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Life Insurance 

What Is Term Life Insurance?

Term life insurance is often the most affordable coverage because it offers protection for a specific number of years. You may want to purchase a term life insurance policy to:

  • Get valuable coverage at an affordable price
  • Help cover specific financial responsibilities like a mortgage or college expenses
  • Supplement a permanent policy or work policy

Level Term Life Insurance
For coverage amounts $100,000+, we offer term life insurance policies with premiums guaranteed not to increase for the length of the level premium period you choose.* Your financial professional can provide more information about how this coverage can be a part of your financial plan.

One Year Term Life Insurance
We also offer one year non-renewable term life insurance for a short-term solution. Clients looking for coverage beyond a year may be able to add the Convertible and Renewable Options Rider which extends coverage to five years with increasing premiums and allows conversion to a permanent policy after the first year. Speak with your financial professional to learn more.

One-Year Term Rates

This chart provides current premium rates per $1,000 of insurance protection charged by MetLife Insurance
Company USA, MetLife USA (formerly MetLife Insurance Company of Connecticut and merged with MetLife
Investors USA Insurance Company and MetLife Investors Insurance Company), General American Life Insurance
Company (Gen Am), New England Life Insurance Company (NELICO) and Metropolitan Life Insurance Company
(MLIC) for initial issue one-year, term life insurance available to all standard risks.


Economic Benefit Calculations

Effective following the close of business on November 14, 2014, MetLife Investors Insurance Company, MetLife Investors USA Insurance Company and Exeter Reassurance
Company, Ltd. were merged into MetLife Insurance Company of Connecticut, and MetLife Insurance Company of Connecticut was then renamed MetLife Insurance
Company USA. There is very little guidance on how this impacts the use of the insurer’s rates to compute 2014 imputed income.
Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax
or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate..
Met of CT YRT3 is issued by MetLife Insurance Company USA, Charlotte, NC 28277. GenAm One-Year Term is issued by General American Life Insurance Company,
St. Louis, MO 63128. NEF YRT4 is issued by New England Life Insurance Company, Boston, MA 02111. MLIC One-Year Level Term Life is issued by Metropolitan
Life Insurance Company, New York, NY 10166. MetLife One Year Term is issued by MetLife Insurance Company USA , Charlotte NC 28277 and in New York only by
Metropolitan Life Insurance Company, New York, NY 10166. All are MetLife companies.

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