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Metlife Life Insurance Ratings

Ranked No. 3 Overall
Customer Satisfaction Ratings (based on 184 survey results)
Customer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a FriendA.M. Best
Effective as of:

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

out of 100
May 29, 2019
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Reasons for Buying from Metlife

Customers of Metlife originally decided to purchase from the company for these reasons:
Recommended by friend or family member22%
Offered best price16%
Saw TV commercial11%
Saw online ad7%
Financial Strength rating7%
Was the company my parents had7%
I had other insurance with this company5%
The company website and mobile apps are easy to use and helpful2%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 49%
I probably would recommend this company. 36%
Neutral 13%
I probably would not recommend this company. 2%
I would not recommend this company. 0%

What kind of insurance do you have?

Whole 48%
Term 29%
Both 21%
Other - fill in 1%

How much do you pay annually for your life insurance policy

$501-$750 27%
$251 - $500 22%
$751-$1,000 13%
$1,001-$1,500 13%
less than $250 11%
More than $2,501 6%
$2,001-$2,500 5%
$1,501-$2,000 3%

Website and Apps

How easy to use and how helpful they are
43%Excellent - Gives me what I need and more
41%Good - Fulfills my needs
10%Never visited/used website or mobile app
5%Just okay - Fulfills some but not all of my needs
1%Unsatisfactory - Doesn?t fulfill my needs, website/app is severely lacking

How You Prefer to Deal with Insurers

36%In person
27%Interactive website
2%Smartphone app
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About MetLife

Life insurance policies offered

  • Term life
  • Guaranteed acceptance whole life
  • Whole life
  • Universal life
  • Variable Universal life
  • Survivorship life

Best Life Insurance Companies: How MetLife Stacks Up

Metlife did well in the Best Life Insurance Company survey coming in the top five in most of the ranking categories. Metlife earned third place overall and for price. It also took fifth place and earned four stars for the new rating category of ease of use of website and apps.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Allstate's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For life insurance, MetLife (NAIC# 65978) had a complaint ratio of 0.51 for individual life insurance and 0.22 for group life insurance for 2018. 2019 complaint numbers will be available in 2020.

Company Background

Protecting life and limb

The origins of Metropolitan Life Insurance Company (MetLife) go back to 1863, when a group of New York City businessmen raised $100,000 to found the National Union Life and Limb Insurance Company. The new company insured Civil War sailors and soldiers against disabilities due to wartime wounds, accidents and sickness. In 1868, after several reorganizations and five difficult years, the company decided to focus on the life insurance business. A new company was chartered to sell "ordinary" insurance to the middle class.

Contact information

Corporate headquarters

MetLife Life Insurance Company
200 Park Avenue
New York, NY 10166
Life insurance customer service: 1-800-638-5000

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