Financial Protection for Life’s Unexpected Events

Provide clients with financial security for life’s unexpected events. MetLife’s supplemental plans help employees manage costs not covered by primary medical insurance—ensuring peace of mind when they need it most.

Key Benefits

These plans help bridge financial gaps after an accident, serious illness, or hospital stay.

Direct Cash Payments

Benefits are paid directly to employees, not healthcare providers.

Guaranteed Coverage

Coverage for employees and families with no medical exams required.

Financial Flexibility

Funds can be used for medical bills, transportation, childcare, or everyday expenses.

Portable Protection

Employees can take their coverage with them if employment changes.

Plans / Types

Flexible protection options for when the unexpected happens.

Lump-sum benefits for covered injuries and treatments. Learn more about Accident Insurance.

Cash benefits for diagnosis of major conditions such as cancer, stroke, or heart attack. Learn more about Critical Illness Insurance.

Lump-sum benefits for hospital admissions, confinement, and recovery support. Learn more about Hospital Indemnity Insurance.
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Features or Other Key Points

MetLife’s supplemental plans are designed for simplicity, accessibility, and speed when it matters most.

Fast Claims Processing

Typical turnaround within 10 business days.

Easy Online Access

Submit claims and view benefits via MyBenefits or the MetLife App.

No Coordination Required

Payments are made regardless of other insurance coverage.

Flexible Enrollment

Seamless integration with annual open enrollment periods.

Guaranteed Issue

No medical underwriting for eligible participants.

Nationwide Availability

Plans available across most U.S. states with consistent benefits and pricing.

Become a Broker Partner

Join a general agency built on AMT’s foundation for stability, service, and opportunity. AMT Agency connects you to Horizon BCBSNJ and MetLife with end-to-end broker support. We’ll assist you through the complete process from onboarding through renewal. Our dedicated team helps streamline quoting, enhance compliance, and grow your book of business with responsive service and market expertise.

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