Quotation Number 70011837112 Quotation Date 22 - Apr - 2023

PNB MetLife India Insurance Co. Ltd.

Benefit Illustration for PNB MetLife Super Saver Plan (UIN No. :117N123V02) -Individual, Non-Linked, Non-Par, Savings, Life Insurance Plan
Proposal No.
Name of Life Assured divya Gender of the Life Assured Female
Date of Birth of Life Assured 29 Jun 1986 Age of Life Assured 36
Gender of the Policyholder Female
Name of the Policyholder divya Age of the Policyholder 36
Date of Birth of Proposer 29 Jun 1986 Is client an employee? No

How to read and understand this benefit illustration?

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.Some benefits are guaranteed and
some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly
marked guaranteed in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns,
of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number
of factors including future investment performance.

Policy Details
Policy option Savings Base Sum Assured (Rs.) 3,11,554 Installment Premium for Savings and 3,101
Death coverage(Rs.)
Bonus option Accumulation Sum Assured on Death (at inception of policy) 3,50,000 GST rate applicable on Savings and 4.50%
(Rs.) Death coverage
Goods and Service tax on installment
Policy Term 13 years Age Extra No premium for Savings and Death 140
coverage (inclusive of applicable
cess) (Rs.)
Installment Premium for Health
Premium Payment Term 10 Health Extra No coverage (applicable where Policy 0
option is Savings Plus) Rs.
Premium Payment Term Mode Monthly Annualized Premium( Rs.) 35,000 GST rate applicable on Health 18%
coverage
Goods and Service tax on total
Bonus Type Reversionary Bonus installment premium for Health 0
coverage (inclusive of applicable
cess) (Rs.)
Premium Summary
Base Plan Age Extra Health Extra Total Installment Premium
Installment Premium without GST (Rs.) 3,101 0 0 3,101

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s ervice@pnbmetlife.co.in or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com
 Premium Summary Premium to be
Installment Premium with First Year GST (Rs.) 3,241 0 0 3,241 collected
Installment Premium with GST Second Year Onwards (Rs.) 3,171 0 0 3,171
Base Policy Benefit Details
Amount in Rupees

Total Benefits incld Guaranteed and Non-

Guaranteed Benefits
Guaranteed benefits Non-Guaranteed benefits @4% Non-Guaranteed benefits @8%
Annualised Maturity Benefit Death Benefit
Age of Premium*
Policy the Life (Rs)
Total Total
Year Assured (Beginning Maturity Surrender Cash Accrued Surrender Cash Accrued Surrender Maturity Maturity Total Death Total Death
(Years) Death Benefit Benefit Benefit Bonus Reversionary Benefit Bonus Reversionary Benefit Benefit Benefit Benefit incl of Benefit incl
of the (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) Bonuses (Rs.)
Year) (Rs.) (Rs.) (Rs.) incl incl Terminal of Terminal
(Beginning of (End of (End of (End of (End of the (End of (End of (End of the (End of Terminal Terminal Bonus, If any Bonus, If any
the Year) the the the Bonus, if Bonus, if @4% @8%
the Year) Year) the Year) Year) the Year) any any
Year) Year) Year)
@4% @8%
1 36 35,000 3,50,000 0 0 0 1,558 0 0 7,010 0 0 0 3,51,558 3,57,010
2 37 35,000 3,50,000 0 22,327 0 3,116 25,355 0 14,020 29,581 0 0 3,53,115 3,64,020
3 38 35,000 3,50,000 0 39,073 0 4,673 41,455 0 21,030 48,364 0 0 3,54,673 3,71,030
4 39 35,000 3,50,000 0 74,424 0 6,231 74,955 0 28,040 76,815 0 0 3,56,231 3,78,040
5 40 35,000 3,50,000 0 93,030 0 7,789 93,794 0 35,050 96,467 0 0 3,57,789 3,85,050
6 41 35,000 3,50,000 0 1,11,636 0 9,347 1,12,690 0 42,060 1,25,267 0 0 3,59,346 3,92,060
7 42 35,000 3,50,000 0 1,30,242 0 10,904 1,36,540 0 49,070 1,59,297 0 0 3,60,904 3,99,070
8 43 35,000 3,50,000 0 1,72,664 0 12,462 1,74,522 0 56,080 1,98,439 0 0 3,62,462 4,06,080
9 44 35,000 3,51,653 0 2,21,039 0 14,020 2,23,444 0 63,090 2,43,336 0 0 3,65,673 4,14,743
10 45 35,000 3,90,726 0 2,75,369 0 15,578 2,78,442 0 70,100 2,94,706 0 0 4,06,304 4,60,826
11 46 0 3,90,726 0 3,05,138 0 17,135 3,21,992 0 77,110 4,10,409 0 0 4,07,861 4,77,089
12 47 0 3,90,726 0 3,34,908 0 18,693 3,52,441 0 84,120 4,53,852 0 0 4,13,295 5,03,446
13 48 0 3,90,726 3,11,554 0 0 20,251 0 0 91,130 0 3,91,343 5,12,039 4,33,253 5,54,759

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s ervice@pnbmetlife.co.in or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com
Notes:
*Annualized Premiums exclude underwriting extra premium, frequency loadings on premium, the premiums paid towards the Riders, if any, Goods & service tax
Goods & Service Tax levied is as per presently applicable tax laws and the same are subject to changes in the tax laws in future. Please consult your Tax advisor for more details. Service Tax is
inclusive of applicable cess.

Notes to the Benefit Illustration:

1. PNB MetLife Super Saver Plan is only the name of the product and does not in any way indicate the quality of the product, its future prospects or returns.
2. Please read this benefit illustra on in conjunc on with the product brochure carefully to understand all Terms, Condi ons and Exclusions before concluding a sale. The detailed Terms and
Conditions are contained in the Policy Document.
3. Neither the Company nor any of its Advisor/ Financial Planning Consultants are authorised to offer any tax related advice. The tax benefits under various sec ons shall be available as per the
prevailing tax regulations.
4. The above illustration is applicable to a standard life (in terms of medical, life style and occupation)
5. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of the life insurance company. If your policy offers guaranteed returns then these will
be clearly marked guaranteed in the illustration table.
6. The values in the illustration below have been rounded off to the nearest rupee wherever applicable.
7. Reversionary bonus once declared is guaranteed and is payable at maturity. If 'Liquidity' is chosen as the bonus op on , Cash bonus (if any) will be paid at the end of each policy year a er the
expiry of premium payment term till the end of policy term or death or surrender, whichever is earlier, depending upon the plan chosen.
8. The above amounts assume that all premiums are paid when due. Further, the above death and surrender values are illustrated assuming that all the installment premium payable in a policy year
are paid (i.e. the event occurs at the end of the policy year). If death or surrender occur and installment premiums for only part of the policy year are paid, then the death or surrender values will only
consist of that premium that has been paid. The death or surrender values at any time other than at the end of the policy year will be lower than those illustrated above.
9. For the purpose of illustra ons, we have used 4% and 8% as the lower and the higher rates of investment returns respec vely, in the calcula ons. These are in accordance with the guidelines
issued by IRDA of India and in no way signify our expectations of investment return on the funds and the actual investment returns may be higher or lower.
10. The maximum amount of policy loan payable is limited to 90% of the Special Surrender Value at the end of the relevant Policy Year less any unpaid premiums for that year and loan interest
accrued to the end of that year.
11. In case of any conflict between this benefit illustration and your policy document, the latter shall prevail
12. The main objective of the illustration is that you are able to understand the features of the product and the nature of benefits under different circumstances with some level of quantification.
13. The policy will acquire a surrender value a er payment of two full years' premium and the policy can con nue with paid up benefits. Special Surrender Value (SSV) is a non guaranteed benefit.
The company reserves the rights to change the SSV Factor from me to me depending on the economic environment, experience and other factors, subject to prior approval from IRDA of India. Same
applies for rider(s).
14. Terminal Bonus is not guaranteed and may be declared under the Policy from the 10th Policy Year onwards or from the third last policy year whichever is earlier. Terminal Bonus is expressed as a
percentage of all accrued Simple Reversionary Bonuses and all Cash bonus (if any) paid, if any. If declared, the Terminal Bonus will be paid along with the Death Benefit (except for Savings + Family
Care Op on). For maturing policies, the declared Terminal Bonus is paid along with the Maturity Benefit. For policies that are surrendered , the declared Terminal Bonus is payable along with
Surrender benefit.
15. Surrender Value payable is taken as the higher of Guaranteed Surrender Value and Special Surrender Value. Please read the Policy document for more details.
16. For more details on risk factor, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
17. The following riders are available along with this plan: PNB MetLife Accidental Death Benefit Rider Plus (UIN: 117B020V03), PNB MetLife Serious Illness Rider (UIN: 117B021V03).

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s ervice@pnbmetlife.co.in or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com
I, …...................... (name), have explained the premiums, and benefits under the product fully to I, …...................... (name), having received the informa on with respect to the above, have
the prospect / policyholder. understood the above statement before entering into the contract.

Place:
Date: Date:
Signature of Agent / Intermediary / Official Signature of Prospect / Policyholder

FOR PNB METLIFE INDIA INSURANCE COMPANY LIMITED (FA/FPC/SP/AUTHORISED PERSON AS APPLICABLE)
I cer fy that this illustra on has been fully explained to the Policyholder / Prospect, including the non-guaranteed elements. Further, I have also explained to the Policyholder / Prospect that the
actual returns/benefits under the product may be different from what has been illustrated.
Signature of the Financial Advisor/ Specified Person / Authorized Name: Branch/Location:
Person of Broker / IMF:

_______________Date:_____________ ______________________________ ______________________________

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s ervice@pnbmetlife.co.in or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com
Financial Advisor/Specified Person/Authorized Person of Broker Code / IMF: Contact No: Seal:

_________________________________________________
________________________ ____________________________

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s ervice@pnbmetlife.co.in or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com