Quotation/Proposal Number 70015043015 Quotation/Proposal Date 17 - Nov - 2023

PNB MetLife India Insurance Co. Ltd.

Benefit Illustration for PNB MetLife Century Plan (UIN No. :117N129V01)
Individual, Non-Linked, Participating, Savings, Life Insurance Plan
Personal details
Name of the Life Assured Tast Name of the Product PNB MetLife Century Plan
Age of Life Assured 38 Tag Line Individual, Non-Linked, Participating, Savings, Life Insurance Plan
Gender of Life Assured Male UIN 117N129V01

Name of Policyholder Tast GST rate applicable 1st year / 2nd year onwards 4.500% / 2.250%
Age of Policyholder 38
Gender of Policyholder Male
Is client an employee? No
Policy Term 42 years
Premium Payment Term 15 years
Amount of Instalment Premium 30,000
Mode of payment of Premium Annual

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 Options Death Benefit multiple 10.25 Annualised Premium (Rs.) 30,000
Plan Option Smart Income Base Sum Assured (Rs.) 3,00,000 Age Extra No
Maturity Option Upto Age 80 Sum Assured on Death (at inception of policy) (Rs.) 3,07,500 Health Extra No
Family Care Benefit No High Premium Reward No

Bonus Type Cash Bonus

Income payout mode Annual
Premium Summary
Base Plan Age Extra Health Extra Total Installment Premium
Installment Premium without GST (Rs.) 30,000 0 0 30,000
Installment Premium with First Year GST (Rs.) 31,350 0 0 31,350 Premium to be
Installment Premium with GST Second Year Onwards (Rs.) 30,675 0 0 30,675 collected

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
 Base Policy Benefit Details
Total Benefits including Guaranteed and Non-Guaranteed Benefits
Guaranteed benefits Non-Guaranteed benefits @4% Non-Guaranteed benefits @8%
Survival Benefit Maturity Benefit Death Benefit Surrender Benefit
Total Total Total Total Total
Age of Annualised Total Survival Maturity Maturity Death Death Total Total
Policy the Life premium* Min.
Year Assured Guaranteed Fixed Surrender Death Maturity Accrued Cash Fixed Surrender Accrued Cash Fixed Surrender Survival Benefit Benefit, Benefit, Benefit, Benefit, Surrender Surrender
(Rs.) Cash Bonus Income Benefit** Benefit Benefit Reversionary Bonus Income Benefit** Reversionary Bonus Income Benefit** Benefit @8% including including including including Value Value
(years) (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) @4% Terminal Terminal Terminal Terminal @4% @8%
(Rs.)
(15) = Bonus, if Bonus, if Bonus, if Bonus, if
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) = (1+ 11+ any @4% any @8% any @4% any @8% (20) = (21) =
(1+7+8) 12) (3+9) (3+13)
(16) (17) (18) (19)
1 38 30,000 0 0 0 3,07,500 0 0 5,715 0 0 0 11,250 0 0 5,715 11,250 0 0 3,13,215 3,18,750 0 0
2 39 30,000 0 0 18,000 3,07,500 0 0 5,715 0 5,715 0 11,250 0 11,250 5,715 11,250 0 0 3,13,215 3,18,750 23,715 29,250
3 40 30,000 0 0 31,500 3,07,500 0 0 5,715 0 11,430 0 11,250 0 22,500 5,715 11,250 0 0 3,13,215 3,18,750 42,930 54,000
4 41 30,000 0 0 60,000 3,07,500 0 0 5,715 0 17,145 0 11,250 0 33,750 5,715 11,250 0 0 3,13,215 3,18,750 77,145 93,750
5 42 30,000 0 0 75,000 3,07,500 0 0 5,715 0 22,860 0 11,250 0 45,000 5,715 11,250 0 0 3,13,215 3,18,750 97,860 1,20,000
6 43 30,000 0 0 95,400 3,07,500 0 0 5,715 0 28,575 0 11,250 0 56,250 5,715 11,250 0 0 3,13,215 3,18,750 1,23,975 1,51,650
7 44 30,000 0 0 1,17,600 3,07,500 0 0 5,715 0 34,290 0 11,250 0 67,500 5,715 11,250 0 0 3,13,215 3,18,750 1,51,890 1,85,100
8 45 30,000 0 0 1,41,600 3,07,500 0 0 5,715 0 40,005 0 11,250 0 78,750 5,715 11,250 0 0 3,13,215 3,18,750 1,81,605 2,20,350
9 46 30,000 0 0 1,67,400 3,07,500 0 0 5,715 0 45,720 0 11,250 0 90,000 5,715 11,250 0 0 3,13,215 3,18,750 2,13,120 2,57,400
10 47 30,000 0 0 1,95,000 3,15,000 0 0 5,715 0 51,435 0 11,250 0 1,01,250 5,715 11,250 0 0 3,15,000 3,18,750 2,46,435 2,96,250
11 48 30,000 0 0 2,24,400 3,46,500 0 0 5,715 0 80,400 0 11,250 0 1,56,900 5,715 11,250 0 0 3,46,500 3,46,500 3,04,800 3,81,300
12 49 30,000 0 0 2,55,600 3,78,000 0 0 5,715 0 81,630 0 11,250 0 1,68,900 5,715 11,250 0 0 3,78,000 3,78,000 3,37,230 4,24,500
13 50 30,000 0 0 2,88,600 4,09,500 0 0 5,715 0 81,660 0 11,250 0 1,80,300 5,715 11,250 0 0 4,09,500 4,09,500 3,70,260 4,68,900
14 51 30,000 0 0 3,23,400 4,41,000 0 0 5,715 0 80,790 0 11,250 0 1,91,700 5,715 11,250 0 0 4,41,000 4,41,000 4,04,190 5,15,100
15 52 30,000 0 0 3,60,000 4,72,500 0 0 5,715 0 80,010 0 11,250 0 2,03,100 5,715 11,250 0 0 4,72,500 4,72,500 4,40,010 5,63,100
16 53 0 0 0 3,73,500 4,72,500 0 0 6,288 0 85,725 0 13,500 0 2,19,600 6,288 13,500 0 0 4,72,500 4,72,500 4,59,225 5,93,100
17 54 0 0 0 3,87,000 4,72,500 0 0 6,288 0 92,013 0 13,500 0 2,39,100 6,288 13,500 0 0 4,72,500 4,72,500 4,79,013 6,26,100
18 55 0 0 0 4,00,500 4,72,500 0 0 6,288 0 98,301 0 13,500 0 2,59,200 6,288 13,500 0 0 4,72,500 4,72,500 4,98,801 6,59,700
19 56 0 0 0 4,05,000 4,72,500 0 0 6,288 0 1,04,589 0 13,500 0 2,88,600 6,288 13,500 0 0 4,72,500 4,72,500 5,09,589 6,93,600
20 57 0 0 0 4,05,000 4,72,500 0 0 6,288 0 1,15,854 0 13,500 0 3,23,400 6,288 13,500 0 0 4,72,500 4,72,500 5,20,854 7,28,400
21 58 0 0 0 4,05,000 4,72,500 0 0 6,288 0 1,32,930 0 13,500 0 3,58,500 6,288 13,500 0 0 4,72,500 4,72,500 5,37,930 7,63,500
22 59 0 0 0 4,05,000 4,72,500 0 0 6,288 0 1,50,006 0 13,500 0 3,94,200 6,288 13,500 0 0 4,72,500 4,72,500 5,55,006 7,99,200
23 60 0 0 0 4,05,000 4,72,500 0 0 6,288 0 1,67,382 0 13,500 0 4,30,800 6,288 13,500 0 0 4,72,500 4,72,500 5,72,382 8,35,800
24 61 0 0 0 4,05,000 4,72,500 0 0 6,288 0 1,85,058 0 13,500 0 4,68,300 6,288 13,500 0 0 4,72,500 4,72,500 5,90,058 8,73,300
25 62 0 0 0 4,05,000 4,72,500 0 0 6,288 0 2,02,734 0 13,500 0 5,06,400 6,288 13,500 0 0 4,72,500 4,72,500 6,07,734 9,11,400
26 63 0 0 0 4,05,000 4,72,500 0 0 6,288 0 2,20,710 0 13,500 0 5,45,700 6,288 13,500 0 0 4,72,500 4,72,500 6,25,710 9,50,700
27 64 0 0 0 4,05,000 4,72,500 0 0 6,288 0 2,38,986 0 13,500 0 5,86,200 6,288 13,500 0 0 4,72,500 4,72,500 6,43,986 9,91,200
28 65 0 0 0 4,05,000 4,72,500 0 0 6,288 0 2,57,262 0 13,500 0 6,27,600 6,288 13,500 0 0 4,72,500 4,72,500 6,62,262 10,32,600
29 66 0 0 0 4,05,000 4,72,500 0 0 6,288 0 2,76,138 0 13,500 0 6,70,800 6,288 13,500 0 0 4,72,500 4,72,500 6,81,138 10,75,800
30 67 0 0 0 4,05,000 4,72,500 0 0 6,288 0 2,94,714 0 13,500 0 7,15,500 6,288 13,500 0 0 4,72,500 4,72,500 6,99,714 11,20,500
31 68 0 0 0 4,05,000 4,72,500 0 0 6,858 0 3,04,590 0 15,750 0 7,62,000 6,858 15,750 0 0 4,72,500 4,72,500 7,09,590 11,67,000
32 69 0 0 0 4,05,000 4,72,500 0 0 6,858 0 3,15,006 0 15,750 0 8,12,700 6,858 15,750 0 0 4,72,500 4,72,500 7,20,006 12,17,700
33 70 0 0 0 4,05,000 4,72,500 0 0 6,858 0 3,24,222 0 15,750 0 8,66,100 6,858 15,750 0 0 4,72,500 4,82,850 7,29,222 12,71,100
34 71 0 0 0 4,05,000 4,72,500 0 0 6,858 0 3,38,799 0 15,750 0 9,21,900 6,858 15,750 0 0 4,72,500 5,07,150 7,43,799 13,26,900
35 72 0 0 0 4,05,000 4,72,500 0 0 6,858 0 3,57,132 0 15,750 0 9,80,400 6,858 15,750 0 0 4,72,500 5,34,150 7,62,132 13,85,400

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
 Base Policy Benefit Details
Total Benefits including Guaranteed and Non-Guaranteed Benefits
Guaranteed benefits Non-Guaranteed benefits @4% Non-Guaranteed benefits @8%
Survival Benefit Maturity Benefit Death Benefit Surrender Benefit
Total Total Total Total Total
Age of Annualised Total Survival Maturity Maturity Death Death Total Total
Policy the Life premium* Min.
Year Assured Guaranteed Fixed Surrender Death Maturity Accrued Cash Fixed Surrender Accrued Cash Fixed Surrender Survival Benefit Benefit, Benefit, Benefit, Benefit, Surrender Surrender
(Rs.) Cash Bonus Income Benefit** Benefit Benefit Reversionary Bonus Income Benefit** Reversionary Bonus Income Benefit** Benefit @8% including including including including Value Value
(years) (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) @4% Terminal Terminal Terminal Terminal @4% @8%
(Rs.)
(15) = Bonus, if Bonus, if Bonus, if Bonus, if
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) = (1+ 11+ any @4% any @8% any @4% any @8% (20) = (21) =
(1+7+8) 12) (3+9) (3+13)
(16) (17) (18) (19)
36 73 0 0 0 4,05,000 4,72,500 0 0 6,858 0 3,76,185 0 15,750 0 10,42,800 6,858 15,750 0 0 4,72,500 5,65,050 7,81,185 14,47,800
37 74 0 0 0 4,05,000 4,72,500 0 0 6,858 0 3,95,628 0 15,750 0 11,09,400 6,858 15,750 0 0 4,72,500 6,00,150 8,00,628 15,14,400
38 75 0 0 0 4,05,000 4,72,500 0 0 6,858 0 4,15,806 0 15,750 0 11,81,100 6,858 15,750 0 0 4,72,500 6,40,350 8,20,806 15,86,100
39 76 0 0 0 4,05,000 4,72,500 0 0 6,858 0 4,36,389 0 15,750 0 12,58,800 6,858 15,750 0 0 4,72,500 6,86,550 8,41,389 16,63,800
40 77 0 0 0 4,05,000 4,72,500 0 0 6,858 0 4,58,457 0 15,750 0 13,44,000 6,858 15,750 0 0 4,72,500 7,40,250 8,63,457 17,49,000
41 78 0 0 0 4,05,000 4,72,500 0 0 6,858 0 4,96,590 0 15,750 0 13,75,500 6,858 15,750 0 0 4,72,500 7,40,250 9,01,590 17,80,500
42 79 0 0 0 0 4,72,500 4,50,000 0 6,858 0 0 0 15,750 0 0 6,858 15,750 5,94,000 9,39,000 4,72,500 8,12,250 0 0

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. Refer Sales literature for explanation of terms used in this illustration.
**In case cash bonuses have been paid out, the same (alongwith Fixed Income payout) shall be deducted from the Surrender Values indicated, at the time of payout.
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 Century 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 illustration in conjunction with the product brochure carefully to understand all Terms, Conditions 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 sections 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 have been rounded off to the nearest rupee wherever applicable.
7. Cash bonus will be subject to a guaranteed minimum Cash Bonus Rate during premium payment term if Super Income Option is chosen and during Fixed Income Payout Period (as applicable) if Future Income option is chosen.
8. Fixed Income is equal to Sum of all accrued Simple Reversionary Bonuses divided by Fixed Income Payout Period (as applicable). Fixed Income Payout Period commences from 15th policy year and equal to outstanding term ll maturity or specified fixed period;
whichever is earlier. Such specified fixed period is 30 years for maturity age option 100 years and 20 years for maturity age option 80 years.
9. 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).
The death or surrender values at any time other than at the end of the policy year will be lower than those illustrated above.
10. 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 expecta ons of
investment return on the funds and the actual investment returns may be higher or lower.
11. The maximum amount of policy loan payable is limited to 80% of the 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.
12. In case of any conflict between this benefit illustration and your policy document, the latter shall prevail.
13. 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.
14. The policy will acquire a surrender value after payment of two full years' premium and the policy can continue with paid up
15. Terminal Bonus (if any) shall be payable post premium payment term or 10 years whichever is earlier in the event of death of Life Assured, surrender or maturity
16. Surrender Value payable is taken as the higher of Guaranteed Surrender Value and Special Surrender Value. Please read the Policy document for more details.
17. For more details on risk factors, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
18. 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).

I, …...................... (name), have explained the premiums, and benefits under the product fully to the prospect / policyholder. I, …...................... (name), having received the informa on with respect to the above, have understood the above statement
before entering into the contract.

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

Financial Advisor/Specified Person/Authorized Person of Broker Code/IMF: _________________

Branch/Location: _________________________ 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