Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

Full Bio →

Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.


Since the original posting of this article there has been several changes. On 03/06/2017 MetLife discontinued all sale of their retail life insurance business. The life insurance business was taken over by Brighthouse Financial. Brighthouse Financial offers an excellent term life insurance coverage option and even offers the same military underwriting benefits that MetLife did. However, Brighthouse Financial has a minimum death benefit of $1,000,000 when applying for their term life insurance coverage.

If you are a military member looking for life insurance coverage outside of the military, please contact us as we may have alternative options. Feel free to call or send us a message at the bottom of this page with your insurance coverage needs and we will get to work. 

As a former United States Marine, I know that it can be a difficult process to get life insurance coverage outside of the military. The Service Members Group Life Insurance (SGLI) program is a great benefit provided to our military members, but it limits the amount of life insurance coverage you can get at $400,000. What options are there if you need more?

At the start of the 2001 War in Afghanistan, it was near impossible to get any life insurance company to underwrite an active duty military life insurance policy. With many soldiers deploying overseas to the Middle East to fight in the war on terror, life insurance companies considered all military personal to be too large of a risk to insure.

Fast forward to present time, and you can now find a handful of life insurance companies that will consider underwriting an active duty military life insurance policy. However, if you have orders to deploy or even in some cases work in a high risk MOS, you can find yourself once again having a very hard time getting a life insurance policy outside of the military.

MetLife will consider all active duty military for life insurance coverage with or without orders to deploy overseas! Top Quote Life Insurance proudly offers MetLife life insurance coverage. 

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

MetLife is Proud to Serve Their Military Members

Our military members are very important and deserve the life insurance coverage they need to protect their loved ones and MetLife recognizes that. We wanted to shine the spotlight on MetLife for their support and willingness to underwrite both reservist and active duty military life insurance coverage, regardless of your deployment status.

MetLife even promotes that if you are a member of the U.S. military you could be eligible for life insurance coverage with no war restrictions or no war-zone exclusions even if you have current orders to deploy to a war-zone. To our knowledge, we do not know of any other non-military life insurance company that will underwrite life insurance when deploying to or war zone or hot zone other than MetLife Insurance.


Your one-stop online guide for life insurance quotes. Get free quotes now!

secured lock Secured with SHA-256 Encryption

MetLife Life Insurance Coverage Options for Military Members

MetLife offers a wide array of very affordable life insurance products such as term life, fixed premium universal life and whole life insurance. Anyone of these life insurance coverage options can be very helpful in supplementing your current life insurance coverage that is provided by the SGLI.

TERM LIFE INSURANCE: MetLife offers term life insurance in fixed premium lengths of 10, 15, 20 & 30 years with a minimum coverage amount of $100,000. Along with very affordable rates, MetLife term policies have optional policy as well as a conversion feature that allows you to switch to permanent life insurance plan without the need of medical underwriting.

GUARANTEED UNIVERSAL LIFE: One of the permanent life insurance options offered by MetLife is their guaranteed universal life insurance. GUL is fixed premium permanent life insurance. Once you purchase this type of life insurance coverage you will never need to worry about the price changing or ever having to go through medical underwriting again. Like MetLife’s term coverage their GUL coverage also has optional policy riders that you can add to your coverage. The minimum amount of coverage available for MetLife’s GUL is $50,000.

WHOLE LIFE INSURANCE: A second type of permanent life insurance offered by MetLife is their whole life insurance. Whole life insurance offers fixed premiums as well as guaranteed cash values. Whole life insurance also has the potential to earn dividends which can be used as cash, reduced premiums or paid up insurance.


We Can Help with Active Duty Military Life Insurance Coverage

MetLife supports their troops and so does Top Quote Life Insurance.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.