Life Insurance
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Life Insurance by MetLife
We prioritize your financial security and peace of mind. Life insurance ensures that your loved ones are taken care of financially should the unexpected happen.
Through MetLife, we offer comprehensive life insurance plans, including Accidental Death and Dismemberment (AD&D) coverage and customizable voluntary life insurance options that can be tailored to your family’s needs.
With these benefits, you gain access to valuable services that offer support, planning resources, and protection for today and tomorrow.
Benefits of the PFFA Life Insurance Plan
First responders face unique risks every day. The MetLife Life Insurance Plan provides crucial financial security for you and your family, ensuring they are supported in times of need. Below are the key features of the plan:
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Accidental Death & Dismemberment (AD&D)
Provides financial benefits in case of accidental death or serious injury.
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Customizable Life Insurance
Tailor your voluntary life insurance coverage to meet your family’s specific needs.
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Comprehensive Support Services
From grief counseling to will preparation, our life insurance plan includes valuable services for you and your family.
Questions to Help You Choose
To make the most informed decision about your life insurance coverage, consider the following questions:
Consider your family’s long-term financial needs, such as mortgage payments, education, and living expenses.
If the basic coverage isn’t enough, you can customize your voluntary life insurance to ensure your family is fully protected.
Take advantage of the will preparation and estate planning services to ensure your assets are distributed according to your wishes.
Support, Planning, and Protection Services
Our life insurance plan is not just about coverage; it’s about offering complete support for you and your family through life’s most challenging moments. Below are the services included:
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Grief Counseling with Funeral Planning
Support for your family during the most difficult times, with access to counseling and help with planning funerals.
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Beneficiary Grief Counseling
Your beneficiaries will receive grief support and assistance in managing their loss.
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Delivering the Promise
Personalized help to guide beneficiaries through the claims process and next steps.
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Total Control Account
Manage your life insurance payout with a flexible, interest-bearing account.
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Travel Assistance
24/7 emergency assistance when traveling more than 100 miles from home, including medical services and document replacement.
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Support Services
Life Insurance Key Features
Feature | Description |
|---|---|
Wide Coverage Options | Choose from various coverage amounts to fit your family’s needs. |
Tax-Free Death Benefit | Your beneficiary will receive the death benefit without paying income taxes. |
No Underwriting Requirements for Certain Amounts | Some coverage amounts are available without medical exams. |
Competitive Group Rates | Take advantage of competitive group rates, reducing the cost of life insurance. |
Life/AD&D Overview
The life insurance and AD&D coverage through MetLife provides options for both employer-paid and employee-paid benefits.
Type of Coverage | Details |
|---|---|
Basic Life/AD&D Coverage | Employee Life / AD&D coverage of $50,000. |
Voluntary Life/AD&D Coverage | Choose increments of $10,000, up to a max of $500,000. |
Dependent Child Life/AD&D Coverage | Coverage for children: $1,000 to $10,000, up to the spouse's coverage. |
Spouse Life/AD&D Coverage | Increments of $5,000, up to 50% of the employee's coverage, max of $150,000. |
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Will Preparation
Free access to legal services for preparing a will that aligns with your wishes.
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Estate Resolution Services
Assistance with legal matters relating to the settlement of your estate.
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WillsCenter.com
An online tool where you can access and create your will.
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Funeral Discount & Planning Services
Save on funeral services through a network of providers and access planning tools.
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Digital Estate Planning
Secure your online assets and social media profiles through digital estate planning.
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Planning Services
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Coverage for Active Employees
All active employees are covered, ensuring your family’s financial security in the event of an emergency.
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Services for Workplace Transitions
Maintain your life insurance coverage through job changes or other transitions with portability options.
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