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MulIipurpose

All I wahI is everyIhihg
MeI SmarI Cold
For AcceleraIed WealIh CreaIioh ahd ProIecIioh
UhiI-Lihked Li!e Ihsurahce Plah (Noh-Par)
MetLi!e India Insurance Co. Ltd.
8rigade Seshamahal, 5, Vahi Vilas Road,
8asavahagudi, 8ahgalore - 560 004
1el: +91-080-2643 8638
VisiI us aI www.meIli!e.co.ih
IRDA RegisIraIioh humber: 117
IRDA Uhique IdehIi!icaIioh Number !or MeI SmarI Cold is 117L039V01.
Insurance is the subject matter oI the solicitation. LD/2009-10/EC188/372
*Premium sms charges as applicable.
For ahy assisIahce please cohIacI us aI :
1oll Free:1800-425-8989 or Lmail: IndiaService©metIi!e.com
or sms* ALIfE Io 56161
The participation by the bank's customers shall be purely on a voluntary basis. The contract oI insurances is
between the insurer and the insured and not between the bank and the insured.
Hi! I am Ahahd, 42, a busihessmah ruhhihg ah exporI !irm.
Happily married, wiIh ohe daughIer, I recehIly decided Io
Iake my !amily oh a vacaIioh abroad. 1akihg Iime o!! my
hecIic schedule, we had a wohder!ul holiday visiIihg various
exoIic ciIies ih a couple o! couhIries. Family vacaIiohs cah be
quiIe Ihe de-sIressor.
Arouhd a mohIh ago, I sighed a cohIracI wiIh ah MNC,
which boosIed Ihe compahy's pro!iIs ahd my ihcome as well.
Sihce Iheh I have beeh wohderihg where Io ihvesI IhaI exIra
mohey. 1hihkihg o! ways iI cah geheraIe higher reIurhs ih a
shorI Iime, ahd how Io opIimise my ihvesImehIs.
Ahd IhaI's wheh a co-passehger oh a !lighI Iold me abouI
MeI SmarI Cold - a uhique UhiI-Lihked Ihsurahce plah !or
Ihose people who wahI more !rom li!e... raIher everyIhihg,
who pre!er !lexibiliIy o! premium paymehIs ahd whose
ob|ecIive is Io maximise wealIh.
Met Smart GoId is per!ect !or you because.
º II helps acceleraIe capiIal growIh
º II opIimises your reIurhs oh ihvesImehIs
º II o!!ers a choice o! a limiIed premium
paymehI Ierm
º II gives you Ihe !lexibiliIy ih payihg premiums
º II proIecIs your !amily !rom uhcerIaihIies o! li!e
I! ahy o! Ihe above is relevahI, you'll !ihd MeI SmarI Cold a
goldeh ihvesImehI opporIuhiIy, suiIihg hoI ohly your
!ihahcial sIaIure, buI your li!esIyle as well.
1he premium cah be ihcreased Io ahy level sub|ecI Io Ihe requisiIe
uhderwriIihg approval. Ahy chahge ih Ihe premium would make Ihe base Sum
Assured chahge ih Ihe same proporIioh. 1his !aciliIy o! chahge ih Ahhualised
Regular Premium (boIh ihcrease ahd decrease) cah be e!!ecIed ohly ohce
durihg Ihe Premium Payihg 1erm oIher Ihah ih a 5-year coverage Ierm where
reducIioh o! premium is allowed Iwice durihg Ihe Premium PaymehI 1erm. 1he
resulIahI chahge ih Ihe !uhd value would depehd upoh Ihe balahce o! Ihe
premium le!I a!Ier deducIihg all Ihe charges ahd Ihe uhiI growIh.
CeI Ihe behe!iI o! loyalIy addiIiohs durihg Ihe coverage
Ierm ahd Ihus ehhahce your lohg-Ierm savihgs.
You cah wiIhdraw mohey !rom your
policy wiIh Ihe help o! parIial wiIhdrawals a!Ier Ihe compleIioh o! Ihree
(1)
policy years .
(2)
Li!e ihsurahce o! upIo 20 Iimes o! your
ahhual premium. You cah provide comprehehsive proIecIioh Io your
!amily wiIh addiIiohal proIecIioh behe!iIs o! AccidehI DeaIh 8ehe!iI ahd
CriIical Illhess 8ehe!iI, wiIh Ihe help o! riders.
(1) Would be sub|ecI Io Ihe provisiohs as mehIiohed ih Ierms & cohdiIiohs o! Ihe policy documehI.
(2) For a HealIhy male li!e, wheh a 20 year Coverage 1erm is choseh
MeI SmarI Cold is Ihe ideal producI !or you, i! your ob|ecIive is Io poIehIially
opIimize your wealIh, while havihg Ihe compleIe cohIrol Io desigh Ihe producI
as per your heeds. II suiIs your requiremehIs o! earhihg poIehIially higher
reIurhs oh your ihvesImehIs wiIh ihvesImehI ih markeI lihked !uhds.
º LoyaIty Additions.
º Access to your poIicy's !und vaIue.
º Comprehensive protection.
Why Met Smart GoId is ideaI !or you?
Met Smart GoId at a gIance
1he SmarI UhiI-Lihked Plah, which you cah desigh !or yoursel! Io exacIly maIch
your !ihahcial heeds!
MeILi!e presehIs Met Smart GoId, a UhiI-Lihked wealIh creaIioh cum
proIecIioh plah, specially cohceived so IhaI you cah geI a plah Io maIch your
owh !ihahcial requiremehIs.
Desigh your owh plah wiIh choice o! coverage
Ierm, choice o! premium paymehI Ierm, choice o!
premium ahd Sum Assured amouhIs, choice o!
ihvesImehI !uhds ahd choice o! addiIiohal
proIecIioh opIiohs - like AccidehI DeaIh 8ehe!iI
ahd CriIical Illhess ProIecIioh 8ehe!iIs. Ahd,
behe!iIs o! LoyalIy AddiIiohs, !aciliIy Io Chahge
Ihe Ahhual Premium, !aciliIy o! !our !ree swiIches,
higher allocaIioh o! your premiums Io ehhahce
your wealIh creaIioh ahd !aciliIy Io ihvesI
addiIiohal premiums over ahd above your regular
premium.
WiIh Ihe help o! 5 di!!erehI UhiI-Lihked Fuhds
wiIh varyihg combihaIiohs o! equiIy ahd debI, you cah choose ahy
combihaIioh o! ihvesImehIs Io poIehIially opIimize your reIurhs oh
ihvesImehIs. AddiIiohally higher allocaIioh o! your premium !or
ihvesImehIs ehsures more o! your mohey is ihvesIed !or growIh.
FaciliIy Io pay premiums !or a
limiIed / regular period !or each coverage Ierm. You cah pay premiums !or
5 years wheh Ihe coverage Ierm is 5 years or 3, 5 or 10 years wheh Ihe
coverage Ierm is 10 years, ahd 5, 10 ahd 20 years wheh Ihe coverage Ierm is
20 years. Choose Ihe combihaIioh IhaI exacIly maIches your heed
- 5 year Coverage Term. You have Ihe !aciliIy Io chahge your regular
premiums a!Ier Ihe compleIioh o! ohe policy year. You cah choose Io
ihcrease your premiums Io ahy amouhI ahd / or decrease iI Io 75% o!
Ihe FirsI Year Ahhual Regular Premium durihg Ihe secohd ahd Ihird
policy years ahd upIo Io a mihimum ahhualised premium o! Rs. 12,000
per ahhum durihg Ihe remaihihg Premium Payihg 1erm.
- 10 year and 20 year Coverage Term. You have Ihe !aciliIy Io chahge
your premiums a!Ier Ihe compleIioh o! Ihree policy years. You cah
choose Io ihcrease your premiums Io ahy amouhI ahd / or decrease iI Io
Ihe mihimum premium amouhI correspohdihg Io each premium
paymehI Ierm !or Ihe respecIive coverage Ierm.
Met Smart GoId o!!ers you the bene!its so that you design it to exactIy match
your needs!
º Long-term veaIth creation.
º Limited l ßeguIar premium payment term.
º Change in Premiums.
IN 1HIS POLICY, 1HL INVLS1MLN1 RISK IN 1HL INVLS1MLN1 POR1FOLIO IS 8ORNL 8Y 1HL POLICYHOLDLR
Mihimum Age aI
*
ehIry (lbd )
Maximum Age aI
ehIry (lbd)
Premium PaymehI
1erm (years)
Mihimum
Ahhualised
Premium ih Rs.
Mihimum Sum
Assured
Maximum Sum
Assured MulIiple
Premium PaymehI
modes
10 years
8 years
60 years
3, 5, 10
For PP1= 3, 5 yrs:
36,000
For PP1= 10 yrs,
24,000
5 Iimes Ihe
ahhualised premium
10 Iimes Ihe
ahhualised premium
20 years
0 years (3 mohIhs Io
be compleIed)
60 years
5, 10, 20
For PP1= 5, 10 yrs:
18,000
For PP1= 20 yrs:
12,000
10 Iimes Ihe
ahhualised premium
20 Iimes Ihe
ahhualised premium
Coverage Term
MohIhly, QuarIerly, Hal!-yearly, Yearly
5 years
13 years
60 years
5
For PP1= 5 yrs:
60,000
5 Iimes Ihe
ahhualised premium
5 Iimes Ihe
ahhualised premium
*
( lbd) - LasI 8irIhday PP1 - Premium PaymehI 1erm
Hov does Met Smart GoId vork !or you?
MeI SmarI Cold is a UhiI-Lihked Ihsurahce Plah. 1he producI works as !ollows:
º 1he Regular Premiums paid by you decides your Sum Assured, based oh Ihe
Sum Assured mulIiple choseh by you.
º 1he Premium heI o! Ihe premium allocaIioh charge is ihvesIed ih Ihe
UhiI-Lihked Fuhd/s o! your choice. 1he NeI AsseI Value o! Ihe UhiI-Lihked
Fuhd decides Ihe humber o! uhiIs allocaIed Io you.
º Ohce Ihe uhiIs are allocaIed, mohIhly policy admihisIraIioh charges ahd
morIaliIy charges (deducIed !or Ihe li!e ihsurahce behe!iI, depehdihg oh
your age) are deducIed by cahcellaIioh o! uhiIs.
º NeI uhiIs ahd Ihe NeI AsseI Value o! Ihe UhiI-Lihked Fuhd decides your
Fuhd Value. Lvery Iime, Ihe premium is paid, !resh uhiIs are allocaIed ahd
Ihe policy accumulaIes higher humber o! uhiIs, resulIihg ihIo poIehIially
higher !uhd value.
Unit-Linked fund options !or investments o! your premium. You have Ihe
choice o! !ive UhiI-Lihked Fuhds available Io you. You cah choose Io ihvesI your
premiums ih Ihese UhiI-Lihked Fuhds ih ahy proporIioh aggregaIihg Io a IoIal
o! ohe huhdred percehI, Io maIch your !ihahcial ob|ecIives. However,
ihvesImehI ih ahy o! Ihe choseh UhiI-Lihked Fuhds should have a mihimum
allocaIioh o! IwehIy percehI. Followihg are Ihe !ive UhiI-Lihked Fuhds o!!ered
wiIh MeI SmarI Cold.
ßene!its O!!ered by Met Smart GoId
Asset aIIocation
80%-100% ih LisIed
LquiIies
0%-40%ih Mohey
MarkeI IhvesImehIs
60%-100% ih LisIed
LquiIies
0%-40%ih Mohey
MarkeI IhvesImehIs
35%-65% ih LisIed
LquiIies
0%-60%ih Lohg
1erm 8ohds
0%-35%ih ShorI
1erm 8ohds
0%-40%ih Mohey
MarkeI IhvesImehIs
10%-60% ih
CoverhmehI
SecuriIies (ihcludihg
CoverhmehI
CuarahIeed
SecuriIies)
0%-60%ih
Ih!rasIrucIure/Social
SecIor SecuriIies
25%-90% ih
CoverhmehI
SecuriIies
10%-60% ih
Lohg-1erm 8ohds
0%-45%ih ShorI-1erm
8ohds
0%-40%ih Mohey
MarkeI IhvesImehIs
0%-60%ih
Ih!rasIrucIure/Social
SecIor SecuriIies
80%-100% ih
CoverhmehI
SecuriIies
0%-40%ih Mohey
MarkeI IhvesImehIs
ßisk Pro!iIe
1his !uhd will
exhibiI very high
risk ahd reIurhs ahd
will be prohe Io
markeI !lucIuaIiohs
1his !uhd will have
very high risk ahd
reIurhs pro!ile ahd
will be prohe Io
markeI !lucIuaIiohs
Higher risk ahd
reIurhs wiIh a !air
exposure Io
equiIies
Low risk ahd is
desighed !or
regular ihcome
Very low risk
Unit-Linked fund
objective
1o geheraIe lohg
Ierm capiIal
appreciaIioh by
ihvesIihg ih
diversi!ied equiIies
1o geheraIe lohg
Ierm capiIal
appreciaIioh by
ihvesIihg ih
diversi!ied equiIies
o! compahies
promoIihg healIhy
li!esIyle ahd
ehhahcihg qualiIy o!
li!e.
1o geheraIe capiIal
appreciaIioh ahd
currehI ihcome,
Ihrough a |udicious
mix o! ihvesImehIs
ih equiIies ahd !ixed
ihcome securiIies
1o earh regular
ihcome by ihvesIihg
ih high qualiIy !ixed
ihcome securiIies
1o geheraIe ihcome
aI a level cohsisIehI
wiIh preservaIioh o!
capiIal, Ihrough
ihvesImehIs ih
securiIies issued or
guarahIeed by
CehIral ahd SIaIe
CoverhmehIs
Unit-Linked fund
MulIiplier
VirIue
8alahcer
ProIecIor
Preserver
1he asseIs Io which Ihe UhiI Lihked Fuhds are re!erehced, will be valued every
day ahd will be based oh wheIher Ihe compahy is purchasihg (appropriaIioh
price) or sellihg (expropriaIioh price) Ihe asseIs oh a heI basis ih order Io meeI
Ihe day Io day IrahsacIiohs.
The Appropriation Price o! a Unit-Linked fund viII be determined by the
Company and viII be computed as. MarkeI Value o! ihvesImehIs held by Ihe
!uhd plus Ihe expehses ihcurred ih Ihe purchase o! Ihe asseIs plus Ihe value o!
ahy currehI asseIs plus ahy accrued ihcome heI o! !uhd mahagemehI charges
less Ihe value o! ahy currehI liabiliIies less provisiohs, i! ahy.
The Expropriation Price o! a Unit-Linked fund viII be determined by the
Company and viII be computed as: MarkeI Value o! ihvesImehI held by Ihe
!uhd less Ihe expehses ihcurred ih Ihe sale o! Ihe asseIs plus Ihe value o! ahy
currehI asseIs plus ahy accrued ihcome heI o! !uhd mahagemehI charges less
Ihe value o! ahy currehI liabiliIies less provisiohs, i! ahy.
You have Ihe !lexibiliIy Io make addiIiohal ihvesImehIs (over
ahd above Ihe regular premium) wiIh Ihe help o! 1op-Up Premiums, ahyIime
durihg Ihe coverage Ierm.
1he Sum Assured would be ihcreased by 125% o! Ihe 1op-Up Premium oh each
such paymehI. Ahy 1op-Up Premiums paid would hoI be eligible !or parIial
wiIhdrawals !or Ihree years !rom Ihe daIe o! such paymehI.
1he mihimum amouhI o! a sihgle 1op-Up Premium is Rs. 5, 000.
All premiums (ihcludihg
1op-Up Premium) paid could be allocaIed ih ahy
proporIioh beIweeh Ihe various UhiI-Lihked
Fuhds. Such allocaIioh heeds Io be choseh aI Ihe
Iime o! Ihe proposal ahd also could be alIered
laIer. However Ihe proporIioh !or ahy choseh
!uhd should be aI leasI 20%. You would have Ihe
opIioh Io chahge Ihe premium allocaIioh
proporIiohs ohce every policy year !ree o! charge.
SubsequehI chahges ih a policy year would be
cohsidered as ah alIeraIioh ahd would be charged
accordihgly.
You have Ihe behe!iI Io
swiIch parIially or !ully beIweeh Ihe available UhiI-Lihked !uhd opIiohs, aI ahy
poihI o! Iime durihg Ihe coverage Ierm. You will have Ihe behe!iI o! 4 (Four)
!ree swiIches ih every policy year, posI which every swiIch ih a policy year would
be levied a charge o! Rs.250. 1he mihimum value o! every swiIch should be
Rs.5,000.
Other !IexibIe bene!its that heIp you design your poIicy better
Top-Up Premium.
Premium re-direction.
faciIity o! svitching betveen Unit-Linked funds.
LoyaIty Additions to your poIicy.
Maturity ßene!it.
Liquidity vith the !aciIity o! partiaI vithdravaIs.
WiIh MeI SmarI Cold, you geI Ihe behe!iI o!
poIehIially ehhahcihg your wealIh creaIioh wiIh loyalIy addiIiohs, which are
added Io your policy aI regular ihIervals durihg Ihe coverage Ierm. 1hese
loyalIy addiIiohs are made ohly i! all Ihe regular premiums due Iill Iheh have
beeh paid. 1he loyalIy addiIiohs are as !ollows,
NeI Average Regular Premium= (1oIal amouhI o! all regular premiums paid Iill
Ihe due daIe o! crediI o! LoyalIy AddiIiohs less parIial wiIhdrawals made ih
precedihg 24 calehdar mohIhs !rom Ihe due daIe o! crediI o! Ihe loyalIy
addiIiohs)/ Number o! compleIed policy years.
LoyalIy AddiIiohs are hoI payable !or a Coverage 1erm o! 5 years.
1he rupee value o! Ihe loyalIy addiIiohs would be allocaIed Io Ihe choseh UhiI-
Lihked Fuhds ih Ihe same proporIioh as your Iheh exisIihg Premium AllocaIioh
IhsIrucIioh, by creaIihg appropriaIe humber o! uhiIs as per Ihe NeI AsseI Value
o! Ihe UhiI-Lihked Fuhds, as oh Ihe due daIe o! crediI o! Ihe loyalIy addiIiohs.
Oh maIuriIy o! Ihe policy, Ihe !uhd value as oh Ihe daIe o!
maIuriIy is payable ahd Ihe policy shall be IermihaIed.
However, you have Ihe SeIIlemehI OpIioh available Io you aI maIuriIy. Uhder
Ihis opIioh, you may choose Io Iake Ihe !uhd value ih ihsIallmehIs wiIhih 5
years !rom Ihe daIe o! maIuriIy. I! you choose Ihis opIioh, you will have Io bear
Ihe risks ihvolved ih Ihe UhiI-Lihked Fuhds.
1he li!e ihsurahce cover durihg Ihis period would hoI be applicable, ahd ih case
o! deaIh o! Ihe policyholder durihg Ihis period, Ihe !uhd value as oh IhaI daIe
shall be paid, ahd Ihe policy will be IermihaIed.
You have Ihe opIioh o!
parIial wiIhdrawal !rom your policy sub|ecI Io Ihe !ollowihg cohdiIiohs,
º 1he Persoh Ihsured compleIihg 18 years o! age.
º 1he mihimum amouhI o! parIial wiIhdrawal should be Rs 5, 000.
º 1he parIial wiIhdrawal is made ohly a!Ier 3 compleIed policy years.
PoIicy Anniversary Date LoyaIty Additions
Ih
7 Policy Ahhiversary DaIe 7%o! Ihe NeI Average Regular Premium
Ih
10 Policy Ahhiversary DaIe 18%o! Ihe NeI Average Regular Premium
for 10 year Coverage Term.
PoIicy Anniversary Date LoyaIty Additions
Ih
10 Policy Ahhiversary DaIe 10%o! Ihe NeI Average Regular Premium
Ih
15 Policy Ahhiversary DaIe 15%o! Ihe NeI Average Regular Premium
Ih
20 Policy Ahhiversary DaIe 35%o! Ihe NeI Average Regular Premium
for 20 year Coverage Term.
for Coverage Term 5 years. 1he mihimum Fuhd Value a!Ier Ihe ParIial
WiIhdrawal should be equal Io Ihe sum o! 120% o! Ihe Ahhualised Regular
Premium as applicable ahd Ihe applicable surrehder charges.
for Coverage Term 10 or 20 years. Ih each o! Ihe !ourIh ahd !i!Ih Policy Years,
ohly Iwo ParIial WiIhdrawals are allowed.
1he maximum amouhI o! each ParIial WiIhdrawal is resIricIed Io ohly 5% o!
Ihe Fuhd Value as oh daIe o! Ihe receipI o! Ihe requesI o! ParIial wiIhdrawal.
From Ihe 6Ih policy year, you cah make Iwo parIial wiIhdrawals compleIely
!ree o! charges ih a policy year.
1he Mihimum Fuhd Value a!Ier Ihe ParIial WiIhdrawal (allowed a!Ier Ihe !irsI
Ihree policy years)should be equal Io Ihe sum o! 120%o! Ahhualised Regular
Premium ahd Ihe applicable surrehder charges.
Lvery subsequehI parIial wiIhdrawal ih a policy year would be charged wiIh Rs
250, which shall be deducIed by cahcellaIioh o! uhiIs.
1he cahcellaIioh o! uhiIs !or Ihe purpose o! parIial wiIhdrawal shall !irsI be
dohe !rom Ihe !uhd value correspohdihg Io Ihe 1op-Up Premiums paid Iill Iheh.
You will have Ihe opIioh Io
apply !or surrehder o! your policy ohly a!Ier Ihe
compleIioh o! !irsI Ihree policy years, irrespecIive
o! Ihe choseh Coverage 1erm. Surrehder o! Ihe
policy shall IermihaIe Ihe policy ahd exIihguish all
your righIs, behe!iIs ahd ihIeresIs ih Ihe policy.
Oh seekihg surrehder o! Ihe policy, Ihe surrehder
value is payable, which aI all Iimes is equal Io Ihe
Fuhd Value less Ihe applicable surrehder charges.
Ih case o! ah uh!orIuhaIe deaIh o! Ihe Persoh Ihsured durihg Ihe
Coverage 1erm Ihe Compahy will pay Io Ihe homihee as !ollows:
i) I! Ihe deaIh o! Ihe Persoh Ihsured occurs be!ore Ihe aIIaihmehI o! age 60:
1he deaIh behe!iI payable will be Ihe higher o!
º 1he Fuhd Value or
º 1he Sum Assured less all ParIial WiIhdrawals, made ih accordahce wiIh Ihe
ParIial WiIhdrawal provisiohs durihg Ihe lasI 24 mohIhs precedihg Ihe
deaIh o! Ihe Persoh Ihsured.
ii) I! Ihe deaIh o! Ihe Persoh Ihsured occurs oh or a!Ier Ihe aIIaihmehI o!
age 60:
1he deaIh behe!iI payable will be Ihe higher o!
º 1he Fuhd Value or


Surrender bene!it.
Death ßene!it.
º Sum Assured less all ParIial WiIhdrawals made ih accordahce wiIh Ihe
ParIial WiIhdrawal provisiohs, durihg Ihe lasI 24 mohIhs immediaIely
precedihg Ihe daIe o! deaIh or all ParIial WiIhdrawals made ih accordahce
wiIh Ihe ParIial WiIhdrawal provisiohs posI aIIaihmehI o! age 60
whichever is higher.
However, i! Ihe age o! Ihe Persoh Ihsured aI deaIh is less Ihah 7 years, Iheh ohly
Ihe !uhd value would be payable as deaIh behe!iI. Ih case Ihe Persoh Ihsured
aged 7 years ahd above dies be!ore aIIaihihg ma|oriIy, Iheh Ihe 8ehe!iI
payable would be as per secIioh (i) o! DeaIh 8ehe!iI above. Ih case Ihe
Policyholder/ Policy Owher dies durihg Ihe mihoriIy period, Ihe Policy shall
cohIihue Io be ih!orce provided all due Premiums are paid over Ihe policy Ierm.
OIherwise, Ihe Policy will aIIracI Ihe relevahI clauses applicable !or
discohIihuahce o! premium.
You cah !urIher cusIomize your policy by
availihg Ihe !ollowihg riders aI Ihe Iime o! purchasihg Ihe policy
º AccidehI DeaIh 8ehe!iI Rider (117A011V01)
º CriIical Illhess Rider (117A012V01)
*
( lbd) - LasI 8irIhday
For !urIher deIails oh Riders please ask !or a separaIe Rider brochure ahd re!er
Io Ihe Rider charges ih Policy Charges secIioh.
Followihg are Ihe deIails o! Ihe charges ih MeI SmarI Cold
1he premium allocaIioh charge will be as
giveh ih Ihe !ollowihg Iable:
For Coverage 1erm o! 5 years:
AdditionaI protection bene!its.
A) Premium aIIocation charges.
PoIicy Charges
AccidehI DeaIh 8ehe!iI Rider
15 Years 55 Years 60 Years
(AD8R)
CriIical Illhess Rider (CI) 18 Years 55 Years 60 Years
Rider Mihimum Age Maximum Age Rider ceasihg
aI ehIry (lbd) aI ehIry (lbd) age (lbd)
AnnuaIized Premiums Year 1 Year 2-5
Less Ihah or 8.00% 2.00%
Lqual Io Rs.99,999
Lqual Io Rs.100,000 6.00% 2.00%
ahd less Ihah Rs.10,00,000
CreaIer Ihah 5.00% 2.00%
or equal Io Rs.10,00,000
(C) MortaIity charges.
(D) ßider Charge.
#
(E) fund Management charges .
MorIaliIy charge will be deducIed aI Ihe begihhihg o!
each mohIh by cahcellaIioh o! ah appropriaIe humber o! uhiIs aI Ihe relevahI
NeI AsseI Value.
MorIaliIy charge will be based oh Ihe aIIaihed Age o! Persoh Ihsured, CosI o!
Ihsurahce (CoI) ahd Ihe applicable Sum Assured.
1he calculaIioh meIhod will be as !ollows:
MorIaliIy Charge =(Sum aI Risk/1000) * CosI o! Ihsurahce (CoI)
1he Sum aI Risk is de!ihed as Ihe DeaIh 8ehe!iI (as de!ihed ih Ihe 8ehe!iIs
secIioh) mihus Ihe Fuhd Value ih Ihe UhiI AccouhI.
1he morIaliIy charge would be deducIed !rom Ihe UhiI-Lihked Fuhds ih
proporIioh Io respecIive Fuhd Values available ih each o! Ihe subscribed UhiI
Lihked Fuhds as oh Ihe due daIe o! deducIioh.
Sample mohIhly CosI o! Ihsurahce per 1000 sum aI risk is as below:
Rider charge(s) will be deducIed aI Ihe begihhihg o! each
mohIh by cahcellaIioh o! uhiIs.
Rider charge(s) will be based oh Ihe Age o! Persoh Ihsured, CosI o! Rider ahd
Ihe applicable Sum Assured.
Rider charge =(Rider Sum Assured/1000) * CosI o! Rider
1he rider charge would be deducIed !rom Ihe UhiI-Lihked Fuhds ih proporIioh
Io respecIive Fuhd Values available ih each o! Ihe subscribed UhiI-Lihked Fuhds
as oh Ihe due daIe o! deducIioh.
Sample mohIhly CosI o! Rider per 1000 sum ihsured !or male lives are as below:
1hese charges are ad|usIed while calculaIihg
Ihe NeI AsseI Value o! Ihe UhiI-Lihked Fuhds each day.
For Coverage 1erm o! 10 years:
For Coverage 1erm o! 20 years:
1he Premium AllocaIioh Charge !or 1op-Up Premium is 3.50%
1he Premium AllocaIioh Charge will be deducIed !rom each Regular/1op-Up
premium ahd Ihe balahce Premium will be used Io buy uhiIs ih Ihe appropriaIe
!uhd.
1he !ollowihg policy admihisIraIioh charge
would be deducIed by cahcellaIioh o! uhiIs oh a mohIhly basis aI Ihe begihhihg
o! each mohIh.
For Coverage 1erm o! 5 years:-
For a Coverage 1erm o! 10 years ahd 20 years:-
1he policy admihisIraIioh charge would be deducIed !rom Ihe UhiI-Lihked
Fuhds ih proporIioh Io respecIive Fuhd Values available ih each o! Ihe
subscribed UhiI-Lihked Fuhds as oh Ihe due daIe o! deducIioh.
However Ihe Compahy reserves Ihe righI Io ihcrease Ihis charge up Io a
maximum as speci!ied above wiIh prior clearahce !rom Ihe Ihsurahce
RegulaIory ahd DevelopmehI AuIhoriIy.
(ß) PoIicy administration charges.
AgelGender 20 years 30 years 40 years
Male 0.084646 0.097571 0.179167
Female 0.074650 0.096883 0.138100
ProIecIor 1.25%p.a 2.50% p.a
Preserver 1.25% p.a 2.50% p.a
8alahcer 1.50% p.a. 2.50% p.a
VirIue 1.75% p.a. 2.50% p.a.
MulIiplier 1.75% p.a. 2.50% p.a
fund Option Current Maximum
Age/ Rider 20 Years 30 Years 40 Years
AD8R 0.062500 0.062500 0.062500
CI 0.031792 0.072792 0.310708
MohIh 1 Rs.1,300 Rs.3,900
MohIh 2 ohwards Rs.100 Rs.300
Charges (fixed) Current Maximum
MohIh 1 Rs.540 Rs.3,600
MohIh 2 ohwards Rs.60 Rs.100
Charges (fixed) Current Maximum
AnnuaIized Premiums Year 1 Year 2-3 Year 4-5 Year 6-10
Less Ihah or 20.00% 4.00% 3.00% 2.00%
Lqual Io Rs.99,999
Lqual Io Rs.100,000 18.00% 4.00% 3.00% 2.00%
ahd less Ihah
Rs.10,00,000
CreaIer Ihah 12.00% 4.00% 3.00% 2.00%
or equal Io
Rs.10,00,000
AnnuaIised Premiums Year 1 Year 2-3 Year 4-5 Year 6-10 Year 11-20
Less Ihah or 22.00% 5.00% 4.00% 3.00% 2.00%
Lqual Io Rs.99,999
Lqual Io Rs.100,000 19.00% 5.00% 4.00% 3.00% 2.00%
ahd less Ihah
Rs.10,00,000
CreaIer Ihah 14.00% 5.00% 4.00% 3.00% 2.00%
or equal Io
Rs.10,00,000
#
Sub|ecI Io Ihe prevailihg Iax regulaIiohs ih Ihdia ahd ahy chahges Ihereih ih !uIure.
(f) Surrender charge.
(G) Svitching Charge.
(H) PartiaI WithdravaI Charge.
.
1he surrehder charge is applied oh Ihe Fuhd Value ahd is
based oh Ihe Coverage 1erm ahd Ihe humber o! premiums paid. Surrehders
are hoI permiIIed durihg Ihe !irsI Ihree years o! Ihe policy. A!Ier Ihe !irsI Ihree
policy years, Ihe !ollowihg surrehder charges are applicable.
For a Coverage 1erm o! 5 years:-
For a Coverage 1erm o! 10 years ahd 20 years:-
1he surrehder charge would be deducIed !rom Ihe Fuhd Value be!ore paymehI
o! Ihe same Io Ihe policyholder.
1he !irsI !our swiIches beIweeh !uhds ih a policy year
will be !ree o! ahy charge. Lach !urIher swiIch beIweeh Ihe !uhds ih a policy
year would be charged aI Rs.250. 1he swiIchihg charges will be deducIed !rom
Ihe amouhI swiIched ahd Ihe balahce amouhI will be used Io buy uhiIs.
However Ihe compahy reserves Ihe righI Io ihcrease Ihis charge up Io a
maximum o! Rs. 750 wiIh prior clearahce !rom Ihe Ihsurahce RegulaIory ahd
DevelopmehI AuIhoriIy.
1he !irsI Iwo parIial wiIhdrawals ih a policy
year will be !ree o! ahy charge. For each subsequehI parIial wiIhdrawal ih a
policy year, a charge o! Rs 250 would be levied. 1he parIial wiIhdrawal charge
will be deducIed !rom Ihe amouhI wiIhdrawh. However Ihe compahy reserves
Ihe righI Io ihcrease Ihis charge up Io a maximum o! Rs.750 wiIh prior clearahce
!rom Ihe Ihsurahce RegulaIory ahd DevelopmehI AuIhoriIy.
Number o! AnnuaIised PoIicy Year 4 PoIicy Year 5 PoIicy Year 6 PoIicy Year 7 & therea!ter
Premiums paid Surrender Charge as a % o! fund VaIue
Less Ihah Ohe 35% 35% 35% Nil
Premium Ahhualised
Ohe Ahhualised 35% 35% 35% Nil
Premium
1wo Ahhualised 25% 25% 25% Nil
Premiums
1hree Ahhualised 15% 10% 5% Nil
Premiums or more
(I) MisceIIaneous Charge.
Surrender VaIue.
free Look CanceIIation.
Discontinuance o! Premium.

1hese charges will be deducIed by cahcellaIioh o!
uhiIs. However Ihe compahy reserves Ihe righI Io ihcrease Ihis charge up Io a
maximum o! Rs. 750 wiIh prior clearahce !rom Ihe Ihsurahce RegulaIory ahd
DevelopmehI AuIhoriIy.
No surrehder value is payable durihg Ihe !irsI Ihree years o!
Ihe policy. A!Ier Ihe !irsI Ihree policy years, a surrehder charge is payable as
described above.
You have a period o! 15 days !rom Ihe daIe o! receipI
o! Ihe Policy documehIaIioh Io review Ihe Ierms ahd cohdiIiohs o! Ihis Policy. I!
you have ahy ob|ecIiohs Io ahy o! Ihe Ierms ahd cohdiIiohs, you have Ihe
opIioh Io reIurh Ihe Policy sIaIihg Ihe reasohs !or Ihe ob|ecIiohs ahd you shall
be re!uhded ah amouhI equal Io hoh- al l ocaIed premi ums
plus charges levied Ihrough cahcellaIioh o! uhiIs plus !uhd value aI Ihe daIe o!
cahcellaIioh sub|ecI Io deducIioh o! expehses Iowards medical examihaIioh,
sIamp duIy ahd proporIiohaIe risk premium !or Ihe period o! cover.
With in the !irst three poIicy years. I! ahy regular premium due wiIhih Ihe !irsI
Ihree policy years o! Ihe ihcepIioh o! Policy, remaihs uhpaid eveh a!Ier Ihe
grace period !rom Ihe daIe o! lasI uhpaid premium, Ihe behe!iI o! Ihe Sum
Assured ih Ihe policy will cease Io exisI ahd Ihe policy will lapse wiIh e!!ecI !rom
Ihe due daIe o! !irsI uhpaid premium. You cah apply !or reihsIaIemehI o! Ihe
lapsed policy wiIhih Iwo years !rom Ihe daIe o! Ihe !irsI uhpaid premium,
sub|ecI Io Ihe cohdiIiohs mehIiohed ih Ihe policy documehI.
Ih case o! Ihe deaIh o! Ihe Persoh Ihsured durihg Ihe Iime allowed !or
reihsIaIemehI o! a lapsed policy, Ihe Fuhd Value will be paid Io Ihe homihee.
A!ter at Ieast three poIicy years . I! Ihe due regular premium has beeh paid !or
aI leasI Ihree cohsecuIive policy years !rom Ihe ihcepIioh o! policy ahd
subsequehI regular premiums are uhpaid, you may reihsIaIe Ihe policy wiIhih
Iwo years !rom Ihe daIe o! !irsI uhpaid premium. Durihg Ihe period allowed !or
reihsIaIemehI, Ihe Policy shall be allowed Io cohIihue Io be ih!orce by levyihg
applicable charges.
AI Ihe ehd o! Ihe allowed period !or reihsIaIemehI, i! Ihe policy is hoI
reihsIaIed Ihe policy shall be IermihaIed by payihg Ihe Surrehder Value.
1he Policyholder is however ehIiIled Io submiI a wriIIeh hoIice Io Ihe Compahy
wiIhih Ihe period allowed !or Ihe reihsIaIemehI o! Ihe Policy opIihg Io
cohIihue Ihe Policy. 1he Compahy will cohIihue deducIioh o! applicable Policy
Charges ahd keep Ihe Policy ih !orce uhIil Ihe Fuhd Value does hoI !all below
Ihe amouhI equivalehI Io Ihe Sum o! ohe Ahhual Regular Premium o! Ihe 8asic
Plah ahd applicable Surrehder Charge.
1he compahy may charge Rs. 250 !or ahy maIerial
alIeraIioh ih Ihe cohIracI.
Other Provisions and Conditions
Number o! AnnuaIised PoIicy Year 4 PoIicy Year 5
Premiums paid Surrender Charge as a % o! fund VaIue
Less Ihah ohe Ahhualised 35% 35%
Premium
Ohe Ahhualised 35% 35%
Premium
1wo Ahhualised 25% 25%
Premiums
1hree Ahhualised Nil Nil
Premiums or more
Contract Termination.
Suicide CIause.
ßisks Inherent in the Unit-Linked funds.
I! Ihe policy is lapsed durihg Ihe !irsI Ihree policy years
ahd hoI reihsIaIed wiIhih Iwo years !rom Ihe daIe o! such lapse, Ihe policy
would be IermihaIed by payihg Ihe surrehder value as oh Ihe daIe o! expiry o!
Iwo years Io you.
A!Ier Ihe !irsI Ihree policy years, i! Ihe Surrehder Value ih Ihe UhiI AccouhI !alls
below 100% o! Ihe !irsI year's ahhualized premium aI ahy poihI o! Iime, Ihe
policy would be IermihaIed by payihg Ihe surrehder value as oh IhaI daIe
Io you.
1he cohIracI shall also be IermihaIed ohce all Ihe cohIracIual obligaIiohs have
beeh discharged.
Ih Ihe evehI Ihe Persoh Ihsured commiIs suicide, wheIher sahe
or ihsahe aI IhaI Iime, wiIhih !irsI Policy year !rom Ihe L!!ecIive daIe o! Policy or
Ihe daIe o! Ihe lasI reihsIaIemehI whichever is laIer, we shall hoI be liable Io
pay Ihe Sum assured, excepI re!uhdihg Ihe Fuhd Value.
Due Io Ihe haIure o! Ihe UhiI Lihked
Fuhds, Ihe Compahy does hoI guarahIee Ihe price o! Ihe UhiIs o! ahy o! Ihe
UhiI Lihked Fuhds o!!ered by iI.
1he Ihsured (ahd Ihe Policyholder, i! di!!erehI) is aware IhaI Ihe ihvesImehI ih
uhiIs is sub|ecI, ihIeralia (amohgsI oIhers), Io Ihe !ollowihg risks:
º 1he ihvesImehIs ih Ihe UhiIs are sub|ecI Io markeI ahd oIher risks ahd
Ihere cah be ho guarahIee IhaI Ihe ob|ecIives o! ahy o! Ihe UhiI Lihked
Fuhds will be achieved.
º 1he Fuhd Value o! each o! Ihe UhiI-Lihked Fuhd cah go up or dowh
depehdihg oh Ihe !acIors & !orces a!!ecIihg Ihe !ihahcial markeIs !rom
Iime Io Iime ihcludihg chahges ih Ihe geheral level o! ihIeresI raIes ahd
ihsured is respohsible !or his/her decisiohs.
º 1he pasI per!ormahce o! Ihe UhiI-Lihked Fuhd o! Ihe Compahy is hoI
hecessarily ihdicaIive o! Ihe !uIure per!ormahce o! ahy o! Ihese UhiI
Lihked Fuhds.
º
1he hames o! Ihe UhiI-
lihked Fuhds ahd Iheir ob|ecIives do hoI ih ahy mahher ihdicaIe Ihe qualiIy
o! Ihe !uhd, Iheir !uIure prospecIs or reIurhs
º All behe!iIs payable uhder Ihe policy are sub|ecI Io Ihe Iax laws ahd oIher
legislaIiohs/regulaIiohs as Ihey exisI !rom Iime Io Iime.
º Please khow Ihe associaIed risks !rom Ihe Fihahcial advisor or Ihe
ihIermediary
º Please re!er Ihe policy documehI !or !urIher deIails ahd risk !acIors
MeILi!e Ihdia Ihsurahce Compahy LimiIed is ohly Ihe hame o! Ihe
Ihsurahce Compahy ahd MeI SmarI Cold is ohly Ihe hame o! Ihe UhiI-
Lihked Li!e Ihsurahce cohIracI ahd does hoI ih ahy way ihdicaIe Ihe qualiIy
o! Ihe cohIracI, iIs !uIure prospecIs or reIurhs.
About Taxes
1ax behe!iIs uhder Ihis plah are available as
per Ihe provisiohs ahd cohdiIiohs o! Ihe
Ihcome 1ax AcI 1961 ahd are sub|ecI Io ahy
chahges made ih Ihe Iax laws ih !uIure. Please
cohsulI your Iax advisor !or advice oh Ihe
availabiliIy o! Iax behe!iIs !or Ihe premiums
paid ahd proceeds (i! ahy) received uhder Ihe
policy.
Please hoIe IhaI Service 1ax shall be
chargeable aI Ihe prevailihg raIe oh IhaI parI
o! premium as prescribed uhder Ihe prevailihg 1ax regulaIiohs. CurrehIly
Service 1ax is charged oh Ihe CosI o! Ihsurahce, Fuhd MahagemehI Charges,
Policy AdmihisIraIioh Charges, ahd Premium AllocaIioh Charges. Service 1ax
would be deducIed by cahcellaIioh o! applicable uhiIs !rom Ihe policy accouhI.
1he calculaIioh o! Ihe policy proceeds will be a!!ecIed Io IhaI exIehI. MeILi!e
reserves Ihe righI Io deducI uhiIs/collecI separaIely, ahy oIher Iaxes as may be
applicable ahd imposed by Ihe 1ax AuIhoriIies !rom Iime Io Iime.
Section 41 o! the Insurance Act, 1938 states.
(1) No persoh shall allow or o!!er Io allow, eiIher direcIly or ihdirecIly, as ah
ihducemehI Io ahy persoh Io Iake ouI or rehew or cohIihue ah ihsurahce ih
respecI o! ahy kihd o! risk relaIihg Io lives or properIy ih Ihdia, ahy rebaIe
o! Ihe whole or parI o! Ihe commissioh payable or ahy rebaIe o! Ihe
premium showh oh Ihe policy, hor shall ahy persoh Iakihg ouI or rehewihg
or cohIihuihg a policy accepI ahy rebaIe, excepI such rebaIe as may be
allowed ih accordahce wiIh Ihe published prospecIuses or Iables o! Ihe
ihsurer
(2) Ahy Persoh makihg de!aulI ih complyihg wiIh Ihe provisiohs o! Ihis secIioh
shall be puhishable wiIh !ihe which may exIehd Io !ive huhdred rupees.
Section 45 o! the Insurance Act, 1938 states.
"No policy o! li!e ihsurahce e!!ecIed be!ore Ihe commehcemehI o! Ihis AcI shall
a!Ier Ihe expiry o! Iwo years !rom Ihe daIe o! commehcemehI o! Ihis AcI ahd
ho policy o! li!e ihsurahce e!!ecIed a!Ier Ihe comihg ihIo !orce o! Ihis AcI shall
a!Ier Ihe expiry o! Iwo years !rom Ihe daIe oh which iI was e!!ecIed, be called ih
quesIioh by ah ihsurer oh Ihe grouhd IhaI a sIaIemehI made ih Ihe proposal !or
ihsurahce or ih ahy reporI o! a medical o!!icer, or re!eree, or !riehd o! Ihe
Persoh Ihsured, or ih ahy oIher documehI leadihg Io Ihe issue o! Ihe policy, was
ihaccuraIe or !alse, uhless Ihe ihsurer shows IhaI such a sIaIemehI was oh
Statutory Warning.
maIerial maIIer or suppressed !acIs which iI was maIerial Io disclose ahd IhaI iI
was !raudulehIly made by Ihe policy owher ahd IhaI Ihe owher khew aI Ihe
Iime o! makihg iI IhaI Ihe sIaIemehI was !alse or IhaI iI suppressed !acIs which
iI was maIerial Io disclose. Provided IhaI hoIhihg ih Ihis secIioh shall prevehI
Ihe ihsurer !rom callihg !or proo! o! age aI ahy Iime i! he is ehIiIled Io do so,
ahd ho policy shall be deemed Io be called ih quesIioh merely because Ihe
Ierms o! Ihe policy are ad|usIed oh subsequehI proo! IhaI Ihe age o! Ihe Persoh
Ihsured was ihcorrecIly sIaIed ih Ihe proposal."
is Ihe Premium payable by you accordihg Io Ihe mode o!
paymehI choseh by you ahd as speci!ied ih Ihe Schedule.
1hese are Ihe !uhds available Io you, Io ihvesI your
premiums.
1his is Ihe humber o! policy years, !or which Ihe policy
cohIihues. 1here are Ihree opIiohs o! Coverage 1erm- 5 years, 10 years ahd
20 years.
1his is Ihe pre-speci!ied Iime period !or
which you will have Io pay Ihe premiums. Lach coverage Ierm has iIs
respecIive premium paymehI Ierms.
1he NeI AsseI Value would be calculaIed as (MarkeI
value o! ihvesImehIs +/- Lxpehses ihcurred + CurrehI AsseIs + Accrued
Ihcome - CurrehI LiabiliIies ahd Provisiohs Fuhd MahagemehI Charge) /
(Number o! ouIsIahdihg uhiIs uhder Ihe relevahI UhiI-Lihked Fuhd) 1his is
Ihe price aI which you cah buy or sell Ihe uhiIs o! Ihe correspohdihg UhiI-
Lihked Fuhd.
GIossary
These de!initions vouId heIp you understand Met Smart GoId better,
º ßeguIar Premium.
º Unit-Linked funds.
º Coverage Term.
º Premium payment term (PPT).
º Net Asset VaIue (NAV).
º Sum Assured.
º fund vaIue.
º PoIicy Year.
1his is a mulIiple o! your ahhual regular premium. 1his is Ihe
amouhI IhaI provides you Ihe li!e ihsurahce behe!iI.
"Fuhd Value" is Ihe value o! aggregaIe humber o! ouIsIahdihg
uhiIs oh ahy day ih each UhiI-Lihked Fuhd allocaIed uhder Ihis Policy
mulIiplied by Iheir respecIive NeI AsseI Values applicable as oh IhaI day.
is measured !rom Ihe L!!ecIive DaIe o! Ihe Policy ahd is a
period o! Iwelve cohsecuIive calehdar mohIhs.
MeILi!e Ihdia Ihsurahce Compahy LimiIed (MeILi!e) is ah a!!iliaIe o! MeILi!e,
Ihc. ahd was ihcorporaIed as a |oihI vehIure beIweeh MeILi!e IhIerhaIiohal
Holdihgs, Ihc., 1he 1ammu ahd Kashmir 8ahk, M. Palloh|i ahd Co. PrivaIe
LimiIed ahd oIher privaIe ihvesIors. MeILi!e is ohe o! Ihe !asIesI growihg li!e
ihsurahce compahies ih Ihe couhIry. II serves iIs cusIomers by o!!erihg a rahge
o! ihhovaIive producIs Io ihdividuals ahd group cusIomers aI more Ihah 700
locaIiohs Ihrough iIs bahk parIhers ahd compahy-owhed o!!ices. MeILi!e has
more Ihah 55,000 Fihahcial Advisors, who help cusIomers achieve peace o!
mihd across Ihe lehgIh ahd breadIh o! Ihe couhIry. For more ih!ormaIioh
abouI MeILi!e, please visiI Ihe compahy's websiIe aI www.meIli!e.co.ih.
MeILi!e, Ihc., Ihrough iIs a!!iliaIes, reaches more Ihah 70 millioh cusIomers ih
Ihe Americas, Asia Paci!ic ahd Lurope. A!!iliaIed compahies, ouIside o! Ihdia,
ihclude Ihe humber ohe li!e ihsurer ih Ihe UhiIed SIaIes (based oh li!e ihsurahce
ih!orce), wiIh over 140 years o! experiehce ahd relaIiohships wiIh more Ihah 90
o! Ihe Iop ohe huhdred FOR1UNL 500® compahies. 1he MeILi!e compahies
o!!er li!e ihsurahce, ahhuiIies, auIomobile ahd home ihsurahce, reIail bahkihg
ahd oIher !ihahcial services Io ihdividuals, as well as group ihsurahce,
reihsurahce ahd reIiremehI ahd savihgs producIs ahd services Io corporaIiohs
ahd oIher ihsIiIuIiohs.
About MetLi!e