FAQs

While having life insurance provided by your employer is a great benefit, it’s possible that it may not be enough to adequately provide for your family. Additional life insurance can give your family greater financial security if you are no longer here to earn a paycheck.

Everyone is different, but you may need more than you have now. The insurance you need changes as your life changes — for example, getting married, starting a family or buying a home might change the coverage you need. Many people are surprised to learn that they don’t have enough life insurance to cover the many expenses their loved ones may face.

It’s simple to determine the amount of coverage you need now:
Go to www.metlifeiseasier.com to calculate how much life insurance may be right for you.

It may be less expensive than you think. MetLife’s group life insurance plans are an economical way for you to provide for your family with competitive group rates and a wide range of coverage options to choose from. Exact rates can be found in the enrollment materials provided by your employer.

Premiums are conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

• You get competitive group rates and a wide range of coverage options to choose from.
• Proceeds are generally income tax free and can be paid to your beneficiary in a lump-sum payment. 
• You will have the convenience of having premiums automatically deducted from your paycheck

With portability, you can take your life insurance benefits with you without a gap in coverage. You can continue your Group Life insurance coverage with MetLife should you leave your employer for any reason. Competitive rates apply but will likely be higher than your current rates. MetLife will bill you directly²

Getting started is easy. You simply choose an attorney in any area of practice from our network, which is available online or via one of our representatives. We will then give you an assigned case number to share with your lawyer when you make an appointment. It’s that simple. 

You can speak to our Network Attorneys face to face, by phone, or you can submit questions online to our Attorney e-Panel – whatever works best for you. And for certain legal matters, your attorney can represent you in court without you having to make an appearance. 

Our Network Attorneys are there for you, whenever you need advice on any personal legal matter or representation on a number of legal services covered under your plan—giving you peace of mind that you’ve got an expert on your side, for as long as you need them.

Even experienced attorneys need to grow their practice. By providing exceptional service to you and other plan members, they can gain more clients through your referrals. That’s how we’ve established a large network of highly experienced attorneys, averaging 25 years of experience. And every year, all participating lawyers in our attorney network are re-credentialed.

Yes – our Client Service Center representatives are here to help you find the right attorney that’s best placed to help you with your legal matter, whatever that might be. We’re committed to ensuring you receive the expert legal help you need, when you need it.

Yes – you can use any attorney you’d like. If you choose an attorney outside of our network, we’ll reimburse you for services based on a set fee schedule.³

Yes, you have unlimited use of the plan over the course of the year for covered legal matters.⁴

Less than you might think. For less than a dollar a day, you can have our legal experts on your side, for as long as you need them. You can find the exact cost for your plan in the enrollment materials provided by your employer.

Similar health insurance for you and your family, pet insurance can help you be prepared for unexpected vet costs for your dogs and cats. With MetLife Pet Insurance,¹ you may be able to cover⁴ up to 100% on the veterinary care expenses from any licensed veterinarian, specialist or emergency clinic across the U.S.

With pet ownership on the rise and more than 85 million families owning a pet,⁵ there is a greater need to ensure their health expenses are covered. More than half of pet parents reported that they’re not able to afford vet care for their pets,⁶ with the average annual cost for a routine vet visit for a dog being $212 and $160 for a cat.

Our process is simple and straightforward. Take your pet to the vet and pay the bill, and then send your claim documents to us. You can file by using our mobile app, online portal, e-mail, fax or mail, and we’ll process your claim – usually within 10 days.⁷ Then you’ll receive reimbursement⁸ by check or direct deposit if the claim expense is covered under the policy.

We offer flexibility to select various levels of coverage with no breed exclusions or upper age limits, and are the only provider to offer family plans⁹ (i.e. multiple pets included in one policy).

MetLife Pet Insurance¹ provides among the shortest wait periods³ for accident and illness coverage. Accident coverage and preventive care coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.

Pre-existing conditions may not be covered– enroll your pets today and help make sure they’re protected.

You can visit any licensed vet or emergency clinic in the U.S., and you and your veterinarian of choice can determine the best treatment plan and medical course of action for your pet. Once you’ve received and paid your bill, send it to us and we will process your claim for reimbursement8 if the claim expense is covered under the policy.

We believe every individual and pet have unique needs, so we provide the ability to customize your coverage. Coverage is flexible so you can choose the plan that works for you.

Each pet’s premium will be unique based on the age, breed, location, as well as what coverage amount you select.¹⁰ Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $25 or $50.²

We believe every individual and pet have unique needs, so we provide the ability to customize your coverage. Coverage is flexible so you can choose the plan that works for you.

Yes, a variety of discounts are available including:

• Employer Benefit Discount¹¹
• Affinity Group Discount¹¹
• Internet Purchase Discount¹²
• Military, Veteran & First Responder Discount¹³
• Healthcare Workers Discount¹⁴
• Animal Care Discount¹⁵

You can set up an automatic payment from your bank or credit card with us. As part of your group benefits, payroll deduction may be available.

Upwise is available to anyone. You will be prompted to enter your employer's name as part of the account creation process. If your employer doesn’t promote Upwise, you are self-employed or you are not employed, you can still use the app.  Just enter your employer name or indicate that you are self-employed or not employed.

You can download Upwise from the Apple App Store and Google Play.

Yes! Upwise is free to use—we're kind of excited about that.

Yes, you do. After you download the app, you’ll receive prompts to set up an account—it's quick and easy.

No matter how good we are at managing money, there are times where it can be stressful and complex. Based on behavioral science, Upwise is designed to help you create good money habits and make financial progress that feels good.

We start by understanding your emotions about money—we call it your money mood—and then work with you to make managing your financial life more enjoyable and rewarding—one step at a time. We help you take actions that are tailored to you and keep the momentum going, so you feel more confident and get the most out of your money.

Research shows that several factors are involved in helping you form new habits, such as repeating the desired behavior over time and associating that behavior with positive feelings and rewards. We designed our challenges with this psychology in mind to help you develop healthy behaviors that turn into habits that feel good.

Think of challenges as a programmed series of actions you take to work toward a specific goal. We tell you exactly what to expect before you get started, so there aren’t any surprises, and we’re there to support you every step of the way.

Participating in challenges can help you create better financial habits around topics that matter to you, like budgeting, debt, investing, creating an estate plan, and more. You can also learn about important financial topics and put your knowledge into practice. 

So, the real question is: How can challenges not help you?

Linking your accounts can give you a holistic view of your finances, helping you better understand your financial situation in its totality and set realistic goals. 

• You may also see patterns and trends you wouldn’t have otherwise noticed, giving you even more insight into behaviors you might want to address.
• You'll also be able to monitor your linked accounts all in one place and spot potentially fraudulent transactions. 

The safety of your information is our top priority. Upwise uses a 256-bit encryption and LDAP security system. While we can’t make guarantees, we can assure you that Upwise uses the same level of encryption as most of your online banking systems to protect the financial and account data you share with us. 

No, we’ll never share any of your data, such as personal information, survey responses, feedback you provide, or anything that could be used to identify you. We may share aggregated usage data such as, unidentifiable information about how people use Upwise, as well how many people are using the app.

For account issues, feel free to email us at support@upwise.com.

We divide challenges into three categories: Do it for me, do it with me, and teach me. We’ll explain each one:  

• Do it for me challenges enable us to take actions at your request, like canceling a subscription for you or renegotiating the cost.
• Do it with me challenges suggest actions you can take to move closer to your goal, such as setting a monthly spending limit that feels reasonable for you. 
• Teach me challenges give you a series of articles to read to help boost your knowledge with tips to practice what you’ve learned. They usually end with a short questionnaire to test your skills.