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    PNB MetLife Mera Wealth Plan

    An investment for a secured tomorrow

    Individual, Unit-Linked, Life Insurance Plan | UIN: 117L098V03

    Introducing PNB MetLife Mera Wealth Plan, a unit-linked wealth and savings plan that enables you to create a financial blueprint for your goals at every stage in life. PNB MetLife’s Unit Linked Insurance Plans or ULIP helps you achieve your financial goals along with a life insurance cover for the financial security of your loved ones.

    PNB MetLife Mera Wealth Plan in a nutshell
    • Create your own wealth plan
    • Self-managed and systematic transfer options
    • Loyalty additions from 6th year
    • Life Cover for the entire policy term

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    What you get

    With PNB MetLife Mera Wealth Plan, you can:
    • Create an investment plan that covers your goals
    • Get good returns for your hard-earned savings
    • Choose your investment option: Self-managed option or Systematic transfer option
    • Get rewarded for staying invested, with loyalty additions
    • Protect your investment plan with a life cover

    Fund Performance

    Error

    What you don’t get

    Suicide Exclusions

    In case of death of the Life Assured, due to suicide within 12 months from the Date of Commencement of Risk, or from the date of Revival of the Policy, as applicable, Our liability to make payment under the Policy shall be limited to refunding the Fund Value as on date of intimation of Life Assured’s death. Any charges other than the Fund Management Charges (FMC) recovered subsequent to the date of death shall be added back to the Fund value as available on the date of intimation of death.

    New TAX provisions for ULIP plans

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    Frequently Asked Questions

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    What are the payment options that come with PNB MetLife Mera Wealth Plan?

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    Select the duration of premium payment

    • Single Pay, 5 Pay, 10 Pay or Regular Pay

    Choose between two plan options

    • Premier or Online

    What is the Death Benefit available with PNB MetLife Mera Wealth Plan?

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    In the event of Death of the life assured, the nominee will receive the Death Benefit which will be higher of the following:

    • Fund Value
    • The Basic Sum Assured less all Partial Withdrawals, made during two-year period immediately preceding the date of death of the Insured or
    • 105% of total premiums paid excluding partial withdrawals made during two-year period immediately preceding the date of death of the Insured

    Where, Sum Assured = Multiple * Annualized Premium (or Single Premium, as applicable)
    Multiple is defined as below:
    Single Pay: 1.25
    Other pay options: 10 or (0.5 * chosen policy term) whichever is higher

    What loyalty additions are available with PNB MetLife Mera Wealth Plan?

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    You can get Loyalty Additions every year from end of 6th policy year till maturity for both premier and online options, provided your policy is in force and all due premiums till date have been paid.

    How can I create my own wealth plan with PNB MetLife Mera Wealth Plan?

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    With this plan, you can select an investment option of your choice from:

    • Self-Managed Option 
    • Manage your investments directly.
    • Switch among ten funds, including four new funds; Mid Cap Fund, Premier Multi-Cap Fund, Virtue II, CREST (Thematic Fund)
    • Choose premium redirection depending up on your changing risk appetite and market conditions.
    • Systematic Transfer Option – Eliminate the need to time your investments in the market.

    What is the Maturity Benefit available with PNB MetLife Mera Wealth Plan?

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    (For in-force policies)
    On survival of the Life Assured till the end of the policy term, total fund value is payable.

    What are the eligibility criteria for PNB MetLife Mera Wealth Plan?

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    Premium Payment Type

    Single Pay

    5 Pay

    10 Pay

    Regular Pay

    Premium Payment
    Term (years)

    Single premium

    5

    10

    Same as policy term

    Minimum Policy
    Term (years)

    10

    10

    11

    10

    Maximum Policy
    Term (years)

    20

    20

    30

    30

    Minimum Age
    at entry (years)*

    0 (30 days)

    0 (30 days)

    0 (30 days)

    0 (30 days)

    Maximum Age
    at entry (years)*

    60

    54

    60 (policy term<=25 years),
    55 (policy term>25 years)

    60

    Minimum age
    at maturity (years)*

    18 years

    18 years

    18 years

    18 years

    Maximum age
    at maturity (years)*

    80

    74

    80

    80

    Minimum Annualized
    Premium (Rs) (PREMIER)

    100,000

    Web Aggregator : 30,000
    Other than Web aggregator: 100,000

    24,000

    24,000

    Minimum Annualized
    Premium (Rs) (ONLINE)

    100,000

    30,000

    24,000

    24,000

     

    *Age last birthday

     

    How can I purchase PNB MetLife Mera Wealth Plan?

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    You can purchase this plan offline in any of the following three ways:

    Disclaimer:

    The linked insurance products do not offer any liquidity during first five years of the contract. The policyholder will not be able to surrender/ withdraw the monies invested in linked insurance products completely or partially till the end of fifth Year.


    Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Insurance  policies  are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. PNB MetLife India Insurance Company Limited is only the name of the  Life Insurance  Company and PNB MetLife Mera Wealth Plan is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

    AD-F/2021-22/205

    Disclaimer

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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 claimshelpdesk@pnbmetlife.com or indiaservice@pnbmetlife.co.in. 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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