{"uin":"117L138V05","name":"PNB MetLife Smart Invest Pension Plan Pro","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05","insurer":{"slug":"pnb-metlife-insurance","name":"PNB MetLife India Insurance Company Limited","url":"https://indiainsurances.com/insurer/pnb-metlife-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":"ULIP","kind":"product","status":"active","approved_on":"2025-10-16","withdrawn_on":null,"summary":"PNB MetLife Smart Invest Pension Plan Pro is an individual, non-participating, unit-linked pension savings plan with Retire Secure and Retire Secure Plus options. It has a 5-year lock-in, no premium allocation or policy administration charge, and fund management charges of 1.35% for equity funds, 0.75% for Pension Bond Fund and 0.50% for Pension Discontinued Fund.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:08:43.628062+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Retire Secure","Retire Secure Plus"],"display":"Retire Secure; Retire Secure Plus","note":null,"quote":"At inception of Your Policy, You can choose between two Plan Options: Retire Secure and Retire Secure Plus. Once chosen, the Plan Option cannot be altered throughout the Policy Term.","sources":[{"clause":null,"heading":"3.1. Policy Benefits","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-3-1-policy-benefits"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy schedule contains only a placeholder for the chosen policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The document refers to claim settlement time from the date of intimation, but does not state a deadline for giving intimation.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled and signed Claim form","Copy of valid death certificate issued by local authority","Claimant’s Current address proof & Photo identity proof","Cancelled cheque / Copy of bank passbook","PAN Card/Form 60 of the Claimant","Doctor’s Certificate prescribed in PNB MetLife Format","Copy of the First Information Report (FIR), Panchnama and Postmortem Report (PMR), Viscera report if applicable","Copy of the Final Police Investigation report (FPIR)/ Charge sheet if applicable","Obituary/Newspaper cutting","Complete Medical records for any treatment taken in past or at the time of death","Medical cause of death certificate","Employer Certificate"],"display":"Claim form, death certificate, claimant ID/address proof, bank proof, PAN/Form 60, doctor’s certificate, and additional documents depending on cause or place of death.","note":"PNB MetLife reserves the right to call for additional documents or evidence if required.","quote":"1. Duly filled and signed Claim form; 2. Copy of valid death certificate issued by local authority; 3. Claimant’s Current address proof & Photo identity proof 4. Cancelled cheque / Copy of bank passbook 5. PAN Card/Form 60 of the Claimant 6. **Doctor’s Certificate prescribed in PNB MetLife Format (From the family physician or treating doctor) ... If the death is due to accident, suicide, and murder then below additional documents required: • Copy of the First Information Report (FIR), Panchnama and Postmortem Report (PMR), Viscera report if applicable • Copy of the Final Police Investigation report (FPIR)/ Charge sheet if applicable • Obituary/Newspaper cutting ... If the death at home & hospital, then below additional documents required: • Complete Medical records for any treatment taken in past or at the time of death o Indoor Case papers o Death summary o Discharge summary • Medical cause of death certificate • **Employer Certificate - Only if Life assured was a salaried individual","sources":[{"clause":null,"heading":"6.5. Claims Procedure","page":34,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-6-5-claims-procedure"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For cases not warranting investigation, 15 days from date of intimation of claim. For cases warranting investigation, 45 days from date of intimation of claim.","display":"15 days from intimation; 45 days from intimation if investigation is required","note":"This timing is stated in the Customer Information Sheet.","quote":"Turn Around Time (TAT) for claims settlement and brief procedure – a. For cases not warranting investigation – 15 days from date of intimation of claim b. For cases warranting investigation – 45 days from date of intimation of claim","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":3,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-customer-information-sheet-know-your-policy-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["death of the Life Assured, due to suicide within 12 (twelve) months from the Date of Commencement of Risk, or from the date of Revival of the Policy"],"display":"Suicide within 12 months from commencement of risk or revival","note":null,"quote":"In case of death of the Life Assured, due to suicide within 12 (twelve) months from the Date of Commencement of Risk, or from the date of Revival of the Policy, as applicable, the Claimant shall be entitled to the Fund Value, as available on the date of intimation of death.","sources":[{"clause":null,"heading":"6.11. Suicide Exclusion","page":36,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-6-11-suicide-exclusion"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First approach the insurer’s touch points: call 1800-425-69-69, email indiaservice@pnbmetlife.co.in, write to Customer Service Department in Mumbai, use the website, or visit a PNB MetLife branch. If not satisfied or no response within 10 days, write to the Grievance Redressal Officer at gro@pnbmetlife.co.in or to the Gurugram address.","display":"Level 1: insurer touch points; Level 2: Grievance Redressal Officer if not satisfied or no response within 10 days","note":null,"quote":"For any complaint/grievance, approach any of Our following touch points: • Call 1800-425-69-69 (Toll free) • Email at indiaservice@pnbmetlife.co.in • Write to Customer Service Department, 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062. • Online through Our website www.pnbmetlife.com • Our nearest PNB MetLife branch across the country. Level 2: In case not satisfied with the resolution provided by the above touch points, or have not received any response within 10 (ten) days, You may • Write to Our Grievance Redressal Officer at gro@pnbmetlife.co.in or • Send a letter to PNB MetLife India Insurance Co. Ltd, Unit No 302, 3rd Floor, Tower 3 Worldmark, Maidawas Road, Sector 65, Gurugram, Haryana 122018.","sources":[{"clause":null,"heading":"Level 1","page":38,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-level-1"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Sum Assured is 105% of the Total Premiums Paid up to the date of death, less any Partial Withdrawals made during the last 2 years immediately before death. Partial Withdrawals made from Top-Up Premium are not reduced for this purpose.","display":"105% of Total Premiums Paid up to death, less partial withdrawals in the last 2 years","note":"Top-Up Sum Assured is separately stated as 105% of Top-Up Premium paid.","quote":"“Sum Assured” shall be equal to 105% of the Total Premiums Paid up to the date of death, less any Partial Withdrawals made during the last 2 (two)-years period immediately preceding the date of death of the Life Assured. Partial Withdrawals made from Top-Up Premium shall not be reduced for this purpose.","sources":[{"clause":"8(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-8-a"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For Retire Secure, death while in-force pays the highest of Rs.10,000, Fund Value including Top-Up Fund Value as on the date of intimation of death, or Sum Assured, and the policy terminates. For Retire Secure Plus, death during or after the Premium Payment Term while in-force pays the highest of Rs.10,000 or Sum Assured, the policy continues to the end of the Policy Term, future premiums are waived during the Premium Payment Term, and Vesting Benefit is payable at the end of the Policy Term.","display":"Retire Secure: highest of Rs.10,000, Fund Value including Top-Up Fund Value, or Sum Assured. Retire Secure Plus: highest of Rs.10,000 or Sum Assured, with policy continuing and waiver of future premiums during PPT.","note":"The claimant may withdraw the death benefit or use all or part of it to buy immediate or deferred annuity; if it is insufficient to buy the minimum annuity, it is paid as lump sum.","quote":"For Retire Secure Plan Option: In the event of death of the Life Assured while the Policy is in-force, We will pay highest of following amounts to the Claimant: • Rs.10,000/-; or • Fund Value (Including Top-Up Fund Value, if any) as on the date of intimation of death; or • Sum Assured With the payment of the Death Benefit the Policy shall immediately and automatically terminate. ... Death during the Premium Payment Term: In the event of death of the Life Assured during the Premium Payment Term while the Policy is In-Force Status, We will pay highest of following amounts to the Claimant: • Rs.10,000/-; or • Sum Assured Further, policy shall continue till the end of the Policy Term. All future Premiums will be waived off ... Death after the Premium Payment Term: In the event of death of the Life Assured, within the Policy Term but after the Premium Payment Term while the Policy is In-Force Status, We will pay highest of following amounts to the Claimant: • Rs.10,000/-; or • Sum Assured Further, the Policy shall continue till the end of the Policy Term. ... Vesting Benefit will be payable to Claimant at the end of policy term.","sources":[{"clause":"8(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-8-a"},{"clause":null,"heading":"Options to Claimant to avail death benefit","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-options-to-claimant-to-avail-death-benefit"},{"clause":null,"heading":"Options to Claimant to avail death benefit","page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-options-to-claimant-to-avail-death-benefit-2"},{"clause":null,"heading":"Options to Claimant to avail death benefit","page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-options-to-claimant-to-avail-death-benefit-3"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"The maturity benefit is the Vesting Benefit. For Retire Secure, Total Fund Value including Top-Up Fund Value is payable on survival on the vesting date if the policy is in-force and all premiums have been paid; for Retire Secure Plus, the same Total Fund Value including Top-Up Fund Value is payable on vesting to the claimant.","display":"Vesting Benefit = Total Fund Value including Top-Up Fund Value on the vesting date","note":"On vesting, proceeds may be used to buy immediate or deferred annuity, or up to 60% may be commuted as lump sum with the balance used for annuity; subject to the stated option to use up to 50% with another insurer.","quote":"Retire Secure Option: Vesting Benefit, which is Total Fund Value (including Top Up Fund Value, if any) will be payable on Survival of Life Assured as on the date of vesting, provided Policy is In-Force and all due premiums have been paid. ... Retire Secure Plus Option: Vesting Benefit, which is Total Fund Value (including Top Up Fund Value, if any) will be payable as on the date of vesting to the Claimant.","sources":[{"clause":"8(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-8-b"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The document shows the Premium Payment Term as a policy-schedule placeholder, not a product-level term or range.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":"The policy schedule has a placeholder for Vesting Age, and the postponement clause refers to maximum vesting age depending on plan option, but the document does not state the maximum age.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from commencement of risk or from revival, the claimant receives the Fund Value available on the date of intimation of death. Charges other than Fund Management Charges recovered after death are added back to that Fund Value.","display":"Within 12 months: Fund Value on date of intimation of death, with non-FMC charges after death added back","note":null,"quote":"In case of death of the Life Assured, due to suicide within 12 (twelve) months from the Date of Commencement of Risk, or from the date of Revival of the Policy, as applicable, the Claimant shall be entitled to the Fund Value, as available on the date of intimation of death. Any Charges other than the Fund Management Charges (FMC) recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death.","sources":[{"clause":null,"heading":"6.11. Suicide Exclusion","page":36,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-6-11-suicide-exclusion"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policyholder may surrender at any time. During the Lock-in Period, Total Fund Value after applicable discontinuance charge is transferred to the Pension Discontinued Fund and paid only on expiry of the Lock-in Period; after the Lock-in Period, the total Fund Value is paid forthwith without discontinuance charge and the policy terminates and cannot be revived.","display":"Surrender any time; during lock-in, fund value less discontinuance charge is paid only after lock-in; after lock-in, total Fund Value is paid forthwith without discontinuance charge","note":"The same surrender treatment is shown for Retire Secure and Retire Secure Plus. Surrender proceeds have annuity/commutation options stated in the policy.","quote":"You have the right to Surrender this Policy at any time during the Policy Term by giving Us a notice: ... During the Lock-in Period On receipt of intimation that You wish to Surrender the Policy, the Total Fund Value after deduction of applicable Discontinuance Charge, shall be transferred to the Pension Discontinued Fund and will be payable only upon the expiry of the Lock in Period. ... After the Lock-in Period On receipt of intimation that You wish to Surrender the Policy, the total Fund Value will be paid by Us forthwith without deduction of the Discontinuance Charges. Once a Policy is Surrendered, it is automatically terminated and cannot be revived. ... On the instance of waiver of premium benefit being triggered, the policy cannot be surrendered before the completion of the Premium Paying Term.","sources":[{"clause":null,"heading":"4.3. Surrender","page":20,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-4-3-surrender"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If premiums are not paid during the first 5 policy years, after grace period the fund value less discontinuance charge goes to the Pension Discontinued Fund and risk cover and rider cover cease. If premiums are not paid after the Lock-in Period, the policy becomes Reduced Paid-Up with Reduced Paid-up Sum Assured of 105% of Total Premiums Paid; it continues without rider cover and death benefit is the higher of Rs.10,000, Fund Value including Top-Up Fund Value, or Reduced Paid-Up Sum Assured.","display":"After lock-in: Reduced Paid-Up with sum assured 105% of Total Premiums Paid; during first 5 years risk cover ceases","note":"The waiver of premium benefit under Retire Secure Plus is not applicable in Reduced Paid-Up Status.","quote":"Upon expiry of the Grace Period, in case of Discontinuance of Policy due to non-payment of Premium during first 5 (five) Policy Years, the total Fund Value after deducting the applicable Discontinuance Charges, shall be credited to the Pension Discontinued Fund and the risk cover and rider cover, if any, shall cease. ... Upon expiry of the Grace Period, in case of Discontinuance of a Policy due to non-payment of Premium after the Lock-in Period, the Policy shall be converted into a Reduced Paid-Up Policy where the Reduced Paid-up Sum Assured will be 105% of Total Premiums Paid. ... The Policy shall continue to be in Reduced Paid-up Status, without any rider cover, if any. ... In case of the death of the Life Assured while the Policy is in Reduced Paid-up Status; the Claimant shall receive the Death Benefit which shall be higher of: i) Rs.10,000/-; or ii) Fund Value (including Top-Up Fund Value, if any) as on the date of intimation of death; or iii) Reduced Paid-Up Sum Assured.","sources":[{"clause":"8(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-8-a-2"},{"clause":"8(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-8-a-3"},{"clause":"8(c)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-8-c-3"},{"clause":"8(d)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-8-d"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A discontinued policy can be revived within the Revival Period of 3 consecutive years from the date of first unpaid premium. Revival requires payment of all due and unpaid instalment premiums from default to proposed revival without interest or fee and is subject to the insurer’s Board Approved Underwriting Policy.","display":"3 consecutive years from the date of first unpaid premium","note":null,"quote":"Revival Period | A period of 3 (three) consecutive complete years from the date of first unpaid Premium. ... The Policyholder paying all due and unpaid Installment Premiums that would have been payable from the date of default to the proposed date of Revival without any interest or fee. • The Revival of the Policy shall be subject to the Board Approved Underwriting Policy of the Company (BAUP).","sources":[{"clause":null,"heading":"2. Part B","page":9,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-2-part-b"},{"clause":null,"heading":"4.4. Policy Revival","page":21,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-4-4-policy-revival"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loans are not allowed under this Policy.","display":"No policy loans","note":null,"quote":"Loans are not allowed under this Policy.","sources":[{"clause":null,"heading":"4.10. Loans","page":23,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-4-10-loans"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The document has rider placeholders and says riders opted, if any, are none, but does not name any riders available with the product.","quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after 3 years from issuance, commencement of risk, revival or rider date, whichever is later. Within 3 years it may be questioned for fraud or for material misstatement/suppression, with written communication of the grounds and materials; for non-fraud misstatement, premium collected till repudiation is paid within 90 days.","display":"After 3 years, not questionable on any ground; within 3 years, fraud or material misstatement rules apply","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from a. the date of issuance of policy; or b. the date of commencement of risk; or c. the date of revival of policy; or d. the date of rider to the policy, whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from a. the date of issuance of policy; or b. the date of commencement of risk; or c. the date of revival of policy; or d. the date of rider to the policy, whichever is later. ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made ... In case repudiation is on ground of mis-statement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"01","heading":null,"page":49,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-01-3"},{"clause":"02","heading":null,"page":49,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-02-3"},{"clause":"06","heading":null,"page":49,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-06-2"},{"clause":"07","heading":null,"page":49,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-07-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"The document states that tax benefits on the policy are as per prevailing tax laws in India and amendments, and that tax laws are subject to change.","display":"Tax benefits as per prevailing tax laws in India; tax laws are subject to change","note":null,"quote":"The tax benefits on the Policy shall be as per the prevailing tax laws in India and amendments thereto from time to time. In respect of any payment made or to be made under or in relation to this Policy, We will deduct or charge or recover taxes including service tax and other levies as applicable at such rates as notified by the government or such other body authorized by the government from time to time. Tax laws are subject to change.","sources":[{"clause":null,"heading":"6.7. Taxation","page":35,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-6-7-taxation"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Available if no claim has been made under the policy.","quote":"You may cancel the Policy by giving a written notice to Us within 30 (thirty) days beginning from the date of receipt of the Policy Document, whether received electronically or otherwise","sources":[{"clause":null,"heading":"4.1. Free Look Period","page":18,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-4-1-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly mode","note":"15 days applies for monthly mode.","quote":"You have a Grace Period of 30(thirty) days (15 (fifteen) days for monthly mode) from the due date of unpaid Premium to pay all your due Premiums without any late fee or penalty. Your Policy remains In-Force Status during the Grace Period.","sources":[{"clause":null,"heading":"3.3.2. Grace Period (for other than single premium policies)","page":16,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-3-3-2-grace-period-for-other-than-single-premium"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The policy wording provided does not state minimum or maximum entry age.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["single","yearly","half-yearly","quarterly","monthly"],"display":"Single, yearly, half-yearly, quarterly and monthly","note":"Single pay is applicable only for Retire Secure Plan option.","quote":"The available Premium payment modes under the Policy are single, yearly, half-yearly, quarterly and monthly. Single pay is applicable only for Retire Secure Plan option.","sources":[{"clause":null,"heading":"3.3.1. Payment of Premium","page":16,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-3-3-1-payment-of-premium"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Premium","regular intervals for the chosen Premium Payment Term"],"display":"Single Premium or instalment premiums at regular intervals for the chosen Premium Payment Term","note":"Single pay is applicable only for Retire Secure Plan option.","quote":"Installment Premium/ Premium | The amount stipulated in the Policy Schedule and paid either as a Single Premium or at regular intervals (yearly/half yearly/ or monthly mode applicable) by You for the chosen Premium Payment Term as consideration for acceptance of risk and Benefits specified as such in the Policy Document.","sources":[{"clause":null,"heading":"2. Part B","page":9,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-2-part-b"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 years","note":null,"quote":"Lock-in Period | The period of 5 (five) consecutive completed Policy Years from the Date of Commencement of the Policy, during which period the proceeds of the Policy cannot be paid by Us to the Policyholder or to the Life Assured, as the case may be, except in the case of death or upon the happening of any other contingency covered under the Policy.","sources":[{"clause":null,"heading":"2. Part B","page":9,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-2-part-b"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Pension Mid Cap Fund - Very High Risk","Pension Premier Multi-Cap Fund - Very High Risk","Pension Value Fund - Very High Risk","Pension Consumption Fund - Very High Risk","Pension Bond Fund - Low Risk"],"display":"Pension Mid Cap, Pension Premier Multi-Cap, Pension Value and Pension Consumption Funds are Very High Risk; Pension Bond Fund is Low Risk","note":"The Pension Discontinued Fund is used where instalment premiums are discontinued, not a normal chosen investment fund.","quote":"Pension Mid Cap Fund (ULIF03201/02/25PENIFTYMOM117) | To provide long term capital appreciation from an actively managed portfolio of diversified stocks from the midcap segment of the market. | Equities | 60 – 100 | Very High Risk ... Pension Premier Multi-Cap Fund (ULIF03501/04/25PEMULTICAP117) | To generate wealth by investing in companies across market capitalisation spectrum with a blend of large cap, mid-cap as well as small cap companies. | Equities | 60 – 100 | Very High Risk ... Pension Value Fund (ULIF03716/09/25PEVALUFUND117) | To generate long-term capital appreciation by investing in companies which are priced attractively vs the broader market. | Equities | 60 – 100 | Very High Risk ... Pension Consumption Fund (ULIF03816/10/25PECONSFUND117) | To generate wealth over the medium to long-term by investing predominantly in companies engaged in domestic consumption theme | Equities | 60 – 100 | Very High Risk ... Pension Bond Fund (ULIF03301/02/25PEBONDFUND117) | To provide accrual income and capital gains by | Equities | 0 | Low Risk","sources":[{"clause":"Row 1","heading":"Pension Mid Cap Fund (ULIF03201/02/25PENIFTYMOM117)","page":25,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-1-2"},{"clause":"Row 2","heading":"Pension Premier Multi-Cap Fund (ULIF03501/04/25PEMULTICAP117)","page":25,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-2-2"},{"clause":"Row 3","heading":"Pension Value Fund (ULIF03716/09/25PEVALUFUND117)","page":25,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-3-2"},{"clause":"Row 4","heading":"Pension Consumption Fund (ULIF03816/10/25PECONSFUND117)","page":25,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-4-2"},{"clause":"Row 5","heading":"Pension Bond Fund (ULIF03301/02/25PEBONDFUND117)","page":25,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-5"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"There are no Premium Allocation Charge in this product.","display":"No Premium Allocation Charge","note":null,"quote":"There are no Premium Allocation Charge in this product","sources":[{"clause":null,"heading":"5.5.1. Premium Allocation Charge","page":31,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-5-5-1-premium-allocation-charge"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"There are no Policy Administration Charge in this product.","display":"No Policy Administration Charge","note":null,"quote":"There are no Policy Administration Charge in this product","sources":[{"clause":null,"heading":"5.5.2. Policy Administration Charge","page":31,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-5-5-2-policy-administration-charge"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund Management Charge is 1.35% p.a. for Pension Mid Cap Fund, Pension Premier Multi-Cap Fund, Pension Value Fund and Pension Consumption Fund; 0.75% p.a. for Pension Bond Fund; and 0.50% p.a. for Pension Discontinued Fund.","display":"1.35% p.a. for equity funds; 0.75% p.a. for Pension Bond Fund; 0.50% p.a. for Pension Discontinued Fund","note":"The charge is levied as a percentage of the assets in the respective Segregated Fund and appropriated by adjusting NAV.","quote":"Pension Mid Cap Fund | ULIF03201/02/25PENIFTYMOM117 | 1.35% Pension Premier Multi-Cap Fund | ULIF03501/04/25PEMULTICAP117 | 1.35% Pension Value Fund | ULIF03716/09/25PEVALUFUND117 | 1.35% Pension Consumption Fund | ULIF03816/10/25PECONSFUND117 | 1.35% Pension Bond Fund | ULIF03301/02/25PEBONDFUND117 | 0.75% Pension Discontinued Fund | ULIF03401/02/25PEDISCONTI117 | 0.50%","sources":[{"clause":null,"heading":"5.5.3. Fund Management Charge","page":31,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-5-5-3-fund-management-charge"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality Charge is deducted at the beginning of each policy month by cancellation of units. It is calculated as (Sum at Risk / 1000) multiplied by the rate in the mortality charge table, based on attained age; Sum at Risk differs for Retire Secure and Retire Secure Plus.","display":"Monthly deduction: (Sum at Risk / 1000) × mortality rate by attained age","note":"The insurer may levy extra mortality charges as per BAUP, informed at policy inception.","quote":"Mortality Charge will be deducted at the beginning of each Policy month by cancellation of an appropriate Number of Units at the corresponding NAV. Mortality Charge will be calculated based on the attained Age of the Life Assured, Rate as per Mortality Charge Table(s) and the applicable Sum at Risk. ... Mortality Charge = (Sum at Risk / 1000) * Rate as per the applicable Mortality Charge Table The “Sum at Risk” is defined as: Plan Option- Retire Secure Death benefit in excess of the Fund Value as on the date of deduction Plan Option- Retire Secure Plus Death Benefit Plus Present Value of Outstanding Premiums discounted at 5%p.a.","sources":[{"clause":null,"heading":"5.5.6. Mortality Charge","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-5-5-6-mortality-charge"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"For other than single premium policies, discontinuance charges apply in policy years 1 to 4 and are nil from year 5 onwards, with caps based on annualized premium up to or above Rs.50,000. For single premium policies, charges apply in policy years 1 to 4 and are nil from year 5 onwards, with caps based on single premium up to or above Rs.3,00,000.","display":"Years 1–4: discontinuance charge as per AP/SP and fund value caps; 5 and onwards: Nil","note":"No Discontinuance Charge is imposed on Top-Up Premiums.","quote":"For other than Single Premium Policies: Where the Policy is discontinued during the Policy Year | Discontinuance Charges Maximum Discontinuance Charges for policies having Annualized Premium <= Rs.50,000/- | Maximum Discontinuance Charges for policies having Annualized Premium > Rs.50,000/- ... 1 | Lower of 20% * (AP or FV) subject to maximum of Rs.3,000/- | Lower of 6% * (AP or FV) subject to maximum of Rs.6,000/- ... 2 | Lower of 15% * (AP or FV) subject to maximum of Rs.2,000/- | Lower of 4% * (AP or FV) subject to maximum of Rs.5,000/- ... 3 | Lower of 10% * (AP or FV) subject to maximum of Rs.1,500/- | Lower of 3% * (AP or FV) subject to maximum of Rs.4,000/- ... 4 | Lower of 5% * (AP or FV) subject to maximum of Rs.1,000/- | Lower of 2% * (AP or FV) subject to maximum of Rs.2,000/- 5 and onwards | Nil | Nil ... For Single Premium Policies: ... Maximum Discontinuance Charges for the policies having Single Premium <=Rs. 3,00,000/- ... Rs.3,00,000/- ... 1 | Lower of 2% * (SP or FV) subject to maximum of Rs.3,000/- | Lower of 1% * (SP or FV) subject to maximum of Rs.6,000/- ... 2 | Lower of 1.5% * (SP or FV) subject to maximum of Rs.2,000/- | Lower of 0.7% * (SP or FV) subject to maximum of Rs.5,000/- ... 3 | Lower of 1% * (SP or FV) subject to maximum of Rs.1,500/- | Lower of 0.5% * (SP or FV) subject to maximum of Rs.4,000/- ... 4 | Lower of 0.5% * (SP or FV) subject to maximum of Rs.1,000/- | Lower of 0.35% * (SP or FV) subject to maximum of Rs.2,000/- 5 and onwards | Nil | Nil","sources":[{"clause":null,"heading":"5.5.4. Discontinuance or Surrender Charge","page":31,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-5-5-4-discontinuance-or-surrender-charge"},{"clause":"Row 1","heading":"Lower of 20% * (AP or FV) subject to maximum of Rs.3,000/-","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-1-3"},{"clause":"Row 2","heading":"Lower of 15% * (AP or FV) subject to maximum of Rs.2,000/-","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-2-3"},{"clause":"Row 3","heading":"Lower of 10% * (AP or FV) subject to maximum of Rs.1,500/-","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-3-3"},{"clause":"Row 4","heading":"Lower of 5% * (AP or FV) subject to maximum of Rs.1,000/-","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-4-3"},{"clause":null,"heading":"5.5.4. Discontinuance or Surrender Charge","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-5-5-4-discontinuance-or-surrender-charge-2"},{"clause":"Row 1","heading":"Lower of 2% * (SP or FV) subject to maximum of Rs.3,000/-","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-1-4"},{"clause":"Row 2","heading":"Lower of 1.5% * (SP or FV) subject to maximum of Rs.2,000/-","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-2-4"},{"clause":"Row 3","heading":"Lower of 1% * (SP or FV) subject to maximum of Rs.1,500/-","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-3-4"},{"clause":"Row 4","heading":"Lower of 0.5% * (SP or FV) subject to maximum of Rs.1,000/-","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-row-4-4"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Switches are allowed partially or fully between segregated fund options under the Self-Managed Strategy at any point during the policy term, with minimum switch value Rs 5,000 and all switches free. Partial withdrawals are available only after completion of the 5-policy-anniversary lock-in, free of charge, minimum Rs.5,000, maximum 25% of total Fund Value in a policy year, and allowed only three times during the policy term for the listed reasons.","display":"All switches free under Self-Managed Strategy; partial withdrawals after 5 policy anniversaries, min Rs.5,000, max 25% of fund value per policy year, free, up to 3 times","note":"Switches are only under the Self-Managed Strategy. Partial withdrawals are allowed only for the reasons listed in the policy, including children’s higher education or marriage, specified house purchase/construction, critical illness treatment, disability/incapacitation expenses, skill development, or own venture/start-up expenses.","quote":"You have the option to Switch partially or fully between the Segregated Fund options that are available in this product, at any point of time during the Policy Term. The minimum value of every Switch should be Rs 5,000/-. All Switches are free of cost. ... Partial Withdrawals are available only after the completion of Lock-in Period [5(five) Policy Anniversaries], subject to the following: • Each Partial Withdrawal shall be subject to the minimum amount of Rs.5,000/- and maximum Partial Withdrawal in a Policy Year shall not exceed 25% of the total Fund Value (including Top-Up Fund Value, if any) at the time of Partial Withdrawal. ... • The Partial Withdrawals are free of any charge. ... • Partial Withdrawal is allowed only three times during the entire term of the Policy.","sources":[{"clause":null,"heading":"4.5. Switches (only under Self-Managed Strategy)","page":22,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-4-5-switches-only-under-self-managed-strategy"},{"clause":null,"heading":"4.7. Partial Withdrawal","page":22,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304#c-4-7-partial-withdrawal"}],"law":[]}],"documents":[{"kind":"wording","label":"PNB MetLife Smart Invest Pension Plan Pro 117L138V03","pages":50,"fetched_at":"2026-10-17 20:00:30+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/SIPP-Pro-tnc-03.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/14304"},{"kind":"wording","label":"PNB MetLife Smart Invest Pension Plan Pro 117L138V05","pages":49,"fetched_at":"2026-10-20 00:49:16+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/SIPP-Pro-tnc-05.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05/document/30552"}],"versions":[{"uin":"117L138V03","version":null,"approved_on":null},{"uin":"117L138V05","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"PNB MetLife Insurance official website","url":"https://www.pnbmetlife.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claim process","url":"https://www.pnbmetlife.com/claims/process.html","note":null},{"purpose":"claim","kind":"insurer","name":"File a claim","url":"https://customerportal.pnbmetlife.com/claim/journey/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.pnbmetlife.com/grievance-cell/grievance-redressal.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"PNB MetLife Smart Invest Pension Plan Pro (UIN 117L138V05), IndiaInsurances, https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-invest-pension-plan-pro-117l138v05"}