Auto Insurance

NC auto policies are issued with state-mandated industry-wide coverages.  **See policy for restrictions.

¹ Deductible Savings Benefit^SM is not available in all states. In NY, drivers must pay a state-required minimum deductible before using this benefit.

² Subject to deductible and state availability. See policy for restrictions.

³ Motorcycle insurance is not available in all states. Coverage features and discounts vary and may not be available in all states.

⁴ Does not apply to leased, substitute, or non-owned autos. See policy for restrictions. Not available in all states, such as NC. Subject to deductible. Applies within the first 12 months, or first 15,000 miles of ownership, whichever comes first.

⁵ Auto/Home Multi-policy Discount: A discount will apply to the total policy premium for those insured with both home and private passenger automobile insurance with MetLife Auto & Home. The percentage amount of the discount may vary by state. The Auto/Home Multi-policy Discount is not available to auto policies where the insured's homeowners insurance is a renters policy, and is not available on the homeowners policy, if the auto policy is written in Metropolitan General Insurance Company or at a nonstandard rate level.

⁶ Receive 5% off your auto policy premium when you already purchased qualifying life insurance or annuity products written by Metropolitan Life Insurance Company or an affiliated company domiciled in the United States. In some states, discount available for having qualifying bank account with MetLife Bank�. Not available in all states.

⁷ Telephone quotes are not available in all states.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Fire & Casualty Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company , Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify.

Like most insurance policies, MetLife Auto & Home's policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete costs and details, see your MetLife Auto & Home Representative.

5 Life Insurance Questions You Should Ask

f you're in the market for life insurance, you might have been tempted by those ads claiming that "for just a few dollars a day, you can protect your family with $1 million in life insurance!" It sounds like a great deal, doesn't it? These ads typically refer to trem life insurance. As its name implies, term life insurance provides protection for a limited amount of time - or a specific "term" of years, such as 10, 20 or even 30 years.
It's fairly simple; if you die while your policy is active, your family will receive a death benifit, but the many types of term insurance and options can be confusing. Is term life insurance likely to pay off for you? Start by asking yourself the following five questions.
1. What am I trying to accomplish?Before you buy any kind of life insurance, think about why you're buying it. Are you protecting your family in case of an early death? Have you taken on additional debt that requires you to provide coverage? Are you looking to leave an inherinty to a charity?
Understand that in most cases, term insurance policies do not pay a claim - most people who buy term insurance "outlive" their policy's term. As a result, if you're shopping for insurance to protect financial obligations you may have for a very long time - possibly for the rest of your life - consider exploring another type of policy, called Preamnen Insurance.
If you're in a cash crunch and have immediate obligations to your family, business partners, or lenders, term insurance can provide you with a quick, simple, short-term solution.
2. What's available?Most people will have access to at least one of the two types of term insurance policies: group or individual.

• Group - Most companies offer their employees some form of term life insurance as an employee benefit. This is called group term insurance, because you're getting protection as part of a larger group. Usually it's deducted right from your paycheck and the only requirement for coverage is to complete a brief questionnaire with details of your health history. Here are some of the advantages of group term insurance:
  • It's easy - You can usually sign up for a policy when you take a new job and enroll in your company's benefits program. You may also have an opportunity to sign up during the annual enrollment period at your company; when you may sign up for other benefits, such as medical, dental, .
  • No medical - Most group plans don't require a physical exam. A statement of good health, along with a medical history, is usually all that's required to secure coverage.
  • Automatic payments - Through payroll deduction, you'll hardly feel the financial hit of paying premiums every month.
    
• Individual - As its name implies, an individual policy is one in which you apply for coverage on your own. You - or typically a family member - will own the actual policy. In order to obtain an individual policy, you'll probably have to undergo a medical exam of some sort, provide a detailed medical history, and give the insurance company permission to look into your medical records and perform a background check on any driving offenses and criminal activities. This might sound a little invasive, but there are some great benefits to owning an individual life insurance policy.
  • It's portable - If you take a new job at a different company, you don't have to worry about losing your life insurance protection.
  • Level Premimus - Generally, individual policies can be structured to have level premiums for the duration of the policy; typically this is a 10-, 20- or 30-year period.
  • Flexibility - If you ever want to upgrade or convert your term policy to a permanent policy, you might have more options available with an individual policy than you would with a group plan.

3. What if I don't die?Ironically, some people who buy term life insurance get upset when they find out that if they don't die, they don't get anything back.
If this is a concern for you, it's important to get an understanding of what will happen to your policy as you near the end of the term.

• Premiums go up - Many term policies offer level premiums for several years (10, 20 and even 30 years, for example). As you approach the end of that term, you may have the option of keeping your policy. If you do, you can expect a hefty jump in your premium.
• Might need a new policy - If you are still healthy at this time in your life and you want to keep the coverage, it may be best to apply for a new policy.
• Drop in coverage - Perhaps you only wanted your policy to cover you as long as you had a mortgage, or until your children's college education was paid for. If that's the case and you have no other obligations to protect, you might want to let the coverage expire.
• Upgrade the policy - Most term policies come with a "conversion privilege". This allows you to essentially trade in your old term policy for a new permanent policy.

4. How can I upgrade this policy?As mentioned previously, most term policies allow you to convert from a term policy to a permanent one. This is a great feature that provides future flexibility but because some policies have limitations, you should familiarize yourself with the conversion rules of any policy you're considering. When can I convert?
The conversion privilege might have a time limitation on it, to age 70, for example. Some policies allow conversion during the entire term of the policy.
What can I convert to?
The most generous term policies allow you to convert to any type of permanent policy available, such as whole life, universial life, or variable universal life. Some term policies may force you to convert specifically to just one type, and some companies may not offer all types, which can also limit your options down the road.
5. Where do I buy a policy?Chances are you'll probably hit the major internet search engines first when looking for information about buying a policy. A number of online distributors can provide you with a term insurance policy. These distributors typically focus on finding the lowest cost policy, given the personal information you provide.
For a more personalized experience, you might consider finding a professional. An insurance agent will help you understand all the different variations of insurance - both term and permanent - and should be able to answer any questions you might have. You can find one by visiting any of the major company websites or combing through your local phone books, but probably the best way to find a representative is to ask around for a referral from a friend or business associate.
Finally, for group coverage, you can check with your employer. If you're self-employed, you may have access to a group plan through a professional association, or you may even be able to put a group plan in place for yourself and your employees.
Million-Dollar DreamsAfter going through these five questions, you will be able to decide for yourself if that million-dollar coverage ad is really what you need to provide for you and your family. If it's not, don't be afraid to pass it by - there are hundreds of policies waiting to provide you with the peace of mind you're looking for.

How Is a Whole Life Insurance Premium Calculated?

A whole life insurance premium is the money paid to a life insurance company in exchange for the company�s promise to pay a set amount in accordance with the policyholder�s instructions, upon the death of the insured person. Many factors affect the amount of the premium, the most important of which are the age, gender, health and lifestyle of the insured. Other factors include the costs involved in selling and maintaining the policy, as well as establishing the savings component of the policy, called the cash value.
The age, gender, health and lifestyle of the insured are taken into account by the insurance company, or carrier, when the application for insurance is first submitted. Based on the information provided, which the carrier may choose to verify by sending the applicant to its own doctor for an exam, the carrier may have a very good idea of how long the applicant can be expected to live under normal circumstances. The carrier also knows, based on  of mortality statistics, how many people the applicant�s age can be expected to die in the current year. It is the carrier�s obligation to meet the death benefit claims of that percentage of its policyholders the same age, gender and lifestyle as the applicant that determine the premium charged for life insurance. Lifestyle issues can be particularly influential, with tobacco use especially being considered a major factor in reduced life excpantent..
For example, if a carrier has 1,000 female, non-smoking policyholders age 30, with an average of $25,000 US Dollars (USD) death benefit per policy, and the carrier�s actuarial analysis suggests that 10 of them, or 1%, will die in that year, the company knows it�s probably going to have to pay out about $250,000 USD in death benifith for that particular group of people. Thus, just to meet the death benefit obligation, the carrier must collect a total of $250,000 USD annually from that group, or $250 USD per person � or $10 USD per $1000 USD of insurance. That�s the rate, or "cost of insurance," the carrier will charge a 30-year-old, non-smoking female applicant. The cost of insurance increases annually, as the population ages; a group of people age 40 will have a higher mortality rate than a similar group of people age 30. 
Other items besides the cost of insurance are included in a whole life insurane premiure though. Hazardous occupations, such as firefighting , as well as dangerous hobbies like sky diving or cross-country motorcycle racing, can have a dramatic impact on a whole life insurance premium, if the carrier even agrees to issue the policy. Sales costs are also included in a whole life insurancy policy. and can be significant. Some carriers pay their sales agents a commission of up to 110% of the first year�s premium for certain life insurance policies, although most commissions paid for whole life insurance sales are in the range of 40% - 70% of the first year�s premium. Administrative costs are included in a whole life insurance premium as well; things like office rents and administrative staff compensation. The carrier also includes an amount in the premium as profit.
The other major component of a whole life insurance premium is the savings amount, which is an amount of money that�s invested and retained in the policy as �cash value.� Over time, this can grow to a significant amount, and whole life insurance is often promoted as an investment that policyholders can use to subsidize their retirement. Cash value is an asset that can be borrowed against or used as subject to some restrictions imposed by the carrier. Retired people with whole life insurance policies can borrow from their cash value or just draw it down. The death benefit paid will be decreased by any amounts drawn down, as well as by any outstanding loans. Since  haven�t got the same life insurance needs as their younger counterparts, however, that�s not a disadvantage, according to whole life insurance proponents.
An attractive feature of a whole life insurance policy is that as long as the premiums are paid on time, it remains in force for the life of the insured, and the premiums remain level. Since the cost of insurance can be expected to increase annually, the carrier keeps the whole life insurance premium level year after year by reducing the amount of the premium payment that�s contributed to the cash value by the same amount that the cost of insurance increases.

What is Life Insurance?

Life insurance is a form of insurance that pays monetary proceeds upon the death of the insured covered in the policy. Essentially, a life insurance police is a contract between the named insured and the insurance company wherein the insurance company agrees to pay an agreed upon sum of money to the insured's named  so long as the insured's premiums are currentPeople take out life insurance policies for a number of reasons. Such insurance provides security to family members upon the loss of a loved one. For instance, if the primary wage earner dies in his or her prime, the death benefit received from a life insurance policy will assist the surviving family members in overcoming the burden of the tragic loss. Life insurance can be purchased by individuals, but is also offered as a perk by many employers. Often times, large employers and government employers offer  at no cost to the employee. Should the employee wish to obtain additional life insurance from the employer's insurance company, they can usually do so at reduced rates. The cost of life insurance varies depending on such factors as the insured's age, health, and occupation. For example, the premium for a 25-year-old, male, non-smoker in excellent health will be far less expensive than a similar policy for a 65-year-old male smoker. Similarly, a sky dive instructor would have to pay much higher premiums for life insurance than would a librarian. Life insurance is available in a number of different forms to fit the tastes of the proposed insured. Some of the typical forms of life insurance policies include: whole life, varaible life, and term life. life insurance policies begin with low premiums during the initial stages of the policy and these premiums increase steadily as the insured grows older. There is no cash build-up in a term policy and, accordingly, the death benefit will not increase. With whole life and variable life insurance, a portion of each premium pays for the insurance and the remainder serves as a tax-free investment. A whole life policy sets a premium at the beginning of the policy and that premium does not change over the life of the policy. This form of insurance allows for a cash build-up during the insured's life. This cash build-up can be used during the course of the policy or it will simply serve to increase the death benefit in the end.

Postal Life Insurance

Postal Life Insurance is the oldest organization of its kind in the Subcontinent. Established by the British Raj in 1884, initially to assure the lives of postal mail runners, its services were gradually extended to other government employees as well. Nonetheless, its benefits were not available to general public until 1947. After independence Postal Life emerged as a key player in life insurance business and offered its services to every one.

Postal Life Insurance is the brain child of Ministry of Finance. Pak Post serves as its agent. However Director General Pakistan Post is exclusively responsible for managing, organizing and controlling its operations and marketing its various products. Postal Life is exempted from corporate and income tax. All the money generated is invested in Post Office Insurance Fund controlled by the Ministry of Finance. Pak Post gets a return at the prevailing government investment return rates. This policy ensures security of fund, attractive return and increased public confidence.

Postal Life has an unbeatable presence in the rural areas due to extensive network of post offices. Every post office serves as its outlet. This gives Postal Life an enormous advantage over its business rivals and helps to offer a wide range of insurance policies to customers at the lowest premium while ensuring highest bonus on their investment.

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Is Insurance an Expense of an Income?

When you hear insurance, what exactly cross your mind? Do you think expense? But do you know that insurance can an income to you? Shocked to hear that? Don't be, an insurance policy that you take can help protect your asset from loss believe it or not. Let's look at this scenario, you bought a car for a Fifteen thousand dollars ($15,000.00) and insured it with an embarrassing amount of Seven Hundred and Fifty dollars ($750.00)!  However, it happened that robbers stole the car while packed in you garage, then what do you do? Simple, call your insurance company and report the claim, with full proof and documentation. I bet you if you deal with the right insurance company, you'll be bought another car! No strings attached, no hassles, no excuses. The looking at it well you have another brand new car to replace the lost one. Get an INSURANCE POLICY TODAY!