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MetLife Protect

We know life moves fast and we believe that life insurance can be more nimble, transparent and consistent to help people be protected from the unexpected.

What is MetLife Protect?

We've made it easier for you to protect what matters most to your clients as their life changes, with building blocks of flexible life cover.

See how our new insurance product could make a real difference in your clients' lives.

MetLife Protect + Extras

Every client is unique.

Design a MetLife Protect + Extras policy to suit their needs now – and adapt it as their needs change. 

It’s a simple way to show you that we ‘get’ what’s important to them.

MetLife Life+ Life+
  • Home Loan: provides additional financial support in case of illness, injury or death
  • Buy/Sell: supports your client’s business succession plan
MetLife TPD+ TPD+
  • Employment: allows your clients to restore their Linked Life Cover following a TPD claim 
  • Specialist: own-occupation TPD definition
  • Business: own-occupation definition for business owners and sole traders
MetLilfe Income Cover+ Income Cover+
  • Professional: covers a number of benefits aligned to professional workers 
  • Provide & Care: cover in case your clients need to take leave to care for a dependent child 
  • Key Person: provides upfront accident cover and reimbursement for recruitment and business expenses (e.g. retraining, leases, accounting fees)
  • Sole Trader: pays simple business expenses
MetLife Trauma+ Trauma+
  • Family: cover for your client's dependent child in case they suffer from a serious illness
  • Individual: boosted benefits for some covered trauma conditions

Life moves fast, and MetLife Protect is designed to keep pace. 

It’s easy to increase your cover without full underwriting on the occurrence of specified life events or a salary increase.

For example, under certain circumstances, some Extras Covers have an inbuilt Life Events Increases Feature enabling cover to be increased without any medical underwriting.


Buy a home

Home Loan Extras


Pay rise

Employee Extras



Family Extras


First baby

Provide & Care Extras


Start own business

Key Person/Sole Trader Extras


Bring in partners

Buy/Sell Extras

Inside super or outside super?

You can link MetLife Protect covers, so clients can pay for some policies from their super fund, and some directly – making it even more affordable in many cases for your clients.

Cover inside super is available for clients with an SMSF or who apply for a membership of the MetLife Australia Superannuation Fund.


Reward their loyalty

With multi-policy discounts, multi-lives discounts and healthy BMI discounts, MetLife Protect can provide even better value.

All discounts are quoted automatically, so you can share the good news sooner. 

Meet the team

Meet the team

We’re working together to create great solutions for your business and your clients. As a MetLife partner, you have life insurance expertise on your side.

Underwriting and claims

Underwriting and claims

Insurance is a promise we mean to keep. Our underwriting and claims team put your clients first.

Adviser tools

Adviser tools

We’ve designed MetLife Protect to make everything easier and more transparent for our most important partners: our advisers.

This website contains general information only, which does not take into account your personal financial situation, objectives or needs. Before deciding whether to acquire, or continuing to hold, any of our products, please seek appropriate independent financial advice to assess whether it is suitable for you. You should also consider the relevant Product Disclosure Statement, available upon request by calling 1300 555 625, before making any decision. Life insurance products are issued by MetLife Insurance Limited ABN 75 004 274 882, AFSL 238096.

By accessing this website you agree to comply with MetLife's Legal Notices

From 1 November 2018 the Australian Complaints Authority (AFCA) has replaced all other complaint bodies. AFCA considers complaints that previously would have been handled by the Financial Ombudsman Services (FOS), the Credit and Investments Ombudsman and the Superannuation Complaints Tribunal (SCT). AFCA provides a fair and independent complaint resolution service that is free to consumers

All references to FOS and SCT have been replaced by AFCA. These changes to the PDS take effect from 1 July 2019. The PDS otherwise remains unaltered. All other terms, conditions and exclusions will continue to apply.