MetLife Final Expense Life Insurance: What You Need to Know (2025 Guide)

Last Updated: December 10, 2025 | Written by President of Term Life Online – AU, AAI, ARM

Does MetLife Offer Final Expense Life Insurance?

MetLife is a globally recognized insurance company—but its consumer life insurance lineup changes over time. Different products may be offered to:

• Individuals
• Employers (group benefits)
• Associations
• Specialized affinity groups

Because final expense availability can vary by channel and year, it’s important for consumers to verify directly with MetLife or an authorized agent about current offerings.

However, many people look for MetLife-style final expense features, such as:

• No medical exam
• Simple applications
• Lifetime guaranteed coverage
• Affordable, predictable premiums
• Payouts designed to cover funeral costs

This guide will help you understand how these features work and how MetLife compares to the overall market.

Who Final Expense Insurance Is Best For

A MetLife-style final expense policy is ideal for:

1. Seniors ages 45–75

Especially those who want a policy that never expires.

2. People with health issues

Since final expense coverage often requires no medical exam and may accept many pre-existing conditions.

3. Adult children planning for a parent’s final expenses

A small policy can prevent financial burden later on.

4. Anyone wanting a simple, affordable way to protect their family

No complicated investment features—just straightforward, permanent protection.

Typical Features of Final Expense Life Insurance

While exact features depend on the carrier, final expense policies—like those often associated with MetLife-style coverage—commonly include:

✅ Whole Life Insurance

Coverage lasts for life as long as premiums are paid.

✅ Fixed Premiums

Your price never goes up.

✅ No Medical Exam

Most policies only ask a few health questions (or none at all).

✅ Quick Approval

Many seniors can be approved in minutes.

✅ Small, Affordable Coverage Options

Generally $2,500–$20,000—just enough for end-of-life needs.

✅ Builds Cash Value

A small savings component grows over time.

Why So Many People Search for "MetLife Final Expense Life Insurance"

There are three major reasons:

1. Brand Trust

MetLife is one of the most recognizable insurance names in the world.

Consumers assume—correctly—that the brand has a reputation for stability.

2. Desire for Simple, No-Exam Coverage

Final expense insurance is most popular among seniors, and many prefer well-known companies.

3. Confusion About What MetLife Currently Offers

Because product availability changes, consumers search to see whether MetLife currently offers their own final expense plan or partners with organizations to provide it.

How Final Expense Life Insurance Typically Works

Although offerings vary, most final expense policies follow this structure:

1. Quick Application

• A brief health questionnaire
• No medical exam
• Approval within minutes (or instantly)

2. Guaranteed Premiums

Your rate stays the same for life.

3. Lifetime Coverage

Your policy never expires at age 80 or 90.

4. Guaranteed Payout

Your beneficiaries receive tax-free cash.

5. Cash Value Growth

Provides a small financial cushion if needed.

How MetLife Compares to Other Final Expense Providers

Seniors often compare MetLife’s offerings to other leading companies that provide guaranteed or simplified issue whole life insurance.

While MetLife is trusted for financial strength, consumers typically compare it with:

• Guaranteed acceptance plans for ages 45–85
• No medical exam whole life policies
• Senior-friendly simplified issue life insurance

In general, seniors look for:

✔ Ease of approval

✔ Stability of the insurer

✔ Competitive premiums

✔ Coverage that never expires

✔ Fast payout for funeral costs

MetLife consistently ranks high in trust and financial strength—one of the most important factors when choosing a permanent life insurance policy.

Who Typically Offers the Best Final Expense Coverage?

While "the best policy" differs by person, many seniors look for:

• Flexible coverage amounts
• Guaranteed acceptance options
• A+-rated carriers
• Simple underwriting
• Affordable monthly premiums

MetLife fits the criteria of a financially stable, trustworthy insurer, making it an appealing option for consumers who prefer established brands.

How to Choose a Final Expense Policy if You Are Considering MetLife

Here’s the most effective approach:

1. Determine how much coverage you need

Common amounts: $10,000–$25,000 for funeral and final bills.

2. Compare MetLife’s current offerings with competing plans

Plans vary in cost, health questions, and age limits.

3. Decide if you prefer guaranteed acceptance or simplified issue

• Guaranteed acceptance is best for serious health issues.
• Simplified issue offers better pricing for average health.

4. Confirm eligibility based on age

Different insurers have age ranges like 45–85 or 50–80.

5. Consider the insurer’s financial strength

MetLife’s long-standing reputation is a major advantage.

Frequently Asked Questions

1. Does MetLife sell final expense insurance directly?

Availability varies. Consumers should check with MetLife or a licensed agent for up-to-date offerings.

2. Is final expense insurance worth it?

Yes, for most seniors. It covers funeral costs, avoids financial burdens for family members, and provides permanent coverage.

3. Do final expense policies require a medical exam?

Most do not. Many are no-exam or guaranteed-acceptance.

4. How much does a final expense policy cost?

Typically $30–$150+ per month depending on age, health, gender, and coverage amount.

5. Can I buy final expense insurance for a parent?

Yes—if they consent and participate in the application.

Final Thoughts

MetLife remains one of the strongest and most trusted names in insurance. And while product availability evolves over time, consumers searching for "MetLife final expense life insurance" are usually seeking:

• A reputable, long-established insurer
• Simple, no-medical-exam coverage
• Affordable protection for final expenses
• Lifetime coverage with guaranteed premiums

If you or your loved one needs a small, permanent, senior-friendly policy, final expense life insurance—whether through MetLife or another A-rated carrier—can provide peace of mind and financial protection exactly when families need it most.

Resources:

• Mutual of Omaha vs. Met Life
• Who Needs Final Expense Insurance?
• What Type of Insurance is Final Expense?
• Can I Buy Final Expense Insurance for My Parents?
• A.M. Best Company: Compare financial strength ratings of life insurance companies
• Life Happens.org: Learn about life insurance and review facts.

About Our Methodology

Reviewed By: President of Term Life Online – AU, AAI, ARM

• 30+ years of experience in insurance planning

How We Keep This Guide Accurate: We regularly updates our content to reflect the latest rates and industry trends. We are committed to providing transparent, unbiased information to help you make the best decision for your family.

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