wWwcGm mycvi

fvebvnxb fwel¨Z Ges

DbœZ Rxe‡bi Rb¨ GKwU
Rxebexgv cwjwm
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fvebvnxb fwel¨Z Ges DbœZ Rxe‡bi
Rb¨ GKwU Rxebexgv cwjwm

Avgiv mevB Rxe‡b mvdj¨ PvB; PvB wb‡Ri Ges cwiev‡ii cÖ‡Z¨‡Ki Rxe‡bi myi¶v wbwðZ
Ki‡Z| wKš‘ Rxe‡b Pjvi c‡_ mvd‡j¨i cvkvcvwk bvbviKg Sywu KI P‡j Av‡m Ges Avcbv‡K
Sywu Ki GB AwbwðZ Ges AcÖZ¨vwkZ P¨v‡jÄ †gvKv‡ejvi Rb¨ cÖ¯Z
‘ _vK‡Z nq| Avgiv eywS,
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cwiw¯’wZ †gvKv‡ejvi Rb¨ Avcbvi `iKvi GKwU mnR Ges mvkÖqx Avw_©K cwiKíbv hvi d‡j
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†gUjvBd Avcbvi Rb¨ wb‡q G‡m‡Q wWwcGm mycvi hv Avcbvi Rxe‡bi wewfbœ ¯^ccœ i~ ‡Y mnvqZv
Ki‡e Ges Avcbvi cwievi‡K Avw_©K myi¶v w`‡e| Avcbvi eZ©gvb‡K ïay myiw¶Z ivLvB bq,
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myiw¶Z ivL‡Z GwU n‡Z cv‡i Avcbvi Rb¨ GKwU mwVK exgv cwjwm|

wWwcGm mycv‡ii g~j myweavmg~n

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wbivcËv wbivcËv myweav †¶‡Î myweav
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cwjwm PjvKvjxb mg‡q, Avcbvi AvKw¯§K AbvKvw•¶Z g„Zy¨i †¶‡Î wWwcGm mycvi Avcbvi
cwievi‡K Avw_©Kfv‡e myiw¶Z ivL‡Z mnvqZv Ki‡e| wWwcGm mycvi-Gi mv‡_ Avcwb Avcbvi cQ›`
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 `yNU© bvRwbZ AwZwi³ wbivcËv

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n‡Z cv‡i|

 †gqv`c~wZ© g~j¨
cwjwmi †gqv`c~wZ©‡Z †Kvb `vq _vK‡j Zv we‡qvRb K‡i Avcbvi A¨vKvD›U g~‡j¨i 100%
†gqv`c~wZ© g~j¨ wn‡m‡e cv‡eb|

 wcÖwgqvg gIKzd myweav

cwjwm PjvKvjxb mg‡q `yN©Ubv wKsev Amy¯’Zvi Kvi‡Y Avcwb hw` lvU (60) eQ‡ii g‡a¨ ¯’vqx I
m¤ú~Y© A¶g n‡q c‡ob Zvn‡j Avcbv‡K cwjwmi Aewkó †gqv‡` Avi †Kv‡bv wcÖwgqvg cÖ`vb Ki‡Z
n‡e bv| †gUjvBd Avcbvi n‡q mg¯Í wcÖwgqvg cÖ`vb Ki‡e|

 gvivZ¥K Amy¯Z
’ vi †¶‡Î myweav
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g~‡j¨i 50% A_ev 100% (Avcbvi eqm, cwiK‡íi †gqv` Ges cQ›` Abyhvqx) Avw_©K myweav
cÖ`vb Kiv n‡e| gvivZ¥K Amy¯’Zvi †¶‡Î GB Avw_©K myweavi cwigvY m‡e©v”P 20 j¶ UvKv ch©šÍ n‡Z
cv‡i|

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K¨vÝvi (Z¡‡Ki K¨vÝvi e¨ZxZ) ü`agbxi Ab¨vb¨ ¸iæZi †ivM
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AwZwi³ mgq

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FY myweav

Avcwb cwjwmi Aax‡b F‡Yi Rb¨ Av‡e`b Ki‡Z cvi‡eb hvi

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evsjv‡`‡ki AvBb Abyhvqx Avcwb AvqK‡ii cÖ‡hvR¨ Ki myweav/

Ki Ae¨nwZi Rb¨ g‡bvbxZ n‡eb hv mg‡qi mv‡_ cwiewZ©Z n‡Z
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Avcbvi exgv Pvwn`v c~i‡Yi Rb¨ wWwcGm mycv‡i Av‡Q wZbwU wfbœ cwiKí †_‡K cQ›` Abyhvqx cwiKí
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cwiKí I myweavmg~n †Mvì wmjfvi †eªvÄ
1 1
Rxeb exgv wbivcËv √ √ √2

`yN©UbvRwbZ AwZwi³ wbivcËv √ √ √

†gqv`c~wZ© g~j¨ √ √ √
gvivZ¥K Amy¯’Zvi †¶‡Î myweav √

wcÖwgqvg gIKzd myweav √

1. †Kv‡bv e‡Kqv bv _vK‡j, g„Zy¨Kv‡j A¨vKvD›U g~j¨ A_ev AwfwnZ g~‡j¨i g‡a¨ †hwU †ewk †mwU cÖ`vb Kiv n‡e
2. †Kv‡bv e‡Kqv bv _vK‡j, g„Zy¨Kv‡j A¨vKvD›U g~j¨ A_ev cwi‡kvwaZ wcÖwgqv‡gi g‡a¨ †hwU †ewk †mwU cwi‡kva Kiv n‡e

GK bR‡i wWwcGm mycvi

Av‡e`b Kivi eqm me©wbgœ: 18 eQi m‡e©v”P: 54 eQi

cwiK‡íi †gqv`c~wZ©i eqm m‡e©v”P: 74 eQi
cwiKímg~n †Mvì, wmjfvi, †eªvÄ
m‡e©v”P: MÖvnK †h‡Kv‡bv cwigvb exgv myweavi Rb¨
Av‡e`b Ki‡Z cvi‡eb Z‡e e¨w³i m‡e©v”P
AwfwnZ g~j¨ me©wbgœ: 100,000 UvKv
Aby‡gv`b‡hvM¨ cwigvY †Kv¤úvwbi AewjLb
bxwZgvjv mv‡c‡¶ wba©vwiZ n‡e|

gvivZ¥K Amy¯’Zvi †¶‡Î

Avw_©K myweav m‡e©v”P: 2,000,000 UvKv
(ïay †Mvì cwiK‡íi Rb¨ cÖ‡hvR¨)

exgvi †gqv` me©wbgœ: 5 eQi m‡e©v”P: 20 eQi

wcÖwgqv‡gi aib evwl©K / Aa©-evwl©K / ˆÎgvwmK /gvwmK
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wcÖwgqv‡gi cwigvY
me©wbgœ (12,000 UvKv/6,000 UvKv/3,000 UvKv/1,000 UvKv)

gvivZ¥K Amy¯’Zvi †¶‡Î Avw_©K myweav Ges wcÖwgqvg gIKz‡di myweav 60 eQi
cwiK‡íi wewfbœ
eq‡m Aemvb n‡e| `yN©Ubvi RwbZ AwZwi³ wbivcËv 65 eQi eq‡m Aemvb
wbivcËvi Aemv‡bi mgq
n‡e|

gvivZ¥K Amy¯’Zv: m¤ú~iK Pyw³ Kvh©Ki nIqvi ZvwiL A_ev me©‡kl exgv
A‡c¶gvb mgq
wbivcËvi ïiæi ZvwiL GB `ywUi g‡a¨ †hwU c‡i N‡U †mB ZvwiL n‡Z 180 (GKkZ
(ïay †Mvì cwiK‡íi Rb¨ cÖ‡hvR¨)
Avwk) w`b|

 †gqv`c~wZ©i c~‡e© cwjwm cÖZ¨c©Y Kiv n‡j wbgœwjwLZ PvR© cÖ‡hvR¨ n‡e-

cÖZ¨c©YRwbZ PvR© (A¨vKvD›U g~‡j¨i kZvsk)

cwjwm eQi
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1 100 100
cÖZ¨c©Y PvR© 2 50 50
3 25 25
4 15 15
5 k~b¨ 10
6 Ges Z`~aŸ© k~b¨ k~b¨

 GQvov cÖZ¨c©Y ev AvswkK cÖZ¨vnv‡ii †¶‡Î 300 UvKv cÖwµqvKiY wd wnmv‡e

KZ©b Kiv n‡e

 wcÖwgqvg m¤úwK©Z e¨q¸wj wbgœwjwLZ nv‡i Avcbvi wcÖwgqvg †_‡K †K‡U †bqv
n‡e-

e¨q (wcÖwgqv‡gi kZvsk)

cwjwm eQi
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1 31.25 50
Ab¨vb¨ PvR©mg~n 2 k~b¨ 15
3 Ges Z`~aŸ© k~b¨ k~b¨

 gvwmK cÖkvmwbK LiP eve` 50 UvKv KZ©b Kiv n‡e

 Avcbvi cQ›`gvwdK exgv wbivcËvi Dci wfwË K‡i gvwmK exgv LiP KZ©b
Kiv n‡e
 Avcbvi wewb‡qvMjä Avq †_‡K wewb‡qvM m¤úwK©Z LiP¸‡jv KZ©b Kiv n‡e
 GB cwjwmwU Kxfv‡e KvR K‡i

wWwcGm mycv‡ii g~jZ `ywU g~j Dcv`vb i‡q‡Q- †gqv`c~wZ©‡Z bM` Avw_©K g~j¨ myweav Ges exgvcÖnxZvi
g„Zy¨RwbZ, A½nvwb, A¶gZv, gvivZ¥K Amy¯’Zv Ges wcÖwgqvg gIKz‡di †¶‡Î Avw_©K myweav (gvivZ¥K
Amy¯’Zv Ges wcÖwgqvg gIKz‡di myweav ïaygvÎ wWwcGm †Mvì Gi †¶‡Î cÖ‡hvR¨)| wba©vwiZ PvR©/LiP
†K‡U †bqvi ci Avcbvi wcÖwgqvg¸‡jv wba©vwiZ †µwWwUs my‡`i nvi AR©‡bi Rb¨ mÂq A¨vKvD›U G
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Ki‡Z cvi‡eb| gvivZ¥K Amy¯’Zv Ges wcÖwgqvg gIKz‡di myweavi Rb¨ AwZwi³ wcÖwgqvg cÖ‡hvR¨ n‡e|

GKwU mwPÎ D`vniY

GB Avw¼K D`vniY Ges †Uwe‡ji gva¨‡g, wbw`©ó wKQy gvcKvwV a‡i wWwcGm mycv‡ii Avw_©K myweavw`i
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mycv‡ii exgvi myweavmg~n Ges cÖ‡¶wcZ †gqv`c~wZ©i g~j¨mg~n †`Lv‡bv n‡jv|

†Uwe‡j cÖ`wk©Z D`vniYmg~n PviwU wfbœ †gqv‡`i Rb¨ †`Lv‡bv n‡q‡Q- 5, 10, 15 Ges 20 eQ‡ii
Rb¨| evwl©K wcÖwgqvg 60,000 UvKv aiv n‡q‡Q Ges a‡i †bqv n‡q‡Q †h cwjwmMÖnxZv wbqwgZ evwl©K
wfwˇZ wcÖwgqvg cwi‡kva Ki‡eb| D`vniY¯^iƒc, wb‡Pi †Uwe‡j †gqv`c~wZ©i g~‡j¨ A¨vKvD›U g~‡j¨i
Dci †µwWwUs my‡`i nvi 5% aiv n‡q‡Q| cwjwmMÖnxZvi eqm 35 eQi aiv n‡q‡Q|
 †Mvì myweavmg~n
†gqv` †gvU wcªwgqvg Rxebexgv wbivcËv `yN©UbvRwbZ cÖ‡¶wcZ †gqv`c~wZ© g~j¨ 5% gvivZ¥K
(cwi‡kva †hvM¨)* (AwfwnZ g~j¨)** AwZwi³ †µwWwUs my‡`i nv‡i (wm AvB Amy¯’Zvi †¶‡Î
wbivcËv Avi) wcÖwgqvg cÖ`v‡bi myweav
aiY- evwl©K
5 300,000 283,473 566,946 298,002 283,473
10 600,000 564,069 1,128,138 684,974 564,069
15 900,000 829,876 1,659,752 1,102,513 829,876
20 1,200,000 1,081,666 2,163,332 1,631,913 1,081,666
wmjfvi myweavmg~n
†gqv` †gvU wcÖwgqvg Rxebexgv wbivcËv `yN©UbvRwbZ cÖ‡¶wcZ †gqv`c~wZ© g~j¨ 5% gvivZ¥K
cwi‡kva †hvM¨ (AwfwnZ g~j¨)** AwZwi³ †µwWwUs my‡`i nv‡i (wm AvB Amy¯’Zvi †¶‡Î
wbivcËv Avi) wcÖwgqvg cÖ`v‡bi myweav
aiY- evwl©K
5 300,000 300,000 600,000 315,575 cÖ‡hvR¨ bq
10 600,000 600,000 1,200,000 729,106 cÖ‡hvR¨ bq
15 900,000 900,000 1,800,000 1,196,823 cÖ‡hvR¨ bq
20 1,200,000 1,200,000 2,400,000 1,812,746 cÖ‡hvR¨ bq
†eªvÄ myweavmg~n
†gqv` †gvU wcªwgqvg Rxebexgv `yN©UbvRwbZ cª‡¶wcZ †gqv`c~wZ© g~j¨ 5% gvivZ¥K
cwi‡kva †hvM¨ wbivcËv *** AwZwi³ †µwWwUs my‡`i nv‡i (wm AvB Amy¯’Zvi †¶‡Î
wbivcËv Avi) wcÖwgqvg cÖ`v‡bi myweav
aiY-evwl©K

5 300,000 A¨vKvD›U g~j¨ / 600,000 317,242 cÖ‡hvR¨ bq

cwi‡kvwaZ wcÖwgqvg
A¨vKvD›U g~j¨ /
10 600,000 cwi‡kvwaZ wcÖwgqvg
1,200,000 738,429 cÖ‡hvR¨ bq
A¨vKvD›U g~j¨ /
15 900,000 cwi‡kvwaZ wcÖwgqvg
1,800,000 1,225,312 cÖ‡hvR¨ bq
20 1,200,000 A¨vKvD›U g~j¨ / 2,400,000 1,877,889 cÖ‡hvR¨ bq
cwi‡kvwaZ wcÖwgqvg

* AbyMªn K‡i j¶¨ Kiæb †h †Mvì cwiK‡íi †gvU wcÖwgqv‡gi (cwi‡kva †hvM¨) g‡a¨ gvivZ¡K Amy¯’Zvi †¶‡Î myweav Ges wcÖwgqvg gIKzd
myweavi wcÖwgqvg AšÍf©~³
** cwjwmi †gqv‡`i †h‡Kv‡bv ch©v‡qB g~j Rxebexgv wbivcËvi cwigvY Kgc‡¶ AwfwnZ g~‡j¨i mgvb n‡e| Rxebexgv wbivcËv AwfwnZ
g~‡j¨i †_‡K †ewk n‡Z cv‡i| hw` A¨vKvD›U g~j¨ AwfwnZ g~‡j¨i †P‡q †ewk nq Z‡e A¨vKvD›U g~j¨ cÖ`vb Kiv n‡e
*** wWwcGm mycvi †eªvÄ ciwK‡íi †¶‡Î Rxebexgv wbivcËv myweav wn‡m‡e A¨vKvD›U g~j¨ I †gvU cwi‡kvwaZ wcÖwgqv‡gi g‡a¨ †hwU †ewk n‡e
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2. GB cwiKíwU cwjwmMÖwnZv‡`i †gqv`c~wZ© ch©šÍ cwjwm Ae¨vnZ ivLvi D‡Ï‡k¨ cÖYxZ n‡q‡Q
3. †gqv`c~wZ©i c~‡e© cÖZ¨c©Y Ges/A_ev mgqgZ wcÖwgqvg cÖ`vb bv Kiv n‡j †gqv`c~wZ©i gy‡j¨ cÖfve †dj‡Z cv‡i Ges †gqv`c~wZ©i c~‡e©
cÖZ¨c©‡bi gva¨‡g Avw_©K ¶wZI n‡Z cv‡i
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hw` Avcbvi eqm 18-54 eQ‡ii g‡a¨ nq, Zvn‡j Avcwb GB cwjwm µ‡qi Rb¨ Dchy³|

Avwg GB cwjwm wKfv‡e wKb‡Z cvwi?

Avcwb hw` GB cwjwm‡Z AvMÖnx nb, Zvn‡j Avcwb wbKU¯’ †gUjvBd G‡RwÝ Awdm/Kv÷gvi UvP
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AvMÖ‡ni e¨vcv‡i Avgv‡`i I‡qemvB‡U www.metlife.com.bd/find-agent/ wM‡q Rvbv‡Z cv‡ib|
c~iYK…Z Av‡e`b dig I cÖ‡qvRbxq KvMRcÎmg~n `vwLj K‡i cÖ_g wcÖwgqvg Rgv w`b| GUv LyeB mnR
GKwU cÖwµqv!

Kxfv‡e Avwg wcÖwgqv‡gi A_© cwi‡kva Ki‡ev?

Avcwb hw` GB cwjwm‡Z AvMÖnx n‡q _v‡Kb, Zvn‡j AbyMÖn K‡i Av‡e`b dig c~iY K‡i cÖ_g wcÖwgqv‡gi
A_© cwi‡kva Kiæb| cieZ©x wcÖwgqvg cwi‡kv‡ai Rb¨ Avcwb wbgœwjwLZ welq¸‡jv we‡ePbvq wb‡Z
cv‡ib-

 BGdwU †WweU: BGdwU †WweU di‡gi BÝU«vKk‡bi gva¨‡g, †hmKj e¨vs‡K BGdwU †WweU c×wZ
Pvjy i‡q‡Q †mme e¨vs‡Ki gva¨‡g Avcwb wcÖwgqvg cwi‡kva Ki‡Z cvi‡eb| †hmKj e¨vs‡K BGdwU
†WweU Pvjy i‡q‡Q Zvi ZvwjKv †`L‡Z †gUjvB‡di I‡qemvBU wfwRU Kiæb
 B›Uvi‡bU e¨vswKs: Avcwb hw` WvP evsjv e¨vsK, GBPGmwewm e¨vsK, ÷¨vÛvW© PvU©vW© e¨vsK, wmwU
e¨vsK, cÖvBg e¨vsK Ges eª¨vK e¨vs‡Ki A¨vKvD›U MÖnxZv nb Zvn‡j Avcwb Zv‡`i B›Uvi‡bU e¨vswKs
mvwf©m e¨envi Ki‡Z cv‡ib
 G‡R›U e¨vswKs: e¨vsK Gwkqv I Iqvb e¨vsK wjwg‡UW-Gi eªv A_ev G‡R›U AvDU‡j‡UI mivmwi
bM` UvKvq Avcwb wcÖwgqvg cwi‡kva Ki‡Z cvi‡eb
 GwUGg/K¨vk wW‡cvwRU ey_: Avcwb cwjwm wcÖwgqvg eª¨vK e¨vsK GwUGg A_ev WvP evsjv e¨vs‡Ki
GwUGg ey‡_i gva¨‡gI cwi‡kva Ki‡Z cv‡ib
 †gvevBj e¨vswKs: i‡KU (wWweweGj ‡gvevBj e¨vswKs), weKvk A_ev U«v÷ e¨vs‡Ki †gvevBj gvwb
mvwf©‡mi gva¨‡g Avcwb Avcbvi wcÖwgqvg cwi‡kva Ki‡Z cv‡ib
 Kv÷gvi UvP c‡q›U I †mjm Awdm: miKvwi QywUi w`b e¨ZxZ iweevi †_‡K e„n¯úwZevi mKvj 9
Uv †_‡K weKvj 5 Uv ch©šÍ mviv evsjv‡`‡k Qwo‡q _vKv Avgv‡`i Kv÷gvi UvP c‡q›U¸‡jv‡Z Avcwb
wcÖwgqvg cÖ`vb Ki‡Z cvi‡eb| Kv÷gvi UvP c‡q›U I †mjm Awd‡mi ZvwjKv †`L‡Z Avgv‡`i
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 Iqvb Kv÷gvi †c−m: Avcwb Avgv‡`i Iqvb Kv÷gvi †c−m (Iwmwc)-G Avcbvi wcÖwgqvg Ges
Ab¨vb¨ me †c‡g›U Ki‡Z cvi‡eb GB wVKvbvq: †gUjvBd wewìs, 18-20 gwZwSj ev/G,
(wbPZjv- DËi cvk¦©), XvKv-1000

wWwcGm cwjwmi Aax‡b Kxfv‡e exgv `vwe Kiv hvq?

 Avcbvi c~iY Kiv `vwe digwU cÖ‡qvRbxq KvMRcÎmn wbgœwjwLZ wVKvbvq Kzwiqvi Ki‡Z cv‡ib:
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www.metlife.com.bd American.Life@metlife.com.bd

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DPS Super

A Life Insurance Policy

for Stress-Free Future,
and Better Life
DPS Super
A Life Insurance Policy
for Stress-Free Future,
and Better Life

We all aspire to be successful in life, and ensure a secure future for own
self, and our family members. However, success in life, comes hand in
hand with risk, and you want to be prepared for both unforeseen &
unexpected challenges in life. At MetLife, we understand your need to
be prepared for these incidents that you may come across during your
journey of life. We also understand that you need to plan for a simple yet
inclusive financial arrangement so that you are ready to live your present
without stress and tackle the unforeseen when it comes.

MetLife brings you a life insurance solution in DPS Super that will help
you to meet your different expectations and gives financial protection to
your family. It can help you not only to protect your present but also to
maintain its value steadily, ensuring your family’s future financial needs
are taken care of.

Key Highlights of DPS Super

Life Insurance Additional Maturity Waiver of Critical

Coverage Accidental Coverage Value Premium Illness Benefit
 Life Insurance Coverage
DPS Super provides you with life insurance coverage during the term of the
Policy that helps your family to stay financially protected in case of your
unfortunate demise. With DPS Super, you can choose to have a life insurance
coverage that suits your family’s needs, there is no barrier to how much you
can avail as life Insurance.

 Additional Accidental Coverage

You can get an additional Accidental Benefit under which 2 times of Face
Amount or BDT 4 crore, whichever is lower, will be paid in the event of
accidental death or accident leading to Permanent Total Disability. In case of
Accidental Dismemberment, the additional Accidental Benefit may reach up
to 2 times of the Face Amount or BDT 4 crore, whichever is lower, depending
on the type and extent of loss.

 Maturity Benefit
You can receive maturity value that will be 100% of Account Value at
maturity less any indebtedness.

 Waiver of Premium Benefit

If you become permanently and totally disabled due to accident or sickness
within the age of sixty (60) years, you will not be required to pay premiums
for the remaining term of the Policy. MetLife will pay all premiums on your
behalf.

 Critical Illness Benefit

You will receive a coverage of 50% or 100% (depending on your issue age,
Policy term and your choice) of the Face Amount if you are diagnosed with
or undergo surgery for the critical illnesses listed below. Maximum critical
illness coverage can be BDT 20 lac.

Stroke Benign Brain Tumor

Cancer (Excluding skin cancer) Other Serious Coronary Artery Diseases
First Heart Attack Heart Valve Surgery/ Replacement
Coronary Artery Surgery Pulmonary Arterial Hypertension (Primary)
Other Benefits

Grace Period

You will get a grace period of 31 days for premium

payment which will be determined by the Company
to cover the shortfall and minimum acceptable due
amount in case of Net Cash Surrender Value on any
Monthly Due date is insufficient to cover the next
monthly deduction. If the Insured dies within the
grace period, the amount of the overdue Monthly
Deduction will be deducted from the death benefit.

Loan Option

You can apply for a Policy Loan which will be

allowed up to a maximum of 85% of the Net Cash
Surrender Value.

Tax Benefits

You are eligible for income tax benefits/ exemptions

as per the applicable income tax laws in Bangladesh,
which are subject to change from time to time. You
may consult with your tax advisor for details.
 Three Plan Options

To suit your insurance needs, the product has the flexibility to choose from 3
plans.

Plans & Benefits Gold Silver Bronze

Life Insurance Coverage √1 √1 √2

Additional Accidental Coverage √ √ √

Maturity Value √ √ √

Critical Illness Benefit √

Waiver of the Premium Benefit √

1. Account Value or the Face Amount at the time of death, whichever is higher, will be paid less any
indebtedness.
2. Account Value or the premiums paid at the time of death, whichever is higher, will be paid less
any indebtedness.

DPS Super at a Glance

Age at Entry Min: 18 Years Max: 54 Years

Age at Maturity Max: 74 Years

Plan Options Gold, Silver, Bronze

Max: Customer may apply for any amount.

Min: However, individual’s maximum allowable
Face Amount Tk. 100,000 amount shall be subject to company’s
existing underwriting guidelines.

Critical Illness
Benefit
Max: Tk. 2,000,000
(Only applicable for Gold
option)

Policy Term Min: 5 Years Max: 20 Years

Premium Modes Yearly/ Half-yearly/Quarterly/Monthly

 Minimum (Yearly/Half-yearly/Quarterly/Monthly)
Premium Amounts Minimum: (BDT 12,000/ BDT 6,000/ BDT 3,000/BDT 1,000)

Critical Illness, and waiver of premium coverage expires when

Coverage Expiry Age your age is 60 years. Additional Accidental coverage expires
when your age is 65 years.

Waiting Period Critical Illness: 180 days since Policy effective date or the last
(Only applicable for Gold coverage commencement date, whichever is later.
option)

 The following charge will be applied in case of Policy surrender

before maturity-
Surrender Charge
Policy (% of Account Value)
Year Term: 5 years Term: 6 – 20 years
1 100 100
2 50 50
Surrender Charge
3 25 25
4 15 15
5 Nil 10
6 onwards Nil Nil

 In addition to this, processing fee of BDT 300 will be deducted

for any surrender and partial withdrawal

 The following Premium related expenses will be applied to your

premium-

Expenses
Policy (% of premium)
Year
Term: 5 - 10 years Term: 11 – 20 years
1 31.25 50

Other Charges 2 Nil 15

3 Onwards Nil Nil

 BDT 50 will be deducted as monthly administration fee

 Monthly cost of insurance will be deducted based on your
chosen coverage
 Investment related expense will be deducted from investment
return
 How does the Policy work?

DPS Super primarily has two key elements – cash accumulation benefit, and
insurance benefit in the event of death, dismemberment, disability, critical
illness (CI) benefit and waiver of premium (WP) benefit (CI & WP only for DPS
Gold). Premiums paid by you, will be deposited into a cash accumulation
account, after deducting the applicable charges where it will earn interest via
prevailing interest crediting rate determined by the Company. For the applicable
charges please check the above table. Although you will be asked to set the
Face Amount of the death benefit at the start of the Policy, you can change your
Face Amount within three months of Policy issuance. In case of critical illness
and waiver of premium benefit additional premium will be charged to provide
coverage.

An Illustrative Example

This is an illustrative example and the table provides a summary of how financial
benefits look like considering certain parameters. For illustrative purposes, you
may want to have a look at the following table which shows the insurance
benefits and the projected maturity values of 3 DPS Super Plans.

The projection shown on the table is for four different terms – 5, 10, 15 and 20
years. Annual premium considered for the demonstration is BDT 60,000 and
assumption is policyholder will pay premium on a yearly basis during entire term
of the Policy. For illustrative example, projected maturity value considered is 5%
Crediting Interest Rate (CIR) on Account Value. Policyholder’s age considered
for the illustration is 35 years.
 Gold Benefits
Term Total Premium Life Coverage Additional Projected Maturity Critical
(Payable)* (Face Amount) ** Accidental Value@ 5% Crediting Illness
Coverage Interest Rate (CIR)- Benefit
Premium Payment
mode – Annual
5 300,000 283,473 566,946 298,002 283,473
10 600,000 564,069 1,128,138 684,974 564,069
15 900,000 829,876 1,659,752 1,102,513 829,876
20 1,200,000 1,081,666 2,163,332 1,631,913 1,081,666
Silver Benefits
Term Total Premium Life Coverage Additional Projected Maturity Critical
Payable (Face Amount) ** Accidental Value@ 5% Crediting Illness
Coverage Interest Rate (CIR)- Benefit
Premium Payment
mode – Annual
5 300,000 300,000 600,000 315,575 NA
10 600,000 600,000 1,200,000 729,106 NA
15 900,000 900,000 1,800,000 1,196,823 NA
20 1,200,000 1,200,000 2,400,000 1,812,746 NA
Bronze Benefits
Term Total Premium Life Additional Projected Maturity Critical
Payable Coverage*** Accidental Value@ 5% Crediting Illness
Coverage Interest Rate (CIR)- Benefit
Premium Payment
mode – Annual
Account Value/
5 300,000 Paid Premium 600,000 317,242 NA
Account Value/
10 600,000 Paid Premium 1,200,000 738,429 NA

15 900,000 Account Value/ 1,800,000 1,225,312 NA

Paid Premium
20 1,200,000 Account Value/ 2,400,000 1,877,889 NA
Paid Premium

* Please note that Total Premium (Payable) for Gold plan includes premium for Critical Illness and Waiver of
premium
** Actual Life Coverage paid would be at least equal to Face Amount at any point in time during Policy term. Life
Coverage could be higher than Face Amount if Account Value amount is higher than Face Amount then
Account Value would be paid
*** For DPS Super Bronze, actual Life Coverage benefit would be paid based on Account Value or total premium
paid whichever is higher

Important Note:
1. The above is an example to help you understand the Policy. Please ask your Financial Associate for an
illustration specially prepared for you, as per your requirement
2. This Policy is intended for policyholder to continue the Policy till the end of term
3. Early surrender and/or missing premium could affect the financial returns for policyholder and could lead to
losses in case of early surrender
 Am I eligible to buy this Policy?

If your age is between 18-54 years, you are eligible to buy this Policy.

How do I enroll for this Policy?

If you are interested in this Policy, you may visit nearest MetLife Agency
Office/Customer Touch Point/Sales Office to discuss with a Financial
Associate (or) you can submit your interest through our website
www.metlife.com.bd/find-agent. Fill out the application form and submit it with
required documents and pay the first premium. It’s that easy!

How do I pay Premium?

If you are interested in this Policy, please fill-in the application form and submit
it along with the first premium amount. For subsequent premiums, you can
consider either of the following options –

 EFT Debit: You can pay premium through EFT Debit enabled bank by
providing single instruction in the EFT Debit Form. Please check our website
for the list of EFT Debit enabled banks

 Internet Banking: If you are an account holder of Dutch Bangla Bank, HSBC
Bank, Standard Chartered Bank, The City Bank, Prime Bank and BRAC Bank
then you can use their internet banking service to pay your premium

 Agent Banking: You can make premium payment in cash at branch or agent
outlets of Bank Asia, and One Bank Limited

 ATM/Cash Deposit Booth: You can pay your Policy premium through
BRAC Bank or Dutch-Bangla Bank ATM booth
 Mobile Banking: You can pay premiums using Rocket (DBBL Mobile
Banking), bKash, or Trust Bank Mobile Money services

 Customer Touch Point & Sales Office: You can also make Premium & Other
Payments at our Customer Touch Points across Bangladesh from 9:00 a.m.
to 5:00 p.m. on Sundays through Thursdays except Government Holidays.
List of our customer touchpoints and sales offices are available at our
website

 One Customer Place: You can make Premium & Other Payments at our ONE
Customer Place (OCP) located at MetLife Building, 18-20 Motijheel C/A
(Ground Floor- North Side), Dhaka-1000, Bangladesh

How to make a claim under this Policy?

 You can courier your filled-out claim form with required documents to the
following address: Claims Department, American Life Insurance Company
(MetLife Bangladesh), MetLife Building, 18-20 Motijheel C.A. Dhaka – 1000,
Bangladesh or you can submit the claims form to our nearest customer touch
points/sales offices

 You can email us at claimsbangladesh@metlife.com.bd

 You can also send fax at +88 02 47112111
 Claims related forms and required document list are available on our website
(https://www.metlife.com.bd/claims/required-documents/)
 Key
Insurance
Terms

Terms and
Disclaimers
Conditions
 Key Insurance Terms

 Account Value (AV): Account Value is the balance of account in a month

where Net Premium and Investment Earning is credited, and Cost of
Insurance and other deductions are made by the Company

 Coverage Amount: Coverage Amount is the insurance amount that

provides benefit under various coverages like life insurance, ADD, PTD,
Critical Illness and Waiver of Premium due to disability

 Maturity Value: Maturity Value is the amount which is received after

successfully completing the term of insurance Policy, if there is no claim.
Maturity Value for this Policy is the 100% of Account Value at maturity date

 Premium: Premium is the amount payable by the policyholder to the

Company in respect of the chosen Policy (Gold/Silver/Bronze)

 Beneficiary: Beneficiary is the person designated by the Policy owner to

receive the death benefit amount in the event of death of the Insured

 Critical Illnesses: These are the conditions when one or more vital organ(s)
for example, brain, heart etc. got affected and the patient needs urgent
medical support for recovery

 Cash Surrender: It is an option for the policyholder to discontinue the Policy

before Policy matures. Upon surrendering the Policy, policyholder will get
Net Cash surrender Value less any indebtedness

 Surrender charge: Surrender charge is the fee charged to a policyholder

when a life insurance Policy is surrendered for its cash surrender value prior
to the end of the surrender charge period
 Terms and Conditions

 Projected Maturity Value is calculated following deduction of Cost of

Insurance, Expenses and Charges of the Policy and by crediting a net
Investment Yield. The Maturity Value is not guaranteed and will vary based
on investment performance. The Maturity Value will be lower for policies
paying premium more frequently than yearly

 During the 1st policy year the Policy does not acquire any Cash Surrender
value, which is the Account Value on the date of Surrender less the Surrender
Charge and Processing Fee. Upon Surrender at any time after the expiration
of the 1st policy year and before maturity, the p
olicyholder will receive the Cash Surrender Value less any Indebtedness. A
Surrender Charge will be applicable if the Policy is surrendered during the
¬first 4years for 5 years Policy term and first 5 years for 6-20 years terms.
The Cash Surrender Value may be less than the premiums paid. Upon
surrender, it is likely to get less than the premiums paid

 The Critical Illness, and Waiver of Premium benefits may not be cancelled by
the Insured during first 2 years from the effective date while the Policy is
in-force (applicable for gold Policy only)

 This Policy does not cover Death on account of suicide (within first two years
of the Policy), war, Acquired Immune Deficiency Syndrome (AIDS),
pre-existing condition or other exclusions as specified in the Policy
Document

 The Policy may lapse with no value if Premium is not paid regularly as due.
Monthly Cost of Insurance, Expenses and other charges will be deducted till
Maturity or until the net Cash Surrender Value is exhausted, whichever is
earlier

 Policy Loan will be allowed up to a maximum of 85% of the Net Cash

Surrender value

 Tax advantages regarding the premium payment are subject to Tax

laws/Rules of government. Please consult with your Tax Advisor for
confirmation and advice
 Disclaimers

 This Policy is underwritten by American Life Insurance Company (‘MetLife’)

and is always subject to the terms and conditions described in the Policy.
The information contained in this Brochure is intended only for general
understanding of the customers. The terms, conditions and exclusions are
included in the contract of insurance. For any discrepancies between the
information contained herein and contract of insurance, the later shall
prevail.

 If any discrepancies are found between Bangla and English version of this
Brochure, English version shall be considered as correct.

 This Policy is not available in the United States, or offered to U.S. persons;
for purposes of this statement, a U.S. person is a citizen or resident of
United States (including a U.S. permanent resident residing outside the
U.S.), U.S. partnership and any trust that is controlled by one or more U.S.
persons and is subject to the supervision of a U.S. Court.

 The term “Rider” wherever used herein shall mean and include any
supplementary contract(s) attached with the basic Policy. The Rider is not a
standalone product and it requires a basic Policy (the information/list of
eligible basic Policy will be available to MetLife Financial Associate(s) and
the required basic Policy(ies) shall be determined by MetLife) to become
operative. The Rider (if any) attached with the basic Policy, will be
automatically terminated on the termination and/or expiry date of the Rider
or at the end of the Premium payment term, whichever is earlier.
About MetLife
MetLife, Inc. (NYSE: MET), through its subsidiaries and affiliates (“MetLife”), is one of the world’s leading financial
services company who celebrated 150 years of navigating life together in 2018, provides insurance, annuities,
employee benefits and asset management to help its individual and institutional customers navigate their
changing world. Founded in 1868, MetLife has operations in more than 40 countries and holds leading market
positions in the United States, Japan, Latin America, Asia, Europe and the Middle East.
For more information, visit www.metlife.com

MetLife’s story in Asia can be traced back to Bangladesh when operations first began in 1952. Currently MetLife
Bangladesh is the largest life insurer in the country. It serves over a million customers and is a major employer in
Bangladesh with about 16,000 field force and employees. MetLife is one of the top tax paying insurance compa-
nies in Bangladesh that has been recognized for highest credit rating of ‘AAA’ since the rating of insurance
companies began in Bangladesh in 2010.

Hotline: 16344 or 09666716344 Fax: +880 2 9558682

www.metlife.com.bd American.Life@metlife.com.bd

American Life Insurance Company, MetLife Building, 18-20 Motijheel C.A., P.O. Box 9, Dhaka-1000, Bangladesh.

American Life Insurance Company is incorporated in the USA as a Limited Company.

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