Affordable Coverage with Fixed Rates for 10 or 20 Years
Get protection starting as low as $3 per month¹. You can get coverage up to $600,000. These rates stay the same for 10 or 20 years.
Plan Features and Benefits:
- Military-specific coverage: No exclusions for war-related deaths or aviation accidents.
- A cost-effective alternative to VGLI, or a way to supplement SGLI for long-term security that extends beyond military service.
- Available for active duty military, veterans, retirees, Federal employees, and their spouses.
- Choose coverage amounts in increments of $50,000, with a maximum of $600,000².
- Non-military spouses can apply for coverage as well.
- Children can be covered for up to $12,500 at no extra cost³.
- Term coverage up to age 75, including an Accelerated Benefit Option that allows access to funds if diagnosed with a terminal illness⁴.
- For those seeking longer coverage, we offer term insurance that can last up to age 90, with gradually increasing rates every five years.
Sample Premiums for Preferred and Select Non-Tobacco Users*
| Benefit Amount | 10-Year Term | 20-Year Term | 10-Year Term | 20-Year Term |
|---|---|---|---|---|
| Preferred | Select | Preferred | Select | |
| Age | ||||
| 25 | $2.92 | $3.73 | $3.09 | $4.07 |
| 30 | $3.00 | $3.77 | $3.99 | $4.86 |
| 35 | $3.12 | $4.08 | $4.94 | $5.94 |
| 40 | $3.80 | $5.25 | $8.02 | $9.91 |
| 45 | $5.69 | $8.34 | $12.38 | $16.38 |
| 50 | $9.21 | $14.20 | $18.87 | $24.72 |
| 55 | $14.05 | $21.58 | N/A | N/A |
| 60 | $21.67 | $33.64 | N/A | N/A |
* Premium amounts reflect male non-tobacco users. They are based on several factors including gender, tobacco use, health history, chosen benefit amount, and age at the time of application.
Download the Paper Application
Additional Information:
- Preferred rates need a paramedical exam.
- Depending on your health, a paramedical exam may be required. But, certain amounts don’t always mean you need it for Select or Standard rates:
- Age 39 and under: Coverage up to $500,000.
- Ages 40 to 49: Coverage up to $200,000.
- Ages 50 and up: Coverage up to $100,000.
- Rates can change based on the group policy and class. “Class” means a group within the policy.
Important Disclaimers:
- The $3/month rate is for healthy, non-tobacco users under 30.
- MetLife will check all applications based on its rules.
- Dependent children under 26 are covered if the member picks at least $100,000 in coverage.
- The Accelerated Benefits Option (ABO) follows state rules and might get tax benefits. Talk to a tax advisor for your case.
Issuer Information:
This life insurance is from Metropolitan Life Insurance Company. The TRICARE Supplement Plan is by Hartford Life Insurance Company.
All policies have specific rules, exclusions, and terms. For full details, contact MetLife or your plan manager.
Policy Form Number: 149107-1-G, by Metropolitan Life Insurance Company, New York, NY, 10166.
