MetLife customers can enjoy an easier path to protection

MetLife Australia has streamlined its medical thresholds for MetLife Protect and MetLife Protect Super making it easier and faster for customers to purchase life insurance. MetLife is initiating several changes to speed up the process of helping Australians protect their future as part of its ongoing efforts to make insurance more accessible.

MetLife Chief Distribution Officer Michael Mulholland said, “These changes simplify the process of applying for life insurance with MetLife, making it easier and faster for advisers to protect their clients’ lifestyles. Changing the medical requirements will also reduce the time it takes to apply for life insurance.

“We’re always looking for ways to make it more efficient for Advisers to serve more clients without compromising on quality. Our approach enables advisers to spend more time understanding the needs of their clients and doing what they do best.”

MetLife will use mini-checks rather than full medical exams for underwriting applications, depending on the type and level of cover. Mini-checks are quicker and easier, requiring clients to undertake only height and weight measurements, blood pressure reading, pulse rate and a urine check.

Other changes include:

  • Higher sum insured limits before mandatory medicals are required:
    • Mandatory medical requirements for Income Protection Cover increased to $15,000 per month across all ages (up from $10,000 per month)
    • No medical required for Life and TPD cover up to $1.5 million for all clients aged 46 and over
  • Defined medical requirements for higher Life cover amounts ($5 million - $10 million and $10 million+)
  • Simplifying mandatory medical requirements to two age brackets (up to 45 and 46+) for all benefits

The changes came into effect on 22 December 2022 and will be applied retrospectively to applications submitted post.

For more information, advisers can contact their local MetLife BDM.


Sarah Kelly, 0411 893 890,

About MetLife

MetLife Insurance Limited (MetLife), an affiliate of MetLife, Inc., is a specialist provider of life insurance to affinity partners, superannuation trustees and employers in Australia. MetLife has expertise in designing and executing direct insurance programs for partners’ customers and insurance solutions to meet the needs of specific member groups. MetLife has been a specialist provider of life risk insurance products in Australia since 2005. For more information, visit

MetLife, Inc. (NYSE: MET), through its subsidiaries and affiliates, is one of the world’s leading financial services companies, providing insurance, annuities, employee benefits and asset management to help its individual and institutional customers navigate their changing world. Founded in 1868, MetLife has operations in more than 40 countries and holds leading market positions in the United States, Japan, Latin America, Asia, Europe and the Middle East. For more information, visit