Quotation/Proposal Number 70015063229 Quotation/Proposal Date 18 - Nov - 2023

PNB MetLife India Insurance Co. Ltd.

Benefit Illustration for PNB MetLife Century Plan (UIN No. :117N129V01)
Individual, Non-Linked, Participating, Savings, Life Insurance Plan
Personal details
Name of the Life Assured Rajesh Singhal Name of the Product PNB MetLife Century Plan
Age of Life Assured 46 Tag Line Individual, Non-Linked, Participating, Savings, Life Insurance Plan
Gender of Life Assured Male UIN 117N129V01

Name of Policyholder Rajesh Singhal GST rate applicable 1st year / 2nd year onwards 4.500% / 2.250%
Age of Policyholder 46
Gender of Policyholder Male
Is client an employee? No
Policy Term 54 years
Premium Payment Term 15 years
Amount of Instalment Premium 1,00,000
Mode of payment of Premium Annual

How to read and understand this benefit illustration?

This benefit illustration is intended to show year-wise premiums payable and benefits under the policy, at two assumed rates of interest i.e., 8% p.a. and 4% p.a.Some benefits are guaranteed and some benefits are variable with returns based on the future
performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked guaranteed in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will
show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of
factors including future investment performance.

Policy Details
Policy Options Death Benefit multiple 10.60 Annualised Premium (Rs.) 1,00,000
Plan Option Smart Income Base Sum Assured (Rs.) 10,00,000 Age Extra No
Maturity Option Upto Age 100 Sum Assured on Death (at inception of policy) (Rs.) 10,60,000 Health Extra No
Family Care Benefit No High Premium Reward Yes

Bonus Type Cash Bonus

Income payout mode Annual
Premium Summary
Base Plan Age Extra Health Extra Total Installment Premium
Installment Premium without GST (Rs.) 1,00,000 0 0 1,00,000
Installment Premium with First Year GST (Rs.) 1,04,500 0 0 1,04,500 Premium to be
Installment Premium with GST Second Year Onwards (Rs.) 1,02,250 0 0 1,02,250 collected

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s [email protected] or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com
 Base Policy Benefit Details
Total Benefits including Guaranteed and Non-Guaranteed Benefits
Guaranteed benefits Non-Guaranteed benefits @4% Non-Guaranteed benefits @8%
Survival Benefit Maturity Benefit Death Benefit Surrender Benefit
Total Total Total Total Total
Age of Annualised Total Survival Maturity Maturity Death Death Total Total
Policy the Life premium* Min.
Year Assured Guaranteed Fixed Surrender Death Maturity Accrued Cash Fixed Surrender Accrued Cash Fixed Surrender Survival Benefit Benefit, Benefit, Benefit, Benefit, Surrender Surrender
(years)
(Rs.) Cash Bonus Income Benefit** Benefit Benefit Reversionary Bonus Income Benefit** Reversionary Bonus Income Benefit** Benefit @8% including including including including Value Value
(Rs.) (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) @4% Terminal Terminal Terminal Terminal @4% @8%
(15) = Bonus, if Bonus, if Bonus, if Bonus, if
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) = (1+ 11+ any @4% any @8% any @4% any @8% (20) = (21) =
(1+7+8) 12) (3+9) (3+13)
(16) (17) (18) (19)
1 46 1,00,000 0 0 0 10,60,000 0 0 17,200 0 0 0 35,200 0 0 17,200 35,200 0 0 10,77,200 10,95,200 0 0
2 47 1,00,000 0 0 60,000 10,60,000 0 0 17,200 0 17,200 0 35,200 0 35,200 17,200 35,200 0 0 10,77,200 10,95,200 77,200 95,200
3 48 1,00,000 0 0 1,05,000 10,60,000 0 0 17,200 0 34,400 0 35,200 0 70,400 17,200 35,200 0 0 10,77,200 10,95,200 1,39,400 1,75,400
4 49 1,00,000 0 0 2,00,000 10,60,000 0 0 17,200 0 51,600 0 35,200 0 1,05,600 17,200 35,200 0 0 10,77,200 10,95,200 2,51,600 3,05,600
5 50 1,00,000 0 0 2,50,000 10,60,000 0 0 17,200 0 68,800 0 35,200 0 1,40,800 17,200 35,200 0 0 10,77,200 10,95,200 3,18,800 3,90,800
6 51 1,00,000 0 0 3,09,000 10,60,000 0 0 17,200 0 86,000 0 35,200 0 1,76,000 17,200 35,200 0 0 10,77,200 10,95,200 3,95,000 4,85,000
7 52 1,00,000 0 0 3,71,000 10,60,000 0 0 17,200 0 1,03,200 0 35,200 0 2,11,200 17,200 35,200 0 0 10,77,200 10,95,200 4,74,200 5,82,200
8 53 1,00,000 0 0 4,32,000 10,60,000 0 0 17,200 0 1,20,400 0 35,200 0 2,46,400 17,200 35,200 0 0 10,77,200 10,95,200 5,52,400 6,78,400
9 54 1,00,000 0 0 4,99,500 10,60,000 0 0 17,200 0 1,37,600 0 35,200 0 2,81,600 17,200 35,200 0 0 10,77,200 10,95,200 6,37,100 7,81,100
10 55 1,00,000 0 0 5,70,000 10,60,000 0 0 17,200 0 1,54,800 0 35,200 0 3,16,800 17,200 35,200 0 0 10,77,200 10,95,200 7,24,800 8,86,800
11 56 1,00,000 0 0 6,43,500 11,55,000 0 0 17,200 0 3,31,500 0 35,200 0 5,63,500 17,200 35,200 0 0 11,55,000 11,55,000 9,75,000 12,07,000
12 57 1,00,000 0 0 7,14,000 12,60,000 0 0 17,200 0 3,65,400 0 35,200 0 6,30,400 17,200 35,200 0 0 12,60,000 12,60,000 10,79,400 13,44,400
13 58 1,00,000 0 0 7,93,000 13,65,000 0 0 17,200 0 3,93,800 0 35,200 0 6,94,800 17,200 35,200 0 0 13,65,000 13,65,000 11,86,800 14,87,800
14 59 1,00,000 0 0 8,75,000 14,70,000 0 0 17,200 0 4,21,200 0 35,200 0 7,60,200 17,200 35,200 0 0 14,70,000 14,70,000 12,96,200 16,35,200
15 60 1,00,000 0 0 9,60,000 15,75,000 0 0 17,200 0 4,48,600 0 35,200 0 8,28,600 17,200 35,200 0 0 15,75,000 15,75,000 14,08,600 17,88,600
16 61 0 0 0 9,75,000 15,75,000 0 0 18,870 0 4,83,000 0 42,140 0 9,08,000 18,870 42,140 0 0 15,75,000 15,75,000 14,58,000 18,83,000
17 62 0 0 0 9,97,500 15,75,000 0 0 18,870 0 5,12,240 0 42,140 0 9,88,780 18,870 42,140 0 0 15,75,000 15,75,000 15,09,740 19,86,280
18 63 0 0 0 10,20,000 15,75,000 0 0 18,870 0 5,41,480 0 42,140 0 10,70,560 18,870 42,140 0 0 15,75,000 15,75,000 15,61,480 20,90,560
19 64 0 0 0 10,42,500 15,75,000 0 0 18,870 0 5,71,720 0 42,140 0 11,54,340 18,870 42,140 0 0 15,75,000 15,75,000 16,14,220 21,96,840
20 65 0 0 0 10,57,500 15,75,000 0 0 18,870 0 6,10,460 0 42,140 0 12,47,620 18,870 42,140 0 0 15,75,000 15,75,000 16,67,960 23,05,120
21 66 0 0 0 10,80,000 15,75,000 0 0 18,870 0 6,41,700 0 42,140 0 13,34,400 18,870 42,140 0 0 15,75,000 15,75,000 17,21,700 24,14,400
22 67 0 0 0 11,02,500 15,75,000 0 0 18,870 0 6,73,940 0 42,140 0 14,24,180 18,870 42,140 0 0 15,75,000 15,75,000 17,76,440 25,26,680
23 68 0 0 0 11,25,000 15,75,000 0 0 18,870 0 7,07,180 0 42,140 0 15,15,960 18,870 42,140 0 0 15,75,000 15,75,000 18,32,180 26,40,960
24 69 0 0 0 11,40,000 15,75,000 0 0 18,870 0 7,47,920 0 42,140 0 16,18,240 18,870 42,140 0 0 15,75,000 15,75,000 18,87,920 27,58,240
25 70 0 0 0 11,62,500 15,75,000 0 0 18,870 0 7,83,160 0 42,140 0 17,16,020 18,870 42,140 0 0 15,75,000 15,75,000 19,45,660 28,78,520
26 71 0 0 0 11,85,000 15,75,000 0 0 18,870 0 8,19,400 0 42,140 0 18,16,800 18,870 42,140 0 0 15,75,000 15,75,000 20,04,400 30,01,800
27 72 0 0 0 12,07,500 15,75,000 0 0 18,870 0 8,56,640 0 42,140 0 19,23,580 18,870 42,140 0 0 15,75,000 15,75,000 20,64,140 31,31,080
28 73 0 0 0 12,22,500 15,75,000 0 0 18,870 0 9,03,380 0 42,140 0 20,41,860 18,870 42,140 0 0 15,75,000 15,75,000 21,25,880 32,64,360
29 74 0 0 0 12,45,000 15,75,000 0 0 18,870 0 9,44,620 0 42,140 0 21,59,640 18,870 42,140 0 0 15,75,000 15,75,000 21,89,620 34,04,640
30 75 0 0 0 12,67,500 15,75,000 0 0 18,870 0 9,87,860 0 42,140 0 22,85,420 18,870 42,140 0 0 15,75,000 15,75,000 22,55,360 35,52,920
31 76 0 0 0 12,90,000 15,75,000 0 0 20,540 0 10,35,100 0 49,080 0 24,20,200 20,540 49,080 0 0 15,75,000 15,75,000 23,25,100 37,10,200
32 77 0 0 0 13,05,000 15,75,000 0 0 20,540 0 10,94,180 0 49,080 0 25,81,360 20,540 49,080 0 0 15,75,000 15,75,000 23,99,180 38,86,360
33 78 0 0 0 13,27,500 15,75,000 0 0 20,540 0 11,50,760 0 49,080 0 27,49,020 20,540 49,080 0 0 15,75,000 16,59,080 24,78,260 40,76,520
34 79 0 0 0 13,50,000 15,75,000 0 0 20,540 0 12,12,340 0 49,080 0 29,32,680 20,540 49,080 0 0 15,75,000 17,67,080 25,62,340 42,82,680
35 80 0 0 0 13,50,000 15,75,000 0 0 20,540 0 13,03,420 0 49,080 0 31,57,840 20,540 49,080 0 0 15,75,000 18,94,080 26,53,420 45,07,840

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s [email protected] or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com
 Base Policy Benefit Details
Total Benefits including Guaranteed and Non-Guaranteed Benefits
Guaranteed benefits Non-Guaranteed benefits @4% Non-Guaranteed benefits @8%
Survival Benefit Maturity Benefit Death Benefit Surrender Benefit
Total Total Total Total Total
Age of Annualised Total Survival Maturity Maturity Death Death Total Total
Policy the Life premium* Min.
Year Assured Guaranteed Fixed Surrender Death Maturity Accrued Cash Fixed Surrender Accrued Cash Fixed Surrender Survival Benefit Benefit, Benefit, Benefit, Benefit, Surrender Surrender
(years)
(Rs.) Cash Bonus Income Benefit** Benefit Benefit Reversionary Bonus Income Benefit** Reversionary Bonus Income Benefit** Benefit @8% including including including including Value Value
(Rs.) (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) Bonuses (Rs.) (Rs.) (Rs.) (Rs.) @4% Terminal Terminal Terminal Terminal @4% @8%
(15) = Bonus, if Bonus, if Bonus, if Bonus, if
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) = (1+ 11+ any @4% any @8% any @4% any @8% (20) = (21) =
(1+7+8) 12) (3+9) (3+13)
(16) (17) (18) (19)
36 81 0 0 0 13,50,000 15,75,000 0 0 20,540 0 14,00,500 0 49,080 0 34,07,000 20,540 49,080 0 0 15,75,000 20,45,080 27,50,500 47,57,000
37 82 0 0 0 13,50,000 15,75,000 0 0 20,540 0 15,06,580 0 49,080 0 36,81,160 20,540 49,080 0 0 15,98,540 22,21,080 28,56,580 50,31,160
38 83 0 0 0 13,50,000 15,75,000 0 0 20,540 0 16,23,660 0 49,080 0 39,75,320 20,540 49,080 0 0 16,74,540 24,17,080 29,73,660 53,25,320
39 84 0 0 0 13,50,000 15,75,000 0 0 20,540 0 17,54,740 0 49,080 0 42,91,480 20,540 49,080 0 0 17,64,540 26,35,080 31,04,740 56,41,480
40 85 0 0 0 13,50,000 15,75,000 0 0 20,540 0 19,03,820 0 49,080 0 46,32,640 20,540 49,080 0 0 18,72,540 28,78,080 32,53,820 59,82,640
41 86 0 0 0 13,50,000 15,75,000 0 0 20,540 0 20,62,900 0 49,080 0 50,00,800 20,540 49,080 0 0 19,90,540 31,48,080 34,12,900 63,50,800
42 87 0 0 0 13,50,000 15,75,000 0 0 20,540 0 22,33,980 0 49,080 0 54,00,960 20,540 49,080 0 0 21,20,540 34,50,080 35,83,980 67,50,960
43 88 0 0 0 13,50,000 15,75,000 0 0 20,540 0 24,18,060 0 49,080 0 58,35,120 20,540 49,080 0 0 22,63,540 37,86,080 37,68,060 71,85,120
44 89 0 0 0 13,50,000 15,75,000 0 0 20,540 0 25,86,140 0 49,080 0 63,09,280 20,540 49,080 0 0 24,04,540 41,62,080 39,36,140 76,59,280
45 90 0 0 0 13,50,000 15,75,000 0 0 20,540 0 27,54,220 0 49,080 0 68,29,440 20,540 49,080 0 0 25,85,540 45,84,080 41,04,220 81,79,440
46 91 0 0 0 13,50,000 15,75,000 0 0 22,210 0 29,45,300 0 54,290 0 74,03,600 22,210 54,290 0 0 27,95,210 50,65,290 42,95,300 87,53,600
47 92 0 0 0 13,50,000 15,75,000 0 0 22,210 0 31,69,720 0 54,290 0 80,47,180 22,210 54,290 0 0 30,42,210 56,00,290 45,19,720 93,97,180
48 93 0 0 0 13,50,000 15,75,000 0 0 22,210 0 34,42,140 0 54,290 0 87,71,760 22,210 54,290 0 0 33,44,210 62,16,290 47,92,140 1,01,21,760
49 94 0 0 0 13,50,000 15,75,000 0 0 22,210 0 37,89,560 0 54,290 0 96,00,340 22,210 54,290 0 0 37,29,210 69,36,290 51,39,560 1,09,50,340
50 95 0 0 0 13,50,000 15,75,000 0 0 22,210 0 43,03,840 0 54,290 0 1,05,78,920 22,210 54,290 0 0 42,76,210 78,06,290 56,53,840 1,19,28,920
51 96 0 0 0 13,50,000 15,75,000 0 0 22,210 0 44,13,800 0 54,290 0 1,06,87,500 22,210 54,290 0 0 42,76,210 78,06,290 57,63,800 1,20,37,500
52 97 0 0 0 13,50,000 15,75,000 0 0 22,210 0 45,31,710 0 54,290 0 1,07,96,080 22,210 54,290 0 0 42,76,210 78,06,290 58,81,710 1,21,46,080
53 98 0 0 0 13,50,000 15,75,000 0 0 22,210 0 46,58,170 0 54,290 0 1,09,04,660 22,210 54,290 0 0 42,76,210 78,06,290 60,08,170 1,22,54,660
54 99 0 0 0 0 15,75,000 15,75,000 0 22,210 0 0 0 54,290 0 0 22,210 54,290 56,15,000 97,15,000 51,22,210 92,54,290 0 0

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s [email protected] or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com
Notes:
*Annualized Premiums exclude underwriting extra premium, frequency loadings on premium, the premiums paid towards the Riders, if any, Goods & service tax. Refer Sales literature for explanation of terms used in this illustration.
**In case cash bonuses have been paid out, the same (alongwith Fixed Income payout) shall be deducted from the Surrender Values indicated, at the time of payout.
Goods & Service Tax levied is as per presently applicable tax laws and the same are subject to changes in the tax laws in future. Please consult your Tax advisor for more details. Service Tax is inclusive of applicable cess.
Notes to the Benefit Illustration:
1. PNB MetLife Century Plan is only the name of the product and does not in any way indicate the quality of the product, its future prospects or returns.
2. Please read this benefit illustration in conjunction with the product brochure carefully to understand all Terms, Conditions and Exclusions before concluding a sale. The detailed Terms and Conditions are contained in the Policy Document.
3. Neither the Company nor any of its Advisor/ Financial Planning Consultants are authorised to offer any tax related advice. The tax benefits under various sections shall be available as per the prevailing tax regulations.
4. The above illustration is applicable to a standard life (in terms of medical, life style and occupation).
5. Some benefits are guaranteed and some benefits are variable with returns based on the future performance of the life insurance company. If your policy offers guaranteed returns then these will be clearly marked guaranteed in the illustration table.
6. The values in the illustration have been rounded off to the nearest rupee wherever applicable.
7. Cash bonus will be subject to a guaranteed minimum Cash Bonus Rate during premium payment term if Super Income Option is chosen and during Fixed Income Payout Period (as applicable) if Future Income option is chosen.
8. Fixed Income is equal to Sum of all accrued Simple Reversionary Bonuses divided by Fixed Income Payout Period (as applicable). Fixed Income Payout Period commences from 15th policy year and equal to outstanding term ll maturity or specified fixed period;
whichever is earlier. Such specified fixed period is 30 years for maturity age option 100 years and 20 years for maturity age option 80 years.
9. The above amounts assume that all premiums are paid when due. Further, the above death and surrender values are illustrated assuming that all the installment premium payable in a policy year are paid (i.e. the event occurs at the end of the policy year). The
death or surrender values at any time other than at the end of the policy year will be lower than those illustrated above.
10. For the purpose of illustra ons, we have used 4% and 8% as the lower and the higher rates of investment returns respec vely, in the calcula ons. These are in accordance with the guidelines issued by IRDA of India and in no way signify our expecta ons of
investment return on the funds and the actual investment returns may be higher or lower.
11. The maximum amount of policy loan payable is limited to 80% of the Surrender Value at the end of the relevant Policy Year less any unpaid premiums for that year and loan interest accrued to the end of that year.
12. In case of any conflict between this benefit illustration and your policy document, the latter shall prevail.
13. The main objective of the illustration is that you are able to understand the features of the product and the nature of benefits under different circumstances with some level of quantification.
14. The policy will acquire a surrender value after payment of two full years' premium and the policy can continue with paid up
15. Terminal Bonus (if any) shall be payable post premium payment term or 10 years whichever is earlier in the event of death of Life Assured, surrender or maturity
16. Surrender Value payable is taken as the higher of Guaranteed Surrender Value and Special Surrender Value. Please read the Policy document for more details.
17. For more details on risk factors, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
18. The following riders are available along with this plan: PNB MetLife Accidental Death Benefit Rider Plus (UIN: 117B020V03), PNB MetLife Serious Illness Rider (UIN: 117B021V03).

I, …...................... (name), have explained the premiums, and benefits under the product fully to the prospect / policyholder. I, …...................... (name), having received the informa on with respect to the above, have understood the above statement
before entering into the contract.

Place:
Date: Date:
Signature of Agent / Intermediary / Official Signature of Prospect / Policyholder

Financial Advisor/Specified Person/Authorized Person of Broker Code/IMF: _________________

Branch/Location: _________________________ Contact No: ________________ Seal: ____________________

PNB MetLife India Ins ura nce Compa ny Limited, Regis tered office: Unit No 701,702 a nd 703, 7th Floor, Wes t Wing ,Ra heja Towers , 26/27 M G Roa d, Ba nga lore- 560001, Ka rna ta ka .
Ca ll us Toll-free a t 1-800-425-6969, Ema il: india s [email protected] or write to us : 1s t Floor, Techniplex -1, Techniplex Complex, Off Veer Sa va rka r Flyover,
Gorega on (Wes t), Mumba i - 400062, Ma ha ra s htra . Phone: +91-22-41790000, Fa x: +91-22-41790203. IRDA of India Regis tra tion Number: 117, CI No.: U66010KA2001PLC028883,
Webs ite: www.pnbmetlife.com