As much as I’m not a huge fan of the Met Life active duty life insurance stance, after these past few weeks, for those who qualify, it might be worth considering. My gripe with the way they offer their life insurance program for active duty military is that they leave out special forces. That is my only problem with it. But they will cover any other active duty military, even with orders to a war zone, at the same rates that any other healthy person would pay as long as they apply while in the United States.
While I would be honored to earn your business, this post is not self serving. Whether you buy direct from Met Life or go through your favorite independent agent, this post is all about getting the word out. Unlike the government, life insurance companies have to carry reserves so that there is no situation in which the money just isn’t available to pay a claim. We were all shocked and disgusted when DC decided to play politics with our fallen soldiers and their grieving families. The foundation that stepped in and ended the ignorance was a blessing to the affected families, but why did it come to that?
Anyway, enough about politics and to the task. Met Life, in spite of the fact that they won’t cover special forces, is a stand alone company in that they will offer our servicemen and servicewomen personal life insurance policies at very good rates. Some companies will do it if you don’t have orders overseas. Some will do it if you can show that you have completed your combat rotation commitment. But Met will do it knowing that you have orders to a war zone. They will approve life insurance as if you were never going to leave American soil, something no other life insurance company is currently doing. And they aren’t going to drag their feet and let the burden fall on the families while they play budget games.
I have called Met Life a bit unpatriotic in the past for offering this program to all of the military except special forces, and that still sticks in my craw a bit. There isn’t any question that special forces incur a higher mortality risk, but I think Met would be hard pressed to show such a difference in the mortality experience that they can give a regular army combat soldier preferred plus rates and make no offer at all on special forces.
Bottom line. Even though I take exception to one of MetLife’s positions, what they offer is patriotic and a worthwhile consideration for military families. If you have any questions or need quotes, call or email me directly. My name is Ed Hinerman. Let’s talk.