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UNDER AGE 40AGE 40-49AGE 50-59ADDITIONAL T&C

AVAILABLE TO BOTH YOU AND YOUR SPOUSE/DOMESTIC PARTNER

$20,000 Life Insurance with $40,000 AD&D Coverage
  • The Promotion offers coverage for $5 for the first 3 months if you apply during your first 60 days of membership
  • This coverage would entitle your beneficiary to receive total proceeds of $60,000 in the event of an insured’s death due to a covered accident
  • Coverage is GUARANTEED as long as you have not been hospitalized within the last year other than for pregnancy7
  • At the end of 3 months your rate is based on your age and smoker status
Up To $50,000 Life Insurance with $100,000 AD&D Coverage
  • Coverage is GUARANTEED as long as you have not been hospitalized within the last year other than for pregnancy and one additional health question7
  • Rates for coverage are based on your age and smoker status
  • Must apply within your first 60 days of membership
Up To $100,000 Life Insurance with $200,000 AD&D Coverage
  • Just a few health questions, no exam or blood test required
  • Rates for coverage are based on your age and smoker status
  • Eligible to apply anytime

TERM LIFE RATES

Below is an illustration of MetLife’s current 5 year age-based rates that apply. This should enable you to get a good idea what the current cost of coverage would be for you based on the level of coverage you select.

Rates are subject to change.

Premium shown is per person (member/spouse) based on a non-smoker. Child coverage is $1.95/month for $10,000 term life to include children aged 15 days – 19 years.

This offer is only available to members of NFICA.

LOGIN OR JOIN

AVAILABLE TO BOTH YOU AND YOUR SPOUSE/DOMESTIC PARTNER

$10,000 Life Insurance with $20,000 AD&D Coverage
  • The Promotion offers coverage for $5 for the first 3 months if you apply during your first 60 days of membership
  • This coverage would entitle your beneficiary to receive total proceeds of $30,000 in the event of an insured’s death due to a covered accident
  • Coverage is GUARANTEED as long as you have not been hospitalized within the last year other than for pregnancy7
  • At the end of 3 months your rate is based on your age and smoker status
Up To $50,000 Life Insurance with $100,000 AD&D Coverage
  • Coverage is GUARANTEED as long as you have not been hospitalized within the last year other than for pregnancy and one additional health question7
  • Rates for coverage are based on your age and smoker status
  • Must apply within the first 60 days of membership
Up To $50,000 Life Insurance with $100,000 AD&D Coverage
  • Just a few health questions, no exam or blood test required
  • Rates for coverage are based on your age and smoker status
  • Eligible to apply anytime

TERM LIFE RATES

Below is an illustration of MetLife’s current 5 year age-based rates that apply. This should enable you to get a good idea what the current cost of coverage would be for you based on the level of coverage you select.

Rates are subject to change.

Premium shown is per person (member/spouse) based on a non-smoker. Child coverage is $1.95/month for $10,000 term life to include children aged 15 days – 19 years.

This offer is only available to members of NFICA.

LOGIN OR JOIN

AVAILABLE TO BOTH YOU AND YOUR SPOUSE/DOMESTIC PARTNER

$10,000 Life Insurance with $20,000 AD&D Coverage
  • The Promotion offers coverage for $5 for the first 3 months if you apply during your first 60 days of membership
  • This coverage would entitle your beneficiary to total proceeds of $30,000 in the event of an insured’s death due to a covered accident
  • Coverage is GUARANTEED as long as you have not been hospitalized within the last year other than for pregnancy7
  • At the end of 3 months your rate is based on your age and smoker status
Up To $25,000 Life Insurance with $50,000 AD&D Coverage
  • Coverage is GUARANTEED as long as you have not been hospitalized within the last year other than for pregnancy and one additional health question7
  • Rates for coverage are based on your age and smoker status
  • Must apply within the first 60 days of membership
Up To $25,000 Life Insurance with $50,000 AD&D Coverage
  • Just a few health questions, no exam or blood test required
  • Rates for coverage are based on your age and smoker status
  • Eligible to apply anytime

TERM LIFE RATES

Below is an illustration of MetLife’s current 5 year age-based rates that apply. This should enable you to get a good idea what the current cost of coverage would be for you based on the level of coverage you select.

Rates are subject to change.

Premium shown is per person (member/spouse) based on a non-smoker. Child coverage is $1.95/month for $10,000 term life to include children aged 15 days – 19 years.

This offer is only available to members of NFICA.

LOGIN OR JOIN

ADDITIONAL TERMS AND CONDITIONS

  1. If eligible for and take coverage under the promotional offer, after the first 3 months of coverage, coverage can be increased without additional health questions to $25,000 Life Insurance with $50,000 AD&D. The cost is determined by the age and smoker status of insured.
  1. All offers afford the option to elect upon the original application an Annual Automatic Benefit Increase (ABI). Coverage up to an additional $25,000 Life Insurance and additional AD&D of $50,000 at the amount of $5,000 Life Insurance with $10,000 AD&D each year for a maximum of 5 years. Rates are based on your age and smoker status. If you decline the ABI in any year, you forfeit the future opportunity to add coverage.
  1. You may cover an unlimited number of your children¹ for $10,000 Life Insurance coverage from age 15 days to age 19, 23 if a full time student. Flat rate of $1.95 per month applies.
  1. You may elect to receive up to 80% of your Life Insurance coverage, to a maximum of $100,000 in the form of Accelerated Benefit² in the event you are diagnosed with a terminal condition and have 12 months or less to live.
  1. Life Insurance Reduction Schedule
    • At age 65 reduces by 50%
    • At age 70 reduces to $10,000
    • Terminates age 80
  1. Supplemental AD
    • 200% of the amount of your Life Insurance coverage
    • Reduction Schedule
    • At age 65, reduces by 50%
    • At age 70, reduces to $20,000
    • Terminates age 80
  1. Medical question required. If medical question is answered unfavorably, you do not qualify for this promotional offer however, you can obtain voluntary accidental death and dismemberment insurance. You must be performing your normal activities for coverage to become effective.
  1. Exclusions:
    We will not pay benefits under this section for any loss caused or contributed to by:

      • physical or mental illness or infirmity, or the diagnosis or treatment of such illness or infirmity;
      • infection, other than infection occurring in an external accidental wound or from food poisoning;
      • suicide or attempted suicide;
      • intentionally self-inflicted injury;
      • service in the armed forces of any country or international authority. However, service in reserve forces does not constitute service in the armed forces, unless in connection with such reserve service an individual is on active military duty as determined by the applicable military authority other than weekend or summer training. For purposes of this provision reserve forces are defined as reserve forces of any branch of the military of the United States or of any other country or international authority, including but not limited to the National Guard of the United States or the national guard of any other country;


      • any incident related to:
        • travel in an aircraft as a pilot, crew member, flight student or while acting in any capacity other than as a passenger;
        • travel in an aircraft for the purpose of p arachuting or otherwise exiting from such aircraft while it is in flight;
        • parachuting or otherwise exiting from an aircraft while such aircraft is in flight, except for self-preservation;
        • travel in an aircraft or device used:
        • for testing or experimental purposes;
        • by or for any military authority; or
        • for travel or designed for travel beyond the earth’s atmosphere;
      • committing or attempting to commit a felony;
      • the voluntary intake or use by any means of:
        • any drug, medication or sedative, unless it is:
        • taken or used as prescribed by a Physician; or
        • an “over the counter” drug, medication or sedative taken as directed;
        • alcohol in combination with any drug, medication, or sedative; or
        • poison, gas, or fumes; or
      • war, whether declared or undeclared; or act of war, insurrection, rebellion or active participation in a riot.
  • Exclusion for Intoxication
    We will not pay benefits under this section for any loss if the injured party is intoxicated at the time of the incident and is the operator of a vehicle or other device involved in the incident.
    Intoxicated means that the injured person’s blood alcohol level met or exceeded the level that creates a legal presumption of intoxication under the laws of the jurisdiction in which the incident occurred

¹ Children need to be unmarried, dependent on insured for support and not on active duty in the military.

² The Accelerated Benefits Option is subject to state regulation and is intended to qualify for favorable federal income tax treatment, in which case the benefits will not be subject to federal income taxation. This information was written as a supplement to the marketing of life insurance products. Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you, your spouse or your family.

This offer is only available to members of NFICA.

LOGIN OR JOIN

Questions?

Why is life and accidental death and dismemberment insurance important?

It’s a cost-effective way to help protect your family and finances in the event something happens to you. For many people, it helps ensure that if something unforeseen should happen, short and long term financial obligations could be met. It’s important to take steps to make sure your family would be financially prepared if you were no longer there to handle expenses like:

  • Mortgage or rent payments
  • Utilities
  • Insurance premiums
  • Child care/education fees
  • Transportation
  • Credit card bills

Accidental death and dismemberment benefits (AD&D) can help provide financial security should a sudden, covered accident take your life or cause you serious loss or harm. This coverage complements your life insurance coverage and can help protect you 24 hours a day, 365 days a year.

I already have life insurance through my employer. Why get more?

While having some life insurance provided by your employer is a great benefit, chances are it may not be enough to adequately provide for your family. Additional life insurance can give your family greater financial security

What additional plan benefits are included?

The following additional plan benefits is / are included / available:

Grief Counseling2: Access professional support in a time of need. Meet in-person or by phone with a licensed counselor to help cope with a loss or major life change.

Will Preparation Services3: Helping to ensure your final wishes are clear. Get help preparing or updating a will, living will or power of attorney.

Estate Resolution Services3: Settling an estate with confidence. With unlimited consultations, either in person with an attorney or by phone, including court representations.

Accelerated Benefit Option4: Elect to receive a percentage of your life insurance in the event that you become terminally ill and are diagnosed with no more than a specified amount of time to live.

Funeral Planning Assistance2: Honoring a loved one’s life. Work with compassionate counselors that assist with customizing funeral arrangements with personalized one-on-one service.

Total Control Account®5: Provides your loved ones with a safe and convenient way to manage life insurance proceeds.

Automatic Benefit Increases: May increase your initial benefit amount.

Dignity Memorial®6: Get access to the largest network of funeral homes and cemeteries to pre-plan with a counselor and receive discounts on funeral services.

Waiver of Premium: Life insurance can continue and no further premium payment may be required if you become disabled prior to age 60 and remain disabled for six continuous months.

  1. Benefit is dependent on type of covered loss. See certificate of insurance for complete details.
  2. Grief Counseling and Funeral Planning Assistance are provided through an agreement with LifeWorks US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. The Grief Counseling program does not provide support for issues such as: domestic issues, parenting issues, or marital/relationship issues (other than a finalized divorce). This program is available to insureds, their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss. Events that may result in a loss are not covered under this program unless and until such loss has occurred.
  3. Will preparation and MetLife Estate Resolution Services are offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and affiliates, Warwick, Rhode Island. For New York-sitused cases, the will preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond will preparation. Tax planning and preparation of living trusts are not covered by the will preparation service. Certain services are not covered by estate resolution services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.
  4. The Accelerated Benefits Option (ABO) is subject to state availability and regulation. The ABO benefits are intended to qualify for favorable federal tax treatment, in which case the benefits will not be subject to federal taxation. This information was written as a supplement to the marketing of life insurance products. Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of ABO benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of ABO benefits will have on public assistance eligibility for you, your spouse or your family.
  5. Subject to state law, and/or group policyholder direction, the Total Control Account is provided for all Life and AD&D benefits of $5,000 or more. The TCA is not insured by the Federal Deposit Insurance Corporation or any government agency. The assets backing TCA are maintained in MetLife’s general account and are subject to MetLife’s creditors. MetLife bears the investment risk of the assets backing the TCA, and expects to earn income sufficient to pay interest to TCA Accountholders and to provide a profit on the operation of the TCAs.
  6. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensed funeral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 Allen Parkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. Not available in some states. SCI offers planning services, expert assistance, and bereavement travel services to anyone regardless of affiliation with MetLife. Discounts through Dignity Memorial’s network of funeral providers have been pre-negotiated. Not available where prohibited by law. If the group policy is issued in an approved state, the discount is available for funeral services held in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT, ND, SD, and WY). For TN, the funeral services discount is available for “At Need” services only. Not approved in AK, FL, KY, MT, ND, NY and WA.

What is AD&D?

AD&D insurance can pay you a benefit amount if you have a covered accident that results in paralysis or the loss of a limb, speech, hearing or sight. If you suffer a fatal, covered accident, benefits will be payable to your beneficiary.

What does AD&D cover?

This extra protection can help provide financial security should a sudden, covered accident take your life or cause you serious harm. This coverage compliments your life insurance coverage and can help protect you 24 hours a day, 365 days a year. (Please see your Plan Summary for details.) This protection may cover you for:

  • Paralysis
  • Fatal accident
  • Brain damage or coma
  • Loss of limb, speech, hearing or sight

What special features would be included in my plan?

This plan can pay additional benefits if you die as a result of an accidental injury while:

  • Seat belt(s) are in use
  • Air bag(s) are in use while wearing a seat belt
  • Traveling on a common carrier (e.g., commercial airline)

Please refer to the Additional T&C page for details.
All insurance and insurance effective dates are subject to final underwriting approval.
Coverage may not be available in all states. Please call NFICA’s plan administrator at 1-833-241-2368 for more information.
Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact call NFICA’s plan administrator at 1-833-241-2368 for costs and complete details.
Policy number 218356-1-G
Metropolitan Life Insurance Company  |  200 Park Avenue  |  New York, NY 10166
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