Investment Plans

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What is a Unit Linked Insurance Plan (ULIP)

A ULIP, or Unit Linked Insurance Plan, is a financial product that combines life insurance with investment options. When you pay a premium into a ULIP, part of it goes towards providing life insurance coverage for you and your family, while the rest is invested in various funds such as stocks and bonds. This means that while you are building an investment portfolio that has the potential to grow over time, you are also ensuring that your loved ones have financial protection if something unexpected happens.

What makes ULIPs attractive is their flexibility and dual benefit approach. You can choose from different investment funds based on your risk tolerance and financial goals, which makes it easier to plan for long-term needs like retirement or your child’s education. Additionally, ULIPs often come with tax benefits under current laws, which can help lower your overall tax burden. In simple terms, a ULIP serves as a one-stop solution for both safeguarding your family with insurance and growing your savings through market-linked investments.

Benefits of Unit Linked Insurance Plan (ULIP)

Market Linked Returns

Your money is partly invested in the market (like stocks or bonds), so your earnings depend on market performance for higher gains.

Life Cover

Along with the investment, you get life insurance. This means if something happens to you, your family will receive financial support.

Tax Efficiency on Maturity

When your ULIP matures, the money you receive is usually tax-free, helping you keep more of your earnings.

Flexibility to Switch

You can easily switch unlimited times your funds based on your changing needs or market conditions.

Your “Circle of Life” needs that you can fulfil with ULIPs

Family Protection

You get a minimum of 10x life cover for your family.

Child’s Education

It lets you save systematically for your child’s future education expenses, ensuring that funds are available when needed.

Retirement Security

A ULIP helps you build a retirement fund over time so you can have a steady income and financial stability when you retire.

Planning for Major Life Events

Benefit from inbuilt life cover, providing financial security to your loved ones in unforeseen circumstances.

PNB MetLife Funds Performance

All PNB MetLife Equity Funds are Beating Benchmark Returns!

Morningstar rates all below three PNB MetLife equity funds as 5 Star^*

PAY ZERO TAX^# on Long Term Capital Gains!

Life Cover Throughout Policy Term

All PNB MetLife Equity Funds are available with our ULIPs

Large Cap Fund

Mid Cap Fund

Multi Cap Fund

T&C apply

Why PNB MetLife?

PNB MetLife India Insurance Company Limited (PNB MetLife) is one of the leading life insurance companies in India (Source – CRISIL), has as its shareholders MetLife International Holdings LLC (MIHL), Punjab National Bank (PNB), M. Pallonji and Company Private Limited, Jammu & Kashmir Bank Limited (JKB), and other investors, with MIHL and PNB being the promoters of the Company. PNB MetLife has been present in India since 2001.

265+
Years Ka Trust

PNB MetLife, with over 265+^years of Legacy & Trust.**

Isn't just a company; it's your unwavering ally in the journey of life.

16.75 Lakh
Customers

Large Customer Base Across India

16,75,046 number of retail customers as of 31st March 2024

99.20% Claim
Settlement Ratio

Claim Settlement Ratio

We have settled 99.20% of claims received for individual business for FY 2023-24.

₹50,000 Cr+
AUM

₹50,000 Crores+ Assets Under Management

As of July 3, 2024, PNB MetLife's Assets Under Management (AUM) was ₹50,000 crore.

Frequently Asked Questions

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What is a ULIP?

A Unit Linked Insurance Plan (ULIP) is a financial product that combines life insurance with Market-Linked Returns. Part of the premium provides life insurance coverage, while the remainder is invested in equity, debt, or a combination of funds, allowing policyholders to potentially grow their wealth over time.

What are the tax benefits of investing in ULIPs?

Premiums paid towards ULIPs are eligible for tax deductions under Section 80C of the Income Tax Act, up to ₹1.5 lakh per annum. Additionally, the maturity proceeds are tax-exempt under Section 10(10D), subject to certain conditions.

What is Net Asset Value (NAV) in ULIPs?

NAV represents the per-unit value of the investment fund in a ULIP. It is calculated by dividing the total value of the fund's assets minus liabilities by the number of outstanding units. NAV fluctuates based on market performance.

Can I switch between different funds in a ULIP?

Yes, ULIPs offer the flexibility to switch between different funds (e.g., equity, debt, balanced) based on your financial goals and market outlook. Insurers may allow a certain number of free switches per year, with charges applicable for additional switches. PNB MetLife allows unlimited number of free switches to its policyholders.

Are partial withdrawals allowed in ULIPs?

Partial withdrawals are permitted after the completion of the five-year lock-in period. There may be limits on the amount and frequency of withdrawals, and some policies may impose charges for partial withdrawals.

What is a Life Insurance Savings Plan?

A life insurance savings plan is a financial product that combines the benefits of life insurance with long-term savings. It helps you secure your family’s future while building a corpus to achieve your financial goals.

Who should consider a Life Insurance Savings Plan?

Anyone looking for a secure way to save for future financial goals, such as a child’s education, retirement, or purchasing a home, while ensuring financial protection for their family, can benefit from a savings plan.

Are there any tax benefits with a Life Insurance Savings Plan?

Yes, you can avail tax benefits under Section 80C for the premiums paid and under Section 10(10D) for the maturity or death benefits, subject to prevailing tax laws.

Is there any risk associated with Life Insurance Savings Plans?

Most savings plans offer guaranteed returns, making them low-risk options. However, returns from market-linked plans (ULIPs) may vary based on market performance.

How is this different from other investment options?

Life insurance savings plans provide a unique combination of life protection, guaranteed savings, and tax benefits, which may not be available in traditional investments like fixed deposits or mutual funds.

Disclaimer

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

The unit linked insurance products 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 unit linked insurance products completely or partially till the end of the fifth year.

At PNB MetLife we are delighted to offer a new fund, the “Nifty 500 Momentum 50 Index Fund” (ULIF03115/02/25 NIFTYMOMEN117). The objective of the fund is to invest in a basket of stocks drawn from the constituents of NSE’s NIFTY 500 Momentum 50 Index, subject to regulatory limits. The Nifty 500 Momentum 50 Index aims to track the performance of the top 50 companies within the Nifty 500 selected based on their Normalized Momentum Score. Historical data from NSE suggests that the momentum strategy has outperformed vs broader indices in the past. Regulations may restrict us from investing in all the stocks/sectors in line with their weights in the index from time to time, resulting in tracking error. The index funds which track momentum strategies are best suited for individuals with very high risk tolerance and long-term investment goals.

The past performance of the funds is not indicative of the future performance. Assumed rate of returns are not guaranteed and these are not the upper or lower limits. 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 Goal Ensuring Multiplier 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. The policyholder can know the value of policy wise units as per the FORM D02 through a secured login on the PNB MetLife website (www.pnbmetlife.com)

PNB MetLife ULIP Plans:

PNB MetLife Goal Ensuring Multiplier (UIN: 117L133V05)

PNB MetLife Smart Platinum Plus (UIN: 117L125V05)

PNB MetLife Term with Unit Linked Insurance Plan (UIN: 117L136V02)

@PNB MetLife Mid Cap Fund SFIN No: ULIF02501/01/18MIDCAPFUND117, PNB MetLife Premier Multi-Cap Fund SFIN No: ULIF02101/01/18MULTICAPFN117, PNB MetLife Multiplier III Fund SFIN No: ULIF01809/10/15MULTIPLIE3117 is not a standalone product and is available for sale with PNB MetLife Unit Linked Insurance Plans Only.

^#Zero Tax on ULIP investment up to Rs.2.5 Lakhs Annual Premium, Tax Benefits are as per Income Tax Act 1961, are subject to amendments made there to from time to time, Please consult your tax advisor for more details. Goods and Services Tax (GST) shall be levied as per prevailing tax laws.

^*Fund performance and Morningstar Rating data as of 31st December 2024. Within each Morningstar Category, the top 10% of funds receive five stars, the next 22.5% four stars, the middle 35% three stars, the next 22.5% two stars, and the bottom 10% are rated one star. ‘Morningstar, Inc. is a leading provider of independent investment insights in North America, Europe, Australia, and Asia. The Company offers an extensive line of products and solutions that serve a wide range of market participants, including individual and institutional investors in public and private capital markets, financial advisors and wealth managers, asset managers, retirement plan providers and sponsors, and issuers of fixed-income securities. Morningstar provides data and research insights on a wide range of investment offerings, including managed investment products, publicly listed companies, private capital markets, debt securities, and real-time global market data. Morningstar also offers investment management services through its investment advisory subsidiaries, with approximately $328 billion in AUMA as of Sept. 30, 2024. The Company operates through wholly-owned subsidiaries in 32 countries. For more information, visit www.morningstar.com/company. Follow Morningstar on X (formerly known as Twitter) @MorningstarInc. © 2024 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (4) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates, or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.’

^$The return shown above is a 5 year annualized return of PNB MetLife Mid Cap Fund, PNB MetLife Premier Multi-Cap Fund & PNB MetLife Multiplier III Fund as on 31st Dec 2024.

^**PNB MetLife started its operations in the year 2001. PNB (established in 1894) and MetLife (established in 1868) are the promoters of PNB MetLife. The combined years of experience/good will /trust of PNB and MetLife is shown in this advertisement.

¹Terms & conditions apply. *The return shown is a 5-year annualized return of the NIFTY 500 Momentum 50 Index as of 31st Dec 2024. PNB MetLife NIFTY 500 Momentum 50 Index Fund (SFIN: ULIF03115/02/25NIFTYMOMEN117) is a passively managed fund with the NIFTY 500 Momentum 50 Index as its benchmark. NAV will be provided as per prevailing dates.

²Zero Tax on ULIP investment up to Rs.2.5 Lakhs Annual Premium, Tax Benefits are as per Income Tax Act 1961, are subject to amendments made there to from time to time, Please consult your tax advisor for more details. Goods and Services Tax (GST) shall be levied as per prevailing tax laws.

⁴Terms & conditions apply. *The above illustration shows the value of Rs. 20,000 invested monthly since Apr 2005 in the NIFTY 500 Momentum 50 Index, accumulated as of 31st Dec 2024 (nineteen-year period). The calculations are based on index data provided by NSE and exclude any scheme-level expenses. NAV will be provided as per prevailing dates.

PNB MetLife India Insurance Company Limited, Registered address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore - 560001, Karnataka. IRDAI Registration number 117.CI No: U66010KA2001PLC028883. 1) PNB MetLife Goal Ensuring Multiplier (An Individual, Unit Linked, Non-Participating, Life Insurance Plan) - UIN:117L133V05 and (2) PNB MetLife Guaranteed Future Plan (An Individual, Non-Linked, Non-Participating, Savings Life Insurance Plan) - UIN: 117N124V14. 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. Trade Logo displayed above belongs to Punjab National Bank and Metropolitan Life Insurance Company and used by PNB MetLife India Insurance Company Limited under License. Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai 400062, Maharashtra

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