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  • PNB Metlife ULIP Plans

    PNB Metlife Life Insurance

    Present since 2001, PNB Metlife has been one of the premier insurers in India, formed through a joint effort of Punjab National Bank and a leading global player in insurance and financial markets, Metlife International Holdings LLC. PNB’s reach across the nation and the trust associated with it along with the insurance acumen of Metlife International have made PNB Metlife capable of offering some of the best Unit Linked Life Insurance plans available in the market. Going by their moniker, these plans provide life insurance cover, and as an additional benefit, being linked to market returns, allow a healthy growth of investment.

    ULIP plans can be considered a wise investment decision as they offer the dual advantage of market linked returns and life insurance coverage.

    PNB Metlife offers the following Unit Linked Life Insurance plans:

    • PNB Metlife Smart Platinum
    • PNB Metlife Easy Super
    • PNB Metlife Smart Child
    • PNB Metlife Smart One
    • PNB Metlife Dhan Samriddhi

    1. PNB Metlife Smart Platinum

    A unique Unit-linked Life Insurance plan that offers high cover on whole life and ensures stability and growth of investment through auto rebalancing option.The important features and benefits of the plan include:

    • The entry age for this plan can be as low as 7 years and the cut off age is 98 years
    • The maturity age for this plan is 99 years as of the last birthday (whole life cover)
    • The policy term for this plan covers the life of the individual (till a maximum age of 99 years)
    • This plan can have a limited premium payment of 5 years or 10 years or a regular premium paying policy that lasts till policy term (till 99 years or demise, whichever is earlier)
    • Premium payment frequency can be either yearly, half yearly, quarterly or monthly
    • There are six different funds which can be invested in, and the ratio of premium division can be changed as per the risk appetite of the customer
    • Partial withdrawal is permitted after 5 years of continuation
    • The plan offers tax benefits, maturity benefits, death benefits and surrender benefits

    2. PNB Metlife Easy Super:

    A unit linked life insurance plan offered by PNB Metlife aimed at providing for enhanced return amounts through low amounts of investment. This plan’s main benefits and features are listed below:

    • The entry age for this plan can be as low as 18 years or as high as 60 years (55 years for 20-year term policy)
    • The maturity age for this plan can be a minimum of 33 years, while the maximum age of the policyholder can be 75 years as on the last birthday
    • The policy term for this plan can be either 15 years or 20 years
    • This plan is a regular premium paying policy and the premium payment term is equal to the policy term
    • Premium payment frequency is yearly
    • The Sum Assured is 10 times the chosen annualised premium
    • There are six different funds which can be invested in, and the ratio of premium division can be changed as per the risk appetite of the customer
    • Partial withdrawal is permitted after 5 years of continuation
    • The plan offers tax benefits, maturity benefits, death benefits and surrender benefits

    3. PNB Metlife Smart Child:

    A unit linked life insurance plan offered by PNB Metlife aimed at wealth generation for the secure future of one’s offspring or ward. The plan features substantially low amounts of investment and its main benefits and features are listed below:

    • The entry age for this plan can be as low as 18 years or as high as 55 years (for the life insured) and as low as 90 days or as high as 17 years (for the beneficiary)
    • During maturity, the age of the policyholder can be a minimum of 28 years, while the maximum age of the policyholder can be 75 years as on the last birthday
    • The policy term for this plan can be either 10 years, 15 years or 20 years
    • This plan is a regular premium paying policy and the premium payment terms are equal to the policy terms
    • Premium payment frequency can be annual, semi-annual, quarterly or monthly
    • There are six different funds which can be invested in, and the ratio of premium division can be changed as per the risk appetite of the customer
    • Partial withdrawal is permitted after 5 years of continuation
    • Premiums waived off in case of the demise of the parent
    • The plan offers tax benefits, maturity benefits, death benefits and surrender benefits

    4. PNB Metlife Smart One:

    A unit linked life insurance plan offered by PNB Metlife aimed at rapid wealth creation through a single investment, this plan’s main benefits and features are listed below:

    • The entry age for this plan can be as low as 0 years (3 months) or as high as 65 years
    • The maturity age for this plan can be a minimum of 18 years, while the maximum age of the policyholder can be 75 years as on the last birthday
    • The policy term for this plan can be as low as 10 years or as high as 20 years
    • This plan is a single premium paying policy and the premium can be a minimum of INR 18000 to a maximum of INR 500000
    • Premium payment frequency is one-time in a lump sum
    • There are six different funds which can be invested in, and the ratio of premium division can be changed as per the risk appetite of the customer
    • Partial withdrawal is permitted after 5 years of continuation
    • Tax benefits might be applicable
    • The plan offers maturity benefits and death benefits

    5. PNB Metlife Dhan Samriddhi:

    A unit linked life insurance plan offered by PNB Metlife aimed at wealth creation through a single investment, this plan’s main benefits and features are listed below:

    • The entry age for this plan can be as low as 8 years or as high as 65 years
    • The maturity age for this plan can be a minimum of 18 years, while the maximum age of the policyholder can be 75 years as on the last birthday
    • The policy term for this plan is fixed at 10 years
    • This plan is a single premium paying policy and the premium can be a minimum of INR 200000 and there is no maximum limit
    • Premium payment frequency is one-time in a lump sum
    • There are six different funds which can be invested in, and the ratio of premium division can be changed as per the risk appetite of the customer
    • Partial withdrawal is permitted after 5 years of continuation
    • The plan offers maturity benefits, death benefits and loyalty additions along with tax benefits
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