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    Preparation and Plans for Post Retirement  | PNB Metlife


    Are you dependent on your child to fund you post retirement?

    Last Updated On 17-07-2023

    With changing generations, the concept of retirement has also changed in India. Most people consider retirement as just another phase of life. They focus on doing things that they didn’t consider before like travel, writing, or social work. However, to have your kind of life after retirement, it is important to have a plan in place. Retirement means that a fixed pension policy becomes your income, as your investments in a pension plan or your savings last only for a limited time.

    In India, parents take several measures to invest in their children’s future. This may sometimes result in overlooking their own. What parents need here is strategic planning of their finances so that they can invest in their child’s future as well as look after their own retirement plans.

    Plan smart for your retirement

    One should make smart moves to have a fun retirement, without jeopardizing their own future or their children’s. The first thing to decide is whether you would want to live alone, with your children or in a shelter home after retirement. 

    Secondly, one needs to be sure of how they want to spend their retirement years. There are options like becoming a tutor, freelancer, consultant etc. It is upon you whether you want to travel the world, spend time with the family or pick up a hobby that can act as a side income and also keep you occupied at the same time.

    The upside of retirement is that your expenses will decrease as you do not need to travel to work every day or keep updating your wardrobe. It is advisable to invest, because saving only gets one far enough. The key is not to spend out of budget that you have set for yourself, as the pension after retirement is limited.

    Planning for health-related emergencies

    With age, one’s immune system becomes more fragile. This is the reason that health insurance premium increases with your age. It is important to find an affordable health insurance plan that covers your needs efficiently. With inflation, the medical costs are increasing as well. Therefore, it is important to invest in a health-insurance plan.

    Do not jeopardize your retirement

    It is important to calculate all the factors and then choose a pension policy that best suits you. Everything that is a part of old age should be a factor in your balance sheet, which will let you know your exact target. Once you plan everything out, there is no way you will not meet your retirement target. Start investing, so that your pension after retirement is something you will never have to worry about.

    There is no doubt, that your children will always stand by your side- be it financially or emotionally. However, it is always good to be independent at every stage of life. Financial freedom brings you better opportunities than dependence ever would. It is always better to be in control of your own life and live it the way you have planned since always. 

    To know more about term plan, term insurance, long term savings visit PNB MetLife website.

    Doesn’t the thought of retirement sound blissful? No work, no deadlines, and all your hours spent doing the things you love, like travel, painting, and even napping in the afternoon! If you want your retirement to be what you have always dreamed of, start retirement planning now and save a considerable retirement corpus in time. The online Retirement Calculator can help you plan your future financial goals and ensure you achieve them within the stipulated time. 


    The aforesaid article presents the view or an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ before making any decision.

    PNB MetLife India Insurance Company Limited, Registered office 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. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale.
    The marks “PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Call us Toll-free at 1-800-425-6969, Phone: 080-66006969, Website:, Email: or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203.
    EC255 LD/2019-20/266

    • IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

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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 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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