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Your premium class is most likely Preferred Plus or Preferred (both for nonsmokers), or Preferred Smoker or Standard Smoker, depending on the underwriting requirements you meet. Other premiums are available for nonsmokers who meet requirements between Preferred and Preferred Smoker. Your premium is based on your age, gender, and health when coverage begins, and it increases as you enter each new five-year age bracket.
Premiums shown are current as of 11/2014. Nonsmoker. You qualify as a nonsmoker if you have not used tobacco or nicotine in the last five years. Montana residents. Male premiums apply to males and females. Premium changes. MetLife may change premiums, but only for everyone of the same age, gender, and premium class. Amounts of insurance are available from $100,000 to $2 million in $1,000 increments, and can double over 10 years through Automatic Benefit Increases, subject to the plan maximum of $2 million.
For premium quotes for other insurance amounts, visit AlumL4L.com/quote or call 800-635-7801 Weekdays 8:30am—6:00pm ET.
This summary of Life for Life highlights its major features. Complete terms are governed by the group policy, issued by Metropolitan Life Insurance Company, New York, NY 10166 to Collegiate Alumni Trust II. Details of policy provisions are in the Certificate provided to each person.