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    PNB MetLife Capital Guarantee + GEM Solution

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    Create a legacy for your loved ones and maximize your wealth with the combined power of PNB MetLife Guaranteed Future Plan and PNB MetLife Goal Ensuring Multiplier Plan

    Capital Guarantee + GEM in a Nutshell
    • Capital Guarantee1 -Return of Premiums3 Guaranteed
    • Protection - Life insurance coverage throughout the policy term
    • Increased Growth - Upside of Market Linked Returns
    • Liquidity - Partial Withdrawals allowed after 5 years2
    • Tax Benefits$

    1Terms and conditions apply.

    2Partial Withdrawal is only available with PNB MetLife Goal Ensuring Multiplier. Please refer policy terms and conditions for further details.

    Eligibility Criteria

    Parameters CG+GEM (Income Assured option) CG+GEM (Goal Assured option) CG+GEM (Wealth option) CG+GEM (Wealth+ Care option)
    Premium Payment Term 5,7,10 pay
    Minimum Policy Term  5 pay- 12 years
    7 pay & 10 pay-15 years
    Maximum Policy Term 20 years 25 years  30 years 25 years
    Entry Age* (in years)

    Minimum: 18 years
    Maximum: 45 years

    Minimum: 0(30 days) [vary according to PT]
    Maximum: 60 years

    Minimum: 18 years
    Maximum: 60 years

    Maturity Age 65 years 70 years  90 years 85 years
    Annualised Premium Minimum premium will vary basis entry age, premium payment term and policy term
    Premium
    Payment Mode
    Yearly, Half yearly, 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)

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    Disclaimer:

    The Linked Insurance Product do not offer any liquidity during the 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 the fifth year.
    This advertisement is designed for combination of Benefits of two individual and separate products named 1) PNB MetLife Goal Ensuring Multiplier (An Individual, Unit Linked, Non-Participating, Life Insurance Plan) - UIN:117L133V04 and (2) PNB MetLife Guaranteed Future Plan (An Individual, Non-Linked, Non-Participating, Savings Life Insurance Plan) - UIN: 117N124V14. These products are also available for sale individually without the combination offered/ suggested. This Product is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.

    Unit Linked Life Insurance Products are different from Traditional Products Insurance Products and are subject to risk factors. Premiums paid in unit-linked life insurance policies are subject to investment risks associated with capital markets, and NAVs of the units may go up or down, based on the performance of the fund and factors influencing the capital market and the insured is responsible for his/her decisions.
    PNB MetLife Insurance Company Limited is only the name of the Life Insurance Company and PNB MetLife Goal Ensuring Multiplier is only the name of the unit-linked life 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 intermediary or policy document issued by us. 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. The past performance of the funds is not indicative of the future performance.
    For more details or risk factors, terms, and conditions, please read the individual sales brochure before concluding any sale.
    $Tax benefits are as per the Income Tax Act, 1961 & are subject to amendments made there to 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.
    3Provided the policy is in force and all due installments premiums have been paid in full

    AD-F/2024-25/1495

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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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    Disclaimer

    Collapsed Expanded

    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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