Agents and Brokers

A message for brokers and independent agents

CarePlus is a Master General Agent that pays renewals up front on Long-Term
Care Insurance (LTCI) sales.
That simply means instead of receiving a small yearly payment on renewals over 15 or 20 or 25 years, you’ll receive everything coming to you the very first year. Then use your earnings however you wish—for immediate income, to reinvest, or to save for emergencies or major expenditures such as school tuition.

And we know that fast service and a quality product are essential to satisfying your varied clientele. You’ll get both these benefits with MetLife Long-Term Care Insurance offered through CarePlus.

The MetLife brand has become synonymous with financial strength, trustworthiness, dependability and security over a history spanning nearly 140 years. MetLife is recognized as a creative partner that plays a significant helpful role in people’s lives.

MetLife Long-Term Care Insurance Products are available with a variety of options, allowing you to quickly tailor a policy to your client’s needs and budget, including:

  • Benefit Periods
    2, 3, 4, 5 or 7 years

  • Elimination Period
    20, 45, or 100 days

  • Premium Waiver
    Yes, when benefit payments are being received.

  • Daily Benefits
    $50–$400 – in $10 increments (higher in New York).

  • Inflation Protection
    5% simple or compound (optional), and Future Purchase option.

  • Accelerated Payment Options

  • Multi-Life Programs
    For businesses with a minimum of 3 participants.

In addition, non-standard coverage may be available for clients who do not meet standard underwriting requirements.

MetLife service is acknowledged as the best in the business. Not only will you get fast quotes and fast response to policy questions, but you’ll have access to the MetLife Investors Long-Term Care Insurance Sales Desk, so you know how to sell against other carriers/products your client may be considering.

These products and services save you time and make you look good to your client so you can sell more Long-Term Care Insurance business—and with renewals paid up front through CarePlus, you’ll get all of your money the first year. Why work with anyone else for your LTCI needs? To start the appointment process as a MetLife broker through CarePlus, simply click the registration button below.

Or give us a call at (800) 597-7751 x500 and ask for
Jim Thomson, Vice President Sales.

For Agent Use Only. Not for Public Distribution.


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Long-Term Care Insurance is issued by Metropolitan Life Insurance Company ("MetLife®")
and is offered and/or distributed by CarePlus, an independent Master General Agent appointed to sell for
Metropolitan Life Insurance Company, New York, NY 10166.

“Upfront Renewals" are not available for sales in all states. Determination and payment of compensation amounts to agents as
"upfront renewals" for sales of long-term care insurance is the sole responsibility of CarePlus. Contact CarePlus for full details.