Metropolitan Life Insurance Review 2026
Metropolitan's Life Cover Plan offers two cover bands with a choice of medical or no-medical underwriting. Verified against Metropolitan's own site in July 2026.
Key features
- Cover to age 60: up to R1,000,000, with or without medical tests.
- Cover for life: up to R5,000,000, with or without medical tests.
- Premiums: from R95/month (cover for life, with medical tests) or from R120/month (cover to 60, no medical tests).
- Immediate Needs benefit: a cash advance available before your full claim is finalised.
- Skip-premium option: you can skip up to 6 premiums without losing cover.
- Value Protection: an automatic cover-increase feature to keep pace with inflation.
Metropolitan doesn't offer a cashback benefit on this plan — instead, a "return of premiums" add-on is available on term plans at extra cost. Funeral cover is sold as a separate product, not bundled into this life cover plan.
How to apply
WhatsApp or call 0860 724 724, use the adviser chatbot, or visit a branch.
Is it worth it?
The choice between medical and no-medical underwriting at different price points is genuinely useful — if you're healthy and willing to do the medical tests, the from-R95/month lifetime cover option is competitively priced. Compare life insurance providers before committing, since Metropolitan doesn't publish a single blended premium.
