MetLife

PerfectQuote offers MetLife Supplemental Health plans directly through the census workflow. Simply submit a census to receive quotes for the following products:

• Accident
• Critical Illness
• Hospital Indemnity
   

Pricing Assumptions 

Offering limited to groups in approved states. Any other group would need to be reviewed and approved on a case-by-case basis by Metlife.

Approved Lives Segment:

• Sold with MetLife Core Coverage: 10-99 
• Standalone VB: 50-99 

Situs Requirements - Available nationwide except for groups sitused in:

• North Dakota (ND)
• New Hampshire (NH)
• New Mexico (NM)
• Washington (WA)

Note: Groups sitused in New Jersey (NJ) and New York (NY) have separate product offerings.

Participation Requirements - Minimum participation is the greater of:

• 5 enrolled employees, or
• 5% participation

This requirement applies to each line of coverage.

Funding

• 100% Employee Paid

Commissions

Accident	MN, NY	Level 12.5%
	All Others	Level 20%
Critical Illness	IN, VA	Level 15%
	CT, MN, NY	Level 12.5%
	MD	Level 8%
	All Others	Level 20%
Hospital Indemnity	MN	Level 12.5%
	NY	Level 10%
	All Others	Level 20%

Rules

• A minimum of 4 weeks is required between the Notice of Sale and the effective date.
• MetLife will provide a formal Confirmation & Billing (C&B) document for customer review and signature upon receipt of the Notice of Sale.
• The following employee types are not eligible:
  • Retirees
  • 1099 workers
  • Leased employees
  • Contract employees

Excluded Industries

The following industries are not eligible for this offering:

Industry	SIC Codes
Mining, Drilling & Metals	1000–1499
Construction	1500–1799
Logging & Milling	2411–2429
Chemicals	2892, 3292, 3482–3484, 5169
Oil & Gas	1311–1389
Trucking	4212–4214
Railroads	4011
Longshore Operations	4412–4499
Nuclear & Atomic Power Facilities	4939
Racetracks, Recreation & Adult Entertainment	7996–7999
Unions, Associations, PEOs & Tribal Organizations	8611–8699
Police, Fire, Corrections, Prisons & Jails	9221–9229
Military	9711
Explosives	N/A
Asbestos	N/A

CBD & Cannabis Businesses

Companies involved in CBD, medical marijuana, or recreational marijuana may appear under retail, farming, or pharmaceutical classifications.

These groups are not automatically excluded. If a company manufactures or sells CBD or cannabis-related products, underwriting approval is required. Please consult MetLife Underwriting and MetLife Legal to determine eligibility.