Your child’s dreams...

...your commitment.
Call us Toll Free: 1-800-425-6969
Visit us: www.metlife.co.in
Write to us: indiaservice@metlife.com

MetLife India Insurance Co. Ltd.

Brigade Seshamahal, 5, Vani Vilas Road, Basavanagudi,
Bangalore - 560 004. Tel: +91-080-2643 8638
www.metlife.co.in
IRDA Registration number: 117
IRDA Unique Identification Number for Met Protect is 117N065V01.
Insurance is the subject matter of the solicitation. LD/2010-11/ EC189/339.
Met Protect- A Pure Protection Term Plan.
Life is unpredictable, Death is certain. But occurrence of this
unfortunate eventuality cannot be predicted. We want to give the
best to our family in every sphere of life. However, we need to ensure
that our best laid plans for our family are well secured, whether we
are around or not.
To protect your loved ones from the uncertainties of life should
anything unfortunate happens to you, MetLife offers ‘Met Protect’, a
pure protection plan, to guarantee financial security for your family.
Furthermore, you can buy this plan online at your convenience!!

Buying Met Protect was never so easy...

Simple steps to own this policy at your convenience:-

1 2
Choose the amount  Decide the duration of cover you
need and choose the frequency of
of protection that you need premium payment


4
Flexibility to pay premium
 3
with your credit/debit card, Fill the online proposal form
MetLife’s IVRS (Interactive Voice
Response System) & cheque


6
5
You may be required to undergo


Keep the documents ready for certain medical tests as required
collection at your convenience and by the company, at no extra cost of
our representative will come at
yours, for which our medical team
your doorstep to collect them
will visit you at your availability


On successful acceptance of your proposal,
we will issue and courier your Policy Documents
 Key Features of Met Protect
• Buy this affordable, pure risk insurance plan online.
• Get rewarded with lower premiums for being a Non-Smoker*.
• Differential premiums for males and females.
• Avail of tax benefits under Section 80C^ on the premiums paid.

Eligibility Criteria for Met Protect

Conditions Eligibility
Minimum Age at Entry 18 Years
Maximum Age at Entry 60 Years
Max policy Expiry Age 70 Years
Minimum Sum Assured Rs. 25 Lakhs
Maximum Sum Assured No Limit Subject to Underwriting
Regular Pay: 10 – 35 Years ;
Policy Term
Single Pay : 10-15 Years
Premium Payment Term Regular/Single
Premium Payment Frequency Annual/Semi Annual/Single

*Who is a Non-Smoker?
People who have not smoked or consumed tobacco or nicotine products in any form
in the last 5 years (Tobacco product includes but not limited to cigarettes, bidis, ci-
gars, chewable tobaccos like ghutka, flavored pan masala etc) and who have tested Please consult your tax advisor for advice on the availability of tax benefits for the
negative for the Cotinine Test. The special premium rates will be offered subject to premiums paid and proceeds received under the Policy.
satisfactory results of “Cotinine Test” besides other underwriting requirements as
may be required by the company from time to time.
Other Provisions Available
Benefits under your policy
A) Free Look Period
A) Death Benefit You have a period of 15 days from the date of receipt of the Policy Document to
review the terms and conditions of this Policy. If you have any objections to any of the
In the event of your unfortunate demise during the term of the Policy, your beneficiary
terms and conditions, you have the option to return the Policy stating the reasons for
will receive the Sum Assured provided the Policy is in force at the time of death.
the objections and you shall be entitled to a refund of the premium paid subject only
to a deduction of a proportionate premium for the period on cover and the expenses
B) Maturity Benefit
incurred on medical examination (if any) and the stamp duty charges.
This plan does not have any maturity benefit.
B) Grace Period
C) Paid-up & Surrender Value If premium is not paid on its due date a Grace Period of 30 (thirty) days will be
This Plan does not have any paid-up or surrender value allowed for payment of the premium without interest. During the Grace Period, the
Policy shall continue to be in force for the Insured event.
^Tax Benefits If the premium(s) is/are not paid within the Grace Period, the Policy will lapse and
Tax Benefits under this plan are available as per the provisions and conditions of the no benefits are payable under the Policy.
Income Tax Act 1961 and are subject to any changes made in the tax laws in future.
 D) Termination
Your Policy will be terminated at the
earliest for the following:

• On expiry of Policy term.

• At the expiry of three years from

the date of lapsation, when the
Policy has not been reinstated.

• The date of intimation of your

unfortunate demise.

Exclusions

A) Suicide
In the event of your committing suicide,
whether sane or insane at that time,
within one year from the date of
commencement of insurance cover or
the issue date of the Policy or the date
of the last reinstatement whichever is
C) Reinstatement later, the insurance cover shall be void
When the premium is not paid within the grace period, the Policy shall lapse and no and we shall not be liable to pay any of
benefit will be payable. You may, however, reinstate the Policy provided, you: the benefits available under the product
• Request in writing for reinstatement within three (3) years from the date of the including but not limited to the Sum Assured except refunding the premium(s)
Policy lapsed. received without interest, if any, less stamp charges and expenses incurred on
medical examination (if any).
• Provide satisfactory evidence of insurability to us and fill all such requirements
which may be reasonably prescribed by us including the Cotinine Test as decided B) Travel, Residence and Occupation
by the Company, at your cost.
This Policy does not impose any restrictions on your residence or occupation
• Pay all due premiums to date of reinstatement with compound interest at the
rate prescribed by the Company at the time of reinstatement. except as otherwise provided by law.
• Fulfill the reinstatement requirement as specified by the Company There would be no restrictions on travel except to areas notified by local
governments for ’Travel Advisory’ risks.
The Company reserves the right to accept or accept with modified terms or decline
the revival of a discontinued Policy. Further the Company reserves the right to im-
pose such extra premium as it deems fit

The revival of a lapsed Policy is also subject to payment of revival fee, which is
Rs.500/- at present and subject to review in future with IRDA approval.
 Glossary

About MetLife
MetLife India Insurance Company Limited (MetLife) is an affiliate of MetLife, Inc.
and was incorporated as a joint venture between MetLife International Holdings
Inc., The Jammu and Kashmir Bank, M. Pallonji and Co. Private Limited and other
private investors. MetLife is one of the fastest growing life insurance companies
in the country. It serves its customers by offering a range of innovative products
to individuals and group customers at more than 700 locations through its bank
partners and company-owned offices. MetLife has more than 55,000 Financial
Advisors, who help customers achieve peace of mind across the length and breadth
of the country. For more information about MetLife, please visit the company’s
website at www.metlife.co.in
MetLife, Inc., through its affiliates, reaches more than 70 million customers in the
Americas, Asia Pacific and Europe. Affiliated companies, outside of India, include the
number one life insurer in the United States (based on life insurance inforce), with
over 140 years of experience and relationships with more than 90 of the top one
hundred FORTUNE 500®1 companies. The MetLife companies offer life insurance,
annuities, automobile and home insurance, retail banking and other financial
services to individuals, as well as group insurance, reinsurance and retirement and
savings products and services to corporations and other institutions.
Section 45 of the Insurance Act, 1938 states:
1
“No Policy of life insurance effected before the commencement of this Act shall
FORTUNE 500® is a registered trademark of FORTUNE® magazine, a division of Time, Inc.
after the expiry of two years from the date of commencement of this Act and
no Policy of life insurance effected after the coming into force of this Act shall
Call us Toll Free: 1-800-425-6969 after the expiry of two years from the date on which it was effected, be called
in question by an insurer on the ground that a statement made in the proposal
for insurance or in any report of a medical officer, or referee, or friend of the
Disclaimer Person Insured, or in any other document leading to the issue of the Policy,
Statutory Warning: was inaccurate or false, unless the insurer shows that such a statement was on
material matter or suppressed facts which it was material to disclose and that
Section 41 of the Insurance Act, 1938 states: it was fraudulently made by the Policy owner and that the owner knew at the
No person shall allow or offer to allow, either directly or indirectly, as an inducement time of making it that the statement was false or that it suppressed facts which
to any person to take out or renew or continue an insurance in respect of any kind it was material to disclose:
of risk relating to lives or property in India, any rebate of the whole or part of the Provided that nothing in this section shall prevent the insurer from calling for
commission payable or any rebate of the premium shown on the Policy, nor shall proof of age at any time if he is entitled to do so, and No Policy shall be deemed
any person taking out or renewing or continuing a Policy accept any rebate, except to be called in question merely because the terms of the Policy are adjusted on
such rebate as may be allowed in accordance with the published prospectuses or subsequent proof that the age of the Person Insured was incorrectly stated in
tables of the insurer. the proposal.”
Any person making default in complying with the provisions of this section shall be  This product brochure is only indicative of terms, conditions, warranties and
punishable with fine which may extend to Rs. 500. exceptions contained in the insurance Policy
 Please read this sales brochure carefully before concluding any sale
 Insurance is the subject matter of the solicitation