Aajeevan Suraksha Plan
vs
Smart Term Plan
- Affordable Premiums
- Multiple plan options to choose from
- Flexible premium payment options
| PLAN DETAILS |
 Aajeevan Suraksha Plan |
 Smart Term Plan |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
|
|
| Plan Maturity age | Maximum Maturity Age - 99 years | Maximum Maturity Age - 85 years |
| Plan Sum Assured | Basic Sum Assured: Rs. 25 Lakhs to no limit | Base sum assured: 20 lakhs 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 | Annual, half-yearly, quarterly & monthly |
| Plan Policy loan | The policy loan is not available under PNB Metlife Aajeevan Suraksha Plan. | The policy loan is not available under Axis Max Life Smart Secure Plus Plan. |
| Plan Sample Premium | Rs 510-/ per month | Rs 586/- per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | Minimum term - 10 years Maximum term - 99 years | Minimum term - 10 years Maximum term - 67 years |
| Claim Settlement Ratio (2023-24) | 99.2 | 99.70 |
* 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.
PNB Metlife Aajeevan Suraksha Plan offers individuals a comprehensive life cover with a plethora of benefits and features embedded within the plan. Aajeevan Suraksha Plan offers you the convenience to pay premiums for a shorter period of time or throughout the policy term as well as life cover up to 99 years of age. Insurance holders 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 individuals a choice of 4 benefit options, namely
Additional benefits under the plan include a 'Return of Premium' option to get your premiums back on survival till maturity rider benefits as well as inbuilt coverage against terminal illness. In order to reach the right purchase decision it is essential to understand if the plan is tailored as per your needs and requirements. In this article, we shed light on all the pros and cons of the Aajeevan Suraksha Plan.
PNB Metlife Aajeevan Suraksha Plan offers you a range of benefits including:
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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With 9 years of progressive experience in the insurance industry, including 7 years at Policy X, I have honed my expertise in Life and Health Insurance. My strengths lie in devising customer-centric solutions, streamlining insurance processes, and delivering exceptional service. I have successfully led high-performing teams, excelling in business planning, manpower management, and strategic decision-making.
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