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Metropolitan Life Insurance defrauds customers by illicitly and secretively applying smokers' rates to children who don't smoke, claiming that by the time they are adults the kids will be smokers, a class action claims in Middlesex County Court.

Plaintiffs claim MetLife conceals this deceitful policy, which violates underwriting guidelines.

They claim MetLife's "'juvenile standard' or 'standard' rate and/or risk class is a blend of smoking and nonsmoking mortality experience. MetLife never disclosed this information to policyholders, defendant's own sales agents, or persons other than those MetLife actuaries and home office personnel involved in pricing MetLife's insurance policies."

Represented by Bruce Greenberg with Lite DePalma Greenberg & Rivas, plaintiffs demand treble damages for consumer fraud.

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