Guaranteed Goal Plan - Guaranteed Income Plan in India

PNB MetLife Guaranteed Goal Plan

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Death Benefit

Family Care Benefit

Health Care Benefit

Frequently Asked Questions

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Health Care Benefit

Maturity Benefit

Survival Benefit

Death Benefit

Family Care Benefit

Health Care Benefit

Maturity Benefit

Survival Benefit

Death Benefit

Family Care Benefit

Health Care Benefit

Maturity Benefit

Survival Benefit

Frequently Asked Questions

What are the product features of the PNB MetLife Guaranteed Goal Plan?

What are the eligibility criteria for PNB MetLife Guaranteed Goal Plan?

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What are the product features of the PNB MetLife Guaranteed Goal Plan?

PNB MetLife

PNB MetLife

PNB MetLife

Name: PNB MetLife Guaranteed Goal Plan
Brand: PNB MetLife
Rating: 4.5 (11230 reviews)

What would you like to do first?

Introducing PNB MetLife Guaranteed Goal Plan, a perfect savings plan that helps you save systematically and get guaranteed returns. PNB MetLife Guaranteed Goal Plan secures your goals against unforeseen life events and offers you complete control and flexibility to customize your savings schedule. It is specially designed to help you enjoy the freedom of life and ease your worries for your future ahead.

PNB MetLife Guaranteed Goal Plan in a nutshell

Secure future with Guaranteed Benefits
Flexibility to receive benefits as Lumpsum or Guaranteed Income
Boost corpus with Guaranteed Additions⁴ & Wealth Additions¹
Higher benefits for higher premium payment
Flexibility to accumulate survival benefits² & receive payouts on date of your choice
Life cover for entire policy term
^**Waiver of premium on death or diagnosis of critical illness³ with Family Care and Health Care options

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With PNB MetLife Guaranteed Goal Plan you get:

Choice from two plan options based on your need

Lumpsum Option: Guaranteed Maturity Benefit payable at Maturity date.

Income + Lumpsum Option: Guaranteed Survival² Benefit payable every year post completion of Premium Payment Term along with a Guaranteed Maturity Benefit on Maturity date.

Additional benefits to boost your corpus

Guaranteed addition⁴ of 5% of Total Annualised premium^~ paid till date gets accrued every year during premium payment term

Wealth additions ranging from 3.2% to 9% of Total Annualised Premium^~ paid till date get accrued or paid every year after premium payment term¹

Protection

Safeguard against uncertainties

Get life cover for the entire policy term.

**Get Waiver of premium on death or diagnosis of critical illness³ with Family Care and Health Care options

Option to enhance your protection through Accidental Death and Serious Illness rider coverage

Choice from two plan options based on your need

Lumpsum Option: Guaranteed Maturity Benefit payable at Maturity date.

Income + Lumpsum Option: Guaranteed Survival² Benefit payable every year post completion of Premium Payment Term along with a Guaranteed Maturity Benefit on Maturity date.

Additional benefits to boost your corpus

Guaranteed addition⁴ of 5% of Total Annualised premium^~ paid till date gets accrued every year during premium payment term

Wealth additions ranging from 3.2% to 9% of Total Annualised Premium^~ paid till date get accrued or paid every year after premium payment term¹

Protection

Safeguard against uncertainties

Get life cover for the entire policy term.

**Get Waiver of premium on death or diagnosis of critical illness³ with Family Care and Health Care options

Option to enhance your protection through Accidental Death and Serious Illness rider coverage

Benefits with PNB MetLife Guaranteed Goal Plan

Limited Pay Policies: Sum Assured on Death will be higher of 10 times of Annualized Premium^~ or 105% of Total Premiums paid up to the date of death of life assured

Single Premium with Single Life policies: Sum Assured on Death is 1.25 times Single Premium. The policy terminates with the payment of Sum Assured on death

Single Premium policies where Joint Life Cover chosen:

a) In case of death of first Life Assured during the Policy Term: 1.25 times of Single Premium will be payable to the last surviving Life Assured

b) In case of death of last surviving Life Assured during Policy Term: 10 times of Single Premium will be payable to the Nominee and the policy terminates.

On death of Life Assured during the Policy Term, all future Installment Premiums (if any) shall be waived off, and the Nominee shall receive the Sum Assured on Death as lumpsum. Policy continues to accrue all benefits, and all future Survival Benefits and Maturity Benefit as defined above shall also be paid to the Nominee.

On Life Assured being diagnosed from any of the listed Critical Illnesses³, while the Policy is in In-force Status, all the future Instalment Premiums that would otherwise have been payable under the Policy for the remainder of the Premium Payment Term shall be waived off.

Guaranteed Survival Benefits, Guaranteed Maturity Benefit and Death Benefit, shall continue to be paid under the Policy.

Guaranteed Maturity Benefit shall be paid which is:

For Limited Pay policies:

Sum Assured at Maturity; plus
Accrued Guaranteed Additions⁴; plus
Accrued Wealth Additions

For Single Premium policies:

Sum Assured at Maturity
Accrued Wealth Additions

Income + Lumpsum Option: Guaranteed Maturity Benefit shall be paid which is equal to Sum Assured on Maturity.

Lumpsum Option – No survival benefit will be payable under this option

Income + Lumpsum Option – Survival Benefit payable on each Policy Anniversary following the completion of the Premium Payment Term is the sum of:

a. Guaranteed Income

b. Sum of Accrued Guaranteed Additions⁴ divided by Income Payout Period (years)

c. Wealth Additions = Wealth Addition Rate x Total Annualised Premium paid till date

What you don’t get

Suicide Exclusion

If the Life Assured’s death is due to suicide within twelve months from the date of commencement of the risk or from the Date of Revival of the Policy as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to 80% of the total Premium paid under the Policy till the date of death or Surrender Value available as on the date of death, whichever is higher, provided the Policy is in Inforce status.

Waiting Period if Health Care Benefit is opted

A waiting period of 90 days is applicable from inception of the policy or from any subsequent revival, whichever is later. If a claim related to Health Care Benefit occurs during Waiting period, total premiums paid shall be refunded and the policy will terminate.

If a Critical Illness³ is contracted during the Waiting Period, then total premiums paid shall be refunded and the policy will terminate.

Exclusions for Critical Illness³ if Health Care Benefit is opted

No waiver of premium benefit will be payable if the Critical Illness³ is caused or aggravated directly or indirectly by any of the mentioned conditions under Exclusions section in Term & Conditions of the policy. Please refer complete Sales Brochure/Policy document for details of the exclusions.

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Flexibility to choose the date of benefit payout - Survival Benefits will be paid on policy anniversaries by default. Alternatively, the policyholder can choose to receive the survival benefits on any one date, as per their choice.
Flexibility to accumulate Survival Benefit – There is an option to defer the Guaranteed Survival Benefit, if applicable, and accumulate them instead by giving the Company a written notice at least 30 days before next Survival Benefit Payout.

The Policyholder can withdraw from the accumulated Income, partly/ fully at any point during the Policy Term

Flexibility to choose Income Payout Mode – There is an option to receive the Guaranteed Survival Benefits under Income + Lumpsum option at less frequent intervals.
Riders – Option to choose following riders at the beginning of the policy or any policy anniversary during the Premium Payment Term:
- PNB MetLife Death Benefit Rider Plus (UIN: 117B020V04)
- PNB MetLife Serious Illness Rider (UIN: 117B021V04)
Joint Life Cover – Available with Single Premium policies

Premium Paying Term (PPT) (Years)	Premium Payment Term	Policy Term: Lumpsum Option	Policy Term: Income + Lumpsum Option
	Single Premium	5, 7, 10, 12, 15, 20	Not available
	5	10, 12, 15 and 20	10, 12, 15 and 20
Policy term (Years)	7	12, 15 and 20	12, 15 and 20
	10 Years	15, 20 and 25	20 and 25
	12 Years	20, 25 and 30	20, 25 and 30

Minimum age^ at entry (Years)

For Single premium:
Cover Type	Minimum Entry Age
Single Life	0 (30 days)
Joint Life	18 Years

For Limited pay:
Policy Term (Years)	Minimum Entry Age
Without Family Care and/or Health Care Option	0 (30 days)
With Family Care and/or Health Care Option	18

^Age: Last Birthday

Maximum age at entry (Years)

For Single premium:
Cover Type	Age at Entry (last birthday)
Single Life	65 Years
Joint Life	60 Years

Maximum age at Maturity (Years)

Minimum Annualised Premium^~ (Rs.)

PPT	Single Premium	5	7	10	12
Min. Annualised Premium^~	50,000	11,286		11,286

Maximum Annualised Premium^~ (Rs.)

Subject to maximum Sum Assured on Death limit as per Board Approved Underwriting Policy.

Minimum Sum Assured (Rs.)

PPT	Single Premium		5	7	10	12
Minimum Sum Assured	Single Life	Joint Life	1,12,860		1,12,860
	62,500	5,00,000

Premium Payment modes

Yearly / Half Yearly / Quarterly/ Monthly⁵

⁵Age as on last birthday

Disclaimer:

PNB MetLife Guaranteed Goal Plan is an Individual, Non-Linked, Non-Participating, Savings, Life Insurance Plan (UIN: 117N131V06)

¹ Wealth Additions accrue after completion of Premium Payment Term as a percentage of Total Annualised Premiums paid till date and will vary based on Premium payment term and Policy term. Wealth Additions will accrue if Lumpsum option is chosen or will be paid out after PPT if Income + Lumpsum option is chosen.
² Policyholder cannot choose the date preceding the due date of the Guaranteed Survival Benefit payout.
³For listed critical illness please refer the sales brochure.
⁴Guaranteed addition of 5% of Total Annualised premium paid till date gets accrued every year during premium payment term.
*Returns mentioned above are applicable for inforced policies at Age 40, AP 1 Lakhs (excluding GST), Lumpsum Option, Annual Mode, PPT-12, Term-30. Total Benefit varies basis actual Entry Age, Premium Payment Term, Policy Term, Annualised Premium amount, and Option chosen. T&C apply.
**Get Waiver of premium on death or diagnosis of critical illness³ with Family Care and Health Care options.
^#Tax benefit are as per Income Tax Act, 1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details. Good and Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time.
^{^}Terms and Conditions Apply
^~Annualised Premium shall be the premium payable in a year, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums.
For more details on risk factors, terms & conditions, please read the individual sales brochure before concluding any sale.

AD-F/2025-26/335

Brochure/Prospectus

Guaranteed Surrender Value

Terms & Conditions

Email Brochure

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* Last Name

* Email

* Mobile Number

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If you have a Goal, we have a plan to Guarantee it

UIN: 117N124V15

Get guaranteed Cash bonus^ and safeguard your financial needs

UIN: 117N129V02

Get the expert growth plan that matches your dreams!

UIN: 117L125V02

For Limited pay:

Policy Term (years)

Without Family Care and Health Care Benefit

With Family Care and Health Care Benefit