{"uin":"117N134V08","name":"PNB MetLife Grand Assured Income Plan","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08","insurer":{"slug":"pnb-metlife-insurance","name":"PNB MetLife India Insurance Company Limited","url":"https://indiainsurances.com/insurer/pnb-metlife-insurance"},"line":"life","category":"pension-annuity","category_name":"Pension and annuity","irdai_type":"Product","kind":"product","status":"active","approved_on":"2022-06-20","withdrawn_on":null,"summary":"PNB MetLife Grand Assured Income Plan is an individual, non-linked, non-participating deferred annuity plan with five annuity options. It pays a fixed annuity after the deferment period, has guaranteed additions of 0.5% of total premiums paid each policy month during deferment if in force, and gives a 30-day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:53:58.264952+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":["Life Annuity","Life Annuity with Return of Purchase Price","Life Annuity with Return of Purchase Price on Death or Survival","Joint Life Annuity with Return of Purchase Price","Joint Life Annuity with Return of Purchase Price and 50% Annuity to surviving annuitant"],"display":"Life Annuity; Life Annuity with Return of Purchase Price; Life Annuity with Return of Purchase Price on Death or Survival; Joint Life Annuity with Return of Purchase Price; Joint Life Annuity with Return of Purchase Price and 50% Annuity to surviving annuitant","note":"These are annuity options under the product; benefits differ by option.","quote":"Option available (in case of Annuity product) | • Life Annuity • Life Annuity with Return of Purchase Price • Life Annuity with Return of Purchase Price on Death or Survival • Joint Life Annuity with Return of Purchase Price • Joint Life Annuity with Return of Purchase Price and 50% Annuity to surviving annuitant","sources":[{"clause":"Row 5","heading":"Policy Coverage/Benefits Payable","page":3,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-row-5"}],"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":"The policy starts on the Date of Commencement of the Policy and continues until the death of the Annuitant(s). For joint-life options, termination is on death of both Annuitant(s).","display":"From Date of Commencement of the Policy until death of the Annuitant(s); joint-life options terminate on death of both Annuitant(s).","note":null,"quote":"“Policy Term” means the period specified in the Policy Schedule which commences on Date of Commencement of the Policy and concludes on the death of the Annuitant(s). ... • Joint Life Annuity with Return of Purchase Price • Joint Life Annuity with Return of Purchase Price and 50% Annuity to Surviving Annuitant | On death of both Annuitant(s)","sources":[{"clause":"28","heading":"“Policy Term”","page":10,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-28"},{"clause":"6.5","heading":"Termination of the Policy","page":24,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-6-5"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The document gives claim contact details and settlement turnaround from intimation, but does not state a deadline by which the claimant must intimate a claim.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled and signed Claim form","Copy of valid death certificate issued by local authority","Claimant's Current address proof & Photo identity proof","PAN Card/ Form 60 of the Nominee","Cancelled cheque / Copy of bank passbook","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, claimant KYC, nominee PAN/Form 60, bank proof, doctor’s certificate, and cause-specific accident/suicide/murder or medical documents.","note":"PNB MetLife reserves the right to call for additional documents/evidence if required.","quote":"1. Duly filled and signed Claim form\n2. Copy of valid death certificate issued by local authority\n3. Claimant's Current address proof & Photo identity proof\n4. PAN Card/ Form 60 of the Nominee\n5. Cancelled cheque / Copy of bank passbook\n6. **Doctor’s Certificate prescribed in PNB MetLife Format (From the family physician or treating doctor)\nAdditional documents* required basis cause of death for faster processing of your Claim\nIf the death is due to accident, suicide, and murder then below additional documents required:\n• Copy of the First Information Report (FIR), Panchnama and Postmortem Report (PMR), Viscera report if applicable\n• Copy of the Final Police Investigation report (FPIR)/ Charge sheet if applicable\n• Obituary/Newspaper cutting\nIf the death at home & hospital, then below additional documents required:\n• 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\n• Medical cause of death certificate\n• **Employer Certificate - Only if Life assured was a salaried individual (prescribed in PNB MetLife Format)","sources":[{"clause":"6.3","heading":"Claims Procedure","page":23,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-6-3"}],"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 claims not warranting investigation, the turnaround time 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 if no investigation; 45 days from intimation if investigation is required.","note":"This 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":"4.5","heading":"Revival","page":4,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-4-5"}],"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":["Death caused due to Suicide within first 12 months"],"display":"Death caused due to Suicide within first 12 months.","note":null,"quote":"Exclusions applicable to Death Benefit: Death caused due to Suicide within first 12 months","sources":[{"clause":"Row 5","heading":"Policy Coverage/Benefits Payable","page":3,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-row-5"}],"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: call 1800-425-69-69, email indiaservice@pnbmetlife.co.in, write to Customer Service Department, use the website, or visit a branch. If not satisfied or no response is received within 10 days, write to the Grievance Redressal Officer at gro@pnbmetlife.co.in or the Gurugram address.","display":"Level 1: PNB MetLife touch points. Level 2: Grievance Redressal Officer at gro@pnbmetlife.co.in if not satisfied 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 days, You may –\n• Write to Our Grievance Redressal Officer at gro@pnbmetlife.co.in or\n• Send a letter to –\nPNB MetLife India Insurance Co. Ltd, Unit No.302, 3rd floor, Tower No 3, Worldmark,","sources":[{"clause":null,"heading":"Level 1","page":27,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#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-applicable","value":null,"display":null,"note":"This is a deferred annuity product; the policy wording states annuity, death benefit and survival benefit formulas, but not a sum assured or life cover limit.","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":"Death benefit depends on the annuity option. Before completion of the Deferment Period, the benefit is generally the higher of Total Premiums Paid plus accrued Guaranteed Additions, or 105% of Total Premiums Paid; after deferment, Option 1 pays nothing, Return of Purchase Price options pay the stated return-of-premium formulas, and joint-life options pay on death of both annuitants.","display":"Varies by annuity option; before deferment generally higher of Total Premiums Paid plus accrued Guaranteed Additions or 105% of Total Premiums Paid.","note":"Option 3 has different post-survival-benefit formulas using 50% of Total Premiums Paid. Joint-life options pay no amount on the death of one annuitant and continue risk cover on the survivor.","quote":"The Annuity Benefit, Death Benefit and Survival Benefit shall depend upon the Annuity Plan Option chosen at inception of the Policy as specified as in force for You in the Policy Schedule ... Upon death of the Annuitant before completion of the Deferment Period, higher of the following amounts shall be payable: • Total Premiums Paid till the date of death plus accrued Guaranteed Additions (if any) till the date of death. • 105% of Total Premiums Paid till the date of death. ... Upon death of the Annuitant after completion of the Deferment Period, no amounts shall be payable under the Policy. ... Upon death of the Annuitant after completion of the Deferment Period, higher of the following amounts shall be payable • Total Premiums Paid till the date of death plus Accrued Guaranteed Additions (if any) less Annuity payouts already paid till the date of death. • Total Premiums Paid till the date of death. ... Upon death of any one of the Annuitants (during the policy term), no amounts shall be payable under the Policy. The risk cover shall continue on the life of the surviving Annuitant.","sources":[{"clause":null,"heading":"3.1.Benefits","page":12,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-3-1-benefits"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"not-applicable","value":null,"display":null,"note":"This deferred annuity policy has a policy term ending on death of the Annuitant(s), so there is no fixed end-of-term maturity benefit question to answer.","quote":null,"sources":[],"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 defines it, but the document does not state product-level available premium paying terms.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-applicable","value":null,"display":null,"note":"The policy term concludes on death of the Annuitant(s), so no fixed maximum maturity age applies.","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":"For suicide within twelve months from the Date of Commencement of the Policy or Date of Revival, the nominee or beneficiary receives at least 80% of Total Premium Paid and received by the insurer till death or the Surrender Value available on the date of death, whichever is higher, if the policy is in force. No interest is payable; the wording gives separate single-annuitant and joint-life wording.","display":"Within twelve months: at least 80% of Total Premium Paid or Surrender Value, whichever is higher, if in force; no interest.","note":null,"quote":"If the Annuitant’s death is due to suicide within twelve months from the Date of Commencement of the Policy or from the Date of Revival of the Policy as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to receive at least 80% of the Total Premium Paid and received by Us till the date of death of the Annuitant or Surrender Value available as on the date of death of the Annuitant, whichever is higher, provided the Policy is in In force Status. We shall not be liable to pay any interest on this amount. ... If any one of both Annuitant’s death is due to suicide within twelve months from the Date of Commencement of the Policy or from the Date of Revival of the Policy as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to receive at least 80% of the Total Premium Paid and received by Us till the date of death or Surrender Value available as on the date of death, 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":"6.7","heading":"Suicide Exclusion","page":25,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-6-7"}],"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 may be surrendered at any time during the policy term after it has acquired surrender value. Single Pay acquires surrender value immediately; for Limited Premium Payment Term, Special Surrender Value is acquired after the first policy year if all first-year premiums are paid, and Guaranteed Surrender Value is acquired if all due premiums for at least two full policy years are paid.","display":"Surrender allowed once surrender value is acquired; Single Pay immediately, limited pay SSV after first policy year and GSV after at least two full policy years of premiums.","note":"During deferment, surrender value is higher of GSV and SSV. After deferment, GSV is not payable and SSV is payable only for Return of Purchase Price annuity options.","quote":"You may Surrender the Policy at any time during the Policy Term provided the policy has acquired a surrender value\nSingle Pay: The policy shall acquire a surrender value immediately on date of commencement of risk. Limited Premium Payment Term: If all due premiums have been paid for first full policy year, the policy shall acquire Special Surrender Value after completion of first policy year. If all due premiums have been paid for atleast two full policy years, the policy shall acquire Guaranteed Surrender Value.","sources":[{"clause":"4.2","heading":"Surrender Benefit","page":17,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-4-2"}],"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 limited pay, if premiums for the first full Policy Year have been paid and later premiums remain unpaid, the policy automatically converts into a Paid-up Policy. Reduced paid-up annuity benefit equals Original Annuity Amount multiplied by T divided by N, with survival and death benefits as per Part C.","display":"After first full Policy Year premiums are paid, unpaid later premiums make the policy Paid-up with reduced annuity: Original Annuity Amount × T/N.","note":"Applicable for Limited Pay only.","quote":"If the due Premiums have been paid for the first full Policy Year and the subsequent Premium(s) remain unpaid, the Policy will be automatically converted into a Paid-up Policy. ... • Reduced Paid-up Annuity Benefit - Original Annuity Amount Multiplied by (T Divided by N). Where “T” refers the Number of installment Premiums received, and “N” refers the Number of installment Premiums payable\n• Survival Benefit – In accordance with Part C.\n• Death Benefit – In accordance with Part C.","sources":[{"clause":"4.4","heading":"Reduced Paid up (For Limited Pay only)","page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-4-4-2"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed or paid-up policy can be revived during the Revival Period, which is five consecutive complete years from the date of first unpaid installment premium, by written notice and payment of all arrears with interest, subject to underwriting. A surrendered policy cannot be revived.","display":"5 years from the date of first unpaid installment Premium.","note":"Current revival interest stated in the wording is 7.50% p.a compounded annually.","quote":"“Revival Period” means 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 may be revived during the Revival Period by giving Us written notice to revive the Policy, provided that: ... All due arrears of instalment Premiums along with interest at the prevailing rate of interest, if any, are received by Us in full. ... The Revival of the Policy will be subject to Board approved underwriting policy. A surrendered Policy cannot be revived.","sources":[{"clause":"35","heading":"“Revival Period”","page":11,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-35"},{"clause":"4.5","heading":"Revival","page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-4-5-2"},{"clause":"4.5(i)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-4-5-i"},{"clause":"4.5(iv)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-4-5-iv"}],"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":"Policy loan may be permitted after surrender value has been acquired and the policy is in force, before completion of the Deferment Period. The proposed loan cannot exceed 80% of the surrender value at the end of the policy year, after deductions stated in the policy.","display":"Available before completion of Deferment Period after surrender value is acquired; up to 80% of Surrender Value subject to deductions.","note":"The policy must be assigned to the insurer to the extent of the outstanding loan amount.","quote":"After a Surrender Value has been acquired under the Policy and if the Policy is in In-force Status, then before completion of the Deferment Period, We may permit You to take a loan under the Policy provided that: ... The proposed loan amount does not exceed 80% of the Surrender Value at the end of the Policy Year (in which loan is requested) less any unpaid Installment Premiums for that Policy Year, any outstanding loans previously granted on this Policy and loan interest (if any) accrued to the end of that Policy Year;","sources":[{"clause":"4.6(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-4-6-i"},{"clause":"4.6(a)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-4-6-a"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The Customer Information Sheet says riders opted, if any, are not applicable for the sample policy, but the wording does not state product-level riders available.","quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":"The taxation clause says benefits and taxes are governed by the Income Tax Act and applicable levies, but it does not state tax benefits.","quote":null,"sources":[],"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":"Refund is subject to deduction of proportionate risk premium for the period of cover and medical examination and stamp duty expenses, if any.","quote":"you may cancel the Policy by giving a written notice to us within 30 days beginning from the date of receipt of Policy Document whether received electronically or otherwise","sources":[{"clause":"4.1","heading":"Freelook Period","page":17,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-4-1"}],"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 for monthly mode and 30 days in all other cases","note":"15 days applies for monthly premium payment; 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 fifteen days, where the policyholder pays the premium on a monthly basis and 30 days in all other cases.","sources":[{"clause":"3.4.2","heading":"Grace Period for other than Single Premium policies","page":16,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-3-4-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The policy wording does not state minimum or maximum entry age.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["single","annually","quarterly","half-yearly","monthly"],"display":"single, annually, quarterly, half-yearly, monthly","note":"Monthly mode is available only if the mode of payment is standing instructions/direct debit options as stated in the premium payments clause.","quote":"The available Premium Paying Frequency under the Policy are single, annually, quarterly, half-yearly, and monthly.","sources":[{"clause":"3.4.1","heading":"Payment of Premium","page":15,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-3-4-1"}],"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 Premium Payment Term","Regular Pay"],"display":"Single Pay; Limited Premium Payment Term; Regular Pay","note":null,"quote":"Single Pay: The policy shall acquire a surrender value immediately on date of commencement of risk. Limited Premium Payment Term: If all due premiums have been paid for first full policy year, the policy shall acquire Special Surrender Value after completion of first policy year. ... GSV Factors as a % of Total Premiums Paid for Limited Pay/Regular Pay","sources":[{"clause":"4.2","heading":"Surrender Benefit","page":17,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-4-2"},{"clause":"Annexure X","heading":"GSV Factors","page":38,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306#c-annexure-x"}],"law":[]},{"key":"annuity_options","label":"Annuity options","section":"Cover","meaning":"Life annuity, joint life, return of purchase price, increasing annuity...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"purchase_price_min","label":"Minimum purchase price","section":"Eligibility","meaning":"Smallest lump sum or annuity accepted.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deferment","label":"Deferment period","section":"Cover","meaning":"For deferred plans, how long before income starts.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"annuity_frequency","label":"Payout frequency","section":"Cover","meaning":"Monthly, quarterly, half-yearly, yearly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"annuity_rate_example","label":"Example annuity rate","section":"Cover","meaning":"An example from the document; rates change with age and over time.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"PNB MetLife Grand Assured Income Plan 117N134V01","pages":28,"fetched_at":"2026-10-17 19:58:30+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/Gain-tnc-01.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14195"},{"kind":"wording","label":"PNB MetLife Grand Assured Income Plan 117N134V08","pages":38,"fetched_at":"2026-10-17 20:00:34+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/GAIN_tnc-08.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14306"},{"kind":"wording","label":"Terms & Conditions","pages":38,"fetched_at":"2026-10-17 20:00:49+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/TermsCondition/GAIN_tnc.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/14322"},{"kind":"brochure","label":"Brochure/Prospectus","pages":16,"fetched_at":"2026-10-17 19:53:05+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/Download_Brochure/Gain_Brochure.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/13945"},{"kind":"brochure","label":"Download Leaflet","pages":2,"fetched_at":"2026-10-17 19:53:09+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/Download_Brochure/Gain-leaflet.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08/document/13948"}],"versions":[{"uin":"117N134V01","version":null,"approved_on":null},{"uin":"117N134V09","version":null,"approved_on":null},{"uin":"117N134V08","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 Grand Assured Income Plan (UIN 117N134V08), IndiaInsurances, https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-grand-assured-income-plan-117n134v08"}