Long-Term Care services consist of qualified care received in a facility or at home for treatment of severe cognitive impairment requiring substantial supervision by another individual to protect oneself from threats to health and safety or the loss of two or more of the six Activities of Daily Living: Bathing; Continence; Dressing; Eating; Going to the Toilet; and Transferring. Examples of Qualified Long-Term Care Services include an adult day care center, home health care, or a nursing home.

Approximately 1 in 2 people turning age 65 will need some type of paid LTC services in their lifetime. * Often, family members are left responsible for this care.  According to recent research, nearly half of Americans that have provided care or have a close friend or family member who has, have reported to have had at least one financial impact on their life; with many of them reporting to have had a physical toll from caregiving. **

* Actuarial Analysis of Long-Term Services and Supports Reform Proposals, Milliman, 2025.
** National Alliance for Caregiving and AARP, Caregiving in the U.S., 2025.

The younger you are when you enroll, the lower your rate.* Your rate will never increase due to age or if you leave your employer through retirement or any other reason.  Also, the younger you are when you enroll, the sooner the certificate’s cash value grows.

*Premium base rates are fixed and based on the insured’s age at time of issue.

This offer is for MetLife’s Worksite Whole Life with ABO-LTC rider. In addition to providing you with life insurance, each month that you qualify for and receive eligible long term care, 10% of the available certificate face amount (death benefit) can be accelerated and paid to you.  Each payment under the ABO-LTC rider reduces the death benefit by the corresponding amount.

The ABO LTC Rider is an acceleration of the death benefits and is not long-term care insurance.  Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of ABO benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of ABO benefits will have on public assistance eligibility for you, your spouse or your family.

The issuing company is Metropolitan Tower Life Insurance Company, an affiliate of MetLife, which is rated A+ (Superior) for financial strength by A.M. Best.

Through this offer only, you are able to acquire this coverage while bypassing the full underwriting process.  If you choose to apply for coverage above the Guaranteed Issue limit, you may be subject to underwriting. MetLife will review your information and evaluate your request for coverage based upon your answers to the health questions, MetLife’s underwriting rules and other information you authorize us to review.

This information will be shown in your issued Whole Life certificate, assuming no loans or withdrawals. You can also see the cash value in your annual statement.

No.  The younger you are when you enroll, the lower your rate.  Your premium will never increase due to age or if you leave your employer through retirement or any other reason.

Yes, you may always cancel your coverage at any time.