MetLife Life Insurance & Protection UK

MetLife is one of the world’s largest insurance companies, with over 150 years of history and operations in more than 40 countries. In the UK, MetLife offers accident and illness cover for individuals (such as EverydayProtect and MortgageSafe), as well as employee benefits and group protection for employers. We can arrange MetLife cover alongside other insurers, and tell you honestly whether it’s the right fit for you.

That’s Family Finance · Last reviewed June 2026

â–¶ In plain English. Who are MetLife?

MetLife is an American insurance giant founded in 1868, and one of the largest life insurers in the world. In the UK, they offer accident and illness cover for individuals, as well as group protection schemes for employers. They bring significant global financial strength to the UK market.

As an independent firm, we’re not tied to MetLife. If they’re the best option for your circumstances, we’ll tell you. If another provider offers better definitions, pricing or terms, we’ll tell you that too.

On this page

MetLife UK protection products

MetLife offers accident and illness cover to UK individuals, as well as group protection products for employers.

Also available

Group Protection

MetLife is well known in the UK group protection market, offering group life assurance (death in service), group income protection and group critical illness cover for employers. If you’re a business owner looking to set up employee benefits, we can advise on this too.

Independent access: As an adviser, we can compare MetLife with other UK protection providers. Get in touch for a comparison.

Founded

1868

Operations in

40+ countries

UK products

Individual & group

Added benefits

Support Services

MetLife Support Services, added-value benefits

MetLife Support Services is their added-value wellbeing service, included with their protection policies. It gives policyholders access to a range of health and wellbeing services, without needing to make a claim on their policy.

24/7 GP helpline

Access to a 24-hour GP telephone helpline, allowing policyholders to speak to a qualified doctor at any time of day or night, without waiting for an NHS appointment.

Mental health support

Access to mental health support services, including the ability to speak to a mental health professional. Designed to help policyholders address concerns early before they escalate into more serious conditions.

Second medical opinion

Access to a second medical opinion service, allowing policyholders to seek an expert review of a diagnosis or treatment plan from a specialist consultant, particularly valuable following a serious diagnosis.

Bereavement counselling

Access to bereavement counselling for policyholders and their families, providing emotional support during one of life’s most difficult times.

Legal and financial helplines

Access to legal and financial helplines providing guidance on a range of practical matters, from employment issues and debt advice to wills and estate planning queries.

Please note: MetLife Support Services are provided by third parties and are not part of the core insurance contract. They may be amended or withdrawn at any time. Always refer to MetLife’s own documentation for the most current details.
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Global financial strength, local UK protection

MetLife was founded in New York in 1868 and has grown into one of the world’s largest insurance companies, with operations in more than 40 countries and serving tens of millions of customers globally. This global scale brings significant financial strength and stability to their UK policyholders.

In the UK, MetLife operates through MetLife Europe d.a.c., which is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Their UK individual protection products are distributed through independent financial advisers.

MetLife is particularly well established in the UK group protection market, providing death in service, group income protection and group critical illness cover to employers across the country. Their individual protection range brings this same financial strength to personal policies.

Why use an independent adviser for MetLife?

MetLife individual protection products are distributed through independent financial advisers in the UK. We can compare MetLife with other UK protection providers, including Guardian, Royal London, Legal & General, Aviva, Zurich, Vitality and LV=, and explain which policy may suit your circumstances.

This matters particularly for critical illness cover, where the breadth of condition definitions varies significantly between providers. A policy that looks similar on price may offer very different real-world protection depending on how conditions are defined.

There is no charge to you for our service. The insurer may pay us commission if you take out a policy.

We are not MetLife. We can advise on MetLife and many other providers, and we’ll always tell you honestly which one suits you best.

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Scottish Widows Protection Explained

Life insurance, critical illness and income protection from one of the UK’s oldest insurers, founded 1815.

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HSBC Life Insurance Explained

Life insurance, critical illness and income protection from HSBC Life (UK) Limited.

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Aviva Global Treatment Explained

Access to world-leading hospitals and treatments for six serious conditions.

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Get Protection Advice

Not sure which provider is right for you? Send us an enquiry for an honest view.

Contact us
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Protection advice, available across the UK

That’s Family Finance provides protection advice to families and individuals across England, Scotland, Wales and Northern Ireland. Whether you’re in London, Manchester, Birmingham, Leeds, Bristol, Sheffield, Edinburgh, Cardiff, Glasgow, Essex or anywhere in between, we work with you remotely or in person to find the right cover for your circumstances.

We advise on MetLife alongside other protection providers, including Guardian, Royal London, Legal & General, Aviva, Zurich, Vitality and LV=.

We are not MetLife. That’s Family Finance can advise on MetLife and many other providers, and we’ll always tell you honestly which one suits you best.

Want to know if MetLife is right for you?

Send us an enquiry or reach us on WhatsApp for an honest, no-obligation view.

Not tied to MetLife

Common questions

Questions we’re asked about MetLife protection.

What protection products does MetLife offer in the UK?

MetLife offers accident and illness cover to UK individuals, as well as group protection products for employers.

Is MetLife regulated in the UK?

Yes. MetLife Europe d.a.c. is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in the UK.

What is MetLife Support Services?

MetLife Support Services is their added-value wellbeing service, giving policyholders access to a 24/7 GP helpline, mental health support, a second medical opinion service, bereavement counselling, and legal and financial helplines.

Can I get MetLife protection through an independent adviser?

Yes. MetLife protection products are available through FCA-regulated independent financial advisers.

What makes MetLife different from other UK protection providers?

MetLife is one of the world’s largest insurance companies, bringing global financial strength to the UK market. Their individual protection products include some flexible options around guaranteed insurability and benefit structure.

How do I compare MetLife against other UK insurers?

An adviser like That's Family Finance can compare MetLife with other UK protection providers and recommend a suitable policy for your circumstances.

MetLife Support Services are provided by third parties and are not part of the core insurance contract. They may be amended or withdrawn by MetLife at any time. Always refer to MetLife’s own policy documentation for the most current details, including the full list of covered conditions, definitions, and exclusions.

We are not MetLife. This page contains information about MetLife’s protection products based on MetLife’s published materials at the time of writing. Always refer to MetLife’s own documentation for the most current details. MetLife Europe d.a.c. is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority.

Talk it through with us

Tell us what you have in mind and we will come back to you, usually the same day. We are open Monday to Saturday, 9am to 8pm.