C.A.R. Group Life & AD&D Insurance
Life insurance is a cost-effective way to protect your family and your finances. It helps ensure your short and long-term financial obligations could be met if something unforeseen happens to you. C.A.R. is proud to offer a special open enrollment period for members to increase life insurance coverage with simplified enrollment.
If you’re a new C.A.R. member* or W2 employee you can apply for $25,000 or $50,000 of coverage without answering any health questions as long as you have not been hospitalized within the past 90 days from the date of application.**
If you’ve been a member for longer than 60 days, coverage is not guaranteed and you will be required to complete a statement of health and your application will be reviewed by Metlife.
Life Insurance Plan Highlights
- 2 Plans to choose from – $25,000 or $50,000 benefit
- Includes AD&D
*Affiliate members are not eligible for guaranteed life coverage but may apply for coverage with evidence of insurability.
**If you answer “yes” to the hospitalization question, then full underwriting is required, and coverage is subject to approval of MetLife.
Click HERE to Enroll Online TODAY
- Review plans & rates
- Make benefit elections
Important Documents & Forms
- MetLife Group Term Life and AD&D Benefit Summary
- 2023 MetLife Supplemental Life and ADD Enrollment Form
- MetLife Statement of Health Form (LUD 11-22-20)
- MetLife Dental Vision Life Rate Sheet
- MetLife Beneficiary Change Form
- MetLife Rating, Billing, Cancellation & Reinstatement
- Plan Administration and Fees
- Travel Assist Brochure
Please review our plan General Guidelines for complete information on eligibility and enrollment. New C.A.R. members, and those who have experienced a Qualifying Event may be eligible to enroll early.
If you have questions, please contact RealCare.
NEW! MetLife Home & Auto has significantly reduced rates for C.A.R. members (new and renewing policyholders). MetLife now offers several ways to save including multi-product discounts (life, disability, dental etc. in addition to auto and home), low mileage discounts (less than 7,000 miles per year), and experienced driver discounts (number of years with a license). METLIFE DISCOUNTS >>