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    Things you didn't know about life insurance

    Last Updated On 03-11-2016

    What is life insurance? Life insurance plans are essential as they compensate your dependents or the policy beneficiaries in the unfortunate event of the policy holder’s death, provided he has been duly paying his premiums. Besides being a straightforward policy, a life insurance policy can also be as an advanced, sophisticated financial planning tool. Here are some ways how;

    1. Loans against insurance:
      There are times when one may be in need of a  corpus to  supplement retirement, or medical treatment. In such a case one can consider taking against insurance.  (This is not description for loans against insurance)
    2. Terminal illness benefits:
      There is a possibility of accessing some part of the death benefits before you die in case of a terminal illness. This money can be used to defray some medical costs you have incurred.
    3. Offers accidental death coverage:
      Your life insurance products may have a rider known as a Accidental Death benefit rider, according to which in the unfortunate event of death in case of an accident the beneficiaries could be paid double or triple the amount of the policy depending on the terms & conditions of the policy.
    4. Avail an additional rider
      It is better to mention riders available with us like Serious illness Benefit, Accidental disability rider, waiver of premium rider etc. 

    life insurance is an absolute must have to take care of the uncertainty that looms around life and your loved ones, but beyond that it also has other related benefits that make life simpler while you’re alive.

    If you’d like to learn more about term insurance policies, you can explore PNB MetLife’s various Term Plan.


    The aforesaid article presents the view or an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ before making any decision.

    PNB MetLife India Insurance Company Limited, Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka.
    IRDAI Registration Number 117. CI No: U66010KA2001PLC028883. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale.
    The marks “PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Call us Toll-free at 1-800-425-6969.. Phone: 080-66006969, Website:, Email: or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203

    EC292 LD/2019-20/303

    • IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.


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    Collapsed Expanded

    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at or You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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