Metlife life insurance

With over 145 years of experience in providing protective cover, MetLife Life Insurance has established itself as one of the most respected providers both in Australia and across the globe.


If the unexpected occurs and your family is hit by tragedy or a serious illness or injury, life insurance can offer crucial financial assistance in your time of need. MetLife offers a range of insurance and retirement solutions to customers across Australia.

MetLife, Inc. is a leading provider of insurance, annuities and employee benefit schemes in more than 40 countries around the world. With a history dating back more than 145 years, MetLife operates throughout the United States, Latin America, Asia, Europe and the Middle East.

If you want to protect your loved ones from the uncertainties of the future, MetLife offers Life Insurance, Income Protection Insurance, Trauma Insurance and Funeral Insurance. These policies are designed to offer flexible and affordable cover for a variety of Australians.

Get a quote for MetLife Life Insurance

Please enter your full name
Please enter a valid email address
It's important to give us a valid phone number
Date of Birth
Coverage is the amount of money that you will be paid in the event of a claim. An insurance consultant can help you determine an appropriate amount. Calculator
Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose.
By submitting this form, you agree to the privacy policy
Get quotes

Cover Options Available from MetLife

Life Insurance

Term Life Insurance from MetLife offers a lump sum benefit payment to your beneficiaries if you die or are diagnosed with a terminal illness. The benefit of up to $2.5 million can be used to help your loved ones pay off the mortgage, manage ongoing expenses and maintain their current standard of living. Policyholders are covered 24 hours a day, anywhere in the world, and cover can be continued until the policy renewal date following your 99th birthday. Other policy features include:

  • $10,000 Advance Funeral Benefit to help your family cover their immediate costs
  • Total and Permanent Disability option that offers a lump sum payment of up to $2.5 million
  • Waiver of Premium option when you are disabled and unable to work
  • ChildCare option is also available and offers a $50,000 benefit when an insured child suffers a specific event, such as malignant cancer, heart attack or quadriplegia

Trauma Insurance

  • LifeCare Trauma Insurance from MetLife provides financial support to your family if you suffer a serious illness or are involved in a serious accident. It offers a lump sum payment of up to $2 million if you suffer a listed trauma condition. Immediate cover is available for conditions such as Alzheimer’s Disease, blindness, coma, major head trauma and severe burns, while you need to serve a three-month waiting period before you can receive cover for events such as heart attack, malignant cancer or stroke. ChildCare Cover is also available for arrange of medical conditions and events. Other features include:
  • LifeCare Continuation Benefit following your 70th birthday
  • Term Life option that offers up to $2.5 million of cover
  • TPD Benefit option

Funeral Insurance

The MetLife Funeral Plan is designed to help your loved ones look after the immediate expenses that arise following your death. You can select a level of cover to suit your needs up to $30,000, allowing your family to cover your funeral expenses, repay credit card debts, and cover any other unexpected medical and household expenses. Applicants aged 18 to 70 can take out cover without undergoing any medical exams or blood tests, while inflation protection allows you to ensure that you continue to have adequate cover in place. Worldwide cover and guaranteed renewability are other key policy features, while those who take out cover of $20,000 or more will receive a 10 per cent premium discount.

  • Income Protection Insurance. When you suffer an illness or injury and are unable to work, MetLife Income Protection Insurance provides an ongoing monthly benefit to replace your usual income. Instead of having to dip into your savings in order to provide for your family, this policy allows you to continue to pay your mortgage and stay on top of any other ongoing expenses. This removes any stress about money and allows you to focus on getting better.

How much will insurance from MetLife Cost Me?

The cost of your MetLife policy will be influenced by:

  • The type of policy you choose.
  • Your sum insured. The more cover you want, the more you’ll have to pay for it.
  • The options you select. Opting for a broader, more comprehensive range of cover than the standard offering will obviously result in increased premiums.
  • Your age. The older you are, the more your insurance will cost.
  • Your gender. Different types of policies cost more for men than for women, and vice versa.
  • Whether you smoke. Smokers are at a greater risk of suffering from an extensive range of medical conditions, and this increased level of risk is reflected in higher premiums.
  • Your medical history. Your overall health and any pre-existing conditions can affect the cost of your policy, as can your family medical history.
  • Your occupation. Working in a job that regularly exposes you to potentially hazardous situations leads to higher life insurance premiums.
  • Your pastimes. Applicants who participate in contact sports and adventure activities are at a greater risk of injury or death, and can therefore expect to pay higher premiums.
  • The premium mode and frequency you select. Whether you choose variable or guaranteed premiums will impact upon the amount you have to pay at each policy renewal, while paying your premium annually is cheaper than paying it half-yearly or monthly.
  • Any premium discounts you might be entitled to.

Some questions you might have about your MetLife policy

How do I make a claim for MetLife Insurance?

As any time when you need to make a claim on your life insurance policy can be quite stressful, MetLife aims to make the claims process as simple as possible. If you intend to claim, you’ll need to provide written notice of that intention to MetLife as soon as possible. You can also contact MetLife on 1300 134 669 to request a claim form, or download the relevant form for your type of claim from the MetLife website.

You’ll also need to provide any supporting documentation that MetLife requests along with your claim form. This could include medical reports, death certificates, test results and more. Once you have sent a completed claim form and supporting information to MetLife, you will be contacted within 10 days.

Interested in receiving a quote for MetLife?

Still not sure if this is the right policy for you or ready to receive a quote? You can make a secure enquiry by submitting your details in the form above. An insurance consultant will be in touch to discuss policies available from MetLife and provide you with a quote for cover. If you are still interested in taking out cover, your consultant can assist you with your policy application.

Was this content helpful to you? No  Yes
Back to top

Read more on this topic

Recommended guides

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

6 Responses

  1. Default Gravatar
    williamFebruary 15, 2019

    I am 79. Can I take out life insurance?

    • Avatarfinder Customer Care
      JeniFebruary 16, 2019Staff

      Hi William,

      Thank you for getting in touch with finder.

      If you consider applying for a cover with Metlife, you may do so as the maximum entry age of Metlife is 79 years old. Kindly fill out the enquiry form on this page that you’re looking at to apply for the cover.

      If you’re still looking around, you may check out this page to compare your options.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    AlanNovember 1, 2017

    Can my husband obtain life insurance and or funeral insurance? He will be 73 in 2018.

    • Avatarfinder Customer Care
      RenchNovember 1, 2017Staff

      Hi Alan,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      If you are referring to Metlife Life insurance, you may fill out the form on the page and click on ‘Get Quotes’ to compare quotes from them.

      You can also have a look on this page and compare your options for life insurance and funeral insurance for Seniors:

      Hope this information helped.

      Best regards,

  3. Default Gravatar
    HelenMarch 27, 2017

    Can I apply for life insurance for my partner and me. Our ages are 66 and 77.

    Thank you


    • Avatarfinder Customer Care
      ZubairMarch 28, 2017Staff

      Hi Helen,

      Thank you for your question.

      You have contacted, a comparison and information service and not actually Metlife Life Insurance.

      Yes, you both can apply for a cover with Metlife as maximum entry age of Metlife is 79 years old. In order to apply for the cover, please fill out the inquiry form on the top of the page.


Ask a question
Go to site