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    PNB MetLife Smart Platinum

    When you secure their future, make it brighter too

    Individual, Unit Linked, Life Insurance Plan | UIN: 117L066V03

    In this policy, the investment risk in investment portfolio is borne by the policyholder.

    PNB MetLife Smart Platinum is a unit-linked insurance plan that gives you the flexibility to build your investment portfolio through 6 different funds. Our ULIP plan covers you till 99 years of age with an option to choose a premium term of 5 years, 10 years or whole life.

    PNB MetLife Smart Platinum in a nutshell
    • Flexible premium payment options
    • Auto rebalance investment portfolio
    • Partial withdrawal of policy after 5th year
    • Option to change Sum Assured

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    What you get

    Product benefits of PNB MetLife Smart Platinum
    Life Cover

    Life Cover

    Protect your loved ones in your absence

    Maturity Benefit

    Maturity Benefit

    Get your fund value on maturity

    In the event of death, the beneficiary will receive the following benefits, whichever is higher:

    • The Fund Value; or
    • The Basic Sum Assured less all Partial Withdrawals made during 2-year period immediately preceding the date of death of the Insured or
    • 105% of the total Regular or Limited Premiums paid excluding partial withdrawals made during two-year period immediately preceding the date of death of the Insured.

    In the event of the insured person surviving the policy term, the following benefits can be availed:

    • The maturity benefit is paid out when the insured reaches 99 years old.
    • Amount paid is equals to the Total Fund Value in the account on maturity of the policy.
    PNB MetLife Smart Platinum ensures:
    • Choice of 6 unit-link funds for investment
    • Plan your goals with a lump sum at maturity
    • Provide insurance coverage up to 99 years old with a 5-year premium.
    • Help manage investment risk with auto rebalancing option
    • Provide liquidity with partial withdrawal of policy after 5th year

    What you don't get

    Things You Need to know

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    What is the Death Benefit covered under PNB MetLife Smart Platinum?

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    In the event of death, the beneficiary will receive the following benefits, whichever is higher:

    • The Fund Value; or
    • The Basic Sum Assured less all Partial Withdrawals made during 2-year period immediately preceding the date of death of the Insured or
    • 105% of the total Regular or Limited Premiums paid excluding partial withdrawals made during a two-year period immediately preceding the date of death of the Insured.

    What is the Maturity Benefit covered under PNB MetLife Smart Platinum?

    Collapsed Expanded

    The maturity benefit is paid out when the insured reaches 99 years old. Amount paid is equals to the Total Fund Value in the account on the maturity of the policy.

    What are the eligibility criteria for PNB MetLife Smart Platinum?

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    Particulars

    Boundary Conditions

    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 mode
    Rs 60,000 for other modes

    Minimum and Maximum multiple for Base Sum Assured

    Minimum and Maximum Sum Assured multiple table

    Premium Payment Modes

    Annual, Semi-Annual, Monthly, Quarterly

    How can I purchase PNB MetLife Smart Platinum?

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    You can purchase this plan offline through any of the below channels: Offline

    Disclaimer:

    The linked insurance products do not offer any liquidity during first five years of the contract. The policyholder will not be able to surrender/ withdraw the monies invested in linked insurance products completely or partially till the end of fifth Year.

    Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. PNB MetLife India Insurance Company Limited is only the name of the  Life Insurance  Company and PNB MetLife Smart Platinum is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

    AD-F/2020-21/00325

    Disclaimer

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    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at claimshelpdesk@pnbmetlife.com or indiaservice@pnbmetlife.co.in. You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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