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| Review - Metlife Insurance |
| www.metlife.co.uk |
Are MetLife Insurance good?
- Global Insurer Status
- Accident & Illness + Employee Benefits Specialists
- Broker Only Deals
- Insurance claims record: Good
- MetLife Insurance protection claims 94% stats | ABI
- Main Types: Accidents & Health Claims
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| Defacto: 3 stars | Cover: Finalist | MoneyFacts: Award |
MetLife Insurance Background
MetLife Insurance global history originally began back in 1868. Over the last century & since 2007 in the UK they've helped provide cover for both families & corporate business.
In 2026 they offer several types of low cost accident & sickness family / mortgage cover protection plans - should someone fall ill and become unable to work. Plus various insurance employee benefit & group life and income protection packages.
Today, Met Life Insurance still look after the best interests and well being of its UK members & their children, based from their Brighton head office.
Their various personal and group protection products are sold mainly via IFA's and Brokers.
MetLife Insurance Review 2026
In this MetLife Insurance review, we will look at some broker only protection plans, key features and FAQ. MetLife products may give discretionary access to the following added value services.…
- 'GP24' virtual services
- 2nd medical opinion
- Virtual Physio
- Wellbeing Hub Support
- Mini Health Checks
- Emotional help & practical advice when needed most
- Recovery & Illness Support
METLIFE INCOME & ACCIDENT INSURANCE Review
Providing security by way of a tax free monthly income if you are off longer term sick or have an accident or disability as specified by MetLife Insurance UK.
Some of their budget flexible income cover products are not fully medically underwritten - unlike their more comprehensive plans which do ask basic health lifestyle questions. These could be classed as (MPPI) Mortgage Payment Protection Insurance & (AS) Accident & Illness policies.
Alternatively for some of their basic plans - they don't require medical questions so ideally targeted at higher risk occupations or those who live active lifestyles. Buying plan units means you can also adjust cover based on affordability.
Designed to help protect your monthly bills or mortgage payments and/or accidental death plus children.
Key Features
- Mortgage Safe / Every Day Protect / Child Shield
- Claim period upto 1/2 years over the nominated plan term
- Cover 100% of mortgage payments
- Annual limits to the number of claims
- Ideal for those with pre-existing conditions
- UK Hospitalisation benefit
- Upto mortgage payments limits £1,500pm
- Initial waiting deferred periods 4 weeks
- No premium loading for occupation, hazardous pursuits or smoker status
- Fixed premium or cheaper Reviewable premiums choice
- Own occupation basis
Summary
MetLife insurance plans may offer good value for those on a budget against other family Income Protection or Critical Illness Insurers.
Contact us & enquire as to whether Metlife insurance plans may suit your situation. Or a full Income Protection PHI policy being offered instead maybe a better overall package.
MetLife Insurance - Group & Employee Benefits
Flexible range of Met Life group employee benefits for your small or large size business protection needs.
Group Life Insurance: Payout based on a multiple of salary, minimum group size of employees, plus master trust options.
Income Protection: Replaces a portion of employee incomes if unable to work due to short or long-term illness or injury.
Value-Added Benefits: 24/7 bereavement funeral planning support, probate advice, plus flexible benefit adjustments.
*What's MSE Martin Lewis MetLife Review?
In terms of the range of MetLife Insurance products in 2026, MoneySavingExpert (MSE) are fully impartial with all their best buy reviews. As you maybe aware neither Martin nor MSE never endorse products.
Yes, they mention individual products & services on MSE site, but they make it very clear don't 'support' them.
What does Martin Lewis say about MetLife Insurance?
Money Saving Expert Martin Lewis hasn't specifically commented on any particular MetLife Insurance policies & how it stacks up against the competition. But some other MetLife plans are a discussed MSE forum topic.
Martin Lewis on MPPI - explains what's mortgage payment protection insurance (MPPI) and is it worth it - because this policy is designed to cover your mortgage repayments & related home costs (but not indefinately per claim).
However, he also comments it’s worth looking at income protection insurance. He points out that it pays you an income if you're unable to work due to illness or disability for a set period (generally a year or two).
Unsure if they meant here, you could be off sick for a year or two & noting some MetLife plans as we've reviewed here - are budget or shorter term in claim MPPI and accident & sickness policies, rather than more comprehensive full term in claim PHI income cover plans.
Full Income Protection insurance will MSE say usually pay a proportion of your salary, for example two-thirds, so that most essential spending is covered. Rather than say only based around your mortgage payments.
It generally includes a greater range of illnesses than critical illness cover, but can be more expensive they point out.. When it comes to deciding between the two types of insurance if you were off sick, it could be worth speaking to a financial adviser.
The MoneySavingExpert also says that he does '100% recommend Life Insurance', especially if you have any dependants. MSE says YES it's a cheap financial lifeline but the ultimate monthly costs choice is always yours.
MSE says 'Thinking about how your family may cope financially if you were to die isn't a very cheerful topic, BUT it is an Important One'.
So Martin Lewis agrees life insurance is important if anyone is reliant on your Income & would struggle financially without you around ie; an insurable interest.
Martin Lewis also suggests being the Money Expert - that you "NEVER BLINDLY BUY DIRECT" expensive policy offers either via your Bank or One Insurer ie; Shop around or use a Broker.
Lastly, MoneySavingExpert also said generally remember, not all insurers plans are featured on insurance comparison sites. As brokers, we would also agree here - so let us help you shop around for your best broker deals.
METLIFE INSURANCE - FAQ 
- decrease or increase the amount of cover levels
- drop any options or any specific paid for policy features
- change the collection date of your usual premiums
These changes could all be subject to an Insurers review - based on your circumstances at the time.
Check your MetLife protection key features for further details. We suggest you seek professional advice before taking any course of action.
Disclosure & Claims re MetLife Protection?
All Insurers are in business to protect, insure & payout. Insurance cover is therefore based on your full disclosure at the time you took the original MetLife Protection policy out ie; being 100% as honest & accurate as possible. It is not always easy to remember all your historic health details when applying - if questions are asked and required.
The Consumer Insurance Act 2013 says you must not be acting careless, deliberate or reckless when applying. If so, it may not payout ! eg; If you vape, then you must tell them you are smoker (even if it costs more).
Should you make a claim, your Insurers will send you a claim form for you to complete. Once received back, they will usually contact your GP to confirm any health details.
They will then assess if your insurance claim is valid and cross check if you originally disclosed all the correct details. If you look at MetLife recent claims payout, you will see that it is Good (but like most Insurers - not 100%).
What if my health lifestyle changes after I've taken a policy?
Any health or lifestyle changes since, usually does not void your existing MetLife Insurance policy, if it wasn't relevant at that time of any initial underwritten insurance application eg; diagnosed high cholesterol or heart disease.
So take care to doubly re-check on your application what you initially disclosed to the Insurers, as this information then stands now and in the future. Please check your original T&C's.
Sorting out your ideal insurance cover may seem a difficult task, so don’t do it alone. It’s a good idea to get professional advice from an expert – we’re here to help.
MetLife Insurance Article: by Martyn Spencer Financial Adviser 2026
'There is...ONLY 1 YOU' 
