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This plan is created to enable you to systematically save and protect you against unforeseen and unfortunate life events, while also offering you guaranteed returns.
PNB MetLife Guaranteed Future Plan
This plan is created to enable you to systematically save and protect you against unforeseen and unfortunate life events, while also offering you guaranteed returns. PNB MetLife Guaranteed Future Plan ensures that you are able to meet the financial goals in your life with a higher degree of certainty while also giving you complete control and flexibility to customize your plan as per your unique requirements.
PNB MetLife Guaranteed Future Plan in a nutshell
1. Guaranteed1 Benefits
2. Flexibility to choose benefits
3. Guaranteed Additions2 & Boosters3 to boost your corpus
4. Higher Premium Rewards
Tax benefits and optional features
Market competitive
1. Long-term post-tax guaranteed returns
Benefit options
1. Lumpsum
2. Income
3. Lumpsum+Income
Enjoy 0% TDS**
1. No TDS** applicable
Best-in-class customization
1. Choose any date to commence the income pay-out to coincide with any special date pke birth date or anniversary date
2. Deferment of 1 or 2 years
What you get
Premium Payment Flexibility
Choose from various flexible premium payment options from 5, 7 up to 15 years or Single Pay.
Payout Flexibility
You can choose to receive your benefits either as a Lumpsum or a Guaranteed Income.
Guaranteed Income
Get guaranteed income ranging from 103% to 245% of annualised premium.
Safeguard Against Uncertainties
Get a life cover for the entire policy term and the option to enhance your protection through Accidental Death and Serious Illness riders.
Tax Benefits
Enjoy tax benefits on premiums paid and benefits received as per prevailing tax laws.
Loan Against Policy
You may take a loan against your policy once it acquires a Surrender Value up to 90% of the Surrender Value of your policy.
Benefits with PNB MetLife Guaranteed Future Plan
Limited Premium Paying Plan
Single Premium Paying Plan
Death Benefit
PNB MetLife Accidental Death Benefit Rider Plus
Get freedom from financial worries in unforeseen accidents
PNB MetLife Serious Illness Rider
Enhance your Life Insurance Cover and Be Double Sure!
No TDS** deduction on Premium Paying Policy (In-Force#) benefit payout
Payable as -
1. Income Benefits
2. Maturity Benefits
3. Booster Benefits
(In addition to guaranteed income, booster pay-outs are done at specific intervals.)
No TDS** deduction on benefit payouts.
Available on payout less than INR 1 Lakh.
No TDS** deduction on death benefit
Payable for-
1. Premium Paying Policy (In-Force/ Paid-up#)
This rider provides additional protection in the event of the death of the Life Assured in an accident, over and above the death benefit provided under PNB MetLife Guaranteed Future Plan.
In the event of the death of the life insured due to an accident occurring within the policy term, 100% of Rider Sum Assured shall be payable. The Policyholder can opt for this rider either at inception along with PNB MetLife Guaranteed Future Plan or at any policy anniversary during its tenure.
This rider provides additional protection in the event of the Life Assured being diagnosed with any of the critical illnesses listed in the rider. This additional protection is provided over and above the death benefit under the PNB MetLife Guaranteed Future Plan.
The rider provides 100% of the Rider Sum Assured on survival of 30 days following the confirmed diagnosis of the Person Insured suffering from one of the below Insured Critical Illnesses:
1. Myocardial Infarction (First Heart Attack - Of Limbs. Specified Severity)
2. Stroke Resulting in Permanent Symptoms
3. Cancer of Specified Severity
4. Open Chest CABG
5. Kidney Failure Requiring Regular Dialysis
6. Major Organ / Bone Marrow Transplant
7. Aorta Surgery
8. Total Blindness
9. Open Heart Replacement or Repair of Heart Valves
10. Permanent Paralysis of Limbs.
The Policyholder can opt for this rider either at inception along with PNB MetLife Guaranteed Future Plan or at any policy anniversary during its tenure.
With PNB MetLife Guaranteed Future Plan:
1. Choose from 4 Plan Options -
Option 1: Endowment Option.
Option 2: Income Option
Option 3: Income + Lumpsum Option
Option 4: Income + Boosters
2. Guaranteed Income factor ranging from 103% to 245% of Annualised premium4
3. Booster additions ranging from 30% to 406% of Annualised premium in addition to your regular income payout5 with Income + Boosters option.
What you don't get
Suicide Exclusions
If the Life Assured's death is due to suicide within twelve months from the date of commencement of risk or from the Date of Revival of the Policy as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to 80% of the total Premium paid till the date of death under the Policy death or Surrender Value available as on the date of death, whichever is higher, provided the Policy is in In force status. We shall not be liable to pay any interest on this amount.
