MetLife Life

I called on 5/23/12 around 3:10pm and got your service rep, Jose, on the line. I told him that the IRS had placed a levy on my MetLife account. He didn't even understand the word levy. I asked to be transferred to a supervisor and Jose said that he needed a reason to transfer me over. I asked for their legal dept. Surely, someone in there knows what a levy is. Jose's response is they don't pick up phones. After a heated discussion, which was pointless, of more than 30 minutes, Jose said that a supervisor would call me tomorrow. If this **, ** up my account, I will file a lawsuit. Aren't you as MetLife supposed to have representatives that are willing to help you and not hinder you? I will also contact BBB, Consumer Affairs, the NYS insurance and a lawyer. I've been paying this contract out since 1996 and I actually need to speak to someone who understands English.

MetLife did not pay me as the beneficiary of my deceased husband. Andrew ** is what the policy designates as for security purposes. It's a $1 million accidental group life insurance. He was a manager on the group policy that was with Aetna Insurance. And the company Harvest States (now CMC--Central Montana Coop. that's merged with Cenex) changed carriers to MetLife, which has not helped me and referred me to Unclaimed Properties, which doesn't seem to have it either. Thank you very much for your time and assistance.

The situation: My mom died in 2008, and we didn't find out until 2012 that she had a life insurance policy with MetLife and some stock with them as well. Thanks to the State of California for informing us about our "lost property." It's funny, but all the other companies seemed to be able to find us just fine, as well as the State of California tax people, Medical, even the sewer company. All found us, because we owed them money. But MetLife owed us money and couldn't find us.

When calling MetLife the first time to explain about the letter we received from the State of California saying there was lost property and simply asking what forms did we need to fill out and documents did they need, the customer service rep continually insisted the only thing she could do was send a letter to my mom at her address of record. I mentioned that we'd sold the house four years ago and that my mom had passed away, but this did not deter her from insisting that's all she could do. One thing that concerned me, and still does, about their insistence on using my mom's old address in another state is that's a great way for someone to get a load of information to start an identity theft scheme. I nicely hung up, called back, and got a customer service rep, who wasn't mentally defective. They understood my mom had died. I was trying to file a death claim. I was told they'd send us a death claim form, which we did not receive.

Repeated calls were made, and repeated promises were received that they'd send us the form. All resulted in nothing coming in the mail. We get the rest of our mail just fine. I finally had to print one out from their website. (We don't have a printer, so it was a problem. So after a great deal of paperwork, certified copies of documents, and notarized signatures, I sent off all the forms both to the Life Insurance side and for the stock that they gave her two separate packets. Fair enough. But then they said, "We never got it." I confirmed the address and explained about the signature confirmation I had with them, and that didn't faze them at all. "You must resubmit" was the answer I got, so I did it all over again. Then I got the life insurance, $335. It was a child policy taken out in 1933. At least, we finally found out what that part of the unclaimed property was. They wouldn't tell us what it was until I submitted all the paperwork, and even then, they never explained. Just a check showed up.

Other letters did come - a condolence letter, all kinds of stuff, like about 20 letters in all. But not one of them ever explained what kind of policy my mom had or anything about it at all, and this, even after I documented to them I was the sole heir, the executor of the will, etc. But then two checks came for $35, issued two weeks apart. It took me 3 hours on the phone with them to figure out what they were for. The first operator said to me, "Well, all we can do is send a letter to the address of record." It turned out they still had my mom's address as an active account. They had created a 2nd and new account for me, which of course, had nothing in it. To identify my mom's account, I still had to use the address that she had not had in four years, even though I'd sent in all that paperwork showing we didn't live there. The house had been sold, and she'd passed away.

Finally, after hanging up with the first operator and calling back to get a better person, I found that the two checks were for all the combined dividends that she'd failed to get - $8.88 a year for four years. But the operator said, "Did you cash both checks?" and I said no. And he said that's really good, because we issued you the 2nd check in error and it would have bounced. My bank has a hefty fee for that. I asked why didn't they explain what the checks were for when they sent them. He had no idea. On the letters with them was nothing explaining what they were. I said, "Why on earth would you send me a bogus check?" The explanation was mind-blowing to me. They said, "You submitted two requests." I said, "You told me I had to resubmit; you never got the first one." And I asked, "Why would two requests cause you to send two checks for the same payment?" It was like they were trying to blame me for causing their error. And when I asked if they'd been sending any mails to my mom's address, they couldn't answer me.

Throughout all this, some of the MetLife people were nice and tried hard to help us. Some of them were not and acted like we were criminals, trying to steal something. Some of them were just plain rude to us. I explained that this process brought back all the bad feelings I had when my mom died, and that it made me a bit upset. The operator I said that to had no response. I got to thinking about it, and I remembered all the cute ads with Snoopy on the TV. So I went to MetLife's website. It says, "At MetLife, taking care of beneficiaries and delivering the promise is probably the single most important thing we do." MetLife's website also says, "A Delivering-the-Promise Specialist is ready to help. If you feel overwhelmed during this difficult time, ask to speak to or see a Delivering-the-Promise Specialist. He or she can offer extra assistance in filing your claim and much more. Just ask, and we can also help you: Identify important issues to be addressed, such as retitling assets and changing records; determine if you're entitled to government benefits; and locate quality grief counselors and resources in your area."

After dealing with MetLife, I did feel upset and had trouble sleeping. The next time I called, after calmly mentioning some of the problems I'd had with MetLife, I asked the operator for a "Delivering-the-Promise Specialist" as mentioned above. She said she'd have to place me on hold to check. After a while, she came back and said there weren't any available. I said, "Could you have someone call me please?" She said she'd have to put me on hold again; she did, and I got a dial tone. MetLife is a giant corporate company with a cold heart of stone. If the Snoopy ads on TV lead you to believe they care about you, their customer, or the beneficiaries, you are sadly mistaken.

Dealing with them, I got the small sums of money owed to my mom, and nothing too terrible happened. But I just feel like it was an awful ordeal. It took dozens of phone calls and lots of paperwork and several letters to get this mess all straightened out. My mom was 86 when she passed away after a stroke, and I'm sure she would have told us about this or keep better records if she could have. But MetLife was no help at all. In fact, I had to fight them and struggle even to find out what forms to send in, etc. I got the feeling they were trying to wear me down and hope I'd give up. I never once got the feeling they wanted to give us my mom's assets that they were holding onto with both fists, and all in all, it only came to less than $500.

On 4/3/12, I called and requested funds from my annuity and they said it should take one week, On 4/10/12, still no check. I was waiting a little longer, I thought because of Easter. So on 4/11/12, I called and nobody knows anything about why I do not have my money. However, Besty said she would bring this to her supervisor and get it Next Day Air by FedEx. I called on 4/12/12 to get the tracking number and the money was put in the mail according to Nathan **, but he said he will put a stop pay on the check and have the money wired to my account. Then on 4/13/12, I called and asked for Nathan and he was not in, but another person could help me. I said, "No, I want to talk to Nathan."

He said, "Then give me your information, i.e. contract number, dob, ss, etc." I asked, "Why do I need to give you that info, when I want to talk to Nathan." I just was now madder than a wet hen, hung up and called back when I calmed down. So when I called back Nathan was out and was asked if Kevin could help me. I went through the whole story now for the 4th time. He said he will get the file and put it on his supervisor's desk. Now the file has been moved to the bottom of the pile 3 times. Last I heard from Kevin was at 10:30am on 4/13/12, that he should know something in about an hour. Okay, I waited 2 hours, called back and no Kevin. Bill will help me. I gave him the story and now the file has been moved 4 times to the supervisor's desk and it will not be transferred to my checking account today 4/13/12 but maybe by Monday 4/16/12.

My contract states that money when requested, takes about 5 working days. It has now been 2 weeks since I requested my money. I have read many complaints about MetLife and now find them to be true. Thanks to MetLife's incompetent employees and I have lost out on an investment. But I guess that since it's not MetLife's investment, they can screw the little guy. I have quite a lot of money in MetLife and I will take the penalty to get all of my funds from them. They are the worst company for such a high profile company. I wonder if Charles Schulz had such a hard time getting his funds, and if he did, I'm sure he is kicking himself for letting them use and I mean use him and his characters.

MetLife SSDI death claims unit at 500 Schoolhouse Road, Johnstown PA15904 sent me a letter stating I am the beneficiary of my ex-husband's life insurance policy. They made me fill out the forms. I sent in a copy of the certified death certificate. They were fine with it until they heard from me that we were divorced. I sent in a certified divorce. Now they're telling me after reviewing my divorce, our three children and myself cannot receive anything. I'm the irrevocable beneficiary. Why are they doing this?

Cancellation of life insurances - I am paying premium for 13 years and the insurances have forced me to get my doctor fill up a disability form 3 times a year for the last 7 years. Now, I got behind two payments and they sent me a letter to go ahead and call and make a payment for reinstatement. I did and then they told me to fill a form and fax it. I did. Then, two months later, they notified me that they have declined to continue my coverage due to my weight and size. What do you think about MetLife doing this?

I had life insurance through work for over 10 years. When they closed, I took it all and started paying it every month for over five years. Then one day, I got a bill for a double payment. I called MetLife to ask, "Did you receive my payment?" and the lady said no. She then told me that they canceled the policy. She said they don't like these policies for some reason. Maybe you know why. I asked her why didn't they notify me that they didn't get my payment. "We don't have to. It states it in your policy." I never got a policy, just a letter of coverage, the amount with my information and it stated that I'm covered.

I had a small credit balance with met life and they wrote it off. I finally questioned them and insisted they reinstate it and pay me. They did 11 months later and I sent them a bill for late fee of $115. They refused to pay it now 14 months later. After much correspondence, their manager canceled my ltc policy because I had blown the whistle on this questionable practice. Our state insurance dept said they couldn't do that and it got reinstated.

I have been sick (on-going) for the past couple of years and have submitted 2 claims that has been a hassle the entire time with the company. My first claim was due to surgery and I had to submit all this paperwork while almost dying, which caused several issues with my paycheck. The second claim was the same thing: I was in a bad situation health-wise and no matter what my claim gets denied. I am not faking an illness and found out I have 2 masses on my kidneys, so I do not need this nonsense with a company that knows my medical history denying my claims. I have worked too hard to get to where I am for the denial to cause me to lose my job.

I am very dissatisfied with MetLife as a whole because it's always an issue. I am scared to get my surgery, which is necessary to ensure my prolonged life, because I know that some kind of way they will do something to ** me over. I am not happy with the people that work there or the entire process. I submitted several forms and double checked with the case manager and did everything I was supposed to. This is causing me more illness and stress that I do not need at this point.

I called MetLife to file a death insurance claim. After 3 calls, and no claim form, I demanded a form be emailed to me. Once they received the completed form, they announced it takes 10 business days to process a claim under $10,000. MetLife has not yet mailed me a claim form.

MetLife is holding my father's annuity hostage while my mother's lights gets turned off and she goes without needed medication. I wish I could rate zero stars because my mother Oliver ** has received nothing but grief in her dealings with MetLife over my father's annuity. She has been processing the name change on my father's annuity because he passed away last year since November 2011. She cashed the last check in November and the next day the check cashing place resent the check and she had to give the money back.

So she has not received a check for going on 4 months now. She has sent all the information requested. She was my father's only wife. And when she called last week she was told off by one of your associates. She is as we speak in tears on 1/13/12 at 1:31 pm because once again she has been told there is no resolution. What is MetLife going to do about leaving my mother's life on an "if" and at a stand still?

MetLife sent me a letter dated December 13, 2011 stating that my monthly premium for my life insurance is going from $252 a month to $555 a month and are demanding I send $1171 by 2/12/2012. I am retired and caring for my wife who has late stage Alzheimer's. I am on a fixed income and will potentially have to give up my life insurance due to them more than doubling the premium.

On March 3, 2009, my mother was killed in a house explosion. I have filled out all the paperwork that was required of me and filed it with MetLife in Muskogee, OK. Muskogee MetLife agent Mike (last name unknown), informed me that I needed to provide proof that the house and property belonged to my mom. I provided the information and then I was informed that I had to show that the former owners no longer owned the property and that my mother was the legitimate owner. I provided a certified and notarized letter from Joe and Barbara ** verifying this information.

Two months after giving the required information that was requested, I was contacted again and was told that I had to provide the same information again to show proof that the former owners were still alive. Joe and Barbara gave their address, phone number and DOB's. I was later informed that this still wasn't enough proof that Mr. and Mrs. ** were still alive. They were gracious enough to provide their social security numbers to show more proof.

I was contacted again saying that they still needed proof. The ** are now aggravated that I have had to contact them about whether they are still alive and asking for their social security numbers yet again! They have told me that if I contact them requesting the same information again, they will be contacting their attorney to find out if they can charge me and MetLife with harassment charges, and I can't blame them.

This is ridiculous! I lost my mother almost 2 years ago and I'm trying to go on with a life without her and yet I can't because I'm still having to fight with your company to get the policy that she paid for. I have also contacted the Insurance Regulatory Commission for the state of Oklahoma to lodge a complaint against your company. I have tried to get this resolved without contacting an attorney, but you leave me no choice since you continue to give me the run around.

Mr. and Mrs. ** are going to contact their attorney to file harassment charges against me and MetLife if I continue to contact them requesting proof that they are still alive and that they no longer own the property.

I live on a fixed income due to suffering from lupus and receiving the money would make life just a little easier. If I don't receive a response within 72 hours to this complaint, I will be contacting my attorney to give him the go ahead to file a civil suit against your company.

I am working as an agent with MetLife Insurance Company. My agency code is ** and my license number is **. I deposited fees of Rs.1,000 on the 30th of July but my license has not been renewed until now. What kind of service are you providing? Kindly renew my license as soon as possible.

I have been trying to cancel my MetLife Insurance account for years now. Every time I called in, a representative would tell me that I was not in the system. I was told to fax in some information; someone would research this and get back to me. That was never done. Today, Tuesday, April 27, 2011, I asked for the number to the corporate office. It wasn't until then that all of my information was miraculously discovered. The rep who I spoke with, though kind, said that she could only backdate my account until the 31st of March, although I have been trying to cancel for years. I feel that this is unacceptable.

MetLife canceled the fire insurance coverage on my deceased father's house in Columbus, Ohio with no advance notice of any kind. My father was the named insured on the subject policy. His house was the property covered by the policy. His automobile insurance was provided by the same company under the same policy. In December 2009, the policy was renewed from February 3, 2010 to February 3, 2011. My father died on December 20, 2010. The house has been vacant ever since. Because of the change in status of the house, I wrote a letter to MetLife on January 15, 2011. In that letter, I requested that the automobile insurance policy be canceled, effective immediately. It continued: "Homeowners Policy - The house is now owned by my father's estate and is listed for sale with a realtor. The insurance coverages related to the house should remain in effect without interruption. The rating and premium probably need to be recalculated, since the house is not occupied and the discount related to the automobile insurance is no longer applicable. If there is any problem complying with these instructions, please contact me."

In response to my letter, I received an automobile insurance declarations page dated January 26, 2011 from MetLife indicating that the auto policy had been canceled pursuant to my request, effective January 15, 2011. It identifies the named insured as "Estate of (my father's name)". This demonstrates unequivocally that the company had received my January 15th letter. I also received a notice of policy change dated January 12, 2011 from MetLife which indicated changes had been made to the mailing address and the address of the home on the homeowner's policy. I received this notice because I had directed that my father's mail be forwarded to me. I called MetLife's policy service telephone number on Friday morning, February 4, 2011 at approximately 9:45 a.m. Eastern time. The unfortunate woman who drew the short straw of fielding my call told me that the homeowner's policy had been canceled the previous day - February 3, 2011.

In response to my direct question, she said that there was no coverage on my father's house as of the moment of our conversation. I received no notice in any form - written, telephonic, e-mail - of the impending cancellation of the homeowner's policy. My January 15th letter provided MetLife with all of my contact information. They knew how to use my mailing address for notices directed to my father's estate, as evidenced by the notice of cancellation of the auto policy. Even if a notice of cancellation had been mailed to my father's prior address, it would have been forwarded to me. The policy was canceled without advance notice. From the information available on the Ohio Department of Insurance website, I understand that this is a violation of applicable Ohio law or regulation.

I asked for a form to be sent to me so I could have my premium and loan payment taken out of my checking account automatically. The first time I never got the form. The next time I called, they sent me the wrong papers. I went online to see if I could print the form and cannot find it. I cannot get a person on the phone from the United States. If I do not get this resolved, I am going to call my state representative.

A few years ago I purchased a life insurance policy through Met Life. I already had a policy, which was paid up in 20 years. When I purchased this new policy, when I heard "20 years", I thought it was the same. Earlier this year I had some questions in reference to my beneficiaries. I tried calling the rep that sold me the policy, but he no longer worked there. When I called Met Life direct to discuss my policy and find out who my new agent was, they informed me that it wasn't even a Met Life policy. It was a subsidiary company, but written on Met Life paper.

No one could help me because I didn't have a rep. In order to get a replacement rep, I would have to write Met Life and request a new representative. They gave me nothing but a run-around. I discovered that I would be paying into this policy for 20 years, and if I didn't die by then, it would be worth nothing. I immediately cancelled. I think the rep who sold me this policy misrepresented the product. I invested over $20,000 into this, and when I cancelled I got a few hundred dollars.

Metlife took over my father's policy at the first of the year after having this policy for 25 years. We never received a letter stating they were taking over until we got a letter saying that the policy had been canceled. We have been trying to get it reinstated and they said it was reinstated back in March but never received a letter or a phone call saying it had been reinstated. We did recieve a bill in july for a payment on the 21st of july. We paid a payment but didn't know the policy had been canceled again back at the end of March. They cashed the check we sent in and still won't reinstate the policy as of today.

We have asked to talk with a supervisor and number of times we have been today. There is not one there to speak to me or my father. We would love to have the policy reinstated but would like to speak with a insurance supervisor or manager. We have not had any returned phone call from a supervisor or manager to date. My father is in poor health and I or my sister handles the calls for him. We were also told there was a call made to your company from my father and another person that we don't know or my father knows. They requested a change of beneficiary form. We have not received or made a request for said form. I would like to see this reinstated as soon as possible or legal actions will have to be looked into for this matter.

I had bought a Policy of MetLife Insurace Co. India of Rs.20,000 last year Jan. 2009. They had told me that the policy documents will reach on your mailing address (which is my parent's home) with in 15 days. I am now living with my in laws in Ghaziabad, UP. I didn't get them yet. I had sent a mail to MetLife for this in Jan 2010. They said that we are sending you again the papers on Jan 29, 2010. When I called again them to ask about my PD (policy docs), they answered there was nobody available at your home when the PD reached there. There is always a person available at my parents home even postman know them personally, then how this happen. They are now telling to call me when they will get my PD back.

I also went to their outlet in Pacific mall, Delhi to pay my renawel this year and I told him about to get my PD, they suggested me to submit 200 Rs. to get the duplicate. Now I am thinking about this option. But this is totally unfair. I want my original PD. When I didn't lost my PD, 200 is nothing, but why would I pay? I want to ask the managers and all the people in administration of MetLife, India, "Is this is their policy to give PD to their customers?"

My wife and I opened life insurance policies (250k each) in 2005 with Metlife, as a variable life fund. Around late 2008, I started receiving notices that I needed to pay in greater premiums on my policy in order to keep it fully in-force. It took me nearly 2 weeks to contact someone (as the agent who sold us the policies had moved on), only to be told that 'these changes are due to the market'. We were never informed about the increase in premiums being market based. our understanding was that the dividends paying back to the account would change. We decide it was a lesson learned, and moved forward.

Last month, my wife received a notification saying that she needed to pay $173 in November, and roughly $240 in December, for the same reasons. Finally fed up, we asked to look into moving our cash values over to whole or term life policies... only to be informed that we'd each be losing more than 50% of the value as a penalty due to early cancellation of the variable policies (something we were never informed about, though our current agent told us it was 'somewhere in the large book they gave you when you signed up'- one would think a key point like that would be made evident at the time of signing), EVEN IF we stayed with Metlife.

I immediately told our agent (who failed to mention the penalty before) that we'd be moving to a different company, to be told that they would pay out, but we'd still get hit with the penalty AND then get our payout taxed as income (not Metlife's fault, but frustrating). We are now looking into a 535 exchange with a different life insurance provider.

Unforseen and unscheduled increase in premiums- we are not prepared to keep sending $200 out a month when nobody can explain why in a satisfactory manner beyond "It's just how the market's working".

They cheated my parents out of $25,000 for illegal 'churning'. The office was or is based in Florida. it was just awful how they 'talked' my mother into calling up and made her move her money to other accounts, then they would have to pay the tax on the money that was moved. My father died before we settled it and mom received nothing for all her pain and suffering because of it. I just want everyone to know they are thieves and pray on older people! The case has been settled so no need for any attorney to contact me but thank you. It was very difficult to find someone to help us.

I believe I have a case against MetLife but am unsure how to proceed.

I purchased Universal Life policies thour our employer in 1997. The big was that the insurance would be available to us regardless of employment with a predetermined payment schedule that increased modestly with passing time. In Feb of 2009,I was part of a reduction in force at my company. I was very concerned about keeping my life insurance current, and contacted MetLife right away. They told me they couldn't see anything about that policy, but not to worry, I would receive a bill in the mail once the direct deposits stopped. I was contacted by a local MetLife rep who wanted to convert the employee life the company also carried on me. I explained that I wasn't interested in converting that policy, but I needed to maintain my larger universal life policy. He said he had never had anyone in his career have that policy but would look into it. Again, we were told just to wait for the bill to come. This exchange occured 2 more times. Well, finally, the bill came. My premiums have now gone from $180/month to $360/month! and they insisted on back payment for the 3 months it took them to bill me + the next month, to the tune of over $1200. They couldn't take a payment over the phone, so I had to overnight payment to them to keep the policy from being cancelled. I asked why the change, and they said it was because he was moved into "the pool" once his employement ended. I got out my policy and asked them to show me where it says that would happen - no go. I asked them how we could have anticipated the change - they didn't know. I asked them why I was suddenly more of a risk to them now that I'm not employed by the company (I already had another position at this point) -- they said it was simply due to the way I was coded in the system by ex employer upon exit.

I had a life insurance policy with Met Life in the amount of $200,000. I had been being paying $86 per month for about 18 years. In all that time no one from Met Life ever atempted to contact me. Then about a year ago someone called. They basically told me my policy was cancelled. To reinstate the policy it would now cost me $250 per month. All my dividends from the policy went back into paid up additions and cash-value. I asked what had happend to the cash value and was told it was used to make up the difference of what I was paying montly and the actually cost of my insurance. I asked why I wasn't contacted about this first. They had no real answer. I feel I should have been giving the option. It should have been my decision as to whether to continue the insurance policy or cash it in for another policy.

On or around 09/08, I requested a withdrawal from my paid up interest on my life insurance policy. I recently received a notice from Metlife informing me that I owed $265.00 for annual premiums on my "loan". When I called Metlife to query this statement, I was not compassionately informed that my withdrawal was processed as a loan and basically, I had to wait until the research department contacts me at a later date to inform me of their findings. I find this to be irritating and more importantly, poor professional conduct. Metlife has a reputation as one of the largest insurance companies. To make such a major error on such a small account frightens me. Metlife has handled my insurance since 1988 and I'm really disappointed that I was handled with such low regard when I called to inquire on an error in which Metlife is responsible for.

Due to the error made by Metlife, my account is reflecting a loan and annual payments due, which is incorrect. If the annual premiums are not paid timely, this will ultimately cause my insurance and death benefit to have a negative impact.

Since 2006, I had a Group Optional Life with MetLife. I received a letter along with my May 2009 statement canceling my life insurance. My balance per this statement was $4.22. MetLife increased my rates without formally notifying me of this action. MetLife terminated my policy. My Group Optional Life was cancelled; the amount was $100,000.

My husband has worked for Southern Company for almost 30 years. He was married and lived in Georgia for about 18 of those years. He met me in Mississippi after being transferred and divorced but had not gone back to Atlanta to get any belongings. We were together for a couple of years, and he was paying premiums for life insurance all those years to MetLife. I didn't know anything until one day he was hurt on the job and had to take early retirement because of his back.

At that time, MetLife informed us that he could no longer have the luxury of paying the group amount of only $22.76 per month. He would have to port his policy over to pay his self for approximately $168 per month, and it increases every year. We did this, and it has been a struggle to keep it up. We have never missed a payment. It is due on the 1st. He has never been asked in the beginning nor ever if he wanted to secure this policy's safety by paying one month in advance because they are so strict and they will cancel you at the spur of the moment. We paid faithfully, and then just last month, I was late in May and it was paid through my online banking account and posted as May 13.

Well, it just so happened that my ex-husband also had a MetLife policy, and I was the owner of it and he retired the same way through Dow Chemical and taking early retirement and keeping that policy--his policy--I had on hand. It was clearly stated on page 6 that there is a 31-day Grace period. I never worried about it as It was never late and especially 31 days and I (being a lay person and not an insurance expert) thought the two policies were with MetLife and so that was their rules on both. I have never had the actual printed policy on my new husband.

I went to my PO box after 3 weeks, because I had some personal problems; and there was a letter from MetLife stating they had cancelled my current husband's policy for the Optional Life but had kept the Basic portion in force even though the payment was made at the same time for both. They said when I called them that there was enough money to pay the Basic for only $12,500 of the insurance but not enough to cover the Optional for $177,500 because I sent a payment by memory for $225.00, thinking the new payment amount was $223.56. It happened to be $227.56, and I was off a few dollars.

Instead of just calling or warning or giving us an email notice or anything saying they need two more dollars or whatever, they cancelled, stating the policy clearly says in fine print that if not paid in full by the due date, you could be cancelled. I have been writing letters to everyone and sitting, waiting to get a lawyer on this case.

Ihad apolicy since 1986 with metlife. HE cancelled my insurance and open anew policy whitout my aknowdlege. I had cash valued more than $10,000. i Want my money now. i call to find out my old insurance was cancell. I need to pay them 3000 on whatever I have left. please help me

MIslead me isntead of helping me not to cancelle my old insurance but to incresae the policy HE cancelled my policy to a new policy himself

i purchased this life insurance policy in 1994,,and at that time i was a smoker...i quit smoking in 2000. and didnt know that i could change my smokers rate to nonsmoking..in january of 2009 i recieved my first notice that if i had stopped smoking,,my rate would decrease dramatically,,,since i had quit 9 years earlier,,,i was outraged that this is the first notice i recieved about quitting smoking and would like to know why they didnt send a notice with every statement about that notice about nonsmoking decrease in rate,,,

i can only think that this company has been scamming me and alot of other nonsmokers, by not notifying us at least yearly or quarterly (when our statments come out) that by stopping smoking, our rates would drop...now i have overpaid for the last 9 years at least $30 - $40 dollars a month which is a big amount of money in my book.as i am nearing 60..i have had no insurnace rep as far as i knew until this date january 20,2009 when i finally got my first notice about not smoking premiums being so much smaller...

i would like a refund of all the money i have spent for premiums for the last 9 years of overpayment obviously or at least apply it all to my policy and it should be all paid up with more left over by now...as i am not an insurance agent i would not know about this change unless i was notified..and like i said i should have been notified at least every quarter when i got a statment with a note about not smoking, especially at this day and age when people are quitting all the time. i was only a smoker for 6 years of the policy period and non smoker for the last 9 years...

this is an unfair practice...i had all my premiums deducted directly from my checking account and very rarely thought about my premiums as i didnt want to overlook my life insurance premiums....please help with this unfair amount of money i have contributed to this police as a non smoker when the premiums should have been changed back in 2000 or at least 2001...

money lost is approximately $35.00 per month for 9 years, and at the very least 8 years,,total $3780.00 overpayment

MET LIFE LOST A CLASS ACTION SUIT IN 1987 AS A RESULT I WAS AWARDED 7000 DOLLARS WHICH MET LIFE REFUSED PAY TO ME IN CASH SO I WAS FORCED TO APPLY IT TO MY POLICY, Not long after,, Katheryn S a Met Agent changed my old policy to a universal policy . My old policy was a triple indemity policy the policy number was $2,500 triple indemity She mentioned to me that a good friend must have sold it to me ! But insisted that i would be better off with this fleible premuim life policy The new policy at that time june 6th 1987 was for the face ammount of $ 60,000.

Our lack of knowledge led us in to 22 years of fees totaling Thousnds of dollars that we stuggled to pay in an effort to keep the policy in force never bieng advised by all the agents that manipulated this policy through the years! I beleive that Met Life and their Agents are again guilty of Churning, Decietful insurance practice of steering consumers in to policys that they know will not be available for the consumer when they Pass away ! Instead of helping the consumer & deal honestly with them they bankrupt the policy by not negotiating and assisting the consumer to maintain some ammount of dignity in remaining solvent !

As a result of these constant increases & threats of our policys drying up in less than two years , Our lives have been subject to bouts of extreme nervous anxiety which has contributed TO my wife contacting Parkinsons Disease, i have no doubt that the Trauma brought on by our Agent and Met Life has caused us to be on the Edge of a nervous disorder ~

Alice an agent from MetLife sold me a univeral life policy almost 25 years ago when I was 58. I took a policy for $50,000 and then had it changed to $100,000. I have paid 67.00 a month/or $800 annually. I was told that this policy would go down as the years go by. I was lied to About two years ago MetLife billed me about $2000.00 a year and I have paid $2,276.08 this year. It will go up 10% or more each year. This is absolutely too much to pay when your on a fixed income. My wife heard what Ms. L said when policy was sold to us. It is entirely different. I wrote to the State of NY Insurance Department to no avail. Thank you for your attention to this email.

In March of 06 and June of 06 my husband (now divorced) contacted the agent at Met Life to release funds from my life insurance policy. The agent took it upon himself to fax the withdrawal forms to my husband place of work. (I was never contacted and this was done without my concent or knowledge) My husband signed my name on these release forms and submitted them. Met Life sent checks to my address and in my name, my husband signed these checks and having to deposit them (could not just cash them) in our joint checking account. The total of these 2 checks was $7,500.00.

When I found out, I contact the agent asap, and he said Well, I knew you were married, and your husband said he needed money for bills This agent HAD NO RIGHT to release my money without contacting me, or without my consent. how could he have done this? Met Life and or agent cannot know what is going on in a marital home. How can they release someones money to a spouse just from a phone call? I have filed a complaint with Met life to refund my money, but they will not because it was deposited in our joint checking account. I also have my X-husband in court on fraud charges. (case pending).

On the first release form my husband signed his name on the co-owner line. They did not even check to see if he was a co-owner, which he is not! I don't understand a company can do this without checking into it.

In late June 2007 I left my employer (Keane Inc>0 and made plans to continue my life insurance with Met Life. Keane had problems processing my paperwork for the Cobra Life Insurance and I later received the forms (form was dated 8/16/07). I completed the paperwork upon receipt and mailed on 9/10/07. There was a signature box which was inadvertently omitted on my part and the formw were sent back to me for completion and I completed the form and returned it to Met Life.

I received an invoice statement dated 11/19/07 and at that time elected to change my coverage from $250 to $200k. I calculated the amound due and the statement due date was 12/10/07 and I mailed my payment on 12/2/07. My cancelled check included in the memo portion through 12/31/07 (my account number) $200K Group Basic Life. I also followed the procedures on their statement which indicated that if the amount diferrs from the total amound due to explain it on the form. I also included a letter dated 12/2/07 with my payment ($1444.80)noting that the check reflects a change from $250K to $200K in coverage. I provided email, phone number and address information on the letter.

On 12/24 I received the next monthly statement from Met Life and the amound did not reflect the change in coverage so I contacted Met Life. I was informed for the first time that my coverage had lapsed. I was instructed to contact the Met Life recordkeeping unit to issue my request to have my insurance reinstated nd wrote a letter dated 12/16 to the Met Life Recordkeeping Unit, PO Box 6169, Utica, NY 13504.

Met Life during this time cashed my check for $1444.80 and by cashing the check (with the memo clearly stating it was for payment through 12/31/07 at $200K) that they were in effect accepting my payment for insurance coverage as noted in the memo section of the check. I have requested that my insurance be reinstated at the $200K rate or my money returned. I have not heard from Met Life since my letter was sent.

In a letter postmarked 12/31/07 and received on 1/5/08 I received notice (for the first time other than though my phone call) that my Insurance was cancelled, effective 11/24/07. (Yet they cashed my check in December!)

Loss of $1444.80, which I would NOT have paid if I was informed that my insurance had been cancelled.

this 60,000 loss. We are didn't think we could be taken by a huge reputale company like Met Life

In November we called the Met life company to ask a few questions concerning putting money into the accumulation fund of the policy.

We wanted to know how much we could put into the fund and if there were any charges for doing this. Since it had been such a long time since we took this policy out we could not remember the policy concerning this.

On three different occasions we spoke to different individuals about this and were assured that we could put up to $17,000.00 into the fund and that there would be no charges to do so. We deposited $15,000.00 an about December 1,2002.

When I received my statement from Met Life this May I was shocked to see that they had charged a fee of 9% or $1350.00.

Why would I put $15,000.00 of my hard eared money into an account that returns 4% but have to pay a fee of 9%?

If we had been told of this when we called we would never have put our money into this fund.

Met life has records of these calls but refuses to aknowledge that they told us this information.

My grandmother purchased a life insurance policy on me when I was an infant, listing herself as beneficiary. This policy was eligible for cashing out upon my reaching the age of 21. I made the last few monthly payments to completely pay the policy off and then attempted to cash out the policy. It was very difficult to get the appropriate paperwork from Metlife.

In the meantime, Metlife went public and the policy was transferred to shares of stock. At the time I was trying to cash the policy out, it was worth approximately $3,250. At the time of IPO, my policy was changed over into stock shares worth less than $300. I have called trying to resolve why I was given so little stock, but the explanation I've continually received is the policy transfer was based on an actuarial formula. That does not explain to me why I immediately lost about $3,000.

If the policy would have been transferred to shares on a dollar for dollar basis, the shares would now be worth over $5,000, instead they are worth less than $500. Metlife has avoided all methods of contact I've tried with them. I can recall reading about a threatened class action suit on behalf of all policyholder that this affected in this manner, but have not been able to find any further information about it.As a result of not being able to recover the true value of the policy, I have experienced much anger, frustration and stress whenever I attempt to get fairly compensated by Metlife. Due to other things that occurred in that same time frame, I have completely drained my savings because I was counting on using the policy value for the downpayment on my home.

i am currently behind on my bills because of the situation. because i was expecting the money i wrote checks in anticipation,the checks were all returned.falling behind on mypayments have led to many sleepless nights ,the stress has affected my blood pressure , now i am being harrassed by my creditors.