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10.2% Guaranteed Annuity Rate for Life | PNB MetLife

Always Ready For Life

Life is unpredictable. One day you might want to climb up the corporate ladder, the other day you might want to convert your side hustle into your main hustle. Always ready for life’ is PNB MetLife’s promise that empowers you to face whatever life has in store for you by securing your future and offering you financial stability. So you may live life on your terms and embrace the future confidently.

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Retirement

Whether your goal is to step away from full-time work early or finally launch that passion project, true freedom lies in having the power to choose. With the PNB MetLife Grand Assured Income Plan, you can turn your golden years into a time for passions, not financial worries and stay #AlwaysReadyForLife.

Key Benefits

1. 10.2%1 Annuity for Life
2. Guaranteed income for lifetime2
3. Choose among 5 annuity options
4. Flexible & affordable premium payment options
5. Choice of preferred pay out date to receive your annuity payments

Savings

From your first car to growing a family, every milestone deserves financial readiness and flexibility. With the PNB MetLife Guaranteed Future Plan, your savings don’t just grow, they help turn aspirations into reality, so you’re always ready to say yes to life and stay #AlwaysReadyForLife.

Key Benefits

1. Guaranteed Returns3 with Life Cover
2. Flexibility payout – Lumpsum or Regular Income
3. Guaranteed Additions4 & Wealth Addition5 to boost your corpus
4. Tax-Free Returns6

Child Education

Whether they dream of a stethoscope or a microphone, every ambition deserves unwavering support—free from “what-ifs.” With the PNB MetLife Century Plan, you can protect your child’s dreams from life’s uncertainties and stay #AlwaysReadyForLife.

Key Benefits

1. Income till age 100 to secure your child’s dreams
2. Benefit to 3 generations
3. Waiver of Premium on Death under Family Care Benefit
• Option to accumulate and partially or fully withdraw survival benefits
• Multiple Income Options available – Super Income, Smart Income & Future Income

Term Plans

Life may be unpredictable, but your family’s financial security shouldn’t be. Being always ready for life means ensuring that your loved ones are protected, even when you’re not around—so their dreams, lifestyle and future remain uninterrupted.

Presenting PNB MetLife Digi-Protect Term Plan, a pure protection solution designed to secure your family’s financial future at an affordable cost. With high life cover and flexible payout options, it helps you build a strong safety net that stands by your family when they need it the most.

Key Benefits
1. Upto 21% Discount7 on your 1st year premium
2. Premium Breaks8
3. 100% premiums payback as Special Exit Value9
4. Express Claim Payout of 3 Lakhs10
5. Simple Quick and Fully Digital Purchase

#AlwaysReadyForLife

Life isn't just one story; it's a series of shifting dreams and evolving milestones. To be truly #AlwaysReadyForLife, you need a financial foundation that adapts to every turn.

Whether it’s backing your child’s ambition with the PNB MetLife Century Plan or turning your own aspirations into reality. With PNB MetLife Guaranteed Future Plan, we ensure you never have to compromise.

When it’s time to define your second innings, choose early retirement on your own terms with the PNB MetLife Grand Assured Income Plan. And with just a click, you remain shielded against life’s uncertainties with PNB MetLife Digi Protect Term Plan.

Why Choose PNB MetLife Insurance?

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99.57%

Individual Death Claim Settlement Ratioα

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2300 Cr+

Individual Death Claim Amount Settledβ

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₹54,000 Cr.+

Assets Under Management (AUM)γ

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~20,000

Customer access points through bancassuranceθ

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17.50 Lakh+

Customers Trustedσ

PNB MetLife Insurance - Customer Real Stories

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Rajib Singh

The branch management was excellent and provided full support throughout. I was especially impressed that a representative visited my home to handle the entire claim process personally. They took care of every detail, leading to a successful payout. The consistent updates via both SMS and email kept me perfectly informed.

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Roohi Kaushal

PNB MetLife designs its life insurance products with a deep commitment to safety and practical value. Knowing that their solutions are tailored to be truly useful gives my family a great sense of financial security.

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Susmita Yogesh Bagwe

Everything went smoothly thanks to a helpful agent and a very polite team. My work was completed right on schedule, and I especially liked how they kept me informed. Getting an SMS update before the claim arrived meant I was never left wondering about the status.

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Arunsingh Vinodsingh Digava

I was pleasantly surprised by how quickly PNB MetLife processed my work compared to other providers. They made the claim journey incredibly easy, and I didn't run into a single problem.

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Dinesh Kumari

I had a great experience with the claims team. Not only was my work completed right on schedule, but the staff was also incredibly polite and made me feel heard throughout the entire process.

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Ravi Anand Keshri

I was really impressed by how simple the whole process was. Unlike other providers that drag out claims, PNB MetLife accepted mine rapidly and ensured I received it in a timely fashion. It was a completely stress-free experience from start to finish.

FAQs

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What is the philosophy behind #AlwaysReadyForLife?

#AlwaysReadyForLife is about being financially prepared for every stage of life. Whether they’re planned milestones or life’s uncertainties. It reflects PNB MetLife’s commitment to helping you move forward with confidence.

How does PNB MetLife help you stay prepared for life’s uncertainties?

With the help of thoughtfully designed and easy to understand insurance and retirement plans, PNB MetLife gives you the confidence to build a strong foundation for your family’s dreams and your own peace of mind. Whatever your next move looks like, with the right plans, we ensure your goals remain secure and your future stays protected.

What sets PNB MetLife apart as a life insurance partner?

Backed by strong expertise and customer-first thinking, PNB MetLife focuses on long-term relationships. We believe in supporting you at every step of the way and through your evolving life goals, not just one milestone.

What does retirement look like in today’s world?

Today, retirement isn't about slowing down, it’s the perfect opportunity to start the second chapter of your life with more confidence. By planning early, you’re not just saving money, you’re buying the freedom to live exactly how you’ve always imagined.

Is early retirement realistically achievable?

With disciplined planning and the right long-term approach, early retirement can move from aspiration to possibility. Structured retirement solutions can help align your savings with your goals.

How can you ensure your income continues after your salary stops?

Retirement should be about enjoying life, not managing math. A well-planned retirement strategy creates predictable income streams that sustain your lifestyle. PNB MetLife’s retirement solutions are designed to help provide that stability ensuring your future is as comfortable as your present.

When is the right time to start planning for retirement?

The right time is as early as possible. By starting now, you give your investments the room they need to grow. This makes the financial independence a reality rather than just a goal, because financial freedom isn't just about how much you save, but how long you save.

Disclaimer:

PNB MetLife DigiProtect Term Plan (UIN: 117N141V01) is an Individual, Non Linked, Non Participating, Pure Risk, Life Insurance Plan; PNB MetLife Guaranteed Future Plan (UIN: 117N124V16) is an Individual, Non Linked, Non Participating, Savings Life Insurance Plan; PNB MetLife Century Plan (UIN: 117N129V02) is an Individual, Non Linked, Participating, Savings Life Insurance Plan; and PNB MetLife Grand Assured Income Plan (UIN: 117N134V08) is an Individual, Non Linked, Non Participating, Deferred Annuity Product. Terms & Conditions apply. Product benefits, guarantees, bonuses, annuity rates, and rider availability vary by plan option, age, premium payment term, and policy term. For more details on risk factors, terms & conditions, please read the sales brochure carefully before concluding a sale.
Tax Disclaimer - Tax benefits are as per Income Tax Laws in force & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details.
110.2% is shown for healthy male, non-smoker age 50 years, Annualized premium of Rs.5 lakhs exclusive of all taxes, Premium payment term of 3 years, deferment period 10 years, Life Annuity with Return of Purchase Price option chosen, Annuity frequency - Annual.
2Not Available for Option A – Life Annuity Option
3Terms and conditions apply
4Guaranteed Additions (GA) will accrue throughout Premium Payment Term as a percentage of Annualised Premium and will vary based on Premium payment term, entry age and benefit option chosen
5Wealth Additions (WA) will be available with ‘Endowment’ & ‘Income + Lumpsum’ options. Was accrue after completion of Premium Payment Term as a percentage of Total Premiums Payable and will vary based on Premium payment term and entry age.
6Tax benefits are as per Income Tax Act, 1961 & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details. Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject from time to time.
7Discounts on First-year Premium - 5% for Salaried Customers, 4% for Income Tax Filers, and 12% for Online Channel purchases.
8Premium Break Disclaimer - Option to avail Premium Break for 12 consecutive months after paying 3 full years Premium. Policyholder will need to pay the total outstanding amount (Deferred amount + next due Premium) at the end of the Premium Break period.
9Special Exit Disclaimer - On exit from Policy during the Policy Term, all premiums paid shall be refunded to the Policyholder. This option can be exercised in any Policy Year starting from 30th Policy Year excluding the last 4 Policy Years (for Regular Pay) and in any year starting from 25th Policy Years excluding the last 5 Policy Years (for Limited Pay). This option is not available for Policy Term less than 40 years.
10Express Claim Payout Disclaimer - Accelerated Death Benefit of Rs. 3 lacs shall be paid out from the total Sum Assured on Death within 1 working day from claim registration date subject to completion of 3 years of waiting period from the Date of Inception of the Policy or Revival whichever is later.
αAs per latest annual audited figures reported to IRDAI for FY 24-25.
β2302.27 Cr. is combined retail death claim amount settled of FY"21 (331.70 Cr.), FY"22 (669.69 Cr.), FY"23 (407.33 Cr.), FY"24 (462.20 Cr.), FY"25 (431.35 Cr.)
γAsset under management mentioned here is as per Financial Disclosure of Q1-2025
θAs per the annual report 2024-25
σ 17,55,191 number of retail customers as of 31st March 2025 (As per the annual report 2024-25)