I took the policy from Metlife 4 years ago. I have been paying the premium on time on yearly basis. I was thinking I received the Insurance certificate from them. Finally I realized I never received any proof of certificate from them. Also I changed the address recently. It is a huge and humongous effort to change the address thus far. I have asked for fresh certificate by have not received any response from them yet. The beauty of it is I don’t even know the status of my plans.
Customer service sucks and stay away from this company.