Pnb Guaranteed Savings vs Sbi Smart Platina Assure Life Insurance Plan 2026 | PolicyX
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PNB MetLife Guaranteed Savings Plan is an individual, non-participating, non-linked savings-plus-life insurance policy. By serving dual purposes of creating a savings corpus while also ensuring a life cover, the Guaranteed Savings Plan ensures that your family's monetary needs are looked after even in your absence.

PNB MetLife Guaranteed Savings Plan offers you a range of benefits including:

  • Maturity Benefit
  • Death Benefit
  • Discounts on High Sums Assured
  • Loan Benefit
  • Additional Riders
PLAN DETAILS

Pnb Guaranteed Savings

Sbi Smart Platina Assure
Premium Including GST
Key Features
(Key features of the plan)
  • Get Guaranteed Benefits & Yearly Bonuses on Your Savings
  • Rebates on High Sum Assured
  • 2 Add-on Riders Available
  • Explore SBI Life Smart Platina Assure
  • Key Features of the Plan
  • How the Plan Works
Plan Maturity age Maximum Maturity Age: 80 years Maximum Maturity Age - 65 years
Plan Sum Assured 5,7,10 years 7, 10 years
Plan Entry Age Minimum Age: 3 years; Maximum Age: 60 years Minimum Age - 18 years Maximum Age - 60 years
Plan Payment modes Rs 1.5 lakh to Rs 4 lakh Rs 5,50,000 lakh to No limit
Plan Policy loan Annual, Half-yearly, Quarterly & Monthly Annual & monthly
Plan Sample Premium - -
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum Term: 10 years; Maximum Term: 20 years Minimum term - 15 years Maximum term - 20 years
Claim Settlement Ratio (2024-25) Minimum Age - 3 year Minimum Age - 5 year
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SBI Life Smart Platina Assure | SBI Life Insurance 2024 | SBI Smart Platina Assure Plan | SBI Life

SBI Life Smart Platina Assure | SBI Life Insurance 2024 | SBI Smart Platina Assure Plan | SBI Life

* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above life insurance plans using the PolicyX Life Insurance Calculator.

Riders

Benefits of PNB MetLife Guaranteed Savings Plan

There are various benefits to buying the PNB MetLife Guaranteed Savings Plan. Let's understand each of them in detail:

  • Death benefits: The nominee is liable to receive death benefit plus accrued returns on premiums paid in case of unfortunate demise of the Life Assured. The lump-sum capital can be used by the Life Assured family to pursue short-term and long-term goals. The death benefit is payable as 105% of total premiums paid or annualized premium*premium multiple (see eligibility criteria) or basic sum assured at inception, whichever is highest.
  • Maturity Benefit: The sum assured on surviving the policy term is calculated as a percentage of the basic sum assured, along with guaranteed additions on the cumulative premiums paid per year.
  • Discounts on High Sums Assured: Policyholders are eligible to receive discounts on premiums if the sum assured is [i] Rs. 7 Lakhs and up in case of 5 Pay, [ii] Rs. 3.5 Lakhs and up in case of 7 Pay and [iii] Rs. 3 Lakhs and up in case of 10 Pay.
  • Loan Benefit

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Reviewed By: Naval Goel

Naval Goel has over a decade of expertise in the insurance sector, having worked with companies like AIG, New York. He is an Associate Member of the Indian Institute of Insurance, Pune, and is authorized by IRDAI to act as Principal Officer of PolicyX.com Insurance Web Aggregator.

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