Basic Life and Accidental Death and Dismemberment (AD&D)
Life insurance pays your beneficiary in the event of your death.
It shouldn’t be expensive to protect your family’s future
Basic Term Life and AD&D Insurance
WSP provides you with Basic Term Life and AD&D insurance coverage. You have the option to purchase VAD&D insurance coverage.
You'll also have access to Travel Assistance1 services, which can help protect you and your family wherever you travel.
Basic Term Life and AD&D Insurance
Life has changed, but the need to protect and provide for loved ones has not.
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Contact Us
For inquiries on health and welfare benefits including enrollment call WSP Benefits Center at 1-844-848-1142. Monday – Friday, 8 am to 8 pm ET.
Life Insurance 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 or scroll down and link to the Life Insurance Calculator.
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.
Accelerated Benefit Option (ABO) is a life insurance feature that allows you to receive a portion of your life insurance benefit prior to passing away if you’ve been diagnosed as terminally ill with no more than a specified number of months to live. The money can be used for any purpose. Please see the attached flyer
How much life insurance should you have?
Protect what matters most
Take control of your life insurance coverage so you’ll have the right protection in place for you and your family at all times.
1 Travel Assistance services are offered and administered by AXA Assistance USA, Inc. Certain benefits provided under the Travel Assistance program are underwritten by Certain Underwriters at Lloyd’s London (not incorporated) through Lloyd’s Illinois, Inc. Neither AXA Assistance USA Inc. nor the Lloyd’s entities are affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife.
2 All coverage amounts are subject to applicable state laws. To take advantage of this benefit, coverage of at least $10,000 must be elected.
Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or your MetLife Group Representative for costs and complete details.
MetLife Group Term Life insurance and AD&D is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 under Policy Form GPN99/G2130-S.