Term life insurance provides coverage for a specific period of time. The NYSUT Member Benefits Trust-endorsed Term Life Insurance Plan provides benefits up to $1
million, if under age 65.
Coverage may vary and may not be available in all states.
Term insurance offers an important advantage over permanent life insurance … cost! The premium for a term policy is typically less than permanent life
insurance. Why? Because term life insurance does not offer cash, loan or retirement income values. It provides “pure” insurance protection during the
period your spouse and children depend heavily on your income.
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 85 are eligible to apply. Your age determines the maximum amount of coverage you may apply for under MetLife's Term Life Insurance Plan.
An ex-spouse will need to purchase Associate Membership through NYSUT to continue his or her coverage.
The MetLife 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 10166
Answers about the plan, including eligibility, options, enrollment, customer service and more.
To apply for Term Life Insurance coverage, please download an application by clicking the
Beneficiary Designation Form
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.