PNB Metlife Aajeevan Suraksha
- Flexible Premium Payment
- Joint Life Cover
- Whole Life Cover
PNB Metlife Aajeevan Suraksha Plan offers individuals a comprehensive life cover with a plethora of benefits and features embedded within the plan. Aajeevan Suraksha Plan offers you the convenience to pay premiums for a shorter period of time or throughout the policy term as well as life cover up to 99 years of age. Insurance holders can also opt to cover their spouse under the same plan and select the return of premiums on survival till the end of the policy term. The plan offers individuals a choice of 4 benefit options, namely
Additional benefits under the plan include a 'Return of Premium' option to get your premiums back on survival till maturity rider benefits as well as inbuilt coverage against terminal illness. In order to reach the right purchase decision it is essential to understand if the plan is tailored as per your needs and requirements. In this article, we shed light on all the pros and cons of the Aajeevan Suraksha Plan.
PNB Metlife Aajeevan Suraksha Plan offers you a range of benefits including:
Minimum Age - 18 years Maximum Age - 45 years
Maximum Maturity Age - 99 years
Minimum term - 10 years Maximum term - 99 years
Basic Sum Assured: Rs. 25 Lakhs to no limit
The policy loan is not available under PNB Metlife Aajeevan Suraksha Plan.
Yearly, half-yearly & monthly
Let's understand how the PNB MetLife Aajeevan Suraksha Plan works with a simple premium illustration.
Varun, 30 years old, is looking for a term plan that provides whole-life coverage and offers a spouse coverage option so he can add his wife to the same plan.
His financial advisor advised him to buy the PNB MetLife Aajeevan Suraksha Plan Work. He visited PolicyX.com.
Let's understand how the PNB MetLife Aajeevan Suraksha Plan works for him with an example.
| Age of policyholder | Monthly Premiums | Annual Premiums | Policy Tenure | Total premiums paid | Sum assured |
| 30 years | ₹1,154/month | ₹13,848/year | 30 years | ₹4,15,440 | ₹1 Crore |
Key Takeaways: If Varun passes away during the policy term, his wife will receive guaranteed monthly income from next month till the benefit period ends.
Here are the benefits associated with the PNB Metlife Aajeevan Suraksha
The maturity benefit is applicable only if the 'Return of Premiums' option is chosen at the policy inception. The Maturity Benefit is equal to the Guaranteed Sum Assured on Maturity.
Under the PNB Metlife Aajeevan Suraksha plan, female policyholders are entitled to special premium rates.
Under this benefit, insured individuals are entitled to receive a maturity benefit which is equal to the guaranteed sum assured on maturity on survival till the maturity of the policy.
Aajeevan Suraksha Plan offers flexible premium payment by offering insurance holders to opt for yearly, half-yearly, or monthly premium payment modes.
You can add the following riders to your PNB Metlife Aajeevan Suraksha Plan:
Get additional health coverage on top of the base cover in case of a diagnosis of any listed critical illnesses.
Get an extra payout on top of base cover upon your unfortunate death due to an accident.
Here is the list of exclusions associated with the plan:
PNB MetLife Aajeevan Suraksha is a comprehensive term insurance plan that gives you complete protection up to the age of 99 years. You can also choose to cover your spouse in the same plan and choose the return of premiums on survival till the end of the policy term. If you want to know more about the plan or compare different plans, you can easily contact us through the website policyx.com or call us at 1800-4200-269.
PNB Metlife Saral Jeevan Bima is a standard term insurance plan designed as per the guidelines of IRDAI. This plan is designed to provide pure protect...
Unique Features
PNB Metlife Aajeevan Suraksha Plan offers individuals a comprehensive life cover with a plethora of benefits and features embedded within the plan. Aa...
Unique Features
PNB Metlife Mera Jeevan Suraksha Plan is designed to provide quality coverage in unforeseen circumstances. The plan not only includes death coverage b...
Unique Features
'A Term plan that gives regular monthly income after your demise' If you support your family financially through your income, then undoubtedly, the co...
Unique Features
Are you the sole earning member of your family, and feel worried about what will happen in case of an emergency? Who will take care of all expenses? S...
Unique Features
PNB MetLife Mera Term Plan Plus is a comprehensive pure protection plan that helps you protect your family financially upon your sudden demise. Under ...
Unique Features
4.6
Rated by 858 customers
Select Your Rating
Let us know about your experience or any feedback that might help us serve you better in future.
Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
2390-1729058503.webp)
4209-1730875091.webp)
Do you have any thoughts you’d like to share?