Retirement

Retirement means new beginnings, new joys and the possibility to realize the unfulfilled dreams of your youth. However, its also a time of anxiety, a time when financial independence is of upmost importance. PNB MetLifes 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 Plan

UIN 117N050V01

Features

Plan Overview Plan at a Glance Product Benefits Reasons 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 familys dreams. For these pay cheques to continue during your n on 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 Min. Age at entry* Max. Age at entry* Max. age at maturity* Policy Term Min. Monthly Income Sum Assured

5/7 Years 18 years 55 Years 85 Years 20/25/30 Years Rs. 4,000 120 times the Monthly Income for Policy Term of 20 years 180 times the Monthly Income for Policy Term of 25 yrs 240 times the Monthly Income for Policy term of 30 years 10/15/20 Years

Benefit Period * Age as on last birthday

Survival Benefits
On completion of 10 Policy Year till the policy maturity, subject to the Policy being inforce, 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 the 10th Policy Year (i.e. completion of one month immediately after the 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 the date 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 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. 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 months following 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 income payment (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 nominee will receive the Terminal Bonus declared, (if any), along with the final installment of Monthly Income. The policy will also be eligible 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 Income payment in case the Benefit Payout Period chosen is 10/15/20 years respectively. Note: The Terminal Bonus (if any) will be payable along with the final installment of monthly regular income. In case of death of the beneficiary / nominee during these guaranteed 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. 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 - 7

UIN 117N076V01

Features

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

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 familys 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 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. *Conditions Apply Premium Payment Term Min. Age at entry* Max. Age at entry* Max. age at maturity* Policy Term Min. Monthly Income *Age as on last birthday 7 Years 18 years 55 Years 85 Years 20/25/30 Years Rs. 5,000

Survival Benefits
On completion of 10 Policy Year till the policy maturity, subject to the Policy being inforce, 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 the 10th Policy Year (i.e. completion of one month immediately after the 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.

Simple Reversionary Bonus

The policy will be eligible for Simple Reversionary Bonuses on completion of three policy years . The Simple Reversionary Bonus will 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 months following the completion of each financial year, on or before 30th September every year. No Cash Bonus will be paid for lapsed policies. Both in-force and death claim policies are eligible for Cash Bonus. The Simple Reversionary Bonus and the Cash Bonus will 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
In the unfortunate event of death of the Person Insured while the policy is in force, the nominee/beneficiary will receive:-

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: 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 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.

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 till maturity. 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 Income payment in case the Benefit Payout Period chosen is 10/15/20 years respectively.

Note: In case of death of the beneficiary / nominee during these guaranteed 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

Features Plan 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 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) Maximum Maturity Age Minimum Monthly Income Sum Assured (fixed) Premium Payment Term Policy Term Riders Accidental Death Benefit Rider

Min 18 years Max 60 years 85 years Rs. 1,000 p.m. 180 times the Monthly Income 5 years/10 years 20 years/25 years

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 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 will be made to the legal heir.

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. The monthly regular income commences from the monthly anniversary date that immediately succeeds the completion of the Premium Payment Term.

Maturity Benefit
On 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 Bonus

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

The chosen monthly income cannot be altered during the policy term Premium Calculator

2. Monthly Income Plan

Met Monthly Income Plan
UIN 117N050V01

Features

Plan 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 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) Maximum Maturity Age Minimum Monthly Income Sum Assured (fixed) Premium Payment Term Policy Term Riders Accidental Death Benefit Rider

Min 18 years Max 60 years 85 years Rs. 1,000 p.m. 180 times the Monthly Income 5 years/10 years 20 years/25 years

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 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 will be made to the legal heir.

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. The monthly regular income commences from the monthly anniversary date that immediately succeeds the completion of the Premium Payment Term.

Maturity Benefit
On 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 Bonus 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 Bonus
The 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 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.

Met Monthly Income Plan - 7 Pay

UIN No: 117N064V01

Features

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

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 more than one income. Entry Age Maximum Maturity Age Minimum Monthly Income Sum Assured (fixed) Premium Payment Term Policy Term 18 yrs - 55 yrs 70 years Rs. 1,000 p.m. 96 times the Monthly Income 7 years 15 years Age Last Birthday

The Maximum Monthly Income available in this product is based on your age at the time of buying the policy and is as follows: Age 18-35 36-45 46-55 Maximum Monthly Income Rs. 30,000 Rs. 20,000 Rs. 10,000

Met Monthly Income Plan - 15 Pay

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

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. Whats 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 Min. Age at entry* Max. Age at entry* Max. age at maturity* Policy Term Min. Monthly Income Sum Assured 15 Years 18 Years 55 Years 85 Years 30 Years Rs. 1,000 180 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 the chosen monthly

income 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 (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/beneficiary continues for the remaining term till maturity is payable. No reversionary bonus is declared for policies in case death claims have been paid (i.e. maximum of 180 monthly income payments from the 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 Benefit On 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. Simple Reversionary Bonus The policy will participate for Simple Reversionary Bonuses on completion of three years and 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 onwards based on the Companys 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 from the date of lapse or death as applicable. Terminal Bonus The 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 to get 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 the 6th year onwards.

Features

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

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 moments that add up to make our lifes 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 unforeseen eventuality. Min. Age at entry* Max. Age at entry* Max. age at maturity* Policy Term Premium Payment Term 13 Years 55 Years 65 Years 10 Years only Regular

Min./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
At the end of 5th year 6th year 7th year 8th year 9th year 10th year Benefits 10% of Sum Assured 10% of Sum Assured 10% of Sum Assured 10% of Sum Assured 10% of Sum Assured 60% of Sum Assured

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 buy 1. 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 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 MetLifes 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

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

"IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS 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) Maximum Age at Entry(LBD) Premium Payment Term (years) 7 years 70 years 5 pay/ 10pay/ entire term of the policy

Minimum Annualized Premium (in Rs 30,000 for Annual mode Rupees) Rs 60,000 for other modes Minimum and Maximum multiple for Base Sum Assured Premium Payment Modes Minimum and Maximum Sum Assured multiple table 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 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 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 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 Benefit
The 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 4.

protection with riders.

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 Overview Plan at a Glance Product Benefits Reasons to Buy

"IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER" While you plan to secure the happiness and future of your loved ones, give wings to your dreams of wealth creation. Security for your 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
Minimum Age at entry* Maximum Age at entry*

Eligibility Criteria
18 years 60 years for 15 policy term & 55 years for 20 year policy term

Premium 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 Sum Assured Premium Payment modes 15 years and 20 years 10 times the chosen Annualised Premium Annual

Death Benefit
In 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 Option On 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 5. *Tax Benefits as applicable.

#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 Glance Product Benefits Reasons to Buy

Being prosperous, you have cherished the best in life. So your financial planning has to be truly best in class and provide you with 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 Ages at entry (LBD)* Eligibility Criteria 8 - 65 Years 10 Years Rs. 2 Lakhs

Policy Term
Minimum Single Premium

Maximum Single Premium Sum Assured Multiple Premium Payment Mode *Age: Last Birthday*

No Limit, Subject to underwriting conditions Option to choose 10 or 1.25 times the single premium (Only 1.25 times for above 40 years of age) Single

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 payable if 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 paid 2. PNB MetLife has delivered consistent returns # on the funds. 3. Access to your money any time after 5 Policy years 4. Tax benefits as applicable

4.4 Met Smart One

UIN: 117L068V01

Features

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

"IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER"

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 facilitates accelerated wealth creation with Loyalty additions. With this plan you may also choose NAV Guarantee Fund which offers you attractive guaranteed Net Asset Value (NAV

Boundary Conditions

Eligibility Criteria

Minimum Age at Entry(LBD) 0 years (3 months) Maximum Age at Entry(LBD) 65 years Minimum/Maximum Age at Maturity Policy Term Minimum Premium Maximum Premium Sum Assured Multiple 18/75 years

10-20 years 18,000 500,000 5 times of SP in the First Policy Year & 1.25 times of SP for the remaining term of the Policy Single

Premium Payment Modes

Death Benefit
In 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 24 months 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 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 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-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

Maturity Benefit
Maturity Benefit & Settlement Option On 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. 6. *Tax Benefits as applicable.

@Terms and Conditions apply.

5. child plan

We all dream about fulfilling our childs every need. With expenses rising by the day, however, were also worried about how to ensure it. PNB MetLifes child insurance plans help future-proof your childs tomorrow. They assure you that there will be no surprise roadblocks down the road. So that you can make your childs dreams a reality.

Free the childs potential, and you will transform him into the world.
Maria Montessori (Italian physician and educator, 1870-1952)

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 the option 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. Coverage Term Option A Option B

Minimum Entry Age of the Child Maximum Entry Age of the Child Minimum Entry Age of the parent

0 years 8 years 20 years

0 years 12 years 20 years

Maximum Entry Age of the Parent 50 years Policy Term Minimum Sum Assured Maximum Sum Assured

50 years

21 years - Age at Entry 25 years - Age at Entry Rs 1,00,000 No Limit Rs 1,00,000 No Limit

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

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

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

Age of the Child 15 years 17 years 20 years 21 years Percentage of Payout 20% of Sum Assured 30% of Sum Assured 50% of Sum Assured Guaranteed Additions Assumed Milestone Class X Class XII College Higher Education

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

Age of the Child 17 years 21 years Percentage of Payout 20% of Sum Assured 30% of Sum Assured Assumed Milestone Class XII College

23 years 25 years

50% of Sum Assured Guaranteed Additions

Higher Education Wedding

1. Guaranteed payouts at critical milestones of the childs life. 2. Guarantee of policy continuance in case of the untimely demise of parent. 3. Guaranteed payouts of 250%* of the chosen Sum Assured. 4. *Tax Benefits as applicable. * When the term of the plan is 25 years.

5.2 Met Smart Child

UIN: 117L072V01

Features

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

"IN THIS POLICY, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER" Today, your role in your childs life extends from being a provider to a nurturer, a mentor and a friend. You are a part of your childs dreams and rising aspirations - the one responsible to 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 childs every dream. Minimum/Maximum Age at entry (LBD)* for Life Insured Minimum /Maximum Age at entry (LBD)* for beneficiary Premium Payment term (years) Minimum Annualised Premium Maximum Annualised Premium 18/55 years 90 days/17 years Same as policy Term Rs. 18,000 p.a. Till age 35 : 2 lakh 36-45 age: 1.25 Lakhs Age 46+ : 1 lakh 10, 15 & 20 years 10 times the chosen Annualised Premium only Annual, Semi Annual, Quarterly, monthly and PSP (Payroll Savings Program)

Policy Term Sum Assured Premium Payment modes

*LBD :Age last Birthday

Death Benefit
In case of insureds/Policyholders sudden demise, to take care of the unexpected emergencies and future planning of your child, your Policy entails following benefits:

1.
2.

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. 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 as a part of Premium Waiver Benefit (PWB) on a monthly basis into Policyholders 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 volatility in your absence, the Fund Values lying in Flexi Cap, Virtue II & Multiplier II Funds, at the time of insureds 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 payments equivalent 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 Benefit
At 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 case of 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 equity markets 4. Liquidity with Partial Withdrawals and unlimited switches to manage your funds 5. *Tax Benefits as applicable.

5.3 Met Junior Endowment

Features

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

PNB MetLife offers 'Met Junior' - a flexible endowment plan that combines 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 nonparticipating versions(UIN:117N005V01). Coverage Term Par Minimum Entry Age of the Child Maximum Entry Age of the Child Coverage Terms Premium Payment Terms Minimum Sum Assured Maximum Sum Assured 0 years 14 years 15 - 30 years 15, 20, 25 or 30 years Rs 50,000 No Limit Non Par 0 years 14 years 15 - 30 years 15, 20, 25 or 30 years Rs 50,000 No Limit

Riders
Not Available.

Death Benefit Met Junior-Non Par

In 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 to the return of premiums plus interest on premiums.

Met Junior-Par
In the unfortunate event of death of the Person Insured, the nominee will receive the Sum Assured, the Reversionary Bonus and the Terminal Bonus, if any. If death occurs before age 7, then the death benefit is equal to the 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 Benefit Met Junior - Non Par

On attaining maturity, the Person Insured will receive the Sum Assured.

Met Junior - Par

On 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). 5. *Tax Benefits as applicable.

Met Junior- Money Back

UIN: 117N006V01

Features Plan Overview Plan at a Glance Product Benefits Reasons to Buy

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 Minimum Entry Age of the 0 years Child Maximum Entry Age of the Child Coverage Terms Premium Payment Terms Minimum Premium Minimum Sum Assured Maximum Sum Assured Riders Not Available. 14 years 20 years 20 years Rs. 5,000 Rs 50,000 No Limit (subject to underwriting) Non Par 0 years 14 years 20 years 20 years Rs. 5,000 Rs 50,000 No Limit (subject to underwriting)

Death Benefit
In 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 to the return of premiums plus interest on premiums.

Maturity Benefit
On maturity, the Life Insured will receive the Survival Benefits plus the Guaranteed Addition.

Survival Benefit
At the end of 5 years At the end of 10 years At the end of 15 years Upon survival to maturity 20% of Sum Assured 20% of Sum Assured 20% of Sum Assured 40% of Sum Assured plus total Guaranteed Additions

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 lifes 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

Met Saral

Met 100

6.1 Met Suvidha

Features

Plan Overview Plan at a Glance Product Benefits Reasons to Buy Plan Overview
Met 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-protection plan comes to you at affordable premiums. Met Suvidha is available in both participating (UIN:117N017V01) as well as nonparticipating versions (UIN:117N018V01).

Minimum Entry Age

Par: 15 years - 60 years Non-Par: 15 years - 70 years Par: - 15 years - 30 years Non-Par: 5 years - 30 years Single Pay, Limited Pay (5 or 10) & Regular Pay Rs. 2,500 Rs. 75,000 No Limit

Term

Premium Paying Terms

Minimum Annual Premium Amount Minimum Sum Assured Maximum Sum Assured

Riders Accidental Death Benefit Rider - (UIN:117B001V02) Critical Illness Rider - (UIN:117B007V01) Waiver of Premium Rider - (UIN:117B002V01)

Term Rider - (UIN:117B003V02)

Death Benefit Met Suvidha - Par

In 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 Par

In the event of death during the term of the policy, the beneficiary will receive the base Sum Assured.

Maturity Benefit Met Suvidha - Par

On maturity of the policy, you will receive the base Sum Assured, the accrued reversionary bonus and terminal bonus, if any.

Met Suvidha - Non Par

On maturity of the policy, you will receive the base Sum Assured.

Bonuses
Bonuses are available only on participating policies. The bonuses are not guaranteed as they are based on the Companys 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, Critical Illness, Term, Waiver of Premium riders for comprehensive protection. 5. *Tax Benefits as applicable.

Met6.2

met 100

Features Plan Overview Plan at a Glance Product Benefits Reasons to Buy

PNB MetLife presents Met 100 - a whole life policy where you pay premiums 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 - Met 100 Gold & UIN:117N012V01 - Met 100 Platinum) as well as non-participating versions (UIN:117N001V01).

Par Minimum Entry Age 15 yrs

Non-Par 0 yrs

Maximum Entry Age

70 yrs for ppt of 15 yrs 65 yrs for ppt of 20 yrs 60 yrs for ppt of 25 yrs

70 yrs for ppt of 15 yrs 65 yrs for ppt of 20 yrs 60 yrs for ppt of 25 yrs 15, 20, 25 yrs Rs. 50,000 No limit (subject to UW) Rs. 1,000 for issue age of < 15 yrs Rs. 2,500 for issue age of > = 15 yrs

Premium Paying Terms 15, 20, 25 yrs Minimum Sum Assured Rs. 50,000 Maximum Sum Assured No limit (subject to UW) Minimum Annual Premium Met 100 Gold: Rs. 2,500 Met 100 Platinum: Rs. 7,500

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

Death Benefit Met 100 - Par

In the event of death, the Sum Assured plus the Reversionary Bonus and Terminal Bonuses, if any, are payable.

Met 100 - Non-Par

In the event of death, the Sum Assured is payable.

Maturity Benefit Met 100 - Par

On maturity of the policy, the Sum Assured plus the Reversionary Bonus and Terminal Bonuses, if any, are payable.

Met 100 - Non-Par

On 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 a participating policy on death and maturity. 4. Loan facility available. 5. *Tax Benefits as applicable.

Met6.3

met Sukh

UIN: 117N003V02

Features Plan Overview Plan at a Glance Product Benefits Reasons to Buy

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 years Max - 55 years 20 years Regular Rs. 75,000 No Limit

Coverage Term Premium Payment Term Minimum Sum Assured Maximum Sum Assured

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

Death Benefit
In the unfortunate 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. 1,000 of the Sum Assured for each completed year.

Maturity Benefit
On maturity, the life insured will receive the Survival Benefits plus the Guaranteed Addition.

Survival Benefits
At the end of 5 years At the end of 10 years At the end of 15 years Upon survival to maturity 20% of the Sum Assured 20% of the Sum Assured 20% of the Sum Assured 40% of the Sum Assured plus Total Guaranteed Additions

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. 5. *Tax Benefits as applicable.

Met 6.4 met Saral

UIN: 117N022V01

Features Plan Overview Plan at a Glance Product Benefits Reasons to Buy

PNB MetLife presents Met Saral - a non- participating endowment plan. As the name suggests, its a simple savings plan which gets you into the savings habit with out 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 the case 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 Minimum Entry Age Maximum Maturity Age Term Premium Paying Terms Premium Paying Modes Riders No riders available Rs. 1,00,000 15 years - 50 years 60 years 5 years / 10 years Regular Pay Annual, Semi-Annual

Death Benefit
In the event of death, the Sum Assured equal to Rs 1,00,000 is payable.

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

Reason to buy
1. A simple plan with no medical tests. 2. Rs 1,00,000 guaranteed at maturity or in the event of death during the term. 3. *Tax Benefits as applicable.

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 of these payments to fall on our loved ones. PNB MetLifes 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 Plus

Non participating plan UIN 117N055V01

Features

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

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 that gives you the complete protection so that you can enjoy life to the fullest.

You can further customize your plan with two riders Accidental Death Benefit and Critical Illness. Minimum Entry Age Maximum Entry Age Maximum Maturity Age Minimum Sum Assured 18 years 60 years 70 years Rs. 10 lakhs (for Others) Rs. 25 lakhs (for Non-Smokers) No limit subject to Underwriting Rs. 3,600 10-35 years Regular Pay Annual, Semi-Annual, Quarterly, Monthly, PSP

Maximum Sum Assured Minimum Annualized Premium Policy Term Premium Paying Terms Mode

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

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

Maturity Benefit
There 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

Features Plan Overview Plan at a Glance Product Benefits Reasons to Buy

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 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. Minimum Entry Age Maximum Entry Age Maximum Maturity Age Minimum Sum Assured Maximum Sum Assured Policy Term Premium Paying Terms 18 years 60 years 65 years Rs. 50,000 No Limit 5, 10, 15, 20, 25 years and Term to age 60 Single Pay, Limited Pay (3 years), Regular Pay

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

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

Maturity Benefit
There are no Maturity benefits available under this plan. 1. Low cost, low risk insurance plan. 2. Option of different premium paying modes to suit various income cycles. 3. *Tax Benefits as applicable.

Met7.3

Suraksha TROP

UIN: 117N021V01

Features Plan Overview Plan at a Glance Product Benefits Reasons to Buy

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 life insurance 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. Whats more, it also gives you the option of getting back all the premiums paid at maturity. Minimum Entry Age 18 years

Maximum Entry Age Maximum Maturity Age Minimum Sum Assured Maximum Sum Assured Policy Term Premium Paying Terms

50 years 65 years Rs. 2,00,000 No Limit 15 & 20 years Single Pay, Limited Pay (3 years), Regular Pay

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

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

Maturity Benefit
On maturity of the policy, you receive the total of all premiums plus 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) along with return of premium option of Met Suraksha. 4. Option of different premium paying modes to suit various income cycles. 5. *Tax Benefits as applicable.

Met 7.4 met Mortgage Protector Plus UIN: 117N047V01

Features Plan Overview Plan at a Glance Product Benefits Reasons to Buy

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 Maximum Entry Age 18 years 60 years

Maximum Maturity Age Minimum Sum Assured Maximum Sum Assured Policy Term Premium Payment Options Riders Not available

65 years Rs. 50,000 Equal to the outstanding loan amount Equal to the outstanding payment term of the loan Single Pay, Limited Pay (2/3rd of outstanding loan term)

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

Maturity Benefit
Not 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. 5. *Tax Benefits as applicable.

Met 7. 5 met Protect UIN No. 117N065V01 Features Plan Overview Plan at a Glance Product Benefits Reasons to Buy
Life is unpredictable, Death is certain. But occurrence of this unfortunate eventuality cannot be predicted. We want to give the best 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 should anything 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 Maximum Age at Entry Maximum Policy Expiry Age Minimum Sum Assured Maximum Sum Assured Policy Term 18 years 60 years 70 years Minimum Sum Assured is Rs. 25 Lakhs No limit subject to Underwriting Regular Pay: 10-35 years; Single Pay: 1015 years

Premium Payment Term Premium Payment Frequency

Regular/Single Annual/Semi-Annual/Single

Death Benefit
In 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 Benefit
This plan does not have any maturity benefit.

Paid-Up & Surrender Value

This 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 Par UIN: 117N071V01 Features Plan Overview Plan at a Glance Product Benefits Reasons to Buy A Smart Health plan for you and your family
The only thing certain about life is its uncertainty!! More so in todays 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, a simple 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. The plan 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) Whats 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 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 Primary Insured and Spouse(At first entry) 3 months 18 years for Children 3 policy years 75 years for Primary Insured and Spouse 24 years for children No Maturity/Death/Surrender Benefit payable Fixed Daily Cash Benefit Yearly, 10 / 15 / 20 days as chosen by Primary Insured

Max term of the plan Cover ceasing age Maturity/Death / Surrender Benefit Benefits Offered Premium paying frequency Annual Limit

Discount on Additional family members 10% premium 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 companies

Death/ 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 Act, 1961 as per the provisions and conditions given therein and are subject to any changes made in the tax laws in future. Please consult your tax advisor for more details.

 Claim not dependent upon type of ailment* big or small. Coverage for entire family* No medical tests required to purchase. 5 Simple YES/NO questions. Get claim over and above any other insurance policy. Plan valid at any hospital across the country* Tax Benefits^

9. Rural

None of us can be sure what tomorrow will bring. Shield your families against the unknown. PNB MetLifes rural plans protect your loved ones against financial liabilities and help you save for tomorrow. All at affordable premiums.
Surakshabhi, bachatbhi.
Please click on the plans listed below for further details.

Met Vishwas

Met Suvidh a

(Rural)

Met GrameenAshray
Met Vishwas
Features

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

PNB MetLife offers 'Met Vishwas', - a single premium, micro insurance, nonparticipating term assurance plan which provides you life cover at a nominal cost. On survival, you get 110% or 125% of the premium. Minimum Entry Age Maximum Entry Age Maximum Maturity Age Minimum Sum Assured Maximum Sum Assured Policy Term Premium Paying Terms 18 years 60 years 70 years Rs. 5,000 Rs. 50,000 5 or 10 years Single Pay

Death Benefit
In the event of death of the Person Insured the Sum Assured is payable.

Maturity Benefit
On surviving the Coverage Term, you receive: 1. 110% of the single premium paid for a 5 year coverage term. 2. 125% of the single premium paid for a 10 year coverage term.

Guaranteed Surrender Value

In case of any emergency, should you need to surrender your policy early, you will get surrender benefits as per table below: Policy Year Percentage of Single Premium payable as Surrender Benefit (5 year coverage term) 60% 70% 80% 90% 100% Percentage of single premium payable as Surrender Benefit (10 year coverage term) 60% 65% 70% 75% 80% 85% 90% Not applicable 100% 110% 120%

1 2 3 4 5 6 7 8 9 10

The policy terminates upon the payment of surrender value.

Reason to buy
1. Affordable protection. 2. All your money back and more on surviving the coverage term. 3. Convenience of paying just once.

9.2 Met GrameenAshray

UIN: 117N063V01

Features

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

PNB MetLife offers Met GrameenAshray - a simple micro insurance, non- participating plan which provides

you life cover at a nominal cost.

Minimum Age at Entry Maximum Age at Entry Coverage term Maximum Cover Ceasing Age Minimum Premium Minimum Sum Assured Maximum Sum Assured Premium Paying Mode Age last birthday 18 years 55 years 5 years 60 years Rs. 314 for SP &Rs. 69 for RP Rs. 5,000 Rs. 50,000 Yearly or Single Premium

Death Benefit
In the event of death of the Person Insured the Sum Assured is payable.

Surrender Benefits
- There are no Surrender benefits for Regular Premium policies. - Single Premium Policies can be surrendered after completion of 2 years from the date of commencement. Upon receipt of a surrender request, a cash surrender value of 30%, 20% or 10% of the Single Premium will be payable if the surrender is made in Year 3 or Year 4 or Year 5 respectively. The policy terminates upon the payment of surrender value. 1. Affordable short term protection plan 2. Convenience of paying just once or over the term of the policy 3. Simplified process 4. * Tax benefits as applicable.

9.3
Features

Met Suvidha (Rural)

Plan Overview Plan at a Glance Product Benefits Reasons to Buy

Met Suvidha (Rural) is a participating flexible Endowment Plan that combines savings and security. In addition to providing you protection 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 Minimum Sum Assured Maximum Sum Assured Term Premium Paying Terms 15 years - 60 years Rs. 5,000 Rs. 74,000 15 years - 30 years Single Pay, Limited Pay (5 or 10) & Regular Pay Rs. 173

Minimum Annual Premium Amount

Riders Accidental Death Benefit Rider (117A011V01) Critical Illness Rider (117A012V01) Waiver of Premium Rider Term Rider

Death Benefit Met Suvidha - Par

In 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 Benefit Met Suvidha - Par

On 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 Companys actual investment returns, persistency and expense experience. No bonus is payable for the first 2 years of the policy.

Reason to buy
1. 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.