CC 200 B

MetLife India Insurance Company Limited
Benefit Illustration - Met Smart Platinum

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
THE GROSS ANNUAL INVESTMENT RETURN OF 6% AND 10% ARE FOR ILLUSTRATION PURPOSE ONLY.THIS ILLUSTRATION WILL FORM PART OF THE POLICY
Your Personal Details
Your Fund details
Name of the Insured
Fund Options
Mr. VINOD
Age of the Insured

Date of Birth of the Insured
Gender of the Insured
40
Preserver II (ULIF00815/12/09PRESERVER2117)
21/May/1971
Protector II (ULIF00915/12/09PROTECTOR2117)
Male
Balancer II (ULIF01015/12/09BALANCER2F117)
Agency
Distribution channel
Allocation %
Flexi Cap (ULIF01315/12/09FLEXICAPFN117)
Your Personal Details
Virtue II (ULIF01215/12/09VIRTUE2FND117)
Application Number
Multiplier II (ULIF01115/12/09MULTIPLIE2117)
Application Date
Service tax rate
100
100%
Total
10.3 %
No
No
Automatic Rebalancing Option

Systematic Transfer Option
Your Plan Details
Name of the Plan/Rider
Sum Assured
Policy Term
Met Smart Platinum

(UIN:117L066V01)
900000
59
Premium Payment
Term
Annualised Premium
(Rs.)
Frequency of payment
60000
Quarterly
Modal Premium
(Rs.)
15000
Accidental Death Benefit Rider

(ADB) UIN -117A011V01
Critical Illness Rider (CI) UIN 117A012V01
15000
Total Premium with service tax
Some benefits are guaranteed and some benefits are variable with returns based on future performance of MetLife. If your policy offers guaranteed returns then these will be clearly marked
"guaranteed" in the illustration table.If your policy offers variable returns then the illustration on next page will show two different rates of assumed future investment returns. These assumed
rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future
investment performance
Notes to the benefit illustration in the following pages:
1. The Premium shown above in the "Premium" column indicates the amount payable under that mode and is provided for reference only.
2 The "Total charges" column includes all the deductions pertaining to Premium Allocation Charges, Policy Administration Charges, Mortality Charges, Rider charges
Management Charges (FMC) and Service tax. Service Tax at the applicable rate has been included with the charges shown in the Table
You can also write to us at IndiaService@metlife.com or call us Toll free at 1-800-425-6969 (9am - 6pm)
Our Regd Office: MetLife India Insurance Co. Ltd., Brigade Seshamahal, 5 Vani Vilas Road, Basavanagudi, Bangalore - 560004
IRDA Registration Number. 117
EC 99,
Fax +91-80-26521970.
Visit us at www.metlife.co.in
Insurance is the subject matter of the solicitation. LD/2011-12/279
Benefit Illustration Version No. - 4.0
for riders, Fund
3. For the purpose of partial withdrawal, any Top-Up Premium paid in the policy will have a lock-in-period of 5 years from the date of such Top-Up premium. Top-up Premium increases the
Sum Assured by 125% of the Top-up Premium. No Top-up Premiums are allowed during the last 5 years of the policy.
4. In case of any partial withdrawals being made, the death benefit would be adjusted as per the relevant provisions in the policy terms and conditions. However, this adjustment of death
benefit for partial withdrawals is not captured in this illustration.
5. Please read this benefit illustration in conjunction with the product brochure to understand all Charges, Terms, Conditions & Exclusions carefully before concluding the sale.
6.This illustration explains the benefits and features of the proposed policy and is not a contract or a representation of any guarantee or warranty
7. The gross annual investment return of 6% & 10% are for illustration purposes only. These are in accordance with the guidelines issued by the Life Insurance Council and in no way signify
our expectations of investment returns. For each of the unit linked funds, the actual investment return may be higher or lower than these rates and would be based on their actual performance.
8. 10% and 6% are the gross rates of annual investment returns. The fund values and other values have been calculated after adjusting for all the applicable charges.
9. Preserver II Fund, Protector II Fund, Balancer II Fund, Flexi Cap Fund, Virtue II Fund & Multiplier II Fund are the names of the different fund options and do not in any manner indicate the
quality of the fund, its future prospects and do not offer a guaranteed or assured returns unless specified.
10. The investments in the Unit Linked Funds are subject to investment risks associated with capital markets and the NAVs of the markets may go up or down based on the performance of
fund and factors influencing the capital market and the insured is responsible for his/her decision.
11. MetLife India Insurance Co. Ltd. is only the name of the Insurance Company and Met Smart Platinum
indicate the quality of the contract, its future prospects or returns.
is only the name of the unit linked life insurance contract and does not in any way
12. Service Tax and Education Cess are levied as per applicable tax laws from time to time and the same is subject to changes in the tax laws in
affected to that extent. The Service Tax column includes the Service Tax and Education Cess on all the applicable charges. The Fund Values shown
impact of Service Tax (inclusive of Education Cess). The Service Tax on Fund Management Charge will be deducted while calculating the Net Asset
valuation date and not by cancellation of units. In the event that in any given year, the number of units in the Unit Account is insufficient to enable the
Company reserves its right to recover such outstanding tax amount from the Unit Account in the following years. MetLife reserves the right to recover
authorities from the Policyholders fund value. The Service Tax on Fund Management Charge will be deducted while calculating the Net Asset Value of
date not by cancellation on units.
future and the policy proceeds would be

in the current illustration incorporates the
Value of the Unit Linked Funds at each
Company to recover the tax amount, the
any taxes imposed by any governmental
the Unit Linked Funds at each valuation
13. Neither MetLife India Insurance Co. Ltd nor any of its Advisor/ Financial Planning Consultants are authorised to offer any taxation related advice. The tax benefits under various sections
shall be available as per the prevailing tax regulations and the same is subject to changes in the tax laws in future. Please consult your tax advisor for more details.
EC 99,
Fax +91-80-26521970.
Illustrated @ 10% Gross rate of Return
Gross Yield
Net Yield
PolicyYearEnd
Top -up
Premiums
(Rs.)
Total Annualized
Regular Premium
(Rs.)
Allocated
Premium
Premium
Allocation
Charge
Policy Administration
Charge
Mortality
Charge
Rider
Charge
Total charges( with

Service Tax)
Fund Before
FMC
FMC
Fund at End
Partial
Withdrawals
10%
8.33%
Surrender Value
Death Benefit
Commission
60,000
3,640
56,360
529
2,051
0.00
6,705
56,687
484
56,621
900,000
3,600.00
60,000
3,640
56,360
529
2,074
0.00
7,546
118,162
1,302
118,026
900,000
1,200.00
60,000
3,640
56,360
529
2,056
0.00
8,415
184,876
2,190
184,663
900,000
1,200.00
2,018
0.00
9,340
60,000
3,640
56,360
529
257,294
3,153
256,998
900,000
1,200.00
60,000
3,640
56,360
529
1,960
0.00
10,329
335,921
4,199
335,534
900,000
1,200.00
529
1,996
0.00
7,356
361,797
4,830
361,381
361,381
900,000
0.00
529
2,105
0.00
7,837
389,758
5,203
389,309
389,309
900,000
0.00
529
2,209
0.00
8,345
419,982
5,606
419,499
419,499
900,000
0.00
529
2,302
0.00
8,873
452,675
6,042
452,154
452,154
900,000
0.00
10
529
2,373
0.00
9,416
488,069
6,513
487,508
487,508
900,000
0.00
2,412
0.00
11
529
9,965
526,429
7,024
525,823
525,823
900,000
0.00
12
529
2,404
0.00
10,511
568,052
7,578
567,399
567,399
900,000
0.00
13
529
2,335
0.00
11,044
613,282
8,179
612,576
612,576
900,000
0.00
14
529
2,188
0.00
11,551
662,505
8,833
661,742
661,742
900,000
0.00
15
529
1,943
0.00
12,018
716,163
9,546
715,339
715,339
900,000
0.00
16
529
1,576
0.00
12,428
774,761
10,323
773,869
773,869
900,000
0.00
1,059
0.00
12,761
17
529
838,874
11,173
837,908
837,908
900,000
0.00
18
529
361
0.00
12,994
909,160
12,104
908,114
908,114
908,114
0.00
19
529
0.00
13,652
985,797
13,123
984,663
984,663
984,663
0.00
20
529
0.00
14,758
1,068,941
14,229
1,067,711
1,067,711
1,067,711
0.00
21
529
0.00
15,959
1,159,144
15,429
1,157,810
1,157,810
1,157,810
0.00
22
529
0.00
17,261
1,257,006
16,732
1,255,559
1,255,559
1,255,559
0.00
23
529
0.00
18,674
1,363,176
18,145
1,361,607
1,361,607
1,361,607
0.00
0.00
20,207
24
529
1,478,361
19,678
1,476,659
1,476,659
1,476,659
0.00
25
529
0.00
21,870
1,603,325
21,341
1,601,480
1,601,480
1,601,480
0.00
26
529
0.00
23,674
1,738,899
23,145
1,736,898
1,736,898
1,736,898
0.00
27
529
0.00
25,632
1,885,984
25,102
1,883,814
1,883,814
1,883,814
0.00
28
529
0.00
27,756
2,045,557
27,226
2,043,203
2,043,203
2,043,203
0.00
29
529
0.00
30,059
2,218,679
29,530
2,216,125
2,216,125
2,216,125
0.00
30
529
0.00
32,559
2,406,499
32,030
2,403,729
2,403,729
2,403,729
0.00
0.00
31
529
35,271
2,610,265
34,741
2,607,261
2,607,261
2,607,261
0.00
32
529
0.00
38,213
2,831,333
37,683
2,828,074
2,828,074
2,828,074
0.00
33
529
0.00
41,405
3,071,169
40,875
3,067,635
3,067,635
3,067,635
0.00
34
529
0.00
44,867
3,331,369
44,338
3,327,535
3,327,535
3,327,535
0.00
35
529
0.00
48,624
3,613,661
48,095
3,609,502
3,609,502
3,609,502
0.00
36
529
0.00
52,700
3,919,920
52,171
3,915,409
3,915,409
3,915,409
0.00
529
0.00
57,122
4,252,182
56,592
4,247,288
4,247,288
4,247,288
0.00
529
0.00
61,919
4,612,655
61,390
4,607,346
4,607,346
4,607,346
0.00
37
38
EC 99,
Fax +91-80-26521970.
39
529
0.00
67,124
5,003,732
66,594
4,997,973
4,997,973
4,997,973
0.00
40
529
0.00
72,770
5,428,014
72,241
5,421,767
5,421,767
5,421,767
0.00
41
529
0.00
78,896
5,888,319
78,367
5,881,542
5,881,542
5,881,542
0.00
42
529
0.00
85,542
6,387,705
85,012
6,380,353
6,380,353
6,380,353
0.00
43
529
0.00
92,752
6,929,491
92,223
6,921,516
6,921,516
6,921,516
0.00
44
529
0.00
100,575
7,517,277
100,045
7,508,626
7,508,626
7,508,626
0.00
0.00
109,061
45
529
8,154,968
108,532
8,145,583
8,145,583
8,145,583
0.00
46
529
0.00
118,268
8,846,802
117,739
8,836,620
8,836,620
8,836,620
0.00
47
529
0.00
128,257
9,597,375
127,728
9,586,329
9,586,329
9,586,329
0.00
48
529
0.00
139,094
10,411,674
138,564
10,399,691
10,399,691
10,399,691
0.00
49
529
0.00
150,851
11,295,111
150,321
11,282,111
11,282,111
11,282,111
0.00
50
529
0.00
163,606
12,253,554
163,077
12,239,451
12,239,451
12,239,451
0.00
51
529
0.00
177,444
13,293,373
176,915
13,278,074
13,278,074
13,278,074
0.00
0.00
14,404,879
14,404,879
52
529
192,457
14,421,477
191,928
14,404,879
0.00
53
529
0.00
208,745
15,645,360
208,216
15,627,354
15,627,354
15,627,354
0.00
54
529
0.00
226,416
16,973,156
225,886
16,953,622
16,953,622
16,953,622
0.00
55
529
0.00
245,587
18,413,688
245,057
18,392,495
18,392,495
18,392,495
0.00
56
529
0.00
266,385
19,976,525
265,856
19,953,534
19,953,534
19,953,534
0.00
57
529
0.00
288,950
21,672,054
288,420
21,647,111
21,647,111
21,647,111
0.00
0.00
313,430
23,511,539
312,901
23,484,479
23,484,479
23,484,479
0.00
25,507,203
339,460
25,477,847
25,477,847
25,477,847
4,300,958
58
529
59
529
0.00
339,989
300,000
18,200
281,800
31,237
35,422
0.00
4,385,816
The net yield excluding all risk charges (mortality, rider charges (if any) & service tax is estimated assuming a gross return of 10% p.a.
EC 99,
Fax +91-80-26521970.
0.00
8,400.00
Illustrated @ 6% Gross rate of Return
6%
Gross Yield
4.36%
Net Yield
Policy Year End
Top -up
Premiums
(Rs.)
Total Annualized
Regular Premium
(Rs.)
Allocated
Premium
Premium
Allocation
Charge
Policy Administration
Charge
Mortality
Charge
Rider
Charge
Total charges( with

Service Tax)
Fund Before
FMC
FMC
Partial
Withdrawals
Fund at End
Surrender Value
Death Benefit
Commission
60,000
3,640
56,360
529
2,053
0.00
6,698
55,370
476
55,307
900,000
3,600.00
60,000
3,640
56,360
529
2,082
0.00
7,510
113,228
1,260
113,098
900,000
1,200.00
0.00
8,324
60,000
3,640
56,360
529
2,077
173,720
2,078
173,520
900,000
1,200.00
60,000
3,640
56,360
529
2,063
0.00
9,167
236,975
2,934
236,703
900,000
1,200.00
60,000
3,640
56,360
529
2,045
0.00
10,043
303,125
3,829
302,776
900,000
1,200.00
529
2,139
0.00
6,937
314,166
4,268
313,804
313,804
900,000
0.00
529
2,325
0.00
7,277
325,518
4,423
325,144
325,144
900,000
0.00
529
2,532
0.00
7,643
337,174
4,582
336,786
336,786
900,000
0.00
529
2,757
0.00
8,032
349,129
4,745
348,727
348,727
900,000
0.00
0.00
8,441
10
529
2,999
361,379
4,913
360,963
360,963
900,000
0.00
11
529
3,254
0.00
8,868
373,923
5,084
373,493
373,493
900,000
0.00
12
529
3,521
0.00
9,310
386,764
5,260
386,319
386,319
900,000
0.00
13
529
3,797
0.00
9,765
399,906
5,439
399,446
399,446
900,000
0.00
14
529
4,078
0.00
10,231
413,356
5,623
412,880
412,880
900,000
0.00
15
529
4,363
0.00
10,703
427,126
5,811
426,634
426,634
900,000
0.00
16
529
4,647
0.00
11,180
441,230
6,004
440,722
440,722
900,000
0.00
0.00
455,165
17
529
4,926
11,656
455,689
6,201
455,165
900,000
0.00
18
529
5,151
0.00
12,085
470,575
6,404
470,033
470,033
900,000
0.00
19
529
5,361
0.00
12,503
485,922
6,613
485,362
485,362
900,000
0.00
20
529
5,624
0.00
12,982
501,696
6,828
501,118
501,118
900,000
0.00
21
529
5,931
0.00
13,510
517,872
7,049
517,276
517,276
900,000
0.00
22
529
6,270
0.00
14,074
534,436
7,275
533,821
533,821
900,000
0.00
0.00
14,664
23
529
6,627
551,386
7,507
550,752
550,752
900,000
0.00
24
529
6,991
0.00
15,265
568,733
7,744
568,079
568,079
900,000
0.00
25
529
7,348
0.00
15,864
586,503
7,986
585,828
585,828
900,000
0.00
26
529
7,480
0.00
16,246
604,945
8,237
604,249
604,249
900,000
0.00
27
529
7,656
0.00
16,681
624,044
8,496
623,326
623,326
900,000
0.00
28
529
8,043
0.00
17,336
643,615
8,763
642,874
642,874
900,000
0.00
29
529
8,373
0.00
17,940
663,736
9,038
662,972
662,972
900,000
0.00
0.00
18,473
30
529
8,623
684,515
9,320
683,727
683,727
900,000
0.00
31
529
8,764
0.00
18,906
706,093
9,613
705,280
705,280
900,000
0.00
32
529
8,757
0.00
19,205
728,658
9,918
727,820
727,820
900,000
0.00
33
529
8,554
0.00
19,323
752,456
10,239
751,590
751,590
900,000
0.00
34
529
8,091
0.00
19,200
777,810
10,579
776,915
776,915
900,000
0.00
35
529
7,284
0.00
18,757
805,143
10,943
804,217
804,217
900,000
0.00
36
529
6,019
0.00
17,888
835,015
11,339
834,054
834,054
900,000
0.00
529
4,144
0.00
11,776
867,166
867,166
900,000
0.00
37
16,449
868,165
EC 99,
Fax +91-80-26521970.
38
529
1,459
0.00
14,253
905,573
12,264
904,531
904,531
904,531
0.00
39
529
0.00
13,338
946,191
12,809
945,102
945,102
945,102
0.00
40
529
0.00
13,913
988,655
13,383
987,517
987,517
987,517
0.00
41
529
0.00
14,514
1,033,049
13,984
1,031,860
1,031,860
1,031,860
0.00
42
529
0.00
15,142
1,079,461
14,612
1,078,219
1,078,219
1,078,219
0.00
43
529
0.00
15,798
1,127,982
15,269
1,126,684
1,126,684
1,126,684
0.00
0.00
16,485
44
529
1,178,709
15,955
1,177,353
1,177,353
1,177,353
0.00
45
529
0.00
17,203
1,231,742
16,673
1,230,324
1,230,324
1,230,324
0.00
46
529
0.00
17,953
1,287,185
17,423
1,285,703
1,285,703
1,285,703
0.00
47
529
0.00
18,737
1,345,148
18,208
1,343,600
1,343,600
1,343,600
0.00
48
529
0.00
19,557
1,405,746
19,028
1,404,128
1,404,128
1,404,128
0.00
49
529
0.00
20,415
1,469,098
19,885
1,467,407
1,467,407
1,467,407
0.00
50
529
0.00
21,311
1,535,329
20,782
1,533,562
1,533,562
1,533,562
0.00
0.00
1,602,724
51
529
22,248
1,604,571
21,719
1,602,724
1,602,724
0.00
52
529
0.00
23,228
1,676,960
22,698
1,675,030
1,675,030
1,675,030
0.00
53
529
0.00
24,252
1,752,640
23,723
1,750,622
1,750,622
1,750,622
0.00
54
529
0.00
25,323
1,831,759
24,793
1,829,651
1,829,651
1,829,651
0.00
55
529
0.00
26,442
1,914,474
25,913
1,912,271
1,912,271
1,912,271
0.00
56
529
0.00
27,613
2,000,949
27,083
1,998,646
1,998,646
1,998,646
0.00
0.00
28,836
57
529
2,091,355
28,307
2,088,948
2,088,948
2,088,948
0.00
58
529
0.00
30,115
2,185,870
29,586
2,183,354
2,183,354
2,183,354
0.00
59
529
0.00
31,452
2,284,680
30,923
2,282,051
2,282,051
2,282,051
300,000
18,200
281,800
31,237
194,208
0.00
937,263
693,618
The net yield excluding all risk charges (mortality, rider charges (if any) & service tax is estimated assuming a gross return of 6% p.a.
EC 99,
Fax +91-80-26521970.
0.00
8,400.00
Policyholders/ Prospects Declaration
I ______________________________________have been taken through the illustration for Met Smart Platinum. The Financial Advisor has explained to me the premiums payable,
applicable charges and benefits under the product. I having received the information with respect to the above have fully understood the above statement before entering into the
contract.
I understand that investment in this product is subject to market risks and the actual rate of return may be higher or lower than what has been illustrated, and are ignoring any current and
future tax laws that could impact these figures. I also understand that this illustration is an example in nature and as such does not indicate maximum or minimum returns.
Signature of the Policyholder/ Prospect ______________________
Date: ____________
Place: _________________
For MetLife India Insurance Company Limited,
I certify that this illustration has been fully explained to the Policyholder / Prospect, including the non-guaranteed elements. Further, I have also explained to the Policyholder / Prospect
that the actual returns/benefits under the product may be different from what has been illustrated.
Signature of the FA(Agency)/FPC (Referral Partner)/SP (CA/Micro Insurance Agent)/Authorized Person(Broker): _____________________________________________________
Date of Signature: ______________
Name of FA(Agency)/FPC (Referral Partner)/SP (CA/Micro Insurance Agent)/Authorized Person(Broker): ___________________________________________________________
Code of FA(Agency)/FPC (Referral Partner)/SP (CA/Micro Insurance Agent)/Authorized Person(Broker): ____________________________________
Seal/Stamp of CA/Broker/ Micro Insurance Agent: _________________________________________
EC 99,
Fax +91-80-26521970.
Glossary of Policy Charges
Premium Allocation Charges
These charges are deducted upfront from the premium paid by you. These charges account for the initial expenses
incurred by the company in issuing the policy- eg. Cost of underwriting, medicals & expenses related to distributor
fees. After these charges are deducted the money gets invested in the fund chosen by you.
Mortality Charges
Mortality expenses are charged by us for providing life cover you and are charged as per your age on the Sum-at
-Risk. Mortality charges are deducted on a monthly basis by deducting units from your fund account
Rider Charges
Rider Charges are charged for provide the Rider Coverage as defined under the policy. The Rider Charges vary with
the age . Rider charges are levied on a monthly basis by deducting units from your fund account
Fund Management Charges
Policy Administration Charges
These charges are levied to manage the funds chosen by you. The FMC varies from fund to fund depending on the
underlying assets in the fund. Usually a fund with higher equity component will have a higher FMC. These charges
are levied daily by adjusting Net Asset Value (NAV) of your Fund.
These charges are deducted on a monthly basis to recover the expenses incurred by the insurer for servicing and
maintaining the life insurance policy like paperwork , work force etc. These charges are levied by deducting units
from your fund account
EC 99,
Fax +91-80-26521970.

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MetLife India Insurance Company Limited

Benefit Illustration - Met Smart Platinum

Your Fund details

Name of the Insured

Age of the Insured

Flexi Cap (ULIF01315/12/09FLEXICAPFN117)

Your Personal Details

Automatic Rebalancing Option

Met Smart Platinum

Accidental Death Benefit Rider

for riders, Fund

future and the policy proceeds would be

Illustrated @ 10% Gross rate of Return

Total charges( with

Illustrated @ 6% Gross rate of Return

Total charges( with

Policyholders/ Prospects Declaration

For MetLife India Insurance Company Limited,

Date of Signature: ______________

Name of FA(Agency)/FPC (Referral Partner)/SP (CA/Micro Insurance Agent)/Authorized Person(Broker): ___________________________________________________________

Code of FA(Agency)/FPC (Referral Partner)/SP (CA/Micro Insurance Agent)/Authorized Person(Broker): ____________________________________

Seal/Stamp of CA/Broker/ Micro Insurance Agent: _________________________________________

Glossary of Policy Charges

Premium Allocation Charges

Fund Management Charges

Policy Administration Charges

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