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Aajeevan Suraksha Plan
510-/ per month
VS
Eshield Next Plan
503-/ per month
PNB MetLife Aajeevan Suraksha Plan offers individuals a comprehensive life cover with a plethora of benefits and features. It provides the convenience to pay premiums for a shorter period or throughout the policy term, along with life cover up to 99 years of age. Policyholders can also opt to cover their spouse under the same plan and select the return of premiums on survival till the end of the policy term. The plan offers a choice of 4 benefit options: Lump Sum, Life Partner, Fixed Income, and Increasing Income.
Additional benefits include a 'Return of Premium' option to get your premiums back on survival till maturity, rider benefits, and inbuilt coverage against terminal illness. To make the right purchase decision, it is essential to understand if the plan is tailored to your needs and requirements. This article sheds light on all the pros and cons of the Aajeevan Suraksha Plan.
PNB MetLife Aajeevan Suraksha Plan offers you a range of benefits including:
| PLAN DETAILS |
Aajeevan Suraksha Plan |
Eshield Next Plan |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
|
|
| Plan Maturity age | Maximum Maturity Age - 99 years | Maximum Maturity Age - 100 years |
| Plan Sum Assured | Basic Sum Assured: Rs. 25 Lakhs to No Limit | Basic Sum Assured: ₹50L to No Limit |
| Plan Entry Age | Minimum Age: 18 years, Maximum Age: 45 years | Minimum Age - 18 years Maximum Age - 65 years |
| Plan Payment modes | Yearly, half-yearly & monthly | Single, Yearly, Half-Yearly, and Monthly |
| Plan Policy loan | Policy loans are not available under PNB MetLife Aajeevan Suraksha Plan. | The policy loan is not available under SBI Life eShield Next plan. |
| Plan Sample Premium | Rs 510-/ per month | Rs 503-/ per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | Minimum Term: 10 years, Maximum Term: 99 years | Minimum term - 5 years Maximum term - 100 years |
| Claim Settlement Ratio (2024-25) | 99.57% | 98.83% |
|
SBI eShield term insurance plan |
||
* 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 term insurance plans using the PolicyX Term Insurance Calculator.
You can add the following riders to your PNB MetLife Aajeevan Suraksha Plan:
Get additional health coverage on top of the base cover in case of a diagnosis of any listed critical illnesses.
Get an extra payout on top of base cover upon your unfortunate death due to an accident.
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