MetLife Life

MetLife Life

 3.9/5 (553 reviews)

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Overall Rating3.9 out of 5
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About MetLife Life

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MetLife provides home, auto and health insurance to clients in the United States.

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    Page 2 Reviews 10 - 40
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    Verified Reviewer
    Original review: Aug. 22, 2022

    Second update about MetLife. Sent email with surrender docs as requested to them, August fifth. Called them on the sixteenth and they stated never received, sent 2 more copies of the surrender docs and also faxed them a copy with the POA attached. Still no response as of the twenty-second. Called them again and now they said they sent a doc, never did. I tested their email by logging into the site and changed the phone number and got a email in a few minutes to my email address. So, their email server is working. Spoke to them and they said the POA is over 5 years old.

    They want a new one, you can't get an Alzheimer patient to sign a document if they are incompetent. All other banks take it, also I'm selling my mom’s home to pay for the nursing home. No issues with the POA. (Your talking hundreds of thousands of dollars, not a few from MetLife. This sounds like the same insurance company that was portrayed in "the rainmaker". Very nasty customer service reps, and they use all the tactics they can to hold up payment, which is being used for my mom’s long-term care. If you care for your family never use them.

    19 people found this review helpful
    Verified Reviewer
    Original review: June 13, 2022

    I have a policy provided by my employer through MetLife as well as other things I purchased and are taken out of my check and I am not able to get on the online portal, have had no information sent to me, they refuse to help me when I call, and I have no way of getting any information to my beneficiary should something happen to me. Starting to feel like they don't want to give people their own policy information so they can screw beneficiaries or allow you to file a claim. SCAM!

    20 people found this review helpful
    Verified Reviewer
    Original review: May 11, 2022

    In 2017 I was offered to invest my money in this safe policy called Wealth Builder. Last year I realised I lost 15k out of 55 K but I was told that was temporary so I waited another year and lost in total 30 thousand dollars out of 75 thousand dollars that I put in. The company made extremely difficult for me to surrender. I strongly suggest no one to invest their money in this kind of policy. Just an advice!

    22 people found this review helpful
    Verified Reviewer
    Original review: May 2, 2022

    Metropolitan Life and Computershare, (which are the same company, but don’t communicate with each other), have made a very emotional and painful situation, so very, very much worse. I have sent documentation after documentation to both divisions several times, and am still being asked for more. When finally able to speak to a live person, I am given conflicting information. No one has ever called me, or emailed me, and I just keep getting letters from them asking for more documents. I will NEVER employ this insurance company. I don’t want my children to go through the nightmare that has been inflicted on me by MetLife.

    26 people found this review helpful
    Verified Reviewer
    Original review: April 10, 2022

    Who tries to sell you a life insurance policy. Do your research. Unfortunately, the internet wasn't available when we bought a life insurance policy. Remember they want to make a sale they aren't looking out for you. I told our agent we couldn't afford another life insurance policy. He came up with a plan using childhood policy of mine to buy a policy for my husband. I had an additional policy so I thought it was a good idea. I was told the cash value would buy a policy for my husband which will eventually end.

    I wouldn't have to pay the premium for my husband's policy. He also said at that time my original policy would start to increase. It was a loan and the dividends was paying for the new policy. What he didn't tell you is your policy may not cover the cost and the policy could end. When the policy ends you then have to pay taxes on that loan... Today in this world you have to be an expert in everything. Can't trust anybody. You think an agent is advising but he is there just for himself and a sale. No one I knew back then knew insurance to ask. I believed what he said. He told me my sister signed up for the same, only to find out although he used the same words as he used for me he actually set hers up in a much better way. Met Life was my parents, aunts and uncles, grandparent's life insurance co. I had the same agent as my parents. When my children became adults I told them Met Life is not the co. to use when buying life insurance.

    10 people found this review helpful
    Verified Reviewer
    Original review: April 3, 2022

    I would never openly choose MetLife. I used MetLife for maternity leave. I was owed the money from January-March. It’s April and I have yet to receive payment and have spent well over 20 hours on the phone with minimal call backs. I was given opposing information regarding my claim countless times. Customer service reps are nice, but for the most part extremely useless is solving any issues. The company has been a nightmare to deal with.

    19 people found this review helpful
    Verified Reviewer
    Original review: March 18, 2022

    Do not trust these crooks. My wife took her own life and they denied my payout because it was within their 2 year suicide clause. Nowhere was it stated in my policy that a dependent was part of the clause, only the policy holder. Not until my it was time for a claim did the word "dependent" appear. My wife didn't even know I had this policy on her and they act like I knew she was going to go out and kill herself so I insured her. This is money I could really have used to help pay bills and find a new place to live in this hardship we are all going through. Never again will I shop with Metlife even if it's offered to me for free.

    18 people found this review helpful
    Verified Reviewer
    Original review: Nov. 12, 2021

    My dad purchased their whole life insurance 20 years ago. His english is limited and the sales rep coaxed him into buying their insurance policy saying that he wouldn't have to pay the premium after 20 years. Here I am 20 years later and I called numerous time requesting in force ledge with the intention of switch. It tooks 3 months and 5 phone calls to eventually have it emailed to me, even though they legally have to provide the document. The reason? They want it make it very difficult to leave, so they force you to stay not by being a great company but by getting in your way to leave.

    19 people found this review helpful
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    Verified Reviewer
    Original review: Oct. 21, 2021

    My mother was gifted a Metlife whole life policy for her 16th birthday in 1943 for the sum of $1000. She recently passed this year. The total value of the policy today is $1526.25, a total appreciation of 52.6% after 78 years! If the policy even kept up with inflation, it would be worth $15,856.07 today! Basically, this amounts to spitting on my mother's grave. These people are crooks, don't deal with them.

    28 people found this review helpful
    Verified Reviewer
    Original review: Oct. 18, 2021

    My mom passed away in 2006 but this company MetLife thought that they were smart. When Social Security said that I had $17,000 in their possession they had told me I can wait 10 days and I'm going to send me a letter in the mail telling me how much I have to pay in order to get my insurance. As soon as I waited the 10 days I called them for receive anything and they told me I wasn't eligible anymore. The page that I had found from disappeared. Luckily I copied it before that, they change the date of her death and I never got paid into this day. I'm still fighting it. I would stay away from this company is very terrible. I have to relive my mother's death every single day and I have no idea who to talk to so beware.

    22 people found this review helpful
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    Verified Reviewer
    Original review: Oct. 4, 2021

    Horrible company, first you are connected to a robot, keeps asking for the same information. After waiting 15 minutes while artificial typing in the background, you are connected to an agent, who does everything in her power to prevent you from cashing out of the policy. Finally you are told that you have wait two weeks to hear from them whether they will allow you to cash out of the policy.

    18 people found this review helpful
    Verified Reviewer
    Original review: Aug. 23, 2021

    I lost my copy of my Metropolitan Life insurance policy in a move. With most insurance companies, you can obtain policy information quickly on line. Not MetLife. Their website was down, so I contacted their customer service to obtain a copy of my policy. I was told that I need a pin to access my account. I asked for a pin and was told they have to mail it (not text or email, but send it via U.S. mail). I'm not kidding! I asked them to email a copy of my policy, and was transferred to an unmanned telephone number. Estimated time 5+ business days for the pin. I am watching my mail for a pin to log into my account. Consider this when you are looking for insurance!

    15 people found this review helpful
    Verified Reviewer
    Original review: Aug. 13, 2021

    I had a Metlife life insurance policy since I was a child. Noticed recently that my mother who has passed was my beneficiary. I called them and he sent me a 5 page form to put my kids on the policy. Got their SS numbers, filled out the forms, sent it in. Did not make copies cause this is a simple request, and I shredded their SS numbers. Did I get to do it? No, I get a nasty letter that I had neglected one signature of an uninterested party and supposedly my whole 5 page request was destroyed. And included back to me was a 10 page form!!!! What???? If I die tomorrow, who gets my money?

    Luckily, my brother in law said cancel the policy, and get the cash value. Good idea. One of the nice phone guys sent me another 5 page form to fill out. This time I made copies, had a lawyer check it, since I was doing my Will anyway. Then called them back again....Many calls by this time!!! Went thru the form again with the phone guy!!! Wasted many hours of their time and certainly my time!!! Yes, I got the money!!! This could have been so simple.

    13 people found this review helpful
    Verified Reviewer
    Original review: Aug. 4, 2021

    I submitted an auto claim which was not looked at till a week later. My car was hit by another car while it was parked in a parking lot. I call and leave messages, nobody call back. Very very bad customer service. If you looking for a piece of mind then MetLife is not your insurance company.

    8 people found this review helpful
    Verified Reviewer
    Original review: May 22, 2021

    Summarize go away from this company in UAE. I had Business in my country and need bank account in UAE and RAK bank representative forced me to buy Metlife policy to open account to my company without any Auditing (Blackmail). My question are head office in USA knew what Metlife UAE did and how they sell their policies ???? For years I try contact them to cash back my policy but couldn't reach them then when I moved to Canada I successfully got them and sent them all surrender filled forms. They told me they will deduct 55000 US$ because I not trust them I said ok. They told me they need 10 working days to transfer surrender value then they said they need 3 days to review then they didn't answer my emails since month ???? I need one from the head office contact me. I have all evidences of what I said and I need my money back. I feel stolen. They are cheater.

    12 people found this review helpful
    Verified Reviewer
    Original review: May 21, 2021

    Frustration, irritation, regret - that's all I feel dealing with this company. To start with I was badly disinformed about the policy. I was told I can withdraw my money without any loss after the 1st year. In reality for 5 years I can't withdraw money without high charges. Secondly, to move money to different funds, I have to submit signature and come in person every time. I don't have a car, so traveling down to their office in Dubai is bad. Last time I tried to change the funds, I had to appear in person 3 times, because signature won't match! Finally I couldn't move my funds and I lost the opportunity to make at least something. I also have to say that while the value of my investment didn't grow, I was heavily charged with fees. With MetLife investments I'm loosing money every year. All I wanted in some security in life. Instead I got headache and stress.

    5 people found this review helpful
    Verified Reviewer
    Original review: March 31, 2021

    MetLife Insurance Helpful Suggestions. I recently had a terrible experience with Metlife (ML) while trying to surrender 3 life ins policies and collect the associated cash values. The issue was finally resolved after 6 Months of extreme frustration. I would like to offer suggestions from my experience that may prove helpful to those having difficulty with ML. Per my case (individual life ins purchased 30 yrs ago by Mother for 3 grandchildren).... ML no longer sells independent life ins policies and will not meet face to face to discuss such policies with anyone, anywhere, at any time. Despite what customer service reps say, ML will only respond via mail and claim delivery may take 15 days. ML will not confirm delivery of or reply to faxes or emails. ML will not return phone calls.

    ML rep may or may not offer to mail you the necessary forms which could take a month – BUT you can access the forms immediately at ML self-service here, Call the help # on the form to ensure entries are suitable as forms are not user friendly and will be rejected if not entered a certain way which you won’t know until a letter arrives in mail a month or so later.

    Example – How to surrender a life ins policy and collect cash value...For life ins – owner is the purchaser, insured may be someone else (ex. Grandchildren), beneficiaries are specified in policy. When owner dies, ownership automatically transfers to their estate. ML requires court documents from will probate process to identify executor of estate. The executor can then transfer ownership of the policies from the estate to themself by submitting the Absolute Assignment form (see self-service link above). The new policy owner can then surrender the policy and receive cash value by submitting the Full Policy Surrender Request form (see self-service link above).

    For best results I strongly recommend accessing the forms from self-service link then fax AND email all necessary forms at the same time (to avoid the month-to-month mailing runaround). Then call customer service to verify receipt. Forms will likely involve dozens of pages with some requiring witness signatures, etc... If dissatisfied with ML service, file a complaint with the Better Business Bureau and/or your State Corporation Commission. I believe both will intervene with ML on your behalf. Again, these comments are based on my personal experience. If you received better service, great. If you had difficulty like me I hope you find these suggestions helpful. Good Luck !

    19 people found this review helpful
    Verified Reviewer
    Original review: March 8, 2021

    My father died January 2 2021. He has a small group life insurance through Ford motor company. It’s 60 days and zero contact from MetLife, unless we call. They said it’s under a internal review. They can’t tell us why or give any timeline. 2 weeks ago they told us they were still looking for paperwork from Ford after we told them we spoke with them. It changed to internal review and they didn’t need anything from us, but can’t tell us what’s going on.

    14 people found this review helpful
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    Verified Reviewer
    Original review: Feb. 3, 2021

    It has been a whole year and Metlife has done everything in their power to make it difficult and eventually impossible to get reimbursed for mental health care my child has received. Unhelpful and DEAF unless I am reviewing them on sites that might affect their bottom line. I am repulsed by the money grubbing revolting priorities this company has. THEY DO NOT CARE ABOUT YOUR HEALTH. If they can deny you coverage. They will. Even after promising IN writing to cover costs. Horrible horrible service and they only answer or communicate with you in an effort to protect their image...not to actually provide the service for which you have paid.DO NOT GIVE THESE CROOKS MONEY. 0 stars is more like it.

    18 people found this review helpful
    Verified Reviewer
    Original review: Dec. 19, 2020

    I have been out of work since September and I have only received one check. MetLife has stalled over and over again. It is now the middle of December and I'm still fighting them. I'm hurt and cannot work and now I have to fight metlife every step of the way. This is not something I should have to worry about. I should only worry about recovery. That is why I have disability insurance to help me if I get sick or hurt and can not work.

    17 people found this review helpful
    Verified Reviewer
    Original review: Dec. 4, 2020

    I have had this policy since my daughter was born. Any questions they will answer. I am saving money and if I need to borrow I can. They have an easy dashboard to use and easy to access. I can see who I am invested in.

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    Verified Reviewer
    Original review: Dec. 3, 2020

    I been trying for 6 weeks to process a policy surrender request. It's been sent back because they wouldn't accept an electronic signature, then wouldn't accept a signature that was not in cursive. None of these requirements were specified on the document.

    11 people found this review helpful
    Verified Reviewer
    Original review: Sept. 13, 2020

    Metlife has not paid my pension after paying premium for 9 year. They just refused to pay saying due to current situation. For what purpose customer save? Do not promise the amount and Pension if you cannot keep your words. We are also in same current situation.

    31 people found this review helpful
    Verified Reviewer
    Original review: Sept. 4, 2020

    It is a long but one time application to fill out and uncomfortably took blood and medical test for my 10 years flat rate of $1 Million life coverage insurance at the age of 53 (till 63). Able to renew every year for ten years at same rate.

    4 people found this review helpful
    Verified Reviewer
    Original review: Aug. 20, 2020

    My life insurance policy has been in place for over 30 years. I've received good service from Metlife throughout that time. I was given the choice between a whole life policy, term life policy and universal life policy.

    5 people found this review helpful
    Verified Reviewer
    Original review: July 22, 2020

    I broke my ankle. Had disability, accident and hospital insurance through them. I sent in documents error sending a page twice and not sending the correct page. I called to verify and found out my error and resent the document correctly. They needed additional information so I waited and sent them my entire hospital chart. I called to check and they received it and they did. I called back on day 8 of 7-10 days they allow. They told me they never received the page of the document that they advised was missing prior. I had sent the page and verified I received it so I was extremely angry. I spoke with a supervisor who told me I had to send the page so I did stating I was not about to wait an additional 10 days. They kept spouting off about their policy. I told them I wanted this resolved immediately. She told me I would get a call back in 24-48 hours.

    I told her that wasn’t acceptable and I would be calling back in 5 minutes and expected to speak with someone to get it resolved today. I called back about 15 minutes later and the apparently only competent representative discovered that I indeed had sent the document in its entirety in June as I had said all along. She said she would email the examiner that information. She was the only one to help me in any way. I have complaints about the phone system also. I had to hang up and recall many times due to a very poor connection. I would be disconnected and only received one call back of five or six disconnected calls. I am asking my employer to seek another carrier.

    31 people found this review helpful
    Verified Reviewer
    Original review: June 11, 2020

    I have MetLife group accident coverage through my work. I have had to make 2 claims. On both occasions I was told initially that all my medical costs were covered and that the ankle fracture I suffered the first claim would pay a minimum of 1000$. I received a total payout of 335$ for all my medical expenses. They wouldn’t even reimburse my crutches or physical therapy visits like they said they would.

    The second time I was assaulted and suffered two fractures in my face. MetLife wouldn’t proceed with the claim unless I gave them the police report which it does not state anywhere in their policy that this is a requirement. It’s accident insurance. It should be covered no matter what. They change their rules to fit their needs and try to find every loophole they can to get out of paying typical insurance company. I had Aflac before and they are 1000% better. A stand up company that honors their agreements. Stay away from MetLife. It isn’t even worth the 3.50$ every two weeks from your paycheck.

    23 people found this review helpful
    Verified Reviewer
    Original review: May 23, 2020

    My mother and I became estranged her last five years here on earth due to her mental illness. My brother and his wife immediately took over and blew through her money. Even making sure he was executor and Power of attorney. I knew she had a life insurance policy. My brother's actions were fishy even after my mother's passing and he put her cremation on his credit card. I called MetLife to inquire. Yes the call center is in another country. However, I had in general questions because I figured both my brother and I were beneficiaries and him being executor I didn't trust I'd see mine.

    I broke down mildly and explained my fear to I call him Indonesian Steven. Steven asked me my name and asked if I'd like to make a claim but he couldn't tell me if I was a beneficiary that claims would call me. I was hesitant because I didn't want to disrespect my brother's position. That is when Indonesian Steven said "Let me explain something to you. An executor or power of attorney can surrender (cash out) the policy regardless of the beneficiary. Would you like to file a claim?" Doing a light bulb and yes I did.

    Within 2 weeks I had claim forms. I was the only beneficiary. Ha! Yes I got a scathing text from my brother. Less than a month I got my check. This company went to bat for me! Even when my brother screwed up the death cert. Then mailed me a letter saying if I could prove her correct birth year only a year difference I would be entitled to another two hundred dollars. Of course, I wasnt going through the hassle. I am soo very thankful for the claims department and " Indonesian Steven" helping, going to bat for me and getting me money and quickly as they did. I would consider getting a policy but they only offer it through business place of employment. Your heirs will not be let down I promise!!

    7 people found this review helpful
    Verified Reviewer
    Original review: May 1, 2020

    I have had a Metlife whole life policy for about 20 years. Would like to discuss options for 1035 exchange or conversion in part to term with surrender. Have made multiple phone calls. Eventually I get someone outside the USA whole struggles with the English language and is unable to answer even the most basic questions. Moreover, the inforce illustrations provided at the beginning were farcically bad. That I am STILL paying premiums to keep this policy going is a bad joke. Horrible product. Horrible service.

    22 people found this review helpful
    Verified Reviewer
    Original review: April 28, 2020

    This company insures Kroger employees for their disability. They have been horrible to my friend Hazel and refused to cover her cancer surgery and treatment at the local cancer hospital, which is a Metlife participating facility. This woman is 78 years old and has very little income and now will probably lose her job at Kroger. Shame on you Metlife!

    25 people found this review helpful
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    MetLife Life Company Information

    Company Name:
    Year Founded:
    1095 Avenue of the Americas
    New York
    Postal Code:
    United States