How to Cancel MetLife Insurance Policy Online or by Phone

You can learn how to cancel MetLife insurance in under five minutes. Knowing how to cancel MetLife life insurance is one of the steps to switching to a reliable life insurance company. Although MetLife is one of the best life insurance companies in the nation, several companies have A.M. Best ratings of "A+" or better. Shop around and compare multiple companies to secure the best rates.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Nov 22, 2021

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Quick Facts

  • You can learn how to cancel MetLife Insurance with one phone call
  • MetLife customers can’t cancel life insurance online
  • Comparing competitors can help you get a new policy

Do you want to know how to cancel MetLife insurance? You can cancel MetLife insurance in five minutes or less, but you’ll need to have your personal information ready to go.

But how do you cancel? To help, we’ll walk you through the process of canceling your MetLife policy right here.

Read this guide to learn how to cancel MetLife life insurance, as well as why you should compare term life insurance quotes from various companies.

After you learn everything about how to cancel MetLife insurance, enter your ZIP code in the free online quote tool above to compare multiple insurance companies near you.

How do you cancel MetLife life insurance by phone?

Canceling MetLife your life insurance is easy. To get started, follow these five steps to cancel a MetLife insurance policy.

  1. Call MetLife customer service at 1-800-638-5000
  2. Ask to speak with MetLife insurance representative
  3. Provide your name, address, and policy number
  4. Request a cancellation of your MetLife insurance policy
  5. If your free-look period hasn’t expired, ask about your refund

If you want to know how to cancel MetLife auto insurance online or otherwise, follow the same step-by-step process. However, auto insurance generally has no free-look period, so you may have a MetLife auto insurance cancellation fee.

Customers who’ve paid toward a life insurance policy during the free-look period will receive a refund. 

Can you cancel MetLife life insurance online?

No, you can’t. Although MetLife does have an email address on its website, you can’t use it for a cancellation request.

In fact, it’s very unusual to be able to cancel insurance online.

Can you cancel MetLife life insurance by mail?

MetLife Insurance Company doesn’t specify whether you can cancel MetLife by mail. However, sending a letter by mail to a life insurance company is a usually acceptable.

If you want to send a cancellation request to MetLife by mail, send your letter to this address:

MetLife, Inc.
200 Park Avenue
New York, NY 10166

Try sending your letter by express mail for faster service. Unfortunately, certified mail doesn’t get your request to MetLife any faster.

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What companies compete with MetLife’s term life insurance program?

MetLife’s term life insurance is one of the best in the United States. However, if you’re planning to cancel your MetLife life insurance policy, you should look at other companies first.

Here’s a list of the top life insurance companies in the nation and their average monthly term life insurance rates.

Average Monthly Life Insurance Rates by The Best Life Insurance Companies
CompanyAverage Monthly Life Insurance RatesA.M. Best Rating
Allstate$15A+
Banner Life$9A+
Guardian Life$10A++
Haven Life$11A++
John Hancock$11A+
MassMutual$10A++
Mutual of Omaha$12A+
Nationwide$13A+
New York Life$11A++
Northwestern MutualN/AA++
Pacific LifeN/AA+
PrimericaN/AA+
Principal$9A+
Protective$9A+
Prudential$16A+
State Farm$15A++
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Banner Life, Principal, and Protective are some of the cheapest life insurance companies on the list.

However, there are several other life insurance companies with perfect A.M. Best ratings. The “A++” ratings indicate that an insurance company efficiently pays out claims and keeps customers satisfied.

How do I switch from MetLife term life insurance?

While you wait for your MetLife life insurance policy to cancel, you can buy another life insurance policy at another company. In fact, you can buy your new coverage at any time, so there is no reason to wait.

It’s best that you don’t wait to get new life insurance, because rates go up as you get older.

Why should you cancel a MetLife life insurance policy?

There are a lot of reasons you might want to cancel your Metlife life insurance policy.

Some reasons you may want to cancel your MetLife life insurance policy include:

  • Your MetLife life insurance rates have become too expensive
  • You’re unable to negotiate lower MetLife life insurance quotes
  • MetLife life insurance policies don’t carry the benefits you need
  • You have found a better life insurance policy for your needs
  • MetLife’s financial strength is too low

Everyone’s situation is different, and your reasons may vary. However, if you cancel your MetLife policy to get cheaper coverage, do so as soon as possible. That’s because rates go up the older you get, and new health concerns can also affect rates.

When should I cancel my MetLife life insurance policy?

You can cancel your MetLife life insurance policy whenever you want. However, MetLife has a free-look period that lasts for 15 to 30 days. Therefore, to avoid paying, cancel within that time.

The free-look period may vary for each insurance product. To be sure, contact MetLife customer service.

How to Cancel MetLife Life Insurance: The Bottom Line

MetLife has a simple step-by-step process to cancel by phone. However, you can’t cancel MetLife life insurance online.

You can even cancel MetLife’s other insurance products using the same method. Unfortunately, you may pay a cancellation fee if you cancel your policy outside of the free-look period.

MetLife is one of the best life insurance companies in the United States. Before you cancel, check out our MetLife life insurance review for more details.

Now that you know how to cancel MetLife life insurance use our free online quote tool below to compare multiple insurance companies in your area.

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Frequently Asked Questions: How to Cancel MetLife Life Insurance

Do you want to know more about MetLife insurance? If so, read these answers to frequently asked questions.

#1 – Is MetLife going out of business?

No, it isn’t. However, MetLife has separated parts of the company and has sold them off. This includes auto insurance.

#2 – Is MetLife the best life insurance company?

According to the Insurance Information Institute, MetLife had the highest market share in the life insurance industry in 2020. However, the best company for you depends on your needs.

#3 – Is MetLife insurance expensive?

It depends on the policyholder. In fact, several factors determine whether affordable MetLife life insurance is available to you.

Younger policyholders tend to pay the least for life insurance, but seniors pay significantly more.

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