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Your childs dreams... ...your commitment.

MetLife India Insurance Co. Ltd.Brigade Seshamahal, 5, Vani Vilas Road, Basavanagudi, Bangalore - 560 004. Tel: +91-080-2643 8638 www.metlife.co.in IRDA Registration number: 117 IRDA Unique Identification Number for Met Protect is 117N065V01. Insurance is the subject matter of the solicitation. LD/2010-11/ EC189/339.

Met Protect- A Pure Protection Term Plan.Life is unpredictable, Death is certain. But occurrence of this unfortunate eventuality cannot be predicted. We want to give the best to our family in every sphere of life. However, we need to ensure that our best laid plans for our family are well secured, whether we are around or not. To protect your loved ones from the uncertainties of life should anything unfortunate happens to you, MetLife offers Met Protect, a pure protection plan, to guarantee financial security for your family. Furthermore, you can buy this plan online at your convenience!!

Buying Met Protect was never so easy...Simple steps to own this policy at your convenience:-

1Choose the amount of protection that you need

2Decide the duration of cover you need and choose the frequency of premium payment

4Flexibility to pay premium with your credit/debit card, MetLifes IVRS (Interactive Voice Response System) & cheque

3Fill the online proposal form

5Keep the documents ready for collection at your convenience and our representative will come at your doorstep to collect them

6You may be required to undergo certain medical tests as required by the company, at no extra cost of yours, for which our medical team will visit you at your availability

On successful acceptance of your proposal, we will issue and courier your Policy Documents

Key Features of Met Protect Buy this affordable, pure risk insurance plan online. Get rewarded with lower premiums for being a Non-Smoker*. Differential premiums for males and females. Avail of tax benefits under Section 80C^ on the premiums paid.

Eligibility Criteria for Met ProtectConditionsMinimum Age at Entry Maximum Age at Entry Max policy Expiry Age Minimum Sum Assured Maximum Sum Assured Policy Term Premium Payment Term Premium Payment Frequency

Eligibility18 Years 60 Years 70 Years Rs. 25 Lakhs No Limit Subject to Underwriting Regular Pay: 10 35 Years ; Single Pay : 10-15 Years Regular/Single Annual/Semi Annual/Single

*Who is a Non-Smoker?People who have not smoked or consumed tobacco or nicotine products in any form in the last 5 years (Tobacco product includes but not limited to cigarettes, bidis, cigars, chewable tobaccos like ghutka, flavored pan masala etc) and who have tested negative for the Cotinine Test. The special premium rates will be offered subject to satisfactory results of Cotinine Test besides other underwriting requirements as may be required by the company from time to time.

Please consult your tax advisor for advice on the availability of tax benefits for the premiums paid and proceeds received under the Policy.

Other Provisions Available Benets under your policyA) Death BenetIn the event of your unfortunate demise during the term of the Policy, your beneficiary will receive the Sum Assured provided the Policy is in force at the time of death.

A) Free Look PeriodYou have a period of 15 days from the date of receipt of the Policy Document to review the terms and conditions of this Policy. If you have any objections to any of the terms and conditions, you have the option to return the Policy stating the reasons for the objections and you shall be entitled to a refund of the premium paid subject only to a deduction of a proportionate premium for the period on cover and the expenses incurred on medical examination (if any) and the stamp duty charges.

B) Maturity BenetThis plan does not have any maturity benefit.

C) Paid-up & Surrender ValueThis Plan does not have any paid-up or surrender value

B) Grace PeriodIf premium is not paid on its due date a Grace Period of 30 (thirty) days will be allowed for payment of the premium without interest. During the Grace Period, the Policy shall continue to be in force for the Insured event. If the premium(s) is/are not paid within the Grace Period, the Policy will lapse and no benefits are payable under the Policy.

^Tax BenetsTax Benefits under this plan are available as per the provisions and conditions of the Income Tax Act 1961 and are subject to any changes made in the tax laws in future.

D) TerminationYour Policy will be terminated at the earliest for the following: On expiry of Policy term. At the expiry of three years from the date of lapsation, when the Policy has not been reinstated. The date of intimation of your unfortunate demise.

ExclusionsA) SuicideIn the event of your committing suicide, whether sane or insane at that time, within one year from the date of commencement of insurance cover or the issue date of the Policy or the date of the last reinstatement whichever is later, the insurance cover shall be void and we shall not be liable to pay any of the benefits available under the product including but not limited to the Sum Assured except refunding the premium(s) received without interest, if any, less stamp charges and expenses incurred on medical examination (if any).

C) ReinstatementWhen the premium is not paid within the grace period, the Policy shall lapse and no benefit will be payable. You may, however, reinstate the Policy provided, you: Request in writing for reinstatement within three (3) years from the date of the Policy lapsed. Provide satisfactory evidence of insurability to us and fill all such requirements which may be reasonably prescribed by us including the Cotinine Test as decided by the Company, at your cost. Pay all due premiums to date of reinstatement with compound interest at the rate prescribed by the Company at the time of reinstatement. Fulfill the reinstatement requirement as specified by the Company

The Company reserves the right to accept or accept with modified terms or decline the revival of a discontinued Policy. Further the Company reserves the right to impose such extra premium as it deems fit The revival of a lapsed Policy is also subject to payment of revival fee, which is Rs.500/- at present and subject to review in future with IRDA approval.

B) Travel, Residence and Occupation This Policy does not impose any restrictions on your residence or occupation except as otherwise provided by law. There would be no restrictions on travel except to areas notified by local governments for Travel Advisory risks.

GlossaryAbout MetLifeMetLife India Insurance Company Limited (MetLife) is an affiliate of MetLife, Inc. and was incorporated as a joint venture between MetLife International Holdings Inc., The Jammu and Kashmir Bank, M. Pallonji and Co. Private Limited and other private investors. MetLife is one of the fastest growing life insurance companies in the country. It serves its customers by offering a range of innovative products to individuals and group customers at more than 700 locations through its bank partners and company-owned offices. MetLife has more than 55,000 Financial Advisors, who help customers achieve peace of mind across the length and breadth of the country. For more information about MetLife, please visit the companys website at www.metlife.co.in MetLife, Inc., through its affiliates, reaches more than 70 million customers in the Americas, Asia Pacific and Europe. Affiliated companies, outside of India, include the number one life insurer in the United States (based on life insurance inforce), with over 140 years of experience and relationships with more than 90 of the top one hundred FORTUNE 5001 companies. The MetLife companies offer life insurance, annuities, automobile and home insurance, retail banking and other financial services to individuals, as well as group insurance, reinsurance and retirement and savings products and services to corporations and other institutions.1

Section 45 of the Insurance Act, 1938 states: No Policy of life insurance effected before the commencement of this Act shall after the expiry of two years from the date of commencement of this Act and no Policy of life insurance effected after the coming into force of this Act shall after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal for insurance or in any report of a medical officer, or referee, or friend of the Person Insured, or in any other document leading to the issue of the Policy, was inaccurate or false, unless the insurer shows that such a statement was on material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the Policy owner and that the owner knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose: Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and No Policy shall be deemed to be called in question merely because the terms of the Policy are adjusted on subsequent proof that the age of the Person Insured was incorrectly stated in the proposal. This product brochure is only indicative of terms, conditions, warranties and exceptions contained in the insurance Policy Please read this sales brochure carefully before concluding any sale Insurance is the subject matter of the solicitation

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Call us Toll Free: 1-800-425-6969

DisclaimerStatutory Warning:Section 41 of the Insurance Act, 1938 states: No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the Policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to Rs. 500.