Hit a

Century in
Life with

(UIN:117N129V01)

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One Plan to take care of all your Financial Needs

THIS IS AN INTERNAL CIRCULATION DOCUMENT FOR TRAINING PURPOSE ONLY. UNAUTHORIZED DUPLICATION, IN W HOLE OR IN PART, IS STRICTLY PROHIBITED
Regular Second Income Lifestyle needs Wealth creation & Planning a Legacy

Education for your child Marriage of your Child Happy Retirement Life
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 Hitting a Century with 8 Benefits
Save tax under Section 8 1 Regular Income from
80C & 10(10D) 1st Year / 1st Month
of the policy

Equity exposure of up to 7 2 Pay only for limited

40% number of years.

Choice of life Cover till 6 3 Option to take

100 Years of age or 80 Regular Income or
Years of age Accumulate the
income

Get rewarded with extra 5 4 Option of getting the income

benefits when you pay high on Special dates – Birthday’s
premiums with HPR , Anniversaries etc.

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 Century Plan – You can Choose one of these 3 Income Options

Super Income Smart Income Future Income

(Immediate Income) (Immediate Income) (Deferred Income)
▪ Simple Reversionary bonus for first
▪ Cash bonuses from 1st year or ▪ Cash bonuses paid from 1st year 14 Years of the policy.
1st month till age 100/80 or 1st month till age 100/80 ▪ Fixed Income along with Cash
▪ Double Cash Bonus post PPT ▪ Cash Bonus increase after every bonuses will be paid during fixed
▪ Min. Guaranteed cash bonus 15 years.
income period.(from 15th year onward)
@10% of Annualized Premium ▪ Guaranteed cash bonuses @30%
during PPT of Annualized premium during
Fixed Income period.

Up to Up to
Up to
20% 20% 40%
Equity Equity
Exposure Exposure Equity
Exposure

• #PNB MetLife Century plan is part of Par (Life) fund. Up to 40% (for Future Income option,20% for Super & Smart Income options) of the premiums received under this product can be invested in equities.
• #If Super Income option is chosen Min. cash bonus is Guaranteed @5% for PPT <10 & @10% for PPT 10 & above of Annualized Premium during the premium payment term. For Future Income Option Guaranteed cash bonuses @30% of Annualised premium will be paid during Fixed Income period.
• The accrued Cash Bonuses and/or Fixed Income pay-outs shall be accumulated monthly at Reverse Repo Rate published by RBI on its website. This rate will be reviewed at the beginning of every month and will be aligned with the latest Reverse -Repo Rate published on RBI’s website. Fixed Income = (Sum of all accrued Simple Reversionary Bonuses) / (Fixed Income Pay -out
Period). Fixed Income Pay-out Period commences from end of 15th policy year and is equal to 30 years for maturity age option 100 years and 20 years for maturity age option 80 years.

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 Century Plan – Super Income option | As a Child Plan

wants to buy a regular income plan for ever growing need of her 1-Year-old child. We
suggested her Century Plan with following combinations -
Annual Premium PPT Term Option Basic Sum Assured Death Sum Assured
Rs. 1.55 Lakh 15 Years 99 (100 - Age) Super Income Rs. 15.50 Lakh Rs.23.25 Lakh

Premium Maturity
Payment Benefit is
Mi ni mum Guaranteed Cash Bonus @ 10% on Stops paid
Annualized Premium During the PPT

Pays Annualized Premium of Rs.1.55 Lakh for 15 Years Cash Bonus gets doubled post Premium Paying Term

Cash Bonus @ Rs. 51,073 p.a.

1 15 Cash Bonus @ Rs. 1,01,370 p.a. post PPT till the end of the term 100
during PPT

Sum Assured on Maturity (A) Terminal Bonus (B) Total Maturity Benefit (A+B)
Maturity Benefit
Rs. 24,41,250 Rs. 12,32,71,500 Rs.12,57,12,750
IRR
*Guarantee may va ry basis Pre miu m Payment Te rm and whether Fa mily Care Option has been chosen. Please note that the Bonuses after end of Pre miu m Payment Term a re not guaranteed and may be declared by t he 6.13%
Company from time to time. The above illustration has been determined using assumed investment returns at 8%.The above premium figures are exclusive of Goods and Services Tax and Cess.

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 Century Plan – Future Income option | As a Retirement Solution

buys a Century Plan – Future Income option, as a Retirement Solution and also create a legacy for
their loved ones.
Annual Premium PPT Term Option Basic Sum Assured Death Sum Assured
Rs. 1,55,500 15 Years 70 Years (100-Age) Future Income Rs. 15,55,000 Rs.18,27,125

Premium Maturity
Payment Mi ni mum Guaranteed Cash Bonus @ 30% on Benefit is
Stops Annualized Premium During the Fixed paid
Income Period of 30 Years

Pays Annualized Premium of Rs.1,55,500 Lakh Annual Income @ 2,03,265 during Fixed
for 15 Years Income Period

SRB gets accumulated during Cash Bonus @ Rs. 1,84,579 p.a.+ Fixed Cash Bonus @ Rs.2,03,239 will be paid
30 45 99
deferment period Income of @ Rs. 18,686 p.a. till the end of the term

Sum Assured on Maturity (A) Terminal Bonus (B) Total Maturity Benefit (A+B)
Maturity Benefit
Rs. 24,49,125 Rs. 1,74,93,750 Rs.1,99,42,875
IRR
*Guarantee may va ry basis Pre mium Payment Term and whether Family Care Option has been chosen. Please note that the Bonuses after end of Premiu m Payment Term a re not guaranteed and may be 6.36%
declared by the Company f ro m ti me to ti me. The above illustration has been determined using assumed investment returns at 8%.The above premium figures are exclusive of Goods and Services Tax and
Cess.

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 Benefits of investing in a Participating Product

Bonus gets Lots of

Earn Bonus by

1 2 3 4 5
Capital is guaranteed Flexibilities –
participating Comprehensive
Guaranteed once declared PPT , Riders.
in Life (Par) tax Benefit
or Loan etc.
Fund.
Accumulated

With Century Plan

you also get
Minimum Guarantee
on Cash Bonus*

* Minimum Guarantee of 10% on Annualized Premium during PPT in Super Income , and
Min guarantee of 30% cash bonus during Fixed Income Period in Future Income Option
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 Century Plan’s advantages over Mutual Fund /ULIP

No impact of No Reduction No impact on

Liquidity from

1 2 3 4 5
Capital is LTCG or STCG in life cover post accumulated
the first
Guaranteed on any gains withdrawal bonus from
month unlike
unlike MF / of accumulated volatility in
ULIP & MF
ULIP bonus. market

Enjoy limited equity

exposure & superior
flexibilities with
Century Plan

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 Option PPT Term Bonus @ Base Sum Assured
Accumulation 5 Pay 10 Years 4.7%
Accumulation 7 Pay 14 Years 4.5%
Accumulation 10 Pay Up to 19 Years 4.3%
Accumulation 10 Pay 20 Years 4.6%
Liquidity 5 & 10 Pay All Terms 4.7%
Liquidity 7 Pay All Terms 4.2%

Bonus rates are for PNB MetLife Super Saver Plan with equity exposure up to 20% for FY -19-20

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 Our AUM is consistently growing in the last 10 years

31000
28251

22391
20353
17241
15159
12736 13745
9925 10929
8849

2012 2013 2014 2015 2016 2017 2018 2019 2020 2021

Source: Investment Systems (Internal), AUM Details in Rs Crore

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 Our Par fund is consistently growing in the last 10 Years

Our Par Fund 0.7%

is one of the
8.1%
largest 12066
among
Private 10133
Insurers 8491
34.0%
6874 57.2%
5383
4224
3316
2562
1778
1214
Government Bonds (Central & State)

Corporate Bonds
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Equity

Cash

• Par Fund portfolio composition oriented towards high quality debt securities.
• Equity allocation to generate superior risk adjusted returns over the long term.
Source: Investment Systems (Internal); AUM Details in Rs Crore Par Fund Asset Allocation as on 31-Mar-2021
THIS IS AN INTERNAL CIRCULATION DOCUMENT FOR TRAINING PURPOSE ONLY. UNAUTHORIZED DUPLICATION, IN W HOLE OR IN PART, IS STRICTLY PROHIBITED
 Our Par fund performance has been consistent with
a yield of more than 8% for 10 years in a row

Our par fund has given 8%

returns with 8.1% equity
allocation. Century plan can
have up to 20%/40% equity
10% allocation, hence returns can
be even better
9%
R 8% 9% 9% 9% 9% 9% 9% 9% 9%
E 7% 8% 8%
T 6%
U 5%
R 4%
N 3%
2%
1%
0%
FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY 19 FY 20
Source: PNB MetLife Public Disclosures/ L22
Investment Yields have been rounded to the nearest whole number. Non-linked Participating: Investment Yield (With Realised Gains)

The above figures have been taken from historic Public Disclosures Form L22 for FY 2011 to FY 2020 of the Company. The investment yield displayed in the graph is
for non-linked participating portfolio. Past performance is not necessarily indicative of future performance. The above figures may not reflect the returns in the
insurance policy. THIS IS AN INTERNAL CIRCULATION DOCUMENT FOR TRAINING PURPOSE ONLY. UNAUTHORIZED DUPLICATION, IN W HOLE OR IN PART, IS STRICTLY PROHIBITED
 Par Fund: Credit Composition of Debt AUM

% of Debt AUM
3.3%

96.7% of the Debt portion of

our Par Fund is allocated towards
34.0% Government securities and
AAA rated Corporate Bonds.
62.7%
This is why our Par fund is
one of the Best-in-Class.

Government Bonds AAA Below AAA

*As on 31-Mar-2021, Source: Investment Systems (Internal)
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 Jaspreet

About PNB
MetLife

14
 MetLife Inc.

Introduction Exemplary 153 years of service & Innovation in field of Life Insurance.

THIS IS FOR INTERNAL CIRCULATION AND TRAINING ONLY

Leading global provider of Life , Accident & Health, Retirement & Saving products in
Portfolio
more than 40 Global Markets.

Network Serving 90 of the world’s top 100 Fortune 500 Companies in US.

Recognized as one of the Worlds Most Admired Companies by Fortune Magazine in 2021
Trust
and coveted with “ Most Trusted Brand” by Readers Digest.

Please use Pic of MetLife HQ in New York

Source: *MetLife Website

15
 Punjab National Bank

Punjab National Bank is the 2nd largest public sector bank in India with over 127
Introduction Years of experience in serving the nation & Global Business of Rs.18,09,587 crore.

THIS IS FOR INTERNAL CIRCULATION AND TRAINING ONLY

Domestic deposits* of more than Rs.10.52 Lakh Crore & Domestic Business of the
Portfolio Bank which is now over Rs.17.57 lakh crore.

Customer Base Customer base of PNB Bank as on Dec 20’ stood around 18 Cr.

Post amalgamation of OBC & UNI w.e.f 01.04.2020, PNB has expanded its presence
Amalgamated across India with a network of 10925 branches, 13914 ATMs & 12346 Business
Entity Correspondents.
Source: *PNB Website
 Key Highlights – PNB MetLife

Present since 20 years

& among Top 10 Private
life Insurer*

Wide range of products

Covering all major financial
needs 2nd largest bank assurance
platform
17 Lakh Customers with with access to 13000+ branches
107 branches & 723 districts with more than 18
Employees 11000+ Cr Customer base

CAGR of 16% in total new

business premium from
fiscal 2017 to fiscal 2020
Information as per the website#

AUM of 24,701 CR.

as on Aug 31, 2020 Growing stronger year by year - FY 2019-20 - Total Premiums
increased by 15%, while New Business Premiums grew to
On ANBP Basis*

1,779 cr.
Claim Ratio of 97.18%
for FY 19-20

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Claim Assure – 3 Hr. 24 Hours

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Khushi App

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