Individual Death Claim Settlement Ratio¹
Individual Death Claim Amount Settled²
Assets Under Management (AUM)³
Customer access points through bancassurance⁴
Customers Trusted5
Explore Our Life Insurance Plans
By submitting your details, you agree to PNB MetLife's Privacy Policy and authorize PNB MetLife and/or its authorized service providers to verify the above information and/or contact you to assist you with the policy purchase and/or servicing. You have the option to opt-out of this contact authorization by un-checking the box. The authorization provided by you herein will supersede all earlier authorizations/registrations made by you in this regard.
Life insurance is a long-term financial protection solution designed to secure you and your family’s future against life’s uncertainties. It works as a legal contract between you and an insurance provider, where the insurer promises to pay a predefined amount called the sum assured your nominee if an unfortunate event occurs during the policy term.
Beyond protection, modern life insurance plans also support income continuity, savings, retirement planning, and wealth creation.
With the right life insurance plan, you can safeguard your family’s future, outstanding loans, children’s education, and long-term retirement & saving goals. Insurance helps your dependents and ensures financial stability even when you are not around.
Secure today. Stay prepared for tomorrow’s uncertainty with PNB MetLife Life Insurance.
Life insurance plays a vital role in financial planning and provides financial security for Indian households by offering protection, and long-term value.
Life insurance in India is not just about protection; it’s about long-term financial protection and stability.
PNB MetLife Insurance combines global insurance expertise with a strong Indian banking foundation, delivering reliable and customer-centric life insurance solutions.
With financial stability, high claim settlement ratios, and service excellence, PNB MetLife stands as a dependable partner for lifelong protection.
Life insurance is a financial protection plan that provides a payout to your family in case of your death during the policy term. Its purpose is to secure your loved ones’ financial needs, replace lost income, repay liabilities, and protect long-term goals like education and retirement through the right life insurance coverage.
Anyone who wants to ensure financial security for themselves and their family in their absence. Insurance is for everyone to remain financially independent and able to maintain their standard of living without foregoing essential needs. Choosing the right life insurance policy ensures financial support in times of life uncertainties.
The ideal life insurance cover depends on income, existing liabilities, family expenses, and future goals. Financial advisors prescribed a thumb rule to have a life cover of 10 to 15 times your annual income. You can also calculate life insurance coverage using an online life insurance calculator for more accuracy.
Life insurance plans in India include term insurance for pure protection, savings and endowment plans for disciplined wealth creation, ULIP Plans for market-linked growth, child plans for education needs, retirement plans for post-retirement income, and guaranteed income plans for predictable payouts.
Life insurance needs change with age and responsibilities. Young adults benefit from lower premiums, parents require higher cover, mid-career individuals focus on wealth and protection, and older individuals may prioritise retirement income plans and guaranteed payouts.
Buying life insurance online involves selecting a suitable plan, choosing coverage and policy term, submitting prescribed documents, and completing payment. The process is fast, transparent, and convenient (Policy issuance is subject to the underwriting process of the Company). You can buy life insurance online and track your policy digitally.
Most individuals between 18 and 65 years can buy life insurance, subject to plan terms. Eligibility depends on age, income, health condition, and occupation. Both salaried and self-employed individuals can explore suitable life insurance plans in India.
Life insurance premiums depend on age, income, health, lifestyle habits like smoking, alcohol consumption, Body Mass Index (BMI), sum assured, policy term, and riders selected. Using a term insurance premium calculator can help estimate costs before choosing a plan.
Life insurance offers tax benefits under the Income Tax Act, subject to prevailing laws. Premiums paid may qualify for deductions, while maturity and death benefits may be exempt, making life insurance tax benefits an important part of financial planning.
To buy life insurance, you may need identity proof, address proof, age proof, income proof, and photographs. Medical reports (if required). Knowing the documents required for life insurance helps speed up policy issuance. However, company may call for any additional documents if required.
To file a life insurance claim, inform the insurer, submit the claim form, and provide prescribed documents. Once verified, the claim amount is paid to the nominee. A clear life insurance claim process ensures faster settlement during difficult times.
Life insurance claim documents usually include the policy document, death certificate, claimant’s identity proof, and medical records if applicable. Keeping life insurance claim documents ready helps avoid delays in settlement. However, the insurance company may call for any additional documents if required.
Do’s
Assess your Insurance requirements, coverage needs, compare life insurance plans, and disclose all the details honestly.
Don’t
Check your right insurance coverage requirement to avoid under insurance or Making informed decisions ensures effective protection and long-term benefits.
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PNB MetLife Life Insurance is a life coverage provider in India offering a range of insurance solutions like term insurance, savings plans, retirement plans, and child plans. These life insurance plans help protect your family financially and support long-term goals through life cover, income protection, and savings features.
To check your PNB MetLife policy status, log in to the customer portal or Khushi app with your registered details. Once logged in, you can view your policy status, due dates, premium history, coverage details, and other policy information.
You can pay your PNB MetLife insurance premium online through the official customer portal by logging in with your policy details and selecting “Pay Premium.” Alternatively, you can pay via the PNB MetLife mobile app (Khushi App), payment gateway, or through partner bank channels, ensure your policy and protection stays active.
You can download your PNB MetLife policy document by signing in to your account on the official portal or mobile app. Go to “My Policies” and select the specific policy to view and download the e-policy or policy statement securely.
The PNB MetLife Term Plan is a pure life insurance product that provides life cover at affordable premiums. In the event of the policyholder’s death during the policy term, the nominee receives the sum assured, offering financial protection to the family.
A PNB MetLife retirement or pension plan helps you build a retirement corpus that provides regular income after retirement. These plans may offer guaranteed income streams, survival benefits, and life cover, ensuring financial confidence in your post-work years as per the retirement plan chosen by you.
You can contact PNB MetLife customer care by calling the official toll-free number listed on the website or policy documents, emailing the support address, or raising a request through the portal or mobile app. For specific queries, use the support channels provided in your policy documents and other communication documents.
If you miss a premium payment for your PNB MetLife policy, you enter a grace period as mentioned in your policy bond, where you can still pay without any additional payment. If premiums remain unpaid beyond the grace period, your policy may lapse, and coverage may stop. You may contact us for reinstatement options.
The PNB MetLife Guaranteed Future Plan is a savings-oriented life insurance policy that offers guaranteed payouts at maturity along with bonuses over time. It helps you achieve financial goals like education, marriage, or retirement by providing disciplined savings and protection.
The maturity period for PNB MetLife insurance plans depends on the specific product chosen by you.
Yes, you can cancel your PNB MetLife life insurance policy within the free-look period, or surrender your policy as per the to policy terms and conditions.
You nominate a beneficiary for your PNB MetLife policy at the time of buying the policy, or also change your nominee during the policy terms later by submitting the nomination form or service request through the customer portal, app, or service centre.
Yes, depending on the plan’s terms and conditions, further , PNB MetLife allows you to enhance your coverage by adding riders such as critical illness, accidental death or disability riders. Riders are optional benefits that increase your policy’s protection.
Premiums paid for PNB MetLife life insurance plans may qualify for tax deductions under the Income Tax Act, and policy payouts may be tax exempt, subject to prevailing tax laws. Always consult a tax advisor for personalised tax benefits.
To update contact information, log in to the customer portal or mobile app, select the relevant policy under “My Account,” and update your address, email, or phone number. You may be required to submit supporting documents as prescribed by the Company.
Yes, you can buy select PNB MetLife insurance plans online through the official website or app.
By submitting your details, you agree to PNB MetLife's Privacy Policy and authorize PNB MetLife and/or its authorized service providers to verify the above information and/or contact you to assist you with the policy purchase and/or servicing. You have the option to opt-out of this contact authorization by un-checking the box. The authorization provided by you herein will supersede all earlier authorizations/registrations made by you in this regard.
Disclaimer for DigiProtect banner:Terms & Conditions Apply. 1Discounts on First-Year Premium—5% for Salaried Customers, 4% for Income Tax Filers, and 12% for Online Channel purchases. 2Individual Death Claim Settlement Ratio as per latest annual audited figures reported to IRDAI for FY 24-25. The product features highlighted are subject to specific terms and conditions. For more details on terms & conditions, please read the Sales brochure carefully before concluding any sale. PNB MetLife India Insurance Company Limited, Registered offi¬ce address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka. IRDAI Registration number 117. CI No: U66010KA2001PLC028883.Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details. Goods and Services Tax (GST) at prevailing rate subject to change from time to time. Trade Logo displayed above belongs to Punjab National Bank and Metropolitan Life Insurance Company and used by PNB MetLife India Insurance Company Limited under License. Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. AD-F/2025-26/730.
Disclaimer for our Top Fund Offer Midcap: THE UNIT-LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICYHOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN UNIT-LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR. T&C Apply
PNB MetLife Mid Cap Fund (SFIN: ULIF02501/01/18MIDCAPFUND117) is an actively managed fund and is our top fund basis the 5 year CAGR, as on 30th September, 2025. #The above illustration shows value of Rs. 5 Lakh invested as on 1st October 2020 in PNB MetLife Mid Cap Fund, accumulated as on 30th September 2025 (a five year period). This illustration is calculated basis pure investment returns generated by the fund and not accounted for various charges that are deducted in the form of units in the ULIP bought. Past performance is not indicative of future performance. Please refer to the customized product illustration where in returns are shown at assumed investment rates of 4% and 8% respectively. Assumed rates of interest are not the upper or lower limits. For more details on risk factors, terms & conditions, please read the sales brochure carefully before concluding a sale. This fund is suitable for individual with high risk tolerance and long-term investment goals. Unit-linked life insurance products are different from the traditional insurance products and are subject to risk factors. Premiums paid in unit-linked life insurance policies are subject to investment risks associated with capital markets, and NAV of the units may go up or down, based on the performance of the fund and factors influencing the capital market and the insured is responsible for his/her decisions. Please know the associated risks and the applicable charges from your insurance agent or intermediary or policy document issued by us. PNB MetLife Insurance Company Limited is the name of the Life Insurance Company and the Unit Linked Insurance Plan Names – PNB MetLife Goal Ensuring Multiplier (UIN: 117L133V07), PNB MetLife Mera Wealth Plan (UIN: 117L098V08), and PNB MetLife Smart Platinum Plus (UIN: 117L125V06) and PNB MetLife TULIP (UIN: 117L136V04) are only the names of the unit-linked life insurance contracts and do not in any way indicate the quality of the contract, their future prospects or returns. The various funds offered under these contracts are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. PNB MetLife India Insurance Company Limited. Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka. IRDAI Registration number 117 | CIN U66010KA2001PLC028883. Trade Logo displayed above belongs to Punjab National Bank and Metropolitan Life Insurance Company and used by PNB MetLife India Insurance Company Limited under License. PNB MetLife India Insurance Company Limited is a licensed user of these marks. Call us Toll-free at 1-800-425-6969, Website: www.pnbmetlife.com, Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. AD-F-AD-F/2025-26/831
Disclaimer for MGFP Banner: ^^Guaranteed Additions (GA) will accrue throughout Premium Payment Term as a percentage of Annualised Premium and will vary based on Premium payment term, entry age and benefit option chosen. **Wealth Additions (WA) will be available with ‘Endowment’ & ‘Income + Lumpsum’ options. Was accrue after completion of Premium Payment Term as a percentage of Total Premiums Payable and will vary based on Premium payment term and entry age. PNB MetLife Guaranteed Future Plan is an Individual, Non-Linked, Non-participating, Savings Life Insurance Plan (UIN: 117N124V16), Please read the sales brochure carefully before concluding any sale. . PNB MetLife India Insurance Company Limited. Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka. IRDAI Registration number 117 | CIN U66010KA2001PLC028883. Trade Logo displayed above belongs to Punjab National Bank and Metropolitan Life Insurance Company and used by PNB MetLife India Insurance Company Limited under License. Tax benefits are as per Income Tax Act, 1961 & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details. Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject from time to time. PNB MetLife India Insurance Company Limited is a licensed user of these marks. Call us Toll-free at 1-800-425-6969, Website: www.pnbmetlife.com, Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. AD-F/2025-26/693
Disclaimer for CSR/Bonus/AUM: ~Asset under management mentioned here is as per Financial Disclosure of Q1-2025. @As per latest annual audited figures reported to IRDAI for FY 24-25. ^Highest bonus declared year on year since inception for its participating policies in FY 24-25. PNB MetLife India Insurance Company Limited, Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 MG Road, Bangalore -560001, Karnataka. IRDAI Registration number 117. CI No: U66010KA2001PLC028883. Trade Logo displayed above belongs to Punjab National Bank and Metropolitan Life Insurance Company and used by PNB MetLife India Insurance Company Limited under License. Toll Free Number: 1800 425 6969, Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex-1, Techniplex Complex, off Veer Savarkar Flyover, Goregaon (West), Mumbai - 400062, Maharashtra. AD-F/2025-26/695
The unit linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in unit linked insurance products completely or partially till the end of the fifth year. *The returns shown is a 5-year annualized return of the PNB MetLife Mid-Cap Fund (SFIN No: ULIF02501/01/18MIDCAPFUND117) as of 31st June 2025. This fund is suitable for individuals with high-risk tolerance and long-term investment goals. Tax benefits under this plan may be available as per the provisions and conditions of the Income Tax Act, 1961 and are subject to any changes made in the tax laws in future. Please consult your tax advisor for advice on the availability of tax benefits for the Premiums paid and proceeds received under the policy for more details. The past performance of the funds is not indicative of the future performance. Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. PNB MetLife India Insurance Company Limited is only the name of the Life Insurance Company and PNB MetLife Smart Goal Ensuring Multiplier is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. For More details on risk factors, terms and condition please read the sales brochure before concluding the sale. For Further details on all the conditions exclusions related to product, please contact our insurance advisors. PNB MetLife India Insurance Company Limited | Registered Office: Unit No. 701, 702 and 703, 7th floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka Write to us at: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062. Email: indiaservice@pnbmetlife.co.in Corporate Identification Number (CIN): U66010KA2001PLC028883 | IRDAI Registration No: 117. AD-F/2025-26/439
Disclaimer for Great Place to Work: Based on the GPTW survey rankings, our company has been awarded 6th position overall in India. As certain non-insurance companies are ranked ahead of us, we consider ourselves the top-ranked insurance company in the survey. Our company has achieved 6th position in the GPTW survey rankings. Given that non-insurance companies are included in the overall rankings, we proudly claim the top spot among insurance companies in India.
Disclaimer for 1041 Crore Bonus FY24-25: Highest bonus declared year on year since inception for its participating policies in FY 24-25. #The number of participating policies as on 31st March 2025 is 568,0144. T&C Apply. PNB MetLife Company India Insurance Limited Registered Office: Unit No. 701,702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 MG Road, Bangalore -560001, Karnataka. IRDA of India Registration number 117. CIN. U66010KA2001PLC028883. The marks "PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks. Call us on Toll-free 1-800-425-6969, Website: www.pnbmetlife.com Email: indiaservice@pnbmetlife.co.in or write to us at 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai - 400062. AD-F/2025-26/247
Disclaimer for Midcap Fund: The unit linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in unit linked insurance products completely or partially till the end of the fifth year. *The returns shown is a 5-year annualized return of the PNB MetLife MidCap Fund (SFIN No: ULIF02501/01/18MIDCAPFUND117) as of 31st March 2025. The calculations are based on index data provided by NSE and exclude any scheme-level expenses. Please refer to the customized product benefit illustration wherein returns shown at assumed investment rate at 4% and 8% respectively. Assumed rate of returns are not guaranteed and these are not the upper or lower limits. T&C Apply. This fund can be availed with our ULIP plans – PNB MetLife Goal Ensuring Multiplier An Individual, Unit Linked, Non-Participating, Life Insurance Plan | UIN: 117L133V05 and PNB MetLife Smart Platinum Plus Individual, Unit-Linked, Non-Participating, Life Insurance Plan | UIN: 117L125V06 and PNB MetLife Mera Wealth Plan, Individual, Unit-Linked, Non-Participating, Life Insurance Plan | UIN: 117L098V07 and PNB MetLife Term with Unit Linked Insurance Plan Individual, Unit-Linked, Non-Participating, Savings Life Insurance plan | UIN: 117L136V03. Other funds are also available with our ULIP’s. Unit Linked Insurance Plans (ULIPs) are different from the traditional insurance products and are subject to risk factors. The premium paid in linked insurance policies are subjected to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Please know the associated risks and the applicable charges from your insurance agent or intermediary or policy document issued by us. PNB MetLife is only the name of the Life Insurance Company and above mentioned PNB MetLife Unit Linked Insurance Plans are the only names of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, and their future prospects and returns. The past performance of the funds is not indicative of the future performance. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. PNB MetLife Company India Insurance Limited Registered Office: Unit No. 701,702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 MG Road, Bangalore -560001, Karnataka. IRDA of India Registration number 117. CIN. U66010KA2001PLC028883. The marks "PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks. Call us on Toll-free 1-800-425-6969, Website: www.pnbmetlife.com Email: indiaservice@pnbmetlife.co.in or write to us at 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai - 400062. AD-F/2024-25/1787
Disclaimer for 99.57% Claim Settlement Ratio: *As per latest annual audited figures reported to IRDAI for FY 24-25. PNB MetLife India Insurance Company Limited, Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 MG Road, Bangalore -560001, Karnataka. IRDAI Registration number 117. CI No: U66010KA2001PLC028883. The marks "PNB" and "MetLife" are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks. Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex-1, Techniplex Complex, off Veer Savarkar Flyover, Goregaon (West), Mumbai - 400062, Maharashtra. AD-F/2025-26/271
As your trusted life insurance partner, PNB MetLife covers COVID-19 claims. In the event of a death claim, please submit a signed claim form mentioning the policy number, a brief description of the insured event, and all other mandatory claim documents to the email addresses provided below. You may write to us at claimshelpdesk@pnbmetlife.com or indiaservice@pnbmetlife.co.in. For death claim intimation or any queries, you can also call us at 1800-425-6969 (for customers calling from within India only), Monday to Saturday, between 10:00 am and 7:00 pm
PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance Plans, Term Plan, Protection Plans, Long Term Savings Plans , Retirement Plans & Child Education Plan.
#Tax benefits are as per Income Tax Act, 1961 & are subject to amendments made thereto from time to time. Please consult your Tax Consultant for more details. Goods and Services Tax (GST) shall be levied as per prevailing Tax laws which are subject to change from time to time.
*PNB MetLife started its operations in the year 2001. PNB (established in 1894) and MetLife (established in 1868) are the promoters of PNB MetLife .The combined years of experience/good will /trust of PNB and MetLife is shown in this advertisement.
‘9.29% (inclusive of high premium booster) shown is for male age 50 yrs, annualized premium of Rs. 5 Lakhs p.a. exclusive of all taxes, Premium Payment Term of 10 yrs, Life Annuity option chosen with annual annuity frequency. | “Guaranteed benefits are dependent on the product T&C along with other variable factors, provided the policy is in-force & all due premiums have been paid.
Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details. Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time.
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