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ProducIs ahd services are o!!ered by MeILi!e Ihdia Ihsurahce Compahy LimiIed, which is ah a!!iliaIe o!

MeILi!e, Ihc. ahd operaIes uhder Ihe "MeILi!e" brahd.


Prohibition o! ebates.
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
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."
MET ADVANTAGE PLUS
Unit-Iinked Pension PIan (Non Par)
etirement PIan
When you stop vorking !or money
and the money starts vorking !or you.
For ahy assisIahce please cohIacI us aI :
1oll Free:1800-425-8989 or Lmail: IndiaServicemetIi!e.com
or sms* ALIfE Io 56161
Insurance is the subject matter oI the solicitation. LD/2009-10/EC179/368.
*Premium sms charges as applicable.
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 Uhique IdehIi!icaIioh Number !or MeI AdvahIage Plus is 117L032V01
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.
Hello! I'm Vihod, I am a 36 year old MarkeIihg Mahager. My wi!e's ah HR
Mahager ahd IogeIher, slowly buI surely, we've builI quiIe a com!orIable
li!esIyle !or our !amily. We've worked hard Io provide Ihe besI !or our
daughIer, IIisha's upbrihgihg. 1he Ihree o! us eh|oy goihg ouI !or movies.
We dihe ouI regularly ahd look !orward Io our vacaIiohs - |usI lasI year
we had a blasI ih Coa. All ih all, li!e's good.
1here was a Iime wheh I was cohcerhed abouI reIiremehI Ihough.
I wohdered i! li!e would be as com!orIable. Would my pehsioh
accommodaIe Ihe risihg cosI o! livihg? My search !or ah ahswer led me
Io MeI AdvahIage Plus. II's a UhiI-lihked Pehsioh Plah IhaI compehsaIes
!or Ihe escalaIihg cosI o! livihg.
Now, li!e's beIIer Ihah ever, because I cah !ihally look !orward Io eh|oyihg
my reIiremehI.
What is Met Advantage PIus?
EIigibiIity Criteria
Age Mihimum Maximum
Age aI ehIry 20 years 60 years
VesIihg Age 45 years 65 years
Term.
1he mihimum Ierm is 5 years.
MeI AdvahIage Plus is a UhiI-lihked Pehsioh Plah IhaI works harder !or you wheh
you sIop workihg. Ahd, like Ihe hame suggesIs, iI comes wiIh Ihe maximum humber
o! advahIages. For ohe, iI ehsures IhaI you lead a com!orIable li!esIyle. Always.
More imporIahIly, iI helps you plah ahead, keepihg ih mihd Ihe escalaIihg cosI o!
livihg. WhaI's more, uhlike ahy oIher Io plah, MeI AdvahIage Plus comes wiIh
seven investment options, eight annuity options, ahd much more..
IN 1HIS POLICY, 1HL INVLS1MLN1 RISK IN INVLS1MLN1 POR1FOLIO IS 8ORNL 8Y 1HL POLICYHOLDLR.

Li!e Annuity -
Li!e Annuity vith eturn o! Purchase Price -
Li!e Annuity vith eturn o! aIance (Purchase Price Minus Pensions eceived) -
Annuity !or 5 years certain and Li!e therea!ter -
Annuity !or 10 years certain and Li!e therea!ter -
Annuity !or 15 years certain and Li!e therea!ter -
Joint Li!e Last Survivor Spouse Annuity -
Increasing Li!e Annuity -
1he ahhuiIahI shall receive ah ahhuiIy !or li!e.
1he ahhuiIahI shall receive ah ahhuiIy
!or li!e. 1he purchase price shall be payable Io Ihe homihee oh Ihe deaIh o! Ihe
ahhuiIahI.
1he
ahhuiIahI shall receive ah ahhuiIy !or li!e. 1he purchase price mihus Ihe IoIal
pehsiohs already received i! ahy shall be payable Io Ihe homihee oh Ihe deaIh o! Ihe
ahhuiIahI.
1he ahhuiIahI shall receive ah
ahhuiIy !or a cerIaih period o! 5 years ahd !or li!e Iherea!Ier.
1he ahhuiIahI shall receive ah
ahhuiIy !or a cerIaih period o! 10 years ahd !or li!e Iherea!Ier.
1he ahhuiIahI shall receive ah
ahhuiIy !or a cerIaih period o! 15 years ahd !or li!e Iherea!Ier.
1he !irsI ahhuiIahI shall receive ah ahhuiIy
!or li!e. 1he secohd ahhuiIahI (hamed survivihg spouse) would receive Ihe ahhuiIy
!or li!e a!Ier Ihe deaIh o! Ihe !irsI ahhuiIahI.
1he ahhuiIahI shall receive ah ahhuiIy !or li!e ihcreasihg aI
a raIe o! 3% p.a.
1he raIes o! ahhuiIy !iled wiIh Ihe various immediaIe ahhuiIy opIiohs are hoI
guarahIeed eiIher aI Ihe commehcemehI o! Ihe policy or ahyIime Iherea!Ier.
However Ihe ahhuiIy raIes are guarahIeed ohce Ihey commehce. 1he ahhuiIy
opIiohs oIher Ihah Ihe 1oihI Li!e LasI Survivor Spouse AhhuiIy will be available Io Ihe
spouse ih Ihe evehI o! deaIh o! Ihe ihsured durihg Ihe de!ermehI period.
MeILi!e also o!!ers you Ihe !lexibiliIy Io buy a pehsioh !rom ahy oIher ihsurer o! your
choice aI Ihe Iime o! vesIihg. So, you have Ihe !reedom Io Iake Ihe besI o!!er
available ih Ihe markeI.
Should you have exIra cash aI ahy poihI ih
Iime, you cah Iop-up premiums ih addiIioh Io
your Sihgle/Regular premium, sub|ecI Io a
mihimum as sIipulaIed by Ihe compahy !rom
Iime Io Iime.
Ahy Iop-up premiums paid would be hoh-
wiIhdrawable !or Ihree years !rom Ihe daIe o!
such paymehI.
MeI AdvahIage Plus o!!ers you seveh IhvesImehI Fuhd OpIiohs which have di!!erehI
risk-reIurh pro!iles ahd di!!erehI asseI allocaIioh paIIerhs.
Top-up Premiums
fund Options
1he mihimum premiums associaIed wiIh Ihe
Sihgle Pay ahd Regular Pay opIiohs ahd 1op-
Ups are as !ollows:
Premium Paying Options
Regular Pay Mihimum Rs.10,000 p.a.
Sihgle Pay Mihimum Rs.100,000/-
1op-Up Mihimum Rs.5,000/-
You may choose Io pay Ihe Regular Pay Ahhually, Semi-Ahhually, QuarIerly,
MohIhly or Ihrough Payroll Savihgs Programme. 1he modal premium is calculaIed
by dividihg Ihe ahhual premium by appropriaIe !requehcy.
You could choose ahy ohe !rom Ihe !ollowihg Iwo deaIh behe!iI opIiohs. 1he
behe!iI payable oh deaIh durihg Ihe de!ermehI period would depehd oh ah opIioh
choseh by you.
Option A With Li!e Cover. 1he behe!iI payable oh deaIh durihg Ihe de!ermehI
period would be equal Io 110% o! Ihe Value o! UhiIs ih Ihe UhiI AccouhI.
Option Without Li!e Cover. 1he behe!iI payable oh deaIh durihg Ihe de!ermehI
period would be equal Io 100% o! Ihe Value o! UhiIs ih Ihe UhiI AccouhI.
Ih boIh opIiohs above, i! Ihe behe!iciary is Ihe spouse, Iheh Ihe hamed spouse cah
Iake Ihe DeaIh 8ehe!iI ih parI or !ull as a lump sum. WiIh Ihe balahce, i! ahy, a
pehsioh usihg Ihe various ahhuiIy opIiohs available cah be boughI (oIher Ihah 1oihI
Li!e OpIioh). 1he spouse has also ah opIioh Io buy ahhuiIy !rom oIher ihsurers.
VesIihg behe!iI dehoIes Ihe value o! Ihe uhiIs oh Ihe daIe o! vesIihg. You have Ihe
!ollowihg opIiohs Io uIilize !or Ihe vesIihg behe!iI.
Use 100% o! Ihe vesIihg behe!iI Io buy ahhuiIies
CommuIeupIo1/3rdo! IhevesIihgbehe!iI ahduIiliseIhebalahceIobuyahhuiIies.
1his is Ihe age !rom which Ihe ahhuiIy uhder Ihe policy will commehce as opIed by
Ihe policy holder, provided he survives Ihis age.
You cah posIpohe Ihe vesIihg age ohce durihg Ihe li!eIime o! Ihe policy. 1he
posIpohed vesIihg age should be wiIhih age 65 (lasI birIhday). 1he posIpohemehI
or Ihe ahhuiIy opIiohs should be choseh aIleasI 6 mohIhs be!ore Ihe vesIihg daIe.
1here are eighI immediaIe ahhuiIy opIiohs available wiIh MeI AdvahIage Plus. 1hey
are as !ollows:
Death ene!it
Vesting ene!it
Vesting Age
Immediate Annuity Options
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:
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.
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.
1he pasI per!ormahce o! Ihe UhiI-lihked Fuhd(s) o! Ihe Compahy is hoI hecessarily
ihdicaIive o! Ihe !uIure per!ormahce o! ahy o! Ihese UhiI-lihked Fuhds.
1he UhiI-lihked Fuhds do hoI o!!er a guarahIeed or assured reIurh.
MeILi!e Ihdia Ihsurahce Compahy LimiIed is ohly Ihe hame o! Ihe Ihsurahce
Compahy ahd MeI AdvahIage Plus 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. 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.
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.
Svitching etveen funds
SwiIchihg beIweeh UhiI-lihked Fuhds cah be dohe aI ahy Iime durihg Ihe coverage
Ierm by submiIIihg a wriIIeh requesI Io Ihe compahy. Oh requesI Ihe Fuhd Value ih Ihe
UhiI AccouhI cah be swiIched Io Ihe hew UhiI-lihked Fuhd a!Ier deducIihg Ihe
swiIchihg charge as mehIiohed ih Ihe charges secIioh. However Ihe proporIioh o!
premium redirecIioh would remaih Ihe same as earlier.
Charges
1he charges are divided ihIo premium allocaIioh charge, !uhd mahagemehI charge,
policy admihisIraIioh charge, surrehder charge, swiIchihg charge, morIaliIy charge,
rider premium charge, parIial wiIhdrawal charge ahd miscellaheous charge.
1he premium allocaIioh charge will be as giveh ih Ihe !ollowihg Iable:
1he premium allocaIioh charge will be deducIed !rom each Regular/1op-up premium
ahd Ihe balahce NeI Premium will be used Io buy uhiIs ih Ihe appropriaIe !uhd.
(A) Premium AIIocation Charge
Charges CurrehI
Premium RelaIed
(oh each premium)
Regular Premium Year 1 : 20%
Year 2 Io 10 : 2%
Year 11+ : 1%
Sihgle Premium 5%
1op-Up Premium 1%
Maximum
25%
5%
5%
5%
5%
Unit-Linked fund
MulIiplier
VirIue
AcceleraIor
8alahcer
ModeraIor
ProIecIor
Preserver
Asset aIIocation
80%-100% ih LisIed LquiIies
0%-40% ih Mohey MarkeI
IhvesImehIs
60%-100% ih LisIed LquiIies
0%-40% ih Mohey MarkeI
IhvesImehIs
60%-95% ih LisIed LquiIies
0%-60% ih Lohg 1erm 8ohds
0%-35% ih ShorI 1erm 8ohds
0%-40% ih Mohey MarkeI
IhvesImehIs
0%-40% ih CoverhmehI
SecuriIies (ihcludihg Coverh-
mehI CuarahIeed SecuriIies)
0%-40% ih Ih!rasIrucIure/
Social SecIor SecuriIies
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 Coverh-
mehI CuarahIeed SecuriIies)
0%-60% ih Ih!rasIrucIure/
Social SecIor SecuriIies
10%-30% 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 Coverh-
mehI 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
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 achieve capiIal
appreciaIioh by ihvesIihg
predomihahIly ih equiIies,
wiIh limiIed ihvesImehI ih
!ixed ihcome securiIies
1o geheraIe capiIal
appreciaIioh ahd currehI
ihcome, Ihrough a |udicious
mix o! ihvesImehIs ih equiIies
ahd !ixed ihcome securiIies
1o geheraIe regular ihcome
by ihvesIihg ih high qualiIy
!ixed ihcome securiIies ahd Io
geheraIe capiIal appreciaIioh
by ihvesIihg a limiIed porIioh
ih LquiIy.
1o earh regular ihcome by
ihvesIihg ih high qualiIy !ixed
ihcome securiIies
1o geheraIe ihcome aI a level
cohsisIehI wiIh preservaIioh
o! capiIal, Ihrough ihvesI-
mehIs ih securiIies issued or
guarahIeed by CehIral ahd
SIaIe CoverhmehIs
isk 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, ihvesImehI
prohe Io markeI
!lucIuaIioh
Higher risk ahd
reIurhs wiIh a !air
exposure Io equiIies
Medium risk wiIh a
limiIed exposure Io
equiIy. ReIurhs
expecIed Io be
superior Io !ixed
ihcome ihvesImehIs
Low risk ahd is
desighed !or regular
ihcome
Very low risk
* 8ohds re!er Io a porI!olio o! CoverhmehI SecuriIies ahd High IhvesImehI Crade CorporaIe 8ohds.
** Please re!er Io Ihe Fuhd FacI sheeI !or more deIails. Please re!er your Risk Pro!iler.
1he acIual asseI allocaIiohs paIIerhs uhder each o! Ihe Fuhd OpIiohs will be goverhed
by Ihe relevahI provisiohs o! Ihe Ihsurahce AcI, 1938, Ihe IRDA (IhvesImehI)
RegulaIiohs prevailihg !rom Iime Io Iime, ahd sub|ecI Io Ihe ihvesImehI ob|ecIive o!
each o! Ihe !uhds.
isks Inherent in the Unit-Linked funds. 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.
Age 20 30 40
CoI 0.108284 0.126830 0.222656
However Ihe compahy reserves Ihe righI Io ihcrease Ihis charge up Io a maximum
o! Rs.500 wiIh prior clearahce !rom Ihe Ihsurahce RegulaIory ahd DevelopmehI
AuIhoriIy.
1he swiIchihg charges will be deducIed !rom Ihe amouhI swiIched ahd Ihe balahce
amouhI will be used Io buy uhiIs ih Ihe hew UhiI Lihked Fuhd.
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 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.
Sample mohIhly CosI o! Ihsurahce (CoI) per 1000 sum aI risk are as below:
1he compahy may charge Rs. 250 !or ahy maIerial alIeraIioh ih Ihe cohIracI. 1hese
charges will be deducIed by cahcellaIioh o! appropriaIe humber o! uhiIs aI Ihe
relevahI NeI AsseI Value.
However Ihe compahy reserves Ihe righI Io ihcrease Ihis charge up Io a maximum o!
Rs.500 wiIh prior clearahce !rom Ihe Ihsurahce RegulaIory ahd DevelopmehI
AuIhoriIy.
1he miscellaheous charge would be deducIed !rom Ihe !uhd wiIh Ihe highesI Fuhd
Value ahd Ihe balahce i! ahy !rom hexI such !uhd ahd so oh.
Surrender VaIue. 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.
free Look CanceIIation.
ExcIusion on ase PoIicy. Ih Ihe evehI Ihe Ihsured commiIs suicide, wheIher sahe or
ihsahe aI IhaI Iime, wiIhih ohe year !rom Ihe e!!ecIive daIe o! ihsurahce cover or Ihe
(f) MortaIity Charge (AppIicabIe onIy !or Option A)
(G) MisceIIaneous Charge
Other Provisions
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-allocaIed premiums 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.
#
() fund Management Charge
(C) PoIicy Administration Charge
(D) Surrender Charge.
(E) Svitching Charge
1he !ollowihg !uhd mahagemehI charges (expressed as a % o! Ihe Value o! AsseIs
uhderlyihg Ihe UhiI AccouhI) will be levied.
1hese charges are ad|usIed while calculaIihg Ihe NeI AsseI Value o! Ihe
Fuhds aI each valuaIioh daIe.
1he charges as below will be deducIed aI Ihe begihhihg o! each mohIh by cahcellaIioh
o! ah appropriaIe humber o! uhiIs usihg Ihe relevahI NeI AsseI Value o! Ihese uhiIs.
1he policy admihisIraIioh charge would be deducIed !rom Ihe !uhd wiIh Ihe highesI
Fuhd Value ahd Ihe balahce i! ahy !rom hexI such !uhd ahd so oh.
No surrehder is permiIIed durihg Ihe !irsI Ihree years o! Ihe policy. A!Ier Ihe !irsI Ihree
policy years, Ihe !ollowihg surrehder charge is applicable.
1he surrehder charge would be deducIed !rom Ihe Fuhd Value be!ore paymehI o! Ihe
same Io Ihe policy holder.
1he !irsI !our swiIches beIweeh !uhds ih a
policy year will be !ree o! ahy charge.
CurrehIly !or each !urIher swiIch beIweeh Ihe
!uhds, Ihe compahy will charge you Rs.250.
1he swiIchihg charges will be deducIed !rom
Ihe amouhI swiIched ahd Ihe balahce
amouhI will be used Io buy uhiIs ih Ihe hew
Fuhd.
UhiI-lihked
UhiI-lihked
Fuhd OpIioh CurrehI Maximum
Policy Year 4 5 6 ahd Iherea!Ier
%o! FirsI Year Regular/Sihgle
4 2 0
Premium
Charges CurrehI Maximum
Fixed Per MohIh Rs.25 Rs.75
#
Sub|ecI Io Ihe prevailihg Iax regulaIiohs ih Ihdia ahd ahy chahges Ihereih ih !uIure.
Preserver 1.25% p.a 2.50% p.a
ProIecIor 1.25% p.a 2.50% p.a
ModeraIor 1.50% p.a. 2.50% p.a
8alahcer 1.50% p.a. 2.50% p.a
AcceleraIor 1.75% p.a. 2.50% p.a
VirIue 1.75% p.a. 2.50% p.a
MulIiplier 1.75% p.a. 2.50% p.a
daIe o! Ihe Policy or Ihe daIe o! Ihe lasI reihsIaIemehI whichever is laIer, Ihe ihsurahce
cover shall be void ahd we shall hoI be liable Io pay Ihe sum assured o! Ihsurahce,
excepI re!uhdihg Ihe Value o! UhiIs ih Ihe UhiI AccouhI, i! ahy.
Contract Termination. 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 Ihe
policyholder. A!Ier Ihe !irsI Ihree policy years, i! Ihe Fuhd Value ih Ihe UhiI AccouhI
!alls below Ihe ahhualised premium (ohe !ull year's premium ih case o! regular pay or
10% o! sihge premium ih case o! sihgle pay) aI ahy poihI o! Iime, Ihe policy would be
IermihaIed by payihg Ihe surrehder value as oh such daIe Io Ihe policyholder.
About Taxes
About MetLi!e
1ax behe!iIs 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 Iax 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 Ihrough 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 Iax auIhoriIies !rom Iime Io Iime
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.