Listen, Folks, Please don't die!! My mom had a basic Life and Accidental Death Policy with MetLife though a major union in NYC...how bout it it is minimal...and they will loose your paperwork because the money needs to be put into an interest bearing account... They lose everthing and DO NOT WANT TO PAY WHEN "GOD FORBID" something really happens to someone you love" DO NO PUT YOUR LIFE IN THERE HANDS.""""