Prepared by Swarnalata Dash Pension Plan Met Deferred Monthly Income Plan

Introduction A pension is a contract for a fixed sum to be paid regularly to a person, typically following retirement from service. The former pension amount is paid in regular installments, while the latter is paid in one lump sum. Types of pensions A. Employment-based pensions (retirement plans) B. Social and state pensions C. Disability pensions

Features 1) Pay for 5/7 years to get Guaranteed* Monthly Retirement Income for up to 20 years from 11th year onwards This Plan also provides for bonus payout every year till the end of the Policy term* (or on death) thus ensuring you peace of mind. 2)Your Guaranteed Monthly Retirement Income commences from Year 11 which is enhanced by the additional payouts* to boost your income. 3)Tax savings on buying along with Tax # free Monthly Income 4)Immediate lump sum paid in case of an unforeseen event of death while guaranteed monthly income continues as planned for your family irrespective of the number of premium paid

Product Glance Premium Payment Term - 5/7 Years Min. Age at entry* - 18 years Max. Age at entry* - 55 Years Max. age at maturity* - 85 Years Policy Term - 20/25/30 Years Min. Monthly Income - Rs. 4,000 Sum Assured 120 times the Monthly Income for Policy Term of 20 years 180 times the Monthly Income for Policy Term of 25 yrs 240 times the Monthly Income for Policy term of 30 years Benefit Period - 10/15/20 Years

Benefits Survival Benefits Enhanced monthly regular income = Guaranteed monthly income chosen at the inception + (Accrued bonuses at the end of the 10th policy year / (Benefit Payout Period*12))}. In case of the death of the Person Insured while receiving the Survival Benefit, the Enhanced Monthly Income will continue to be paid to the nominee till the maturity date. Maturity Benefit Simple Reversionary Bonus Cash Bonus Terminal Bonus

Death Benefit a) If the Death of the Person Insured occurs before the 10th Policy Anniversary: - 24 times the Monthly Income under the policy plus all the accrued Simple Reversionary Bonuses will be paid immediately on death, as a lump sum. - Monthly Income chosen at the inception will be paid to the nominee for the next 10/15/20 years as chosen by the Policyholder. - At the end of the 10th policy Year The policy will also be eligible for cash bonuses which may be declared after the completion of 10th Policy Year. b) If the Death of the Person Insured occurs after the 10th Policy Anniversary: - 24 times the Monthly Income under the policy will be paid immediately on death, as a lump sum. In addition the nominee will continue to receive the revised Monthly Income 120/180/240 months the benefit Payout Period is chosen by the policy holder. The policy will also be eligible for cash bonuses which may be declared after the completion of 10th Policy Year. The Terminal Bonus (if any) will be payable along with the final installment of monthly regular income. In case of death of the beneficiary / nominee during these guaranteed monthly regular income payments period, the due payments will be made to the legal heir. On death of the Insured, no further premiums will be payable by the beneficiary. Also, the participation in bonuses will be over and above the defined monthly payouts.

Target People Govt. Employees Young peoples who newly joined in a job (self-employed) Age between

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