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Disclaimer

PNB MetLife India Insurance Company Limited, Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka. IRDAI Registration number 117. CI No: U66010KA2001PLC028883. Met Smart Premier is a Linked Nor-Par Life Insurance Plan (UIN 117L066V01). Please refer to the policy document for details terms and conditions of product. 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 Life 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 Co. Ltd. is only the name of the Insurance Company and Met Smart Plus is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.

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 (if any fund is being mentioned in the advertisement)

SFIN No of fund

IRDAI Registration Number 117. CI No: U66010KA2001PLC028883.

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding any sale. Terms and Conditions Apply.

SThe marks “PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks

Call us Toll-free at 1-800-425-6969. Phone: 080-66006969, Website: www.pnbmetlife.com, Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203 LD/2019-20/064 – EC 062

BEWARE OF SPURIOUS/FRAUD PHONE CALLS!

IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

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MET SMART PLUS

Notes to the benefit illustration:



01. This illustration has been produced by PNB MetLife India Insurance Co. Ltd. to help you understand the benefits of your Met Smart Plus. This must be read in conjunction with the product brochure, which describes all Features, Charges, Terms, Conditions & Exclusions.

02. All projections in this benefit is based on the assumptions of annualized premium.

03. The main objective of the illustration is that you are able to understand the features of the product and the nature of benefits under different circumstances with some level of quantification.

04. The values in the illustration below have been rounded off to the nearest rupee wherever applicable.

05. The "Total charges" column includes all the deductions pertaining to Premium Allocation Charges, Policy Administration Charges, Mortality Charges, Fund Management Charges (FMC), Rider Charges (if any), Goods and Services Tax. Please refer the product sales brochure for details on charges applicable.

06. This illustration explains the benefits and features of the proposed policy and is not a contract or a representation of any guarantee or warranty.

07. The gross annual investment return of 4% & 8% are for illustration purposes only. These are in accordance with the guidelines issued by the IRDAI and in no way signify our expectations of investment returns. For each of the unit linked funds, the actual investment return may be higher or lower than these rates and would be based on their actual performance.

08. 4% and 8% are the gross rates of annual investment returns. The fund values and other values have been calculated after adjusting for all the applicable charges.

09. The investments in the Unit Linked Funds are subject to investment risks associated with capital markets and the NAVs of the markets 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 decision.

10. A policy may be surrendered at any time in the first five years of the policy but the amount payable on surrender will be paid out only on completion of five policy years, subject to prevailing regulations..

11. For the purpose of partial withdrawal, any Top-Up Premium paid in the policy will have a lock-in-period of 3 years from the date of such Top-Up premium. However acceptance of such TOP-UP-PREMIUM would result in increase in Sum Assured abd would be subject to the underwriting rules in force from time to time.

12. In case of any partial withdrawals being made, the death benefit would be adjusted as per the relevant provisions in the policy terms and conditions. However, this adjustment of death benefit for partial withdrawals is not captured in this illustration.

13. Preserver Fund, Protector Fund, Moderetor Fund, Flexi Cap Fund, Virtue Fund & Multiplier Fund are the names of the segregated funds and do not in any way indicate the quality, its future prospects or returns.

14. Goods and services tax is levied as per applicable tax laws from time to time and the same is subject to changes in the tax laws in future and the policy proceeds would be affected to that extent.

15. Neither the Company nor any of its Advisor/ Financial Planning Consultants are authorised to offer any tax related advice. The tax benefits under various sections shall be available as per Income Tax Act, 1961, and are subject to any amendments made thereto from time to time.

16. PNB MetLife India Insurance Co. Ltd. is only the name of the Insurance Company and Met Smart Platinum is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.