MetLife

1,050 Reviews

MetLife is one of the world’s largest insurance providers, and it offers coverage options for homes, cars and more. Here are a few other key things to know about MetLife:

2.6 / 5 rating from WalletHub editors
3.6 / 5 average rating among users. Read reviews.
A- BBB rating
Provides auto/home insurance, retirement planning services, health/dental coverage, annuities, life insurance and more.

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MetLife Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 03/29/2023.

3.6

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WalletHub
June 1, 2021 • @WalletHub

editor's review

MetLife Insurance Review

MetLife is a pretty good insurance company and is rated 2.6/5 by WalletHub’s editors, based on customer reviews, insurance quotes, and ratings from third-party organizations. MetLife scores well when it comes to the types of insurance options available and customer service, but poorly in areas like discounts. Not offering 24/7 live customer support lost MetLife a few points, too.

On the bright side, MetLife reviews from consumers tend to focus on the company’s affordable prices and good customer service. Its NAIC score is 1.00, too, which means the company has received fewer complaints than the average car insurance provider its size. When customers have complained, it’s usually been about unexpected delays or denials of claims payments.

MetLife Insurance Ratings

Reviews on WalletHub: 3.6/5
J.D. Power: 4.1/5
NAIC: 1.00
BBB: A-
A.M. Best: A+
S&P: BBB+
Moody’s: A3

MetLife Auto Insurance Review Highlights

Rank — Most expensive quartile among major car insurance companies, according to WalletHub’s research.

Top Discounts — Defensive driving, deductible savings, and MetRewards® (up to 20% in savings if you don’t have claims/violations for 5 years).

Basic Coverage Options — Bodily injury liability, property damage liability, medical payments, comprehensive, collision, and uninsured/underinsured motorist.

Extra Coverage Options — New car replacement, legal defense benefits, roadside assistance, and major auto parts replacement.

Other Specialty Auto Insurance — Commercial auto insurance, rideshare insurance, and classic car insurance.

To help drivers better understand how much MetLife car insurance costs, WalletHub’s editors obtained sample MetLife auto insurance quotes for a mix of driver profiles varying in age and driving record. You can learn more about these sample quotes in the Methodology section of our full MetLife insurance review.

MetLife Auto Insurance Quotes

Driver Profile	Average Quote
18-Year-Old	$247 / month
21-Year-Old	$158 / month
45-Year-Old	$76 / month
45-Year-Old with a Speeding Ticket	$99/ month
45-Year-Old with a DUI	$480 / month
55-Year-Old	$73 / month
65-Year-Old	$86 / month

MetLife is pretty expensive, as it ranks in the fourth quartile in WalletHub’s cost comparison.

MetLife Home Insurance Review Highlights

MetLife offers several customizable homeowners insurance policies. It also offers coverage for renters, condo owners and landlords.

MetLife Homeowners Insurance: A homeowners insurance policy from MetLife will pay to rebuild/repair your home and replace your personal belongings, sometimes without price reductions for depreciation, if they are damaged from fire, hail, tornadoes, theft and other risks. MetLife’s liability coverage will also help pay for legal fees in case someone gets hurt, or their property gets damaged, while visiting you at home. There’s even added protection from identity theft included in every MetLife homeowners insurance policy.

MetLife Renters Insurance: Renters insurance from MetLife will pay up to the actual cash value to replace or repair your belongings that get stolen or damaged by covered perils. The company also offers specialty protection options in some states to cover electronics, sports equipment, musical instruments and other luxury items no matter how they get damaged or lost. Similarly, if you own a condo, MetLife offers coverage for your personal belongings and space, which your building’s master insurance policy won’t protect.

MetLife Landlord Insurance: Finally, MetLife’s landlord insurance protects your buildings, structures, and property you rent out, as well as any of your belongings that are stored on site or used by tenants. It also covers loss of rental income, as well as legal fees in case of an accident on your property. However, landlord insurance is not available in all states.

All in all, MetLife offers a good selection of homeowners, renters, landlord, and condo owner insurance options that can be customized to fit your budget. There’s also 24/7 customer service, as well as discounts for bundling a home policy with another MetLife insurance plan.

Bottom Line: Is MetLife a Good Insurance Company?

Yes, MetLife is a pretty good insurance company. WalletHub’s editors give MetLife insurance an overall rating of 2.6/5 for its affordable prices, good claims process and nationwide availability. However, MetLife could improve its customer service practices and offer more discounts.

To learn more, read WalletHub’s complete MetLife insurance review, or check out some of the reviews from fellow consumers below.

Product: MetLife Car Insurance

Comment

Paula Miller
July 15, 2022 • @milleronthego

The WORST!! My parents purchased a second to die life insurance policy in 1991 to help pay for food and shelter for my disabled brother when they were both deceased. My father passed away, but my Mom is now 93 years old and the cost of insurance for their policy has exploded. Further, should my Mom live to 100 the policy implodes and is worthless, yes 0 dollars! MetLife is charging us $396,000 to keep enforce a $100,000 policy over the next 6 years. This is unethical, unjust and while it may not be criminal it should be! Refer to MetLife’s code of conduct, “helping families thrive”, well they are helping my disabled broth potentially be homeless and die! Buyer beware!!!

Comment

ironhideautotrans
March 29, 2023 • @ironhideautotrans

MetLife claim they will pay
100% - x-rays exams, cleaning
70% - deep cleaning, fillings
50% - crown, root canals, bridges
NO Deductible. BUT each time I’ve been to the dentist I’m left with a bill because of some bs excuse of why MetLife denied the claim. This company is GARBAGE and I would not recommend it to ANYONE. I will spread the word here and everywhere. Don’t waste your time RUN!

Product: MetLife Health Insurance

Comment

A random Person
March 19, 2023 • @brianscherschel

Terrible company. Refused to pay out life insurance and then tried to hold onto the money with the total control account scam. They make you wait months for the money and they lie and say that they give the money in 5 business days. What a joke.

Product: MetLife Life Insurance

Comment

peony27
March 16, 2023 • @peony27

My husband died 2 1:2 months ago, last correspondence was over a month ago, call over and over and over no response from case manager at all, she’s not at her desk now, 45 YEARS he paid in and no help no money no anything it’s not our problem. They got about $200 payments every 2 weeks for 45 years and all I get are comments like maybe he was murdered and don’t raise your voice to me ma'am. No one should be treated like that at the worst time of their life.

Product: MetLife Life Insurance

Comment

pamelatgould
March 13, 2023 • @pamelatgould

I had money with MetLife as a variable annuity for years. When I attempted to roll over an account balance from this company into a qualified IRA account with another organization it took hours of my time and weeks to process. The company makes this process very complex, communicates problems with the transaction via postal mail (!), takes days to "process" requests/emails/etc. and call wait times are regularly over 20 minutes if you call to check on progress. This company seems to be making accessing funds overly burdensome for consumers in order to prevent people from removing funds from their accounts. In fact, my funds were not able able to be transferred for weeks after my initial request which undoubtedly makes them money.

Specifically:
-The withdrawal form was very challenging to fill out, with difficult instructions and was a pdf-- not an online form
-I was required to get "permission" from my former employer (not required by other companies) via a "wet" signature
-Phone agents repeatedly provided inaccurate information, including: whether I needed a notarized spouse signature, use of electronic signatures, portions of the form needed to be filled out
-I was emphatically told that my emailed forms (emailed twice) were not received; however, when I asked to speak to a supervisor the agent claimed to have "found" the forms I'd sent in
-When a form had an electronic signature, they did not perform the transaction and I was not informed until I called; they claimed to have mailed me a written paper notice-- but I never received that. Note that I'd called and waited on hold to ask if I could use electronic signatures. The agent said yes.
-I was required to get "permission" from my spouse, including a requirement written on the form to get a notarized signature which, when I called to ask (waiting on hold) they said said the signature was required but I could skip getting it notarized
-After waiting on hold for 30 minutes to see if my now found forms had been processed, the agent said a check had been sent. I asked for an email confirmation, and he first stated that he could not provide confirmation except by paper in the mail. Only after I insisted there must be a way over and over was he able to figure out that he COULD email to me.

This is not just a customer service problem, their burdensome and difficult processes are preventing/delaying people from withdrawing money that belongs to them, enabling the company to keep funds for additional time.
Describe what you would consider to be a fair resolution to your complaint.
If has not happened by the time this is considered, I would like access to funds; I would like the company to be required to simplify and speed up the process so that consumers are able to access their funds using a clear process with prompt results. I do not think they should be allowed to lie to consumers about not receiving forms or not being able to send confirmations except by mail after lengthy processing times.

Product: MetLife Annuities

Comment

juice_83
March 8, 2023 • @juice_83

My husband has Short-term disability insurance with MetLife that he has been paying for a while now. He had heart surgery on 1/30 so we made the claim on 2/2. We submitted all the paperwork and everything and they told us that we where all set. A week goes by and we call again to receive an update on the claim and we were told that more information was needed. We gave all the needed information with doctors names and phone numbers and they said, ok all set. Time goes by and nothing. We call again and they said they are waiting on the cardiologist to send the doctors note, so my husband went to the cardiologist and was informed that all the information was submitted to MetLife. We get a letter (mind you that everything they send it 20 days behind) saying that they need the cardiologist notes so we called and explain that the notes were submitted and that the short term disability was approved, blah, blah. We got the letter stating indeed that he has been approved and so we called an is the second week of February and they said that the check was sent. We wait and wait and nothing. We called again and they said that a check was sent on the 21st of February and will take up to 10 days (wth!). We waited 14 days and no check arrived. We called again and they said that no one said the check was sent on the 21st but on the 28th. Is 3/8 and NOTHING YET!. We called again today and they said that there is no record of no checks been sent (OMG) that no one told us that (so now we are lying???). Side note, we called and we gave our bank account so we can have the checks deposit right away and nothing. My husband called again and they said they have not received the cardiologist notes yet which is BS. So now we are waiting for the person that has his case to call because every time we call we get transfer to another agent and no one knows anything. THE WORST INSURANCE EVER!!!

Product: MetLife Disability Insurance

Comment

lutielane
February 8, 2023 • @lutielane

I have had a METLIFE Long Term care policy since the early 2000s. My semi annual rate has gone up every year but mostly since around 2018-19. Not just gone up but way up, especially as of June 2023.
JUNE 2021 SEMI ANNUAL
2126.20 new
1991.38 from
134.82. Increase

JUNE 2022 SEMI ANNUAL
2912.89 new
2126.20- Got some relief but had to give up inflation %. - 1895.72 June/Dec 2022
AFTER ONE YEAR AS OF JUNE 2023 - 2221.79 - 326.07 semi annual increase over $700 annually.

The reason for the increase is stated in their letter as: "due to how long policyholders keep their policies, how long policyholders live, frequency and severity of claims. Premium increases are necessary on "certain" long term insurance policies."
1. They are telling me that I have lived too long.
2. Being a long-term policyholder is a burden to them. They would like for me to cancel and keep the thousands of dollars I have given them
3. What do they mean by "certain long term insurance policies"? What makes me a "certain" long term policy holder.?
4. ML blames all this on the Tennesse Insurance department even though they ask for a much larger % increase - as much as 37% and only get a smaller amount.

Another interesting note is that in 2010 they stopped offering LTC policies "but they would still serve current holders. When people like me - retired, on fixed budgeted income, are forced to either pay up, shorten the number of years of use or not use inflation %tage, its really unsettling and scary.

The powers that be will never see this review. They don't care. It's the bottom line and the shareholders they have to please not the clients. All about $$$ and that they still get their 7 figure salaries which I help pay for.
Lane Nichol

Product: MetLife Long-Term Care Insurance

Comment

Leonard baker
February 3, 2023 • @lenny_baker

5 hours and 6 people talked to. Everyone transfers me to another person, they assure me that THEY can handle the matter. No help yet.

Product: MetLife Life Insurance

Comment

brad_m_martin99
January 17, 2023 • @brad_m_martin99

Have them through my work for Dental - really unimpressed. While I haven't had any problems with claims so far, that has less to do with their competency and more to do with the fact that I cannot get a dental appointment as they are unable to update their website with active dentists. Their out-of-network benefits, at least through the plan I have, are atrocious, too. I called to ask what those are and mentioned to the rep that there aren't any dentists available. She said that they had "just updated their list this morning." Since that 'update,' I have found one dentist that is 200+ miles from my search area, 2 dentists who have totally retired and sold their practices, and double-digit dentists who are not actually accepting new patients despite what Metlife's website says. I guess it's an effective business model to charge monthly for services but make it too difficult to find a dentist to use them with....

Product: MetLife Health Insurance

Comment

Fred Scuttle
November 10, 2022 • @myjunkshere

What a scam MetLife is.
I had a dental implant and they would not cover it because the extraction and graft performed previously was not done under this current plan. However, previous plan was ALSO MetLife. Same policy type, different group - because of a job change. 4 years of premiums paid, $0 coverage on this legitimate, necessary procedure.
And their customer "service" is useless.

Product: MetLife Health Insurance

Comment

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MetLife Q&A(16 questions)

Does State Farm offer liability car insurance?

Upvotes

McKayla Girardin, Car Insurance Writer

Yes, State Farm does offer liability car insurance. State Farm liability car insurance is available in all 50 states, costs an average of $86 per month ($1,032 per year), and pays for other drivers' injuries and property damage if you are at fault for an accident. State Farm also offers other major types of car insurance such as collision coverage and roadside assistance.

What State Farm Liability Insurance Covers

Medical expenses for others. Bodily injury liability insurance (BI) covers medical bills for other people if they are injured in a car accident that you cause. BI may also cover lost wages for others if they are unable to work due to their injuries.
Property damage. Property damage liability insurance (PD) pays to repair damage to others' property, such as their vehicles or fences, caused by an accident you're at fault for.

Cost of State Farm Liability Car Insurance

State	Average Premium
California	$86 per month
Texas	$68 per month
Pennsylvania	$59 per month
Ohio	$48 per month
Georgia	$128 per month

Note: This is a sample of premiums from some of the states where State Farm liability car insurance is available.

Most states require you to purchase at least $25,000 in bodily injury liability insurance per person ($50,000 per accident) and at least $25,000 in property damage liability insurance to meet the minimum coverage requirements.

To learn more, check out WalletHub's full review of State Farm and our guide to liability car insurance.

What rating does MetLife insurance have?

Upvote

WalletHub

MetLife is rated A+ by AM Best, a credit rating agency that determines an insurance company's financial strength and ability to pay claims. MetLife also received a rating of 1.00 from the National Association of Insurance Commissioners (NAIC), meaning MetLife has an average number of consumer complaints.

MetLife Insurance Ratings

AM Best: A+
NAIC: 1.00
BBB: C-
Standard & Poor's: AA-
Moody's: Aa3
Average User Rating on WalletHub: 3.6/5

To learn more, check out MetLife's profile on WalletHub.

Does MetLife offer rideshare insurance?

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WalletHub

No, MetLife does not offer rideshare insurance anymore. MetLife no longer provides any kind of auto insurance coverage, since the company sold its home and auto insurance business to Farmers Insurance in April 2021.

Current or prospective MetLife auto insurance policyholders can reach out to Farmers Insurance to ask about rideshare coverage, since Farmers does offer rideshare insurance.

What is the MetLife NAIC number?

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WalletHub

The main MetLife NAIC number is 65978. MetLife's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With MetLife's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers will need MetLife's NAIC number to report fraud or file an insurance claim, as well.

Although the main MetLife NAIC number is 65978, the NAIC has assigned a separate code for each of MetLife's affiliate companies, which are listed below. You can find the number that applies to your particular policy on your MetLife insurance card.

MetLife NAIC Numbers

Company Name	NAIC Number
Metropolitan Life Insurance Company	65978
MetLife Health Plans Inc	14170
MetLife Reinsurance Company of Charleston	13626
MetLife Reinsurance Company of South Carolina	12232
MetLife Reinsurance Company of Vermont	13092
Metropolitan General Insurance Company	39950
Metropolitan Tower Life Insurance Company	97136
American Life Insurance Company	60690
Delaware American Life Insurance Company	62634
Safeguard Health Plans Inc (TX)	95051
Safeguard Health Plans Inc (FL)	52009
SafeHealth Life Insurance Company	79014
Superior Vision Insurance Plans of Wisconsin Inc	52005

Does MetLife have free towing?

Upvotes

WalletHub

Yes, MetLife does offer free towing for customers who have the company's roadside assistance coverage. MetLife roadside assistance generally costs $5-$7 per year and includes towing services up to $50 for basic plan subscribers. MetLife customers can request roadside assistance online, or they can call 1-800-854-6011.

MetLife Roadside Assistance Covers:

Towing services up to $50 for basic plan subscribers
Jump starts
Flat tire change
Lockout services
Winching

While MetLife's roadside assistance covers towing and other services, it doesn't cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

MetLife Contact

What type of help do you need?

Visit Website

800-638-5433

opens at: 2pm

200 Park Avenue

New York, NY 10166

Local MetLife agents:

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