The NYSUT Member Benefits Trust-endorsed Level Term Life Insurance Plan provides benefits you can depend on for up to 20 years*, with premiums that are not scheduled to go up and benefit options that will not go down. The plan provides benefits up to $1 million, if under age 65.
Coverage may not be available in all states.
*You and your spouse (or certified domestic partner) are eligible for the 20-year plan if under age 55, the 15-year plan if under age 60 and the 10-year plan if under age 65.
Level Term Life Insurance offers premiums that will not increase for the length of term you select. Your premium will remain level and your benefit amount will not decrease during the initial term due to your age or health status. (The insurance company does reserve the right to change premium rates, but may only do so for all insureds covered under the group policy.)
Please read the materials for complete details, including rates and eligibility. NYSUT members, agency fee payers and their lawful spouses (or certified domestic partners) under age 65 are eligible to apply. Your age determines the length of term you may apply for under Metlife's Level Term Life Insurance Plan. An ex-spouse will need to purchase Associate Membership through NYSUT to continue his or her coverage.
The MetLife Level Term Insurance Plan is a NYSUT Member Benefits Trust (Member Benefits)-endorsed program. Member Benefits has an endorsement arrangement of 7.61% of gross premiums for this program. All such payments to Member Benefits are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. The Insurer pools the premiums of Member Benefits participants who are insured for the purposes of determining premium rates and accounting. Coverage outside of this plan may have rates and terms that are not the same as those obtainable through Member Benefits. The Insurer or Member Benefits may hold premium reserves that may be used to offset rate increases and/or fund such other expenses related to the plan as determined appropriate by Member Benefits. Member Benefits acts as your advocate; please contact Member Benefits at 800-626-8101 if you experience a problem with any endorsed program.
Agency fee payers to NYSUT are eligible to participate in Member Benefits-endorsed programs.
Metropolitan Life Insurance Company
200 Park Avenue
New York, NY 1016
Answers about the plan, including eligibility, options, enrollment, customer service and more.
To apply for Level Term Life Insurance coverage, please download an application by clicking the
Beneficiary Designation Form
10 Year Level Term Life Rate Chart
15 Year Level Term Life Rate Chart
20 Year Level Term Life Rate Chart
PO Box 9186
Des Moines, IA 50306-9186
9 a.m. to 9 p.m. Eastern, Monday-Friday and
9 a.m. to 2 p.m. Eastern, Saturday
To get a personalized rate quote, CLICK HERE to access our interactive rate calculator.