Welcome to the online hub for MetLife's individual life and disability insurance underwriting.

We believe in Underwriting in Sync - partnering with you and delivering seamless service that helps move your business forward. Explore this site to learn more.

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Five common myths about life and disability insurance underwriting
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News & Updates

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    Interactive Medical Impairments Guide Launches
    The new, interactive version of this guide allows producers on their laptop or tablet to find detailed descriptions of the underwriting considerations for both life and disability insurance for more than 30 medical conditions.
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    Second News
    The new, interactive version of this guide allows producers on their laptop or tablet to find detailed descriptions of the underwriting considerations for both life and disability insurance for more than 30 medical conditions.
    Learn More

5 COMMON MYTHS
ABOUT LIFE AND DISABILITY INSURANCE UNDERWRITING

Woodstock
Myths
Myths
Myths
Myths
Myths
Myth #1:

Underwriting
is Complicated

FACT
MetLife makes the process easier to navigate through case partnership.
Charlie Brown
With your MetLife case manager and underwriters helping you, the process is easier to navigate.
We have specialized Life and DI underwriters to handle your clients' specific needs:
  • Experienced Underwriting Team
    80% with 10+ years of experience
     
  • Life Large Case Unit Group
    Handles cases over $10 million or for clients age 76+
     
  • Service Relationship Team
    Where available, helps resolve issues and improve the underwriting process for new business cases
     
We regularly publish articles to help demystify field underwriting.
Myth #2:

It's Tough to Get
Applications
Approved

FACT
Nearly half of:
  • - Life applications are approved at a Preferred or better class
  • - DI applications are approved without a rating or exclusion
Peanuts
FACT
Nearly half of Life applications are approved at a Preferred or better class.
 
FACT
Approximately 60% of DI applications are approved at the best class.
MetLife has some of the highest DI coverage limits in the industry.
MetEdge can often improve ratings for life applicants rated table B or C.
  • Frequent Flyers
    Preferred rates for frequent international travelers.
     
  • Members of the Military
    Life insurance coverage for members of the military.
     
  • Business Owners
    Special DI incentives available for business owners.
     
Myth #3:

The Underwriting
Process is Too Long

FACT
We're committed to responsibly placing your policies as quickly as possible.
Snoopy
The MetLife underwriting process can be faster than you think.
Life Jet Issue Team
Handles your client's need for speed — policy issue speed, that is.
 
Simplified DI Underwriting Program
Up to $6,500 in DI coverage with fewer requirements and up to $10,000 with BOE. Decisions typically available within 48 hours.
 
Myth #4:

My Claims
Won't Get Paid

FACT
We pay more than $4 billion in Life and DI claims annually.
Rainy
We've been keeping our promise for more than 145 years. When your clients need us most, MetLife will be there to deliver on our promise of coverage.
Myth #5:

Underwriting Doesn't
Support an Easy Life / DI Cross-sell.

FACT
At MetLife, individual Life and DI Underwriting are one underwriting organization, applying best practices to bring you a more seamless, efficient process.
Snoopy
Collaborative underwriting processes and shared systems help us make faster decisions.
Clients who purchased a Life insurance policy in the last 12 months may be eligible for a 5% premium discount on a future Disability insurance policy.
We're developing new tools that take Life and DI field underwriting to the next level and help you:
Manage Expectations
Set client expectations early.
 
Increase Efficiency
Reduce back and forth during the underwriting process.
 
Educate
Easily explain to clients how various factors impact their policy premiums.