PNB MetLife DigiProtect: Buy Best Term Insurance Plan @546/m

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PNB MetLife DigiProtect Term Plan is designed to match the way life really unfolds —flexible, thoughtful, and future-ready. From offering immediate financial support during difficult times to valuing every role within a family, it brings you peace of mind today and security for tomorrow. With the option to step away and get back what you’ve invested, it puts you in control of your financial journey. And if life takes an unexpected turn, it ensures your loved ones receive timely support, without delays. It’s more than just protection—it’s the confidence to live boldly, knowing the future is in safe hands.

PNB MetLife DigiProtect Term Plan in a Nutshell:

Life Cover with early payout on diagnosis of Terminal Illness
Choice of Benefit Payout option to Nominee at the time of claim – ensuring financial support in the most suitable form
Option to take Premium Break³ during financially challenging times
Option to exit the Policy once your need for cover is over and receive all the premiums paid back as Special Exit value⁴
Express Claim Payout⁵ when your family needs it most
Enhanced Affordability with exclusive discounts¹ for salaried individuals, tax filers and online buyers

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Highlights of PNB MetLife DigiProtect Term Plan

Premium Break³

Option to defer the payment of a due Premium for a period of 12 consecutive months from the next Instalment Premium due date independent of Policy Anniversary, while maintaining the full risk cover under the Policy.

Special Exit Value⁴

Option to exit the Policy and receive 100% of Total Premiums Paid back as Special Exit value⁴ as per the terms and conditions.

Express Claim Payout⁵

Ensures quick financial support of Rs 3 lacs as an accelerated benefit within 1 working day from claim registration date for the nominee to manage urgent expenses during a difficult time.

Early Payout on Terminal Illness

Accelerated payment of Death Benefit in case of diagnosis of Terminal Illness.

Benefit Payout Option

Empowers the nominee with choice to receive the benefit in a manner that best suits their financial situation – either as Lumpsum, Monthly Income or Lumpsum plus Monthly Income.

Enhanced Affordability

Offers discount¹ on first year premium, providing customers with a cost-effective start to their protection journey.

What you don’t get

Suicide Exclusion

In case of death due to suicide within 12 months from the Date of Commencement of Risk under the Policy or from the date of Revival of the Policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death, provided the Policy is in force.
Total Premiums Paid means total of all the premiums paid under the base product, excluding any extra premium and taxes, if collected explicitly.

Frequently Asked Questions

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What is the Death Benefit payable under this Plan?

In the unfortunate event of the death or diagnosis of Terminal Illness of Life Assured any time during the Policy Term, provided the Policy is in-force, ‘Sum Assured on Death’ shall be payable to the Claimant as per the Benefit Payout option chosen at the time of the claim.

Where, ‘Sum Assured on Death’ is higher of:

7 times the Annualized Premium
105% of Total Premiums Paid up to date of death or diagnosis of Terminal Illness.
Basic Sum Assured, which is the absolute amount assured to be paid on death

Payment of the above benefit shall be made on the first occurrence of either death or diagnosis of Terminal Illness, whichever is earlier.

The Death Benefit shall not be payable if the Terminal Illness Benefit has previously been paid.

The Policy terminates with the payment of 100% of the Death or Terminal Illness claim amount.

What is the Maturity Benefit payable under this Plan?

There is no Maturity Benefit payable under this plan

What is the Eligibility Criteria for this Plan?

Particulars	Minimum	Maximum
Age^* at entry	18 years	For Regular Pay, Limited Pay (10,15, 20): 60 years For Pay till 60: 49 years
Maturity Age^*	28 years	85 years
Policy Term	Regular Pay: 10 years Limited Pay- 10,15,20 Years & Pay till 60: PPT + 1 Year	67 years
Sum Assured	Rs. 50,00,000	No Limit, subject to Board Approved Underwriting Policy (BAUP)
Premium Paying Term	Regular Pay Limited Pay- 10,15, 20 Years, Pay till 60
Premium Payment Mode	Annual, Half-Yearly, Quarterly and Monthly**

^*All references to age are as on age last birthday
^**Monthly mode is available for Standing instruction/direct debit options (including Electronic Clearing System (ECS), and Automated Clearing House (ACH)

When and for how many times Premium Break³ can be opted?

Premium Break³ option is allowed to be exercised after completion of three (3) Policy Years from the Date of Commencement of Risk provided all due Instalment Premiums have been paid in full and the Policy is in-force.

Premium Break³ Benefit may be exercised multiple times during the Policy Term, subject to a minimum interval of five (5) Policy Years between two successive Premium Breaks³. If You exercise the Premium Break³ in the last 5 years of the Policy, then the next Premium Break³ shall not be allowed. Further, this Benefit shall not be available during the last year of the Premium Paying Term.

What is the discount¹ available under this Plan?

5% discount¹ on First-Year Premium is applicable for Salaried Customers

4% discount¹ on First-Year Premium is applicable for Income Tax Filers.

12% discount¹ on First-Year Premium is applicable for customers purchasing through the online channel.

Disclaimers:

PNB MetLife DigiProtect Term Plan (UIN: 117N141V01) is an Individual, Non-Linked, Non-Participating, Pure Risk, Life Insurance Plan.

Terms & Conditions Apply.
¹Discounts on First-year Premium—5% for Salaried Customers, 4% for Income Tax Filers, and 12% for Online Channel purchases.
²Individual Death Claim Settlement Ratio as per latest annual audited figures reported to IRDAI for FY 24-25.
³Option 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.
⁴On 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.
⁵Accelerated 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. For more details, please refer Sales Brochure/Policy Terms and Conditions.
For more details on terms & conditions, please read the Sales brochure carefully before concluding any sale. 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. Trade Logo displayed above belongs to Punjab National Bank and Metropolitan Life Insurance Company and used by PNB MetLife India Insurance Company Limited under License. Call us Toll-free at 1-800-425-6969, Website: www.pnbmetlife.com, Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra.
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