Jan 19, 2009 06:54 PM
7678 Views
Hello All, I would like to tell you about the MetLife Term Plan that I have taken 2 months ago. It is called MET Suraksha - TA.On searching for various insurance options which give me all 3 of following, I found MetLife the cheapest of all:1. Death Benefit: Rs. 25 Lac2. Accidental Death or Dismemberment: Rs. 10 Lac3. Critical Illness Benefit: Rs. 10 LacVery few plans give all of the 3 above at a less premium and in one policy itself.So I went to their site( http://www.metlife.co.in) and asked for an advisor.An advisor called me in the next 3 days and asked when I would be free to meet him. He was ready to meet me on a Sunday which was rather surprising!He asked me some questions like what I am looking for(Term Plan, not investment) and age etc. so that when he comes to meet me, he can tell me exactly how much premium I might have to pay.He came on time on the Sunday(he also called before he came, to confirm whether I was there or not). He showed me the plan I was looking for and I thought it gave me what I wanted at a cheap premium of just Rs. 680 per month(approx.)After that he showed me benefits of a ULIP plan of MetLife, but I told him I am not interested at all.He filled the Term Insurance form for me, took passport photocopy etc. and told me that in a weeks time, I will get a call to get my medical test done. I told him I would like to do the medical test also on a Sunday, to which he agreed(again!)So after 4 days, he emailed me the medical test confirmation letter and to my surprise, the medical test centre was just 2 minute walk away from my home!I was very happy that everything went as planned. Medical test was done and then in the next 4 days, he sent me an SMS telling my Policy Number and said that I will receive my documents in the next 3 days or so.In the next 3 days, I got the documents. There was not a single mistake in any document and it explained everything properly.He also emailed me an offer to join MetLife as Part Time or Full Time insurance advisor and to earn extra income if I can get anyone else to take policies! This was a good thing for me, although I don't need it now, its a good thing that at least they are offering something in times of recession and giving me some money if I get them insurance policies.All in all, there is no hassle with MetLife as per my experience. I am not sure about how easily they will settle claims if any, but atleast, with their attitude in the beginning, I am sure that they are a genuine insurance company with good ethics.In the policy document, they also gave me a loginID and password so that I can log into their site and view my policy etc.For me, it was a great experience being with MetLife, atleast for the first 2 months.I hope it remains the way it is.Thanks.
