Quotation/Proposal Number 70009037043 Quotation/Proposal Date 11 - Nov - 2022

PNB MetLife India Insurance Co. Ltd.

Benefit Illustration for PNB MetLife Century Plan (UIN No. :117N129V01)
Individual, Non-Linked, Participating, Savings, Life Insurance Plan
Personal details
Name of the Life Assured HNI Customer Name of the Product PNB MetLife Century Plan
Age of Life Assured 34 Tag Line Individual, Non-Linked, Participating, Savings, Life Insurance Plan
Gender of Life Assured Male UIN 117N129V01

Name of Policyholder HNI Customer GST rate applicable 1st year / 2nd year onwards 4.500% / 2.250%
Age of Policyholder 34
Gender of Policyholder Male
Is client an employee? No
Policy Term 46 years
Premium Payment Term 15 years
Amount of Instalment Premium 2,00,000
Mode of payment of Premium Annual

How to read and understand this benefit illustration?

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.Some benefits are guaranteed and some benefits are variable with returns based on the future
performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked guaranteed in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will
show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of
factors including future investment performance.

Policy Details
Policy Options Death Benefit multiple 10.45 Annualised Premium (Rs.) 2,00,000
Plan Option Future Income Base Sum Assured (Rs.) 20,00,000 Age Extra No
Maturity Option Upto Age 80 Sum Assured on Death (at inception of policy) (Rs.) 20,90,000 Health Extra No
Family Care Benefit No High Premium Reward Yes

Bonus Type Cash Bonus / Simple

Reversionary Bonus
Income payout mode Annual
Premium Summary
Base Plan Age Extra Health Extra Total Installment Premium
Installment Premium without GST (Rs.) 2,00,000 0 0 2,00,000
Installment Premium with First Year GST (Rs.) 2,09,000 0 0 2,09,000 Premium to be
Installment Premium with GST Second Year Onwards (Rs.) 2,04,500 0 0 2,04,500 collected

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s ervice@pnbmetlife.co.in or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com
 Base Policy Benefit Details
Total Benefits including Guaranteed and Non-Guaranteed Benefits
Guaranteed benefits Non-Guaranteed benefits @4% Non-Guaranteed benefits @8%
Survival Benefit Maturity Benefit Death Benefit Surrender Benefit
Total Total Total Total Total
Age of Annualised Total Survival Maturity Maturity Death Death Total Total
Policy the Life premium* Min.
Year Assured Guaranteed Fixed Surrender Death Maturity Accrued Cash Fixed Surrender Accrued Cash Fixed Surrender Survival Benefit Benefit, Benefit, Benefit, Benefit, Surrender Surrender
(years)
(Rs.) Cash Bonus Income Benefit** Benefit Benefit Reversionary Bonus Income Benefit** Reversionary Bonus Income Benefit** Benefit @8% including including including including Value Value
(Rs.) (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) @4% Terminal Terminal Terminal Terminal @4% @8%
(15) = Bonus, if Bonus, if Bonus, if Bonus, if
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) = (1+ 11+ any @4% any @8% any @4% any @8% (20) = (21) =
(1+7+8) 12) (3+9) (3+13)
(16) (17) (18) (19)
1 34 2,00,000 0 0 0 20,90,000 0 25,800 0 0 0 51,500 0 0 0 0 0 0 0 21,15,800 21,41,500 0 0
2 35 2,00,000 0 0 1,20,000 20,90,000 0 51,600 0 0 273 1,03,000 0 0 546 0 0 0 0 21,41,600 21,93,000 1,20,273 1,20,546
3 36 2,00,000 0 0 2,10,000 20,90,000 0 77,400 0 0 464 1,54,500 0 0 927 0 0 0 0 21,67,400 22,44,500 2,10,464 2,10,927
4 37 2,00,000 0 0 4,00,000 20,90,000 0 1,03,200 0 0 702 2,06,000 0 0 1,401 0 0 0 0 21,93,200 22,96,000 4,00,702 4,01,401
5 38 2,00,000 0 0 5,00,000 20,90,000 0 1,29,000 0 0 993 2,57,500 0 0 1,983 0 0 0 0 22,19,000 23,47,500 5,00,993 5,01,983
6 39 2,00,000 0 0 6,36,000 20,90,000 0 1,54,800 0 0 1,347 3,09,000 0 0 2,688 0 0 0 0 22,44,800 23,99,000 6,37,347 6,38,688
7 40 2,00,000 0 0 7,84,000 20,90,000 0 1,80,600 0 0 1,770 3,60,500 0 0 3,533 0 0 0 0 22,70,600 24,50,500 7,85,770 7,87,533
8 41 2,00,000 0 0 9,44,000 20,90,000 0 2,06,400 0 0 2,291 4,12,000 0 0 4,573 0 0 0 0 22,96,400 25,02,000 9,46,291 9,48,573
9 42 2,00,000 0 0 11,16,000 20,90,000 0 2,32,200 0 0 2,903 4,63,500 0 0 5,794 0 0 0 0 23,22,200 25,53,500 11,18,903 11,21,794
10 43 2,00,000 0 0 13,00,000 21,00,000 0 2,58,000 0 0 3,638 5,15,000 0 0 7,262 0 0 0 0 23,48,000 26,05,000 13,03,638 13,07,262
11 44 2,00,000 0 0 14,96,000 23,10,000 0 2,83,800 0 0 2,34,652 5,66,500 0 0 6,32,386 0 0 0 0 23,73,800 26,56,500 17,30,652 21,28,386
12 45 2,00,000 0 0 17,04,000 25,20,000 0 3,09,600 0 0 2,18,263 6,18,000 0 0 7,10,760 0 0 0 0 25,20,000 29,68,000 19,22,263 24,14,760
13 46 2,00,000 0 0 19,24,000 27,30,000 0 3,35,400 0 0 1,97,217 6,69,500 0 0 7,97,399 0 0 0 0 27,30,000 33,19,500 21,21,217 27,21,399
14 47 2,00,000 0 0 21,56,000 29,40,000 0 3,61,200 0 0 1,74,088 7,21,000 0 0 8,96,988 0 0 0 0 29,40,000 36,97,000 23,30,088 30,52,988
15 48 2,00,000 60,000 0 24,00,000 31,50,000 0 3,43,140 13,400 18,060 1,40,638 6,84,950 1,69,000 36,050 10,02,826 91,460 2,65,050 0 0 31,50,000 39,67,950 25,40,638 34,02,826
16 49 0 60,000 0 24,90,000 31,50,000 0 3,25,080 13,400 18,060 2,35,013 6,48,900 1,69,000 36,050 14,60,585 91,460 2,65,050 0 0 31,50,000 41,85,900 27,25,013 39,50,585
17 50 0 60,000 0 25,80,000 31,50,000 0 3,07,020 13,400 18,060 3,39,694 6,12,850 1,69,000 36,050 18,58,200 91,460 2,65,050 0 0 31,50,000 41,89,850 29,19,694 44,38,200
18 51 0 60,000 0 26,70,000 31,50,000 0 2,88,960 13,400 18,060 4,36,453 5,76,800 1,69,000 36,050 23,16,300 91,460 2,65,050 0 0 31,50,000 41,71,800 31,06,453 49,86,300
19 52 0 60,000 0 27,00,000 31,50,000 0 2,70,900 13,400 18,060 5,41,680 5,40,750 1,69,000 36,050 28,36,400 91,460 2,65,050 0 0 31,50,000 41,55,750 32,41,680 55,36,400
20 53 0 60,000 0 27,00,000 31,50,000 0 2,52,840 13,400 18,060 7,34,600 5,04,700 1,69,000 36,050 33,88,500 91,460 2,65,050 0 0 31,50,000 41,41,700 34,34,600 60,88,500
21 54 0 60,000 0 27,00,000 31,50,000 0 2,34,780 13,400 18,060 9,27,520 4,68,650 1,69,000 36,050 39,42,600 91,460 2,65,050 0 0 31,50,000 41,29,650 36,27,520 66,42,600
22 55 0 60,000 0 27,00,000 31,50,000 0 2,16,720 13,400 18,060 11,20,440 4,32,600 1,69,000 36,050 44,98,700 91,460 2,65,050 0 0 31,50,000 41,19,600 38,20,440 71,98,700
23 56 0 60,000 0 27,00,000 31,50,000 0 1,98,660 13,400 18,060 13,13,360 3,96,550 1,69,000 36,050 50,58,800 91,460 2,65,050 0 0 31,50,000 41,13,550 40,13,360 77,58,800
24 57 0 60,000 0 27,00,000 31,50,000 0 1,80,600 13,400 18,060 15,08,280 3,60,500 1,69,000 36,050 56,20,900 91,460 2,65,050 0 0 31,50,000 41,09,500 42,08,280 83,20,900
25 58 0 60,000 0 27,00,000 31,50,000 0 1,62,540 13,400 18,060 17,03,200 3,24,450 1,69,000 36,050 61,85,000 91,460 2,65,050 0 0 31,50,000 41,07,450 44,03,200 88,85,000
26 59 0 60,000 0 27,00,000 31,50,000 0 1,44,480 13,400 18,060 18,98,120 2,88,400 1,69,000 36,050 67,53,100 91,460 2,65,050 0 0 31,50,000 41,09,400 45,98,120 94,53,100
27 60 0 60,000 0 27,00,000 31,50,000 0 1,26,420 13,400 18,060 20,93,040 2,52,350 1,69,000 36,050 73,25,200 91,460 2,65,050 0 0 31,50,000 41,15,350 47,93,040 1,00,25,200
28 61 0 60,000 0 27,00,000 31,50,000 0 1,08,360 13,400 18,060 22,87,960 2,16,300 1,69,000 36,050 79,03,300 91,460 2,65,050 0 0 31,50,000 41,27,300 49,87,960 1,06,03,300
29 62 0 60,000 0 27,00,000 31,50,000 0 90,300 13,400 18,060 24,84,880 1,80,250 1,69,000 36,050 84,83,400 91,460 2,65,050 0 0 31,50,000 41,41,250 51,84,880 1,11,83,400
30 63 0 60,000 0 27,00,000 31,50,000 0 72,240 13,400 18,060 26,81,800 1,44,200 1,69,000 36,050 90,71,500 91,460 2,65,050 0 0 31,50,000 41,63,200 53,81,800 1,17,71,500
31 64 0 60,000 0 27,00,000 31,50,000 0 54,180 13,400 18,060 28,80,720 1,08,150 1,69,000 36,050 96,63,600 91,460 2,65,050 0 0 31,50,000 41,89,150 55,80,720 1,23,63,600
32 65 0 60,000 0 27,00,000 31,50,000 0 36,120 13,400 18,060 30,79,640 72,100 1,69,000 36,050 1,02,61,700 91,460 2,65,050 0 0 31,50,000 42,21,100 57,79,640 1,29,61,700
33 66 0 60,000 0 27,00,000 31,50,000 0 18,060 13,400 18,060 32,78,560 36,050 1,69,000 36,050 1,08,67,800 91,460 2,65,050 0 0 31,50,000 42,61,050 59,78,560 1,35,67,800
34 67 0 60,000 0 27,00,000 31,50,000 0 0 13,400 18,060 34,77,480 0 1,69,000 36,050 1,14,81,900 91,460 2,65,050 0 0 31,50,000 43,09,000 61,77,480 1,41,81,900
35 68 0 0 0 27,00,000 31,50,000 0 0 91,400 0 36,80,400 0 2,65,000 0 1,21,06,000 91,400 2,65,000 0 0 31,50,000 44,39,000 63,80,400 1,48,06,000

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s ervice@pnbmetlife.co.in or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com
 Base Policy Benefit Details
Total Benefits including Guaranteed and Non-Guaranteed Benefits
Guaranteed benefits Non-Guaranteed benefits @4% Non-Guaranteed benefits @8%
Survival Benefit Maturity Benefit Death Benefit Surrender Benefit
Total Total Total Total Total
Age of Annualised Total Survival Maturity Maturity Death Death Total Total
Policy the Life premium* Min.
Year Assured Guaranteed Fixed Surrender Death Maturity Accrued Cash Fixed Surrender Accrued Cash Fixed Surrender Survival Benefit Benefit, Benefit, Benefit, Benefit, Surrender Surrender
(years)
(Rs.) Cash Bonus Income Benefit** Benefit Benefit Reversionary Bonus Income Benefit** Reversionary Bonus Income Benefit** Benefit @8% including including including including Value Value
(Rs.) (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) @4% Terminal Terminal Terminal Terminal @4% @8%
(15) = Bonus, if Bonus, if Bonus, if Bonus, if
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) = (1+ 11+ any @4% any @8% any @4% any @8% (20) = (21) =
(1+7+8) 12) (3+9) (3+13)
(16) (17) (18) (19)
36 69 0 0 0 27,00,000 31,50,000 0 0 91,400 0 38,93,200 0 2,65,000 0 1,27,30,000 91,400 2,65,000 0 0 31,50,000 45,33,000 65,93,200 1,54,30,000
37 70 0 0 0 27,00,000 31,50,000 0 0 91,400 0 41,10,000 0 2,65,000 0 1,33,66,000 91,400 2,65,000 0 0 31,50,000 46,39,000 68,10,000 1,60,66,000
38 71 0 0 0 27,00,000 31,50,000 0 0 91,400 0 43,26,800 0 2,65,000 0 1,40,16,000 91,400 2,65,000 0 0 31,50,000 47,59,000 70,26,800 1,67,16,000
39 72 0 0 0 27,00,000 31,50,000 0 0 91,400 0 45,47,600 0 2,65,000 0 1,46,78,000 91,400 2,65,000 0 0 31,50,000 48,91,000 72,47,600 1,73,78,000
40 73 0 0 0 27,00,000 31,50,000 0 0 91,400 0 47,70,400 0 2,65,000 0 1,53,56,000 91,400 2,65,000 0 0 31,50,000 50,39,000 74,70,400 1,80,56,000
41 74 0 0 0 27,00,000 31,50,000 0 0 91,400 0 49,97,200 0 2,65,000 0 1,60,52,000 91,400 2,65,000 0 0 31,50,000 52,05,000 76,97,200 1,87,52,000
42 75 0 0 0 27,00,000 31,50,000 0 0 91,400 0 52,26,000 0 2,65,000 0 1,67,72,000 91,400 2,65,000 0 0 31,50,000 53,95,000 79,26,000 1,94,72,000
43 76 0 0 0 27,00,000 31,50,000 0 0 91,400 0 54,60,800 0 2,65,000 0 1,75,16,000 91,400 2,65,000 0 0 31,50,000 56,09,000 81,60,800 2,02,16,000
44 77 0 0 0 27,00,000 31,50,000 0 0 91,400 0 57,23,600 0 2,65,000 0 1,82,88,000 91,400 2,65,000 0 0 31,55,400 58,51,000 84,23,600 2,09,88,000
45 78 0 0 0 27,00,000 31,50,000 0 0 91,400 0 60,85,500 0 2,65,000 0 1,90,92,000 91,400 2,65,000 0 0 32,17,400 61,25,000 87,85,500 2,17,92,000
46 79 0 0 0 0 31,50,000 31,50,000 0 91,400 0 0 0 2,65,000 0 0 91,400 2,65,000 42,70,000 96,90,000 33,01,400 88,95,000 0 0

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s ervice@pnbmetlife.co.in or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com
Notes:
*Annualized Premiums exclude underwriting extra premium, frequency loadings on premium, the premiums paid towards the Riders, if any, Goods & service tax. Refer Sales literature for explanation of terms used in this illustration.
**In case cash bonuses have been paid out, the same (alongwith Fixed Income payout) shall be deducted from the Surrender Values indicated, at the time of payout.
Goods & Service 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. Service Tax is inclusive of applicable cess.
Notes to the Benefit Illustration:
1. PNB MetLife Century 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 (in terms of medical, life style and occupation).
5. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of the 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 have been rounded off to the nearest rupee wherever applicable.
7. Cash bonus will be subject to a guaranteed minimum Cash Bonus Rate during premium payment term if Super Income Option is chosen and during Fixed Income Payout Period (as applicable) if Future Income option is chosen.
8. Fixed Income is equal to Sum of all accrued Simple Reversionary Bonuses divided by Fixed Income Payout Period (as applicable). Fixed Income Payout Period commences from 15th policy year and equal to outstanding term ll maturity or specified fixed period;
whichever is earlier. Such specified fixed period is 30 years for maturity age option 100 years and 20 years for maturity age option 80 years.
9. 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). The
death or surrender values at any time other than at the end of the policy year will be lower than those illustrated above.
10. For the purpose of illustra ons, we have used 4% and 8% as the lower and the higher rates of investment returns respec vely, in the calcula ons. These are in accordance with the guidelines issued by IRDA of India and in no way signify our expecta ons of
investment return on the funds and the actual investment returns may be higher or lower.
11. The maximum amount of policy loan payable is limited to 80% of the 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.
12. In case of any conflict between this benefit illustration and your policy document, the latter shall prevail.
13. 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.
14. The policy will acquire a surrender value after payment of two full years' premium and the policy can continue with paid up
15. Terminal Bonus (if any) shall be payable post premium payment term or 10 years whichever is earlier in the event of death of Life Assured, surrender or maturity
16. Surrender Value payable is taken as the higher of Guaranteed Surrender Value and Special Surrender Value. Please read the Policy document for more details.
17. For more details on risk factors, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
18. The following riders are available along with this plan: PNB MetLife Accidental Death Benefit Rider Plus (UIN: 117B020V03), PNB MetLife Serious Illness Rider (UIN: 117B021V03).

I, …...................... (name), have explained the premiums, and benefits under the product fully to the prospect / policyholder. I, …...................... (name), having received the informa on with respect to the above, have understood the above statement
before entering into the contract.

Place:
Date: Date:
Signature of Agent / Intermediary / Official Signature of Prospect / Policyholder

Financial Advisor/Specified Person/Authorized Person of Broker Code/IMF: _________________

Branch/Location: _________________________ Contact No: ________________ Seal: ____________________

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s ervice@pnbmetlife.co.in or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com