FAQs

Generally, you need to be an Australian resident to obtain cover and there are some restrictions or exclusions on cover if you are planning to travel at the time of application. Once your policy has been accepted, you are covered 24 hours a day worldwide. Please contact our Customer Service Associates on 1300 555 625 for any further information.

If you cancel your policy during the 30 day cooling off period, we will refund the full premium and administration fee paid. However, if you cancel your policy outside the cooling off period, no refund will be applicable (except where premiums have been paid in advance either half yearly or yearly). Please contact our Customer Service Associates on 1300 555 625 for any further information.

Generally premiums are not tax deductible. However where the insurance is for business purposes (key person), as a personal superannuation plan contribution or for income replacement policies, a tax deduction may apply. We recommend you seek professional advice in this regard.

Yes, you may apply to change your level and type of cover at any time whilst your cover is still current. Any increase in your cover amount or additional cover will be assessed and current medical or financial information may be requested from you.

Please contact our Customer Service Associates on 1300 555 625 for any further information.

Yes, children can be insured under the LifeCare or Term Life Policy. $50,000 cover is available for child specific trauma events until your child turns 16. The cost is $50 per child per year for up to four children. 

Please contact our Customer Service Associates on 1300 555 625 for any further information.

Yes, Key Person cover is available so that businesses can insure key staff such as partners or directors, so that in the event of their death or permanent disability, the remaining partners can continue to run the business using the benefit paid.

Please contact our Customer Service Associates on 1300 555 625 for any further information.

Once in force, MetLife policies are guaranteed renewable. This means that regardless of any change in your health, we guarantee to renew your insurance provided that you pay your premiums when they are due.

However, if your circumstances change during the application assessment or when you have requested a change or increase to the policy, you are required to notify us of any changes to your health. This will be taken into consideration when assessing your request. Please contact our Customer Service Associates on 1300 555 625 for any further information.

You can nominate up to five beneficiaries on your policy.

Please click on "Nominating/adding/changing a beneficiary on your policy" on the Customer Service page for more details.

Yes, by insuring your partner on the same policy you save on policy fees. Please click on "Updating or adding to your existing cover" on the Customer Service page for more details.

It means that if the features of any of the MetLife Products are enhanced in the future, your policy will be automatically upgraded to reflect these enhancements at your next policy anniversary date.  Please contact our Customer Service Associates on 1300 555 625 for any further information.

In the event you need to make a claim, please contact us as soon as possible. You will be required to complete a claim form and provide any additional supporting documentation as required by your claims assessor.

If we don't receive your premium within 30 days of the due date, then all cover will lapse. Depending on the circumstances surrounding the lapse we may reinstate the policy at our discretion upon receipt of outstanding premiums and in some instances a reinstatement form. MetLife wants to help to ensure that you retain your valuable insurance; if you are temporarily having problems in paying your premium, please contact our Customer Service Associates on 1300 555 625 to discuss options.

If you have a self managed Superannuation Fund, the trustee may take out a Term Life Policy with the option of Total and Permanent Disability cover and have the Superannuation Fund pay the premium. Premiums paid in this manner are treated as Superannuation contributions and may have the added advantage of attracting tax deductions. We recommend you seek expert tax and financial advice relating to your particular situation.

For some policies, the premiums may increase on the anniversary date of your policy each year. Some reasons for increases in policies are:

• Increase in the life insured’s age;
• Consumer Price Indexation (if applicable to the policy).

There are various options available to reduce or prevent a premium increase, including a Premium Freeze.

Please contact our Customer Service Associates on 1300 555 625 for any further information.

Your Policy document is an important document and we recommend that you keep it safe. Under the Life Insurance Act, MetLife is required to advertise that a policy document has been lost and we are also able to re-coup the cost associated with this from the policy owner.

Please contact our Customer Service Associates on 1300 555 625 for any further information.

MetLife transferred its superannuation, allocated pension and annuity business to Challenger in 2007. Please contact Challenger directly for all enquiries. If you opted to have MetLife continue to administer your policy and you require information, please contact our Customer Service Associates on 1300 555 625 for any further information.