Benefit Illustration - Metlife Guaranteed Savings Plan (Uin No. 117N096V01)

PNB MetLife India Insurance Co. Ltd.
Benefit Illustration - MetLife Guaranteed Savings Plan (UIN No. 117N096V01)
Name of the Insured Mrs. Anjali Budhiraja Date of Birth of the Insured 10/Oct/1982
Age of the Insured 35 Gender of the Insured Female
Name of the Policy holder Anjali Budhiraja Date of Birth of the Policy holder 10/Oct/1982
Age of the Policy holder 35 Gender of the Policy holder Female
Policy Details
Policy Term 20 years Base Sum Assured (Rs.) 661,011 Annualized Premium (Rs.) 60,000
Sum Assured on Death (at
Premium Payment Term 10 years inception of policy) (Rs.)
859,846 5,316
Installment Premium (Rs.)
Premium Payment Mode Monthly Age Extra No Goods and Services tax
on Installment Premium 239
Premium Multiple for Health Extra (Rs.)
Death Benefit
10 No
Rider Details
Rider Name Rider Term Rider Premium Rider Sum Rider Annualized Rider Installment Goods and Services tax on
(years) Payment Term Assured Premium (Rs.) Premium (Rs.) Rider Installment Premium
(years) (Rs.) (Rs.)
MetLife Accidental Death Benefit Rider Plus (UIN: 117B020V01) 0 0 0.00 0
MetLife Serious Illness Rider (UIN: 117B021V01) 0 0 0.00 0
Premium Summary
Base Riders Age Extra Health Extra Total Installment

Plan Premium
Installment Premium without Applicable Taxes (Rs.) 5,316.00 0.00 0.00 0.00 5,316.00 Premium to be
collected
Installment Premium with First Year Applicable Taxes (Rs.) 5,555.22 0.00 0.00 0.00 5,555.22
Installment Premium with Applicable Taxes Second Year Onwards (Rs.) 5,435.61 0.00 0.00 0.00 5,435.61
PNB MetLife India Insurance Company Limited, Registered office: Unit No 701,702 and 703, 7th Floor, West Wing ,Raheja Towers, 26/27 M G Road, Bangalore- 560001, Karnataka.
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, Techniplex Complex, Off Veer Savarkar Flyover,
Goregaon (West), Mumbai - 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203. IRDA of India Registration Number: 117, CI No.: U66010KA2001PLC028883,
Visit us at www.pnbmetlife.com
Base Policy Benefit Details
Age of Guaranteed Accrued
Annualized Guaranteed Maturity Guaranteed Special Surrender
Policy Year the Life Additions Guaranteed
premium* Death Benefit Surrender Surrender Value
Assured Each Year Additions
(Rs.) Benefit (Rs.) (Rs.) Value (Rs.) Value (Rs.) Payable
(years)
1 35 63,792 865,693 6,379 6,379 0 0 0 0
2 36 63,792 878,452 12,758 19,138 0 0 0 0
3 37 63,792 897,589 19,138 38,275 0 58,480 83,897 83,897
4 38 63,792 923,106 25,517 63,792 0 129,629 121,929 129,629
5 39 63,792 955,002 31,896 95,688 0 163,008 166,129 166,129
6 40 63,792 993,277 38,275 133,963 0 197,056 217,296 217,296
7 41 63,792 1,037,932 44,654 178,618 0 231,981 276,326 276,326
8 42 63,792 1,088,965 51,034 229,651 0 285,039 344,222 344,222
9 43 63,792 1,146,378 57,413 287,064 0 343,812 422,100 422,100
10 44 63,792 1,210,170 63,792 350,856 0 408,770 511,209 511,209
11 45 0 1,210,170 0 350,856 0 433,915 557,216 557,216
12 46 0 1,210,170 0 350,856 0 459,646 607,363 607,363
13 47 0 1,210,170 0 350,856 0 486,114 662,022 662,022
14 48 0 1,210,170 0 350,856 0 513,292 721,602 721,602
15 49 0 1,210,170 0 350,856 0 541,361 786,543 786,543
16 50 0 1,210,170 0 350,856 0 570,517 857,328 857,328
17 51 0 1,210,170 0 350,856 0 600,787 934,484 934,484
18 52 0 1,210,170 0 350,856 0 632,411 1,018,583 1,018,583
19 53 0 1,210,170 0 350,856 0 665,656 1,110,253 1,110,253
20 54 0 1,210,170 0 350,856 1,210,170 0 1,210,170 1,210,170
Rider Policy Benefit Details
Age of
Policy
the Life Rider Annualized Guaranteed Guaranteed Guaranteed Special Surrender Surrender Value
Year
Assured premium (Rs.) Accidental Death Serious Illness Surrender Value Value (Rs.) Payable (Rs.)
(years) Benefit (Rs.) Benefit (Rs.) (Rs.)
1 35 0 0 0 0 0 0
2 36 0 0 0 0 0 0
3 37 0 0 0 0 0 0
4 38 0 0 0 0 0 0
5 39 0 0 0 0 0 0
6 40 0 0 0 0 0 0
7 41 0 0 0 0 0 0
8 42 0 0 0 0 0 0
9 43 0 0 0 0 0 0
10 44 0 0 0 0 0 0
11 45 0 0 0 0 0 0
12 46 0 0 0 0 0 0
13 47 0 0 0 0 0 0
14 48 0 0 0 0 0 0
15 49 0 0 0 0 0 0
16 50 0 0 0 0 0 0
17 51 0 0 0 0 0 0
18 52 0 0 0 0 0 0
19 53 0 0 0 0 0 0
20 54 0 0 0 0 0 0
Notes:
*Annualized Premiums exclude underwriting extra premium, frequency loadings on premium, the premiums paid towards the Riders, if any, Goods and Services tax and applicable cess.
Goods and Services tax levied is as per presently applicable tax laws and the same are subject to changes in the tax laws in future. Please consult your Tax advisor for more details.
Notes to the benefit illustration in the following pages:
1. MetLife Guaranteed Savings Plan is only the name of the product and does not in any way indicate the quality of the product, its future prospects or returns.
2. Please read this benefit illustration in conjunction with the product brochure carefully to understand all Terms, Conditions and Exclusions before concluding a sale. The detailed Terms and
Conditions are contained in the Policy Document.
3. 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 the
prevailing tax regulations.
4. The above illustration is applicable to a standard life (from medical, life style and occupation point of view).
5. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company. If your policy offers guaranteed returns then these will
be clearly marked guaranteed in the illustration table.
6. The values in the illustration below have been rounded off to the nearest rupee wherever applicable.
7. The above amounts assume that all premiums are paid when due. Further, the above death and surrender values are illustrated assuming that all the installment premium payable in a policy year
are paid (i.e. the event occurs at the end of the policy year). If death or surrender occur and only some of the installment premium are paid, thenthe death or surrender values will only consist of that
premium that has been paid. The death or surrender values at any time other than at the end of the policy year will be lower than those illustrated above.
8. The maximum amount of policy loan amount payable is limited to 90% of the Special Surrender Value at the end of the relevant Policy Year less any unpaid premiums for that year and loan
interest accrued to the end of that year.
9. In case of any conflict between this benefit illustration and your policy document, the latter shall prevail.
10. The main objective of the illustration is that the client is able to understand the features of the product and the nature of benefits under different circumstances with some level of quantification
11. If the premium payment term of Base Policy is 10 years or more, the policy will acquire a surrender value after payment of three full years' premium and if the premium payment term of Base
Policy is less than 10 years, the policy will acquire a surrender value after payment of two full years' premium and the policy can continue with paid up benefits. Special Surrender Value (SSV) is a non
guaranteed benefit. The company reserves the rights to change the SSV Factor from time to time depending on the economic environment, experience and other factors, subject to prior approval from
IRDAI. Same applies for rider(s).
12. The Company provides a guaranteed surrender value as illustrated in the table. Surrender Value Payable is taken as the higher of Guaranteed Surrender Value and Special Surrender Value.
Please read the Policy document for more details.
13. For more details on risk factor, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
14. Goods and Services tax will be charged extra as per applicable rates.
15. The following riders are available along with this plan: MetLife Accidental Death Benefit Rider Plus (UIN: 117B020V01), MetLife Serious Illness Rider (UIN: 117B021V01).
Policyholder’s/ Prospect’s Declaration I _________________________________________________have been taken through the illustration for MetLife Guaranteed Savings Plan. The
Financial Advisor/Specified Person/Authorized Person of Broker has explained to me the premiums payable and benefits under the product. I having received the information with respect to the above
and have fully understood the above statement before entering into the contract.
Signature of the Policyholder/ Prospect ______________________________________
For PNB MetLife India Insurance Company Limited (FA/FPC/SP/Authorised Person as applicable)
I certify that this illustration has been fully explained to the Policyholder / Prospect, including the non-guaranteed elements. Further, I have also explained to the Policyholder / Prospect that the actual
returns/benefits under the product may be different from what has been illustrated.
Signature of the Financial Advisor/Specified Person/Authorized Person of Broker: _________________ Date: _____________________ Name: _____________________________
Financial Advisor/Specified Person/Authorized Person of Broker Code: ___________________ Branch/Location: __________________ Contact No: ________________ Seal:_______________
Notes:
*Annualized Premiums exclude underwriting extra premium, frequency loadings on premium, the premiums paid towards the Riders, if any, Goods and Services tax and applicable cess.
Goods and Services tax levied is as per presently applicable tax laws and the same are subject to changes in the tax laws in future. Please consult your Tax advisor for more details.
Notes to the benefit illustration in the following pages:
1. MetLife Guaranteed Savings Plan is only the name of the product and does not in any way indicate the quality of the product, its future prospects or returns.
2. Please read this benefit illustration in conjunction with the product brochure carefully to understand all Terms, Conditions and Exclusions before concluding a sale. The detailed Terms and
Conditions are contained in the Policy Document.
3. 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 the
prevailing tax regulations.
4. The above illustration is applicable to a standard life (from medical, life style and occupation point of view).
5. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your life insurance company. If your policy offers guaranteed returns then these will
be clearly marked guaranteed in the illustration table.
6. The values in the illustration below have been rounded off to the nearest rupee wherever applicable.
7. The above amounts assume that all premiums are paid when due. Further, the above death and surrender values are illustrated assuming that all the installment premium payable in a policy year
are paid (i.e. the event occurs at the end of the policy year). If death or surrender occur and only some of the installment premium are paid, thenthe death or surrender values will only consist of that
premium that has been paid. The death or surrender values at any time other than at the end of the policy year will be lower than those illustrated above.
8. The maximum amount of policy loan amount payable is limited to 90% of the Special Surrender Value at the end of the relevant Policy Year less any unpaid premiums for that year and loan
interest accrued to the end of that year.
9. In case of any conflict between this benefit illustration and your policy document, the latter shall prevail.
10. The main objective of the illustration is that the client is able to understand the features of the product and the nature of benefits under different circumstances with some level of quantification
11. If the premium payment term of Base Policy is 10 years or more, the policy will acquire a surrender value after payment of three full years' premium and if the premium payment term of Base
Policy is less than 10 years, the policy will acquire a surrender value after payment of two full years' premium and the policy can continue with paid up benefits. Special Surrender Value (SSV) is a non
guaranteed benefit. The company reserves the rights to change the SSV Factor from time to time depending on the economic environment, experience and other factors, subject to prior approval from
IRDAI. Same applies for rider(s).
12. The Company provides a guaranteed surrender value as illustrated in the table. Surrender Value Payable is taken as the higher of Guaranteed Surrender Value and Special Surrender Value.
Please read the Policy document for more details.
13. For more details on risk factor, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
14. Goods and Services tax will be charged extra as per applicable rates.
15. The following riders are available along with this plan: MetLife Accidental Death Benefit Rider Plus (UIN: 117B020V01), MetLife Serious Illness Rider (UIN: 117B021V01).
Policyholder’s/ Prospect’s Declaration I _________________________________________________have been taken through the illustration for MetLife Guaranteed Savings Plan. The
Financial Advisor/Specified Person/Authorized Person of Broker has explained to me the premiums payable and benefits under the product. I having received the information with respect to the above
and have fully understood the above statement before entering into the contract.
Signature of the Policyholder/ Prospect ______________________________________
For PNB MetLife India Insurance Company Limited (FA/FPC/SP/Authorised Person as applicable)
I certify that this illustration has been fully explained to the Policyholder / Prospect, including the non-guaranteed elements. Further, I have also explained to the Policyholder / Prospect that the actual
returns/benefits under the product may be different from what has been illustrated.
Signature of the Financial Advisor/Specified Person/Authorized Person of Broker: _________________ Date: _____________________ Name: _____________________________
Financial Advisor/Specified Person/Authorized Person of Broker Code: ___________________ Branch/Location: __________________ Contact No: ________________ Seal:_______________

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PNB MetLife India Insurance Co. Ltd.

Benefit Illustration - MetLife Guaranteed Savings Plan (UIN No. 117N096V01)

MetLife Accidental Death Benefit Rider Plus (UIN: 117B020V01) 0 0 0.00 0

MetLife Serious Illness Rider (UIN: 117B021V01) 0 0 0.00 0

Base Riders Age Extra Health Extra Total Installment

1 35 63,792 865,693 6,379 6,379 0 0 0 0

2 36 63,792 878,452 12,758 19,138 0 0 0 0

3 37 63,792 897,589 19,138 38,275 0 58,480 83,897 83,897

4 38 63,792 923,106 25,517 63,792 0 129,629 121,929 129,629

5 39 63,792 955,002 31,896 95,688 0 163,008 166,129 166,129

6 40 63,792 993,277 38,275 133,963 0 197,056 217,296 217,296

7 41 63,792 1,037,932 44,654 178,618 0 231,981 276,326 276,326

8 42 63,792 1,088,965 51,034 229,651 0 285,039 344,222 344,222

9 43 63,792 1,146,378 57,413 287,064 0 343,812 422,100 422,100

10 44 63,792 1,210,170 63,792 350,856 0 408,770 511,209 511,209

11 45 0 1,210,170 0 350,856 0 433,915 557,216 557,216

12 46 0 1,210,170 0 350,856 0 459,646 607,363 607,363

13 47 0 1,210,170 0 350,856 0 486,114 662,022 662,022

14 48 0 1,210,170 0 350,856 0 513,292 721,602 721,602

15 49 0 1,210,170 0 350,856 0 541,361 786,543 786,543

16 50 0 1,210,170 0 350,856 0 570,517 857,328 857,328

17 51 0 1,210,170 0 350,856 0 600,787 934,484 934,484

18 52 0 1,210,170 0 350,856 0 632,411 1,018,583 1,018,583

19 53 0 1,210,170 0 350,856 0 665,656 1,110,253 1,110,253

20 54 0 1,210,170 0 350,856 1,210,170 0 1,210,170 1,210,170

Signature of the Policyholder/ Prospect ______________________________________

Signature of the Policyholder/ Prospect ______________________________________

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