Your Beneficiary
More than One Beneficiary
If you designate more than one person as your beneficiary, each will share in the benefits equally, unless you have designated specific percentages for each beneficiary.
Your beneficiary is the person or persons to whom a benefit will be paid in the event of your death. Your beneficiary can be anyone you choose, and you can name more than one beneficiary. In addition, you may name a trust, charity or estate.
If a benefit is payable to a minor, the benefits may be paid to a Court Appointed Guardian of Person and Property of the Minor's Estate, or deposited into a MetLife interest-bearing account that becomes accessible to the minor when the minor reaches age 18. Before naming a minor as your beneficiary, we suggest that you consult with your legal advisor.
Designating or Changing Your Beneficiary
To change or review your beneficiary designations, you can visit Metropolitan Life MyBenefits website at
If you have any questions or need online assistance, contact Metropolitan Life Insurance Company at 888-878-8490, or click on the "Contact a Life Benefits Specialist" link to send an email to Metropolitan Life Insurance Company's Life recordkeeping unit.
If you do not have access to the Internet, you can contact Metropolitan Life Insurance Company by phone at their toll-free number, and request a paper beneficiary form to be sent to you for completion.
It is important that you always keep your beneficiary designations up to date. This is your responsibility. You may change your beneficiary designations at any time. Beneficiary designations and changes are effective on the date they are accepted by Metropolitan Life's MyBenefits Beneficiary Management website. Paper designations and changes are effective on the date you sign the notice. Any beneficiary designation or change will not affect any payment Metropolitan Life Insurance Company makes or actions it takes before the notice of designation or change is submitted and processed.
Death of a Beneficiary
A person's rights as a beneficiary end if that person dies:
  • before your death occurs; or
  • at the same time your death occurs; or
  • within 24 hours of your death.
The share for that person will be divided among the surviving persons you have named as beneficiary, unless you have chosen otherwise.
No Beneficiary at Your Death
If no beneficiary should survive you, your benefit will be paid to the first survivor(s) in this order:
  • your spouse (includes registered domestic partner);
  • your children (does not include step-children);
  • your parents; or
  • your brothers and sisters (including half-brothers and half-sisters).
If there are no survivors as listed above, payment will be made to your estate.