MetLife Life Reviews

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.

Last November I got my bill about eighteen days before it was due. Knowing how pokey they are, yes even with payments, the next day. About three days before due date I checked with my bank and it hasn’t been submitted yet. I called Met Life and blamed the post office. What should I do? About the third person I talked to said I could pay now with a credit card. I asked what would happen, if I did, and the check surfaced? I was told that the bill would show up as paid so they would dispose of it. Fine, but not the end. Several days later I checked with my credit card bank and it showed as received. I then checked with my bank and the check showed processed the day after the credit card did. I called Met Life and after checking, they said I could apply it to the next quarter payment. Give me the cash, and that took two weeks.

I would like to start with they have the worst customer service you can barely understand them. I been dealing with a dental claim since Aug, 2024 here we are Feb, 2025 their punch line every time I call they are missing some information, they have everything they need. I think they stall us so we give up so they don't have to pay out. I ask for a supervisor, no one around to talk to you. I ask for a return call, they say within 24-26 hrs to receive a call. This is my 4th time requesting a call nothing, yet the rep called my dentist, they gave them the same info that they have on file. Dental office said, "I don't understand what you need, you have everything." Office said, "I can fax you the same info rep shared." "We don't have a fax." "Send by portal." "What's the name," had no clue... It's been a stressful situation. I dealt with a claim 2 years ago. It was the same outcome it took a year to receive my share which wasn't much.

Horrible company. Procrastinate, obfuscate and irritate is their mantra. One of the worst, maybe the worst in the history of mankind, with which to interact!!! Don't touch them with a ten foot pole. The word that comes to mind starts with "L" and preceded by "Habitual"!!!

This is the most dysfunctional business I have ever dealt with. The company I work for runs their maternity leave though NYML, and by the time my six week leave was over they were finally processing my claim. Trish from the disability services department was one of the rudest people I have ever encountered. Good luck if you have to deal with them.

It is not only frustrating beyond belief but, it is scary how incompetent the claims department is. Unless of course they are just bold faced liars! I have been struggling to get a claim processed for 6 months due to them ‘needing more information’ directly from the dentist. The dentist has in fact provided the necessary info 4-5 times!!! My dentist and I have BOTH been on the phone MANY times and have been nothing but gaslit and lied to. Do not give this company your business. My employer has switched dental coverage to a different provider and I can see why! They will give you the ‘run around’ endlessly and lie, lie, lie! And that’s if they even actually call you back or communicate the proper expectations to process your claim.

MetLife has to be one of the most disorganized, and poorly managed, large corporations! Customer service staff are polite but very poorly trained and each of them give you a different solution to issues. The company is operating with archaic technology and even supervisors have no idea what policies or conditions apply to clients. Clients end up jumping through hoops and never getting to a conclusion because they themselves have no idea of the policy requirements. Perfect example of a company operating under incompetent management and the customer taking the brunt.

They have the worst customer service department. You could ever imagine you have to give them your policy number 5 times and they still don't remember it. They're ignorant people "Who" have NO👎👎NO customer service skills!

I wished there was 0 star or negative number of stars. On August 14, 2024 I had a stroke. It is now 12/26. As soon as I was able to I filed a claim for a 10000 critical illness policy that I had with them, I sent about 100 pages of supporting documents including my doctor's note with his signature and stamp and along with release of medical information signed to them. Much later, about a month later when I call them they had put the whole thing on hold without notifying me, time for a laugh, they needed my Neurologist's signature on a form, had I not called them, I wouldn't know and they would void the claim, I guess that's what their intention was.

I filed a Critical Illness claim on September 20th. I uploaded multiple documents including documents showing the results of a kidney biopsy showing I had cancer. A Physician's Statement was requested and given to Metlife on multiple occasions. They were given all the medical records that UW Hospital has from July 2024 through November 2024 including records showing I had a radical nephrectomy to remove the cancer. Metlife states they still need records to confirm that I had kidney cancer.

I broke my toe. They paid me 450, but a month later my toe was so infected that it had to be amputation. I was in hospital for 5 days and when I filled the claim MetLife said it was because of infection not an accident so they denied my claim completely. But gave me a runaround for a month. I'm looking for a lawyer to make this right. Thanks.

My Son received a letter stating that I had died and that he should submit a claim. Their information was based on a Social Security Index. The date of death was my Father’s and it was 13 years ago! We have different middle names, and obviously differently social security numbers. When I tried to fix this, I had to call several times as the agent didn’t seem to know what they were doing!

I’m extremely disappointed with how my claim has been handled by Metlife Critical Illness Insurance. Despite my doctor’s diagnosis of valvular stenosis and recommendation for valve replacement surgery, the company wrongfully denied my claim, insisting that I needed a Coronary Artery Bypass Graft (CABG), which is not even the appropriate treatment for my condition. This shows a serious lack of understanding of basic medical conditions.

I have been trying to pay my Met Life policy premium for 2 days online and their website keeps telling me that it does not recognize the policy number. I called customer support and they transferred me to the tech support who also could not help. They said I could pay it by mail. So evidently MetLife trusts the USPS a lot more than I do, so here you go MetLife, I am sending your payment via snail mail, good luck to you. I hope this doesn't end up with the many other pieces of mail that the USPS can't seem to deliver.

My parents both passed away in 2019. I have no experience with life insurance. I called them and they told me that there was certain paperwork to file because my mom was still alive and my dad insured her. I completed it and sent it back. I called shortly after and was told it was received. Unfortunately 5 months later my mom passed. I called to file the claim, which wasn’t huge and all they have done since then is give me excuses why I can’t have the money. One of their representatives even told me I did everything I was supposed to. Now I'm trying to get the $3,000+ that is left in a Total Control Account from my dad's claim. Nothing but empty promises and lies! I’m to pay cancer bills. They don’t care. They owe me $20,000 for mom and the $3,00+ that’s left for dad. They are thieves!

Claims are being held up because MetLife fails to coordinate benefits, despite the fact that both my wife and I have coverage with MetLife. They overpaid a dentist. There is "a reduction in benefit's from future claims" until the overpayment is recovered. Problem is, they are asking the dentist for an amount greater than the overpayment.

This company does not care about supporting the well-being of people who they take from but cares strongly about withholding the profits they have made from people. When it is time to use the benefits that they supposedly offer you have to fight through all of your physical and mental pain to get the help you need. This company operates off of very inhumane practices. I only gave 1 star because there is no other choice.

My husband was in the hospital for two days for cardiac issues and this company makes it so hard to file a claim for hospital indemnity. All businesses need to drop this company and go to Aflac or something else and if I don't get my payment here in the next two weeks since it's been over 30 days I will file a complaint with the Insurance Commissioner because this is fraud. A class action lawsuit might benefit some also looking at all the reviews.

My story goes back over 20 years ago. I thought my wife and I were buying into a good solid Insurance company. We both have life insurance policies and Long term health care policies. Up to a couple of years ago they sold off all their personal insurance polices. There is no one to speak to in the United States. They don't sell any personal polices any more. If you need information on your polices the number you call is in some country in Asia. Anyone who buys any kind of insurance from Metlife has to be totally insane.

Well me and my wife got Covid-19 under the critical illness insurance suppose be covered. It managed by my employer. Paid into it for 5 years. I filled out one form for myself and uploaded proof of Covid -19. And three days later my wife came down with Covid. Needed to upload form for her I had appointment with my doctor to get the doctor's statement, and was also waiting for my wife to get a doctor's statement the critical insurance requires and lo behold I get a denial letter. How can you give denial letter when all the paperwork has not arrived yet? Along with 45 days to appeal. Don’t have time to play games. Doctor's visits cost $300.00 each time. They were not there when we needed them the most.

If I could give 0 minus stars I would! Please get Aflac if you're able to. They want all your medical records, all your test results to make a decision on your claim. Made a claim in June, here it is August, had to start a new one because they "lost it", had to make a new claim. I've been out of work a month with no pay!! They act incompetent and lost as to what's going on. After I'm done I'll never do business with them again!! Prepare to wait a month and longer just to even get one check. And they'll lie and say they sent paperwork knowing they didn't!!

I purchased these policies through my employer. I was then called by one of their sales representatives to explain the benefits before I finalized my year-long benefits. I was told it was just like Aflac and I could use it for doctor's visits and for hospital visits to the emergency room for accidents and illness. I've been out of work for a week now. I've used up all my vacation and sick time, and decided to look into my benefits that I've been paying for since October. To begin with the call was answered by a rude woman who didn't seem like she wanted to be where she was, or doing her job, or speaking to me. When I explain my situation and asked about how do I go about filing a claim for my benefits. She told me that I could use neither my accident plus supplemental insurance, or my Hospital insurance.