Quotation/Proposal Number 70014883867 Quotation/Proposal Date 04 - Nov - 2023

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 Dev khari Name of the Product PNB MetLife Century Plan
Age of Life Assured 28 Tag Line Individual, Non-Linked, Participating, Savings, Life Insurance Plan
Gender of Life Assured Male UIN 117N129V01

Name of Policyholder Dev khari GST rate applicable 1st year / 2nd year onwards 4.500% / 2.250%
Age of Policyholder 28
Gender of Policyholder Male
Is client an employee? No
Policy Term 52 years
Premium Payment Term 15 years
Amount of Instalment Premium 1,00,000
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 10.80 Annualised Premium (Rs.) 1,00,000
Plan Option Smart Income Base Sum Assured (Rs.) 10,00,000 Age Extra No
Maturity Option Upto Age 80 Sum Assured on Death (at inception of policy) (Rs.) 10,80,000 Health Extra No
Family Care Benefit No High Premium Reward Yes

Bonus Type Cash Bonus

Income payout mode Annual
Premium Summary
Base Plan Age Extra Health Extra Total Installment Premium
Installment Premium without GST (Rs.) 1,00,000 0 0 1,00,000
Installment Premium with First Year GST (Rs.) 1,04,500 0 0 1,04,500 Premium to be
Installment Premium with GST Second Year Onwards (Rs.) 1,02,250 0 0 1,02,250 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 28 1,00,000 0 0 0 10,80,000 0 0 20,300 0 0 0 38,900 0 0 20,300 38,900 0 0 11,00,300 11,18,900 0 0
2 29 1,00,000 0 0 60,000 10,80,000 0 0 20,300 0 20,300 0 38,900 0 38,900 20,300 38,900 0 0 11,00,300 11,18,900 80,300 98,900
3 30 1,00,000 0 0 1,05,000 10,80,000 0 0 20,300 0 40,600 0 38,900 0 77,800 20,300 38,900 0 0 11,00,300 11,18,900 1,45,600 1,82,800
4 31 1,00,000 0 0 2,00,000 10,80,000 0 0 20,300 0 60,900 0 38,900 0 1,16,700 20,300 38,900 0 0 11,00,300 11,18,900 2,60,900 3,16,700
5 32 1,00,000 0 0 2,50,000 10,80,000 0 0 20,300 0 81,200 0 38,900 0 1,55,600 20,300 38,900 0 0 11,00,300 11,18,900 3,31,200 4,05,600
6 33 1,00,000 0 0 3,18,000 10,80,000 0 0 20,300 0 1,01,500 0 38,900 0 1,94,500 20,300 38,900 0 0 11,00,300 11,18,900 4,19,500 5,12,500
7 34 1,00,000 0 0 3,92,000 10,80,000 0 0 20,300 0 1,21,800 0 38,900 0 2,33,400 20,300 38,900 0 0 11,00,300 11,18,900 5,13,800 6,25,400
8 35 1,00,000 0 0 4,72,000 10,80,000 0 0 20,300 0 1,42,100 0 38,900 0 2,72,300 20,300 38,900 0 0 11,00,300 11,18,900 6,14,100 7,44,300
9 36 1,00,000 0 0 5,58,000 10,80,000 0 0 20,300 0 1,62,400 0 38,900 0 3,11,200 20,300 38,900 0 0 11,00,300 11,18,900 7,20,400 8,69,200
10 37 1,00,000 0 0 6,50,000 10,80,000 0 0 20,300 0 1,82,700 0 38,900 0 3,50,100 20,300 38,900 0 0 11,00,300 11,18,900 8,32,700 10,00,100
11 38 1,00,000 0 0 7,48,000 11,55,000 0 0 20,300 0 2,87,000 0 38,900 0 5,43,000 20,300 38,900 0 0 11,55,000 11,55,000 10,35,000 12,91,000
12 39 1,00,000 0 0 8,52,000 12,60,000 0 0 20,300 0 2,92,600 0 38,900 0 5,84,800 20,300 38,900 0 0 12,60,000 12,60,000 11,44,600 14,36,800
13 40 1,00,000 0 0 9,62,000 13,65,000 0 0 20,300 0 2,95,200 0 38,900 0 6,24,600 20,300 38,900 0 0 13,65,000 13,65,000 12,57,200 15,86,600
14 41 1,00,000 0 0 10,78,000 14,70,000 0 0 20,300 0 2,93,800 0 38,900 0 6,65,400 20,300 38,900 0 0 14,70,000 14,70,000 13,71,800 17,43,400
15 42 1,00,000 0 0 12,00,000 15,75,000 0 0 20,300 0 2,89,400 0 38,900 0 7,05,200 20,300 38,900 0 0 15,75,000 15,75,000 14,89,400 19,05,200
16 43 0 0 0 12,45,000 15,75,000 0 0 22,280 0 3,04,500 0 46,580 0 7,63,000 22,280 46,580 0 0 15,75,000 15,75,000 15,49,500 20,08,000
17 44 0 0 0 12,90,000 15,75,000 0 0 22,280 0 3,26,780 0 46,580 0 8,30,160 22,280 46,580 0 0 15,75,000 15,75,000 16,16,780 21,20,160
18 45 0 0 0 13,35,000 15,75,000 0 0 22,280 0 3,49,060 0 46,580 0 8,99,320 22,280 46,580 0 0 15,75,000 15,75,000 16,84,060 22,34,320
19 46 0 0 0 13,50,000 15,75,000 0 0 22,280 0 3,71,340 0 46,580 0 9,99,480 22,280 46,580 0 0 15,75,000 15,75,000 17,21,340 23,49,480
20 47 0 0 0 13,50,000 15,75,000 0 0 22,280 0 4,24,240 0 46,580 0 11,16,640 22,280 46,580 0 0 15,75,000 15,75,000 17,74,240 24,66,640
21 48 0 0 0 13,50,000 15,75,000 0 0 22,280 0 4,82,800 0 46,580 0 12,34,800 22,280 46,580 0 0 15,75,000 15,75,000 18,32,800 25,84,800
22 49 0 0 0 13,50,000 15,75,000 0 0 22,280 0 5,42,360 0 46,580 0 13,55,960 22,280 46,580 0 0 15,75,000 15,75,000 18,92,360 27,05,960
23 50 0 0 0 13,50,000 15,75,000 0 0 22,280 0 6,01,920 0 46,580 0 14,79,120 22,280 46,580 0 0 15,75,000 15,75,000 19,51,920 28,29,120
24 51 0 0 0 13,50,000 15,75,000 0 0 22,280 0 6,62,480 0 46,580 0 16,04,280 22,280 46,580 0 0 15,75,000 15,75,000 20,12,480 29,54,280
25 52 0 0 0 13,50,000 15,75,000 0 0 22,280 0 7,23,040 0 46,580 0 17,31,440 22,280 46,580 0 0 15,75,000 15,75,000 20,73,040 30,81,440
26 53 0 0 0 13,50,000 15,75,000 0 0 22,280 0 7,84,600 0 46,580 0 18,62,600 22,280 46,580 0 0 15,75,000 15,75,000 21,34,600 32,12,600
27 54 0 0 0 13,50,000 15,75,000 0 0 22,280 0 8,46,160 0 46,580 0 19,95,760 22,280 46,580 0 0 15,75,000 15,75,000 21,96,160 33,45,760
28 55 0 0 0 13,50,000 15,75,000 0 0 22,280 0 9,08,720 0 46,580 0 21,31,920 22,280 46,580 0 0 15,75,000 15,75,000 22,58,720 34,81,920
29 56 0 0 0 13,50,000 15,75,000 0 0 22,280 0 9,71,280 0 46,580 0 22,73,080 22,280 46,580 0 0 15,75,000 15,75,000 23,21,280 36,23,080
30 57 0 0 0 13,50,000 15,75,000 0 0 22,280 0 10,35,840 0 46,580 0 24,17,240 22,280 46,580 0 0 15,75,000 15,75,000 23,85,840 37,67,240
31 58 0 0 0 13,50,000 15,75,000 0 0 24,260 0 11,00,400 0 54,260 0 25,66,400 24,260 54,260 0 0 15,75,000 15,75,000 24,50,400 39,16,400
32 59 0 0 0 13,50,000 15,75,000 0 0 24,260 0 11,67,920 0 54,260 0 27,28,920 24,260 54,260 0 0 15,75,000 15,75,000 25,17,920 40,78,920
33 60 0 0 0 13,50,000 15,75,000 0 0 24,260 0 12,36,440 0 54,260 0 28,95,440 24,260 54,260 0 0 15,75,000 15,75,000 25,86,440 42,45,440
34 61 0 0 0 13,50,000 15,75,000 0 0 24,260 0 13,05,960 0 54,260 0 30,67,960 24,260 54,260 0 0 15,75,000 16,02,260 26,55,960 44,17,960
35 62 0 0 0 13,50,000 15,75,000 0 0 24,260 0 13,76,480 0 54,260 0 32,46,480 24,260 54,260 0 0 15,75,000 16,72,260 27,26,480 45,96,480

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 63 0 0 0 13,50,000 15,75,000 0 0 24,260 0 14,48,000 0 54,260 0 34,31,000 24,260 54,260 0 0 15,75,000 17,48,260 27,98,000 47,81,000
37 64 0 0 0 13,50,000 15,75,000 0 0 24,260 0 15,20,520 0 54,260 0 36,23,520 24,260 54,260 0 0 15,75,000 18,32,260 28,70,520 49,73,520
38 65 0 0 0 13,50,000 15,75,000 0 0 24,260 0 15,95,040 0 54,260 0 38,25,040 24,260 54,260 0 0 15,75,000 19,25,260 29,45,040 51,75,040
39 66 0 0 0 13,50,000 15,75,000 0 0 24,260 0 16,70,560 0 54,260 0 40,35,560 24,260 54,260 0 0 15,75,000 20,27,260 30,20,560 53,85,560
40 67 0 0 0 13,50,000 15,75,000 0 0 24,260 0 17,48,080 0 54,260 0 42,58,080 24,260 54,260 0 0 15,75,000 21,41,260 30,98,080 56,08,080
41 68 0 0 0 13,50,000 15,75,000 0 0 24,260 0 18,26,600 0 54,260 0 44,92,600 24,260 54,260 0 0 15,75,000 22,67,260 31,76,600 58,42,600
42 69 0 0 0 13,50,000 15,75,000 0 0 24,260 0 19,08,120 0 54,260 0 47,41,120 24,260 54,260 0 0 15,75,000 24,07,260 32,58,120 60,91,120
43 70 0 0 0 13,50,000 15,75,000 0 0 24,260 0 19,92,640 0 54,260 0 50,06,640 24,260 54,260 0 0 15,75,000 25,64,260 33,42,640 63,56,640
44 71 0 0 0 13,50,000 15,75,000 0 0 24,260 0 20,79,160 0 54,260 0 52,90,160 24,260 54,260 0 0 15,75,000 27,39,260 34,29,160 66,40,160
45 72 0 0 0 13,50,000 15,75,000 0 0 24,260 0 21,69,680 0 54,260 0 55,95,680 24,260 54,260 0 0 16,07,260 29,36,260 35,19,680 69,45,680
46 73 0 0 0 13,50,000 15,75,000 0 0 26,240 0 22,63,200 0 60,020 0 59,20,200 26,240 60,020 0 0 16,54,240 31,58,020 36,13,200 72,70,200
47 74 0 0 0 13,50,000 15,75,000 0 0 26,240 0 23,07,680 0 60,020 0 62,73,240 26,240 60,020 0 0 16,77,240 33,91,020 36,57,680 76,23,240
48 75 0 0 0 13,50,000 15,75,000 0 0 26,240 0 23,44,160 0 60,020 0 66,50,280 26,240 60,020 0 0 17,31,240 36,48,020 36,94,160 80,00,280
49 76 0 0 0 13,50,000 15,75,000 0 0 26,240 0 23,78,640 0 60,020 0 70,54,320 26,240 60,020 0 0 17,91,240 39,32,020 37,28,640 84,04,320
50 77 0 0 0 13,50,000 15,75,000 0 0 26,240 0 24,62,860 0 60,020 0 74,88,360 26,240 60,020 0 0 18,86,240 42,46,020 38,12,860 88,38,360
51 78 0 0 0 13,50,000 15,75,000 0 0 26,240 0 25,93,350 0 60,020 0 76,08,400 26,240 60,020 0 0 18,86,240 42,46,020 39,43,350 89,58,400
52 79 0 0 0 0 15,75,000 15,75,000 0 26,240 0 0 0 60,020 0 0 26,240 60,020 24,65,000 52,25,000 19,96,240 47,90,020 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