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    PNB MetLife - POS Suraksha

    Individual, Non-Linked, Non-participating, Savings Life Insurance Plan with Return of Premiums | UIN: 117N119V03

    An individual, savings insurance plan, PNB MetLife- POS Suraksha designed with an easy enrolment process that offers regular monthly income to ensure complete financial stability for your family.

    PNB MetLife - POS Suraksha in a nutshell
    • Protection for your family
    • Return of Premiums on survival till maturity
    • Flexibility to pay premiums for 5 years or 10 years
    • Easy enrolment process

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    What you get

    What you don’t get

    Suicide Exclusion

    In case of death of the Life Assured due to suicide within 12 months from the date commencement of risk coverage under the policy or from the date of revival of the policy, the Nominee will be entitled to receive at least 80% of the Total Premiums Paid till the date of the death or the Surrender Value as available on the date of death, whichever is higher, provided the Policy is in force.

    Frequently Asked Questions

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    What is PNB MetLife - POS Suraksha?

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    Presenting PNB MetLife – POS Suraksha – an individual, non-linked, non-participating, savings life insurance plan with Return of Premiums that is hassle free and ensures peace of mind with regular monthly income for your family in case of your untimely demise or provides return of all premiums on survival till maturity.

    What are the Key Highlights of this plan?

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    Simple to understand:All your benefits are guaranteed and explained upfront

    • Protection:Get life cover for the entire policy term
    • Easy Enrolment:Hassle free enrolment with no medicals
    • Guaranteed Payout:100% of Total premiums paid at the end of the policy term
    • Flexibility:
      - Select premium paying term of 5 years with a 10 year policy term or select 10 years premium paying term with policy terms 10 / 15 years or 15 years premium paying term with policy term of 15 years
      - Opt for either lump sum or regular monthly income as death benefit
    • Tax benefits:You may be eligible for tax benefits on premiums paid and benefits received, as per prevailing tax laws

    What are the Key Benefits of this plan?

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    • Protection for your family
    • Return of Premiums on survival till maturity
    • Flexibility to pay premiums for 5 years or 10 years
    • Easy enrolment process

    What are the Death Benefits of this plan?

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    In the event of the unfortunate death of the Life Assured during the policy term, Sum Assured on Death will be payable. Where Sum Assured on Death is the highest of:

    • 10 times of the Annualized Premium
    • Basic Sum Assured, which is the absolute amount assured to be paid on death 
    • 105% of the total Instalment Premiums received as on the date of the Life Assured’s death

    Death Benefit Option:

    • On death of Life Assured, the Company shall pay Death Benefit to the Nominee as Lump sum or level monthly instalments based on the option chosen by the Life Assured at the time of inception of policy.

    Lump Sum Option:

    • If the Lump sum Option is in force, the Sum Assured on Death shall be paid in one lump sum.

    Level Monthly Income Option:

    • If level monthly income option is chosen by the Life Assured, the death benefit will be paid as level monthly income over 120 months, where monthly income factor is 1.10%. The first payment is made at the end of one month from the date of death of Life Assured.

    For example:

    • Where Sum Assured on Death is Rs. 3,00,000, the Level Monthly income amount payable will be calculated as 1.10% * 3,00,000 = Rs.3,300 (Total income paid over 120 months to the nominee will be Rs.3,96,000)
    • The policy will terminate with the payment of death claim amount.

    What are the Maturity Benefits of this plan?

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    On survival of the Life Assured till the Maturity Date, the Sum Assured on Maturity which is equal to 100% of the Total Premiums Paid1 will be paid. The policy will terminate on payment of the Maturity Benefit amount.

    1 Total Premiums Paid will be equal to all premiums payable during the premium paying term of the policy excluding taxes paid by the policyholder.

    What are the eligibility criteria for this plan?

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    Boundary Conditions

    Eligibility Criteria

    Age* at entry (Years)

    Minimum: 18
    Maximum: For Policy term 10: 55
    For Policy term 15: 50

    Maximum age* at maturity (Years)


    Premium Paying Term (PPT) (Years)

    5 / 10

    Policy Term (Years)

    For PPT 5: 10
    For PPT 10: 10 or 15
    For PPT 15: 15

    Maximum Premium (Rs.)

    As per maximum Basic Sum Assured of Rs.15,00,000

    Minimum Basic Sum Assured (Rs.)


    Maximum Basic Sum Assured (Rs.)

    25,00,000 (in multiples of 50,000)

    Premium Payment modes

    Yearly / Half-yearly / Monthly

    Death Benefit Option

    Monthly Income: Income Payout period will be 120 months (10 years)
    Lumpsum: Death benefit will be paid as lumpsum

    Premium Payment Options

    Policy Term

    Annual Mode (Rs.)

    Half-Yearly Mode (Rs.)^

    Monthly Mode (Rs.)^





















    * All references to age are as on age last birthday 
    ^ The Premium for Premium Payment modes (other than Annual) are calculated by multiplying the Annualised Premium by the applicable Modal Factors

    How can I buy PNB MetLife- POS Suraksha?

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    You can purchase this plan offline through any of the following methods:

    • Send me an Advisor
    • Visit the Nearest Branch
    • Contact us


    PNB MetLife - POS Suraksha (UIN: 117N119V03) is an Individual, Non-linked, Non-participating, Savings Life Insurance Plan with Return of Premiums. Benefit option, chosen at inception, cannot be altered during the term.
    For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. 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.


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



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    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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