Goal Protector Waiver of Premium Rider

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What would you like to do first?

Life is full of responsibilities and commitments, many of which continue regardless of unforeseen circumstances. While life insurance policy helps secure your family’s future, it is equally important to consider how the policy continues if such circumstances arise.

PNB MetLife Goal Protector Waiver of Premium Rider ensures that your plans stay on track. It works as an add- on to your Life Insurance Policy and any Riders attached to it.

With this Rider in place, the plans you made for your loved ones remain firmly on course, even in your absence. By safeguarding future premiums, it ensures that their protection, goals, and dreams continue seamlessly—so your family stays secure, stress free, and truly Always Ready For Life.

PNB MetLife Goal Protector Waiver of Premium Rider in a nutshell:

Waiver of premium –All future premiums for the Base Policy and attached Riders are waived in the event of death of the Life Assured under the Rider Policy
Financial Relief when it matters the most - Eliminates the burden of future premiums during a difficult time.
Uninterrupted Policy Benefits - Waiver of future premiums ensures the Base Policy and the attached Riders continue, with all benefits payable as per policy terms and conditions.

What you Get

In case of an unfortunate event of death of Life Assured under the Goal Protector Waiver of Premium Rider, all future premiums (including underwriting extra premiums and modal loadings) payable under the Base Policy and the Rider premiums payable in respect of all other Riders attached to the Base Policy shall be waived, provided that the Base Policy and this Rider Policy are in-force as on the date of the death of the Life Assured under this Rider.

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 Rider Policy or from the date of revival of the Rider policy, as applicable, the nominee or beneficiary of the Life Assured shall be entitled to 80% of the Total Premiums Paid till the date of death, provided the Rider Policy is in force.

In such cases, no other benefit shall be admissible under this Rider.

The Total Premiums Paid means total of all the premiums received, excluding any extra premium and taxes.

Frequently Asked Questions

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What is Goal Protector Waiver of Premium Rider?

The Goal Protector Waiver of Premium Rider ensures that all future premiums payable for the base policy and attached riders are waived in the event of the death of the Rider Life Assured, while the policy continues to remain in force.

Note- Life Assured under the Rider Policy shall be the Policyholder of the Base Policy and Riders attached to the Base Policy. This Rider Policy will be available only if Life Assured under the Base Policy is different from the Policyholder under the Base Policy.

What are the eligibility criteria for this plan?

Boundary Conditions	Eligibility Criteria
Age* at Entry	18 to 65 Years, subject to the min/ max entry age of the Base Policy
Maturity Age*	20 to 75 Years
Rider Policy Term	Minimum – 2 Years Maximum – 57 Years
Rider Premium Paying Term	Minimum- 2 Years Maximum- 57 Years
Rider Sum Assured	Minimum - Minimum Sum Assured is determined basis minimum annual premium of Base Policy along with any attached Rider. Maximum- Maximum Sum Assured is determined basis maximum annual premium of Base Policy along with any attached Rider.
Rider Premium Payment Modes	Annual, Half Yearly, Quarterly, 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 can the Goal Protector Waiver of Premium Rider be opted for?

The Goal Protector Waiver of Premium Rider can be opted for either at the inception of the policy or at any policy anniversary, subject to the terms and conditions of the rider.

Disclaimer:

This page/document is updated as on 18^th May 2026.
PNB MetLife Goal Protector Waiver of Premium Rider, Individual, Non-Linked, Non-Participating, Pure Risk, Life Insurance Rider | UIN:117B028V01.
For more details on risk factors terms and conditions, please read the sales brochure carefully before concluding any sale.
Tax benefits are as per Income Tax Laws in force & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details. Goods and Services Tax (GST) levied at prevailing rate subject to change from time to time.
AD-F/2026-27/129