While we are not affiliated, sponsored, or connected to Metropolitan Life Insurance Company (MetLife) or its related entities, we have worked with enough clients holding life insurance policies with the company that it seemed relevant to provide a blog article addressing this particular company. Similar to other life insurance providers, there are certain nuances to holding a policy, placing a claim and working through their appeals process when it comes to working with MetLife. While MetLife currently offers “eService” for those interacting the client, we still recommend reaching out to a MetLife agent for assistance and verification of process over the phone or via email. That being said, let’s take a look at their “eService” options.
When visiting the MetLife website, you can easily guide yourself to the eService page. Something to take note of is the disclaimer language the company places near the bottom of the page. This is common practice for any company working from a website, as it offers them a certain base of legal protections. As for MetLife, they aim to point out the fact that their policies will contain “exclusions, limitations, reductions of benefits and terms”. Essentially, they are trying to point out that policyholders and claim filers cannot expect contract language to be mirrored between different policies. They need you to review policy documents to make sure you understand your rights, obligations and recourse options in the event things go south.
Beyond the base legal analysis of documentation with MetLife, feel free to browse their site and use their efficient resources as needed. Their web portal provides information to file a claim, a link to their claim form and some basic information to help beneficiaries get the process started. Additionally, you can find forms for a wide variety of needs a customer of MetLife might have. Some examples are documents to change beneficiaries on a plan, request a loan, set up electronic payments, or even surrender a policy. Any one of these documents may come in handy at any point in time, so it is a good idea to reference this page when possible.
Finally, their service page offers a list of customer support contact numbers. Whether you believe you need it or not, we personally think giving them a call early on in the process of filling out any forms is a good idea. Make sure you are pointed in the right direction so as not to be forced to do repeat or extra work later on. If you are current with modern technology and prefer to avoid paper documents, you can always enroll in their paperless system. Taking multiple steps to get yourself set up electronically and verbally through a phone call can go a long way towards an overall positive experience with any insurance provider.
As an additional reminder to our readers, do not be discouraged from reaching out to an attorney for consultation before getting too deep in to matters. While we cannot speak for other law offices, a consultation with our office is free and it does not hurt to schedule an appointment just to see if legal counsel or attention is needed.
If you have a delayed or denied life insurance claim, our life insurance attorneys will get you the full amount of the policy.