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Retirement

Retirement means new beginnings, new joys and the possibility torealize the unfulfilled dreams of your youth. However, it’s alsoa time of anxiety, a time when financial independence is of upmost importance.

PNB MetLife’s comprehensive retirement plans ensure a financially secure retirement and guarantee your peace of mind. So that you can make your dreams a reality, anytime, anywhere.

Met Deferred Monthly Income PlanUIN 117N050V01

Features

Plan OverviewPlan at a GlanceProduct BenefitsReasons to Buy

You work hard today for a better future tomorrow. When it comes to spending your retirement years, you think of pursuing a hobby, travelling the world or enjoying your time with your grandchildren. Today, you get regular pay cheques to pursue yours and your family’s dreams. For these pay cheques to continue during your non working years you need to plan today.

Met Deferred Monthly Income Plan from PNB MetLife guarantees* a monthly income for you & your family during your non working years. You choose the monthly income that you want and we guarantee it. This Plan also provides for bonus payout every year till the end of the Policy term* (or on death) thus ensuring you peace of mind.

*Subject to all due premiums paid as per the premium payment chosen by you in met deferred monthly income plan. Premium Payment Term 5/7 YearsMin. Age at entry* 18 yearsMax. Age at entry* 55 YearsMax. age at maturity* 85 YearsPolicy Term 20/25/30 YearsMin. Monthly Income Rs. 4,000Sum Assured 120 times the Monthly Income for

Policy Term of 20 years180 times the Monthly Income for Policy Term of 25 yrs240 times the Monthly Income for Policy term of 30 years

Benefit Period 10/15/20 Years

* Age as on last birthday

Survival Benefits

On completion of 10 Policy Year till the policy maturity, subject to the Policy being in-force, you get.Enhanced monthly regular income = Guaranteed monthly income chosen at the inception + (Accrued bonuses at the end of the 10th policy year / (Benefit Payout Period*12))}.

The monthly regular income commences from the monthly anniversary date that immediately succeeds the completion of the10th Policy Year (i.e. completion of one month immediately afterthe completion of 10th policy year.

Also, you will get cash bonuses (if any) from 11th policy year till the policy term ends.

In case of the death of the Person Insured while receiving the Survival Benefit, the Enhanced Monthly Income will continue to be paid to the nominee till the maturity date.

Maturity Benefit

On attaining the maturity age, subject to the Policy being in-force, you will receive the last the Terminal Bonus, if any. This will be payable along with the final installment of the

monthly regular income.

Simple Reversionary Bonus

The policy will be eligible for Simple Reversionary Bonuses on completion of three policy years and the declared bonus will be credited at the end of the policy year immediately following thedate of declaration of bonus provided all the due premiums have been paid. The declaration of Simple Reversionary Bonus depends on the experience of the Company. The Simple Reversionary Bonus once declared stands attached to the policy benefits till the end of the 10th Policy Year. The reversionary bonuses accrued atthe end of 10th Policy Year is amortised over the Benefit PayoutPeriod and added to the monthly income chosen at inception. Thisforms the Enhanced Monthly Income as described above. The first payment of the Enhanced Monthly Income will commence from the monthly anniversary following the completion of the 10th Policy Year. Simple Reversionary Bonus will not accrue for lapsed policies.

Cash Bonus

Your policy will be eligible for Cash Bonus on completion of 10 Policy years and the declared bonus will be paid within 9 monthsfollowing the completion of each financial year. No Cash Bonus will be paid for lapsed policies.

Terminal Bonus

The Company may also declare a Terminal Bonus at the time of Policy maturity or at the time of payment of last monthly incomepayment (in case of death claim, provided all due premiums have been paid. The Terminal Bonus is payable only after payment of last monthly regular income payment and the same is not guaranteed.

Death Benefit

In the unfortunate event of death of the Person Insured while the policy is in force, the nominee/beneficiary will receive:-

a) If the Death of the Person Insured occurs before the 10th Policy Anniversary:

24 times the Monthly Income under the policy plus all the accrued Simple Reversionary Bonuses will be paid immediately on death, as a lump sum. Monthly Income chosen at the inception will commence from the first monthly anniversary falling immediately after the date of the death and continue to be paid to the nominee for the next 10/15/20 years as chosen by the Policyholder. The Simple Reversionary Bonuses accrued after the death will be paid in lump sum at the end of the 10th policy Year The policy will also be eligible for cash bonuses which may

be declared after the completion of 10th Policy Year.The policy terminates with the disbursement of the last Monthly Income payout, along with the payment of Terminal Bonus, if any.

b) If the Death of the Person Insured occurs after the 10th Policy Anniversary:

24 times the Monthly Income under the policy will be paid immediately on death, as a lump sum. In addition the nominee will continue to receive the revised Monthly Income being under payment under the Policy till maturity. On maturity, the nomineewill receive the Terminal Bonus declared, (if any), along with the final installment of Monthly Income. The policy will also beeligible for cash bonuses which may be declared after the completion of 10th Policy Year.

The maximum period for which Monthly Income is payable is 120/180/240 months from the commencement of first Monthly Incomepayment – in case the Benefit Payout Period chosen is 10/15/20 years respectively.

Note: The Terminal Bonus (if any) will be payable along with thefinal installment of monthly regular income. In case of death ofthe beneficiary / nominee during these guaranteed monthly regular income payments period, the due payments will be made tothe legal heir. On death of the Insured, no further premiums will be payable by the beneficiary. Also, the participation in bonuses will be over and above the defined monthly payouts.

1) Pay for 5/7 years to get Guaranteed* Monthly Retirement Income for upto 20 years from 11th year onwards

2)Your Guaranteed Monthly Retirement Income commences from Year 11 which is enhanced by the additional payouts* to boost your income.

3)Tax savings on buying along with Tax# free Monthly Income

4)Immediate lump sum paid in case of an unforeseen event of death while guaranteed monthly income continues as planned for your family irrespective of the number of premium paid

*Conditions Apply

Met Deferred Monthly Income Plan - 7UIN 117N076V01

Features


You work hard today for a better future tomorrow. When it comes to spending your golden years, you think of pursuing a hobby, travelling the world or enjoying your time with your grandchildren. Today, you get regular pay cheques to pursue yours and your family’s dreams. For these pay cheques to continue during your non -working years you need to plan today.

Met Deferred Monthly Income Plan-7 from PNB MetLife guarantee's** a monthly income for you & your family during yournon working years. You choose the monthly income that you want and we guarantee it. This Plan also provides for bonus payout every year till the end of the Policy term* (or on death) thus ensuring you peace of mind.

*Conditions Apply Premium Payment Term 7 YearsMin. Age at entry* 18 yearsMax. Age at entry* 55 YearsMax. age at maturity* 85 YearsPolicy Term 20/25/30 YearsMin. Monthly Income Rs. 5,000*Age as on last birthday

Survival Benefits

On completion of 10 Policy Year till the policy maturity, subject to the Policy being in-force, you getEnhanced monthly regular income = Guaranteed monthly income chosen at the inception + (Accrued bonuses at the end of the 10th policy year / (Benefit Payout Period*12))}.

The monthly regular income commences from the monthly anniversary date that immediately succeeds the completion of the10th Policy Year (i.e. completion of one month immediately afterthe completion of 10th policy year.

You will also get cash bonuses (if any) every year from 11th Policy year.

In case of the death of the Person Insured while receiving the Survival Benefit, the Enhanced Monthly Income will continue to be paid to the nominee till the maturity date.

Maturity Benefit

On attaining the maturity age, subject to the Policy being in-force, you will receive the last the Terminal Bonus, if any.

This will be payable along with the final installment of the monthly regular income.


The policy will be eligible for Simple Reversionary Bonuses on completion of three policy years . The Simple Reversionary Bonuswill be declared at the end of each of Financial Year and will be credited as on the date of the policy anniversary. The first bonus will be declared at the end of the Financial Year preceding the third Policy Anniversary so that the bonus vests immediately on completion of the 3rd Policy Anniversary. The Simple Reversionary Bonus once declared stands attached to the policy benefits till the end of the 10th Policy Year. The reversionary bonuses accrued at the end of 10th Policy Year is amortised over the Benefit Payout Period and added to the monthly income chosen at inception. This forms the Enhanced Monthly Income as described above. The first

payment of the Enhanced Monthly Income will commence from the monthly anniversary following the completion of the 10th Policy Year.

Cash Bonus

Your policy will be eligible for Cash Bonus on completion of 10 Policy years and the declared bonus will be paid within 6 monthsfollowing the completion of each financial year, on or before 30th September every year. No Cash Bonus will be paid for lapsedpolicies. Both in-force and death claim policies are eligible for Cash Bonus. The Simple Reversionary Bonus and the Cash Bonuswill be applied on the Base Sum Assured.

Terminal Bonus

The Company may also declare Terminal Bonus expressed as a percentage of declared Simple Reversionary Bonuses and the same will be payable upon policy maturity or upon earlier death claim.

Death Benefit


Death Benefit^


a) If the Death of the Person Insured occurs before the 10th

Policy Anniversary:

20% of the Total Income Benefit* plus all the accrued Simple Reversionary Bonuses & Terminal Bonus, if any, will be paid immediately on death, as a lump sum. Monthly Income chosen at the inception will commence from the first monthly anniversary falling immediately after the date of the death and continue to be paid to the nominee for the next 10/15/20 years as chosen by the Policyholder. The Simple Reversionary Bonuses accrued after the death will be paid in lump sum at the end of the 10th policyYear. The policy will also be eligible for cash bonuses which may be declared after the completion of 10th Policy Year.The policy terminates with the disbursement of the last Monthly Income payout.

b) If the Death of the Person Insured occurs after the 10th Policy Anniversary:

20% of the Total Income benefit plus the Terminal bonus, if any,under the policy will be paid immediately on death, as a lump sum. In addition the nominee will continue to receive the revised Monthly Income being under payment under the Policy tillmaturity. The policy will also be eligible for cash bonuses which may be declared after the completion of 10th Policy Year. Policy terminates with the disbursement of last monthly income payout

The maximum period for which Monthly Income is payable is 120/180/240 months from the commencement of first Monthly Incomepayment – in case the Benefit Payout Period chosen is 10/15/20 years respectively.

Note: In case of death of the beneficiary / nominee during theseguaranteed monthly regular income payments period, the due payments will be made to the legal heir. On death of the Insured, no further premiums will be payable by the beneficiary.Death claims happening from 3rd Policy Year are eligible for Simple Reversionary Bonus.

^ Total Income Benefit: Monthly Income * Benefit Period * 12

1) You get Guaranteed monthly regular income that you choose at inception becomes payable to you till maturity

2) Your loved ones get Guaranteed death benefit equal to 20% of Total Income Benefit, along with the bonuses (as applicable)

3) Your loved ones also get Guaranteed payment of monthly regular income even after the death of the Person Insured

4) Income Enhancers in the form of bonuses (if any).

5) You are eligible to get Tax# benefits under U/s 80C and 10(10D)

Met Monthly Income Plan

FeaturesPlan Overview Plan at a Glance Product Benefits Reasons to Buy

PNB MetLife offers 'Met Monthly Income Plan' a participating plan which guarantees you a monthly regular income for you and your family when you are there and even if you are not there for15 years or till end of the policy term. Moreover you choose themonthly income that you want and we guarantee you that amount.

A plan which provides for your retirement needs and helps you achieve financial freedom - 'Guaranteed'.

Entry Age (Last Birthday) Min – 18 yearsMax – 60 years

Maximum Maturity Age 85 years

Minimum Monthly Income Rs. 1,000 p.m.

Sum Assured (fixed) 180 times the Monthly Income

Premium Payment Term 5 years/10 years

Policy Term 20 years/25 years

RidersAccidental Death Benefit Rider

Death Benefit

In the unfortunate event of your death your nominee/beneficiary will receive:-

1. During the Premium Payment Term - 25% of the Base Sum Assuredplus all accrued simple reversionary bonuses is payable immediately. The monthly regular income also starts from the first monthly anniversary falling after the date of death and continues to be paid to the nominee/beneficiary for the next 15

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years. At the end of 15 years from the date of first monthly regular income payment, the policy ceases with payment of "Terminal Bonus", if any.

2. After the Premium Payment Term - 25% of the Base Sum Assured plus all accrued simple reversionary bonuses is payable immediately. The monthly regular income to the nominee/beneficiary continues for the remaining term till maturity. At the maturity date as chosen at inception, the policy ceases with payment of "Terminal Bonus", if any.

NOTE: In case of death of the beneficiary/nominee during these guaranteed monthly regular income payments period, the same willbe made to the legal heir.

Survival BenefitsYou get a monthly regular income that you have chosen at the inception of the policy for 15 years after the end of the Premium Payment Term. The monthly regular income commences from the monthly anniversary date that immediately succeeds the completion of the Premium Payment Term.

Maturity BenefitOn attaining the maturity age you will receive the accrued Simple Reversionary Bonuses along with the Terminal Bonus, if any.

A word about Bonuses

Simple Reversionary BonusThe policy will participate for Simple Reversionary Bonuses on completion of three years and the declared bonus will be credited on each policy anniversary occurring immediately after the date of declaration of bonus provided all the due premiums have been paid.

Simple Reversionary Bonus is declared by the Company starting from year 3 onwards based on the Company's experience and this is not guaranteed. Simple Reversionary Bonus is payable on deathof the life insured or on maturity whichever is earlier. The Simple Reversionary Bonus will not accrue once the death claim is settled and for the lapsed policies.

Terminal BonusThe Company may also declare a Terminal Bonus as a percentage ofthe accrued Simple Reversionary Bonus. The Terminal Bonus is payable only after payment of last monthly regular income payment and the same is not guaranteed.1. Guaranteed monthly regular income that you choose at inception payable for 15 years i.e. 180 months.

2. In case of unfortunate death during the term of the policy,

your family will immediately get an amount equal to 25% of the Base Sum Assured (45 times monthly regular income).

3. Guaranteed payment of monthly regular income even after the death of the Person Insured - If the monthly regular income has already commenced, the balance monthly income installments will be paid to the nominee as and when they are due. If the monthly regular income has not commenced, the same will be commenced starting from the first monthly anniversary following the date of death and shall be paid for the next 15 years to the nominee.

4. Payment of an additional Sum Assured in case of accidental dealth if Accidental Death Benefit Rider has been opted by you at inception.

5. Tax benefits* on both the amount invested and the benefits received under Section 80 C and Section 10 10D.

1. Guaranteed monthly regular income that you choose at inception payable for 15 years i.e. 180 months.

2. In case of unfortunate death during the term of the policy, your family will immediately get an amount equal to 25% of the Base Sum Assured (45 times monthly regular income).

3. Guaranteed payment of monthly regular income even after the death of the Person Insured - If the monthly regular income has already commenced, the balance monthly income installments will be paid to the nominee as and when they are due. If the monthly regular income has not commenced, the same will be commenced starting from the first monthly anniversary following the date of death and shall be paid for the next 15 years to the nominee.

4. Payment of an additional Sum Assured in case of accidental dealth if Accidental Death Benefit Rider has been opted by you at inception.


The chosen monthly income cannot be altered during the policy term

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2. Monthly Income PlanMet Monthly Income Plan

UIN 117N050V01

Features


PNB MetLife offers 'Met Monthly Income

Plan' a participating plan which

guarantees you a monthly regular

income for you and your family when

you are there and even if you are not

there for 15 years or till end of the

policy term. Moreover you choose the

monthly income that you want and we

guarantee you that amount.

A plan which provides for your retirement needs and helps you achieve financial freedom - 'Guaranteed'.

Entry Age (Last Birthday) Min – 18 yearsMax – 60 years


Minimum Monthly Income Rs. 1,000 p.m.

Sum Assured (fixed) 180 times the Monthly Income

Premium Payment Term 5 years/10 years

Policy Term 20 years/25 years

RidersAccidental Death Benefit Rider

Death Benefit

In the unfortunate event of your death your nominee/beneficiary will receive:-

1. During the Premium Payment Term - 25% of the Base Sum Assured plus all accrued simple reversionary bonuses is payable immediately. The monthly regular income also starts from the first monthly anniversary falling after the date of death and continues to be paid to the nominee/beneficiary for the next 15 years. At the end of 15 years from the date of first monthly regular income payment, the policy ceases with payment of "Terminal Bonus", if any.

2. After the Premium Payment Term - 25% of the Base Sum Assured plus all accrued simple reversionary bonuses is payable immediately. The monthly regular income to the nominee/beneficiary continues for the remaining term till maturity. At the maturity date as chosen at inception, the policyceases with payment of "Terminal Bonus", if any.

NOTE: In case of death of the beneficiary/nominee during these guaranteed monthly regular income payments period, the same will be made to the legal heir.

Survival BenefitsYou get a monthly regular income that you have chosen at the inception of the policy for 15 years after the end of the PremiumPayment Term. The monthly regular income commences from the monthly anniversary date that immediately succeeds the completionof the Premium Payment Term.

Maturity BenefitOn attaining the maturity age you will receive the accrued SimpleReversionary Bonuses along with the Terminal Bonus, if any.

A word about Bonuses



The policy will participate for Simple

Reversionary Bonuses on completion of three years

and the declared bonus will be credited on each

policy anniversary occurring immediately after the

date of declaration of bonus provided all the due

premiums have been paid.

Simple Reversionary Bonus is declared by the Company starting

from year 3 onwards based on the Company's experience and this is

not guaranteed. Simple Reversionary Bonus is payable on death of

the life insured or on maturity whichever is earlier. The Simple

Reversionary Bonus will not accrue once the death claim is

settled and for the lapsed policies.

Terminal BonusThe Company may also declare a Terminal Bonus as a percentage of

the accrued Simple Reversionary Bonus. The Terminal Bonus is

payable only after payment of last monthly regular income payment

and the same is not guaranteed.

Reason to buy

1. Guaranteed monthly regular income that you choose at inception payable for 15 years i.e. 180 months.

2. In case of unfortunate death during the term ofthe policy, your family will immediately get an amount equal to 25% of the Base Sum Assured (45 times monthly regular income).

3. Guaranteed payment of monthly regular income even after the death of the Person Insured - If the monthly regular income has already commenced, the balance monthly income installments will be

paid to the nominee as and when they are due. If the monthly regular income has not commenced, the same will be commenced starting from the first monthly anniversary following the date of death and shall be paid for the next 15 years to the nominee.

4. Payment of an additional Sum Assured in case ofaccidental dealth if Accidental Death Benefit Rider has been opted by you at inception.


Met Monthly Income Plan - 7 Pay UIN No: 117N064V01

Features


PNB MetLife offers 'Met Monthly Income

Plan-7 Pay' where you are required to

pay premium only for 7 years and get

back the Guaranteed Monthly Income

that you choose at inception for 8

years. At the end of the term you will

also get the accrued bonuses as a

lumpsum#.

A Monthly Income Plan that guarantees income to add to your income every month. Because these days growing needs demand morethan one income. Entry Age 18 yrs - 55 yrsMaximum Maturity Age 70 yearsMinimum Monthly Income Rs. 1,000 p.m.Sum Assured (fixed) 96 times the Monthly IncomePremium Payment Term 7 yearsPolicy Term 15 years Age Last Birthday

The Maximum Monthly Income available in this product is based onyour age at the time of buying the policy and is as follows:Age Maximum Monthly Income18-35 Rs. 30,00036-45 Rs. 20,00046-55 Rs. 10,000

Met Monthly Income Plan - 15 Pay


PNB MetLife presents, Met Monthly

Income Plan 15 Pay where you now have

the option to pay for 15 years and get

a steady guaranteed# monthly income

for 15 years. What’s more, at the end

of the term you will also get the

accrued bonuses# as a lumpsum #

Hence, this is a Monthly Income plan that guarantees# income to add to your income every month. Premium Payment Term 15 YearsMin. Age at entry* 18 YearsMax. Age at entry* 55 YearsMax. age at maturity* 85 YearsPolicy Term 30 YearsMin. Monthly Income Rs. 1,000Sum Assured 180 times the Monthly Income *Age Last Birthday

The chosen monthly income cannot be altered during the policy term

Survival Benefits You get a monthly regular income that you have chosen at the inception of the policy for 15 years after the end of the Premium Payment Term.

Death Benefit

In the unfortunate event of death of the Person Insured while the policy is in force, the

nominee/beneficiary will receive:-

1. During the Premium Payment Term - 45 times thechosen monthly income plus all accrued simple reversionary bonuses is payable immediately. The monthly regular income also starts from the firstmonthly anniversary falling after the date of death and continues to be paid to the nominee / beneficiary for the next 15 years. At the end of 15 years from the date of first monthly regular income payment (maximum of 180 monthly income payments), the policy ceases with payment of “Terminal Bonus”, if any. Premium payments cease immediately on death of the Policyholder during the premium payment term

2. After the Premium Payment Term - 45 times the chosen monthly income plus all accrued simple reversionary bonuses is payable immediately. The monthly regular income to the nominee/beneficiarycontinues for the remaining term till maturity ispayable. No reversionary bonus is declared for policies in case death claims have been paid (i.e. maximum of 180 monthly income payments fromthe date of commencement of the first monthly income payment). At the maturity date as chosen at inception, the policy ceases with payment of “Terminal Bonus”, if any.

Maturity BenefitOn attaining the maturity age you will receive the accrued Simple Reversionary Bonuses along with the Terminal Bonus, if any. This will be payable alongwith the final installment of the monthly regular income.


The policy will participate for Simple Reversionary Bonuses on completion of three yearsand the declared bonus will be credited at the end of the policy year occurring immediately after the date of declaration of bonus provided all the due premiums have been paid.

Simple Reversionary Bonus is declared by the Company every year starting from 3rd year onwardsbased on the Company’s experience and this is notguaranteed. Simple Reversionary bonus is payable on death of the life insured or on maturity whichever is earlier. The Simple Reversionary Bonus will not accrue from the date of lapse or death as applicable.

Terminal BonusThe Company may also declare a Terminal Bonus as a percentage of the accrued Simple Reversionary Bonus. The Terminal Bonus is payable only after payment of last monthly regular income payment and the same is not guaranteed.

1. Get chosen Guaranteed # Regular Monthly Income for 15 years i.e., 180 months.

2. You will get accrued bonuses # as a lump sum# at maturity of the plan

3. In addition to the death benefit your family will continue toget guaranteed monthly income as scheduled.

4. Tax benefits * are available on both Premium payment and the benefits received under Section 80C and 10 (10) D of the Income Tax Act, 1961 respectively.

3. money back

3. 1.Met Money Back

UIN: 117N075V01 Invest in our 10 year plan and get guaranteed# money back from the6th year onwards.

Features


It is the small happy moments spent with family and loved ones that stay with us for a life time. And it is these small momentsthat add up to make our life’s journey happy and fulfilling. These precious moments become more memorable when you are financially equipped to enjoy them. Our money back plan with its feature of money back at regular intervals works to make your moments even more memorable. This plan gives you a double benefit of guaranteed money back at regular intervals along with protection in case of an unforeseeneventuality.

Min. Age at entry* 13 YearsMax. Age at entry* 55 YearsMax. age at maturity* 65 YearsPolicy Term 10 Years onlyPremium Payment Term RegularMin./Max Sum Assured* 200000/No limit

Age: Last Birthday, *Min. Sum Assured for Ages 51 and above Rs.10 Lakhs

Survival Benefits:

You will receive 10% of the chosen Base Sum assured as survival benefits on the completion of 5th Policy Year up to 9th Policy Year.

Maturity benefit: In case of your survival till maturity, you will get 60% of Sum Assured at the end of the Policy Term.

Benefits at a glance

Death benefit: In case of unfortunate demise of the life insured, 100% of the Sum Assured is paid out as death benefit to the nominees, irrespective of the survival benefits already paid.

Reason to buy1. Regular survival benefits of 10% of Sum Assured payable on the completion of 5th Policy year up to 9th Policy year.

2. Total benefits of 110% of Sum Assured payable during the policy term

At the end of Benefits5th year 10% of Sum Assured6th year 10% of Sum Assured7th year 10% of Sum Assured8th year 10% of Sum Assured9th year 10% of Sum Assured10th year 60% of Sum Assured

3. In case of unfortunate demise of life insured, 100% of Sum Assured will be paid irrespective of the survival benefits already paid.

4. Tax benefits under section 80C and 10(10D).

4. investment Investment Plans

PNB MetLife’s Unit-Linked Insurance Plans ensure

systematic enhancement of your wealth. Be it

higher returns or the right blend of protection

and wealth optimization, they help you ensure

the right choice and peace of mind.

Please click on the plans listed below for further

details.

Met Smart Platinum Met Smart One

Met Easy Super Met DhanSamriddhi

4. 1. Met Smart Platinum

UIN: 117L066V01

Features


"IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIOIS BORNE BY THE POLICYHOLDER"

You have always wanted the best for yourself in life. Not surprisingly, your wealth creation & protection needs, which keep changing with your Lifestage, also deserve the best. Keeping this in mind, PNB MetLife is proud to present Met Smart Platinum, a Unit-Linked Plan which can be customized to match your ever changing financial needs! This whole life plan offers you the flexibility of short premium payment commitments along with a multitude of other benefits including the unique Auto Rebalancing Portfolio Strategy.Minimum Age at Entry(LBD) 7 years

Maximum Age at Entry(LBD) 70 years

Premium Payment Term (years)

5 pay/ 10pay/ entire term of the policy

Minimum Annualized Premium (in Rupees)

Rs 30,000 for Annual modeRs 60,000 for other modes

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http://www.pnbmetlife.co.in/MetLifeIndPlans_Inv_MetSmartPlatinum.aspx

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http://www.pnbmetlife.co.in/MetLifeIndPlans_Inv_MetEasySuper.aspx

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Minimum and Maximum multiple for Base Sum Assured

Minimum and Maximum Sum Assured multiple table

Premium Payment Modes Annual, Semi-Annual, Monthly, Quarterly

Death Benefit

In the unfortunate event of death, while the policy

is in force & before the maturity date, your

nominee will get the following death benefit

i) If the death of the Person Insured occurs before

the attainment of age 60:

The death benefit payable will be higher of

- The Base Fund Value (the value of units

pertaining to Base Premium Account), or

- The Base Sum Assured less all Partial

Withdrawals (excluding any withdrawals

made from Top-Up Premium Account), made

in accordance with the Partial

Withdrawal provisions in the last 24

months preceding the date of death of

the Person Insured, or

- 105% of the total Regular/Limited

Premiums paid

ii) If the death of the Person Insured

occurs on or after the attainment of age

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60:

The death benefit payable will be higher

of

- The Base Fund Value (the value of

units pertaining to Base Premium

Account) or

- Base Sum Assured less all Partial

Withdrawals (excluding any withdrawals

made from Top-Up Premium Account) made


Withdrawal provisions, during the last

24 months immediately preceding the date

of death or all Partial Withdrawals made


Withdrawal provisions post attainment of

age 60, whichever is higher or .

- 105% of the total Regular/Limited

Premiums paid.

In addition to any of i) or ii) above, and provided Top-Up

Premiums are paid the higher of:

- The Top-Up Fund Value (the value of units pertaining to Top-Up

Premiums) or

- Top-Up Sum Assured (less any Partial Withdrawals from Top-Up

Fund Value, as per partial withdrawal provisions before and after

age 60, as stated above)

- 105% of the total Top-Up Premiums paid

(As on the date of receipt of written intimation of Claim with

appropriate proof of death at our designated office) shall also be

payable.

Maturity BenefitThe policy matures upon attaining age 99 years. The maturity benefit is equal to the Total Fund Value in the Unit Account determined using the Net Asset Value on the maturity date will be payable.

Reason to buy

1. A unique plan for changing protection and investment needs.

2. Limited pay of 5 years and 10 years with 99 years of coverage.

3. Enhanced protection with riders.

4. A unique auto rebalancing option to help you capitalize on volatie market conditions.

5. *Tax Benefits as applicable.

4. 2. Met Easy Super

UIN: 117L069V01

Features

Plan OverviewPlan at a Glance

Product BenefitsReasons to Buy


While you plan to secure the happiness and future of your loved ones, give wings to your dreams of wealth creation. Security foryour family and your need of wealth creation should work together as you move ahead in life. We understand that at PNB MetLife, and hence we bring you Met Easy Super – an Easy Protection, Super wealth creation plan. While you ensure security for your loved ones, we work towards your goals of wealth creation - because you and your family deserve the very best. Boundary Conditions Eligibility CriteriaMinimum Age at entry* 18 yearsMaximum Age at entry* 60 years for 15 policy term & 55 years

for 20 year policy termPremium Payment term (years)

Entire term of the policy

Minimum Annualized Premium

Rs. 12,000 p.a.

Maximum Annualized Premium

Rs.120,000 p.a.

Policy Term 15 years and 20 yearsSum Assured 10 times the chosen Annualised PremiumPremium Payment modes Annual

Death BenefitIn the unfortunate event of death, while the policy is in force and before the maturity date, your nominee will get the following death benefit:

i) i) If the death of the Person Insured occurs before the attainment of age 60:The death benefit payable will be higher of- The Fund Value (the value of units pertaining to Regular Premium Account), or,- Sum Assured less all Partial Withdrawals made in accordance with the Partial Withdrawal provisions in the last 24 months preceding the date of death of the Person Insured. - 105% of the Total Regular Premiums paid less all Partial Withdrawals, made in accordance with the Partial Withdrawal provisions in the last 24 months preceding the date of death of the Person Insured.

ii) If the death of the Person Insured occurs on or after the attainment of age 60:The death benefit payable will be higher of- The Fund Value (the value of units pertaining to Regular Premium Account), or,

- Sum Assured less all Partial Withdrawals made in accordance with the Partial Withdrawal provisions, during the last 24 months immediately preceding the date of death or all Partial Withdrawals made in accordance with the Partial Withdrawal provisions post attainment of age 60, whichever is higher - 105% of the Total Regular Premiums paid less all Partial Withdrawals, made in accordance with the Partial Withdrawal provisions in the last 24 months preceding the date of death of the Person Insured or all Partial Withdrawal provisions post attainment of age 60, whichever is higher.

If death happens during the grace period, or in the subsequent notice period, before discontinuance of the policy, in case of non-payment of premiums under the base policy, the overdue charges, if any, comprising of Mortality Charges will be deducted from the death benefit.

Maturity Benefit

Maturity Benefit & Settlement OptionOn maturity of the policy you will receive the Total Fund Value as on the maturity date.If you wish to defer your maturity proceeds, you may choose to do so with the Settlement Option.

Reason to buy

1. Affordable investment with annual premium starting from Rs.12,000 p.a.

2. A unique Auto rebalancing# option to help you capitalize on volatile market conditions

3. Enhanced protection with ADB rider.

4. Liquidity with Partial Withdrawals & Policy Loans


#Terms and Conditions apply.

4.3 Met DhanSamriddhi

UIN-117L074V01 You have worked hard for your Money. So you deserve the best.

Features

Plan Overview

Plan at a GlanceProduct BenefitsReasons to Buy

Being prosperous, you have cherished the best in life. So your financial planning has to be truly best in class and provide youwith the greatest value for your hard earned savings. With this objective in mind, we present, Met DhanSamriddhi life insurance plan exclusively for preferred customers like you.This plan helps you maximize your wealth through low charges on the premium paid and through the consistent# performance of our funds. Boundary Conditions Eligibility CriteriaAges at entry (LBD)*

8 - 65 Years

Policy Term 10 YearsMinimum Single Premium

Rs. 2 Lakhs

Maximum Single Premium

No Limit, Subject to underwriting conditions

Sum Assured Multiple Option to choose 10 or 1.25 times the single premium (Only 1.25 times for above 40 years of age)

Premium Payment Mode Single

*Age: Last Birthday*

Product Benefits:

Maturity benefit: Maturity Benefit is equal to the Fund Value. You shall have an option to receive the Maturity Benefit as a lump sum or as structured payments using the Settlement Option facility.

Upon payment of the maturity benefit as lump sum, your Met DhanSamriddhi plan is terminated.

Loyalty Additions:Met DhanSamriddhi provides Loyalty Additions at maturity of the policy. The loyalty addition is 0.5% of the Average Single Premium Fund Value when the Single Premium is Rs. 10 Lakhs and more.

The Average Single Premium Fund Value takreen for Loyalty Additions is the average of the Fund Values for the last thirty six monthly anniversaries preceding the due date of Loyalty Addition. The Loyalty Additions would be paid based on the Single Premium Fund Value only. No loyalty additions are payableif the single premium is below 10 lakhs

Death benefit:In the unfortunate event of death, we pay Death Benefit to your Nominee. Death benefit payable is higher of the following three amounts.

(1) The Single Premium Fund Value, or(2) The Sum Assured less Partial Withdrawals* or(3) 105% of the Single Premium paid*Partial Withdrawals will have the following effect on your Sum Assured. Sum Assured payable on death is reduced by an amount which is higher of (i)all partial withdrawals made 24 months prior to death or (ii)all partial withdrawals made post attainment of age 60 1. Low charges on the Premium paid2. PNB MetLife has delivered consistent returns# on the funds.3. Access to your money any time after 5 Policy years4. Tax benefits as applicable4.4 Met Smart One

UIN: 117L068V01

Features



You work hard to fulfill your family dreams and wish everything that is best for them, whether it is your children's education or your child marriage or buying your dream house. We at PNB MetLife understand that your hard earned money should work equally harder for you. Hence we bring to you Met Smart One, which is investment cum protection single premium plan which along with its various investment management options facilitatesaccelerated wealth creation with Loyalty additions.With this plan you may also choose NAV Guarantee Fund which offers you attractive guaranteed Net Asset Value (NAVBoundary Conditions Eligibility Criteria

Minimum Age at Entry(LBD)

0 years (3 months)

Maximum Age at Entry(LBD)

65 years

javascript:showDetail1('Downloads/Brochures/Nav_Guarantee_Fund.pdf');

Minimum/Maximum Age at Maturity

18/75 years

Policy Term 10-20 years

Minimum Premium 18,000

Maximum Premium 500,000

Sum Assured Multiple 5 times of SP in the First Policy Year &1.25 times of SP for the remaining term of the Policy

Premium Payment Modes Single

Death BenefitIn the unfortunate event of your demise, while the policy is in force & before the maturity date, your nominee will get the following death benefit

i) If the death of the Person Insured occurs before the attainment of age 60:The death benefit payable will be higher of- The Single Premium Fund Value (the value of units pertaining to Base Premium Account), or - The Base Sum Assured less all Partial Withdrawals (excluding any withdrawals made from Top-Up Premium Account), made in accordance with the Partial Withdrawal provisions in the last 24months preceding the date of death of the Person Insured, or - 105% of the total Single Premium paid

ii) If the death of the Person Insured occurs on or after the attainment of age 60:The death benefit payable will be higher of- The Single Premium Fund Value (the value of units pertaining to Base Premium Account) or - Base Sum Assured less all Partial Withdrawals (excluding any withdrawals made from Top-Up Premium Account) made in accordancewith the Partial Withdrawal provisions, during the last 24 months immediately preceding the date of death or all Partial Withdrawals made in accordance with the Partial Withdrawal provisions post attainment of age 60, whichever is higher or .- 105% of the Single Premium paid.

In addition to any of i) or ii) above, and provided Top-Up Premiums are paid the higher of the below shall be payable.- The Top-Up Fund Value (the value of units pertaining to Top-UpPremiums) or - Top-Up Sum Assured (less any Partial Withdrawals from Top-Up

Fund Value, as per partial withdrawal provisions before and after age 60, as stated above)- 105% of the total Top-Up Premiums paid

Maturity Benefit

Maturity Benefit & Settlement OptionOn maturity of the policy you will receive the Total Fund Value as on the maturity date. If you wish to defer your maturity proceeds, you may choose to do so with the Settlement Option.

1. Pay once and enjoy the policy benefits for the chosen term.

2. NAV Guarantee Fund# for Guarantee returns.

3. Unique Stop Loss Option@ to protect you from market downswings.

4. A unique auto rebalancing option@ to help you capitalize on volatile market conditions.

5. Enhanced protection with riders.


@Terms and Conditions apply.

5. child plan

We all dream about fulfilling our child’s every need. With expenses rising by the day, however, we’re also worried about how to ensure it.

PNB MetLife’s child insurance planshelp future-proof your child’s tomorrow. They assure you that

Free the child’s potential, and you will transform him into the world.Maria Montessori (Italian physician and educator, 1870-

javascript:showDetail1('Downloads/Brochures/Nav_Guarantee_Fund.pdf');

there will be no surprise roadblocks down the road. So that you can make your child’s dreams a reality.

1952)

Please click on the plans listed below for further details.Met Bhavishya Met Junior Money Back

Met Junior Endowment Met Smart Child

5.1 Met Bhavishya

UIN: 117N016V01

Features

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

PNB MetLife offers 'Met Bhavishya' - a guaranteed money back plan that pays out funds to help you meet the education and career milestones of your children. With this plan, the Life Insured is that of the parent. The plan also has inbuilt guaranteed additions to add value to the policy over its term.

There are two options to choose from and fixed term benefits, periodic additions & terminal additions are payable based on theoption that you select. The policy is suitable for parents with children between the ages 0-12 and parents in the age group of 20-50 years old.

http://www.pnbmetlife.co.in/MetLifeIndPlans_Child_MetBhavishya.aspx




http://www.pnbmetlife.co.in/MetLifeIndPlans_Child_MetSmartChild.aspx

http://www.pnbmetlife.co.in/MetLifeIndPlans_Child_MetJuniorEndowment.aspx

http://www.pnbmetlife.co.in/MetLifeIndPlans_Child_MetJuniorMoneyBack.aspx





http://www.pnbmetlife.co.in/MetLifeIndPlans_Child_MetSmartChild.aspx

Coverage Term

Option A Option B

Minimum Entry Age of the Child

0 years 0 years

Maximum Entry Age of the Child

8 years 12 years

Minimum Entry Age of the parent

20 years 20 years

Maximum Entry Age of the Parent 50 years 50 years

Policy Term 21 years - Age atEntry

25 years - Age atEntry

Minimum Sum Assured Rs 1,00,000 Rs 1,00,000

Maximum Sum Assured No Limit No Limit

RidersAccidental Death Benefit Rider - (UIN:117B001V02)Critical Illness Rider - (UIN:117B007V01)Waiver of Premium Rider - (UIN:117B002V01)Term Rider - (UIN:117B003V02)

Death BenefitIn the event of death of the Person Insured (the parent), the family will receive a lump sum payment of Sum Assured. The fixedterm payment and maturity benefits will continue irrespective ofthe death of the Life Insured and all future premiums on the policy would be waived.

Maturity BenefitOn maturity of the policy, the plan offers Guaranteed Periodic Additions and Terminal Additions:1. Guaranteed Periodic Additions of 5% of the Sum Assured for every completed year.

2. Terminal additions of 20% of the total Guaranteed Periodic Additions.

Guaranteed Payouts

javascript:showDetail1('MetLifeRider_Term_Rider.aspx')

javascript:showDetail1('MetLifeRider_Waiver_Premium.aspx')

javascript:showDetail1('MetLifeRider_Critical_Illness.aspx')

javascript:showDetail1('MetLifeRider_Accident_Death_Benefit.aspx')

Option A: Policy matures at age 21 of the child.

Age of the Child Percentage of Payout Assumed Milestone

15 years 20% of Sum Assured Class X

17 years 30% of Sum Assured Class XII

20 years 50% of Sum Assured College

21 years Guaranteed Additions Higher Education

Option B: Policy matures at age 25 of the child.

Age of the Child Percentage of Payout Assumed Milestone

17 years 20% of Sum Assured Class XII

21 years 30% of Sum Assured College

23 years 50% of Sum Assured Higher Education

25 years Guaranteed Additions Wedding

1. Guaranteed payouts at critical milestones of the child’s life.

2. Guarantee of policy continuance in case of the untimely demise of parent.

3. Guaranteed payouts of 250%* of the chosen Sum Assured.


* When the term of the plan is 25 years.

5.2 Met Smart Child

UIN: 117L072V01

Features



Today, your role in your child’s life extends from being a provider to a nurturer, a mentor and a friend. You are a part ofyour child’s dreams and rising aspirations - the one responsibleto ensure that your child gets what they aspire for. This decision requires you to plan and be prepared for tomorrow. Our specially designed plans take care of the ever changing requirements of your child, be it the rising education cost, financial planning for his extracurricular developments or marriage. We understand each of your roles and participate with you to realize your child’s every dream.Minimum/Maximum Age at entry (LBD)* for Life Insured

18/55 years

Minimum /Maximum Age at entry (LBD)* for beneficiary

90 days/17 years

Premium Payment term (years) Same as policy TermMinimum Annualised Premium Rs. 18,000 p.a.Maximum Annualised Premium Till age 35 : 2 lakh

36-45 age: 1.25 Lakhs Age 46+ : 1 lakh

Policy Term 10, 15 & 20 yearsSum Assured 10 times the chosen Annualised

Premium onlyPremium Payment modes Annual, Semi Annual, Quarterly,

monthly and PSP (Payroll Savings Program)

*LBD :Age last Birthday

Death BenefitIn case of insured’s/Policyholder’s sudden demise, to take care of the unexpected emergencies and future planning of your child,your Policy entails following benefits:

1. Higher of Sum Assured or 105% of the Total Regular Premium paid is paid immediately to your beneficiary, subject to acceptance of claim by the company.

2. Future Premiums payments under the Policy will cease. In addition, the PNB MetLife will credit on a regular basis an amount equivalent to one annualized regular premium asa part of Premium Waiver Benefit (PWB) on a monthly basisinto Policyholder’s Fund.

The Policy shall continue to be in-force with deduction of all Policy Charges other than Mortality Charges and without any requirement to pay future premiums, till the date of maturity. To protect your savings from getting eroded by market volatilityin your absence, the Fund Values lying in Flexi Cap, Virtue II &Multiplier II Funds, at the time of insured’s death will be transferred to Balancer II, which is a moderate risk fund and this will protect your loved ones financial interest along with a potential of upside in the savings. The entire future paymentsequivalent to annualized regular premiums will be credited to Balancer II Fund on a monthly basis following the date of notification. First such payment will happen on the monthly anniversary (ie the same day of each month as the date of commencement of the Policy) following the date of notification of death and on a monthly basis thereafter.

No servicing requests like premium redirection, partial withdrawals, fund switches etc. will be allowed in the event of the death of the insured.

Maturity BenefitAt the end of the Policy term, Fund Value along with Loyalty additions, as applicable, will be paid to you.

Reason to buy

1. PNB MetLife takes care of the premiums for the Policy in caseof unfortunate demise of the parent.

2. Affordable investment with annual premium starting from Rs.18,000 p.a.

3. Systematic Transfer option to help you get the best of equitymarkets

4. Liquidity with Partial Withdrawals and unlimited switches to manage your funds


5.3 Met Junior Endowment

Features


PNB MetLife offers 'Met Junior' - a flexible endowment plan thatcombines savings and security. Your children's well-being is your highest priority. So we offer a plan which offers both timely and efficient "Return on Investment". All with a guarantee.

Met Junior is available in both participating (UIN:117N010V01) as well as non-participating versions(UIN:117N005V01).

Coverage Term

Par Non Par


0 years 0 years


14 years 14 years

Coverage Terms 15 - 30 years 15 - 30 years

Premium Payment Terms 15, 20, 25 or 30 years

15, 20, 25 or 30 years

Minimum Sum Assured Rs 50,000 Rs 50,000Maximum Sum Assured No Limit No Limit

RidersNot Available.

Death BenefitMet Junior-Non ParIn the event of death of the Person Insured, the nominee will receive the Sum Assured.

If death occurs before age 7, then the death benefit is equal tothe return of premiums plus interest on premiums.

Met Junior-ParIn the unfortunate event of death of the Person Insured, the nominee will receive the Sum Assured, the Reversionary Bonus andthe Terminal Bonus, if any.

If death occurs before age 7, then the death benefit is equal tothe return of premiums plus interest on premiums.

No bonuses are payable for the first two policy years or until the Insured attains age 7, whichever is later.





Maturity BenefitMet Junior - Non ParOn attaining maturity, the Person Insured will receive the Sum Assured.

Met Junior - ParOn attaining maturity, the Person Insured will receive the Sum Assured, the Reversionary Bonus and the Terminal Bonus, if any. 1. An endowment plan that offers both savings and life insurance.

2. Different premium paying options to suit various income cycles.

3. Available in both par and non par versions.

4. A plan which participates in the bonuses declared by the company (par).


Met Junior- Money Back

UIN: 117N006V01


PNB MetLife offers 'Met Junior Money Back' - a money back plan that combines savings and security. Your child's well-being is your highest priority. So we offer you a money back plan which provides guaranteed periodic survival benefits at the end of 5, 10 & 15 years, along with guaranteed growth of your savings.

A plan which offers both timely and efficient "return on investment" with payouts at different milestones.

Coverage Term

Par Non Par


0 years 0 years


14 years 14 years

Coverage Terms 20 years 20 years





Premium Payment Terms 20 years 20 yearsMinimum Premium Rs. 5,000 Rs. 5,000Minimum Sum Assured Rs 50,000 Rs 50,000Maximum Sum Assured No Limit (subject to

underwriting)No Limit (subject tounderwriting)

RidersNot Available.

Death BenefitIn the event of death of the Person Insured, the Sum Assured along with the Guaranteed Additions are payable.

The policyholder is entitled to Guaranteed Additions of Rs. 100/per Rs. 1000/- Sum Assured for each completed year.

If death occurs before age 7, then the Death Benefit is equal tothe return of premiums plus interest on premiums.

Maturity BenefitOn maturity, the Life Insured will receive the Survival Benefitsplus the Guaranteed Addition.

Survival Benefit

At the end of 5 years 20% of Sum AssuredAt the end of 10 years

20% of Sum Assured

At the end of 15 years

20% of Sum Assured

Upon survival to maturity

40% of Sum Assured plus total GuaranteedAdditions

1. Guaranteed Survival Benefit: Payment of 20% of Sum

Assured every year starting from 5th year up to maturity.

2. Guaranteed Maturity Benefit: - Guaranteed payment of 40% of Sum Assured. - Guaranteed addition of 10% of Sum Assured every year up to maturity.

3. Guaranteed Death Benefit: Guaranteed payment of Sum Assured along with guaranteed additions (accrued till that time). This is paid over and above the survival benefit payments made already.

4. *Tax Benefits as applicable under Section 80 C, 10(10D).

2.

6. Savings

What is life without a dream? Be it that grand wedding for your children, a house or a car. PNB MetLife savings plans help you realize your dreams and protect you and your loved ones from life’s uncertainties. Keep your savings growing and ensure complete peace of mind.

Please click on the plans listed below for further details.

Met Sukh Met Suvidha

6.1 Met Suvidha

Features


Plan OverviewMet Suvidha is a Flexible Endowment Plan that combines savings and security. In addition to providing you protection till the maturity of the plan, it helps you save for your specific long term financial objectives. This long term savings-cum-protectionplan comes to you at affordable premiums.

Met Suvidha is available in both participating (UIN:117N017V01) as well as non-participating versions (UIN:117N018V01).

Minimum Entry Age Par: 15 years - 60 yearsNon-Par: 15 years - 70 years

Term Par: - 15 years - 30 yearsNon-Par: 5 years - 30 years

Premium Paying Terms Single Pay, Limited Pay (5 or 10) & Regular Pay

Minimum Annual Premium Amount Rs. 2,500

Minimum Sum Assured Rs. 75,000

Maximum Sum Assured No Limit

http://www.pnbmetlife.co.in/MetLifeIndPlans_Savings_Met100.aspx

http://www.pnbmetlife.co.in/MetLifeIndPlans_Savings_MetSaral.aspx

http://www.pnbmetlife.co.in/MetLifeIndPlans_Savings_MetSuvidha.aspx

http://www.pnbmetlife.co.in/MetLifeIndPlans_Savings_MetSukh.aspx


http://www.pnbmetlife.co.in/MetLifeIndPlans_Savings_MetSuvidha.aspx



RidersAccidental Death Benefit Rider - (UIN:117B001V02) Critical Illness Rider - (UIN:117B007V01)Waiver of Premium Rider - (UIN:117B002V01)Term Rider - (UIN:117B003V02)

Death BenefitMet Suvidha - ParIn the event of death during the term of the policy, the beneficiary will receive the base Sum Assured, the accrued reversionary bonus and terminal bonus, if any.

Met Suvidha - Non ParIn the event of death during the term of the policy, the beneficiary will receive the base Sum Assured.

Maturity BenefitMet Suvidha - ParOn maturity of the policy, you will receive the base Sum Assured, the accrued reversionary bonus and terminal bonus, if any.

Met Suvidha - Non ParOn maturity of the policy, you will receive the base Sum Assured.

BonusesBonuses are available only on participating policies. The bonuses are not guaranteed as they are based on the Company’s actual investment returns, persistency and expense experience. No bonus is payable for the first 2 years of the policy.1. It is an Endowment plan that offers both savings and life insurance.

2. Different premium paying options to suit various income cycles.

3. A plan which participates in the bonuses declared by the company.

4. Customization possible with Accident Death Benefit, CriticalIllness, Term, Waiver of Premium riders for comprehensive protection.


Met6.2 met 100

Features






PNB MetLife presents Met 100 - a whole life policy where you paypremiums for 15, 20 or 25 years. It helps create a legacy for the children, leaving money for a dependant spouse and, more importantly, provides insurance cover at affordable rates.

Met 100 is available in both participating (UIN:117N011V01 - Met100 Gold & UIN:117N012V01 - Met 100 Platinum) as well as non-participating versions (UIN:117N001V01).

Par Non-Par

Minimum Entry Age 15 yrs 0 yrs

Maximum Entry Age 70 yrs for ppt of 15 yrs65 yrs for ppt of 20 yrs60 yrs for ppt of 25 yrs

70 yrs for ppt of 15 yrs65 yrs for ppt of 20 yrs60 yrs for ppt of 25 yrs

Premium Paying Terms

15, 20, 25 yrs 15, 20, 25 yrs

Minimum Sum Assured Rs. 50,000 Rs. 50,000

Maximum Sum Assured No limit (subject to UW)

No limit (subject to UW)

Minimum Annual Premium

Met 100 Gold: Rs. 2,500Met 100 Platinum: Rs. 7,500

Rs. 1,000 for issue age of < 15 yrsRs. 2,500 for issue age of > = 15 yrs


Death BenefitMet 100 - ParIn the event of death, the Sum Assured plus the Reversionary Bonus and Terminal Bonuses, if any, are payable.









Met 100 - Non-ParIn the event of death, the Sum Assured is payable.

Maturity BenefitMet 100 - Par On maturity of the policy, the Sum Assured plus the ReversionaryBonus and Terminal Bonuses, if any, are payable.

Met 100 - Non-ParOn maturity of the policy, the Sum Assured is payable. 1. A whole life plan where the duration is for life or till 99 years of age.

2. Limited premium paying term: Payment ceases but life cover continues throughout life.

3. Guaranteed benefit equal to the Sum Assured plus bonuses in aparticipating policy on death and maturity.

4. Loan facility available.


Met6.3 met Sukh

UIN: 117N003V02


PNB MetLife offers Met Sukh - a guaranteed Money-Back Policy which provides guaranteed periodic survival benefits at the end of 5, 10, 15 & 20 years and guaranteed additions of 10% of the Sum Assured for the entire term. It not only covers your life, but also guarantees you cash payments at various milestones along with guaranteed growth of your savings.

Entry Age Min - 15 yearsMax - 55 years

Coverage Term 20 years

Premium Payment Term Regular








Death BenefitIn the unfortunate event of death of the Person Insured, the SumAssured along with the Guaranteed Additions are payable.The policyholder is entitled to Guaranteed Additions of Rs. 100/per Rs. 1,000 of the Sum Assured for each completed year.

Maturity BenefitOn maturity, the life insured will receive the Survival Benefitsplus the Guaranteed Addition.

Survival Benefits

1. Guaranteed Survival Benefit: Payment of 20% of the Sum Assured every year starting from the 5th year till maturity.

2. Guaranteed Maturity Benefit: Guaranteed payment of 40% of Sum Assured. Guaranteed Addition of 10% of Sum Assured every year up to maturity.

3. Guaranteed Death Benefit: Guaranteed payment of Sum Assured along with Guaranteed Additions (accrued till that time). This is paid over and above the survival benefit payments already made.

4. Comprehensive protection by way of 4 riders.


At the end of 5 years 20% of the Sum Assured



Upon survival to maturity 40% of the Sum Assured plus Total Guaranteed Additions





Met 6.4 met Saral

UIN: 117N022V01


PNB MetLife presents Met Saral - a non- participating endowment plan. As the name suggests, it’s a simple savings plan which gets you into the savings habit without any medical tests. All you need to do is fill in a simple application form and you are ensured a guaranteed maturity amount of Rs 1,00,000, even in thecase of your death during the term. Take the first step towards a better financial future for yourself and your family. Ensure and insure the first Lakh.

Sum Assured Rs. 1,00,000

Minimum Entry Age 15 years - 50 years


Term 5 years / 10 years

Premium Paying Terms Regular Pay

Premium Paying Modes Annual, Semi-Annual

RidersNo riders available Death BenefitIn the event of death, the Sum Assured equal to Rs 1,00,000 is payable.

Maturity BenefitOn Maturity, of the policy the Sum Assured equal to Rs 1,00,000 is payable.

Reason to buy1. A simple plan with no medical tests.

2. Rs 1,00,000 guaranteed at maturity or in the event of death during the term.






7. Protection

Home loans, EMIs and other such liabilities are a regular feature in all of our lives. Yet none of us want the burden ofthese payments to fall on our loved ones. PNB MetLife’s protection plans act as that all-important shelter, guaranteeing you complete peace of mind.

Please click on the plans listed below for further details.

Met Suraksha Met Suraksha TROP

Met Suraksha Plus Met Mortgage Protector Plus

Met Protect

7. 1 Met Suraksha PlusNon participating planUIN 117N055V01

http://www.pnbmetlife.co.in/MetLifeIndPlans_Protection_MetProtect.aspx

http://www.pnbmetlife.co.in/MetLifeIndPlans_Protection_MortgageProtectorPlus.aspx

http://www.pnbmetlife.co.in/MetLifeIndPlans_Protection_MetSurakshaPlus.aspx

http://www.pnbmetlife.co.in/MetLifeIndPlans_Protection_MetSurakshaTROP.aspx

http://www.pnbmetlife.co.in/MetLifeIndPlans_Protection_MetSuraksha.aspx



http://www.pnbmetlife.co.in/MetLifeIndPlans_Protection_MetSurakshaPlus.aspx



Features


PNB MetLife offers ‘Met Suraksha Plus’- Term Assurance (TA) a non participating term assurance plan which provides you life cover. It is designed for people who want to take care of their financial commitments, should anything unfortunate happen, at a nominal cost. To put it simply, it is a life insurance plan thatgives you the complete protection so that you can enjoy life to the fullest.

You can further customize your plan with two riders – AccidentalDeath Benefit and Critical Illness. Minimum Entry Age 18 years

Maximum Entry Age 60 years


Minimum Sum Assured Rs. 10 lakhs (for Others) Rs. 25 lakhs (for Non-Smokers)

Maximum Sum Assured No limit subject to Underwriting

Minimum Annualized Premium Rs. 3,600

Policy Term 10-35 years

Premium Paying Terms Regular Pay

Mode Annual, Semi-Annual, Quarterly, Monthly, PSP

RidersAccidental Death Benefit Rider (UIN# 117C014V01) Critical Illness Rider (UIN# 117C013V01)

Death BenefitIn the unfortunate event of death of the Person Insured the Sum Assured are payable.

javascript:showDetail1('MetLifeMetsuraksha_plus_Critical_Illness.aspx')


Maturity BenefitThere are no maturity benefits available under this plan. 1. Low cost pure risk insurance plan.

2. You get rewarded with lower premiums for being a Non-Smoker.

3. Benefit of high life cover at nominal prices with lower premium rates for high Sum Assured.

4. Option of different premium paying modes to suit various income cycles.

5. * Tax Benefits as applicable.

Met 7.2 Suraksha

UIN: 117N020V01


PNB MetLife offers Met Suraksha - Term Assurance (TA), a non participating term assurance plan which provides you life cover at a nominal cost. To put it simply, it is a life insurance planthat gives you complete protection to enjoy life to the fullest.You can further customize your plan with two riders – AccidentalDeath Benefit and Critical Illness. Minimum Entry Age 18 years





Policy Term 5, 10, 15, 20, 25 years and Term to age 60

Premium Paying Terms Single Pay, Limited Pay (3 years), Regular Pay

RidersAccidental Death Benefit Rider - (UIN:117B001V02)






Critical Illness Rider - (UIN:117B007V01)

Death BenefitIn the event of death of the Person Insured, the Sum Assured is payable.

Maturity BenefitThere are no Maturity benefits available under this plan.1. Low cost, low risk insurance plan.



Met7.3 Suraksha TROP

UIN: 117N021V01


PNB MetLife offers Met Suraksha - Term with Return of Premium (TROP), a non participating term assurance plan which provides you life cover at a nominal cost. To put it simply, it is a lifeinsurance plan that gives you complete protection to enjoy life to the fullest. You can further customize your plan with two riders – Accidental Death Benefit and Critical Illness.

What’s more, it also gives you the option of getting back all the premiums paid at maturity. Minimum Entry Age 18 years



Minimum Sum Assured Rs. 2,00,000


Policy Term 15 & 20 years





javascript:showDetail1('MetLifeRider_Critical_Illness.aspx

Premium Paying Terms Single Pay, Limited Pay (3 years), Regular Pay

RidersAccidental Death Benefit Rider - (UIN:117B001V02) Critical Illness Rider - (UIN:117B007V01)

Death BenefitIn the event of death of the Person Insured, the Sum Assured is payable.

Maturity BenefitOn maturity of the policy, you receive the total of all premiumsplus the Guaranteed Additions. The Guaranteed Additions are equal to 10% of premiums (including policy fee) paid (and excluding extra premiums and rider premiums if any).1. Low cost, low risk insurance plan.

2. Choice of a level term plan with or without return of premium.

3. Guaranteed returns of 10% of premium (including policy fee) paid (excluding extra premiums and rider premiums, if any) alongwith return of premium option of Met Suraksha.



Met 7.4 met Mortgage Protector Plus

UIN: 117N047V01


PNB MetLife presents 'Met Mortgage Protector Plus' – a plan which provides you life cover for home loans taken for any period above 5 years. It is a decreasing term insurance with single and limited premium options. The plan covers you for an amount equal to the outstanding amount as per the policy schedule.







It ensures the asset that you have created stays with your family.

Minimum Entry Age 18 yearsMaximum Entry Age 60 yearsMaximum Maturity Age 65 yearsMinimum Sum Assured Rs. 50,000Maximum Sum Assured Equal to the outstanding loan amountPolicy Term Equal to the outstanding payment

term of the loanPremium Payment Options Single Pay, Limited Pay (2/3rd of

outstanding loan term)RidersNot available

Death BenefitIn the unfortunate event of death of the Life Insured, the outstanding loan amount is payable to the beneficiary.

Maturity BenefitNot applicable.1. It protects the family against the burden of a loan.

2. It is an affordable insurance plan that covers the risk of life.

3. It provides protection for all kind of loans taken for a period above 5 years.

4. Liimited and Single premium paying terms.


Met 7. 5 met ProtectUIN No. 117N065V01


Life is unpredictable, Death is certain. But occurrence of this





unfortunate eventuality cannot be predicted. We want to give thebest to our family in every sphere of life. However, we need to ensure that our best laid plans for our family are well secured,whether we are around or not.

To protect your loved ones from the uncertainties of life shouldanything unfortunate happens to you, PNB MetLife offers 'Met Protect', a pure protection plan, to guarantee financial security for your family.

Furthermore, you can buy this plan online at your convenience!! Minimum Age at Entry 18 yearsMaximum Age at Entry 60 yearsMaximum Policy Expiry Age 70 yearsMinimum Sum Assured Minimum Sum Assured is Rs. 25

LakhsMaximum Sum Assured No limit subject to UnderwritingPolicy Term Regular Pay: 10-35 years; Single

Pay: 10-15 yearsPremium Payment Term Regular/SinglePremium Payment Frequency Annual/Semi-Annual/Single

Death BenefitIn the event of your unfortunate demise during the term of the Policy, your beneficiary will receive the Sum Assured provided the Policy is in force at the time of death.

Maturity BenefitThis plan does not have any maturity benefit.

Paid-Up & Surrender ValueThis plan does not have any paid-up or surrender value.

1. This affordable, pure risk insurance plan can be bought online. Please click the link below to buy "Met Protect" online.

2. Get rewarded with lower premiums for being a Non-Smoker#.

3. Differential premiums for males and females.

4. * Tax Benefits as applicable.

# People who have not smoked or consumed tobacco or nicotine products in any form in the last 5 years (Tobacco product includes but not limited to Cigarettes, Bidis, Cigars, Chewable Tobacco like Ghutka, flavoured

Pan Masala etc.) and who have tested negative for the Cotinine Test. The special premium rates will be offered subject to satisfactory results of "Cotinine Test" besides other underwriting requirements as may be required by the company from time to time.

Met

He 8. 8. 1 Met health Cash

A Health Insurance Plan – Non ParUIN: 117N071V01


A Smart Health plan for you and your family

The only thing certain about life is its uncertainty!! More so in today’s day & age. This uncertainty, coupled with constant anxiety and pressure could affect your health. As such, you can never be sure when a health condition may come calling on you.

To ensure you are well protected to face any health condition that could befall you, PNB MetLife presents - Met Health Cash, asimple health insurance policy with unique and smart advantages for you and your family#.

# Family means spouse and up to 4 children. Every additional family member shall be underwritten as per the underwriting conditions laid by the Company from time to time.

What is Met Health Cash?

Met Health Cash is a health insurance plan from PNB MetLife. Theplan covers you against hospitalization expenses by providing you a Fixed Daily Hospitalization Cash Benefit (Fixed DHCB) as chosen by you.

You can choose your desired plan by choosing either 10 or 15 or 20 days of Fixed DHCB in a year and you can also choose a Fixed DHCB amount of Rs.1,000 to Rs.6,000 (in multiples of Rs.1,000)

What’s more!! Met Health Cash assures you coverage till the age of 75*. It not only provides coverage to you and your family#, additionally, every additional member after the primary insured

http://www.pnbmetlife.co.in/MetLifeIndPlans_Health_MetHealthCash.aspx




gets a 10% discount on their respective premium.

Furthermore, all the above benefits can be availed without the hassle of undergoing any medical examination. Just fill up the simple application form and start enjoying the unmatched benefits offered by this smart health plan from PNB MetLife.

* Conditions apply.

# Family means spouse and up to 4 children. Every additional family member shall be underwritten as per the underwriting conditions laid by the Company from time to time.

Min/Max age of entry 18 Years – 65 Years for PrimaryInsured and Spouse(At first entry) 3 months – 18 years for Children

Max term of the plan 3 policy yearsCover ceasing age 75 years for Primary Insured

and Spouse 24 years for children

Maturity/Death / Surrender Benefit

No Maturity/Death/Surrender Benefit payable

Benefits Offered Fixed Daily Cash Benefit Premium paying frequency Yearly, Annual Limit 10 / 15 / 20 days as chosen by

Primary Insured Discount on Additional family members’ premium

10%

• Fixed Daily Hospitalisation Cash Benefit (Fixed DHCB) for you & your family in a single policy for each day of hospitalization.• Guaranteed coverage* up to the age of 75• Premiums guaranteed* for Policy Term of 3 years• 10% discount on the incremental premium for other family members• Benefit paid to you in addition to your other Medical Insurance Plans which you may have with other insurance companiesDeath/ Maturity Benefits

There is no Death/ Maturity benefit under Met Health Cash.Tax Benefits

The premium paid (excluding the service tax) under this plan is eligible for Tax Benefits under Section 80 D of the Income Tax

http://www.pnbmetlife.co.in/MetLifeIndPlans_Rural_MetGrameenAshray.aspx

http://www.pnbmetlife.co.in/MetLifeIndPlans_Rural_MetSuvidha.aspx



http://www.pnbmetlife.co.in/MetLifeIndPlans_Rural_MetVishwas.aspx

http://www.pnbmetlife.co.in/MetLifeIndPlans_Rural_MetVishwas.aspx


http://www.pnbmetlife.co.in/MetLifeIndPlans_Rural_MetGrameenAshray.aspx

9.3 Met Suvidha (Rural)

Features


Met Suvidha (Rural) is a participating flexible Endowment Plan that combines savings and security. In addition to providing youprotection up to maturity, it helps you save for your specific long term financial objectives. This long term savings-cum-protection plan comes to you at affordable premiums. Minimum Entry Age 15 years - 60 years


Maximum Sum Assured Rs. 74,000

Term 15 years - 30 years

Premium Paying Terms Single Pay, Limited Pay (5 or 10)

& Regular Pay

Minimum Annual Premium Amount Rs. 173

RidersAccidental Death Benefit Rider (117A011V01)Critical Illness Rider (117A012V01)Waiver of Premium RiderTerm Rider

Death BenefitMet Suvidha - ParIn the event of death during the term of the policy, the beneficiary will receive the base Sum Assured, the accrued reversionary bonus and terminal bonus if any.

Maturity BenefitMet Suvidha - ParOn maturity of the policy, you will receive the base Sum Assured, the accrued reversionary bonus and terminal bonus if any.

Bonuses Bonuses are available only on participating policies. The bonuses are not guaranteed as they are based on the Company’s actual investment returns, persistency and expense experience. No bonus is payable for the first 2 years of the policy.

Reason to buy1. It is an Endowment plan that offers both savings and life insurance.

2. Flexible premium paying options to suit various income cycles.

3. A plan which participates in the bonuses declared by the company.

4. Customization possible with Accident Death Benefit, Critical Illness, Term, Waiver of Premium Riders for comprehensive protection.



