MetLife Life

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Kristin of Mentor, OH September 2, 2009

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.

Ron of Glendora, CA August 29, 2009

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.

Linda of Glenwood, IL July 7, 2009

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 incompassionately 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.

Bette of Richmond, CA June 10, 2009

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. Met life increased my rates without formally notifying me of this action. Met life terminated my policy. My group optional life was cancelled the amount was 100,000.

Violette of Queens Village, NY February 24, 2009

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

Dottie of Winter Park, CA February 17, 2009

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

William of Spring Hill Florida, FL February 13, 2009

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 ~

Walter of New Hyde Park, NY October 30, 2008

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.

Muriel of Wrentham, MA September 29, 2008

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.

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