a Glance:
Supplemental Term Life Insurance Rate Chart
Age Coverage Amount
  $500,000 $1,000,000 $2,000,000
  Smoking Non-Smoking Smoking Non-Smoking Smoking Non-Smoking
< 30 $162.00 $88.00 $324.00 $176.00 $648.00 $352.00
30-34 $189.00 $112.00 $378.00 $224.00 $756.00 $448.00
35-39 $288.00 $184.00 $576.00 $368.00 $1,152.00 $736.00
40-44 $432.00 $272.00 $864.00 $544.00 $1,728.00 $1,088.00
45-49 $801.00 $472.00 $1,602.00 $944.00 $3,204.00 $1,888.00
50-54 $1,341.00 $800.00 $2,682.00 $1,600.00 $5,364.00 $3,200.00
55-59 $1,908.00 $1,368.00 $3,816.00 $2,736.00 $7,632.00 $5,472.00
All rates are displayed as semi-annual.

Learn more
Download our FAQ's for more details on Standard Issue Term Life Insurance.
Get started today:
If you have any questions, please call us at 1-855-874-0264
Administered by:
Underwritten by:
Find Your Rate
Enter the information below to get your semi-annual rate
(All fields required)
Are you a smoker?
Age
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

1-855-874-0264