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Your MetLife insurance policy contract contains important information that you need to know. For example, your insurance policy details its costs and how your interest is credited.
Without this information, you will have to depend on the limited information you receive in your annual accounts of the statements and premium invoices, but you will not know what projected future effective value the policy has.
Knowing this information accurately is critical for some of Met Life’s policies because the cash value can determine whether the policy remains in effect or prescribes. Therefore, if you lose your policy, you need to know how to get a copy of it from Met Life.
How to get a copy of my policy?
- Find out your policy number, if possible. Policy numbers are printed on all your accounts. Check if the policy number is listed on the previous premium invoices. This will make finding your policy and obtaining a copy easier when you contact Met Life.
- Contact Met Life customer service through a phone call. In this case, you will have to talk to a person from the company who can send you a new policy. Met Life’s contact numbers are: for Mexico City and Metropolitan Area 5328-7000, and for the Interior of the Republic 01 800 00 METLIFE (6385433).
- You can also request a copy of your life insurance policy along with a current copy. This copy will show you how the policy is working and its performance while it was in effect. The validity illustration is part of the original policy contract, as an addendum to the contract, but it does not usually come with a copy of the contract, and that is why it is recommended that you request both.
- Get a copy online. To do this, access this link. There you will be asked to enter your identification number, which can be a citizenship, immigration card, your passport number, civil registration or identity card.
To take into account
When you receive your new policy, keep it in a safe or in another safe place to prevent it from being lost. Also, make sure you always have a copy of your previous premium bill. This will provide you with important information such as your policy number if you ever have to reapply for another copy of your insurance policy.
On the other hand, if you own a universal life insurance policy (including Met Life variable universal life) that does not offer guaranteed cash value or secondary death benefit guarantees, your policy may expire due to cash values. Insufficient even if your current statement shows sufficient cash values, current expense charges could project a future scenario of portfolio decline. But it is not known if this is going to happen or not without the illustration of the validity of the policy that comes with the life insurance contract.