PNB MetLife Century Plan Whole Life Income Plan
PNB MetLife Century Plan – Whole Life Income Plan(UIN:117N129V01)*Tax benefits under this plan maybe available as per the provisions and conditions of the Income Tax Act, 1961 and are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.1
Features - PNB MetLife Century Plan – Your Partner for LifeWAIVER OF PREMIUMWITH FAMILY CAREWHOLE LIFE COVER &INCOME WITH LIMITED PAYEnsure survival benefits continue to be paideven after death of the Life Assured and nofuture premiums are payable after death.Get tax free income and life cover for wholelife up to the age of 100 years from the firstmonth. Option of 80 years also available. Payfor limited time only.ACCUMULATE ORWITHDRAWEnjoy the flexibility to accumulate the survivalbenefit payouts @ pre-defined interest rateand withdraw as and when required.REWARD FOR HIGHPREMIUMGet rewarded with up to 10% additionalbenefit on maturity sum assured by payinghigher premiums.If Super Income option is chosen Min. cash bonus is Guaranteed @5% for PPT 10 & @10% for PPT 10 & above ofAnnualised Premium during the premium payment term. For Future Income Option Guaranteed cash bonuses @30% ofAnnualised premium will be paid during Fixed Income period.LEGACY FOR GENERATIONSCreate a legacy for your loved ones andgenerations to come. One plan to take care theneeds of atleast 3 Generations. Maturity SumAssured & Terminal Bonus paid on Maturity.GUARANTEED CASH BONUSGet assurity of minimum gauarnteed cashbonus upto 10% of Annualised Premium inSuper Income and up to 30% of AnnualisedPremium in Future Income Option as survivalbenefits.2Please refer complete Sales Brochure before concluding sales
Income Payout OptionsSuper IncomeSmart IncomeFuture Income(Immediate Income)(Immediate Income)(Deferred Income) Cash bonuses from 1st year or1st month till age 100/80 Minimum Guaranteed cashbonus# @10% of AnnualizedPremium during PPT Cash bonuses paid from1st year or 1st month, asper income mode chosen,till age 100/80 Simple Reversionary bonus forfirst 15 Years of the policy. Fixed Income along with Cashbonuses will be paid from endof 15th policy year till maturity. Guaranteed cash bonuses#@30% of Annualized premiumduring Fixed Income period.#IfSuper Income option is chosen Min. cash bonus is Guaranteed @5% for PPT 10 & @10% for PPT 10 & above of Annualized Premium during the premium payment term. For Future Income OptionGuaranteed cash bonuses @30% of Annualised premium will be paid during Fixed Income period. The accrued Cash Bonuses and/or Fixed Income pay-outs shall be accumulated monthly at Reverse Repo Rate published by RBI on its website. This rate will be reviewed at the beginning of every month andwill be aligned with the latest Reverse-Repo Rate published on RBI’s website. Fixed Income (Sum of all accrued Simple Reversionary Bonuses) / (Fixed Income Pay-out Period). Fixed Income Pay-out Periodcommences from end of 15th policy year and is equal to 30 years for maturity age option 100 years and 20 years for maturity age option 80 years.3Please refer complete Sales Brochure before concluding sales
Other Flexibilities with all three Income Pay-out Options1Option to accumulate survival benefit payouts at pre-definedinterest rate 2Flexibility to withdraw the accumulated amount partially/fullyanytime during policy term.3Flexibility to receive your income payout on the date of your choice.Coincide with special occasions.4Receive your payouts as Yearly / Half- yearly / Quarterly / Monthlyinstallments.5Option to opt for income payout period up to the age of 100 or 80. The accrued Cash Bonuses and/or Fixed Income pay-outs shall be accumulated monthly at Reverse Repo Rate published by RBI on its website.This rate will be reviewed at the beginning of every month and will be aligned with the latest Reverse-Repo Rate published on RBI’s website.Important Points: Flexibility to choose Date of SurvivalBenefit Payout is available only ifAnnual mode of income payout isselected. Date chosen at inception cannot bechanged post issuance. There is no restriction on no. of timesor amount of accumulated value canbe withdrawn during the policy term. Customer can choose Accumulationoption at policy inception or duringthe policy term through a writtennotice to PMLI.4Please refer complete Sales Brochure before concluding sales
Boundary ConditionsParticularsPremium Payment TermPolicy TermAllPremium Payment TermMinimum Age at Entry1(years)Family Care OptionMaximum Age at(years)Option 3: Future IncomeWithout5 to 10, 12, 155 to 10, 12, 158, 10, 12, 15With5 to 10, 12, 155 to 10, 12, 158, 10, 12, hout10, 12 & 155 to 10, 12 & 15WithMaturity Age 1 (years)AllWith/WithoutMinimum AnnualizedPremium (Rs.)5 to 92Maximum AnnualizedPremium (Rs.)Option 2: Smart IncomeMaturity Option 1: 80 minus Age at entry;Maturity Option 2: 100 minus age at entryWith/Without5 to 92Entry1Option 1: Super IncomeMaturity Option 1: 80 years; Maturity Option 2: 100 years60,000With/Without10, 12 & 15All24,000With/WithoutSubject to maximum Basic Sum Assured limit as per Board Approved UnderwritingPolicy.1 Allreference to age is as on age last birthday. For policies issued to minor lives the risk cover starts immediately at inception. Also, in case the life assured is a minor, the policy will vest withthe life assured when the life assured attains an age of 18 years.2 PremiumPayment Term 5, 6, 7 & 9 years are not available with Future Income Option5Please refer complete Sales Brochure before concluding sales
Super Income OptionSurvival Benefit Cash Bonus will be payable from 1s t Policyyear in the mode of payout chosen bypolicyholder. Min. Guaranteed Cash Bonus as % ofAnnualized Premium during PremiumPayment term:FamilyCareBenefitPremiumPayment Term 10 yearsPremium PaymentTerm 10 yearsWithout5%2%10%5%WithMaturity BenefitDeath Benefit Maturity Benefit shall be paid on Maturitydate applicable as per Maturity option of 80or 100 years of age Sum Assured on Maturity; Accrued cash bonuses, if not paid earlier; Terminal Bonus, if declared.Death Benefit shall be equal to the followingand payable as lumpsum: Sum Assured on Death, plus; Accrued cash bonuses, if not paid earlier,plus; Interim Cash/Simple Reversionary Bonus(if any) plus Terminal Bonus on death (if declared)Sum Assured on Maturity Sum of all Annualized Premium Additional Benefit (high premium reward); For Family Care option the annualized premium usedto derive the benefits on survival and maturity, will be subject to a guaranteed rate of reduction to cover the additional cost of mortality arising from such policies.Sum Assured on Death Higher of (10 X Annualized Premium, Death Benefit Multiple X Annualized Premium)6Please refer complete Sales Brochure before concluding sales
Super Income OptionSantosh, aged 30 years, wishes to have a secondary income to support his family’s expenses as well as to build aretirement corpus with some element of guarantee. He opts for “PNB MetLife Century Plan” and chooses “Super Income”option with premium payment term of 12 years, policy term ‘up to age 100’ and chooses annual mode of income payout.His yearly premium is Rs. 50,000 (exclusive of Goods and Service tax), assuming that he is in good health.Sum assured onMaturity Rs. 6,00,000Cash bonus of shall be payable every year till age 100Guaranteed cash bonus @10% p.a. during PPT;Cash bonus payout of Rs. 12,950@8% p.a. & 6,800 @4% p.a.Year 0123411Cash bonus of Rs. 25,900 @8% p.a.and Rs. 10,200 @4% p.a. till age 10012 13 14Total premiumspaid under Policy Terminal Bonus(if declared) ofRs. 1.12 Cr@8% p.a.Rs. 23.3 lakh@4%p.a.Rs. 6,00,000Total benefitsreceived Rs.70 (age 100)1,35,42,600@8% &Rs. 36,03,200@4%Santosh pays premium of Rs. 50,000 p.a. for 12 yrs.3Guarantee may vary basis Premium Payment Term and whether Family Care Option has been chosen. Please note that the Bonuses after end of Premium Payment Term are not guaranteed and may be declared by the Company from time to time.The above premium figures are exclusive of Goods and Services Tax and Cess. The above illustration has been determined using assumed investment returns at 4% and 8% respectively. Assumed rate of returns are not guaranteed and theseare not the upper or lower limits.Please refer complete Sales Brochure before concluding sales7
Super Income OptionIn case of unfortunate demise of Santosh in the 15th policy year, his nominee receives the following benefit.Guaranteed Benefit(Rs.)Sum Assured on Death5,87,500Guaranteed Minimum Death Benefit payable after6,30,000PPT (105% of total premiums paid)Non-Guaranteed Benefits at Death@8%@4%Interim Cash Bonus (if declared)25,90010,200Terminal Bonus, if declared, will be payable along with Death Benefit. The above illustration has been determined using assumedinvestment returns at 4% and 8% respectively. Assumed rate of returns are not guaranteed and these are not the upper or lower limits.Please refer complete Sales Brochure before concluding sales8
Smart Income OptionSurvival Benefit Cash Bonus will be payable from 1s t Policyyear in the mode of payout chosen bypolicyholder.Maturity BenefitDeath Benefit Maturity Benefit shall be paid on Maturitydate applicable as per Maturity option of 80or 100 years of age Sum Assured on Maturity; Accrued cash bonuses, if not paid earlier; Terminal Bonus, if declared.Death Benefit shall be equal to the followingand payable as lumpsum: Sum Assured on Death, plus; Accrued cash bonuses, if not paid earlier,plus; Interim Cash/Simple Reversionary Bonus(if any) plus Terminal Bonus on death (if declared)Sum Assured on Maturity Sum of all Annualized Premium Additional Benefit (high premium reward); For Family Care option the annualized premium usedto derive the benefits on survival and maturity, will be subject to a guaranteed rate of reduction to cover the additional cost of mortality arising from such policies.Sum Assured on Death Higher of (10 X Annualized Premium, Death Benefit Multiple X Annualized Premium)9Please refer complete Sales Brochure before concluding sales
Smart Income OptionVikram, aged 30 years, wishes to have a secondary income to support his family’s expenses as well as to build aretirement corpus. He opts for “PNB MetLife Century Plan” and chooses “Smart Income” option with premium paymentterm of 10 years, policy term ‘up to age 100’ and chooses annual mode of income payout. His yearly premium is Rs.50,000 (exclusive of Goods and Service tax), assuming that he is in good health.Sum assured onMaturity Rs. 5,00,000Cash bonus of shall be payable every year till age 100Cash bonusCash bonus ofRs. 17,460 @8%Rs. 7,400 @4%Cash bonus payout of Rs. 14,550@8% p.a. & 6,725 @4% p.a.Year 012349Vikram pays premium of Rs. 50,000 p.a. for 10 yrs.15 16Cash bonusof Rs. 20,370@8% and Rs.8,070 @4%30 31of Rs. 22,555@8% & Rs.8,745 @4%45 46Cash bonus ofRs24,735 @8%& Rs. 9,415@4%60 6170 (age 100)Total premiumspaid under Policy Rs. 6,00,000Total benefitsreceived Rs. 1,15,91,375@8%& Rs. 29,48,250@4%Terminal Bonus(if declared) ofRs.97.2 Lakh @8% p.a.; Rs.18.9 lakh @4%p.a.The above illustration has been determined using assumed investment returns at 4% and 8% respectively. Assumed rate of returns are not guaranteed and these are not the upper or lower limits.Please refer complete Sales Brochure before concluding sales10
Smart Income OptionIn case of unfortunate demise of Vikram in the 15th policy year, his nominee receives the following benefit.Guaranteed Benefita.Sum Assured on Death(Rs.)5,87,500Non-Guaranteed Benefits at Death@8%@4%b.Interim Cash Bonus (if declared)14,5506,725Total benefit payable at Death (a b)6,02,0505,94,225Terminal Bonus, if declared, will be payable along with Death Benefit. The above illustration has been determined using assumedinvestment returns at 4% and 8% respectively. Assumed rate of returns are not guaranteed and these are not the upper or lower limits.Please refer complete Sales Brochure before concluding sales11
Future Income OptionSurvival Benefit Simple Reversionary Bonus accrued during first 14years of policy, will be payable as Fixed Income inequal instalments during Fixed Income PayoutPeriod. (Fixed Income Accrued SRB/Fixed IncomePayout Period) Cash Bonus will be payable from 15th Policy year inthe mode of payout chosen by policyholder. Min. Guaranteed Cash Bonus will be as a % ofAnnualized Premium during PPT:Family CareBenefitMinimum Guaranteed CashBonus RateWithout30%With10%Maturity BenefitDeath Benefit Maturity Benefit shall be paid on Maturitydate applicable as per Maturity option of 80or 100 years of age Sum Assured on Maturity; Accrued cash bonuses, if not paid earlier; Fixed Income, if applicable and not paidearlier; Terminal Bonus, if declared. Death Benefit shall be equal to the followingand payable as lumpsum: Sum Assured on Death, plus; Accrued cash bonuses, if not paid earlier,plus; Accrued Simple Reversionary Bonus lessSum of all Fixed Incomes already paid (ifapplicable), Interim Cash/Simple Reversionary Bonus (ifany) plus Terminal Bonus on death (if declared)Sum Assured on Maturity Sum of all Annualized Premium Additional Benefit (high premium reward); For Family Care option the annualized premium used to derive the benefits on survivaland maturity, will be subject to a guaranteed rate of reduction to cover the additional cost of mortality arising from such policies.Sum Assured on Death Higher of (10 X Annualized Premium, Death Benefit Multiple X Annualized Premium)Fixed Income Payout Period commences from end of 15th policy year and is equal to outstanding term till maturity or specified fixed period whichever is earlier. Where, Fixedperiod is equal to 30 years for maturity age option 100 years and 20 years for maturity age option 80 years.Sum Assured on Maturity Sum of all Annualized Premium Additional BenefitSum Assured on Death Higher of (10 X Annualized Premium, Death Benefit Multiple X Annualized Premium)Please refer complete Sales Brochure before concluding sales12
Future Income OptionSachin, aged 45 years wants to secure an income for his retirement years. He opts for “PNB MetLife Century Plan” andchooses “Future Income” option with premium payment term of 10 years, policy term ‘up to age 100’ and chooses annualmode of income payout. He decides to pay a yearly premium of Rs. 100,000 (exclusive of Goods and Service tax),assuming that he is in good health.Sum assuredon MaturityRs. 10,50,000Min. Cash BonusGuarantee3 of 30% for FixedIncome periodCash bonus shall be payable till maturityMin Guaranteed cash bonus @30% ofAnnualised premium of Rs. 1 LakhCash bonus of Rs. 96,850 @8%30,500 @4%Simple reversionary bonus will accrue from 1st policy year to14th policy yearYear 01234Sachin pays premium of Rs. 1,00,000 p.a. for 10 yrs.9Cash bonus ofRs. 1,04,850@8%Rs. 500 @4%Fixed Income of Rs. 8,003 @ 8% for 30years & Rs. 4,013 @4%14154555 (age 100)Total premiums paidunder Policy Rs.10,00,000Total benefitsreceived Rs. 82,38,950@8% &Rs. 21,40,900@4%Terminal Bonus(if declared) ofRs. 28.9 Lakh @8%p.a.Rs. 50,000 @4%p.a.3Guarantee may vary basis whether Family Care Option has been chosen. Please note that the Bonuses after end of Premium Payment Term are not guaranteed and may be declared by the Company from time to time. The above premium figuresare exclusive of Goods and Services Tax and Cess. The above illustration has been determined using assumed investment returns at 4% and 8% respectively. Assumed rate of returns are not guaranteed and these are not the upper or lowerlimits.Please refer complete Sales Brochure before concluding sales13
Future Income OptionIn case of unfortunate demise of Sachin in the 20th policy year, his nominee receives the following benefit.Guaranteed Benefits(Rs.)a. Sum Assured on Death10,65,000Non-Guaranteed Benefits at Death@8%@4%Simple reversionary bonus accrued during firstb. fourteen policy years less Sum of all FixedIncomes already paid2,00,0851,00,335c. Interim Cash Bonus (if declared)96,85030,50013,61,93511,95,835Total Benefit (a b c)Terminal Bonus, if declared, will be payable along with Death Benefit. The above illustration has been determined using assumedinvestment returns at 4% and 8% respectively. Assumed rate of returns are not guaranteed and these are not the upper or lower limits.Please refer complete Sales Brochure before concluding sales14
Family Care BenefitArvind, aged 35 years, has a 3 year old son Anuj. Arvind wants a savings plan which will ensure that Anuj’s higher education needsare fulfilled even in his absence. He opts for “Family Care Benefit” with Super Income option of “PNB MetLife Century Plan” and: Selects premium payment term of 8 years and policy term of upto age 80Opts for yearly premiums of Rs. 1,00,000 (exclusive of taxes/cesses), assuming that he is in good healthHe opts for Super Income Option & yearly Income modeSum assured onMaturity Rs. 7,02,240Total premiums paidunder Policy Rs.Cash bonus of shall be payable every year till age 80Guaranteed cash bonus @2% p.a.during PPT; Cash bonus payout ofRs. 14,964 @8% p.a. & 7,482 @4%p.a.Year 01234Cash bonus of Rs. 29,511 @8% p.a. & Rs. 11,018@4% p.a. till age 807815 16 17Terminal Bonus(if declared) ofRs. 20.5 Lakh @8%p.a.Rs. 1.2 Lakh @4% p.a.45 (age 80)10,00,000Total benefitsreceived Rs. 82,38,950@8% &Rs. 21,40,900@4%Arvind pays premium of Rs. 1,00,000 p.a. for 8 yrs.3Guarantee may vary basis Premium Payment Term and whether Family Care Option has been chosen. Please note that the Bonuses after end of Premium Payment Term are not guaranteed and may be declared by the Company from time to time.The above premium figures are exclusive of Goods and Services Tax and Cess. The above illustration has been determined using assumed investment returns at 4% and 8% respectively. Assumed rate of returns are not guaranteed and theseare not the upper or lower limits.Please refer complete Sales Brochure before concluding sales15
Family Care BenefitIn case of Arvind’s unfortunate death in the 5th policy year, future premiums are waived off, Sum Assured onDeath of Rs. 10,40,000 will be paid immediately & Survival benefits continue to be paid to the nominee.Sum assured onMaturity Rs. 7,02,240Cash bonus of shall be payable every year till age 80Guaranteed cash bonus 2% p.a. during PPT;Cash bonus payout of Rs. 14,964@8% p.a. & Rs. 7,482 @4% p.a.Cash bonus of Rs. 29,511 @8% p.a. Rs.11,018 @4% p.a. till age 80Terminal Bonus(if declared) ofRs.20.5 Lakh @8%p.a.; Rs. 1.2 lakh@4% p.a.Future premiumsare waived offYear 01234715 16 1745 (age 80)In case of Arvind’s unfortunate death in the 5 th policy year, future premiums are waived off,Sum Assured on Death of Rs. 10,40,000 will be paid immediately & Survival benefits continueto be paid to the nominee.Terminal Bonus, if declared, will be payable along with Death Benefit. The above illustration has been determined using assumed investment returns at 4% and8% respectively. Assumed rate of returns are not guaranteed and these are not the upper or lower limits.Please refer complete Sales Brochure before concluding sales16
Premium DiscontinuanceIf you discontinue paying premium, your policy will lapse or become paid-upPolicy acquires Surrender value provided premiums are paid in full for first 2 policy years Paid-Up Value: Continue as a Paid-Up policy with reduced benefits.BenefitsPayoutSum Assured on Death x (t/n); Plus sum of all accrued Cash Bonuses Plus accrued Simple Reversionary Bonuses less sum of fixed income paid till the dateof death Plus Terminal Bonus,if anyDeath BenefitAt any point in time the minimum death benefit shall be 105% of all premiums paid as on date of death.If Family Care Benefit is chosen at inception, then Reduced Paid-Up Sum Assured on Death shall be payable as lumpsum. Policy will continue withreduced benefits and will receive benefits as mentioned under Survival/Maturity section below.Maturity BenefitSum Assured on Maturity X t/n; The policy cover terminates with payment of reduced maturity benefit:Maturity benefit is defined as sum of Reduced paid-up Sum Assured on Maturity plus Accrued Cash Bonuses (if not paid earlier) plus Fixed Incomes (if notpaid earlier) plus Terminal Bonus (if declared)On survival of Life Assured, or on death of Life Assured if Family Care Benefit is chosen, Survival Benefits under a paid-up policy shall be paid based on theIncome option chosen:SurvivalOption 1: Super Income - No Cash Bonus shall be paid.; Option 2: Smart Income- No Cash Bonus shall be paid; Option 3: Future Income- Fixed Income eachyear during Fixed Income Payout Period Where, Fixed Income Sum of all accrued Simple Reversionary Bonuses x Income Payout Factor / Fixed IncomePayout Period Surrender Value: SV is higher of the Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV) of the policy. Revival: Lapsed /Paid-up policy can be revived for its full coverage within 5 years from the due date of the first unpaid premium but before policy maturity. Policy loan: The maximum amount of policy loan that can be availed is limited to 80% of the Surrender Value at the end of the relevant Policy Year less {any unpaidpremiums for that year and loan interest accrued to the end of that year}. The rate of interest to be charged on outstanding loan is taken as the 10 Year G-Sec rate as on1st of April plus 250 basis points, rounded to the nearest 50 basis points.17Please go through the sales literature/terms & conditions of the product for more details17
PNB MetLife Century Plan – Death Benefit MultiplesDeath Benefit MultipleMaturity Age/ Age at 6013.1512.6012.1512.1012.0011.9011.8011.70Maturity Age/ Age at Entry10080Maturity Age/ Age at Entry10080Maturity Age /Age at 10.1810.1710.1610.15464748495051525354555657585960 18Please refer complete Sales Brochure before concluding sales
PNB MetLife Century Plan – Rate of reductionFamily Care OptionGuaranteed Rate of Reduction (expressed as a % of Annualized Premium)Smart Income Option with Family Care Benefit (Maturity Age: 80 Years)Smart Income Option with Family Care Benefit (Maturity Age: 100 Years)PPT - Age18 - 2526 - 3536 - 4041 - 4546 - 80%Super Income Option with Family Care Benefit (Maturity Age: 100 Years)PPT - Age18 - 2526 - 3536 - 4041 - 4546 - 60%Super Income Option with Family Care Benefit (Maturity Age: 80 %45.90%Future Income Option with Family Care Benefit (Maturity Age: 100 Years)PPT - Age18 - 2425 - 3435 - 3940 - 4445 - 50PPT - Age18 - 2526 - 3536 - 4041 - 4546 - 50PPT - Age18 - 2526 - 3536 - 4041 - 4546 - 10%Future Income Option with Family Care Benefit (Maturity Age: 80 10%21.70%31.00%37.20%44.90%PPT - Age18 - 2425 - 3435 - 3940 - 4445 - %21.80%27.10%34.10%The above tabulated Guaranteed Rate of Reduction is applied to the Annualized Premium for policies opting for Family Care Benefit option19Please refer complete Sales Brochure before concluding sales
Disclaimers PNB MetLife India Insurance Company Limited, Registered office: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road,Bangalore -560001. IRDA of India Registration number 117. CI No. U66010KA2001PLC028883. PNB MetLife Century Plan (117N129V01) is a non—linked, participating, savings life insurance plan. Please consult your advisor for more details. For moredetails on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. Tax benefits are as per the Income Tax Act,1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details. Goods and Services Tax (GST)shall be levied as per prevailing tax laws which are subject to change from time to time. The marks “PNB”, “P”, and “MetLife” are the registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNBMetLife India Insurance Company Limited is a licensed user of these marks. Call us Toll-free at 1-800-425-6969, Website: www.pnbmetlife.com, Email: indiaservice@pnbmetlife.co.in. or write to us 1st Floor, Techniplex -1, TechniplexComplex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062. Phone: 91-22-41790000, Fax: 91-22-41790203, AD-F/2021-22/125BEWARE OF SPURIOUS AND FICTIOUS/FRAUD PHONE CALLS!IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls arerequested to lodge a police complaint.20
Thank You21
Features - PNB MetLife Century Plan -Your Partner for Life If Super Income option is chosen Min. cash bonus is Guaranteed @5% for PPT 10 & @10% for PPT 10 & above of Annualised Premium during the premium payment term. For Future Income Option Guaranteed cash bonuses @30% of Annualised premium will be paid during Fixed Income period.
PNB MetLife Century Plan UIN - 117N129V01 Page 2 1.2. Policy Preamble PNB MetLife Century Plan An Individual, Non-linked, Participating, Savings, Life Insurance Plan This is a contract of insurance between You and PNB MetLife India Insurance Company Limited. This contract of insurance
PNB MetLife Guaranteed Future Plan - Options 4 - Income Boosters Option Individual, Non - Linked, Non-Participating Savings, Life Insurance Plan PNB MetLife Guaranteed Future Plan UIN - 117N124V03 Page 2 1.2. Policy Preamble PNB MetLife Guaranteed Future Plan An Individual, Non-linked, Non-Participating, Savings, Life Insurance Plan
1 APPLY FOR A PNB CREDIT CARD 1.1 New Application 1.1.1 Pre-Login (for new customers with no existing account on PNB Internet Banking) Step 1 Go to the PNB Cards page at www.pnbcards.com.ph and click the "Apply online for a PNB Credit Card" button to start your application. Step 2 Tick the box beside "I am not a robot". Follow the .
Comfort from brand linkages with PNB (promoter of PNBHFL) and experienced management team of PNBHFL PNB is the promoter of PNBHFL with 32.65% shareholding as on March 31, 2020. In January 2020, PNB, via its board resolution, confirmed its stated objective to continue to hold a minimum 26% shareholding in PNBHF and continue to remain its promoter.
PNB MetLife Guaranteed Income Plan is an Individual, Non-linked, Non-Participating, Savings, Life insurance plan (UIN: 117N097V04). Please consult your advisor for more details. . Minimum Age at entry* Premium Payment Type Policy Term Age (Years) 5 Pay 10 8 5 Pay 15 3 7 Pay 15 3 10 Pay 20 3 12 Pay 20 3 Maximum Age at entry* 60 Years
PNB MetLife Guaranteed Income Plan is an Individual, non-linked, non participating, Savings, . Minimum Annual Premium (Rs) 52,900 76,656 23,864 16,666 12,357 Minimum Sum Assured . Guaranteed Income Benefit Guaranteed Income Benefit X Basic Sum Assured X Paid-up factor*
PNB MetLife Guaranteed Future Plan, . policy term and amount of premium paid. Guaranteed Income varies from: for Income Option: 108% to 248% ; Income Lumpsum: 103% to 175% & Guaranteed Lumpsum . The death benefit may vary depending in which the death occurs and will be minimum 10 times of Annualized Premium .
The group work is a valuable part of systematic training and alerts people to other training opportunities. Most have been on training courses provided by a range of early years support groups and charities and to workshops run by individual settings. Some have gained qualifications, such as an NVQ level 3 or a degree in child development and/or in teaching. Previous meetings have focused on .
