gemstone product


Putting you in control of your prosperity

If you enjoy putting your money to work so that you can enjoy the rewards, you might like Gemstone. It’s an investment plan that lets you choose where to invest and gives you the flexibility to switch funds according to market conditions.

Key Benefits

  • Invest from USD 200 a month
  • Tailor your plan with funds that suit your goals and risk profile
  • Enjoy up to four free fund switches a year to align your strategy with market conditions
  • Access cash after one year’s investment

Product features

Question Answer
Is it designed to help cover a mortgage?
  • No
Is it designed to provide a lump sum for loved ones?
  • Yes
Does the amount of coverage stay the same for the duration of the plan?

Coverage depends on the Account Value

Is it designed to have an investment opportunity?

Ability to select the investment strategy of your choice

How long does the coverage last?
  • Up to age 100
Can you put the plan in trust?
  • No
Is terminal illness benefit included?
  • No
Is critical illness coverage included?
  • No
Can you choose the amount of coverage?

Life insurance depends on the Account Value

Can you increase the amount of coverage during the plan terms?

Minimum USD 200

Can you get joint coverage?
  • No
Are both men and women eligible?
  • Yes
How much will it cost?
  • You decide this
  • More

Premium varies on the contribution period. Minimum premium starts from USD 200 per month

Can I pay in multiple currencies?


What is the age eligibility?
  • From 1 month to age 85
How do you apply?

Send us a request through our 'Contact us' page and a MetLife representative will get back to you

Let your money work for you!

With Gemstone, the process of accumulating money starts as soon as your policy is issued giving you a clear path towards the future you are aiming to have. Making regular contributions will help you benefit from the dollar cost averaging which results in buying more units when prices are low and fewer when prices are high.

Investment strategies to suit your risk profile

Gemstone provides you with access to a range of investment strategies. Based on your financial objectives and risk tolerance, you will have the freedom to select from one or from a combination of the Conservative, Balanced and Aggressive strategies.

At a glance

  • Flexible and affordable plan starting from USD 200 a month
  • Ability to reach the desired savings through access to various investment strategies depending on your risk profile; you may choose one or a combination among our conservative, balanced & aggressive strategies 
  • Ability to contribute in a guaranteed investment account and protect your wealth when markets are on the downside
  • Up to 4 free fund switches per year
  • Access to cash when required through a loan of up to 80% of the account value or through partial withdrawals


Call for a free, financial check up

Call 800 MetLife (800-638 5433) and speak to us,

or simply fill out our 'Contact Us' form


  • Contact us now

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“This plan is underwritten by American Life Insurance Company (MetLife) and is subject at all times to the terms and conditions of the Plan, Policy and riders issued by MetLife. The information published on this website is intended for general consumer understanding only and does not contain the full terms of the policy. Kindly refer to the policy document for the full terms and conditions.”

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