In this Policy, the Investment Risk in investment portfolio is borne by the Policyholder.

The linked insurance products do not offer any liquidity during first five years of the
contract. The policyholder will not be able to surrender/ withdraw the monies invested
in linked insurance products completely or partially till the end of fifth Year

1
6 REASONS
TO STAY
INVESTED
 

Existing ULIP plans ,irrespective of the premium amount still have an
2

edge and will keep on enjoying tax benefits u/s 80c and 10(10D)


`
 
Don't end up losing out on the return by surrendering your
policy. Get consistent & higher return by staying invested
for longer duration.
3


If you surrender your policy, your life insurance
cover stops immediately, and you and your
family are no longer secured.


`
%


%

4
`

You may miss the tax benefit of

the payable premiums.



Volatility in the market gives you better opportunity for
growth. Pay regular premium and stay invested to enjoy
6 5 the benefit of rupee cost averaging.



Mortality charges are levied on sum at risk. Due to the accumulated fund
value under your current policy, you may enjoy the benefit of paying lower
mortality charges.
1
As per the amendments done in Union Budget 2021 all ULIP plans bought after 1st Feb 2021 with more than INR 2.5 Lakh Annual Premium ( aggregate of all ULIP plan Premiums paid by
the individual assessee ) will not qualify the exemption u/s 10(10D) of IT Act. For more details please consult your tax advisor.
2
Generally investments in capital market may give fair returns if investments are kept for a reasonably longer period.
3
Tax benefits are as per Income Tax Act, 1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details.
MORE TIME YOU GIVE. MORE RETURNS YOU MAKE.
Stay invested and pay your premiums on time and regularly to get maximum benefits from your policy.
If Rahul invested INR 1 Lac in a specific scheme in the year 2005, his accumulated corpus would have increased to only 1.4 lac by 2009. However
if he stayed invested till Feb 2021, his accumulated corpus would have increased to 5.7 lacs, thus giving a return of nearly 470% on his
investment. This is an absolute return and cost of insurance, policy administration cost is not factored in the calculation.

YOUR MONEY Assumed lumpsum of ` 1 Lakh invested in

a scheme for the specified period. Absolute
` 1 Lakh is the principal invested in the fund
and ` 4.7 Lakh is the total return generated.
GROWS WITH TIME returns have been considered. So total wealth is ` 5.7 Lakh

Multiplier ULIF00625/01/05MULTIPLIER117 for which the return is being shown in the side table
For Illustrattive purpose only. Data for a PNB MetLife Equity fund, sourced from PMLI website.
` The calculation has been developed only to explain the concept of Power of Compounding however, the
actual returns at the end of each year may not be linear. The actual returns are expected to fluctuate
6.0 during the policy tenure depending on the Product & the prevailing market conditions. PNB MetLife


cannot and do not assess or guarantee the suitability or profitability of any particular investment, or the
potential value of any investment or informational source. You should seek the advice of a qualified
5.0 investment professional before making any investment.
Past performance of the Fund are not indicative of the future performance of the Fund
The aforesaid return projection is absolute fund performance. Cost of insurance and other policy charges
4.0 are not factored while projecting this return.


3.0
` 
   
2.0
`
`     
`     
1.0
    
    
0
    
2005-09 2009-13 2013-17 2017-2021 Since inception     
1 Feb 2021
Aforesaid mentioned Top 6 funds contribute a total of over 77% of ULIP Fund corpus.

POLICYHOLDER RETENTION FORM

Policy Number: _________________________________________ Policyholder Name: _______________________________________________________

Policyholder Contact Number (Mandatory): _____________________________Alternate Contact Number: __________________________________

Branch Office Name: ___________________________ Branch Office Code: ________________Plan Name: ____________________________________

1. The policy benefits have been explained to me to my satisfaction by the executive and have decided
to continue with the policy. Yes No

2. This form overrides the earlier surrender request made by me (if any) to PNB MetLife vide letter/ communication

dated _________________________
Policy holders signature_____________________ Policy number______________________
REASON FOR SURRENDER
(To be filled by the PNB MetLife employee)
Service Issue Any Other Reason
Financial Personal (PNB MetLife/Agent/Others) Alternate Investment (Please Specify) ________________________

Name of the Employee/Individual: ___________________________________Designation: __________________________________________________

Date of Retention: ______________________________________Signature: ________________________________________________________________

We appreciate your decision to continue with your existing policy and hope you have evaluated all the benefits of continuing with your policy prior to submitting
this application. Thank you for choosing PNB MetLife as your preferred insurance partner.
 (a) Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. (b) The premium paid in Unit Linked Life Insurance
policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market
and the insured is responsible for his/her decisions. (c) The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their
future prospects and returns.

 Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka. IRDAI
Registration number 117. CIN U66010KA2001PLC028883. For more details on risk factors, terms and conditions, Please refer to the policy document for details terms and conditions of product.
Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details. Goods and Service Tax (GST)
shall be levied as per the prevailing tax laws which are subject to change from time to time. The marks “PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan
Life Insurance Company, respectively. PNB MetLife is a licensed user of these marks. Call us Toll-free at 1-800-425-6969. Phone: 080-66006969, 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. AD-F/2020-21/747.

IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.