{"id":63183,"date":"2023-07-17T11:40:08","date_gmt":"2023-07-17T11:40:08","guid":{"rendered":"https:\/\/adamfayed.com\/?p=63183"},"modified":"2025-11-07T06:37:40","modified_gmt":"2025-11-07T06:37:40","slug":"metlife-international-wealth-builder-review","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/review-articles\/metlife-international-wealth-builder-review\/","title":{"rendered":"An\u00e1lisis de MetLife International Wealth Builder"},"content":{"rendered":"<p><a href=\"https:\/\/www.metlife.ae\/en\/who-we-are\/about-us\/\" target=\"_blank\" rel=\"noreferrer noopener\">MetLife<\/a> is one of the largest insurance companies in the world, with over 90 million customers. They are listed on the New York Stock Exchange.<\/p>\n\n\n\n<p>MetLife does also provide investments. This plan is an investment-linked assurance investment widely sold in the Middle East and beyond.<\/p>\n\n\n\n<p>If you already have this investment, or been proposed it, and are looking for alternatives as an expat, you can contact me via email (hello@adamfayed.com) or WhatsApp +44-7393-450-837.<\/p>\n\n\n\n<p>This article is here for informational purposes only. Some of the facts might have changed since we wrote it, even though we have tried to be as accurate as possible. You should rely on your own research before making investments or purchasing insurance, to make sure you are getting updated information.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What are the basics of this plan?<\/strong><\/h2>\n\n\n\n<p>The basics of this plan are the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can invest for 10 to 25 years<\/li>\n\n\n\n<li>Contributions can be made monthly, quarterly or yearly<\/li>\n\n\n\n<li>If you keep contributing, you receive bonuses which will help the investment value.<\/li>\n\n\n\n<li>You can add supplementary medical cover for critical illnesses<\/li>\n\n\n\n<li>If you are unable to work due to sickness, you can get up to two years of premium paid, which is a short-term incapacity benefit<\/li>\n\n\n\n<li>The ability to receive portable, worldwide, cover, subject to terms and conditions. If you move to sanctioned countries, such as Iran, they are exempt<\/li>\n\n\n\n<li>Up to four partial withdrawals per year<\/li>\n\n\n\n<li>Second medical opinions available<\/li>\n\n\n\n<li>Three different investing strategies are available. Conservative, balanced and aggressive strategies. This is based on how much risk you wish to take.<\/li>\n\n\n\n<li>This plan can be issued for people between one month and 85 years old.<\/li>\n\n\n\n<li>The only currency available is USD.<\/li>\n\n\n\n<li>The minimum premium is $4,800 yearly for ten-year plans and $2,400 for plans above ten years.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfCu\u00e1les son los gastos?<\/strong><\/h2>\n\n\n\n<p>The charges are 1.44% for the first half and a half years and 1.20% after that.<\/p>\n\n\n\n<p>You are also charged 5% per annum of total premiums.<\/p>\n\n\n\n<p>The bonuses partly negate these charges, but the plan is still not one of the cheaper plans of its kind in the market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What are the positives associated with this plan?<\/strong><\/h2>\n\n\n\n<p>The plan has some of the following positives associated with it:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It allows you to save for your children\u2019s education directly. Many other providers allow you to change the ownership of the account at age 18.<\/li>\n\n\n\n<li>Like many plans of this kind, there are free and unlimited switches.<\/li>\n\n\n\n<li>If you are looking for a medical, rather than investing, plan, then it has plenty of positives.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What are the negatives associated with this plan?<\/strong><\/h2>\n\n\n\n<p>The negatives associated with this plan are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Having medical and investment plans together is seldom as cheap as doing it individually.<\/li>\n\n\n\n<li>This plan is more of a \u201cmass market\u201d option rather than for high-net-worth individuals. Therefore, there is a lack of sophisticated investment options for this solution. For example, you can\u2019t find alternative investments in this solution.<\/li>\n\n\n\n<li>You are getting an \u201coff-the-peg solution\u201d which isn\u2019t completely tailored precisely to your needs. For example, there are three investment strategies, depending on how much risk you want to take. But most people won\u2019t neatly fit into one of those three categories. Some other providers allow the advisors to pick more specific funds or ETFs<\/li>\n\n\n\n<li>No capital protection, unlike some other plans in the market.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusi\u00f3n<\/strong><\/h2>\n\n\n\n<p>There are some positives about this plan. Some people might like the convenience of having a medical and investing plan under the same roof. Others might like MetLife\u2019s prominent brand name.<\/p>\n\n\n\n<p>However, for most people, there are cheaper options with more sophisticated investment choices. <\/p>\n\n\n\n<p>This isn\u2019t, therefore, a bad medical plan. It isn\u2019t the best investment plan, though.<\/p>\n\n\n\n<p><strong>\u00bfLe duele la indecisi\u00f3n financiera? <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"288\" src=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg\" alt=\"\" class=\"wp-image-117505\" style=\"width:683px;height:auto\" srcset=\"https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-512x288.jpg 512w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-300x169.jpg 300w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-768x432.jpg 768w, https:\/\/adamfayed.com\/wp-content\/uploads\/2025\/03\/Adam-Fayed-Contact_CTA3-scaled.jpg 825w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/become-adams-client\/\">Convi\u00e9rtase en mi cliente<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/good-match-quiz\/\" target=\"_blank\" rel=\"noreferrer noopener\">Realice el cuestionario de elegibilidad de clientes<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/adamfayed.com\/es\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">P\u00f3ngase en contacto con<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Adam es un autor reconocido internacionalmente en temas financieros, con m\u00e1s de 830 millones de respuestas en Quora, un libro muy vendido en Amazon y colaborador de Forbes.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>MetLife is one of the largest insurance companies in the world, with over 90 million customers. They are listed on the New York Stock Exchange. MetLife does also provide investments. This plan is an investment-linked assurance investment widely sold in the Middle East and beyond. If you already have this investment, or been proposed it, [&hellip;]<\/p>","protected":false},"author":1,"featured_media":63184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10166176115445471_100883565069113":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[11534],"tags":[],"class_list":["post-63183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-review-articles"],"_links":{"self":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/63183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/comments?post=63183"}],"version-history":[{"count":2,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/63183\/revisions"}],"predecessor-version":[{"id":230534,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/posts\/63183\/revisions\/230534"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media\/63184"}],"wp:attachment":[{"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/media?parent=63183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/categories?post=63183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adamfayed.com\/es\/wp-json\/wp\/v2\/tags?post=63183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}