With 150 years of experience, the MetLife companies are a leading innovator and a recognized leader in protection planning and retirement and savings solutions around the world.

You can enroll if you:

• Are a regular full-time or a regular part-time working at least [30 hours per week within 90 days of service].
• Are actively at work on both the date the enrollment form is signed and the effective date of coverage.
• Meet the eligibility requirements on the enrollment form.
• Are a U.S. citizen or U.S. permanent resident.

Note: You can enroll in coverage amounts equal to between [X to X] times your [eligible earnings], subject to a minimum amount of [$XX,XXX] and a maximum of [$X,XXX,XXX].

If you enroll, you can also enroll these family members:

• Your legal spouse [/domestic partner].
• Your dependent children or those of your spouse [/domestic partner].

You can enroll your spouse [/domestic partner] in any amount between [$XX,XXX] and [$XXX,XXX] in increments of [$XX,XXX].

You can enroll your children in the following benefit amount [s]:[$XX,XXX and $XX,XXX].

Important Definitions

Your Spouse/domestic partner of an [employee] who is legally married to the [employee] based on the laws of the state of residence
[Domestic Partner: A person of the same or opposite sex who:

• Shares the [employee's] permanent residence
• Has resided with the [employee] continuously for at least one year
• Is financially interdependent with the [employee]
• Has signed a domestic partner declaration with the [employee]
• Has not signed a domestic partner declaration with any other person in the last 12 months
• Is no less than 18 years old
• Is not currently legally married to any other person
• Is not a blood relative any closer than would prohibit legal marriage

Dependent Children: The unmarried child of an [employee] who is:

• 14 days of age, but less than 19 years old
• 19 or more years old, but less than [25] years, and primarily financially supported by the [employee]
• 19 or more years old, and primarily financially supported by the [employee], and incapable of self-sustaining employment by reason of mental or physical handicap

The term "child" means a child born to, legally adopted by, or under legal guardianship of the [employee]. It also means a child living with the [employee], and born to or legally adopted by the [employee's] spouse [or domestic partner]

You can enroll anytime!

At certain times you may be allowed to enroll in the Group Universal Life plan by not completing as many questions. These times include:

1. Within [60] days of your initial eligibility date.
2. During special enrollment periods as offered by your employer and the insurance provider.
3. Within 30 days of marriage.
4. Within 30 days of the birth or adoption of your first child. Coverage for a newborn will begin when the child is 14 days old, however the application for coverage could be received immediately following the birth.

Your cost is based on several factors including your age, any special features you select, and the amount of coverage you want. Also, you may be eligible for a premium discount if you do not use tobacco.

To get a free, no-obligation online quote, click the "Enroll Now" button.

When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.

Perhaps the best advantage of Group Universal Life Insurance is the availability of a special interest-bearing, tax deferred account. Accumulated cash value, if any, can be withdrawn tax-free up to an amount equal to your cost basis. Tax-favored loans and withdrawals may be available.¹ You can access the money whenever you want and for whatever you want. You can also take a loan against the value in your cash fund and continue to earn interest on the borrowed amount. Minimum withdrawal amount is [$XXX].

 

¹In general, participants may withdraw cash value equal to premiums paid without tax consequences although less favorable rules may apply in the first 15 years. However, if the funding of the certificate exceeds certain limits, it will become a “modified endowment contract’ (MEC) and become subject to “earnings first” taxation on withdrawals and loans. An additional 10% penalty for withdrawals and loans taken before age 59½ will also generally apply. We will notify you if a contribution would cause your certificate to become a MEC. Withdrawals and loans reduce the death benefit and cash value, thereby diminishing the ability of the cash value to serve as a source of funding for cost of insurance charges, which increase as you age.

In addition to the advantages of this plan over other life insurance options, this plan offers even more special benefits:

• [Nonsmoker rates: Reduced rates are available if the insured has not smoked or used any form of tobacco for 12 consecutive months prior to the date you complete the enrollment form. (If the insured qualifies at a later date, you may change your rate to nonsmoker by completing a smoker change form.)]
• Automatic Coverage Increase: Your employee coverage will automatically increase annually by [insert client specific terms]%. If you would like to opt out of this feature you must contact Mercer Voluntary Benefits.
• Accelerated Benefit Rider:
  • An advance payment of your life insurance benefits is available if you are diagnosed with a terminal illness with a life expectancy of [X months or less].
  • You can request payment up to [XX] percent of your coverage amount, up to a maximum of [$XXX,XXX].
  • Advance payment permanently reduces the death benefit.
  • Premiums must continue to be paid on the remaining coverage amount after an advanced payment.
  • This benefit is available to you and your covered spouse [/domestic partner].
• MetLife Advantages^SM
  MetLife Advantages is a comprehensive suite of meaningful services and benefits available at no cost to participants of the GUL program. Click on the links below to learn more about each of these valuable services.
  • Estate Resolutions Services
  • Estate Resolutions Services Frequently Asked Questions
  • SpecialCare Program
  • Will Preparation Services
  • Will Preparation Services Frequently Asked Questions
  • Delivering the Promise
• Children's Portability Privilege: When your child is no longer an eligible dependent, he or she can apply for an increase in coverage up to 5 times the amount of the children's rider not to exceed $50,000, as long as the group policy is still in effect. The child will be issued a Group Universal Life certificate and will be eligible to contribute to a cash fund. The request for coverage must be made by writing to Mercer Voluntary Benefits within 31 days of the date the child is no longer an eligible dependent.
  
  A Children’s Portability Privilege is not available for a disabled child. Children's coverage may be continued for a disabled child as a rider to the existing adult Group Universal Life certificate. The dependent rider may remain in effect as long as the employee or spouse maintains coverage. Please contact Mercer Voluntary Benefits to request continued coverage for a disabled child.

If evidence of good health is required...
Coverage is effective on the first of the month after coverage is approved by MetLife.

If evidence of good health is not required...
[Coverage is effective the first day of the month in which your first payroll deduction begins.]