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PNB Metlife Mera Term Plus
Unique Features
- Comprehensive coverage
- Plan enhancement options
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PNB MetLife Term Insurance
PNB MetLife POS Suraksha
PNB MetLife PNB MetLife POS Suraksha is a term insurance plan that pro ...Read More
🛡️ IRDAI Approved
⭐ 4.6/5 · 936 reviews
📊 1.72 solvency ratio
✅ 99.57%% claim settlement ratio
🌐 15000++ pan-India
About PNB MetLife POS Suraksha
A quick read on what this PNB MetLife Term Insurance term plan covers and why it might be a fit for you.
PNB MetLife PNB MetLife POS Suraksha is a term insurance plan that provides guaranteed monthly income to support your family financially in your absence. PNB MetLife POS Suraksha is an individual non-linked, non-participating term insurance plan that offers both death and maturity benefits for better financial protection of your loved ones.
The plan offers a policy term ranging from 10 to 15 years and starts at an affordable premium of just ₹177 per month. The plan comes with flexible premium payment options and an easy enrollment process, allowing you to buy it without any medical examinations.
PNB MetLife POS Suraksha offers you a range of benefits including:
- Affordable Premium
- Flexible Premium Payment Term
- Guaranteed Monthly Income
- Tax Benefits as per laws
- Return of 100% Premium
- Maturity Benefit
Eligibility Criteria for PNB MetLife POS Suraksha
Entry age
Minimum Age - 18 years Maximum Age - 55 years
Maturity age
Maximum Maturity Age - 65 years
Policy term
Minimum term - 10 years Maximum term - 15 years
Sum assured
Basic Sum Assured: ₹50K to no limit.
Policy loan
The policy loan is not available under PNB MetLife POS Suraksha Plan.
Payment Modes
Annual, Semi-Annual, Quarterly, and Monthly
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Guaranteed Monthly Income
- Return of 100% premium
- Easy Enrollment
Cons
- 1 Year WP for Suicide
- No Policy Loans
- Death Due to Adventure Sports
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
PNB Metlife Term Insurance Plans
PNB Metlife term plan is a great option to cover your family. Choose amongst the four riders for an added net of safety with a sum assured that goes up to 1 crore.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
Entry Age -18 Years
Max Entry Age - 55 years
Minimum Sum Assured - ₹50k
Maximum Maturity Age - 65 years
Premium Payment Term - RP/LP
How Does PNB MetLife POS Suraksha Plan Work?
Let's understand how the PNB MetLife POS Suraksha Plan works with a simple premium illustration.
Problem
Abhinav, 30 years old, is looking for a simple pure protection plan to protect his family against any unforeseen events in his absence
Solution
His financial advisor advised him to buy the PNB MetLife POS Suraksha Plan Work. He visited PolicyX.com.
Let's understand how the PNB MetLife POS Suraksha Plan works for him with an example.
| Age of policyholder | Monthly Premiums | Annual Premiums | Policy Tenure | Total premiums paid | Sum assured |
| 30 years | ₹568/month | ₹6,816/year | 30 years | ₹2,04,480 | ₹25 Lakhs |
Key Takeaways: In case of Abhinav's unfortunate death during the policy term, his family will receive a lump sum death benefit payout.
Riders Associated with PNB MetLife POS Suraksha Plan
You can add the following riders to your PNB MetLife POS Suraksha Plan:
PNB MetLife Critical Illness Rider
The rider plan provides payment of an additional amount on the diagnosis of 10 critical conditions.
PNB Metlife Terminal Illness Rider
This rider offers additional benefits in case the policyholder is diagnosed with any of the terminal illnesses mentioned in the brochure.
PNB Metlife Waiver of Premium Rider
This rider ensures that future due premiums are waived off in case of total and permanent disability of the life assured.
Features of PNB MetLife POS Suraksha
Key features that make PNB MetLife POS Suraksha stand out.
Guaranteed Monthly Income
PNB MetLife POS Suraksha offers a guaranteed monthly income up to 10 years, to cover the living expenses of your loved ones after your absence.
Return of 100% Premium
Upon the survival of the whole policy term, PNB MetLife POS Suraksha returns all the paid premiums excluding taxes and charges.
Flexible Premium Payment Term
With the option of a flexible premium payment term, you can choose your policy tenure that suits your requirements and budget. (Available Premium payment options are 5/10/15 years.)
Easy Enrolment
PNB MetLife POS Suraksha offers easy and hassle-free enrollment, due to the exclusion of regular medical examinations conducted in term plans.
Benefits of PNB MetLife POS Suraksha
Here are the key benefits of the PNB MetLife POS Suraksha.
Death Benefit
In the event of the death of life insured during the policy term PNB MetLife POS Suraksha will pay the death benefit to the nominee
Maturity Benefit
Under PNB MetLife POS Suraksha, upon the event of full survival of the policy term the life insured will be paid as the absolute amount of benefit and the amount payable will be 100% of the Total premiums paid.
Tax Benefit
All the premiums paid for PNB MetLife POS Suraksha can be used as tax rebates up to 1.5 lacs under section 80C of the Income Tax Act 1961.
Death BenefitPayout Options
Under the POS Suraksha Plan from PNB MetLife, you can choose between two death benefits i.e. monthly income for a period of 120 months i.e. 10 years or a lump sum one time payment.
What are the exclusions of PNB MetLife POS Suraksha Plan
Here is the list of exclusions associated with the plan:
- Death occurred due to a pandemic is not covered by the company.
- Death caused due to any type of adventure sports.
- Death by consumption of any type of drugs and alcohol.
- Death due to any pre-existing disease that isn't mentioned during the start of the policy.
- If a policyholder commits suicide within first 12 months of purchasing the policy, then no death benefits are paid to their nominee.
Conclusion
Want to know PNB MetLife POS Suraksha in short? For your convenience, we are providing a short overview of the plan. By knowing what's good here and what's lacking, you can easily decide to purchase. If you have doubts or queries regarding the Bharti AXA POS Saral Jeevan Bima Yojana or need a human touch, you can contact us through the website policyx.com or at 1800-4200-269.
Conclusion
PNB MetLife POS Suraksha is an individual non-linked, non-participating term insurance plan that off
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Frequently Asked Questions
The 8 most-asked questions about PNB MetLife POS Suraksha, answered.
The minimum age to purchase the PNB MetLife POS Suraksha term plan is 18 years.
The minimum policy term available in PNB MetLife POS Suraksha term plan is 19 years.
In the PNB MetLife POS Suraksha term plan there is a 90-day waiting period available.
You will get a 100% return of premium as a maturity benefit under the PNB MetLife POS Suraksha term plan.
The Minimum sum assured available in the PNB MetLife POS Suraksha term plan is Rs. 50,000.
There is a 30-day grace period available in the PNB MetLife POS Suraksha term plan.
No, PNB MetLife POS Suraksha term plan can be bought without a medical examination test, only a written declaration about your health is enough.
Policyx.com is the best insurance web aggregator to purchase the PNB MetLife POS Suraksha term plan.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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