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    Genius Plan

    PNB MetLife Genius Plan

    An Individual, Non-Linked, Non-Participating, Savings. Life Insurance Plan | UIN: 117N135V02

    Key Benefits of PNB MetLife Genius Plan
    • Guaranteed benefits to secure your child’s future
    • Increasing income benefits with Wealth booster additions growing @5% every 5 years
    • Flexibility to choose your income payout period*
    • Assured achievement of financial goals with in-built Waiver of Premium on Death
    • Higher benefit for girl child#
    • Life cover protection throughout the policy term

    *Income payout period can be chosen only at inception and cannot be altered during the policy term
    #Guaranteed Income Factor will be enhanced by 1.5% for policies with female child as Life assured under Child Secure option only.

    What it Covers?


    Introducing PNB MetLife Genius Plan, a savings plan that provides you guaranteed benefits and helps you create your own unique payout structure as per your needs.

    This plan protects your child’s goal with in-built Waiver of premium on death in your absence ensuring continued benefits.

    It is specially designed to help you save for your child’s important milestone and help them achieve their dreams.

    With PNB MetLife Genius Plan you can get:

    1Guaranteed Income Factor will be enhanced by 1.5% if the life assured is a female life in case of Child Secured Option. If a policy is eligible for this benefit, the same can be availed only at inception of the policy and cannot be altered subsequently.

    Benefits with PNB MetLife Genius Plan
    Death Benefit

    Death Benefit

    Income Benefit

    Income Benefit

    Eligibility Criteria

    Eligibility Criteria

    Other Benefits:

    Other Benefits:

    Future Secure:

    On unfortunate demise of the Life Assured:

    • Future instalment premiums if any, shall be waived off
    • Income benefit shall be payable at the respective future due date(s)
    •Excess of Sum Assured over present value of future income benefits, will be payable immediately on death as lumpsum

    The policy terminates once all the income benefits are paid during the policy term.

    Child Secure:

    On unfortunate demise of the Policyholder:

    • Future instalment premiums if any, shall be waived off
    • Income benefit shall be payable at the respective future due date(s)

    On unfortunate demise of the Life Assured:

    Sum Assured on Death will be paid, and the policy shall immediately and automatically terminate

    Sum Assured on Death shall be defined as higher of:
    a. 10 times the Annualized Premium
    b. 105% of Total Premiums Paid till date of death

    On survival of the life assured and provided all premiums have been paid, income benefits3 shall be paid during the income payout period

    Income benefit payable in each policy year is the sum of –
    a) Guaranteed Income**: Annualised Premium x Guaranteed Income Factors
    b) Sum of accrued Guaranteed Additions divided by the Income Payout Period,
    c) Wealth Booster 

    Guaranteed Income Factors are based on entry age, Premium Paying Term, Policy Term, Income Payout Period, premium amount, and option chosen

    Guaranteed Additions (GA) = 15% of Total Annualised Premium paid till date, will accrue to the Policy at each Policy Anniversary during Premium Payment Term, provided the Policy is in In-force Status
    Wealth Booster = Applicable Guaranteed Wealth Booster Factor x (Guaranteed Income + Sum of Accrued GA / Income Payout Period). 

      Policy Year under Income Pay out Period
    1st to 5th Year 6th to 10th Year 11th to 15th Year 16th to 20th Year
    Wealth Booster Factors 5% 10% 15% 20%

    3For further details regarding income benefits, please refer to the sales brochure.

    Criteria Boundary Conditions
    Premium Paying Term (PPT) (Years)
    PPT Policy Term (PT)
    5 Years 10 to 25 Years
    7 Years 12 to 25 Years
    10 Years 15 to 25 Years
    Policy terms (Years)
    Income Payout Period Minimum: 1 year
    Maxmium: 20 years (PPT 5) | 18 years (PPT 7)| 15 years (PPT 10)
    Deferment Min: 1 year Max: Based on PT, PPT & No. Of payouts chosen
    Premium Payment modes Yearly/ HaIf Yearly/ Quarterly/ Monthly
    Riders PNB MetLife Accidental Death Benefit Rider Plus
    PNB MetLife Serious Illness Rider


    • Flexibility to accumulate income benefit
    • Flexibility to choose income payout mode (Annual/Half-Yearly/Quarterly/Monthly)
    • Option to choose Waiver of Premium on ATPD (Accidental Total Permanent Disability) for additional protection 

    Please fill out personal information

    Thank you for your interest in PNB MetLife Solutions, the brochure has been sent to your email ID.

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    Collapsed Expanded

    PNB MetLife Genius Plan is An Individual, Non-linked, Non-participating, Savings, Life Insurance Plan (UIN: 117N135V02) **Terms & Conditions Apply, 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 sales brochure carefully before concluding a sale. Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time. This product brochure is only indicative of terms, conditions, warranties and exceptions contained in the insurance policy. The detailed Terms and Conditions are contained in the Policy Document. ^Tax benefits are as per the 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 to change from time to time. 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. AD-F/2022-23/744

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