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Other Permanent Life Insurance


We offer several types of permanent life insurance policies with flexibility and guaranteed lifetime protection to help meet your needs. 


Universal Life Insurance


Universal life insurance policies provide the flexibility to build your policy's cash value or focus more on guaranteed protection.


Choose from two policy designs:


  • Guaranteed Protection lets you choose the length of the protection guarantee and the premium payment schedule up front-both are then guaranteed not to change so long as the premiums are paid as planned.
  • Cash Accumulation allows you to change, within limits, your premium payments and death benefit. It also allows you to set aside additional money in a tax-deferred way to help you meet long-term financial goals.  


SURVIVORSHIP LIFE INSURANCE


Sometimes called second-to-die insurance, survivorship life insurance covers two people and provides a benefit only after the second person has passed away. Whether your goal is to leave an inheritance, protect your business or provide a lasting benefit to a charity, survivorship life insurance can be an important part of your estate plan. 

 

Survivorship life insurance policies allow you to:


·         Equalize your estate among beneficiaries where assets are hard to divide

·         Provide funding beyond your lifetime for care of a child or other dependent with special needs

·         Ensure that funds are available for fees, taxes, and estate expenses.  


Survivorship life insurance policies may be less expensive than covering two people with two individual policies. 

Other Permanent Life Insurance

MetLife offers several types of permanent life insurance policies with flexibility and guaranteed lifetime protection to help meet your needs. 

Universal Life Insurance

Our universal life insurance policies provide the flexibility to build your policy's cash value or focus more on guaranteed protection.

Choose from two policy designs:

·         Guaranteed Protection lets you choose the length of the protection guarantee and the premium payment schedule up front-both are then guaranteed not to change so long as the premiums are paid as planned.1

·         Cash Accumulation allows you to change, within limits, your premium payments and death benefit. It also allows you to set aside additional money in a tax-deferred way to help you meet long-term financial goals.2  

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