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MetLife Life Insurance Expands My Flexi Series

MetLife Life Insurance Company, represented by CEO Dirk Osteen, has announced an exciting update for its My Flexi medical insurance series. Starting from December 2, 2025, the company will introduce new lifelong death benefit riders, aimed at meeting the financial needs that arise upon death, such as funeral expenses and family living costs. This initiative is a testament to MetLife's commitment to providing tailor-made insurance solutions that cater to individual lifestyles and family circumstances.

What is My Flexi Series?

The My Flexi series includes two major products: the “My Flexi” (whole life medical insurance with no refund value) and the “My Flexi Gold” (whole life medical insurance with a relaxed underwriting clause). With these products, policyholders can benefit from lifetime medical coverage, ensuring peace of mind in an increasingly uncertain world.

Introduction of Lifelong Death Benefit Riders

The newly introduced riders—the “Lifelong Death Benefit Rider (low surrender value type)” and the “Lifelong Death Benefit Rider (low surrender value type) with Relaxed Underwriting Clause”—are designed to provide manageable and flexible financial support in the event of the policyholder's death. The coverage amounts for these riders can be finely tuned, ranging from 500,000 yen to 10 million yen in increments of 100,000 yen, allowing customers to select an amount that best fits their personal situation. This bespoke approach caters to the diverse financial obligations that families may face.

Furthermore, thanks to the low surrender value design, policyholders can enjoy reduced premiums, enabling them to secure lifetime protection without stretching their budgets. Importantly, these riders can even be added mid-policy, providing additional opportunity for existing contract holders to enhance their coverage to suit new circumstances.

Important Notes on the New Riders

It is crucial for prospective clients to consider certain conditions associated with the Lifelong Death Benefit Rider with Relaxed Underwriting Clause. Notably, there will not be any disability insurance payout linked to this rider; therefore, if a policyholder qualifies for such benefits, the rider will cease to exist at that point. Additionally, there are cases where the accumulated premium payments might exceed the death benefit, depending on the duration of the policy. Potential customers are encouraged to review all important contractual information, including policy summaries and warnings, before signing on.

MetLife's Commitment to Customer Support

MetLife Life Insurance not only aims to provide security in times of emergency, but also assists customers in day-to-day health management and asset formation. The company positions itself as a reliable partner for customers at every stage of life, always striving to meet the evolving needs of society with innovative products and services.

As a pioneering foreign life insurance company that commenced operations in Japan in 1973, MetLife has established itself as a major player in the industry. Being a subsidiary of MetLife, Inc., the company prides itself in offering diverse channels of sales, making it possible to serve both individual and corporate clients effectively.

In conclusion, MetLife Life Insurance continues to be dedicated to enhancing the financial futures of its customers. With the introduction of the new lifelong death benefit riders, they reaffirm their role as a dependable partner committed to navigating the complexities of modern financial obligations alongside their clients.

For more information on the My Flexi series and other offerings by MetLife, visit MetLife Japan's official website.