Through our employer, we set up an annuity contract with Metlife. We noticed that after two pay periods Metlife still had zero in our accounts. After calling the company, they said no money had been sent to them because they had no record of it. They blamed the payroll department for not sending them the money. When two months had passed, the payroll department had the cancelled checks that Metlife had deposited, however, we still had zero balance because they said they still hadn't received any money. We contacted the Attorney General for our state. They investigated and somehow Metlife was able to find the money in about four days. I would advise anyone to stay away from Metlife. However, if you're currently involved with this company and have problems, contact the Attorney General for your state and file a complaint. If they get enough of these, they will either have to become an honest company or go out of business.