{"uin":"117L139V04","name":"PNB MetLife Smart Goal Ensuring Multiplier","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04","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":"2025-07-15","withdrawn_on":null,"summary":"PNB MetLife Smart Goal Ensuring Multiplier is an individual, unit-linked, non-participating savings life insurance plan with Wealth and Income Assured plan options. It has a 30-day free-look period, a 5-year lock-in period, nil premium allocation charge, and loans are not allowed.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:10:51.505394+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":["Wealth","Income Assured"],"display":"Wealth; Income Assured","note":null,"quote":"Sr. No. | Plan option name | Insured Benefits\nDeath Benefit | Waiver of | Maturity Benefit | Death benefit settlement\nname Death Benefit | Premium on\nDeath\n3.1.1. | Wealth | Life Assured is covered | Not available | Available | Lumpsum\n3.1.2. | Income Assured | Life Assured is covered | Life Assured is covered | Available | Lumpsum and Income","sources":[{"clause":null,"heading":"3.1. Plan Options & Policy Benefits","page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-3-1-plan-options-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 has placeholders for Policy Term and Maturity Date, but the supplied wording does not state the available policy-term range.","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 CIS states claim settlement timelines from the date of intimation, but no deadline by which the claimant must intimate a claim is stated.","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","Current address proof & Photo identity proof of the rightful Nominee/ legal heir","PAN Card or Form 60 of the Nominee","Cancelled cheque / Copy of bank passbook of the rightful Nominee/legal heir","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 - Only if Life Assured was a salaried individual"],"display":"Claim form, death certificate, identity/address proof, PAN/Form 60, bank proof, doctor’s certificate; additional documents by cause/place of death","note":"Additional documents are required basis cause of death and whether death occurred at home or hospital; the insurer reserves the right to call for more documents.","quote":"We request the following set of documents:\n1. Duly filled and signed Claim form;\n2. Copy of valid death certificate issued by local authority;\n3. Current address proof & Photo identity proof of the rightful Nominee/ legal heir;\n4. PAN Card or Form 60 of the Nominee;\n5. Cancelled cheque / Copy of bank passbook of the rightful Nominee/legal heir;\n6. **Doctor’s Certificate prescribed in PNB MetLife Format (From the family physician or treating doctor); ... i) Copy of the First Information Report (FIR), Panchnama and Postmortem Report (PMR), Viscera report if applicable;\nii) Copy of the Final Police Investigation report (FPIR)/ Charge sheet if applicable;\niii) Obituary/Newspaper cutting; ... iv) 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;\nv) Medical cause of death certificate;\nvi) **Employer Certificate - Only if Life Assured was a salaried individual ( prescribed in PNB MetLife Format);","sources":[{"clause":null,"heading":"6.5. Claims Procedure","page":40,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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, claims settlement TAT is 15 days from the date of intimation of claim. For cases warranting investigation, it is 45 days from the date of intimation of claim.","display":"15 days from intimation; 45 days if investigation is warranted","note":"This timeline 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-goal-ensuring-multiplier-117l139v04/document/14308#c-customer-information-sheet-know-your-policy"}],"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 caused due to Suicide within first 12 months"],"display":"Death caused due to Suicide within first 12 months","note":"The suicide clause pays Fund Value as on the date of intimation of death, with charges other than FMC recovered after death added back.","quote":"Exclusions applicable to Death Benefit: Death caused due to Suicide within first 12 months. ... In case of death of the Life Assured, due to suicide within 12 months from the Date of Commencement of Risk, or from the date of Revival of the Policy, as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to the Fund Value as on date of intimation of death.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":3,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-customer-information-sheet-know-your-policy"},{"clause":null,"heading":"6.10. Suicide Exclusion","page":42,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-6-10-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 PNB MetLife touch points such as call, email, customer service department, website or branch. If not satisfied or no response within 10 days, write to the Grievance Redressal Officer at gro@pnbmetlife.co.in or the Gurugram address.","display":"Level 1 customer service; Level 2 Grievance Redressal Officer if unresolved or no response within 10 days","note":null,"quote":"For any complaint/grievance, approach any of Our following touch points:\n• Call 1800-425-69-69 (Toll free)\n• Email at indiaservice@pnbmetlife.co.in\n• Write to Customer Service Department, 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062.\n• Online through Our website www.pnbmetlife.com\n• Our nearest PNB MetLife branch across the country.\nLevel 2:\nIn case not satisfied with the resolution provided by the above touch points, or have not received any response within 10 (ten) days, You may\n• Write to Our Grievance Redressal Officer at gro@pnbmetlife.co.in or\n• Send a letter to PNB MetLife India Insurance Co. Ltd, Unit No 302,3rd Floor, Tower 3, Worldmark,","sources":[{"clause":null,"heading":"Level 1","page":44,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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":"not-stated","value":null,"display":null,"note":"The policy schedule has a placeholder for Sum Assured and the wording defines Sum Assured, but the supplied documents do not state the product's minimum and maximum sum assured or the rule that sets it.","quote":null,"sources":[],"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":"Under Wealth, death benefit is the highest of Fund Value on date of intimation of death, Sum Assured less partial withdrawals/SWF in the two years before death, or 105% of total premiums received up to death; top-up benefit, if any, is the highest of Top-Up Fund Value, Top-Up Sum Assured or 105% of top-up premiums paid. Under Income Assured, death benefit is the higher of Sum Assured or 105% of total premiums received, plus monthly income of one twelfth of Annualized Premium for the remaining policy term, plus applicable top-up benefit; future premiums are waived if death occurs within the premium paying term.","display":"Wealth: highest of Fund Value, adjusted Sum Assured, or 105% of premiums; Income Assured: higher of Sum Assured or 105% of premiums plus monthly income and WOP","note":"Top-up benefits apply where Top-Up Premiums have been paid.","quote":"In the event of death of the Life Assured, We will pay the highest of the following amounts to the Nominee/Policyholder/ Legal Heir as may be applicable, provided that the Policy is in In-Force Status on the date of the Life Assured’s death: ... i) The Fund Value as on the date of intimation of death; ... ii) The Sum Assured after deducting any Partial Withdrawals (including withdrawals under Smart Withdrawal Facility (SWF)) made during the two-year period immediately preceding the date of death of the Life Assured; or ... iii) 105% of the total Premiums received up to the date of death. ... In the event of death of the Life Assured, We will pay the higher of the following amounts to the Nominee/Policyholder/ Legal Heir as may be applicable, provided that the Policy is in In-Force Status on the date of the Life Assured’s death:\ni) Sum Assured;\nii) 105% of the Total Premiums received up to the date of death ... Monthly Income Benefit equal to the One Twelfth of the Annualized Premium at each the future monthly Policy Anniversary following the date of death of the Life Assured for the remaining Policy Term. ... any future Instalment Premiums that would otherwise have been payable under the Policy shall be waived.","sources":[{"clause":"9(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-9-a"},{"clause":"9(a)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-9-a-i"},{"clause":"9(a)(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-9-a-ii"},{"clause":"9(a)(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-9-a-iii"},{"clause":"9(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-9-a-2"},{"clause":"9(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-9-b-2"},{"clause":"9(d)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-9-d"}],"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":"On survival to the end of the policy term with the policy in force and all due instalment premiums paid, maturity benefit is the Total Fund Value in the Unit Account determined using NAV on the maturity date. Under Income Assured, if the life assured dies during the policy term, maturity benefit equal to Total Fund Value including Top-Up Fund Value is paid to the nominee on the maturity date.","display":"Total Fund Value at maturity","note":"The first quoted maturity wording is for Wealth; the second and third are for Income Assured.","quote":"On survival of the Life Assured till the end of the Policy Term, provided the Policy is in In-force Status and all due Instalment Premiums are paid, We will pay the Maturity Benefit which is equal to the Total Fund Value in the Unit Account (including Top-Up Fund Value) determined using the Net Asset Value on the Maturity Date ... On survival of the Life Assured till the end of the Policy Term, provided the Policy is in In-force Status and all due Instalment Premiums are paid, We will pay the Maturity Benefit which is equal to the Total Fund Value in the Unit Account determined using the Net Asset Value on the Maturity Date ... In the event of Death of Life Assured during the Policy Term, We will pay the Maturity Benefit equal to the Total Fund Value in the Unit Account (including the Top-Up Fund Value) determined using the Net Asset Value on the maturity date to the Nominee","sources":[{"clause":"9(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-9-b"},{"clause":null,"heading":"3.1.2.2 Maturity Benefit","page":15,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-3-1-2-2-maturity-benefit"}],"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 policy schedule has a placeholder for Premium Payment Term and the wording mentions available options such as Single Pay, Regular Pay, 5 Pay, 7 Pay and 10 Pay, but does not state the full available premium-paying-term range for the product.","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 supplied wording does not state the maximum maturity 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 nominee or beneficiary is entitled to Fund Value as on date of intimation of death. Charges other than FMC recovered after the date of death are added back to that Fund Value.","display":"Fund Value on date of intimation if suicide within 12 months","note":null,"quote":"In case of death of the Life Assured, due to suicide within 12 months from the Date of Commencement of Risk, or from the date of Revival of the Policy, as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to the Fund Value as on 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":"6.10. Suicide Exclusion","page":42,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-6-10-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 policy can be surrendered any time during the policy term. During the lock-in period, Fund Value after applicable discontinuance charge is transferred to the Discontinued Policy Fund and paid only after the lock-in period; after the lock-in period, Fund Value is paid forthwith without discontinuance charge.","display":"Surrender any time; during lock-in paid after lock-in, after lock-in Fund Value paid forthwith without discontinuance charges","note":"Once surrendered, the policy terminates and cannot be revived.","quote":"You have the right to Surrender this Policy at any time during the Policy Term by giving Us notice: ... On receipt of intimation that You wish to Surrender the Policy, the Fund Value after deduction of applicable Discontinuance Charge, shall be transferred to the Discontinued Policy Fund and will be payable only upon the expiry of the Lock-in Period. No risk cover shall be provided on such Policy during the Discontinuance Period. ... On receipt of intimation that You wish to Surrender the Policy, the Fund Value will be paid by Us forthwith without deduction of the Discontinuance Charges.","sources":[{"clause":null,"heading":"4.3. Surrender","page":21,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-4-3-surrender"},{"clause":"Row 1(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-1-a"},{"clause":"Row 1(a)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-1-a-2"}],"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":"For policies other than single pay, if premiums stop after the lock-in period and the grace period expires, the policy attains Paid-up Status with Reduced Paid-up Sum Assured. Reduced Paid-up Sum Assured equals Sum Assured multiplied by instalment premiums paid divided by instalment premiums payable.","display":"After lock-in, converts to Paid-up Status with Reduced Paid-up Sum Assured","note":"Waiver of Premium on Death and the additional Monthly Income benefit under Income Assured are not available once the policy moves into discontinued or paid-up status.","quote":"Reduced Paid-up Sum Assured | Sum Assured multiplied by the total number of Instalment Premiums paid divided by the number of Instalment Premiums payable as per the terms and conditions of the Policy. ... In case of Discontinuance of Policy after the Lock-in Period due to non-payment of the Instalment Premium and expiry of Grace Period, the Policy shall attain Paid-up Status with the Reduced Paid-up Sum Assured.","sources":[{"clause":null,"heading":"Risk/Date of Commencement of","page":10,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-risk-date-of-commencement-of"},{"clause":null,"heading":"4.2. Premium Discontinuance","page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-4-2-premium-discontinuance-2"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"The revival period is 3 consecutive complete years from the date of first unpaid premium. Revival restores risk cover subject to payment of due instalment premiums and the insurer's underwriting requirements.","display":"3 consecutive complete years from first unpaid premium","note":null,"quote":"Revival Period | A period of 3 (three) consecutive complete years from the date of first unpaid Premium. ... If the Policyholder has chosen to revive the Policy within the Revival Period, the Policy shall be revived restoring the risk cover along with investment(s) made in the Segregated Funds chosen by the Policyholder less applicable charges.","sources":[{"clause":null,"heading":"Risk/Date of Commencement of","page":10,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-risk-date-of-commencement-of"},{"clause":null,"heading":"4.4. Policy Revival","page":22,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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":"Loans are not allowed","note":null,"quote":"Loans are not allowed under this Policy.","sources":[{"clause":null,"heading":"4.10. Loans","page":25,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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":"quote-verified","value":["PNB MetLife Linked Accidental Death Benefit Rider"],"display":"PNB MetLife Linked Accidental Death Benefit Rider","note":"Riders are available on payment of additional premium and subject to rider conditions and underwriting.","quote":"The product offers option to add the following rider: PNB MetLife Linked Accidental Death Benefit Rider Rider details are mentioned in the Rider CIS","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":3,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-customer-information-sheet-know-your-policy"}],"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 expiry of 3 years from issuance, commencement of risk, revival or rider, whichever is later. Within 3 years it may be questioned for fraud, and for material misstatement or suppression with written communication of grounds and materials; for non-fraud misstatement repudiation, premiums collected are paid within 90 days from repudiation.","display":"Cannot be questioned after 3 yrs; fraud or material misstatement can be questioned within 3 years","note":"The policy says this is a simplified version and not the exact text of Section 45.","quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of Policy; or\nb) the date of commencement of risk; or\nc) the date of revival of Policy; or\nd) 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 ... 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":54,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-01-3"},{"clause":"02","heading":null,"page":54,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-02-3"},{"clause":"06","heading":null,"page":54,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-06-3"},{"clause":"07","heading":null,"page":55,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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":"Tax benefits on the policy are as per prevailing tax laws in India and amendments from time to time. The insurer will deduct, charge or recover taxes including GST at notified rates, and tax laws are subject to change.","display":"Tax benefits as per prevailing tax laws; 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 GST (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":41,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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":null,"quote":"You may cancel the Policy by giving a written notice to Us within 30 days beginning from the date of the receipt of the Policy Document, whether received electronically or otherwise, stating the reasons for Your objection, provided no claims has been made under this Policy.","sources":[{"clause":null,"heading":"4.1. Free Look Period","page":18,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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":15},"display":"15 days monthly; 30 days in all other cases","note":"15 days applies where the policyholder pays monthly; 30 days applies in all other cases.","quote":"The Grace Period for payment of the Premium for all types of life insurance policies shall be 15 (fifteen) days, where the policyholder pays the premium on a monthly basis, and 30 (thirty) days in all other cases.","sources":[{"clause":null,"heading":"3.3.2. Grace Period for other than single premium policies","page":17,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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 supplied wording does not state minimum and maximum entry ages for buying the policy.","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","annual","half yearly","quarterly","monthly"],"display":"single, annual, half yearly, quarterly and monthly","note":"Monthly mode is available only if the mode of payment is standing instructions/direct debit options.","quote":"The available Premium Payment Modes under the Policy are single, annual, half yearly, quarterly and monthly.","sources":[{"clause":"9(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-9-c-2"}],"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 Pay","Regular Pay","Limited Pay"],"display":"Single Pay, Regular Pay and Limited Pay","note":null,"quote":"Limited Pay | Premium payment option chosen by the Policyholder where the premium is payable for a limited period of the Policy Term as mentioned in the Policy Schedule. ... For Regular Pay & Limited pay policies (other than 5 pay and Single Pay), the Policyholder after completion of first 5 Policy Years, may request for a change in the Premium Paying Term to any of the available Premium Paying Term options in the Policy. ... For Single Pay:","sources":[{"clause":null,"heading":"Risk/Date of Commencement of","page":10,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-risk-date-of-commencement-of"},{"clause":null,"heading":"4.9.2. Change in Premium Paying Term","page":24,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-4-9-2-change-in-premium-paying-term"},{"clause":null,"heading":"4.11. Foreclosure of the Policy","page":25,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-4-11-foreclosure-of-the-policy"}],"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 Policy 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 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.","sources":[{"clause":null,"heading":"Risk/Date of Commencement of","page":10,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-risk-date-of-commencement-of"}],"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":"conflicting","value":["Mid Cap Fund - Very High Risk","Premier Multi-cap Fund - Very High Risk","Virtue II - Very High Risk","CREST (Thematic Fund) - Very High Risk","Flexi Cap - Very High Risk","Multiplier III - High Risk","Sustainable Equity Fund - High Risk","India Opportunities Fund - High Risk","Balanced Opportunities Fund - Medium Risk","Balancer II - Medium Risk","Protector II - Low Risk","Bond Opportunities Fund - Low Risk","Liquid Fund - Low Risk","Small Cap Fund - Very High Risk","Bharat Manufacturing Fund - Very High Risk","Bharat Consumption Fund - Very High Risk","Nifty 500 Momentum 50 Index Fund - Very High Risk","Value Fund - Very High Risk","Dividend Leaders Index Fund - Very High Risk"],"display":"19 segregated funds from Low Risk to Very High Risk","note":"V02 lists 19 funds including Dividend Leaders Index Fund. V01 says: 'The following 18 Segregated Funds are available to You under the Policy' and does not list Dividend Leaders Index Fund.","quote":"The following 19 Segregated Funds are available to You under the Policy, which have different risk-return profiles and different asset allocation patterns. ... 1. | Mid Cap Fund (ULIF02501/01/18MIDCAPFUND117) | 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 ... 2. | Premier Multi-cap Fund (ULIF02101/01/18MULTICAPFN117) | To generate wealth by investing in companies across market capitalization spectrum with a blend of largecap and mid-cap companies | Equities | 60 – 100 | Very High Risk ... 3. | Virtue II (ULIF01215/12/09VIRTUE2FND117) | To generate long-term capital appreciation by investing in diversified equities of companies promoting healthy lifestyle and enhancing quality of life | Equities | 60 -100 | Very High Risk ... 4. | CREST (Thematic Fund) (ULIF02201/01/18CRESTTHEMF117) | To generate wealth by investing in companies which will benefit from the present evolving economic environment such as rising consumption (C), strengthening government reforms (RE), increasing | Equities | 60 – 100 | Very High Risk ... 5. | Flexi Cap (ULIF01315/12/09FLEXICAPFN117) | To generate long-term capital appreciation from an actively managed portfolio of diversified stocks across the market capitalization spectrum | Equities | 60 -100 | Very High Risk ... 6. | Multiplier III (ULIF01809/10/15MULTIPLIE3117) | To generate long-term capital appreciation by investing in diversified equities (predominantly large caps) | Equities | 60 -100 | High Risk ... 7. | Sustainable Equity Fund (ULIF02610/12/21SUSTAINFND117) | To focus on investing in select companies from the investment universe, which conduct business in socially and environmentally responsible manner while maintaining governance standards. | Equities | 60 – 100 | High Risk ... 8. | India Opportunities Fund ULIF02710/12/21INDOPPFUND117 | The fund will seek to generate wealth by investing in companies which will benefit from the evolving economic situation such as increasing digitization, strengthening economic reforms, strong focus on Atmanirbhar Bharat and Make-in-India. | Equities | 60 – 100 | High Risk ... 9. | Balanced Opportunities Fund (ULIF02301/01/18BALANCEOPP117) | To generate capital appreciation and current income through a judicious mix of investments in equities and fixed income securities. | Equities | 40 – 75 | Medium Risk ... 10. | Balancer II (ULIF01015/12/09BALANCER2F117) | To generate capital appreciation and current income, through a judicious mix of | Government and other debt securities | 0 – 60 | Medium Risk ... 11. | Protector II (ULIF00915/12/09PROTECTOR2117) | To earn regular income by investing in high quality fixed income securities | Government and other debt securities | 60 - 100 | Low Risk ... 12. | Bond Opportunities Fund (ULIF02401/01/18BONDOPPORT117) | To provide higher accrual along with safety arising from high allocation to corporate bonds. The fund will invest up to 100% of the corpus in debt and money market securities | Equities | 0 | Low Risk ... 13. | Liquid Fund (ULIF01909/10/15LIQUIDFUND117) | To generate stable returns by investing in a very short-term debt and money market instruments | Money market | 100 | Low Risk ... 14 | Small Cap Fund (ULIF02819/02/24SMALLCAPFN117) | To generate wealth over the medium to long-term by investing in equity securities of small cap companies. | Equities | 60 – 100 | Very High Risk ... 15 | Bharat Manufacturing Fund ULIF02901/08/24BHARATFUND117 | To generate wealth over the medium to long-term by investing predominantly in companies engaged in manufacturing theme. | Equities | 60 – 100 | Very High Risk ... 16 | Bharat Consumption Fund (ULIF03015/11/24CONSUMFUND117) | 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 ... 17 | Nifty 500 Momentum 50 Index Fund (ULIF03115/02/25NIFTYMOMEN117) | To generate wealth over the medium to long-term by investing in NSE’s Nifty 500 Momentum 50 Index | Equities | 60 – 100 | Very High Risk ... 18 | Value Fund (ULIF03615/07/25VALUEFUNDS117) | To generate long-term capital appreciation by investing in companies which are priced attractively vs. the broader market | Equities | 60 – 100 | Very High Risk ... 19 | Dividend Leaders Index Fund (ULIF03916/01/26DIVIDENDFN117) | To generate long-term capital appreciation by replicating the BSE 500 Dividend Leaders 50 Index (Customised). | Equities | 60 – 100 | Very High Risk","sources":[{"clause":null,"heading":"5.1. Description of the Segregated Funds","page":27,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-5-1-description-of-the-segregated-funds"},{"clause":"Row 1","heading":"Mid Cap Fund (ULIF02501/01/18MIDCAPFUND117)","page":27,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-1-3"},{"clause":"Row 2","heading":"Premier Multi-cap Fund (ULIF02101/01/18MULTICAPFN117)","page":27,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-2"},{"clause":"Row 3","heading":"Virtue II (ULIF01215/12/09VIRTUE2FND117)","page":27,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-3"},{"clause":"Row 4","heading":"CREST (Thematic Fund) (ULIF02201/01/18CRESTTHEMF117)","page":27,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-4"},{"clause":null,"heading":"5.1. Description of the Segregated Funds","page":28,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-5-1-description-of-the-segregated-funds-2"},{"clause":null,"heading":"Table of Contents","page":30,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-table-of-contents"},{"clause":null,"heading":"5.1. Description of the Segregated Funds","page":27,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14301#c-5-1-description-of-the-segregated-funds"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"Nil.","display":"Nil","note":null,"quote":"5.5.1. Premium Allocation Charge\nNil","sources":[{"clause":null,"heading":"5.5.1. Premium Allocation Charge","page":35,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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":"Policy administration charge is deducted from Fund Value at the beginning of each policy month. It is 1.56% per annum for Single Pay and 2.76% per annum for Regular Premium, 5 Pay, 7 Pay and 10 Pay in policy years 1 to 10, nil from year 11 onwards, capped at Rs 500 per month.","display":"1.56% p.a. Single Pay; 2.76% p.a. Regular/5/7/10 Pay for years 1–10; nil from year 11; cap Rs 500/month","note":null,"quote":"The following Policy Administration Charge would be deducted from the Fund Value at the beginning of each Policy month by cancellation of an appropriate number of Units using the relevant NAV of these Units, irrespective of the receipt of due Instalment Premium at the premium due date.\nPolicy Year | Policy Administration Charge per annum\nSingle Pay | Regular Premium, 5 Pay, 7\nPay, 10 Pay\n1 – 10 | 1.56% | 2.76%\n11 onwards | Nil | Nil\nUnder no circumstances this Charges would exceed Rs 500 per month.","sources":[{"clause":null,"heading":"5.5.2. Policy Administration Charge","page":35,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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 levied daily through NAV as a percentage of assets underlying the unit fund. Charges range from 0.50% p.a. for Discontinued Fund to 1.35% p.a. for Sustainable Equity Fund, India Opportunities Fund and Dividend Leaders Index Fund, with other funds at 1.00%, 1.15% or 1.25% p.a.","display":"0.50% to 1.35% p.a., appropriated through NAV","note":"V02 includes Dividend Leaders Index Fund at 1.35% p.a.; V01 does not list that fund.","quote":"The fund management charge is levied as a percentage of the Value of Assets underlying the Unit Fund and shall be appropriated by adjusting the NAV. This is a charge levied at the time of computation of the Net Asset Value, which is done on a daily basis. ... Protector II | ULIF00915/12/09PROTECTOR2117 | 1.00% ... Balancer II | ULIF01015/12/09BALANCER2F117 | 1.15% ... Sustainable Equity Fund | ULIF02610/12/21SUSTAINFND117 | 1.35% ... Multiplier III | ULIF01809/10/15MULTIPLIE3117 | 1.25% ... Dividend Leaders Index Fund | ULIF03916/01/26DIVIDENDFN117 | 1.35%\nDiscontinued Fund | ULIF01721/12/10DISCONTINU117 | 0.50%","sources":[{"clause":null,"heading":"5.5.3. Fund Management Charge","page":35,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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 based on plan option, attained age, the applicable mortality charge table rate and Sum at Risk, calculated as (Sum at Risk / 1000) multiplied by the applicable rate.","display":"Monthly deduction: (Sum at Risk / 1000) × mortality rate","note":"The Sum at Risk formula differs by Wealth and Income Assured plan options.","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 based on the plan option, attained age of the Policyholder / Life Insured, Rate as per Mortality Charge Table(s) and the applicable Sum at Risk.\nThe calculation method will be as follows:\nMortality Charge = (Sum at Risk / 1000) * Rate as per the applicable Mortality Charge Table","sources":[{"clause":null,"heading":"5.5.6. Mortality Charge","page":38,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#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":"Discontinuance/surrender charges apply if discontinued in policy years 1 to 4 and are nil from policy year 5 onwards. For single premium, the charge is lower of 2%, 1.5%, 1% or 0.5% of SP or FV in years 1 to 4 for SP up to Rs.3,00,000, with caps Rs.3,000, Rs.2,000, Rs.1,500 and Rs.1,000; for SP over Rs.3,00,000 the corresponding rates are 1%, 0.7%, 0.5% and 0.35% with caps Rs.6,000, Rs.5,000, Rs.4,000 and Rs.2,000. For non-single-premium policies, rates are lower of 20%, 15%, 10% or 5% of AP or FV for AP up to 50,000, and 6%, 4%, 3% or 2% for AP over 50,000, with the same caps.","display":"Nil from policy year 5+; year 1–4 charges depend on Single Premium/AP band","note":"No discontinuance charges are imposed on Top-Up premiums.","quote":"For Single Premium:\nWhere the Policy is discontinued during the Policy Year | Discontinuance Charges\nSingle Premium <= 3,00,000 | Single Premium > 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\n5+ | Nil | Nil ... For other than Single Premium Policies:\nWhere the | Discontinuance Charges\nPolicy is | Annualized Premium <= 50,000 | Annualized Premium > 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\n5+ | Nil | Nil","sources":[{"clause":null,"heading":"5.5.4. Discontinuance or Surrender Charge","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-5-5-4-discontinuance-or-surrender-charge"},{"clause":"Row 1","heading":"Lower of 2% * (SP or FV) subject to maximum of Rs.3,000","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-1-4"},{"clause":"Row 2","heading":"Lower of 1.5% * (SP or FV) subject to maximum of Rs.2,000","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-2-2"},{"clause":"Row 3","heading":"Lower of 1% * (SP or FV) subject to maximum of Rs.1,500","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-3-2"},{"clause":"Row 4","heading":"Lower of 0.5% * (SP or FV) subject to maximum of Rs.1,000","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-4-2"},{"clause":null,"heading":"5.5.4. Discontinuance or Surrender Charge","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-5-5-4-discontinuance-or-surrender-charge-2"},{"clause":"Row 1","heading":"Lower of 20% * (AP or FV) subject to maximum of Rs.3,000","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-1-5"},{"clause":"Row 2","heading":"Lower of 15% * (AP or FV) subject to maximum of Rs.2,000","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-2-3"},{"clause":"Row 3","heading":"Lower of 10% * (AP or FV) subject to maximum of Rs.1,500","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-3-3"},{"clause":"Row 4","heading":"Lower of 5% * (AP or FV) subject to maximum of Rs.1,000","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-4-3"}],"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":"Under Self-Managed Strategy, switches between available funds are allowed at any point during the policy term; minimum switch value is Rs 5,000 and all switches are free. Partial withdrawals are available only after completion of the 5-policy-anniversary lock-in period or age 18 of the life assured, whichever is later, with minimum Rs.5,000 and maximum 25% of total Fund Value in a policy year, and are free of charge; SWF is available under Wealth Option with premium paying term of 10 years or more.","display":"Unlimited free switches; partial withdrawals after 5 Policy Anniversaries or age 18, min Rs.5,000 and max 25% of Fund Value per policy year","note":"Switches are only under Self-Managed Strategy; switches and partial withdrawals are not available after Waiver of Premium on Death is triggered.","quote":"You have the option to switch partially or fully between the funds 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 Policy Anniversaries), or on attainment of Age 18 by the Life Assured, whichever is later, subject to the following:\n(i) 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 at the time of withdrawal. ... v) The Partial Withdrawals are free of any charge. ... If You have availed cover under “Wealth Option” with premium paying term of 10 years or more (as mentioned Policy Schedule), You may choose to opt for Smart Withdrawal Facility (SWF) either at the proposal stage or place a request after Policy issuance.","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-goal-ensuring-multiplier-117l139v04/document/14308#c-4-5-switches-only-under-self-managed-strategy"},{"clause":null,"heading":"4.7. Partial Withdrawal","page":23,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-4-7-partial-withdrawal"},{"clause":"Row 1(b)(v)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-row-1-b-v"},{"clause":null,"heading":"Smart Withdrawal Facility (SWF) under Partial Withdrawals","page":23,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308#c-smart-withdrawal-facility-swf-under-partial-with"}],"law":[]}],"documents":[{"kind":"wording","label":"PNB MetLife Smart Goal Ensuring Multiplier 117L139V01","pages":55,"fetched_at":"2026-10-17 20:00:29+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/smart-gem-tnc-01.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14301"},{"kind":"wording","label":"PNB MetLife Smart Goal Ensuring Multiplier 117L139V02","pages":55,"fetched_at":"2026-10-17 20:00:36+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/smart-gem-tnc-02.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/14308"},{"kind":"wording","label":"PNB MetLife Smart Goal Ensuring Multiplier 117L139V04","pages":55,"fetched_at":"2026-10-20 00:49:15+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/smart-gem-tnc-04.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/30551"},{"kind":"wording","label":"Terms & Conditions","pages":55,"fetched_at":"2026-10-20 00:49:23+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/TermsCondition/smart-gem_tnc.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/30559"},{"kind":"brochure","label":"Income Assured Leaflet","pages":4,"fetched_at":"2026-10-20 00:48:31+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/Download_Brochure/Smart_income_assured_leaflet.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/30524"},{"kind":"brochure","label":"Wealth Leaflet","pages":4,"fetched_at":"2026-10-20 00:48:33+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/Download_Brochure/Smart_wealth_leaflet.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/30525"},{"kind":"brochure","label":"Download Prospectus","pages":23,"fetched_at":"2026-10-20 00:48:30+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/Download_Brochure/Smart_GEM_Brochure.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04/document/30527"}],"versions":[{"uin":"117L139V01","version":null,"approved_on":null},{"uin":"117L139V02","version":null,"approved_on":null},{"uin":"117L139V03","version":null,"approved_on":null},{"uin":"117L139V05","version":null,"approved_on":null},{"uin":"117L139V04","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 Goal Ensuring Multiplier (UIN 117L139V04), IndiaInsurances, https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-goal-ensuring-multiplier-117l139v04"}