Rural Life Insurance: Savings Plan with Money Back Policy - PNB MetLife

Key Benefits of PNB MetLife Bhavishya Plus

  • 1

    Waiver of premium

  • 2

    Financial security

  • 3

    Survival Benefits

  • 4

    Tax Benefit


PNB MetLife Bhavishya Plus, a rural life insurance plan, is specifically built with its waiver of premium benefit to address your family needs even when you won’t be around. You receive the triple benefit of protection, money back plan and guaranteed savings plan for your loved ones.

PNB MetLife Bhavishya Plus ensures

  1. Provides guaranteed funds for your family’s long term needs
  2. Death Benefits are paid and policy continues in case of any unfortunate eventuality
  3. Offers tax benefits* on the premiums paid and on the benefits received

    *Terms and Conditions apply
    Tax benefits are as per the Income Tax Act, 1961, and are subject to amendments made thereto from time to time. Please consult your tax consultant for more details.

Product Benefits

Secure your family's long term financial needs

  • Your policy pays a guaranteed * amount of 20% of Base Sum Assured, at the end of each policy year, in the last three years before the maturity.
  • On maturity the policy pays a guaranteed* amount of 40% of Base Sum Assured plus accumulated earned bonuses, if any.


Bonus pay outs if any, will be added to your policy from the third year onwards until the end of the policy.
Your annual premium multiplied with the Multiplier factor is the Base Sum Assured.

Ensure financial security of your child

In the event of death, your loved ones will get the following triple benefits -

  • Immediate payment of Death Sum Assured plus accumulated earned bonuses.
  • Waiver of all remaining premiums and the policy remains fully active for the remaining tenure.
  • Survival Benefits which are 20% of Base Sum Assured at end of each policy year in the last three years before maturity plus 40% of Base Sum Assured along with accumulated earned bonuses, if any, are paid at maturity.


Boundary Conditions

Minimum ages at entry*

20 years

Maximum ages at entry*

45 years

Max. age at maturity*

69 years

Minimum Premium

Yearly : 8,000 p.a Half Yearly : 10,000 p.a Monthly : 15,000 p.a

Maximum premium

Rs 17,999 p.a

Premium Payment Term


Minimum Policy Term#

12 years

Maximum Policy Term#

24 years

Minimum Sum Assured

Rs. 92,320 (Based on lowest Sum Assured multiple allowed under the plan)

Maximum Sum Assured

Rs. 500,000

*Age Last Birthday, ECS mandatory for monthly mode, Min/Max premiums does not include the taxes or extra premiums.

Terms & Conditions Download Brochure Premium Rates Form Download Hindi Leaflet

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