Income & Asset Protection

Your income is one of your biggest assets and your quality of life depends on it. Explore options that help safeguard and secure your family’s financial future.

View your Hearst benefit information.

Go to MyHEARST and select My Benefits & Resources under the Benefits & Pay tab. 

 

MyHEARST

Life insurance can help protect your family

Take control of your life insurance coverage so you’ll have the right protection in place for you and your family at all times.

Life Insurance

You can easily protect your family’s future, today

You do all you can to build the best life for your loved ones. It’s why you work hard, save what you can and try your best to plan for the future. Now you can help ensure that future by providing your loved ones with the financial protection only life insurance offers. This way, you’ll know that the life you’re working hard to build for your family will still move forward, no matter what happens.

  • Provides your family with necessary financial protection
  • Pays a monetary benefit to your beneficiary in the event of your death
  • Money can be used for a wide variety of purposes: final expenses, income replacement, paying off mortgage and other debts, childcare/education costs, and other short- and long-term expenses

80% of people think life insurance is more expensive than it actually is.1

How much Life insurance should you have?

Find out with our life insurance calculator

CAlculator

Legal Plans

Access to an attorney at a fraction of the cost

Getting legal help shouldn’t be difficult or unaffordable. But when the average rate for a lawyer is $370/hour2, common legal expenses can really dig into your savings. A legal plan provides professional legal counsel for everyday personal legal needs, at a fraction of a lawyer’s standard rate.

  • Access to legal advice and representation from a network of vetted attorneys
  • Typically covers a wide range of legal matters such as: wills and estate planning, buying or selling a home, debt collection, traffic tickets, family law and more
  • No copays, deductibles or waiting periods3

Did you know 54% of working adults experience a legal issue over the course of a year?4

View Documents

Tools & Resources

If your furry family member needed an unexpected trip to the vet, would you be prepared?

With Pet Insurance offered by MetLife1 you may be able to cover up to 90% on veterinary expenses at any licensed veterinarian, specialist or emergency clinic in the U.S.

Pet Insurance

Why Pet Insurance offered by MetLife

It pays a portion or the full cost of veterinary treatment of an ill or injured pet.

Pet insurance may not cover pre-existing conditions, so now is the time to take advantage of benefits like:

  • Flexible product offerings with straightforward pricing and deductible savings2
  • Quick 3-step enrollment and hassle-free claims experience
  • Among the shortest wait periods in the industry3

What does it cover4?

  • Accidental injuries
  • Illnesses
  • Exam fess
  • Surgeries
  • Medications
  • Ultrasounds
  • Hospital stays
  • X-rays
  • Diagnostic tests

 

And our coverage also includes, but is not limited to:

  • Hip dysplasia
  • Hereditary conditions
  • Congenital conditions
  • Holistic care
  • Chronic conditions
  • Alternative therapies
Learn More

Or call 800-GET-MET8

Life Disclosure

1 LIMRA - http://www.limra.com/uploadedFiles/limra.com/LIMRA_Root/Posts/PR/LIAM/PDF/Infographic_TrueCost.pdf

Legal Disclosures

2 Average hourly rate of $370 an hour based on years of legal experience, National Law Journal and ALM Legal Intelligence, Survey of law Firm Economics (2018).

3 When using a network attorney for a covered matter

4 MetLife research fielded by ORC International, between June and July 2017.

Like most group insurance policies, insurance policies offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact your benefits administrator or your MetLife Group Representative for costs and complete details.

Group legal plans provided by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, RI. Some services not available in all states. Please see your plan description for details. MetLife® is a registered trademark of Metropolitan Life Insurance Company, New York, NY. ©2020 MetLife Services and Solutions, LLC, MetLife Legal Plans, Inc., 1111 Superior Avenue, Suite 800, Cleveland, OH 44114

Pet Disclosures

1 Independence American Insurance Company (“IAIC”) is the insurance carrier for this product. PetFirst Healthcare, LLC, a MetLife company, is the policy administrator authorized to offer and administer pet insurance policies. Independence American Insurance Company, a Delaware insurance company, is headquartered at 485 Madison Avenue, NY, NY 10022. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact PetFirst Healthcare, LLC. Like most insurance policies, insurance policies issued by IAIC contain certain exclusions, exceptions, reductions, limitations, and terms for keeping them in force.

2 With deductible savings, your pet’s deductible automatically decreases by $25 each policy year that you don’t receive a claim reimbursement. May not be available in all states.

3 Accident coverage is midnight EST as of the day of enrollment compared to wait time of 2 to 15 days for many competitors. Illness coverage begins 14 days from the day of enrollment compared to 14 to 30 days for many competitors.

4 Provided all terms of the policy are met. Like most insurance policies, insurance policies offered by PetFirst Healthcare, LLC and underwritten by Independence American Insurance Company, contain certain exclusions, exceptions, reductions, limitations, and terms for keeping them in force.

5 2019-2020 APPA National Pet Owners Survey.

6 80% of claims are processed within 10 days or less.

7 Annual limit options range from $1,000 - $25,000 in $1,000 increments.

8 Deductible options range include: $0 - $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

9 Reimbursement options include: 65%, 70%, 80%, 90% and 100%.

10 This discount is not available in Tennessee. This discount is only available for individuals who access the policy through a group (10% for Groups > 1000 lives and 5% for Groups 50-999 lives).