Smart Platinum ULIP Plan: Best ULIP Plan & Policy Online in India - PNB MetLife

Key Benefits of PNB MetLife Smart Platinum

  • 1

    Flexible premium payment options

  • 2

    Auto rebalance investment portfolio

  • 3

    Partial withdrawal of policy after 5th year

  • 4

    Option to change sum assured

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Overview of Smart Platinum

PNB MetLife Smart Platinum is a unit-linked insurance plan that gives you the flexibility to build your investment portfolio through 6 different funds. Our ULIP plan covers you till 99 years of age with an option to choose a premium term of 5 years, 10 years or whole life. In this Unit linked life insurance Plan, the Investment Risk in investment portfolio is borne by the Policyholder.

PNB MetLife Smart Platinum ensures

  1. Choice of 6 unit-link funds for investment
  2. Provide insurance coverage up to 99 years old with a 5 year premium.
  3. Help manage investment risk with auto rebalancing option
  4. Provide liquidity with partial withdrawal of policy after 5th year

Product Benefits of Smart Platinum

Death Benefit

In the event of death, the beneficiary will receive the following benefits, whichever is higher:
  1. The Fund Value; or
  2. The Basic Sum Assured less all Partial Withdrawals made during  2 year period immediately preceding the date of death of the Insured or
  3. 105% of the total Regular or Limited Premiums paid excluding partial withdrawals made during two-year period immediately preceding the date of death of the Insured.

Maturity Benefit

The maturity benefit is paid out when the insured reaches 99 years old. Amount paid is equals to the Total Fund Value in the account on maturity of the policy.


Boundary Conditions

Minimum Age at Entry(LBD)

7 years

Maximum Age at Entry(LBD)

70 years

Premium Payment Term (years)

5 pay/ 10pay/ entire term of the policy

Minimum Annualized Premium (in Rupees)

Rs 30,000 for Annual mode
Rs 60,000 for other modes

Minimum and Maximum multiple for Base Sum Assured

Minimum and Maximum Sum Assured multiple table

Premium Payment Modes

Annual, Semi-Annual, Monthly, Quarterly

Download Brochure Terms & Conditions Know how the plan works Death Benefit Multiple Table

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