PNB MetLife Smart Hybrid

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

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 Grand Assured Income Plan (An Individual, Non-Linked, Non-Participating, Deferred Annuity Product) - UIN:117N134V08 and (2) PNB MetLife Smart Platinum Pro (Individual, Unit Linked, Non-Participating, Saving, Life Insurance Plan) - UIN:117L142V01. These products are also available for sale individually without the combination offered/ suggested. This Advertisement 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.

¹Guaranteed lifetime annuity is payable through PNB MetLife Grand Assured Income Plan, subject to the terms and conditions, provided the policy is in force and all due premiums have been paid.

²Whole life cover with upto 40x coverage is available through PNB MetLife Smart Platinum Pro. Sum Assured Multiple varies with combinations of Age at Entry, Premium Payment Term, Policy Term and Plan Option. Sum Assured Multiple gradually reduces over Policy Term.

³Partial Withdrawal is only available with PNB MetLife Smart Platinum Pro and can be availed only after the completion of 5 policy anniversaries or on attainment of age 18 by the Life Assured, whichever is later. Please refer policy terms and conditions for further details.

For more details on risk factors, terms, and conditions, please read the individual sales brochure before concluding any sale.

Tax benefits are as per Income Tax Laws in force & are subject to amendments made thereto from time to time.

As per the recent notification from the Government of India, Goods & Services Tax (GST) on individual polices are exempted. GST rates are subject to change from time to time. Please consult your tax advisors for more details.

i. Linked insurance products are different from the traditional insurance products and are subject to the risk factors. ii. The premium paid in linked insurance policies are subject to investment risks associated with capital markets and publicly available index. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions. iii PNB MetLife India Insurance Company Ltd is only the name of the Life Insurance Company and PNB MetLife Smart Platinum Pro is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. iv. Please know the associated risks and the applicable charges, from your insurance agent or intermediary or policy document issued by the insurance company. v. 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 past performance of the funds is not indicative of the future performance. For more details on terms & conditions, Please read the Sales brochure carefully before concluding any sale.