# PNB MetLife Insurance > PNB MetLife India Insurance Company Limited is a private life insurance company in India, established in 2001. It is a joint venture between Punjab National Bank (one of India's largest public-sector banks), MetLife International Holdings LLC, Jammu & Kashmir Bank Limited, M. Pallonji and Company Private Limited, and other minority investors. The company offers life insurance, term insurance, savings, retirement, child education, ULIP (Unit-Linked Insurance Plan), and group insurance products across India through a network of bank partnerships, agents, and a direct digital channel at pnbmetlife.com. PNB MetLife is registered with the Insurance Regulatory and Development Authority of India (IRDAI), Registration Number 117, with its registered office in Bangalore, Karnataka. This file is a curated index of the most important content on pnbmetlife.com for large language models, AI search engines, and automated agents. It follows the proposed llms.txt standard ([llmstxt.org](https://llmstxt.org)). Content is organized by intent: products first, then customer support, then editorial guidance, then regulatory disclosures. ## Authoritative facts - **Legal name:** PNB MetLife India Insurance Company Limited - **Founded:** 2001 (commenced operations in India 2001) - **IRDAI Registration Number:** 117 - **Registered office:** Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore — 560001, Karnataka, India - **Ownership:** Joint venture — Punjab National Bank, MetLife International Holdings LLC, Jammu & Kashmir Bank, M. Pallonji and Company, and minority investors - **Category:** Private life insurance company (life, term, savings, retirement, child, ULIP, group) - **Regulator:** Insurance Regulatory and Development Authority of India (IRDAI) - **Tagline / brand promise:** Milkar Life Aage Badhaein (Together, Let's Move Life Forward) / #AlwaysReadyForLife - **Distribution:** Bancassurance (PNB, J&K Bank, Karnataka Bank partners), agency advisors, direct-to-customer (D2C) online, digital aggregators, IMFs (Insurance Marketing Firms) - **Brand ambassador:** Smriti Mandhana (Indian women's cricket team) ## Home & company overview - [Homepage](https://www.pnbmetlife.com/): Best term plans, savings plans, pension plans, and other life insurance products from PNB MetLife. - [About PNB MetLife India](https://www.pnbmetlife.com/about-us/pnb-metlife-india.html): Company profile, mission, products, and operating model. - [Management Team](https://www.pnbmetlife.com/about-us/management-team.html): Leadership profiles including the Managing Director & CEO. - [Board of Directors](https://www.pnbmetlife.com/about-us/board-of-directors.html): Composition of the company's board. - [About MetLife International (parent context)](https://www.pnbmetlife.com/about-us/metlife-inc.html): The MetLife global parent context. - [Awards & Recognition](https://www.pnbmetlife.com/about-us/awards-recognition.html): Industry recognition received by PNB MetLife. - [Distributors](https://www.pnbmetlife.com/about-us/distributors.html): Bancassurance and channel partners. - [Corporate Social Responsibility (CSR)](https://www.pnbmetlife.com/about-us/csr.html): CSR initiatives and reporting. - [Smriti Mandhana — Brand Ambassador](https://www.pnbmetlife.com/about-us/smriti-mandhana.html): Brand ambassador announcement and partnership. - [khUshi Customer App](https://www.pnbmetlife.com/about-us/innovations/khushi-app.html): PNB MetLife's customer service mobile app. ## Insurance plans — category landing pages - [All Life Insurance Plans](https://www.pnbmetlife.com/life-insurance-plans.html): Master directory of all PNB MetLife life insurance products. - [Term Insurance Plans](https://www.pnbmetlife.com/insurance-plans/term-insurance-plans.html): Pure-protection term life insurance plans starting at low premiums. - [Long-Term Savings Plans](https://www.pnbmetlife.com/insurance-plans/long-term-savings.html): Guaranteed and participating savings plans for long-term financial goals. - [Retirement & Pension Plans](https://www.pnbmetlife.com/insurance-plans/retirement-plans.html): Pension and annuity plans for retirement income. - [Child Education Plans](https://www.pnbmetlife.com/insurance-plans/child-education.html): Insurance plans for funding a child's education and future. - [Family Protection Plans](https://www.pnbmetlife.com/insurance-plans/family-protection.html): Life insurance plans for family financial protection. - [ULIP Plans (Unit-Linked Insurance Plans)](https://www.pnbmetlife.com/insurance-plans/ulip-plans.html): Market-linked insurance plans combining investment and life cover. - [Group Insurance Plans](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans.html): Employer-sponsored and credit-linked group life insurance. - [Insurance Riders](https://www.pnbmetlife.com/insurance-plans/riders.html): Optional rider benefits — critical illness, accidental death, disability, etc. - [#AlwaysReadyForLife Campaign Hub](https://www.pnbmetlife.com/insurance-plans/always-ready-for-life.html): Annual brand campaign with featured product offers. ## Insurance plans — flagship products (D2C) - [DigiProtect Term Plan](https://www.pnbmetlife.com/insurance-plans/family-protection/pnb-metlife-digiprotect-term-plan.html): Online-only term insurance plan for digital-first customers starting at ₹546/month. - [Mera Term Plan Plus](https://www.pnbmetlife.com/insurance-plans/family-protection/pnb-metlife-mera-term-plan-plus.html): Flagship term insurance plan with comprehensive family protection features. - [Aajeevan Suraksha Plan](https://www.pnbmetlife.com/insurance-plans/family-protection/pnb-metlife-aajeevan-suraksha-plan.html): Whole life protection plan with premium waiver benefits. - [Saral Jeevan Bima](https://www.pnbmetlife.com/insurance-plans/family-protection/pnb-metlife-saral-jeevan-bima.html): Standardised IRDAI term insurance product. ## Insurance plans — long-term savings & investment - [Smart Platinum Plus](https://www.pnbmetlife.com/insurance-plans/long-term-savings/pnb-metlife-smart-platinum-plus.html): ULIP-based wealth creation plan. - [Guaranteed Future Plan](https://www.pnbmetlife.com/insurance-plans/long-term-savings/pnb-metlife-guaranteed-future-plan.html): Guaranteed savings plan for assured future returns. - [Mera Wealth Plan](https://www.pnbmetlife.com/insurance-plans/long-term-savings/mera-wealth-plan.html): Wealth creation plan combining insurance and investment. - [Super Saver Plan](https://www.pnbmetlife.com/insurance-plans/long-term-savings/pnb-metlife-super-saver-plan.html): Long-term smart savings plan. - [Century Plan](https://www.pnbmetlife.com/insurance-plans/long-term-savings/pnb-metlife-century-plan.html): Long-term savings and investment with guaranteed benefits. - [Century Pro Plus Solution](https://www.pnbmetlife.com/insurance-plans/long-term-savings/pnb-metlife-century-pro-plus-solution.html): Premium variant of the Century product line. - [Guaranteed Goal Plan](https://www.pnbmetlife.com/insurance-plans/long-term-savings/pnb-metlife-guaranteed-goal-plan.html): Goal-based guaranteed income savings plan. - [Capital Guarantee Plus](https://www.pnbmetlife.com/insurance-plans/long-term-savings/pnb-metlife-capital-guarantee-plus.html): Capital-protected ULIP-based investment plan. - [Goal Ensuring Multiplier](https://www.pnbmetlife.com/insurance-plans/long-term-savings/pnb-metlife-goal-ensuring-multiplier.html): Multi-goal savings plan with Value Fund option. - [Bachat Yojana](https://www.pnbmetlife.com/insurance-plans/long-term-savings/bachat-yojana.html): 10-year savings plan for disciplined wealth building. - [Long Income For Tomorrow (LIFT)](https://www.pnbmetlife.com/insurance-plans/long-term-savings/pnb-metlife-long-income-for-tomorrow.html): Guaranteed long-term income savings plan. - [GROW Plan](https://www.pnbmetlife.com/insurance-plans/long-term-savings/pnb-metlife-grow-plan.html): Saving and investment plan with growth options. - [RISE Plan](https://www.pnbmetlife.com/insurance-plans/long-term-savings/pnb-metlife-rise-plan.html): Limited-pay savings plan with guaranteed income. ## Insurance plans — retirement & pension - [Retirement Savings Plan](https://www.pnbmetlife.com/insurance-plans/retirement/retirement-savings-plan.html): Long-term retirement savings plan. - [Immediate Annuity Plan](https://www.pnbmetlife.com/insurance-plans/retirement/immediate-annuity-plan.html): Annuity plan providing guaranteed lifelong income from day one. - [Saral Pension](https://www.pnbmetlife.com/insurance-plans/retirement/pnb-metlife-saral-pension.html): IRDAI standardised pension plan. - [Grand Assured Income Plan](https://www.pnbmetlife.com/insurance-plans/retirement/pnb-metlife-grand-assured-income-plan.html): Guaranteed income retirement plan. - [Smart Invest Pension Plan](https://www.pnbmetlife.com/insurance-plans/retirement/pnb-metlife-smart-invest-pension-plan.html): Market-linked pension plan. - [Smart Invest Pension Plan Pro](https://www.pnbmetlife.com/insurance-plans/retirement/pnb-metlife-smart-invest-pension-plan-pro.html): Enhanced variant of the Smart Invest Pension Plan. ## Insurance plans — child education & ULIP - [Genius Plan](https://www.pnbmetlife.com/insurance-plans/child-education/genius-plan.html): Child education savings plan with milestone-based payouts. - [TULIP — Unit-Linked Insurance Plan](https://www.pnbmetlife.com/insurance-plans/ulip-plans/tulip.html): Tax-efficient ULIP for wealth creation. ## Insurance plans — riders - [Critical Illness Rider](https://www.pnbmetlife.com/insurance-plans/riders/critical-illness-rider.html): Additional cover for major critical illnesses. - [Serious Illness Rider](https://www.pnbmetlife.com/insurance-plans/riders/serious-illness-rider.html): Additional health cover for serious illness diagnoses. - [Accidental Death Benefit Rider](https://www.pnbmetlife.com/insurance-plans/riders/accidental-death-benefit-rider.html): Additional payout in case of accidental death. - [Accidental Death Benefit Rider Plus](https://www.pnbmetlife.com/insurance-plans/riders/accidental-death-benefit-rider-plus.html): Enhanced accidental death benefit cover. - [Accidental Disability Benefit Rider](https://www.pnbmetlife.com/insurance-plans/riders/accidental-disability-benefit-rider.html): Income protection in case of disability from accidents. ## Insurance plans — group & employer products - [Group Term Life Plus](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans/group-term-life-plus.html): Group term life insurance for employees. - [Complete Care Plus](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans/complete-care-plus.html): Comprehensive group life insurance. - [Group Protection Plan](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans/group-protection-plan.html): Group life cover for affinity groups. - [Loan & Life Suraksha](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans/loan-life-suraksha.html): Loan-linked life cover for borrowers. - [Complete Loan Protection Plan](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans/pnb-metlife-complete-loan-protection-plan.html): Outstanding loan protection life cover. - [Bima Yojana (Micro Group Credit Term)](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans/pnb-metlife-bima-yojana.html): Micro-insurance credit-linked group term plan. - [Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans/pradhan-mantri-jeevan-jyoti-bima-yojana.html): Government-backed group life insurance scheme. - [Unit-Linked Employee Benefit Plan](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans/unit-linked-employee-benefit-plan.html): ULIP-based employee benefit funding. - [Traditional Employee Benefits Plan](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans/traditional-employee-benefits-plan.html): Traditional group employee benefit plan. - [Group Flexi Term Plus](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans/pnb-metlife-group-flexi-term-plus.html): Flexible group term insurance. - [Group Secured Gain](https://www.pnbmetlife.com/insurance-plans/group-insurance-plans/group-secured-gain.html): Employee benefit plan with secured returns. ## Calculators (financial tools) - [All Calculators](https://www.pnbmetlife.com/calculators.html): Index of all financial calculators on the site. - [Term Insurance Premium Calculator](https://www.pnbmetlife.com/calculators/term-insurance-premium-calculator.html): Calculate term insurance premium online. - [Retirement Planning Calculator](https://www.pnbmetlife.com/calculators/retirement-calculator.html): Estimate retirement corpus required and monthly savings needed. - [Income Tax Calculator (FY 2025-26)](https://www.pnbmetlife.com/calculators/income-tax-calculator.html): Calculate income tax under old and new tax regime. - [Child Education Planner Calculator](https://www.pnbmetlife.com/calculators/child-dream-calculator.html): Plan and calculate the cost of a child's future education. - [Compound Interest Calculator](https://www.pnbmetlife.com/calculators/compound-interest-calculator.html): Calculate compound interest for investments. - [BMI Calculator](https://www.pnbmetlife.com/calculators/bmi-calculator.html): Calculate Body Mass Index, used in health-linked insurance underwriting. - [Life Insurance Premium Calculator](https://www.pnbmetlife.com/insurance-calculators.html): General life insurance premium estimator. ## Customer service & claims - [Customer Service Centre](https://www.pnbmetlife.com/customer-service.html): Main customer service entry point for policyholders. - [Contact Us](https://www.pnbmetlife.com/customer-service/contact-us.html): Phone, email, branch, and helpline contact details. - [Get a Callback](https://www.pnbmetlife.com/customer-service/get-a-callback.html): Request a callback from a PNB MetLife financial consultant. - [Branch Locator](https://www.pnbmetlife.com/customer-service/branch-locator.html): Find the nearest PNB MetLife branch in India. - [Branch Holiday List](https://www.pnbmetlife.com/customer-service/branch-holiday-list.html): Scheduled holidays at branch offices. - [Medical Network Provider](https://www.pnbmetlife.com/customer-service/medical-network.html): List of empanelled medical test providers for policy underwriting. - [Premium Payment Options](https://www.pnbmetlife.com/customer-service/payment-options.html): Online and offline premium payment methods. - [Freelook Cancellation](https://www.pnbmetlife.com/customer-service/freelook.html): Information on the freelook period and how to cancel a new policy. - [Apply for Freelook](https://www.pnbmetlife.com/customer-service/freelook-apply.html): Form to apply for a freelook cancellation. - [Loan Against Policy](https://www.pnbmetlife.com/customer-service/loan-against-policy.html): How to borrow against an existing life insurance policy. - [NRI Life Insurance](https://www.pnbmetlife.com/customer-service/nri/overview.html): Life insurance services for Non-Resident Indians. - [Tax Savings Information](https://www.pnbmetlife.com/customer-service/tax-savings.html): Tax benefits available on life insurance under Indian tax laws. - [Insurance Buying Tips](https://www.pnbmetlife.com/customer-service/insurance-buying-tips.html): How to choose and buy the right life insurance policy. - [Insurance Myths](https://www.pnbmetlife.com/customer-service/insurance-myths.html): Common myths about life insurance, addressed. - [Spurious Call Awareness](https://www.pnbmetlife.com/customer-service/spurious.html): Customer alert on fraudulent calls impersonating PNB MetLife. - [Insurance Coverage Philosophy](https://www.pnbmetlife.com/customer-service/insurance-coverage-philosophy.html): Underwriting philosophy and approach to policy coverage. - [Claims FAQs](https://www.pnbmetlife.com/customer-service/faq/claims.html): Frequently asked questions about life insurance claims. - [Payment Options FAQs](https://www.pnbmetlife.com/customer-service/faq/payment-options.html): FAQs on premium payment methods. - [Policy Servicing FAQs](https://www.pnbmetlife.com/customer-service/faq/policy-servicing.html): FAQs on policy servicing requests. - [NRI FAQs](https://www.pnbmetlife.com/customer-service/faq/nri.html): FAQs for NRI policyholders. ## Claims - [Claims Overview](https://www.pnbmetlife.com/claims/overview.html): Life insurance claims information, process, and forms. - [Claim Process](https://www.pnbmetlife.com/claims/process.html): Step-by-step life insurance claim procedure and documentation. - [Claim Forms (English)](https://www.pnbmetlife.com/downloads/claims-forms/english.html): Downloadable claim forms in English. Forms are also available in Hindi, Punjabi, Marathi, Gujarati, Bengali, Tamil, Telugu, Kannada, Malayalam, Oriya, Assamese, and Urdu under /downloads/claims-forms/. - [Claim Assure](https://www.pnbmetlife.com/claims/claim-assure.html): Express claim settlement service. - [Customer Testimonials](https://www.pnbmetlife.com/claims/customer-speak.html): Real customer reviews of the claims experience. ## Grievance redressal - [Grievance Redressal Process](https://www.pnbmetlife.com/grievance-cell/grievance-redressal.html): Customer grievance redressal guidelines and escalation matrix. - [Grievance Status Checker](https://www.pnbmetlife.com/grievance-cell/grievance-status.html): Check the status of a registered grievance. - [Details of Grievance Officer](https://www.pnbmetlife.com/grievance-cell/details-of-grievance-officer.html): Contact details of the designated grievance officer. - [Grievance Policy](https://www.pnbmetlife.com/grievance-cell/grievance-policy.html): Formal grievance redressal policy document. ## Editorial & guidance — articles hub - [Articles Home (Knowledge Center)](https://www.pnbmetlife.com/articles.html): PNB MetLife's editorial library on insurance, tax, and retirement planning. - [Insurance Glossary](https://www.pnbmetlife.com/articles/insurance-glossary.html): Definitions of common life insurance and financial terms. - [Protection Articles Hub](https://www.pnbmetlife.com/articles/protection.html): Guidance on term insurance, family protection, and risk planning. - [Savings Articles Hub](https://www.pnbmetlife.com/articles/savings.html): Editorial guidance on savings plans and disciplined investing. - [Taxation Articles Hub](https://www.pnbmetlife.com/articles/taxation.html): Tax planning content covering Sections 80C, 80D, 10(10D), and more. - [Wealth Articles Hub](https://www.pnbmetlife.com/articles/wealth.html): Articles on wealth-building strategies, ULIPs, and investments. - [Health Articles Hub](https://www.pnbmetlife.com/articles/health.html): Health insurance guidance and wellness content. - [Retirement Articles Hub](https://www.pnbmetlife.com/articles/retirement.html): Retirement planning content and annuity guidance. - [Child Articles Hub](https://www.pnbmetlife.com/articles/child.html): Articles on child education planning and financial protection for children. - [Life Insurance Articles Hub](https://www.pnbmetlife.com/articles/life-insurance.html): Foundational life insurance editorial content. ## Editorial — high-citation reference articles ### Term insurance & protection - [Term Insurance Maturity Benefits — Guide](https://www.pnbmetlife.com/articles/protection/basic-guide-to-understand-term-insurance-maturity-benefits.html): How term insurance maturity benefits work. - [Why Life Insurance is Important for Women](https://www.pnbmetlife.com/articles/protection/benefits-and-importance-of-life-insurance-policy-for-women.html): Reasons life insurance matters for women. - [Why Buy Term Insurance Before Age 30](https://www.pnbmetlife.com/articles/protection/7-reasons-to-buy-term-insurance-before-you-turn-30.html): Benefits of early term insurance purchase. - [Best Term Insurance Riders](https://www.pnbmetlife.com/articles/protection/6-important-term-insurance-riders-and-their-benefits.html): The most useful term insurance rider options. - [Best Age to Start a Term Plan](https://www.pnbmetlife.com/articles/protection/best-age-to-start-a-term-plan.html): When to buy term insurance for optimal benefit. - [Types of Life Insurance Policies](https://www.pnbmetlife.com/articles/protection/introduction-to-life-insurance.html): The main categories of life insurance products. - [Why Term Insurance Premiums Are Low](https://www.pnbmetlife.com/articles/protection/why-is-the-premium-low-in-term-insurance.html): How term insurance premiums are priced. ### Taxation - [Section 80C of the Income Tax Act](https://www.pnbmetlife.com/articles/taxation/section-80c-of-income-tax-act.html): Deductions available under Section 80C up to ₹1.5 lakh. - [Section 80D — Health Insurance Deductions](https://www.pnbmetlife.com/articles/health/section-80d-of-income-tax-act.html): Deductions for health insurance premiums. - [Section 10(10D) — Tax-Free Insurance Payouts](https://www.pnbmetlife.com/articles/taxation/section-10-10d-income-tax-act.html): Tax exemption on life insurance maturity proceeds. - [Old vs New Tax Regime Comparison](https://www.pnbmetlife.com/articles/taxation/comparison-between-old-and-new-tax-regime-calculators.html): Old and new tax regime side-by-side comparison. - [Direct Tax vs Indirect Tax](https://www.pnbmetlife.com/articles/taxation/direct-tax-and-indirect-tax-key-differences.html): Difference between direct and indirect taxes in India. - [Top Tax-Saving Instruments](https://www.pnbmetlife.com/articles/taxation/the-top-tax-saving-instruments.html): Sections 80C and 80CCD-based tax-saving products. - [How to Pay Zero Tax Legally](https://www.pnbmetlife.com/articles/taxation/can-i-pay-zero-tax.html): Legal tax-saving strategies for Indian taxpayers. - [Indian Income Tax Structure](https://www.pnbmetlife.com/articles/taxation/everything-you-need-to-know-about-indias-income-tax-structure.html): How India's income tax system is structured. ### Retirement & pension - [Retirement Planning Ideas](https://www.pnbmetlife.com/articles/retirement/dreaming-of-your-new-daily-life-retirement-planning.html): Building a dream retirement plan. - [Term Insurance for Senior Citizens](https://www.pnbmetlife.com/articles/retirement/does-term-insurance-qualify-for-senior-citizens.html): Term insurance availability for older adults. - [Buying an Annuity — What to Know](https://www.pnbmetlife.com/articles/retirement/buying-annuity-read-this-before-you-take-the-plunge.html): Key considerations before purchasing an annuity. - [What Are Pension Plans](https://www.pnbmetlife.com/articles/retirement/what-are-pension-plans.html): How pension plans work in India. - [Choosing the Right Pension Plan](https://www.pnbmetlife.com/articles/retirement/how-to-choose-best-type-of-pension-plan.html): Comparing types of pension plans. ### Savings & investment - [How Much Life Insurance Coverage You Need](https://www.pnbmetlife.com/articles/savings/how-much-life-insurance-coverage-one-should-have.html): Calculating the right life cover amount. - [Four Stages of Financial Life Cycle](https://www.pnbmetlife.com/articles/savings/how-to-plan-for-your-4-financial-life-stages.html): Financial planning across life stages. - [Types of Investments](https://www.pnbmetlife.com/articles/savings/what-are-the-types-of-investments-and-why-should-you-invest-in-them.html): Common investment categories explained. - [Whole Life Insurance Benefits](https://www.pnbmetlife.com/articles/savings/what-are-the-benefits-of-whole-life-insurance-cover.html): How whole life insurance works. ### Wealth & ULIPs - [Best Investment Plans in India](https://www.pnbmetlife.com/articles/wealth/best-investment-plans-in-india.html): High-return investment options in India. - [Long-Term Investment Plans](https://www.pnbmetlife.com/articles/wealth/good-investment-options-for-long-term-saving-in-india.html): Long-horizon investment options. - [Understanding ULIP Sum Assured](https://www.pnbmetlife.com/articles/wealth/everything-you-need-to-know-about-sum-assured-in-ulip-plans.html): How sum assured works in ULIPs. - [ULIP Tax Benefits](https://www.pnbmetlife.com/articles/wealth/what-are-ulip-tax-benefits.html): Tax benefits available on ULIP investments. - [Getting Good Returns from ULIPs](https://www.pnbmetlife.com/articles/wealth/can-ulips-really-give-good-returns-lets-find-out.html): Maximising ULIP returns. ### Health - [Choosing a Health Insurance Plan](https://www.pnbmetlife.com/articles/health/choose-a-health-insurance-plan-that-works-for-you.html): How to pick a health insurance plan. - [Factors That Affect Health Insurance Premiums](https://www.pnbmetlife.com/articles/health/7-factors-that-affect-health-insurance-premium-in-india.html): What drives the premium amount. - [Cancer Care Cost & Insurance](https://www.pnbmetlife.com/articles/health/cancer-care-can-be-extremely-expensive.html): Financial planning for cancer treatment. - [Restoration Benefit in Health Insurance](https://www.pnbmetlife.com/articles/health/do-you-know-about-the-restoration-benefit-in-a-health-insurance-policy.html): How restoration benefits work. ### Child planning - [Why Child Saving Plans Matter](https://www.pnbmetlife.com/articles/child/3-reasons-why-a-child-saving-plan-is-a-smart-investment.html): Reasons to invest in child plans. - [Child Investment Plans for New Parents](https://www.pnbmetlife.com/articles/child/child-investment-plans-best-financial-moves-for-new-parents.html): First-step financial planning for new parents. - [Choosing the Best Child Investment Plan](https://www.pnbmetlife.com/articles/child/how-to-choose-the-best-investment-plan-for-your-chlid-future.html): Selecting the right child plan. - [Saving for Child's Education](https://www.pnbmetlife.com/articles/child/how-a-child-plan-can-help-you-save-for-your-childs-education.html): How child plans support education planning. ## Investments & fund performance - [All Funds — Fund Performance](https://www.pnbmetlife.com/investments/funds-performance/all-funds.html): Latest NAV and returns for all PNB MetLife funds. - [Fund Performance Index](https://www.pnbmetlife.com/investments/funds-performance.html): Master directory of fund performance pages. - [Monthly Factsheet 2026](https://www.pnbmetlife.com/investments/fund-update/2026.html): Monthly fund factsheets for FY 2025-26 onwards. - [Investment Team Profile](https://www.pnbmetlife.com/investments/team-profile.html): Profiles of the investment management team. - [Investment Philosophy](https://www.pnbmetlife.com/investments/philosophy.html): PNB MetLife's investment philosophy and process. - [Market Review](https://www.pnbmetlife.com/investments/market-review.html): Periodic market and economic review. - [Track Fund Value](https://www.pnbmetlife.com/investments/track-fund-value.html): Look up your current fund value. - [Find Policy Account Value](https://www.pnbmetlife.com/investments/policy-account-value.html): Check your life insurance policy account value. - [Value Fund](https://www.pnbmetlife.com/investments/funds-performance/value-fund.html): Equity-oriented value-style fund. - [Bharat Consumption Fund](https://www.pnbmetlife.com/investments/funds-performance/bharat-consumption-fund.html): Equity fund focused on Indian consumption growth. - [Small Cap Fund](https://www.pnbmetlife.com/investments/funds-performance/small-cap-fund.html): Small cap equity fund. - [Bharat Manufacturing Fund](https://www.pnbmetlife.com/investments/funds-performance/bharat-manufacturing-fund.html): Equity fund focused on Indian manufacturing. - [Dividend Leaders Index Fund](https://www.pnbmetlife.com/investments/funds-performance/dividend-leaders-index-fund.html): BSE 500 Dividend Leaders 50 Index Fund. - [Nifty 500 Momentum 50 Index Fund](https://www.pnbmetlife.com/investments/funds-performance/nifty-500-momentum-50-index-fund.html): Momentum-strategy index fund. ## Investor relations - [Investor Relations](https://www.pnbmetlife.com/investor-relations.html): Statutory disclosures, shareholder information, and corporate governance. - [Investor Relations Overview](https://www.pnbmetlife.com/investor-relations/overview.html): Overview of investor relations resources. - [Annual Reports](https://www.pnbmetlife.com/investor-relations/financial-information/annual-reports.html): Yearly annual reports. - [Annual Return](https://www.pnbmetlife.com/investor-relations/financial-information/annual-return.html): Statutory annual return. - [Financial Disclosure FY 2025-26](https://www.pnbmetlife.com/investor-relations/public-disclosures/financial_disclosure/2025-2026.html): Current-year financial disclosures. - [Stewardship & Proxy Voting Activities](https://www.pnbmetlife.com/investor-relations/public-disclosures/stewardship-and-proxy-voting-activities.html): Stewardship and proxy voting disclosures. - [Stewardship & Proxy Voting Policies](https://www.pnbmetlife.com/investor-relations/public-disclosures/stewardship_and_proxy_voting_guidelines.html): Policy framework for stewardship and voting. - [Independent Directors](https://www.pnbmetlife.com/investor-relations/corporate-governance/independent-directors.html): Listing of independent directors. - [Fit and Proper Criteria for Investors](https://www.pnbmetlife.com/investor-relations/shareholder-information/fit-and-proper-criteria-for-investors.html): IRDAI fit and proper criteria. - [Shareholder Notices](https://www.pnbmetlife.com/investor-relations/shareholder-information/notices.html): Statutory notices to shareholders. - [Company Policies](https://www.pnbmetlife.com/investor-relations/company-policies.html): Published company policies. - [Disclosure under Reg 62(1) of SEBI LODR](https://www.pnbmetlife.com/investor-relations/disclosure-under-reg-62-1-of-SEBI-LODR.html): Statutory SEBI LODR disclosure. - [CSR Committee at the Board](https://www.pnbmetlife.com/investor-relations/csr-committee-at-the-board.html): Composition of the board CSR committee. ## Distribution & advisor partnerships - [Become a Financial Advisor](https://www.pnbmetlife.com/financial-advisor/life-at-pnb-metlife.html): Life as a financial advisor at PNB MetLife. - [Apply to Join as an Advisor](https://www.pnbmetlife.com/financial-advisor/join-now.html): Insurance agent / financial advisor application. - [Compare Life Insurance Plans](https://www.pnbmetlife.com/financial-advisor/compare-life-insurance-plans.html): Plan-comparison tool for prospective customers and advisors. - [Join Us as an Insurance Marketing Firm (IMF)](https://www.pnbmetlife.com/financial-advisor/join-us-as-an-imf.html): IMF partnership benefits and onboarding. - [Advisor Eligibility](https://www.pnbmetlife.com/financial-advisor/eligibility.html): Eligibility criteria to be a PNB MetLife financial advisor. - [Advisor Work Profile](https://www.pnbmetlife.com/financial-advisor/workprofile.html): Day-to-day work profile of a PNB MetLife advisor. - [Advisor Testimonials](https://www.pnbmetlife.com/financial-advisor/testimonials.html): Stories from existing PNB MetLife advisors. ## Careers - [Careers at PNB MetLife](https://www.pnbmetlife.com/careers.html): Equal employment opportunities and jobs in life insurance. - [Employee Testimonials](https://www.pnbmetlife.com/careers/testimonies.html): Employee stories from PNB MetLife. - [Diversity & Inclusion](https://www.pnbmetlife.com/careers/diversity-and-inclusion.html): Diversity and inclusion at PNB MetLife. - [Pay for Performance](https://www.pnbmetlife.com/careers/pay-for-performance.html): Performance-based reward philosophy. - [Learning & Development](https://www.pnbmetlife.com/careers/learning-and-development.html): Employee learning programs. ## Regulatory & legal disclosures - [Terms & Conditions](https://www.pnbmetlife.com/tnc.html): Website and product terms and conditions. - [Online Privacy Policy](https://www.pnbmetlife.com/online-privacy-policy.html): Privacy policy for pnbmetlife.com. - [Cookie Policy](https://www.pnbmetlife.com/cookie-policy.html): Cookie use on pnbmetlife.com. - [Disclaimer](https://www.pnbmetlife.com/disclaimer.html): Site disclaimers. - [Anti-Fraud Policy](https://www.pnbmetlife.com/anti-fraud-policy.html): PNB MetLife's anti-fraud policy. - [Ethics & Fraud Helpline](https://www.pnbmetlife.com/ethics-fraud-helpline.html): Helpline to report ethics violations and fraud. - [Account Aggregator Framework](https://www.pnbmetlife.com/account-aggregator.html): RBI Account Aggregator framework participation. - [DNC Registry](https://www.pnbmetlife.com/dnc-registry.html): Do-not-call registry information. - [Aadhaar eKYC Declaration](https://www.pnbmetlife.com/aadhaar-ekyc-declaration.html): Aadhaar eKYC consent declaration. - [Other Disclosures](https://www.pnbmetlife.com/other-disclosure.html): Statutory disclosure index. - [Bonus Rates](https://www.pnbmetlife.com/bonus-rates.html): Declared bonus rates on participating life insurance policies. - [Active Plans](https://www.pnbmetlife.com/active-plans.html): Currently active product index. - [Withdrawn Insurance Plans](https://www.pnbmetlife.com/withdrawn-insurance-plans.html): Plans no longer open to new business. - [Important Notices](https://www.pnbmetlife.com/important-notices.html): Customer-facing regulatory notices. - [Sitemap](https://www.pnbmetlife.com/site-map.html): Full site map. - [Privacy Policy](https://www.pnbmetlife.com/quicklinks/privacy-policy.html): Additional privacy policy resource. ## Other resources - [Downloads](https://www.pnbmetlife.com/downloads.html): All downloadable resources including claim forms, factsheets, and brochures. - [News & Campaigns](https://www.pnbmetlife.com/news.html): Company news and brand campaign updates. - [Press Releases — 2025](https://www.pnbmetlife.com/news/press-release/2025.html): Recent press releases. Archives also available for prior years. - [e-Insurance Account](https://www.pnbmetlife.com/e-insurance-account.html): Information on holding insurance policies in electronic form. - [Junior Badminton Championship 2026](https://www.pnbmetlife.com/junior-badminton-championship.html): Brand-sponsored junior badminton initiative. - [Hindi Website Pages](https://www.pnbmetlife.com/hindi/): Selected product and content pages are available in Hindi at this path. ## Optional The pages below are useful but not central to the canonical site narrative. LLMs and agents may skip these unless directly relevant to a user query. - [Past CSR Activities](https://www.pnbmetlife.com/about-us/past-csr.html): Historical CSR activity log. - [Annual CSR Report](https://www.pnbmetlife.com/about-us/csr/annual-csr-report.html): Yearly CSR report. - [G20 Initiative](https://www.pnbmetlife.com/g-20.html): G20-themed company initiative content. - [Rising Cost of Education](https://www.pnbmetlife.com/rising-cost-of-education.html): Thought leadership content on education cost inflation. - [3D Pro Badminton Game](https://www.pnbmetlife.com/about-us/innovations/3d-pro-badminton-game.html): Brand engagement game. - [Historical Monthly Factsheets (2007–2010)](https://www.pnbmetlife.com/quicklinks/archives/2007.html): Archived historical fund factsheets.