Over 140 years after opening its doors, MetLife continues to be a worldwide leader in life insurance, annuities and employee benefits programs. MetLife insurance reviews and ratings position the company as one of the best in the business with the parent company and its subsidiaries achieving “A+” (superior) ratings with AM Best.
MetLife insurance started selling policies March, 24 1868. What began as a company serving the citizens of New York State has now grown into a global provider of insurance serving 90 million customers in over 50 countries.
In 1879, MetLife recognized a need for “industrial” or “workingmen’s” insurance and became the first insurance company in the United States to provide coverage to these individuals and their families. Today, MetLife Insurance reviews show that the company continues hold a strong position in the insurance industry by focusing on innovation, social responsibility, integrity, financial strength and leadership.
There are those companies out there that are not as aggressive as MetLife, so you will probably want to make sure and do your research. We even work with companies that offer no exam life insurance policies if that is what would be best for your specific health needs at the time. So whether or not you are looking for your first life insurance policy, or you are looking to replace one that you feel is not very beneficial to you, we are here to help!
While a no exam plan sounds like a great option on the surface, there are several disadvantages and drawbacks that you should be aware of when you’re shopping for insurance protection.
With a no exam policy, you’re going to pay more for your life insurance coverage versus if you applied for a traditional insurance plan. The purpose of the medical exam is to give the insurance company an idea of how much risk that you are for life insurance. Without that medical exam, the insurance company is taking all of the risk, and they are going to offset that risk by charging you much higher rates.
The other main disadvantage is that you’re going to be limited to how much coverage that you can purchase. With a MetLife Rapid Term Life Insurance policy, you will have to answer a few simple health questions and then you can get approved for up to $500,000 of coverage. For most families, that won’t be nearly enough insurance. Not having enough coverage is one of the worst mistakes that you could make for your loved ones.
Before you make your final life insurance purchase decision though, we recommend looking into some other company reviews as well, such as our reviews on Zander Insurance, Primerica Life Insurance and United Home.
Our MetLife Insurance Review
MetLife is getting very aggressive with their underwriting guidelines in many risks like epilepsy and diabetes. This is allowing them to be very competitive in many instances without cutting their rates.
And speaking of rates, MetLife’s term life prices continue to be higher than most insurance carriers on the market. However, we recommend that our clients not compare insurance providers based on rates only. Reviews of Met Life continue to show that company has outstanding customer service and strong financial ratings. Those factors along with aggressive underwriting make MetLife an excellent choice for many of our clients.
Also, for individuals looking to insure a child or children, then MetLife is an excellent choice. They offer great whole life policies for children. These policies provide lifelong protection as well as guaranteed premiums, death benefits and future insurability options.
Working with MetLife over the years has been a pleasurable experience for us at Rootfin as well as with our customers. If they are the right company for your risk or situation, our agents would not hesitate recommending MetLife as your insurance provider. We know, from past experience and from reviews of MetLife by our agents and customers, that they will provide you with an excellent product and excellent customer service even to the point of there being a MetLife and Wal-Mart partnership.
Here at Rootfin, we would love the opportunity to earn your business and consider MetLife to be one of our 10 best life insurance companies available. Please don't hesitate to contact us for quotes or for any questions about MetLife or any other top company that could better fit your needs.
Why Choose Us To Represent You With MetLife?
We understand that you have many options when it comes to choosing a MetLife insurance agent. Because of that, Rootfin works hard to provide you with the best customer experience and find you the best rates available for your life insurance needs. Our agents are experienced and trained to both serve and educate our customers.
No matter what your situation or if you have been declined for insurance before, we will work diligently to find you the right coverage for the right price. At Rootfin, we are confident that once you work with our agents, you will never work with anyone else.
Getting Affordable Life Insurance Coverage
One of the most common reasons that Americans don’t have life insurance is because they assume that they are going to have to pay way too much for their insurance protection. In just about every case, that couldn’t be further from the truth. It’s possible to get affordable life insurance, regardless of your health or any conditions that you have.
If you want to save money, there are a couple of ways that you can get lower rates from the insurance company, regardless of which company that you choose. The first thing that you should do is kick your bad habits like smoking or excessive drinking. Both of these are going to raise the rates that you get from the life insurance company. If you’re a smoker, then you’re going to be facing drastically higher rates for your coverage. In fact, smokers are going to pay at least twice as much for their life insurance protection versus what a non-smoker is going to pay for the same sized plan. Quitting smoking can save you thousands of dollars every year on your life insurance policy.
Another way to save money is to improve your overall health before you apply for life insurance coverage. The insurance company is going to require that you take medical exam (unless you purchase a no exam life insurance policy), and the results of that exam are going to impact how much you pay every month. If you want to save money, then you need to get better rates.
The two best ways to improve your health are to start a diet and get regular exercise. Both of these are going to help you lose weight, lower your blood pressure, and reduce your risk of being diagnosed with health complications. If you’re overweight, then you’re going to pay around 50% more for your life insurance.
The best way to guarantee that you’re getting the lowest rates is to compare dozens of plans before you decide which one is going to work best for you. Every insurance company is different, and all of them have different medical underwriting and rating systems that they are going to use. That means that you’ll get drastically varying rates depending on the company that you contact. If you want to ensure that you’ve found the cheapest life insurance, you will need to look at all of the available options.
Instead of wasting hours calling companies, let one of our independent insurance agents. Unlike a traditional insurance agent, our independent brokers work with dozens of highly rated companies across the nation. Our agents can bring a personalized set of quotes directly to you. Working with one of our brokers can save you both time and money on your life insurance coverage.
We appreciate the opportunity to represent you in applying to MetLife Insurance and can assure you we'll obtain the most favorable rate for your insurance coverage. Contact us today with any questions or to get started.
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You never know what’s going to happen tomorrow, which means that you shouldn’t wait another day to get the coverage that your family deserves. You don’t know what life is going to throw at you, contact one of our agents today and we can get the life insurance protection started.