Pnb Metlife Pos Suraksha Plan vs Flexi Term Pro Plan Term Insurance Plan 2026 | PolicyX

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PNB MetLife POS Suraksha is an individual, non-linked, non-participating term insurance plan that provides guaranteed monthly income to support your family financially in your absence. It offers both death and maturity benefits for better financial protection of your loved ones.

The plan offers a policy term ranging from 10 to 15 years and starts at an affordable premium of just ₹177 per month. It comes with flexible premium payment options and an easy enrollment process, allowing you to buy it without any medical examinations.

PNB MetLife POS Suraksha offers a range of benefits, including:

  • Affordable Premium
  • Flexible Premium Payment Term
  • Guaranteed Monthly Income
  • Tax Benefits as per laws
  • Return of 100% Premium
  • Maturity Benefit
PLAN DETAILS

Pnb Metlife Pos Suraksha Plan

Flexi Term Pro Plan

Premium Including GST
Key Features
(Key features of the plan)
  • Guaranteed Monthly Income
  • Return of 100% premium
  • Easy Enrollment
  • Choice of Plan Options
  • Lower Premium for Women
  • Whole Life Cover
Plan Maturity age Maximum Maturity Age - 65 years Maximum Maturity Age - 99 years
Plan Sum Assured Basic Sum Assured: ₹50,000 to unlimited. Basic Sum Assured: ₹25 Lakhs to no limit.
Plan Entry Age Minimum Entry Age: 18 years. Maximum Entry Age: 55 years. Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes Annual, Semi-Annual, Quarterly, and Monthly Annual, Semi-Annual, Quarterly, and Monthly
Plan Policy loan The policy loan is not available under PNB MetLife POS Suraksha Plan. The policy loan is not available under Bharti AXA Life Flexi Term Pro Plan.
Plan Sample Premium Rs 521-/ per month Rs 650-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum Policy Term: 10 years. Maximum Policy Term: 15 years. Minimum term - 5 years Maximum term - 50 years
Claim Settlement Ratio (2024-25) 99.57% 99.18%
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* 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.

Riders

Riders Associated with PNB MetLife POS Suraksha Plan

You can add the following riders to your PNB MetLife POS Suraksha Plan:

PNB MetLife Critical Illness Rider

The rider plan provides payment of an additional amount on the diagnosis of 10 critical conditions.

PNB Metlife Terminal Illness Rider

This rider offers additional benefits in case the policyholder is diagnosed with any of the terminal illnesses mentioned in the brochure.

PNB Metlife Waiver of Premium Rider

This rider ensures that future due premiums are waived off in case of total and permanent disability of the life assured.

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