Specialized Benefit Resources

Solutions for financing benefit liabilities using life insurance.

Our Specialized Benefit Resources (SBR) team partners with brokers and consultants in providing companies with solutions for financing benefit liabilities using life insurance. Whether looking to informally finance non-qualified benefits or to achieve benefit financing solutions with corporate or bank owned life insurance, our SBR team has the knowledge and tools to help employers navigate the complex regulatory issues and potential tax implications that are unique to benefits and benefit liabilities.

Explore Our Solutions


Improve your financial position while informally financing employee retirement and benefit program liabilities.

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Bank Owned Life Insurance (BOLI)

Generate earnings and informally finance employee retirement and benefit program liabilities.

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Mitigate risk and finance executive benefit liabilities.

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Leverage low-cost COLI Term to provide the security of death benefit protection.

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Funding Agreements

Funding agreements provide a simple institutional investment option and do not require individual insureds.

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One-Year Term Life

Get simple, straightforward term life-insurance policies that provide protection on a short-term basis.

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Benefits of Our Solutions

With access to our expert resources and consultative approach, your organization could realize a range of financial benefits that will enable you to continue to provide competitive benefit programs, including: 

  • A tax-efficient offset on your balance sheet  
  • A wide range of policy investment options  
  • Tax-deferred cash value growth  
  • Generally tax-free death benefits

Risk Solutions

As a top insurer in the risk solutions market, MetLife’s long history and experience in managing risk sets us apart. Discover how MetLife Risk Solutions supports our customers by reducing risk and uncertainty, and helping them deliver on their long-term promises. 

Why Choose MetLife?

Meet the Team

Get to know the people who will help you make the best choices for your employee benefit plan liabilities.

SBR Broker Portal

Already partnering with MetLife? With our SBR broker portal, you can manage your cases with web-based tools for e-reporting of policy information, fund performance, daily unit values and more.

Policies issued by one of the following MetLife companies: Metropolitan Life Insurance Company, New York, NY 10166; and Metropolitan Tower Life Insurance Company, Lincoln, NE 68516. Products are distributed by MetLife Investors Distribution Company (member FINRA). All are MetLife companies.

All guarantees are subject to the financial strength and claims paying ability of the issuing MetLife company.

Any discussion of taxes is for general informational purposes only and does not purport to be complete or cover every situation. MetLife, its agents and representatives may not give legal, tax or accounting advice and this document should not be construed as such. You should confer with your qualified legal, tax and accounting advisors as appropriate.