This guide walks you through every step of managing a MetLife life insurance policy as a POA agent, caregiver, or estate representative — including the one thing most people miss: whether the policy is still with MetLife at all, or whether it transferred to Brighthouse Financial in 2017. It covers POA registration, beneficiary changes, premium payments, and death claims, with clear steps for each situation and the exact email address and phone numbers to use.
When you download this guide, you get a complete, verified roadmap for handling MetLife life insurance as a POA agent or family caregiver:
MetLife vs. Brighthouse Financial check — how to use MetLife's Policy Finder to confirm which company actually holds the policy before you spend time on the wrong process entirely
POA registration walkthrough — the email to send, what to attach, and what to expect during the 10–15 business day review window
Beneficiary change instructions — how to verify your POA has the explicit authority MetLife requires, which form to use, and the specific checkbox on the form that signals whether POA changes are permitted at all
Group policy warning — why some employer group life insurance policies prohibit ALL POA beneficiary changes, and what your options are if yours is one of them
Premium payment setup — how to keep a policy from lapsing while POA is being processed, including the Electronic Payment Account Agreement for automatic deductions
Death claim filing — how to choose between the individual and trust/entity claim kits, what documents are required, and how MetLife's Total Control Account works if you need time before making financial decisions
7 common rejection and delay scenarios — including POA rejected for insufficient beneficiary authority, lost submissions, old POA re-notarization requests, and estate claims without probate letters
Phone scripts and email templates — ready-to-use language for calling MetLife's policy service line and a pre-written email for POA registration requests