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Converting or Porting Supplemental Term Life Insurance
Coverage under the Supplemental Term Life Insurance Plan for active employees ends on your termination date. Within 31 days of your termination date, you have the option to convert your employee and/or dependent life insurance coverage to an individual policy or port that coverage following your termination of employment as follows:
  • Employee Supplemental Life Insurance:
    • You may convert the coverage to an individual policy; or
    • You may port the lesser of your total life insurance in effect at date of termination or up to $2 million (in increments of $25,000)
    • You must provide MetLife evidence of insurability for the additional coverage amount
    • If you are already at the $2 million maximum you may not increase your coverage.
  • Dependent Spouse/Domestic Partner Supplemental Life Insurance:
    • You may convert the coverage to an individual policy; or
    • You may port the minimum of $2,500 ($10,000 when porting Dependent Spouse/Domestic Partner Life Insurance alone) to a maximum of the lesser of your total dependent spouse/domestic partner life insurance in effect at date of termination or $300,000.
  • Dependent Child Supplemental Life Insurance:
    • You may convert the coverage to an individual policy; or
    • You may port your dependent child supplemental life insurance coverage at a minimum of $1,000 to a maximum of the lesser of the total amount in effect at the date of termination or $20,000.