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    PNB MetLife Capital Guarantee Plus

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    Capital Guarantee Plus in a Nutshell
    • Guaranteed# return of 100% of premiums paid1
    • Tax Benefits^
    • Wealth creation with market-linked returns
    • Whole life cover
    • Fund booster## to enhance your fund value*

    With PNB MetLife Capital Guarantee Plus you get:

    Eligibility Criteria

    Options PNB MetLife Guaranteed Future Plan: Endowment
    PNB MetLife Smart Platinum Plus: Wealth
    Premium Criteria

    Three options available for combined premium :

    Option 1: 50:50 (i.e., combined premium will be divided in equal proportion in PNB MetLife Guaranteed Future Plan & PNB MetLife Smart Platinum Plus)
    Option 2: 2/3 - 1/3 (i.e., combined premium will be divided as 2/3 in PNB MetLife Guaranteed Future Plan & 1/3 in PNB MetLife Smart Platinum Plus)
    Premium Payment Term for PNB MetLife Smart Platinum Plus & PNB MetLife Guaranteed Future Plan will be different. Premium shall reduce post completion of PNB MetLife Smart Platinum Plus Premium Payment Term
    Option 3: Rs. 7.5 Lakhs (i.e., combined premium will be divided as Rs. 5 Lakhs in PNB MetLife Guaranteed Future Plan & Rs. 2.5 Lakhs in PNB MetLife Smart Platinum Plus)

    Premium Payment Term PNB MetLife Guaranteed Future Plan (PPT/PT): 5/12; 7/15; 8/16; 9/18; 10/20; 11/22; 12/20; 12/24; 13/26
    PNB MetLife Smart Platinum Plus (Limited Pay): 5, 7, 10
    Min Entry Age@ (PPT/PT): Age; 5/12: 6Years; 7/15: 3 Years; 8/16: 2 Years; 9/18: 30 days; 10/20: 30 days; 11/22: 30 days; 12/20: 30 days; 12/24: 30 days; 13/26: 30 days
    Max Entry Age@ 60 years
    Max Maturity Age@ 80 or 99 years5
    Min Annualised Premium

    Minimum premium for the combined solution is :

    Mode of Premium Option 1 Option 2 Option 3
    Annual Rs. 96,000/ Rs. 1,46,000/- Rs. 7,50,000/-
    Semi-Annual (per half year) Rs.60,000/- Rs. 91,000/- Rs. 3,75,000/-
    Monthly (per month) Rs. 20,000/- Rs. 31,000/- -
    Mode of Premium Annual, Half Yearly, Monthly**

    @All references to age are as on age last birthday.

    For policies issued to minor lives the risk cover starts immediately at inception. In case the life assured is a minor, the policy will vest with the life assured when the life assured attains an age of 18 years.

    **Monthly mode is available for Standing instruction/direct debit options (including Electronic Clearing System (ECS), and Automated Clearing House (ACH).


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    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 Smart Platinum Plus (Individual, Unit Linked, Non-Participating, Life Insurance Plan) - UIN:117L125V02 and (2) PNB MetLife Guaranteed Future Plan (Individual, Non-Linked, Non-Participating, Savings Life Insurance Plan) - UIN:117N124V10. These products are also available for sale individually without the combination offered/ suggested. This benefit illustration 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.

    *Provided the policy is in-force and due premiums have been paid. Policyholder cannot choose the date preceding the due date of the income payout. Unit-linked life insurance products are di­fferent from the traditional 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 Smart Platinum Plus 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 o­rdered 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.

    ^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.

    1Total Premium payable along with accrued Guaranteed Additions and accrued Wealth additions is paid as a lumpsum at the end of the policy term. (This is only for MGFP endowment Option and not linked to MSPP).

    2Mid cap fund as on 30th April 2024.

    3Partial Withdrawal is only available with PNB MetLife Smart Platinum Plus. Please refer policy terms and conditions for further details.

    ##Get rewarded with fund booster at end of year 10th Policy Year

    $Safeguard your family’s future with life cover for entire policy term.

    5Applicable to PNB MetLife Smart Platinum Plus.


    # Terms and Conditions Apply.


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



    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 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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