PNB MetLife Premium Calculator
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PNB Metlife Premium Calculator

PNB Metlife Life Insurance Premium Calculator is a freely available online tool that helps you compare various life insurance plans and choose the best for you and your family. To calculate your life insurance premium you have to enter basic details such as the policyholder’s age, gender, medical history, lifestyle habits, etc.

Your financial requirements and lifestyle are different from others. The life insurance plan ideal for you might not be useful for others. This tool offers personalized results as per the information provided so that you can make a wise decision.

How Does PNB Metlife Life Insurance Work?

Let’s understand how the PNB Metlife Premium Calculator works with a simple illustration.

Mr Raghubir is a 26-year-old nonsmoker who is working as a Software Developer in an IT company. He wants to buy life insurance of Rs 50 lakh coverage with coverage till 55 years to secure the future of his loved ones financially. By entering these details in the PNB Metlife Life Insurance Calculator you will get the premium on a monthly and yearly basis.

FrequencyTotal Premium Including Taxes
MonthlyRs 2,760
YearlyRs 31,152

How to use the PNB Metlife Insurance Premium Calculator?

For the common man, using the PNB Metlife Life Insurance Calculator is very easy. To use the calculator you have to follow the below-mentioned steps:

  • Visit the official website of PNB Metlife.
  • Hover over the ‘Buy Insurance’ on top of the page.
  • You will get a list of options.
  • Choose ‘Tools and Calculators’ and click on ‘Term Plan Calculator’.
  • A new interface will appear on your screen.
  • You have to enter basic details in the PNB Metlife Premium Calculator and you will get your premium monthly and yearly.

The basic details you have to enter in the PNB Metlife Premium Calculator include:

  • Policyholder’s age
  • Gender
  • Education qualification
  • Profession
  • Smoking habits
  • Policy tenure
  • Sum assured

The premiums displayed by the PNB Metlife Life Insurance Premium Calculator are inclusive of 18% GST.

Benefits of Using the PNB Metlife Premium Calculator

  • Free tool

    PNB Metlife Life Insurance Calculator is a free online tool that helps you calculate your life insurance premium and compare different life insurance plans. Anyone can use this tool to calculate their life insurance premium.

  • Offers easy comparison

    This calculator offers an easy comparison of various plans based on various parameters such as sum assured, policy tenure, premium payment term, etc. It helps them choose the right plan as per their requirements.

  • Attractive discounts

    You can buy life insurance from PNB Metlife after calculating the premium from the calculator. Buying a policy online is recommended as insurance companies provide attractive discounts to people buying life insurance online.

  • Saves time and avoids manual calculations

    Using the PNB MetlifePremium Calculator helps you save a lot of time and avoid manual calculations. You have to just input a few basic details and the calculator will show you the personalized premiums within seconds.

  • Helps to plan your budget

    If you know your life insurance premium in advance then you can manage your budget. It helps you make other financial decisions wisely.

Factors Affecting PNB Metlife Life Insurance Premium

  • Policyholder’s Age

    The age of the policyholder affects their life insurance premium. The insurance premium increases with an increase in age. That’s why it is better to have a life insurance policy at a young age.

  • Profession

    If you are involved in risky occupations such as skydiving, metal factory, underground activities, etc then the insurance company may charge you a high premium amount.

  • Lifestyle choices

    If an individual smokes or takes alcohol then the insurance company charges you a high premium as you are more prone to cancer, heart disease, lung disease, etc.

  • Policy tenure

    The policy tenure affects your premium amount. Policy having short tenure has less premium while long term policies have a high premium. This happens because the risk of the insurer increases with an increase in duration.

  • Choice of riders

    If you choose additional riders such as Accidental Death Benefit Rider, Critical Illness Rider, or Income Benefit Rider the cost of your premium increases. These riders provide extra protection to policyholders but come at an additional cost.

Conclusion

PNB Metlife Premium Calculator is a free online calculator that helps you calculate your life insurance premium and compare different personalized plans. It provides the premium based on various factors like age, gender, sum assured, tenure, etc. You can buy life insurance online at your convenience after calculating the premium.

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PNB MetLife Insurance Premium Calculator: FAQs

1. . How to check PNB Metlife Life Insurance Premium Online?

To check your PNB Metlife Life Insurance Premium you can use the PNB Metlife Life Insurance Premium Calculator. This tool helps you calculate your premium within seconds.

2. Are the results provided by the PNB Metlife Premium Calculator accurate?

Yes, the results provided by PNB Metlife Premium Calculator are reliable and accurate as they provide personalized results based on the provided information.

3. What factors affect your PNB Metlife life insurance premium?

Various factors such as your age, medical history, smoking habits, profession, etc may affect your PNB Metlife Life insurance premium.

4. What is an ideal time to buy a life insurance policy?

It is recommended to buy a life insurance policy at a young age (18-20) as starting early provides you the benefit of low premiums.

5. What is an ideal life insurance sum assured for an individual?

The sum assured opted by an individual depends on various factors including financial situation, income level, affordability, lifestyle, etc.

Life Insurance Companies

Compare and buy the most suitable Life Insurance Plan from the below-mentioned IRDAI-approved Life Insurance companies.

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Himanshu Kumar

Written By: Himanshu Kumar

Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.

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