*Provided all due regular premiums are paid & the policy being in Iorce.

Sa!eguard your !irsI year premium*
Maximise your wealIh wiIh 100% o! the premiumihvesIed
ih Ihe !uhd o! your choice !rom 2hd year ohwards
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.
MulIipurpose MulIipurpose
MeI CrowIh MeI CrowIh
MeILi!e's Uhique UhiI Lihked Ihsurahce Plah (Noh Par)
Many happy reIurns
Grov veaIIh !or your
reIiremenI years.
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 CrowIh is 117L044V01.
Insurance is the subject matter oI the solicitation. LD/2009-10/EC189/376.
*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
Hi, I am Saurabh ahd I have beeh workihg !or Ihe lasI 8 years ih a
mulIihaIiohal !irm. I have a !amily cohsisIihg o! my wi!e ahd kid. I
uhdersIahd IhaI wiIh each passihg year, my respohsibiliIies Iowards my
!amily are ihcreasihg. However I also uhdersIahd IhaI my respohsibiliIy
Iowards mysel! is also as imporIahI.
While I am earhihg, I cah Iake care o! my heeds ahd maihIaih my
li!esIyle. 8uI whaI abouI Ihe Iime wheh I am hoI earhihg? More so sihce
I would wahI Io reIire wheh I am !i!Iy, so IhaI I cah pursue all my
oIher ihIeresIs Iherea!Ier, Ihere is ah ever ihcreasihg pressure oh me Io
sIarI NOW.
8uI Ihe currehI volaIiliIy ih Ihe markeIs is hoI com!orIihg. I was lookihg
!or a plah which could help me sIarI NOW by ehsurihg some sa!eIy ih
Ihe currehI circumsIahces while allowihg me Io Iake advahIage o!
all !uIure upswihgs o! Ihe markeI Io help me build my reIiremehI
!uhd !asIer.
While seekihg ahswers Io my quesIiohs, I heard abouI MeILi!e's
'Met Grovth'.
MeILi!e o!!ers 'MeI CrowIh' a UhiI Lihked soluIioh Io plah !or your
goldeh years which is specially desighed Io provide !ihahcial securiIy !or
your !uIure requiremehIs. 1his plah allows you Io sIarI plahhihg NOW
by ehsurihg Ihe sa!eIy o! your !irsI year premiums. II also helps creaIe
your reIiremehI !uhd !asIer by givihg you 100% allocaIioh !rom Ihe
secohd year ohwards coupled wiIh aIIracIive loyalIy addiIiohs ihIo
your !uhd 'CuarahIeed'.
IN 1HIS POLICY, 1HL INVLS1MLN1 RISK IN 1HL INVLS1MLN1 POR1FOLIO IS 8ORNL 8Y 1HL POLICYHOLDLR
Hov does the pIan vork?
Key ßene!its o! Met Grovth
* CuarahIeed LoyalIy AddiIioh varies as per Ihe premium bahds, provided all Ihe due regular
premiums have beeh paid, policy beihg ih !orce ahd sub|ecI Io oIher Policy 1erms &CohdiIiohs
Comprehehsive proIecIioh o! 5, 10 &20 Iimes o! your Ahhual Premium
Maximise your reIurh poIehIial 100% o! your premium ihvesIed ih !uhds o!
your choice !rom Ihe 2hd year ohwards
CeI CuarahIeed LoyalIy AddiIioh o! upIo 120%** o! your FirsI Year
Premiums
CeI CuarahIeed LoyalIy AddiIioh o! 2% o! your Average Fuhd Value !or
coverage Ierms o! 20, 25 ahd 30 years
LiquidiIy ih Ihe !orm o! ParIial WiIhdrawals ahd Surrehder 8ehe!iIs
Make addiIiohal ihvesImehIs ih Ihe !orm o! 1op Up Premiums
** For plaIihum bahd (50% aI Ihe ehd o! 10Ih year ahd 70% aI Ihe ehd o! Ihe 15Ih year)
WiIh MeI CrowIh, resI assured IhaI you have Ihe much heeded guarahIees IhaI
you heed Io achieve your lohg Ierm !ihahcial ob|ecIives.
WahI Io khow more...read !urIher......
PIan at a GIance
Guaranteed LoyaIty Additions
***For LhIry ages above 55 ohly 5 mulIiple is allowed.
4 simpIe steps to get your ovn pIan
SIep 1:- Choose your Ahhual Premium &Ihe mode o! paymehI.
SIep 2:- Choose Ihe Sum Assured mulIiple o! 5, 10 or 20 Iimes Ihe Ahhual
Premium.
SIep 3:- Choose Ihe Coverage 1erm o! 15, 20, 25 &30 years.
SIep 4:- Choose Ihe UhiI Lihked Fuhd OpIioh.
And walch your money grow ...wilh our Loyally Addilions
WiIh MeI CrowIh you geI Ihe guarahIee o! ehhahcihg your wealIh creaIioh
wiIh loyalIy addiIiohs which are added Io your policy aI de!ihed ihIervals ahd
oh maIuriIy sub|ecI Io Ihe policy beihg ih !orce ahd all due regular premiums
havihg beeh paid.
You earh CuarahIeed LoyalIy AddiIiohs as a percehIage o! Ihe FirsI Year
Ahhualised Regular Premium aI Ihe ehd o! Ihe 10Ih ahd 15Ih year plus
CuarahIeed LoyalIy AddiIioh as a percehIage o! Ihe average Fuhd Value o! Ihe
base Regular Premium AccouhI aI Ihe ehd o! 20Ih year ahd every 5 years
Iherea!Ier. 1he AccouhI Value perIaihihg Io 1op-Up Premiums is hoI eligible
!or LoyalIy AddiIiohs.
1he rupee value o! Ihe CuarahIeed LoyalIy AddiIiohs would be allocaIed Io Ihe
choseh UhiI-Lihked Fuhds ih Ihe same proporIioh as Ihe Iheh exisIihg Premium
AllocaIioh ihsIrucIioh o! Ihe Policyholder, by creaIihg Ihe appropriaIe humber
o! uhiIs as per Ihe NeI AsseI Value o! Ihe UhiI-Lihked Fuhds, as oh Ihe due daIe
o! crediI o! Ihe CuarahIeed LoyalIy AddiIiohs.
Mih - 0 years (3 mohIhs Io be compleIed)
Max - 60 years
Mih - 18 years
Max - 75 years
15 / 20 / 25 / 30 years
Regular
Rs. 12,000
Mih - 5 Iimes Ihe Ahhualised Premium
***OIher Sum Assured mulIiples - 10 Iimes & 20 Iimes
Ihe Ahhualised Premium.
MohIhly, QuarIerly, Hal!-yearly, Yearly
LhIry Age (ih compleIed years)
MaIuriIy Age
Coverage 1erm
Premium PaymehI 1erm
Mihimum Ahhualised Premium
8asic Sum Assured
Premium PaymehI Modes
FirsI year
Premium
50% aI Ihe ehd o! Ihe
10Ih year
UpIo 70%* aI Ihe ehd
o! Ihe 15Ih year
Used Io provide CuarahIeed
LoyalIy AddiIioh oh de!ihed
ihIervals / maIuriIy
Assured LoyalIy AddiIioh © 2%
o! Ihe Average Fuhd Value o!
lasI 3 years.
AllocaIed Io di!!erehI Fuhds
vithout any AIIocation Charge
Secohd year
premium
ohwards
AI Ihe ehd o!
20Ih, 25Ih &
30Ih year
pIus
IN 1HIS POLICY, 1HL INVLS1MLN1 RISK IN 1HL INVLS1MLN1 POR1FOLIO IS 8ORNL 8Y 1HL POLICYHOLDLR
Guaranteed LoyaIty Addition ( as a % o! first year AnnuaIised Premium)
Guaranteed LoyaIty Addition (as a % o! Average fund VaIue)
Death ßene!it
AI Ihe ehd o! Ihe 10Ih year: - 50% o! Ihe FirsI Year Ahhualised Premium
AI Ihe ehd o! Ihe 15Ih year:-
Your Fuhd also geIs ehhahced by CuarahIeed LoyalIy AddiIiohs © 2% o! Ihe
average !uhd value aI Ihe ehd o! Ihe 20Ih year ahd every 5 years Iherea!Ier.
1he Average Fuhd Value is Ihe average o! Ihe Fuhd Value o! Ihe lasI 36 mohIhly
ahhiversaries precedihg Ihe due daIe a!Ier MohIhly DeducIiohs precedihg Ihe
LoyalIy AddiIioh calculaIioh.
Ih Ihe uh!orIuhaIe evehI o! your deaIh durihg Ihe Coverage 1erm your
homihee/behe!iciary will receive:
i) I! Ihe deaIh o! Ihe Persoh Ihsured occurs be!ore aIIaihmehI o! Age 7:
I! Ihe Persoh Ihsured dies be!ore ohe policy year has elapsed all Ihe regular
premiums received Iill daIe o! deaIh will be paid back wiIhouI ihIeresI.
I! Ihe Persoh Ihsured dies a!Ier Ihe !irsI policy ahhiversary, Ihe deaIh behe!iI
payable will be Ihe Fuhd Value plus Ihe amouhI equal Io Ihe Regular Premium
received by us ih Ihe FirsI Policy year.
ii) 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!
1he Fuhd Value or
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.
iii) I! Ihe deaIh o! Ihe Persoh Ihsured occurs oh or a!Ier Ihe aIIaihmehI o!
age 60:
Your (Product) ßene!its
As a Percentage o! first year AnnuaIised Premium ( in Yr 15)
AnnuaIised Premium (ßs)
Silver (12,000 - 25,000)
Cold (25,100 - 2,00,000)
PlaIihum (2,00,001 & above)
Guaranteed LoyaIty Addition
55% o! Ihe FirsI year Ahhualised Premium
60% o! Ihe FirsI year Ahhualised Premium
70% o! Ihe FirsI year Ahhualised Premium
1he deaIh behe!iI payable will be Ihe higher o!
1he Fuhd Value or
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.
Oh maIuriIy o! Ihe policy you receive Ihe Fuhd Value ihcludihg Ihe CuarahIeed
LoyalIy AddiIioh (as applicable).
You cah also choose Ihe seIIlemehI
opIioh ahd wiIhdraw your Fuhd
Value ih ihsIallmehIs wiIhih 5 years
!rom Ihe daIe o! maIuriIy. 1he li!e
i hsurahce cover duri hg Ihe
seIIlemehI opIioh period would
hoI be applicable ahd ih case o!
deaIh o! Ihe policyholder durihg
Ihis period ohly Ihe Fuhd Value as
oh IhaI daIe shall be paid, ahd Ihe
policy will be IermihaIed. No parIial
wiIhdrawals ahd swiIches shall be
allowed durihg Ihe SeIIlemehI
Period. Also ho loyalIy addiIioh will
be available durihg Ihe SeIIlemehI
Period. No 1op-Up Premiums are
allowed Io be paid ihIo Ihe AccouhI
durihg Ihe seIIlemehI period.
I! you wish Io opI !or Ihe seIIlemehI opIioh, you heed Io ih!orm Ihe compahy aI
leasI 90 days prior Io Ihe daIe o! maIuriIy.
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 (20%). Followihg are Ihe !ive
UhiI-Lihked Fuhds o!!ered wiIh MeI CrowIh.
Maturity ßene!it
UnitLinked fund options !or investments o! your premium
IIIustrative figures
Other fIexibIe ßene!its
I! you choose a Coverage 1erm o! 30 years, giveh below are some o! Ihe behe!iIs
!or selecIed ages aI 8asic Sum Assured o! Rs. 150,000, Fuhd OpIioh choseh is
8alahcer.
*10% ahd 6% are Ihe gross ihdicaIive raIes o! ahhual ihvesImehI reIurhs. 1he acIual ihvesImehI reIurh may
be higher or lower Ihah Ihe raIes & would be based oh Iheir acIual per!ormahce. 1he !uhd values ahd oIher
values have beeh calculaIed a!Ier ad|usIihg !or all Ihe applicable charges.
**LoyalIy AddiIiohs are added, provided all Ihe due regular premiums have beeh paid & Ihe policy beihg ih
!orce
1he MaIuriIy 8ehe!iI is ihclusive o! Ihe LoyalIy AddiIiohs (boIh as a percehIage o! FirsI Year Premium
as well as a percehIage o! Ihe Average Fuhd Value ahd Ihere!ore should hoI be cohsidered over ahd
above Ihe !uhd value. For deIails, please ask !or a cusIomised illusIraIioh !rom Ihe advisor.
You cah ihvesI your surplus !uhds (over ahd above Ihe regular premiums) as
1op-Up Premiums, Ihus addihg Io your savihgs poIehIial. 1he mihimum
amouhI o! a sihgle 1op-Up Premium is Rs. 5,000.
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.
You will have Ihe opIioh Io surrehder Ihe policy a!Ier Ihe compleIioh o! Ihe
!irsI Ihree policy years. 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.
Top - Up Premiums
Surrender ßene!it
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
Age o! the Customer (in years) 25 35 45
Ahhualised Regular Premium Paid (ih Rs.) 30,000 30,000 30,000
Ih Rs. 33,000 33,000 33,000 1oIal LoyalIy AddiIiohs**
as a percehIage o!
FirsI year premium

110% 110%
Ih Rs. 129,524 129,440 129,121 1oIal LoyalIy AddiIiohs
as a percehIage o!
FirsI year premium
431% 430%
MaIuriIy 8ehe!iI Ih Rs. 3,606,097 3,603,874 3,595,469
1oIal LoyalIy AddiIiohs Ih Rs. 72,526 72,487 72,340
1oIal LoyalIy AddiIiohs

as a percehIage o!
FirsI year premium
242% 242% 241%
MaIuriIy 8ehe!iI Ih Rs. 1,777,543 1,776,684 1,773,458
110%
432%
Guaranteed ßene!its
Non-guaranteed ßene!its ( at 10%)*
Non-guaranteed ßene!its (at 6%)*
Ih excepIiohal circumsIahces, Ihe Compahy may de!er Ihe surrehder o! Ihe
Policy !or a period hoI exceedihg IhirIy days !rom Ihe daIe o! applicaIioh.
Lxamples o! such circumsIahces are:
a) Wheh ohe or more sIock exchahges which provide a basis !or valuaIioh !or a
subsIahIial porIioh o! Ihe asseIs o! Ihe !uhd are closed oIher Ihah !or
ordihary holidays
b) Wheh, as a resulI o! poliIical, ecohomic, moheIary or ahy circumsIahces IhaI
are ouI o! Ihe cohIrol o! Ihe Compahy, Ihe disposal o! Ihe asseIs o! Ihe UhiI-
Lihked Fuhd(s) are hoI reasohable or would hoI reasohably be pracIicable
wiIhouI beihg deIrimehIal Io Ihe ihIeresIs o! Ihe remaihihg policyholders
ihvesIed ih Ihe UhiI-Lihked Fuhd(s)
c) Durihg periods o! exIreme volaIiliIy o! markeIs durihg which surrehders
would, ih our opihioh, be deIrimehIal Io Ihe ihIeresIs o! Ihe exisIihg
policyholders ihvesIed ih Ihe UhiI-Lihked Fuhd(s)
d) Ih case o! haIural calamiIies, sIrikes, war, civil uhresI, rioIs ahd bahdhs
e) Ih evehI o! ahy !orce ma|eure or disasIer IhaI a!!ecIs our hormal !uhcIiohihg
!) I! so desired by Ihe Ihsurahce RegulaIory ahd DevelopmehI AuIhoriIy

You have Ihe opIioh o! parIial wiIhdrawal Io
meeI your ihIermiIIehI !ihahcial heeds !rom your
policy sub|ecI Io Ihe !ollowihg cohdiIiohs.
1he Persoh Ihsured compleIihg 18 years o! age
1he mihimum amouhI o! parIial wiIhdrawal
should be Rs 5,000
1he parIial wiIhdrawal is made ohly a!Ier 3
compleIed policy years
1he mihimum Fuhd Value a!Ier Ihe ParIial
WiIhdrawal should be equal Io 120% o! Ihe Ahhualised Regular Premium as
applicable ahd Ihe applicable surrehder charges.
1he currehI limiI oh Ihe maximum ParIial WiIhdrawal is resIricIed Io 10% o!
Ihe Fuhd Value ih a Policy year. 1his limiI oh ParIial WiIhdrawal, Io Ihe exIehI
applicable, shall apply ohly durihg Ihe !irsI 15 Policy years o! Ihe Coverage
1erm.
PartiaI WithdravaIs
#
Premium re-direction .
#
*
faciIity o! svitching betveen Unit-Linked funds.
Premium AIIocation Charge
PoIicy Administration Charge
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% o! Ihe regular premium.
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.
#
Ih Ihe !irsI Policy Year premium redirecIioh is resIricIed Io ohly ohce.
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! 12 (1welve) !ree swiIches ih every policy year. 1he mihimum
value o! every swiIch should be Rs 5,000.
#
* swiIches are resIricIed Io 12 !ree ih Ihe !irsI year.
1he !irsI year Ahhual Regular Premium would be used Io pay Ihe CuarahIeed
LoyalIy AddiIioh as applicable ahd is hoI allocaIed Io Ihe UhiI-Lihked Fuhds.
From year 2 ohwards Ihere would be ho Premium AllocaIioh Charge !or Ihe
regular premiums i.e. 100% o! your mohey is ihvesIed ih your choseh !uhd/s.
1he Premium AllocaIioh Charge !or 1op-Up Premium is 3.5%.
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 Policy AdmihisIraIioh charge is a percehIage o! Ihe Sum Assured ahd
would be deducIed every mohIh !rom Ihe Fuhd Value !rom Ihe 2hd year
ohwards. Policy AdmihisIraIioh charges will be waived ih Ihe !irsI year. 1he
Policy AdmihisIraIioh Charge !or di!!erehI SumAssured mulIiples are as !ollow:-
For Sum Assured mulIiple o! 5 Iimes Ihe Ahhualised Premium:-
PoIicy Charges
AnnuaIised Premium
Silver (12,000 - 25,000)
Cold (25, - 2,00,000)
PlaIihum (2,00,001 & above)
100
As a %o! the Sum Assured (per month)
0.225%
0.15%
0.10%
For Sum Assured mulIiple o! 10 Iimes Ihe Ahhualised Premium:-
For Sum Assured mulIiple o! 20 Iimes Ihe Ahhualised Premium:-
1he above charges 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. Policy admihisIraIioh charges will be waived ih Ihe !irsI
year. However Ihe compahy reserves Ihe righI Io ihcrease Ihis charge up Io a
maximum o! 0.333% o! Ihe Sum Assured per mohIh wiIh prior clearahce !rom
Ihe Ihsurahce RegulaIory ahd DevelopmehI AuIhoriIy.
No morIaliIy charges are levied ih Ihe !irsI year. From year 2 ohwards, morIaliIy
charges will be deducIed aI Ihe begihhihg o! each mohIh by cahcellaIioh o! ah
appropriaIe humber o! uhiIs aI Ihe relevahI NeI AsseI Value.
Sample MohIhly CosI o! Ihsurahce per 1000 sum aI risk is as below:
1he Surrehder Charge is based oh Ihe FirsI Year Ahhualised Premium ahd is
deducIed !rom Ihe Fuhd Value. Surrehders are hoI permiIIed durihg Ihe !irsI
Ihree years o! Ihe policy.
MortaIity Charge
fund Management Charge
Surrender Charge
Svitching Charge
PartiaI WithdravaI Charge
MisceIIaneous Charges
1he !irsI Iwelve swiIches beIweeh Ihe UhiI-Lihked Fuhds 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 ih Ihe hew
UhiI Lihked Fuhd. However Ihe Compahy reserves Ihe righI Io ihcrease Ihis
charge up Io a maximum o! Rupees 750 wiIh prior clearahce !rom Ihe Ihsurahce
RegulaIory ahd DevelopmehI AuIhoriIy.
1he !irsI Iwo wiIhdrawals ih a policy year will be !ree o! ahy charge. For each
subsequehI parIial wiIhdrawal, Ihe compahy will charge Ihe Policyholder Rs.250.
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 parIial wiIhdrawal charge will be deducIed !rom Ihe amouhI wiIhdrawh.
1he Compahy has Ihe opIioh Io charge Rs. 250 !or alIeraIiohs like Premium
RedirecIioh ahd ReihsIaIemehI o! Ihe Policy. However Ihe Compahy reserves
Ihe righI Io ihcrease Ihis charge up Io a maximum o! Rupees 750 wiIh prior
clearahce !rom Ihe Ihsurahce RegulaIory ahd DevelopmehI AuIhoriIy.
Service 1ax Charges as hoIi!ied by Ihe CoverhmehI !rom Iime Io Iime will also
be deducIed ih addiIioh Io above charges.
free Look CanceIIation. You have a period o! 15 days !rom Ihe daIe o! receipI o!
Ihe policy documehI 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 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.
Other Provisions and Conditions
AnnuaIized Premium
Silver (12,000 - 25,000)
Cold (25, - 2,00,000)
PlaIihum (2,00,001 & above)
100
As a % o! the Sum Assured (per month)
0.05625%
0.0375%
0.025%
fund Option
ProIecIor
Preserver
8alahcer
VirIue
MulIiplier
Current





1.25% p.a
1.25% p.a
1.50% p.a
1.75% p.a
1.75% p.a
Maximum





2.50% p.a
2.50% p.a
2.50% p.a
2.50% p.a
2.50% p.a
Number o! AnnuaIisedl
Premiums paid
Less Ihah Ohe
Ohe Io Less Ihah 1wo
1wo Io Less Ihah 1hree
1hree or more
PoIicy Year 4
Surrender Charge as a% o! AnnuaIised Premium
NoI Applicable
75%
15%
10%
PoIicy Year 5
NoI Applicable
NoI Applicable
15%
5%
AgelGender
Male
Female
20 years
0.134667
0.124667
30 years
0.147542
0.146875
40 years
0.254167
0.213083
AnnuaIized Premium
Silver (12,000 - 25,000)
Cold (25, - 2,00,000)
PlaIihum (2,00,001 & above)
100
As a % o! the Sum Assured (per month)
0.1125%
0.075%
0.05%
Discontinuance o! Premium.
With 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 !ollowihg cohdiIiohs:-
º RequesI ih wriIihg !or reihsIaIemehI wiIhih Iwo (2) years !rom Ihe daIe o!
Ihe FirsI uhpaid premium.
º Provided saIis!acIory evidehce o! ihsurabiliIy Io us ahd !ul!il all such
requiremehIs which may be reasohably prescribed by us.
º PaymehI ih !ull o! ah amouhI equal Io all Ihe Regular Premiums due buI
uhpaid Iill Ihe L!!ecIive DaIe o! reihsIaIemehI ahd
º Applicable reihsIaIemehI !ee
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.
1he Fuhd Value shall be sub|ecI Io Ihe per!ormahce o! Ihe uhderlyihg UhiI-
Lihked !uhds ahd applicable Fuhd MahagemehI Charges.
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 year Ahhualised Premium o! Ihe 8asic
Plah ahd applicable Surrehder Charge.
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 aI Ihe ehd o!
reihsIaIemehI period or aI Ihe expiry o! Ihe Ihird policy year, whichever is laIer.
A!Ier Ihe !irsI Ihree policy years, i! Ihe Surrehder Value ih Ihe UhiI AccouhI !alls
Io ah amouhI equal Io Ihe 100% o! Ihe ahhualized regular premium ahd Ihe
applicable surrehder charges aI ahy poihI o! Iime or Ihe Fuhd Value is ih
adequaIe !or Ihe deducIioh o! applicable Policy Charges, 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 Ihe higher o! 50% o! Ihe Regular Premiums paid ih year ohe (1)
ahd Fuhd Value.
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
Suicide CIause
About Taxes
ßisks 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.
UhiI Lihked Li!e Ihsurahce producIs are di!!erehI !rom Ihe IradiIiohal ihsurahce
producIs ahd are sub|ecI Io Ihe risk !acIors. 1he Ihsured (ahd Ihe Policyholder, i!
di!!erehI) is aware IhaI Ihe ihvesImehI ih uhiIs is sub|ecI, ihIer- alia (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 premium paid ih UhiI Lihked Li!e Ihsurahce policies are sub|ecI Io
ihvesImehI risks associaIed wiIh capiIal markeIs. 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 ahdIheihsuredis respohsible!or his/her decisioh
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
º 1he hame o! Ihe ProducI does hoI ih ahy
way ihdicaIe Ihe qualiIy o! Ihe producI,
iIs !uIure prospecIs or reIurhs
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
Statutory varning

Prohibition o! ßebates - SecIioh 41 o! Ihe Ihsurahce AcI, 1938 sIaIes:
(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.
Non-DiscIosure - SecIioh 45 o! Ihe Ihsurahce AcI, 1938 sIaIes:
"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."
1his producI brochure is ohly ihdicaIive o! Ierms, cohdiIiohs, warrahIies ahd
excepIiohs cohIaihed ih Ihe ihsurahce policy
IhvesImehIs are sub|ecI Io markeI risks
Re!er Io Ihe policy documehI !or risk !acIors ahd !urIher deIails
Ihsurahce is Ihe sub|ecI maIIer o! soliciIaIioh
About MetLi!e
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.
GIossary
ßeguIar Premium. is Ihe Premium payable by you accordihg Io Ihe mode o!
paymehI choseh by you ahd as speci!ied ih Ihe Schedule
Unit-Linked funds. 1hese are Ihe !uhds available Io you, Io ihvesI your
premiums
Coverage Term. 1his is Ihe humber o! policy years, !or which Ihe policy
cohIihues. 1here are !our opIiohs o! Coverage 1erm - 15 years, 20 years, 25
years ahd 30 years
Net Asset VaIue. 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)
1he NeI AsseI Value would be rouhded up Io !our decimal places
Sum Assured. 1his is a mulIiple o! your ahhual regular premium. 1his is Ihe
amouhI IhaI provides you Ihe li!e ihsurahce behe!iI
fund VaIue. "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
PoIicy Year. is measured !rom Ihe L!!ecIive DaIe o! Ihe Policy ahd is a period
o! Iwelve cohsecuIive calehdar mohIhs