PNB MetLife India Insurance Company Limited. (Insurance Regulatory and Development Authority Life Insurance Registration No.

117) Registered
Office: ‘Brigade Seshamahal’, 5, Vani Vilas Road, Basavanagudi, Bangalore - 560 004, www.pnbmetlife.co.in, Fax: +91-80-4150 6969

The Schedule – Met Dhan Samriddhi Unit Linked Life Insurance Plan (Non Par) UIN 117L074V02

SECTION 1
Policy Date of Issuing
Number Issue Office

1. Details of the Policyholder and Insured

Name of the Policyholder

Proof of identification Gender

Name of the Insured

Proof of identification Gender

Date of birth of the Insured

Whether age admitted Age

2. Policy Features
Plan of Insurance Met Dhan Samriddhi

Base Sum Assured (Rs.) Date of Maturity

Accidental Death Benefit
Rider Cover
Date of Commencement

Policy Term Premium Payment Term Single

3. Premium Summary
Base Sum Frequency of
Details of Coverage Duration of Coverage Premium
Assured payment
Start date End date INR INR
Base cover
Single

Total Single Premium*

* Total Premium is inclusive of service tax & extra premium (if any)

Customer Service Toll free: 1800-425-6969, OR Call on: +91 -80 -2650 -2244 (8:00 am to 8:00 PM)
Write to us at indiaservice@pnbmetlife.co.in
PNB MetLife India Insurance Company Limited. (Insurance Regulatory and Development Authority Life Insurance Registration No. 117) Registered
Office: ‘Brigade Seshamahal’, 5, Vani Vilas Road, Basavanagudi, Bangalore - 560 004, www.pnbmetlife.co.in, Fax: +91-80-4150 6969

The Schedule – Met Dhan Samriddhi Unit Linked Life Insurance Plan (Non Par) UIN 117L074V02
4. Investment Option

Unit Linked Funds & Protector II Preserver II Balancer II Flexi Cap Virtue II Multiplier II Total
allocation
proportion 100%

On death of the Insured prior to the Date of Maturity

Insured event upon
which benefits
Upon survival of the Insured on the Date of Maturity
payable
Please refer to the Policy Terms and Conditions for full details.

Special Provisions/
Automatic vesting of ownership option: Not Applicable
Options

5. Nominee Details
Relationship with the Policyholder
Name(s) of the Nominee
1)

6. Appointee Details (Only in case the Nominee is less than 18 years of age)

Appointee Name

Customer Service Toll free: 1800-425-6969, OR Call on: +91 -80 -2650 -2244 (8:00 am to 8:00 PM)
Write to us at indiaservice@pnbmetlife.co.in
 PNB MetLife India Insurance Company Limited. (Insurance Regulatory and Development Authority Life Insurance Registration No. 117) Registered
Office: ‘Brigade Seshamahal’, 5, Vani Vilas Road, Basavanagudi, Bangalore - 560 004, www.pnbmetlife.co.in, Fax: +91-80-4150 6969

The Schedule – Met Dhan Samriddhi Unit Linked Life Insurance Plan (Non Par) UIN 117L074V02
SECTION 2

1. Funds
The following are the six Unit Linked Funds offered with this Policy
Asset
Risk
Fund Name Investment Objectives Asset Category Allocation
Profile
Range (%)

Protector II Government and 60 - 100

To earn regular income by investing in
(ULIF00915/12/09PROTECTOR2117) other debt securities
high quality fixed income securities Low risk
Money market 0 - 40
instruments.^^

Government &
To generate income at a level consistent 60 - 100
Govt. Guaranteed
Preserver II with preservation of capital, through
Securities Very low
(ULIF00815/12/09PRESERVER2117) investments in securities issued or
risk
guaranteed by Central and State
Money market
Governments. 0-40
instruments^^

Government and 0 – 60
To generate capital appreciation and other debt securities
Balancer II current income, through a judicious mix Medium
0 – 60
(ULIF01015/12/09BALANCER2F117) of investments in equities and fixed Equities risk
income securities.
Money market 0 – 40
instruments^^

Flexi Cap To generate long-term capital Equities 60 -100

(ULIF01315/12/09FLEXICAPFN117) appreciation from an actively managed Very
portfolio of diversified stocks across the Money market high risk
market capitalization spectrum. 0 -40
instruments^^

Virtue II^ Equities 60 -100

To generate long term capital
(ULIF01215/12/09VIRTUE2FND117)
appreciation by investing in diversified Very
equities of companies promoting healthy Money market high risk
0 – 40
life style and enhancing quality of life. instruments^^

To generate long term capital

60 -100
Multiplier II appreciation by investing in diversified Equities Very
(ULIF01115/12/09MULTIPLIE2117) equities selected from S&P® CNX Nifty Money market High risk
0 - 40
Index** instruments^^
^The investments will not be made in the equities of companies that have businesses dealing with tobacco, alcohol etc
^^ Investment in money market instruments protects the Net Asset Value (NAV) from volatile market conditions

**The Product(s) are not sponsored, endorsed, sold or promoted by India Index Services & Products Limited ("IISL"). IISL does not make any representation or
warranty, express or implied, to the owners of the Product(s) or any member of the public regarding the advisability of investing in securities generally or in the
Product(s) particularly or the ability of the CNX Nifty Index to track general stock market performance in India. The relationship of IISL to the Issuer is only in
respect of the licensing of the Indices and certain trademarks and trade names associated with such Indices which is determined, composed and calculated by IISL
without regard to the Issuer or the Product(s). IISL does not have any obligation to take the needs of the Issuer or the owners of the Product(s) into consideration in
determining, composing or calculating the CNX Nifty Index. IISL is not responsible for or has participated in the determination of the timing of, prices at, or
quantities of the Product(s) to be issued or in the determination or calculation of the equation by which the Product(s) is to be converted into cash. IISL has no
obligation or liability in connection with the administration, marketing or trading of the Product(s).

IISL do not guarantee the accuracy and/or the completeness of the CNX Nifty Index or any data included therein and they shall have no liability for any errors,
omissions, or interruptions therein. IISL does not make any warranty, express or implied, as to results to be obtained by the Issuer, owners of the product(s), or any
other person or entity from the use of the CNX Nifty Index or any data included therein. IISL makes no express or implied warranties, and expressly disclaim all
warranties of merchantability or fitness for a particular purpose or use with respect to the index or any data included therein. Without limiting any of the foregoing,
IISL expressly disclaim any and all liability for any claims ,damages or losses arising out of or related to the Products, including any and all direct, special, punitive,
indirect, or consequential damages (including lost profits), even if notified of the possibility of such damages.

Customer Service Toll free: 1800-425-6969, OR Call on: +91 -80 -2650 -2244 (8:00 am to 8:00 PM)
Write to us at indiaservice@pnbmetlife.co.in
 PNB MetLife India Insurance Company Limited. (Insurance Regulatory and Development Authority Life Insurance Registration No. 117) Registered
Office: ‘Brigade Seshamahal’, 5, Vani Vilas Road, Basavanagudi, Bangalore - 560 004, www.pnbmetlife.co.in, Fax: +91-80-4150 6969

The Schedule – Met Dhan Samriddhi Unit Linked Life Insurance Plan (Non Par) UIN 117L074V02

An investor, by subscribing or purchasing an interest in the Product(s), will be regarded as having acknowledged, understood and accepted the disclaimer referred to
in Clauses above and will be bound by it.

SECTION 3

2. Schedule of Policy Charges

2.1. Premium Allocation Charge

This is a premium-based charge. After deducting this charge from Your Single Premium, the remainder is
invested to buy Units.

Policy Year Premium Allocation Charges

Year 1 3.5%

Year 2 and above NIL

3.2 Policy Administration Charges

The following policy administration charge would be deducted from the Single Premium Fund Value by cancellation of
Units.

Policy Year Policy Administration Charge (per month)

Year 1 onwards Rs. 100

The above charges will be deducted at the beginning of each Policy Month by cancellation of an appropriate
number of Units using the relevant Net Asset Value of these Units.

The Policy Administration Charge would be deducted from the Unit Linked Funds in proportion to respective
fund values available in each of the subscribed Unit Linked Funds as on the due date of deduction.

3.3 Fund Management Charge

These charges are levied daily while calculating the Net Asset Value of each Unit Linked Funds on each
Valuation Date.
Fund Fund Management Charge
Multiplier II 1.25% p.a.
Virtue II 1.25% p.a.
Flexi Cap 1.25% p.a.
Balancer II 1.15% p.a.
Preserver II 1.00% p.a.
Protector II 1.00% p.a.
Discontinued Policy Fund 0.50% p.a.

Customer Service Toll free: 1800-425-6969, OR Call on: +91 -80 -2650 -2244 (8:00 am to 8:00 PM)
Write to us at indiaservice@pnbmetlife.co.in
PNB MetLife India Insurance Company Limited. (Insurance Regulatory and Development Authority Life Insurance Registration No. 117) Registered
Office: ‘Brigade Seshamahal’, 5, Vani Vilas Road, Basavanagudi, Bangalore - 560 004, www.pnbmetlife.co.in, Fax: +91-80-4150 6969

The Schedule – Met Dhan Samriddhi Unit Linked Life Insurance Plan (Non Par) UIN 117L074V02

3.4 Switching Charge

The first 4 switches in a Policy Year are free of charge. For each subsequent switch in the same Policy Year
a Switching Charge of Rs. 250 will be levied. There will be no Switching Charges if switches are made
online through Our Policyholder Portal.

3.5 Mortality Charge

Mortality Charge will be deducted at the beginning of each Policy Month by cancellation of an appropriate
number of Units at the relevant Net Asset Value in proportion to the respective fund value of each of the
subscribed Unit Linked Funds on the date of deduction.

Mortality Charge will be based on the attained age of the Insured, Cost of Insurance (CoI) and the applicable
Base Sum Assured.

The calculation method will be as follows:

Mortality Charge = (Sum at Risk/1000) * Cost of Insurance (CoI)

The Sum at Risk is defined as the Death Benefit minus the Single Premium Fund Value in the
Unit Account.

3.6 Partial Withdrawal Charges

The first twelve (12) Partial Withdrawal in a Policy Year will be free of any charge. For each subsequent
Partial Withdrawal in the same Policy Year. We will charge You Rs. 250. The Partial Withdrawal Charge
will be deducted by cancellation of Units of appropriate value.

3.7 Miscellaneous Charge

We reserve the right to charge Rs. 250 for any of the following additional service requests. These charges
will be effected by canceling an appropriate number of Units at the relevant Net Asset Value in proportion to
the respective fund value of each of the subscribed Unit Linked Funds on the date of deduction:
(a) Change in name, date of birth, address or contact details of You or the Insured;

(b) Issue of duplicate Policy document on Your request;

(c) Change/updation of name or other particulars of Nominee/Appointee/assignee;

(d) Cheque bounce/cancellation of cheque/cancellation or fresh request for ECS;

(e) Re-dispatch of Policy document or other particulars due to incorrect or outdated address details
provided by You;

(f) Request for ad-hoc or additional Unit statements by You;

(g) Change in bank details/fund transfer requests;

Customer Service Toll free: 1800-425-6969, OR Call on: +91 -80 -2650 -2244 (8:00 am to 8:00 PM)
Write to us at indiaservice@pnbmetlife.co.in
PNB MetLife India Insurance Company Limited. (Insurance Regulatory and Development Authority Life Insurance Registration No. 117) Registered
Office: ‘Brigade Seshamahal’, 5, Vani Vilas Road, Basavanagudi, Bangalore - 560 004, www.pnbmetlife.co.in, Fax: +91-80-4150 6969

The Schedule – Met Dhan Samriddhi Unit Linked Life Insurance Plan (Non Par) UIN 117L074V02

(h) Change in amount or frequency or option during the period when the Settlement Option is in force.

3.8 Service Tax Charge

This charge as notified by the Government from time to time will be made by the cancellation of appropriate
number of Units at the relevant Net Asset Value. Service Tax is currently applied on all Policy Charges.
Service Tax on the Fund Management Charges would be calculated while calculating the Net Asset Value
of the Unit Linked Funds at each Valuation Date.

Note : We reserve the right to increase or decrease any of the above charges (except Premium Allocation
Charge and Mortality Charge) subject to prior approval from the Insurance Regulatory and Development
Authority and by sending You notice at least 30 days in advance.

Customer Service Toll free: 1800-425-6969, OR Call on: +91 -80 -2650 -2244 (8:00 am to 8:00 PM)
Write to us at indiaservice@pnbmetlife.co.in