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One of the foremost life insurers in India, PNB MetLife is a collaboration between MetLife International Holdings Inc., Punjab National Bank Limited, Jammu and Kashmir Bank Limited, M.Pallonji and Company Private Limited and other private investors. PNB MetLife India Insurance Co.Ltd has its headquarters in Bengaluru and its corporate office in Gurgaon. It was founded in the year 2001 in India. This company offers a wide range of products for protection and retirement.

"PNB MetLife Mera Term Plan is a non-linked, non-participating term insurance plan."

Life is too unpredictable. To secure your family's comfort and dreams in your absence, PNB MetLife Mera Term Plan is highly recommended. It is a tailor-made protection plan that gives you the flexibility to select from four sum assured payout options. Not only this, PNB MetLife Mera Term Plan would offer coverage to your spouse in the same existing term plan. This is an online pocket-friendly plan.

The features of the PNB MetLife Mera Term Plan are mentioned below:

• Offers financial security to your loved ones in your absence.
• Offers 4 sum assured pay out options to select from either full lump sum payout, payout as lump sum + Regular monthly income, Payout as lump sum + Increasing Monthly. Income and Payout as Lump sum + Regular Monthly Income till your child turns 21.
• Offers you the flexibility to choose your term plan between 10 to 81 years (40 years for joint life cover).
• Offers tax benefits under the Section 80C and 10(10 D) under the Income Tax Act.
• Offers coverage to your spouse in the same plan.

Offers riders like accidental death benefit rider, accident disability benefit rider, critical illness rider and serious illness rider, at very affordable rates to enhance your base term plan.

The eligibility criteria for buying the PNB MetLife Mera term plan is mentioned below:

PNB MetLife Mera Term Plan offers four sum assured pay out options to select from either full lump sum payout, payout as lump sum + Regular monthly income, Payout as lump sum + Increasing Monthly Income and Payout as Lump sum + Regular Monthly Income till your child turns 21. The details are mentioned below:

• Full lump sum payout: Offers your nominee the basic sum assured in lump sum as specified in the policy schedule in case of an uncertainty.
• Lump sum + Regular Monthly Income Plan: Offers the nominee 50% of the basic sum assured in a lump sum form and the balance amount in level monthly installments for 10 years in case if an uncertainty.
• Lump sum + Increasing Monthly Income: Offers the nominee 50% of the basic sum assured in a lump sum amount and an increasing monthly income for next 10 years @12% per annum.
• Lump sum + Regular Monthly Income till child turns 21: This option shall only be available to policyholders with child age less than or equal to 15 years.

Offers lump sum payout equal to 50% of sum assured in the event of a claim plus regular monthly income till your child turns 21 years.

A term plan doesn't cover anything and everything. The exclusion list under the PNB MetLife Mera Term Plan is mentioned below. The claims would not be admitted under the below exclusions:

• Suicide- If the insured commits suicide within the first year of the plan, then 80% of the premium paid till date is given to the nominee.

PNB MetLife Mera Term Insurance offers a wide-ranging term coverage that takes care of your overheads associated with liabilities and offers you peace of mind by making arrangements for a financially secured life for your loved ones. The variety of riders offered by the term insurance plans would enhance your insurance policies at a very minimal rate. This is the reason PNB MetLife Mera Term Plan is the most recommended product.