MetLife Life Reviews

My experience with MetLife Life Insurance staff was extremely disappointing. There was a clear failure in customer care, and it was evident that my concerns were not taken seriously. The communication was poor, with unnecessary and irrelevant responses that did not address my questions and wasted a significant amount of time. My interactions with Angel and Mika were particularly frustrating, as they provided inconsistent information and showed little effort to resolve my issue. I had to repeat the same details multiple times, yet the problem remained unresolved. For a company of this size and reputation, I expected far better customer service. These staff issues should be addressed, as this experience has significantly reduced my confidence in MetLife. I would like to give "ZERO" stars.

I used MetLife through my work to help with a FLMA claim. They denied the medical documentation that I provided to them, failed to communicate with me on a consistent basis, and forced me to stay out of work. They told me that my claim was denied and unpaid because of the medical documentation. Yet somehow, my doctor said everything was sent over. I had to jump hurdles for MetLife to connect me with anyone that had any helpful information for me. Not to mention, the service members all had different information each time I called? I had to figure out who my case manager was on my own since that was not provided to me. I asked MetLife if I could return to work since they weren’t going to pay me. They said no so I got a second job because my bank account was slipping (obviously). They then tried to hold it against me that I had a second job yet never helped me with the claim or had any form of remorse that I was struggling.

Filed two dental claims in August. The company has confirmed several times that the claims are "in process" and I will hear from them in ten business days. Their representative opened yet another ticket (12.03.25) and said I will hear back in ten business days. I asked to speak to a supervisor and the rep. refused to transfer.

I went in for 2 fillings. A quick browse for an out of network provider says they'd cover 40% of Class B services. Total bill from dentist was $722. They sent me a check for $48. How does that even justify paying for supplemental dental insurance. Frauds.

MetLife Pet Insurance was a god awful nightmare. I submitted a claim only to have them say they needed more info. My vet submitted absolutely everything directly to MetLife, in return they would say they needed more. They wanted 12 months history on 6 month old kittens. And when I repeatedly stated they haven’t even been alive for 12 months to have that kind of history, they would “submit another ticket and wait”. This went on for an entire month. I called 3+ times each week only to continue getting the run around. I finally came to the conclusion that this company had no desire to pay up. I paid over 600$ in cat vet bills and MetLife wouldn’t even apply any of that to the 250$ deductible. I had the plan for several months and MetLife was sure to take my line without ever communicating with me or asking for anything regarding the pets on the plan. Only after submitting a claim they come out with excuse after excuse.

After being transferred to multiple departments, being told conflicting information about my policy being in existence and not being in existence, hung up upon because I asked to speak to a manager, just save yourself some time and get a policy with someone else so you never have to call their customer service. It feels deliberately painful to discourage contact. At no point do you get the impression that they want to help you.

My dad and I were required to submit the same forms three times for my aunt's estate, and then different forms were sent to us to fill out. We did those twice. Long after everything was settled with my aunt's estate, MetLife sent a Visa card in her name rather than the requested check for her estate. Then it was more forms to get the change to check.The check arrived two years after her death.

MetLife is the absolute worst company to try to get service. This is the second week I reached out to them to get dental insurance. I could not complete the application online; the site would not work. I contacted customer service & they kept transferring me back and forward & no one assisted me in expediting the process. If this is how they do business with the application process you can expect them to not do good their other services.

Absolute worst customer service. Transferred to a zillion people who could not help. Was given multiple different stories about my policy, was supposed to have been emailed pertinent forms that never arrived, but most egregiously, no one was able to assist and explain differences in policy action requests. I can't give 0 stars but would if I could. Had to keep calling back, different departments, different numbers. No one should ever have to go through this BS to get feedback and assistance on their own policy.

Working with Christopher F in A&D claims and it has Not gone well! For months I’ve been checking in on the status of my claim since I lost my sight in an accident and we have gotten NOWHERE! They are stressful. Every week for over 16 weeks they are still gathering information which is absurd. How long does it take ? I’ve provided so many records to them and I’ve signed everything on time. Waiting on them for months is not ok.

These bums had my approved claim in limbo from the very first day I filed it. With stupid things like we made a mistake. Jessica G can’t return phone calls to her case load. Now I have to start from scratch again because they are idiots and don’t want to pay out. Losers.

They will find a way to deny all claims. Especially the urgent and emergency ones. Terrible customer service. Avoid at all costs! Avoid at all costs! Avoid at all costs! ! Avoid at all costs! Avoid at all costs! Avoid at all costs!

So, I port some AD&D insurance after I'm laid off and retire, and I had to fill out a form and send it to MetLife. We're leaving the country for 2 years, so I'm motivated to get this taken care of, and they tell me to call in a week to make my payment. So, I do, and when I call, first off, they can't find my forms. Then they find them, but aren't sure if I can pay yet because they didn't know if a bill had been generated. Then they have to boot up their slow system to take my payment. And, they they tell me the system is down and won't accept a payment now.

I have a full life policy with MetLife for last 31 years. They promised me I get enough dividends to cover the premium in 13 years when I started. That did not happen. Now I reached a stage where I no longer needed this. I wanted to surrender this. I have been trying to do this for past three months and I keep getting letter after letter with hurdles. I did the same thing with Mass Mutual in five minutes and I wonder how anyone will be doing business with MetLife like this

This was the worst experience I have ever had. The product may be good when you are paying into it, but I was trying to collect after the death of the account holder. I was strung along for 3 mos telling me what my family would get and when. Turns out none of it was true and no one in the company would honor what the representatives I spoke with promised. Managers would not even return my calls. Once the funds were received, they lied and said I agreed for it to be setup a certain way. No one even gave me choices of how I wanted the funds. Dealing with the death of our loved one was extremely hard and working MetLife made it harder.

I am in the midst of a STD claim with MetLife. Horrible process with Zero communication! I have been diligent to get required documents to them in a very timely manner and have heard NOTHING! I am having surgery tomorrow so called yesterday. I was told they had all the information and my claims person would call me back in 24 hours. 28 hours later, no call so had to call once again to be told that they do not approve the claim until after surgery. They will call me the day after surgery for an interview. I asked, "You will call me when I am in the hospital?" She said yes, that is the process. I told her that makes ZERO sense to expect a patient to be coherent and able to deal with insurance claims one day post surgery!

These people make me want to quit my job and take my 401k. They lie about payment dates, causing me to be late on all bills. This company is HORRIBLE and I wouldn’t recommend getting hurt and needing them, like we can help getting older.

My mother has had life insurance policies on her and myself since 1987. They have been absolutely terrible!!! I would receive bills from them many times and I was not the policyholder, my mom was. I called and spoke to them to correct this action more than six times, this includes speaking to so-called supervisors. They were trying to receive payments from myself and my mom. After so many discrepancies with this company, my mom finally canceled both, mine and her policies with them just a couple of weeks ago. They took a couple of weeks to pay out and can you believe the check for my policy is only $1,370 after paying from 1987 to 2025!!! METLIFE IS A MAJOR RIP-OFF!!!

We are currently in the process of trying to claim my deceased MIL’s life insurance. We are going on 8months of dealing with this incompetent company. They have lost documents that were sent certified, put us off by adding additional forms for us to complete and over all are totally incompetent. I would not ever recommend this company for any type of business.

I have had genuinely the worst experience with MetLife. I have MetLife through my place of employment for STD and LTD. I filed for STD and gave them all of the paperwork they asked for, when extending my claim and not hearing from a single person in weeks, I called and was told it was my fault that they didn't fax my doctor extension paperwork. Further, 8 whole business days after receiving the updated paperwork, I call again to check on my claim and no one is available. Only customer service agents that can't give me a single detail besides "they're reviewing it". When asking if my case worker is available, they are not. When asking if the unit manager is available, they are not. When asking if ANYONE can help, there is NO ONE. I am so beyond upset with the way things have been handled, and if I didn't have to use them because of work, I would never.

TCA MetLife is a joke! They make it so hard to access the account, it's unbelievable. The process is absolutely absurd! The most difficult process I've ever been through. And I'm not even done yet. Still can't access funds. Who takes checks anymore? It's shady.!

I called to find out how to pay online! Spoke with Jason who told me he would transfer me to information technology (it), after getting to it, I spoke with Ryan asking how to pay my bill online. He wanted my policy number, I told him I didn't have it with me and why would he need it for information from him, on how to pay on line. He said all policies don't have the ability to pay online and he would need to check my policy. That's double standards.... Anyone with a policy with MetLife should be able to pay online regardless of the type of policy they may have with the same company....

My recent experience with MetLife has been frustrating. Initially, my claim was approved, and my doctor provided the necessary documentation to extend my disability. However, MetLife has now delayed the payment without clear justification. This prolonged wait is affecting my financial stability and overall well-being. I urge others facing similar issues to thoroughly document all communications with MetLife and consider seeking professional advice if needed. Their claims processing has been far from smooth, and I hope they improve this aspect in the future.

I filed a claim for my significant other two weeks pre-surgery, he needs a shoulder replacement. When I made the initial claim we were told that an adjuster would be calling in a few days, well two weeks later still have not heard back, surgery is in two days. We call back again today, the person who answered phone stated that we should have heard from the adjuster by now, so person transfers us to adjuster, we had to leave a message. Hours later said adjuster calls back to just inform us that she will not make a decision on my significant others claim till after surgery, mind you surgeon pulled him out of work two weeks prior to surgery, he can't lift anything with injured shoulder, he's in constant pain. I called this a bunch of BS!!! Why are we paying for Short Term Disability with this company if this is how they're going to respond? Then adjuster tells us that there is a good chance his claim will be denied. Tell your employers to get rid of this company.

I strongly advise against entrusting your loved ones with MetLife. The company's handling of claims has been inadequate, and the process of recovering funds is very time consuming with little to no customer support. Customer Service is located in the Philippines and is hard to understand - most times when calling - due to language barriers. Calling to follow up on a claim receive different answer and timeframe each time. I have called five times sometimes told 5 days, then 10 days, once told 30 days. Today I am told that there is no timeframe for the type of claim I have as an ex-wife. That they cannot give me any type of timeframe. Each person is different. Asking for someone to call me with update seems impossible, as they don't have time for that. I question; how does MetLife measure their service with they themselves don't have timeframes on claims?

If I could rate a zero. I would. The representative are utterly awful! They do not know what they are doing, they are rude, screaming at me. I had to wait longer than 25 minutes just for someone to hang up on me. They will not transfer over to a supervisor. I am not trying to be rude, but hiring immigrants who cannot speak or understand English to pay them at a lower rate is NOT okay Metlife. That is how you lose customers! Looking for a new insurance company now!

I thought that dealing with Brighthouse was bad till I started to deal with Met Life's withholding payment for months with one roadblock or another. My mom is 100 and request a full payout so as to make repairs on her house. Metlife has required her driver's license or passport. 100 years don't drive or travel. I submitted a POA which they acknowledge and now are just stalling saying that they received the request on a certain day then on the next call saying they haven't received or it is in process. I've been told on 3 separate call that the issue has been escalated. I did receive a call from a supervisor as requested who just said they would escalate it. Apparently, a catch phrase for "we are stalling". Oh but they will take your payment on time for sure.

Don’t be fooled by the cute Snoopy/Peanuts ads for MetLife. After more than 20 phone calls and a dozen emails I am still no closer to receiving my mother’s death benefits almost 5 months later. All her other policies have paid us months ago. It’s like they have a script; each time I call they tell me one thing I need to do, or is missing, or they can’t read and wait 7-10 business days. When I call back after the allotted time period, they tell me another hoop to jump through. Although they claim to have sent me notification of the problem, I never receive any emails or regular letters.

I had to call customer service to change my payment method. What a fiasco! The website doesn't work, won't load my accounts. I had to talk to three people to get this done and 30 minutes later, it is finally completed. It was so bad!

Worst experience with customer service I've ever had and I mean ever. This guy did everything to avoid a cancelation. It got into a yelling match because of the crap he was pulling. Like he needed personal info on a cancelation. I knew right then that's their mo. Avoid and try to confuse so you'll leave. I will call my bank to make sure these cons don't get my money. My advice go somewhere else. Don't let my mistake become yours too. And btw I never did get my confirmation email I was supposed to.

I am the attorney and personal representative for an estate in Michigan, and I have called MetLife five times in an attempt to cash in a fully-paid, fixed annuity on behalf of the estate. Each time, MetLife's agent 1) acknowledged that the delay was unacceptable, 2) apologized for the delay, 3) promised to "escalate" the claim, and 4) promised to call me back. I have also submitted claims on MetLife's website, and via email. No agent has ever called me back. One agent said that I needed to submit a specific claim form, but then refused to send me that claim form. If this is how MetLife treats beneficiaries, then I do not expect it to be in business much longer.

Like, others, I would put a negative star if that were an option. I am sorry that so many people are struggling to get paid, to get answers and to deal with this company especially after losing loved ones. With 500 1-star reviews this appears to be ripe for some kind of action. My husband and my experience seems insignificant compared to others, but I have to agree with someone who said this company excels in obfuscation. It's as if they want to throw up every conceivable barrier so that you give up and you have nowhere left to turn. You're lucky if you can get a warm body to speak to you. But once you do, keep your expectations low.

You can never get the same person to help with a problem. Every time I call in, I get transferred three times and no person will ever give their direct contact number. I've had a check returned with no explanation for why, in writing, or in a call. This is not the Metlife of pre-public times. It's obvious Metlife has put legacy individual life insurance policies on the low priority list and is focusing the business on a more profitable group business.

If I could give my own rate on MetLife would be negative trillion stars, especially as a grieving mother who lost her son three years ago, I am STILL going through hell with MetLife!!!! It’s always something, and they said today they sent me a letter April 3,2025? Today is April 28,2025 and no letter!!! They are the worst ever!!! Prudential is The Best, they put my son’s life insurance in my account fast like a week after my beautiful son passed away three years ago that allowed us a beautiful Celebration of Life!!! And they just needed his death certificate, no hassles on his week in ICU, or Police reports!!!!

As a beneficiary of my grandfather, who recently passed away, I have encountered difficulties with MetLife since January. Despite numerous requests, I have yet to receive any payout from his insurance policies. Customer service representatives have repeatedly assured me that they will address my concerns, but their actions have been inconsistent. They often delay correspondence by 7-10 business days and require me to submit the same paperwork repeatedly.

It looks like I am not the only one having trouble with MetLife. I had a simple insurance policy. Claiming it has taken months due to many errors on their part including not allowing me access to the beneficiaries as executor but sending me all the beneficiaries forms to my address. Followed by stating there was a claim on the estate costing me time and money to process more paperwork that was requested in error. This error delayed processing the claim again. Now I have to write a denial letter for the second time because they didn't give me the right instructions the first time and get it notarized to process the claim. They have an entire department dedicated to complaints, likely because they have to deal with this frequently.

Since January 2025 each month I have tried to access the app by logging in and continuously receiving an error message that my accounts are not linked but when I log into the website I can access all of my Metlife accounts without issue. When I contacted customer service, the agent was rude and repeatedly asked me for the same information. He kept asking me to log into the website and I told him that my accounts are already linked in the website and it is the app I am having the issue with.

Insurance is expensive. Claim processing takes months. And They don’t cover any procedures for acute illnesses as they get away with writing it off as “preexisting illness”. You’re just paying for air.

Terrible company. They give you a case manager who doesn’t call you back. They send things through the mail to ensure you miss a deadline. They give you a wrong number that goes to a scam saying congratulations. You qualify for a special promotion. I paid for this. They make it hard to file anything. Don’t update your info in the website. The phone system is a battle to get around the AI prompts when you finally research a working number. Everyone you contact transfers you to the wrong dept.

Non-functional website, phone system, customer service absent. Documents and transactions not available on metlife.com. Eservice.metlife.com gives 404 error. Wrong phone numbers printed on the statement.