{"uin":"117N122V06","name":"PNB MetLife Aajeevan Suraksha Plan","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06","insurer":{"slug":"pnb-metlife-insurance","name":"PNB MetLife India Insurance Company Limited","url":"https://indiainsurances.com/insurer/pnb-metlife-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":"Product","kind":"product","status":"active","approved_on":"2019-03-08","withdrawn_on":null,"summary":"PNB MetLife Aajeevan Suraksha Plan is an individual, non-linked, non-participating pure risk life insurance plan with Fixed Term Cover or Whole Life Cover up to age 99. It pays death or terminal illness benefits by the selected benefit option and offers return of premiums only with Fixed Term Cover.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:06:01.185968+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":["Fixed Term Cover","Whole Life Cover","Option 1 – Lump Sum","Option 2 – Life Partner","Option 3 – Fixed Income","Option 4 – Increasing Income"],"display":"Fixed Term Cover; Whole Life Cover; Option 1 – Lump Sum; Option 2 – Life Partner; Option 3 – Fixed Income; Option 4 – Increasing Income","note":"The documents call these cover options and benefit options, not separate plan names.","quote":"Cover Option (to be chosen at inception) | • Fixed Term Cover • Whole Life Cover\nBenefit options (to be chosen at inception) | Four options are available with this plan: Option 1 – Lump Sum Option 2 – Life Partner (available only with Fixed Term Cover) Option 3 – Fixed Income Option 4 – Increasing Income","sources":[{"clause":null,"heading":"Key Feature Document","page":11,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-key-feature-document"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Fixed Term Cover runs for at least 10 years for Single Pay or Regular Pay, or PPT plus 5 years for Limited Pay, up to 40 years without Return of Premiums or 30 years with Return of Premiums. Whole Life Cover runs for 99 minus age at entry.","display":"Fixed Term Cover: 10 years or PPT+5 minimum; up to 40 years without ROP or 30 years with ROP. Whole Life Cover: 99 – Age at entry.","note":null,"quote":"Policy Term – Fixed Term Cover (Years) | Single pay, Regular pay: 10 Limited pay: PPT+5 | For Without Return of Premiums: 40 For With Return of Premiums: 30\nPolicy Term – Whole Life Cover (Years) | 99 – Age at entry","sources":[{"clause":null,"heading":"Key product conditions","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-key-product-conditions"}],"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 policy gives claim settlement time from claim intimation, but does not state a deadline by which a claim must be intimated.","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 by bonafide Nominee","Copy of valid death certificate issued by local authority","Claimant’s Current address proof & Photo identity proof of bonafide Nominee","PAN Card or Form 60 of the bonafide Nominee","Cancelled cheque / Copy of bank passbook of the bonafide Nominee","Doctor’s Certificate prescribed in PNB MetLife Format","Copy of the First Information Report (FIR), Panchnama and Postmortem Report (PMR), Viscera report if applicable","Medical report confirming the occurrence of Terminal Illness which is acceptable to Us","Any other documentation or information We request"],"display":"Death claim form, death certificate, nominee identity/address/PAN/bank proofs, doctor’s certificate; extra FIR/PMR/police and medical papers where applicable; terminal illness medical report and other requested documents.","note":"Additional documents depend on cause of death and on terminal illness claim requirements.","quote":"Death Claims\n1. Duly filled and signed Claim form by bonafide Nominee;\n2. Copy of valid death certificate issued by local authority;\n3. Claimant’s Current address proof & Photo identity proof of bonafide Nominee;\n4. PAN Card or Form 60 of the bonafide Nominee;\n5. Cancelled cheque / Copy of bank passbook of the bonafide Nominee\n6. **Doctor’s Certificate prescribed in PNB MetLife Format ... If the death of the Life Assured is due to accident, suicide, and murder then the additional documents mentioned below shall be required:\n1. Copy of the First Information Report (FIR), Panchnama and Postmortem Report (PMR), Viscera report if applicable; ... Terminal Illness\n• The claim form prescribed by Us, duly completed\n• Copy of the photo-identity proof and Address proof of the claimant / nominee\n• Cancelled Cheque/copy of Bank passbook\n• Medical report confirming the occurrence of Terminal Illness which is acceptable to Us ... Any other documentation or information We request","sources":[{"clause":null,"heading":"6.3. Claims Procedure","page":35,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-6-3-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":"Claims settlement TAT is 15 days from the date of intimation for cases not warranting investigation, and 45 days from the date of intimation for cases warranting investigation.","display":"15 days from claim intimation; 45 days from claim intimation if investigation is required","note":null,"quote":"Turn Around Time (TAT) for claims settlement and brief procedure a) For cases not warranting investigation - 15 days from the date of intimation of claim. • b) For the cases warranting investigation - 45 days from the date of intimation of claim.","sources":[{"clause":"Row 5","heading":"Policy Coverage/benefits payable","page":3,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-row-5"}],"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":["If the Life Assured’s death is due to suicide within Twelve months from the Date of Commencement of Risk or from the Date of Revival of the Policy as applicable"],"display":"Suicide within Twelve months from commencement of risk or revival","note":"The CIS also lists suicide within the first 12 months as the exclusion applicable to Death Benefit.","quote":"If the Life Assured’s death is due to suicide within Twelve 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 receive 80% of the Total Premiums Paid till the date of death of the Life Assured or Surrender Value available as on the date of death of the Life Assured, whichever is higher, provided the Policy is in In-force status.","sources":[{"clause":null,"heading":"6.8. Suicide Exclusion","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-6-8-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 through its touch points by phone, email, writing to the Grievance Redressal Department, website or branch. If not satisfied, write to the Grievance Redressal Officer at gro@pnbmetlife.co.in before further escalation.","display":"Level 1: PNB MetLife touch points; Level 2: Grievance Redressal Officer at gro@pnbmetlife.co.in","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 Grievance Redressal Department\", PNB MetLife India Insurance Co. Ltd., Unit no. 302, 3rd floor, Tower-3, Worldmark, Village Maidawas, ... In case not satisfied with the resolution provided by the above touch points,\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 No 3, Worldmark,","sources":[{"clause":null,"heading":"Level 1","page":40,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-level-1"},{"clause":null,"heading":"Sector 65, District Gurugram, Haryana-122018","page":40,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-sector-65-district-gurugram-haryana-122018"}],"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":"Basic Sum Assured minimum is Rs. 25,00,000 and maximum is no limit, subject to underwriting. For Life Partner, the Second Life cover is less than or equal to 50% of the First Life Basic Sum Assured, subject to a minimum of Rs.25 lakhs and a maximum of Rs. 1 Crore.","display":"Basic Sum Assured: Rs. 25,00,000 minimum; no limit, subject to underwriting","note":"Life Partner option has separate Second Life limits.","quote":"Basic Sum Assured (Rs.) | 25,00,000 | No limit, subject to Underwriting ... the cover under the Policy for the Second Life shall be less than or equal to 50% of the Basic Sum Assured for the First Life (subject to a minimum of Rs.25 lakhs and a maximum of Rs. 1 Crore).","sources":[{"clause":null,"heading":"Key product conditions","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-key-product-conditions"},{"clause":null,"heading":"Option 1 – Lump Sum","page":21,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-option-1-lump-sum"}],"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":"Death or Terminal Illness Benefit is paid according to the benefit option chosen at inception: lump sum Sum Assured on Death, Life Partner spouse cover, fixed income over 120 months plus lump sum, or increasing income at 10% simple rate per annum over 120 months plus lump sum. Sum Assured on Death is generally the highest of 10 times annualized premium for Limited/Regular Pay or 125% of Single Premium, Basic Sum Assured, and 105% of premiums paid.","display":"Death or terminal illness benefit as chosen: lump sum, Life Partner, fixed income for 120 months, or increasing income at 10% simple p.a. for 120 months","note":"Option 2 Life Partner is available only with Fixed Term Cover and has separate First Life and Second Life benefit rules.","quote":"Death or Terminal Illness Benefit shall be payable in accordance with the Benefit option chosen by Policyholder at inception of the Policy which is stated in the Schedule to be in force. ... If this Option 1 is in force, then the Sum Assured on Death shall be payable as a lump sum amount ... If this Option 2 is in force, then both You (the First Life) and Your spouse (the Second Life) shall be Life Assured’s under the Policy ... Benefits payable shall be equal to lumpsum amount payable immediately plus fixed Monthly Income payable over 120 months in instalments. ... The Monthly Income amount increasing at 10% simple rate per annum will be payable by Us in every calendar month following the date of death or diagnosis of Terminal Illness, for a period of 120 months. ... • 10 times the Annualized Premium for Limited Pay/Regular Pay and 125% of Single Premium for Single Pay Option as specified in the Schedule\n• Basic Sum Assured, which is the absolute amount assured to be paid on death\n• 105% of Single Premium/Total premiums paid up to the date of death or diagnosis of Terminal Illness","sources":[{"clause":null,"heading":"3.1.1. Death or Terminal Illness Benefit","page":21,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-3-1-1-death-or-terminal-illness-benefit"},{"clause":null,"heading":"Option 1 – Lump Sum","page":21,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-option-1-lump-sum"},{"clause":null,"heading":"Option 3 – Fixed Income","page":22,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-option-3-fixed-income"},{"clause":null,"heading":"Option 4 – Increasing Income","page":23,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-option-4-increasing-income"},{"clause":null,"heading":"For Option 1 – Lump sum Sum Assured on Death is the highest of the following","page":24,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-for-option-1-lump-sum-sum-assured-on-death-is-th"}],"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":"Maturity Benefit is payable only when With Return of Premiums and Fixed Term Cover are in force. If available and the Life Assured is alive on the Maturity Date, it equals the Guaranteed Sum Assured on Maturity; it is zero if Return of Premiums is not in force.","display":"With Return of Premiums under Fixed Term Cover: Guaranteed Sum Assured on Maturity; without ROP: zero","note":null,"quote":"Maturity Benefit is payable only if ‘With Return of Premiums’ option is in force under the Policy as specified in the Schedule and provided that the Fixed Term Cover option is also in force. If the Maturity Benefit is available under the Policy, then if the Life Assured is alive on the Maturity Date, Maturity Benefit is equal to Guaranteed Sum Assured on Maturity. ... Maturity Benefit will be zero if Return of Premiums option is not in force under the Policy as specified in the Schedule.","sources":[{"clause":null,"heading":"3.1.2. Maturity Benefit","page":25,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-3-1-2-maturity-benefit"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premiums may be paid by Single Pay, Limited Pay for 5 to 15 years, or Regular Pay. Regular Pay is only available with Fixed Term Option.","display":"Single Pay; Limited Pay 5 to 15 years; Regular Pay only with Fixed Term Option","note":null,"quote":"Premium Payment Term (PPT) (Years) | Single pay: Single premium payment at inception of the Policy Limited pay: 5 to 15 Regular pay (Regular Pay is only available with Fixed Term Option)","sources":[{"clause":null,"heading":"Key product conditions","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-key-product-conditions"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum age at maturity is 80 years for Fixed Term Cover and 99 years for Whole Life Cover.","display":"Fixed Term Cover: 80 years; Whole Life Cover: 99 years","note":"Ages are on age last birthday.","quote":"Age at maturity& (Years) | 28 | For Fixed Term Cover: 80 For Whole Life Cover: 99","sources":[{"clause":null,"heading":"Key product conditions","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-key-product-conditions"}],"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 the Life Assured dies due to suicide within Twelve months from commencement of risk or revival, the nominee or beneficiary receives 80% of Total Premiums Paid till death or Surrender Value on the date of death, whichever is higher, if the policy is in-force; no interest is paid.","display":"Within Twelve months: 80% of Total Premiums Paid or Surrender Value, whichever is higher; no interest","note":null,"quote":"If the Life Assured’s death is due to suicide within Twelve 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 receive 80% of the Total Premiums Paid till the date of death of the Life Assured or Surrender Value available as on the date of death of the Life Assured, whichever is higher, provided the Policy is in In-force status. We shall not be liable to pay any interest on this amount.","sources":[{"clause":null,"heading":"6.8. Suicide Exclusion","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-6-8-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":"Without Return of Premiums, Unexpired Risk Premium Value is payable for Single Pay and Limited Pay if the policyholder closes the policy during the term. With Return of Premiums, Single Pay acquires surrender value immediately; Limited and Regular Pay acquire Special Surrender Value after the first policy year if first-year premiums are paid, and Guaranteed Surrender Value after at least two full policy years, with the higher of GSV and SSV payable.","display":"Without ROP: unexpired risk premium for Single/Limited Pay. With ROP: Single Pay immediate; Limited/Regular SSV after 1 full policy year and GSV after 2 full policy years.","note":null,"quote":"Without Return of Premiums:\nUnexpired Risk Premium Value would be payable for Single Pay and Limited Pay if the policyholder decides to close the policy at any time during the policy term. ... With Return of Premiums:\nSingle Pay: The policy shall acquire guaranteed surrender value and special surrender value, as applicable, immediately on date of commencement of risk.\nFor Limited and Regular Pay:\nIf all due premiums have been paid for first full policy year, the policy shall acquire Special Surrender Value after completion of first policy year.\nIf all due premiums have been paid for atleast two full policy years, the policy shall acquire Guaranteed Surrender Value.\nThe surrender value payable shall be higher of guaranteed surrender value and special surrender value as given below:","sources":[{"clause":null,"heading":"4.2. Surrender","page":27,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-4-2-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 the policy has acquired Surrender Value or Unexpired Risk Premium Value and no future instalment premiums are received, it continues as a paid-up policy with reduced benefits. Reduced paid-up death benefit is payable during the policy term, and maturity paid-up benefit is payable only if With Return of Premiums was chosen.","display":"Continues as reduced paid-up after acquiring Surrender Value/Unexpired Risk Premium Value; reduced death benefit and, with ROP, reduced maturity benefit","note":null,"quote":"If a Policy has acquired Surrender Value/ Unexpired Risk Premium Value and no future Instalment Premiums are received, the Policy will continue as a paid-up Policy with reduced benefits, however You shall have the option to Surrender the Policy. ... Reduced Paid-up Sum Assured on Death is payable on death or Terminal Illness of the Life Assured during the Policy Term, provided the Policy is in Reduced Paid-up Status. ... Reduced Paid-up Sum Assured on Maturity is zero if ‘With Return of Premiums’ option is not chosen by the Policyholder. Reduced Paid – up Sum Assured on Maturity is payable as Maturity Benefit.","sources":[{"clause":null,"heading":"4.3.2. Reduced Paid-up Value","page":30,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-4-3-2-reduced-paid-up-value"},{"clause":null,"heading":"Death or Terminal Illness Benefit","page":30,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-death-or-terminal-illness-benefit"},{"clause":null,"heading":"Maturity Benefit","page":31,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-maturity-benefit"}],"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 lapsed or paid-up policy may be revived during the Revival Period, which is five consecutive complete years from the date of first unpaid instalment premium. Revival requires written notice, payment of arrears with interest if any, underwriting approval, and a surrendered policy cannot be revived.","display":"5 years from first unpaid instalment premium","note":"The current revival interest stated is 8% compounded annually.","quote":"Revival Period | A period of five consecutive complete years from the date of first unpaid Installment Premium. ... A Policy that has Lapsed or that has been converted to a Paid-up Policy Status may be revived during the Revival Period by giving Us written notice to revive the Policy, provided that:\ni) All due arrears of Instalment Premiums along with interest at Prevailing Rate of Interest, if any, are received by Us in full. ... iv) The Revival of the Policy will be subject to Board approved underwriting policy. A surrendered Policy cannot be revived.","sources":[{"clause":null,"heading":"2.1. Definitions applicable to your policy","page":15,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-2-1-definitions-applicable-to-your-policy"},{"clause":null,"heading":"4.5. Policy Revival","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-4-5-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 available under this policy.","display":"Not available","note":null,"quote":"Loans are not available under this Policy.","sources":[{"clause":null,"heading":"4.4. Loan","page":32,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-4-4-loan"}],"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 Accidental Death Benefit Plus Rider (UIN: 117B020V04)","PNB MetLife Serious Illness Rider (UIN: 117B021V04)"],"display":"PNB MetLife Accidental Death Benefit Plus Rider; PNB MetLife Serious Illness Rider","note":"Riders are subject to their own terms and conditions and are not part of the base cover.","quote":"Riders | You may opt for any of the following Riders at inception of the Policy or at any Policy Anniversary during Premium Payment Term. Each Rider shall be subject to the terms and conditions of that Rider: a) PNB MetLife Accidental Death Benefit Plus Rider (UIN: 117B020V04) – This Rider provides additional protection over and above the Death Benefit under this Policy in the event of the death of the Life Assured in an Accident.\nb) PNB MetLife Serious Illness Rider (UIN: 117B021V04) - This Rider provides additional protection over and above the Death Benefit under this Policy in the event of the Life Assured being diagnosed with any of the 10 critical illnesses listed in the Rider.","sources":[{"clause":null,"heading":"Key Service Features","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-key-service-features"}],"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 the latest of issuance, commencement of risk, revival or rider date. Within 3 years it may be questioned for fraud or material misstatement, with written communication of the grounds and materials; for non-fraud misstatement, premiums collected are paid within 90 days of repudiation.","display":"After 3 years no questioning; within 3 years for fraud or material misstatement with written grounds","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 ... For this, the insurer should communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based. ... 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-aajeevan-suraksha-plan-117n122v06/document/14355#c-01-3"},{"clause":"02","heading":null,"page":49,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-02-3"},{"clause":"06","heading":null,"page":49,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-06-3"},{"clause":"07","heading":null,"page":50,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#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 may deduct, charge or recover applicable taxes 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 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":"6.5. Taxation","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-6-5-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 receipt of the Policy Document whether received electronically or otherwise","sources":[{"clause":null,"heading":"4.1. Free Look Period","page":27,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#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":"The 30-day value applies to non-monthly modes; monthly mode has fifteen days.","quote":"The grace period for payment of the premium for all types of life insurance policies shall be fifteen days, where the policy holder pays the premium on a monthly basis and 30 days in all other cases.","sources":[{"clause":null,"heading":"3.2.3. Grace Period","page":26,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-3-2-3-grace-period"}],"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":"quote-verified","value":"Minimum entry age is 18 years and maximum entry age is 65 years.","display":"18 to 65 years","note":"Ages are on age last birthday.","quote":"Age at Entry& (Years) | 18 | 65","sources":[{"clause":null,"heading":"Key product conditions","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-key-product-conditions"}],"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":["Yearly","Half Yearly","Monthly"],"display":"Yearly / Half Yearly / Monthly","note":"Monthly mode is available for standing instruction/direct debit options.","quote":"Premium Payment modes | Yearly / Half Yearly / Monthly* ... *Monthly mode is available for standing instruction/direct debit options (including Electronic Clearing System (ECS) and Automated Clearing House - ACH)","sources":[{"clause":null,"heading":"Key product conditions","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-key-product-conditions"}],"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","Limited Pay","Regular Pay"],"display":"Single Pay, Limited Pay or Regular Pay","note":null,"quote":"PNB MetLife Aajeevan Suraksha is an Individual, Non-linked, Non-participating, Pure Risk Premium, Life Insurance Plan with Regular Pay, Limited Pay or Single Pay Option","sources":[{"clause":null,"heading":"Benefits & Premium Payment Conditions","page":21,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355#c-benefits-premium-payment-conditions"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"PNB MetLife Aajeevan Suraksha Plan - 117N122V01","pages":37,"fetched_at":"2026-10-17 19:57:54+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/117N122V01%20-%20PNB%20MetLife%20Aajeevan%20Suraksha%20Plan_tcm47-70928.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14159"},{"kind":"wording","label":"Terms & Conditions","pages":50,"fetched_at":"2026-10-17 20:01:25+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/TermsCondition/MAS_tnc.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14355"},{"kind":"brochure","label":"Download Leaflet","pages":2,"fetched_at":"2026-10-17 19:55:47+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/Download_Brochure/MAS_leaflet.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14084"},{"kind":"brochure","label":"Brochure/Prospectus","pages":25,"fetched_at":"2026-10-17 19:55:44+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/Download_Brochure/MAS_Brochure.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06/document/14091"}],"versions":[{"uin":"117N122V01","version":null,"approved_on":null},{"uin":"117N122V06","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 Aajeevan Suraksha Plan (UIN 117N122V06), IndiaInsurances, https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-aajeevan-suraksha-plan-117n122v06"}