Pure Protection

METLICO cannot change destiny but can certainly soften the financial damage of the loss.

All individuals are exposed to numerous risks, this is subject to destiny where the unforeseen happens. People go through 2 kinds of pain:

  • The loss of life or health
  • The financial impact of such loss

METLICO cannot change destiny but can certainly soften the financial damage of the loss.

At METLICO, we estimate the financial loss to the family associated with a person’s death, disability, or sickness. We developed a list of products that would soften the financial impact of these stressful happenings.

Here is a list of our products with a brief description of the major features of these products:

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ADB - Accidental death benefit

If a covered person dies due to an accident, METLICO will pay the beneficiaries the Accidental Death amount in addition to the basic policy death benefit.

ICR Acc. - Income Continuation Rider due to accident

If a covered person dies due to accident, METLICO will pay the beneficiaries a monthly benefit for a period of 120 or 240 months as selected by the policy owner to ensure continuation of income after the policy owner passed away

ICR TPD - Income Continuation Rider in case of Total Permanent Disability

If a covered person suffers from total and permanent disability, METLICO will pay the beneficiaries a monthly benefit for a period of 120 or 240 months as selected by the policy owner to ensure continuation of income.

PPD - Partial Permanent Disability

If a covered person suffers from partial permanent disability which means a loss of or inability to move or use any part of body as defined in the rider due to sickness of accident, METLICO will pay the beneficiaries the PPD benefit.

TPD - Total Permanent Disability

If a covered person suffers from total permanent disability which means suffering from an accident or sickness that totally prevents him from participating in any work to earn a living, METLICO will pay the beneficiaries the TPD benefit.

PWR in case of death - Passive War Risk

If a covered person dies due to passive war as defined in the rider, METLICO will pay the beneficiaries the PWR in case of death benefit.

TTD - Total temporary disability due to accident/sickness

If a covered person suffers from total temporary disability which means being temporary unable to participate in any work to earn a living due to sickness or accident, METLICO will pay the beneficiaries the TTD benefit.

WOC Acc. - Waiver of contribution in case of TPD due to accident

If a covered person suffers from total permanent disability due to accident, METLICO will waive the future planned contributions.

CI – Critical illness

If a covered person suffered from critical illness like cancer or renal failure METLICO will pay the beneficiaries the critical illness benefit to cover the anticipated loss of income resulting from the illness.

ICR death - Income Continuation Rider (ICR) Death Only

If a covered person dies due to natural causes, METLICO will pay the beneficiaries a monthly benefit for a period of 120 or 240 months as selected by the policy owner to ensure continuation of income after the policy owner passed away.

LTR - Level Term Rider

If a covered person dies, METLICO will pay the beneficiaries the level term rider amount in addition to the basic policy death benefit.

PPD Acc. - Partial permanent disability accidental

If a covered person suffers from partial permanent disability which means a loss of or inability to move or use any part of body as defined in the rider due to accident, METLICO will pay the beneficiaries the PPD benefit.

TPD Acc. - Total permanent disability accidental

If a covered person suffers from total permanent disability which means suffering from an accident that totally prevents him from participating in any work to earn a living, METLICO will pay the beneficiaries the PPD benefit.

PWR in case of TPD - passive war risk

If a covered person suffers from total permanent disability due to passive war as defined in the rider, METLICO will pay the beneficiaries the PWR in case of TPD benefit.

WOC - Waiver of contribution in case of TPD

If a covered person suffers from total permanent disability, METLICO will waive the future planned contributions.
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