THE MEMBER INSIDER

Protect What Matters Most with Life Insurance
Article provided by MetLife

Having the right financial protection in place is an important part of long-term planning. Life insurance can help support the people who depend on you the most and provide financial stability during unexpected situations.

For many NYSUT members, life insurance is one component of a broader financial strategy as it can help cover expenses, provide support for beneficiaries, and contribute to your overall peace of mind.

Why Life Insurance Matters
Life insurance is designed to provide financial support to beneficiaries in the event of your passing. These benefits can assist with managing ongoing expenses and reduce financial strain during an incredibly difficult time. Many individuals rely on life insurance to help address common financial responsibilities such as housing, childcare, education, and other essential costs.

Key consideration: Reviewing your need for coverage or increasing your current coverage can help ensure that it reflects your present financial situation and any changes in your responsibilities. Even if you have coverage through your employer, supplemental coverage may help address any gaps. That is why it is so important to evaluate your options so you can make informed financial decisions.

Have You Looked at Your Coverage Needs Lately?
It’s important to examine your insurance coverage on a regular basis as life events can affect your insurance needs over time. Changes such as marriage, homeownership, or family growth can significantly increase financial responsibilities. Setting aside time for a periodic review of your coverage can help to ensure it continues to reflect your current situation; even small adjustments over time can make a meaningful difference.

Your NYSUT membership provides you with access to several life insurance offerings available through MetLife. Coverage is available for you as the NYSUT member, your spouse/certified domestic partner, and your children (15 days through 23 years old).

These plans are designed to complement existing coverage, providing flexibility and convenience for members with features such as flexible coverage amounts, competitive member-exclusive rates, and an additional 15% discount when using payroll or pension deduction as your payment options.

Unlike permanent life insurance, term life and level term life insurance plans do not offer cash, loan, or retirement income values; this makes them a far more economical value to consider. Don’t wait any longer; ensure those who count on you most are protected when it’s needed most.

Click here to learn more about term life insurance or call the plan administrator AMBA toll-free at 888-386-9788.

MetLife Group Term Life insurance is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166. All applications are subject to review and approval by MetLife and may require underwriting.

The MetLife Term Life Insurance Plan is a NYSUT Member Benefits Trust-endorsed program. Member Benefits receives an endorsement arrangement for this program which helps support its programs and services.

Like most group insurance policies, this coverage contains exclusions, limitations, reductions, and terms for keeping it in force. Please contact the plan administrator for complete details.

Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166

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