Core Application Forms
Metropolitan Life Insurance Company (MetLife) requires a standard application form, NY-100, for all individual life policies issued in New York. This form captures personal data, health history, and beneficiary information, and must be signed by the applicant and a licensed agent.
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Policy Disclosure Documents
New York law mandates that MetLife provide a Summary of Benefits and Risks (SBR) and a New York State Insurance Department (NYSID) Consumer Notice. These documents, often attached as Exhibit A and Exhibit B, outline premium costs, policy features, and the insurer's grievance procedures.
Claims and Settlement Forms
When a claim is filed, the insured or beneficiary must complete the Claim Request Form (CRF-01) and attach supporting documentation such as death certificates or medical records. For accelerated death benefits, MetLife uses the Accelerated Benefit Request (ABR) form, which requires physician certification.
Policy Change and Endorsement Forms
Any amendment to an existing policy—such as adding a rider, changing beneficiaries, or adjusting coverage—requires a Policy Change Request (PCR) form. The PCR must be notarized if the change affects the policy's legal ownership.
Regulatory Filing and Compliance Forms
MetLife files periodic financial statements and statutory reports with the New York State Department of Financial Services (DFS). While these are internal to the insurer, policyholders may be asked to complete a Consent to Release Information (CRI) form to allow the DFS to verify coverage details.
Comparison of Common MetLife Forms
| Form | Purpose | Key Requirement |
|---|---|---|
| NY-100 Application | Initial policy purchase | Applicant signature & agent license number |
| SBR & NYSID Notice | Regulatory disclosure | Attached to policy packet |
| CRF-01 Claim Request | File a death or disability claim | Death certificate or medical proof |
| ABR Accelerated Benefit | Early payout for terminal illness | Physician certification |
| PCR Policy Change | Modify existing coverage | Notarized if ownership changes |
How to Submit Forms
MetLife accepts paper submissions by mail to its New York processing center, electronic uploads via the MyMetLife portal, or fax to the designated DFS compliance line. Electronic submissions are processed faster, but a signed PDF must retain the original signatures.
Common Mistakes to Avoid
- Leaving the applicant's signature blank or using a printed signature.
- Omitting required attachments, such as medical records for accelerated benefits.
- Submitting outdated versions of forms; MetLife updates its PDFs quarterly.
- Failing to notarize policy change forms when ownership is transferred.
Where to Find the Latest Forms
The most current MetLife forms are available on the company's official website under the "Resources > Forms" section and on the New York DFS website's insurer filing page. Always verify the version date before completing any document.