Protection Plan

A term plan (Non Par)

Unbelievable but true!

Secure your family's future
For more details, call 1800 425 6969 or sms* PROTECT to 5676769 or visit www.metlife.co.in

@ just Rs.20 per lac per month

1

MetLife India Insurance Company Ltd,

Registered Office: Brigade Seshamahal, 5, Vani Vilas Road, Basavanagudi, Bangalore 560 004 Tel: +91-080-26438638 IRDA Registration number 117 Insurance is the subject matter of the solicitation. LD/2009-10/EC397/707. UIN for Met Suraksha Plus is 117N055V01, for Accidental Death Benefit Rider is 117C014V01, for Critical Illness Benefit Rider is 117C013V01. *Premium sms charges as applicable.

1 Premium mentioned is exclusive of service tax and is applicable for a Non-smoker standard healthy life aged 35 years for a 20 years term, when sum assured opted is Rs.1 crore.

Met Suraksha Plus - A Pure Protection Term Plan Ensuring that your family is safe, secure and has a comfortable lifestyle at all times is of paramount importance to you. However, life is unpredictable. To protect your loved ones from any uncertainties of life, MetLife offers you 'Met Suraksha Plus'. A pure protection plan to ensures that your family is always secure and has a comfortable lifestyle at a fraction of a cost. What is Met Suraksha Plus? Like the name suggests, Met Suraksha Plus is a low premium pure risk cover plan. It is designed for people like you who want to take care of their financial commitments, should anything unfortunate happen to you, at a nominal cost. To put it simply, it is a life insurance plan that gives you the complete protection so that you can enjoy life to the fullest.

What are the benefits of Met Suraksha Plus? A low cost, pure risk insurance plan. Get rewarded with lower premiums for being a Non-smoker. High life cover at nominal prices with lower premium rates for high Sum Assured. Customize your plan with riders to increase cover with only a marginal increase in premium. Avail of tax benefits on your premiums paid as applicable.

In case of monthly mode a minimum of 3 months premium will be collected. How does Met Suraksha Plus work? 2 simple steps to your own plan: Step 1: Choose the amount of protection that you need Step 2: Decide on the term of your policy Pay the regular premiums whether you are a Non-smoker or not and provide guaranteed financial protection to your family. What are all the policy benefits? In the event of Death during the term of the policy, the beneficiary will receive the Sum Assured, provided the policy is in force at the time of death. The policy does not acquire any paid-up value. There is no surrender and maturity value under this policy. Who is a Non-smoker? People who have not smoked or consumed tobacco or nicotine products in any form in the last 5 years (Tobacco product includes but not limited to Cigarettes, Bidis, Cigars, chewable tobaccos like Ghutka, flavored Pan Masala etc). The special premium rates will be offered subject to satisfactory results of Cotinine Test besides other underwriting requirements as may be required by the company from time to time. Additional Benefit during the term of the policy In future, if the Company were to re-price this product and reduce the premium rates, the Company would offer a reduction in premium to the existing premium under Met Suraksha Plus for policies in full force. However, in case of an increase in premium rates following re-pricing this product, no increase in the premium rates will be made to the existing policies. Consider Arun, a 40 year executive, a preferred life (Non-smoker) is looking for a low cost insurance plan for 30 years. Met Suraksha Plus offers this and more. Arun buys a Rs. 35, 00,000 insurance cover under this plan which costs him only Rs. 16,905* annually. In case of his unfortunate death during the term of policy, his beneficiary stands to get Rs. 35,00,000 which is the Sum Assured.

Are you eligible for Met Suraksha Plus? Conditions

Minimum Age at Entry (lbd)* Maximum Age at Entry (lbd)* Max Policy Expiry Age Minimum Sum Assured Maximum Sum Assured Minimum Annualized Premium Term Premium Payment Term Mode

Eligibility
18 years 60 years 70 years Rs. 25 lakhs (Availing for Non-smokers rate) Rs. 10 lakhs (for Other) No limit subject to Underwriting Rs. 3,600 10 35 Years Regular Pay Annual, Semi-Annual, Quarterly, Monthly, Payroll Savings Plan

* lbd: last birthday What are the premium paying modes and factors? You may choose to pay your premiums annually, semi-annually, quarterly, monthly and by the Payroll Savings Program. Following factors are applied to annual premium when paying premiums other than annual. Mode of Premium
Semi-Annual Quarterly Monthly Payroll Savings Program

Multiplicative Factor
0.5131 0.2605 0.0886 0.0868

*This is exclusive of Service Tax. Service Tax is charged separately from the Policyholder at the prevailing tax rates over and above the tabular premium and is subject to changes in the tax laws in future. How can you customize your plan? Besides life cover, you can also opt for additional cover through riders by paying a nominal premium. Your nominee will receive a Sum Assured, in case any of the following events/illness listed under the rider occurs. Accidental Death Benefit (ADB) Rider# (UIN No. 117C014V01) Provides for payment of an additional amount should death occur as a result of an accident by outward, violent and visible means before 60 years of age. This rider can be attached at inception or during the term of the policy subject to the rider conditions. Critical Illness (CI) Rider# (UIN No. 117C013V01) This rider provides payment of an additional amount on diagnosis of any of the 10 Critical Illnesses specified. You can have the money to pay for the illness when you need it, thus helping you to protect yourself against any health or lifestyle risk. The rider cover ceasing age is 60 years. This rider can be attached only at inception of the policy subject to the rider conditions.
#

A word about Taxes Tax benefits under this plan are available as per the provisions and conditions of the Income Tax Act and are subject to any changes made in the tax laws in future. Please consult your tax advisor for advice on the availability of tax benefits for the premiums paid and proceeds received under the policy. What are the other provisions available? Freelook Period You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. If you have any objections to any of the terms and conditions, you have the option to return the Policy stating the reasons for the objections and you shall be entitled to a refund of the premium paid subject only to a deduction of a proportionate premium for the time on risk that we have borne in addition to the expenses incurred on medical examination (if any) and the stamp charges. Grace Period If premiums are not paid on its due date a Grace Period of 30 (thirty) days for quarterly/half-yearly/yearly frequency and 15 (fifteen) days for monthly frequency will be allowed for payment of premium without

Riders can be opted at an additional premium only if the eligibility criteria with respect to the riders are satisfied.

interest. During the Grace Period the Policy shall continue to be in force for all the Insured events. If the premium is/are not paid within the Grace Period, the Policy will lapse and subject to non-forfeiture options (reduced paid up value) if applicable. Reinstatement When the premium is not paid within the Grace Period, the Policy shall lapse and no benefits will be payable. The Policyholder may, however, reinstate the Policy while the Person Insured is alive if the Policyholder: Requests in writing for reinstatement within three (3) years from the date of the Policy lapse. Provides satisfactory evidence of insurability to us and fill all such requirements which may be reasonably prescribed by us including the "cotinine test" as decided by the Company. Pays all due premiums to date of reinstatement with compound interest at the rate prescribed by the Company at the time of reinstatement On fulfillment of reinstatement requirement as specified by the Company. The Company reserves the right to accept or accept with modified terms or decline the revival of a discontinued policy. Further the Company reserves the right to impose such extra premium as it deems fit.

Exclusions Suicide In the event the Person Insured commits suicide, whether sane or insane at that time, within 1 year from the Date of Commencement of insurance cover or the issue date of the policy or the date of the last reinstatement whichever is later, the insurance cover shall be void and we shall not be liable to pay any of the benefits available under the product including but not limited to the Sum Assured except refunding the premium(s) received without interest, if any, less stamp charges and expenses incurred on medical examination (if any). Travel, Residence and Occupation This Policy does not impose any restrictions on residence or occupation except as otherwise provided by law. There would be no restrictions on travel except to areas notified by local governments for Travel Advisory risks. Disclaimer Statutory Warning: Section 41 of the Insurance Act, 1938 states: No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Any Person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees. Section 45 of the Insurance Act, 1938 states: No policy of life insurance effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and no policy of life insurance effected after the coming into force of this Act shall after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal for insurance or in any

The revival of a lapsed policy is also subject to payment of revival fee, which is Rs. 250/- at present and subject to review in future with IRDA approval. Termination The Policy will be terminated at the earliest in case of any of the following: On expiry of the term of the policies At the expiry of 3 years from the date of lapsation, when the Policy has not been reinstated The date of intimation of the death of the Person Insured

report of a medical officer, or referee, or friend of the Person Insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such a statement was on material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policy owner and that the owner knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose: Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the Person Insured was incorrectly stated in the proposal. Please read this Sales brochure carefully before concluding any sale. This product brochure is only indicative of terms, conditions, warranties and exceptions contained in the insurance policy. The detailed Terms and Conditions are contained in the Policy Document. Insurance is the subject matter of the solicitation.

About MetLife MetLife India Insurance Company Limited (MetLife) is an affiliate of MetLife, Inc. and was incorporated as a joint venture between MetLife International Holdings, Inc., The Jammu and Kashmir Bank, M. Pallonji and Co. Private Limited and other private investors. MetLife is one of the fastest growing life insurance companies in the country. It serves its customers by offering a range of innovative products to individuals and group customers at more than 700 locations through its bank partners and company-owned offices. MetLife has more than 55,000 Financial Advisors, who help customers achieve peace of mind across the length and breadth of the country. For more information about MetLife, please visit the company's website at www.metlife.co.in MetLife, Inc., through its affiliates, reaches more than 70 million customers in the Americas, Asia Pacific and Europe. Affiliated companies, outside of India, include the number one life insurer in the United States (based on life insurance inforce), with over 140 years of experience and relationships with more than 90 of the top one hundred FORTUNE 500 companies. The MetLife companies offer life insurance, annuities, automobile and home insurance, retail banking and other financial services to individuals, as well as group insurance, reinsurance and retirement and savings products and services to corporations and other institutions.