PNB MetLife Goal Enhancer Multiplier (GEM) Plan: Good or Bad? An Insightful ULIP Review

Q: What are the plan options under the PNB MetLife Goal Enhancer Multiplier (GEM)?

Wealth - A simple wealth creation tool with life cover Wealth + Care - A wealth creation tool with life cover that also provides health cover/financial protection from 5 listed Critical Illnesses Goal Assured - Achieve your goals even if you are not there to see them live Income Assured - Make certain your family does not need to make any sacrifices, even if you are not there Smart Child Option - Ensure your child’s dreams with our specially curated Smart Child Option

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Can the PNB MetLife Goal Enhancer Multiplier (GEM) plan ensure your financial aspirations grow exponentially over time?

Can the PNB MetLife Goal Enhancer Multiplier (GEM) plan safeguard your financial goals and also multiply your wealth?

Can the PNB MetLife Goal Enhancer Multiplier (GEM) plan enhance and multiply your financial security?

In this review, we’ll explore the features, benefits, drawbacks, and associated costs of the GEM plan. Additionally, we’ll conduct an Internal Rate of Return (IRR) analysis to estimate potential returns, enabling a comparison with other investment options.

What is the PNB MetLife Goal Enhancer Multiplier (GEM)?

PNB MetLife Goal Enhancer Multiplier (GEM) is an Individual, Unit-Linked, Non-Participating, Life Insurance Plan. PNB MetLife Goal Enhancer Multiplier (GEM) provides you with life insurance cover and helps you to invest systematically thereby creating long-term wealth to fulfil your dreams.

What are the features of the PNB MetLife Goal Enhancer Multiplier (GEM)?

Choose from five plan options to find the one that best meets your needs.
Enjoy flexible premium payment options, available for all plans except the Wealth option.
Customize your PNB MetLife Goal Enhancer Multiplier (GEM) plan by selecting from three fund management strategies and 15 fund options.
Certain charges, including fund management, premium allocation, and mortality charges, are refunded after completing specific policy years.
Boost your fund value with fund boosters provided at certain intervals.
Benefit from a premium waiver option in case of critical illness or death.

What are the plan options under the PNB MetLife Goal Enhancer Multiplier (GEM)?

Wealth – A simple wealth creation tool with life cover
Wealth + Care – A wealth creation tool with life cover that also provides health cover/financial protection from 5 listed Critical Illnesses
Goal Assured – Achieve your goals even if you are not there to see them live
Income Assured – Make certain your family does not need to make any sacrifices, even if you are not there
Smart Child Option – Ensure your child’s dreams with our specially curated Smart Child Option

Who is eligible for the PNB MetLife Goal Enhancer Multiplier (GEM)?

Parameters	Wealth	Smart Child	Wealth + Care	Goal Assured	Income Assured
Minimum Entry Age	30 days	LA – 0 (30 Days) Policyholder/ Proposer – 18	18 years
Maximum Entry Age	Single Life: 60 Joint Life: 55 (Both lives)	La – 25 years	60 years	45 years
Minimum Policy term	Single Life: Other than Whole Life: 10 Whole Life: 39 Joint Life: 10	10 years
Maximum Policy term	Single Life: Other than Whole Life: 30 Whole Life: 99 Joint Life: 10	25 years			20 years
Maximum Maturity Age	Single Life: Other than Whole Life: 90 Whole Life: 99 Joint Life: 65	LA: 50 years Proposer – 85 years	85 years	70 years	65 years
Premium paying Term	Single Life: Other than Whole Life: Single Pay, Regular Pay, 5 Pay, 7 Pay, 10 Pay Whole Life: Regular Pay, 7 Pay, 10 Pay Joint Life: Single Pay	Regular Pay, 5 Pay, 7 Pay, 10 Pay
Minimum Premium	Single Pay: Rs 1,00,000 Minimum Annualized Premium: Rs 18,000
Maximum Premium	No Limit

What are the benefits of the PNB MetLife Goal Enhancer Multiplier (GEM)?

1.) Death benefit

The benefit payable on the death of the Life Assured shall be the highest of the following amounts:

The Fund Value as on the date of intimation of death.
The Sum Assured after deducting any Partial Withdrawals and/or payouts under Smart Withdrawal Facility (SWF) made during the two-year period immediately preceding the date of death.
105% of the total Premiums received less any partial withdrawals and/or payouts under Smart Withdrawal Facility (SWF) made during the two-year period immediately preceding the date of death.

Plus, the highest of the following amounts

Top-up Fund Value as of the date of intimation of death
Top-up Sum Assured
105% of the total Top-up premiums paid up to the date of death

2.) Waiver of Premium

Waiver of Premium on Death

In case of death within the Premium Paying Term for an In Force Policy, any future Instalment Premiums that would otherwise have been payable under the PNB MetLife Goal Enhancer Multiplier (GEM) Policy shall be waived.

Waiver of Premium on Critical Illness

In case of diagnosis of any one of the five Critical Illnesses, any future Instalment Premiums that would otherwise have been payable under the PNB MetLife Goal Enhancer Multiplier (GEM) Policy shall be waived.

3.) Maturity Benefit

The Maturity benefit is the amount payable to the PNB MetLife Goal Enhancer Multiplier (GEM) Policyholder or the Nominee(s) on the maturity of this policy at the expiry of the Policy Term.

The Maturity benefit is equal to the Total Fund Value (including top-up fund value) in the Unit Account determined using the Net Asset Value on the Maturity Date.

What are the Investment Strategies and Fund Options in PNB MetLife Goal Enhancer Multiplier (GEM)?

PNB MetLife GEM gives you the choice of three fund management strategies to choose from as per your risk appetite & convenience. You need to select any one from the following fund management strategies.

i.) Self-managed strategy

This option gives you access to the suite of 15 funds, complete control over how to invest your premiums and full freedom to switch from one fund to another at any point in time. The funds offer a choice of debt or equity orientation to suit your specific needs and risk profile.

		Asset Category
S. No	Fund Name	Equities	Debt	Money Market	Risk Profile
1	Mid-cap fund	60-100%	0	0-40%	Very High Risk
2	Premier Multi cap fund	60-100%	0	0-40%	Very High Risk
3	Virtue II fund	60-100%	0	0-40%	Very High Risk
4	Crest (Thematic Fund)	60-100%	0	0-40%	Very High Risk
5	Flexi cap fund	60-100%	0	0-40%	Very High Risk
6	Multiplier III	60-100%	0	0-40%	Very High Risk
7	Sustainable Equity fund	60-100%	0	0-40%	Very High Risk
8	India Opportunities fund	60-100%	0	0-40%	Very High Risk
9	Balanced opportunities fund	40-75%	25-60%	0-35%	Medium Risk
10	Balancer II fund	0-60%	Govt & debt Securities -0-60%	0-40%	Medium Risk
11	Protector II fund	0	Govt & debt Securities -0-60%	0-40%	Low Risk
12	Bond opportunities fund	0	80-100%	0-20%	Low Risk
13	Liquid fund	0	0	100%	Low Risk
14	Small cap fund	60-100%	0	0-40%	Very High Risk
15	Bharat Manufacturing fund	60-100%	0	0-40%	Very High Risk

ii.) Systematic transfer strategy

The Systematic Transfer Strategy helps safeguard your wealth against market volatility and is available only if you have opted for a Regular Pay or Limited Pay policy with annual frequency as the premium payment mode.

This strategy ensures a gradual exposure to equity from debt in a phased manner through equal instalments over 12 months. All instalment premiums will be invested in the Protector II Fund (debt-oriented fund).

This amount will be systematically transferred to the Premier Multi-cap Fund (equity-oriented fund) over the 12-month Policy period.

iii.) Life stage strategy

At policy inception, your premium, net of allocation charge is distributed between two funds, Premier Multi-cap Fund (equity-oriented fund) and Protector II Fund (debt-oriented fund), based on your attained age.

As you move from one age band to another, your funds are re-distributed based on your age. The age-wise portfolio distribution is shown in the table.

AGE OF POLICYHOLDER (YEARS)	PREMIER MULTI-CAP FUND	PROTECTOR II FUND
Up to 30	70%	30%
31 – 40	60%	40%
41 – 50	50%	50%
51 – 60	40%	60%
61 – 70	20%	80%
71+	10%	90%

What are the Charges for the PNB MetLife Goal Enhancer Multiplier (GEM)?

A. Mortality charges

Mortality charge will be based on the Plan Option, attained the age of the Life Insured, Rate as per the Mortality Charge Table, and the applicable Sum at Risk.

AGE (YRS)	30	40	50	60
MALE	1.1724	2.016	5.3232	13.3944
FEMALE	1.1208	1.6296	3.8016	10.71

B. Morbidity charges (Wealth + care option only)

The morbidity charge will be based on the attained age of the Life Insured, the Morbidity Rate and the applicable Sum at Risk.

C. Partial Withdrawal charge

Partial Withdrawals including any payouts under the Smart Withdrawal Facility (SWF) are free of any charge.

D. Premium Allocation charge

These are expressed as a percentage of the premium and are levied through the first 9 years only.

E. Policy administration charges

Single Premium Policies: 0.70% p.a. of the Single premium across the PNB MetLife Goal Enhancer Multiplier (GEM) policy term

Other than Single Premium Policies: 1.4% p.a. of the Annualized Premium, inflating at 5% to a maximum of 2.2% p.a.

F. Fund management charge

S No	Fund Name	Charge per annum
1	Protector II fund	1.00%
2	Bond opportunities fund	1.00%
3	Liquid fund	1.00%
4	Balancer II fund	1.15%
5	Balanced opportunities fund	1.15%
6	Multiplier III	1.25%
7	Premier Multi cap fund	1.25%
8	Mid-cap fund	1.25%
9	Crest (Thematic Fund)	1.25%
10	Flexi cap fund	1.25%
11	Virtue II fund	1.25%
12	India Opportunities fund	1.35%
13	Sustainable Equity fund	1.35%
14	Small cap fund	1.25%
15	Bharat Manufacturing fund	1.25%
	Discontinued Fund	0.50%

G. Discontinuance charges

The Discontinuance Charges are expressed either as a percentage of the fund value (FV) or as a percentage of the annualized premium (AP) or Single Premium. It depends on the premium amount, year of discontinuance and premium paying term.

H. Switching charges

You can make unlimited switches in a Policy Year free of any charge.

Inference from the charges: While the plan does refund some charges at different intervals, these charges are relatively high compared to other market-linked investments.

Premium allocation charges, policy administration fees, and discontinuance charges serve as overhead costs for investors, which can significantly diminish your long-term returns.

Grace Period, Discontinuance and Revival of PNB MetLife Goal Enhancer Multiplier (GEM)

Grace period

A grace period of 30 days (15 days for monthly mode) from the due date of unpaid Premium will be allowed to pay all your due Premiums.

Discontinuance

For other than single-pay policies

In case of discontinuance of policy during the lock-in period: the PNB MetLife Goal Enhancer Multiplier (GEM) policy will move to the Discontinued Status. The Fund Value as of the date of discontinuance shall be transferred to the Discontinued Policy Fund after deducting the applicable discontinuance charge and all risk cover(s) under the Policy, shall cease.

At the end of the lock-in period, the proceeds of the discontinuance fund shall be paid to the policyholder and the policy shall terminate.

In case of discontinuance of policy after the lock-in period: the PNB MetLife Goal Enhancer Multiplier (GEM) policy shall attain reduced Paid-up Status with reduced Paid-up Sum Assured.

The Paid-up sum assured is given the original sum assured multiplied by the total number of premiums paid to the original number of premiums payable as per the terms and conditions of the policy.

For single-pay policies

In case of surrender during the first five policy years (lock-in period), the Total Fund Value under the said Policy, after the deduction of Discontinuance Charges, will be transferred to the Discontinued Policy Fund.

The proceeds from the discontinuance fund shall be paid at the end of the lock-in period.

In case of surrender after the first five policy years (lock-in period), the policyholder has the option to surrender the policy at any time. Upon receipt of a request for surrender after the first five years, the fund value as of the date of surrender shall be payable

Revival

The PNB MetLife Goal Enhancer Multiplier (GEM) Policyholder has the option to revive the policy, within a revival period of three years from the date of discontinuance of the policy.

Free Look period for PNB MetLife Goal Enhancer Multiplier (GEM)

If You have any objections to the terms and conditions of Your PNB MetLife Goal Enhancer Multiplier (GEM) Policy, you may cancel the policy within 30 days from the date of receipt of the Policy Document, whether received electronically or otherwise.

Surrendering PNB MetLife Goal Enhancer Multiplier (GEM)

During the first five policy years, on receipt of surrender intimation, the Fund Value after deduction of applicable Discontinuance Charge, shall be transferred to the Discontinued Policy Fund.

The proceeds of the discontinued policy shall be paid at the end of the lock-in period. Only fund management charges will be deducted from this fund during this period.

After Completion of the first five years, on receipt of surrender intimation, you will be entitled to the total Fund Value under the PNB MetLife Goal Enhancer Multiplier (GEM) policy.

What are the advantages of PNB MetLife Goal Enhancer Multiplier (GEM)?

You have the flexibility to increase or decrease your Sum Assured as needed.
For Regular Pay and Limited Pay policies (except for the 5-pay option), you can request a change in the Premium Paying Term after the first 5 policy years.
You can opt to reduce the instalment premium under the PNB MetLife Goal Enhancer Multiplier (GEM) policy after the first five policy years.
The premium redirection option allows you to change the allocation of future premiums at no additional cost.
You can switch partially or fully between available segregated fund options.
Partial withdrawals are permitted only after the Lock-in Period (5 policy anniversaries) has ended, or when the Life Assured turns 18, whichever occurs later.
Under the Wealth option, you can utilize the Smart Withdrawal Facility (SWF) to set up automatic withdrawals of 1-12% of your fund value at your chosen frequency.
During the PNB MetLife Goal Enhancer Multiplier (GEM) policy term, you have the option to remit a top-up premium.

What are the disadvantages of PNB MetLife Goal Enhancer Multiplier (GEM)?

Policy loans are not permitted under this plan.
The PNB MetLife Goal Enhancer Multiplier (GEM) policy has a lock-in period of five years.
Only the net premium, after deducting charges, is invested.
The life cover provided is insufficient.

Research Methodology of PNB MetLife Goal Enhancer Multiplier (GEM)

This section evaluates the investment aspect of PNB MetLife’s Goal Enhancer Multiplier (GEM). Calculating the potential returns helps you assess the investment’s performance and compare it with other options.

The following Internal Rate of Return (IRR) analysis is based on the figures provided in the policy brochure.

Benefit Illustration – IRR Analysis of PNB MetLife Goal Enhancer Multiplier (GEM)

A 40-year-old male chooses the PNB MetLife Goal Enhancer Multiplier (GEM) with a sum assured of ₹10 Lakhs. The policy term and premium paying term are both 20 years, with an annual premium of ₹1 Lakh. He selects Plan Option 1: Wealth.

Male	40 years
Sum Assured	₹ 10,00,000
Policy Term	20 years
Premium Paying Term	20 years
Annualised Premium	₹ 1,00,000

Under the Wealth option, the fund value is available at the end of the policy term, assuming regular premium payments. The policy brochure illustrates potential returns based on assumed investment rates of 4% and 8%.

These are not guaranteed returns and do not represent the upper or lower limits of what you might earn with this policy. The maturity benefit depends on several factors, including the policy’s future performance.

		At 4% p.a.		At 8% p.a.
Age	Year	Annualised premium / Maturity benefit	Death benefit	Annualised premium / Maturity benefit	Death benefit
40	1	-1,00,000	10,00,000	-1,00,000	10,00,000
41	2	-1,00,000	10,00,000	-1,00,000	10,00,000
42	3	-1,00,000	10,00,000	-1,00,000	10,00,000
43	4	-1,00,000	10,00,000	-1,00,000	10,00,000
44	5	-1,00,000	10,00,000	-1,00,000	10,00,000
45	6	-1,00,000	10,00,000	-1,00,000	10,00,000
46	7	-1,00,000	10,00,000	-1,00,000	10,00,000
47	8	-1,00,000	10,00,000	-1,00,000	10,00,000
48	9	-1,00,000	10,00,000	-1,00,000	10,00,000
49	10	-1,00,000	10,00,000	-1,00,000	10,00,000
50	11	-1,00,000	10,00,000	-1,00,000	10,00,000
51	12	-1,00,000	10,00,000	-1,00,000	10,00,000
52	13	-1,00,000	10,00,000	-1,00,000	10,00,000
53	14	-1,00,000	10,00,000	-1,00,000	10,00,000
54	15	-1,00,000	10,00,000	-1,00,000	10,00,000
55	16	-1,00,000	10,00,000	-1,00,000	10,00,000
56	17	-1,00,000	10,00,000	-1,00,000	10,00,000
57	18	-1,00,000	10,00,000	-1,00,000	10,00,000
58	19	-1,00,000	10,00,000	-1,00,000	10,00,000
59	20	-1,00,000	10,00,000	-1,00,000	10,00,000
60		26,60,846	10,00,000	41,25,926	10,00,000

	IRR	2.65%		6.48%

At a 4% return, the fund value is ₹26.60 lakhs, yielding an IRR of 2.65%, which is lower than the interest rate offered by a savings account.

With an 8% return, the fund value reaches ₹41.25 lakhs, yielding an IRR of 6.48% as per the PNB MetLife Goal Enhancer Multiplier (GEM) plan maturity calculator, which is comparable to or sometimes less than a bank’s fixed deposit interest rate.

While PNB MetLife’s Goal Enhancer Multiplier is designed as a long-term investment to outpace inflation, the returns are significantly lower, hindering wealth accumulation. As a result, the corpus accumulated through the GEM plan may not be sufficient to meet your financial goals.

PNB MetLife Goal Enhancer Multiplier (GEM) Vs. Other investments

The PNB MetLife Goal Enhancer Multiplier Plan faces challenges in terms of its suitability due to its inability to deliver inflation-beating returns and its inadequate sum assured.

High charges and the combination of insurance and investment within the same product further contribute to its subpar returns. To better understand this, let’s explore an alternative approach where the same premium is split between life insurance and investment.

PNB MetLife Goal Enhancer Multiplier (GEM) Vs. Pure-term + PPF / ELSS

Consider purchasing a pure term life insurance policy with a sum assured of ₹10 lakhs, which costs ₹7,800 annually. The policy term and premium payment period are both 20 years.

After paying the premium, you’re left with ₹92,200 for investment, which can be allocated based on your risk tolerance.

Pure Term Life Insurance Policy
Sum Assured	₹ 10,00,000
Policy Term	20 years
Premium Paying Term	20 years
Annualised Premium	₹ 7,800
Investment	₹ 92,200

Low-risk investors might choose debt instruments like the Public Provident Fund (PPF), while high-risk investors might prefer equity instruments such as Equity-Linked Savings Schemes (ELSS) funds. Let’s examine both scenarios to see how each asset class performs.

		Term Insurance + PPF		Term insurance + ELSS
Age	Year	Term Insurance premium + PPF	Death benefit	Term Insurance premium + ELSS	Death benefit
40	1	-1,00,000	10,00,000	-1,00,000	10,00,000
41	2	-1,00,000	10,00,000	-1,00,000	10,00,000
42	3	-1,00,000	10,00,000	-1,00,000	10,00,000
43	4	-1,00,000	10,00,000	-1,00,000	10,00,000
44	5	-1,00,000	10,00,000	-1,00,000	10,00,000
45	6	-1,00,000	10,00,000	-1,00,000	10,00,000
46	7	-1,00,000	10,00,000	-1,00,000	10,00,000
47	8	-1,00,000	10,00,000	-1,00,000	10,00,000
48	9	-1,00,000	10,00,000	-1,00,000	10,00,000
49	10	-1,00,000	10,00,000	-1,00,000	10,00,000
50	11	-1,00,000	10,00,000	-1,00,000	10,00,000
51	12	-1,00,000	10,00,000	-1,00,000	10,00,000
52	13	-1,00,000	10,00,000	-1,00,000	10,00,000
53	14	-1,00,000	10,00,000	-1,00,000	10,00,000
54	15	-1,00,000	10,00,000	-1,00,000	10,00,000
55	16	-1,00,000	10,00,000	-1,00,000	10,00,000
56	17	-1,00,000	10,00,000	-1,00,000	10,00,000
57	18	-1,00,000	10,00,000	-1,00,000	10,00,000
58	19	-1,00,000	10,00,000	-1,00,000	10,00,000
59	20	-1,00,000	10,00,000	-1,00,000	10,00,000
60		40,92,628	10,00,000	67,56,495	10,00,000

	IRR	6.41%		10.57%

With PPF, the final maturity value is ₹40.92 lakhs, yielding an IRR of 6.41%. This return is similar to the 8% scenario of the PNB MetLife Goal Enhancer Multiplier, despite PPF being a debt instrument.

For the ELSS fund, the pre-tax maturity value is ₹74.40 lakhs. After accounting for capital gains tax, the final maturity amount is ₹67.56 lakhs, resulting in a post-tax IRR of 10.57%.

The ELSS fund, as a market-linked product, offers a superior risk-adjusted return. It also provides the flexibility to withdraw funds as needed, without restrictions.

ELSS Tax Calculation
Maturity value after 20 years	74,40,423
Purchase price	18,44,000
Long-Term Capital Gains	55,96,423
Exemption limit	1,25,000
Taxable LTCG	54,71,423
Tax paid on LTCG	6,83,928
Maturity value after tax	67,56,495

In comparison, the PNB MetLife Goal Enhancer Multiplier (GEM) falls short in terms of liquidity and delivering better risk-adjusted returns.

Final Verdict on PNB MetLife Goal Enhancer Multiplier Plan (GEM)

With its versatile plan options, the PNB MetLife Goal Enhancer Multiplier (GEM) is marketed as a customizable solution to help investors achieve their financial goals and fulfil their family’s dreams.

However, upon closer analysis, it becomes clear that the plan falls short of expectations due to its poor potential returns.

The high charges associated with this ULIP significantly impact its performance, leading to subpar returns and hindering the wealth accumulation process. Additionally, the plan’s low sum assured makes it less appealing and it also has a high agent commission.

The combination of insurance and investment within the same product diminishes the overall efficiency of the PNB MetLife Goal Enhancer Multiplier (GEM).

A better approach is to secure your family’s future with a pure-term life insurance policy that offers adequate coverage. To achieve your financial goals, invest separately based on your time horizon and risk tolerance.

To generate better returns from market-related investments, it’s advisable to steer clear of ULIPs. Always evaluate the potential returns of a product before investing.

When it comes to financial advice, are Quora, Facebook, and Twitter the final word?

If you need guidance, consult a Certified Financial Planner, who can provide expert advice on the various products available in the market.

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PNB MetLife Goal Enhancer Multiplier (GEM) Plan: Good or Bad? An Insightful ULIP Review

Table of Contents:

What is the PNB MetLife Goal Enhancer Multiplier (GEM)?

What are the features of the PNB MetLife Goal Enhancer Multiplier (GEM)?

What are the plan options under the PNB MetLife Goal Enhancer Multiplier (GEM)?

Who is eligible for the PNB MetLife Goal Enhancer Multiplier (GEM)?