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MetLife. Inc. (NYSE: MET). through its subsidiaries
and affiliates ("MetLife"). is one of the largest life
insurance companies m the world. Founded in
FORTUNE
1868. MetLife is a global provider of life
insurance. annuities. employee benefits and asset
WORLD'S MOST
management. Serving approximately I 00 million
customers. MetLife has operations in nearly 50
countries and holds leading market positions in ADMIRED
COMPANIES"~
the United States. Japan. Latin America. Asia.
Europe and the Middle East. For more information.
visu www.rnetlne.corn
#1 IN INSURANCE: LIFE 6 HEALTH
Bangladesh is a key operation and has a long
history tracing back to 1952. Today. it is the
largest insurance company and a major employer
in the country with over 15.000 Field Force and
Employees.
We Made the List!
For more information. please visit
www.metlifecom.bd MetLife ranked as the No. 1 most
admired life and health insurance
company in Lhe Fortune magazine's
2015 rankings of the wortc's Most
Admired Companies·

MetLife~
American Life Insurance Company
MetLife Building, 18-20 Mocijheel C.A.
P.O. Box 9, Dhaka-1000, Bangladesh
Tel: 9561791, Fax: 9558682
www.medife.com.bd

American Life Insurance Company is incorporated in the USA as a Limited Company

 Line
A Pension Plan for You
Have you been thinking about your ltfe after retirement? If yes. then we have a plan tor you that
keeps you as happy in your retired life as you are now We feel that you need to start planning
for your retirement because now you are working. earning. and spending at your will. When you
will retire. you wouldn't be able to keep pace with things al such ease. Your regular income will
cease but you will need sufficient financial support to be able to pay for your living. medical.
and other expenses. You are the one who must secure a happy retirement for yourself. No one
wants to depend financially on others after retirement. nght?
Keeping these realities in mind, MetLife Unique Value for You
presents a pension plan for you ca led
LifeUne which will ensure regular payment You will pay premium for a certain period of
as per your choice up to your age of 100 time when you are working and earning to
years so that you can ertoy your life after receive pension income from MetLife for a
retirement. long period of time when you retire.

The way Lifeline will work for you

Decide on the following four points and see how Lifeline will work for you:
• When do you want your pension income to be started?
• How much pension income do you prefer?
• Do you have any existing retirement plan? If yes, is rt enough?
• Do you want your pension income to be annual y or monthly?
Your Pension ends nere
(When you reach age
Your Current Age Premium Payment Your Pension oo
I years or in case
at Polley issuance ends here starts here 0, ear er dea:h)

1 Year /1 Month
......,_~~~~~~~~~~~~~~-H~-.i-'--~~~~~~----+<(E!)
uh J

Investment Accumulat on Phase

You pay premium during Premium Payment Phase: you receive pension income during
Investment Accumulation Phase.
 As Example1

• Your current Age at LifeLine issuance: 40 Years

• Premium Payment ends at your age: 55 Years
• Premium Payment Term: 15 Years
• Pension i.e. Income Coupon Payout Option: AnnuallyI Monthly
• Pension starts from your Age:
• 56 Years in case of Annual Pension; or
• 55 Years 1 month in case of Monthly Pension
• Maturity Age: MetLife will pay you pension i.e. Income Coupon every year I month as
long as you live (up to maximum age of 100 years).

For illustrative purposes. you may want to have a look at the following table (in Taka).

Pension Payout Option: Annually Pension Payout Option: Monthly

1,20,000 2,40,000 3,60,000 4,80,000 6.00,000 12,00,000 l 0,000 20,000 30,000 40,000 50,000 1,00,000
Amount

*Projected
Prlndpal 14,45,792 28,91,583 43,37,375 57,83.167 72,28.959 1.44.57,917 15,00,000 30,00,000 45,00,000 60,00,000 75,00,000 1,50,00,000
Amount

Basic flee
7,60,943 15,21,886 22,82,829 30,43,772 38,04,715 76,09,430 7,89,474 15,78,947 23,68,421 31,57,895 39,47,368 78,94.737
Amount

Basic 60,778 1,21,486 1,82,194 2,42,902 3,03.610 6,07,150 5,677 11,346 17,014 22,683 28,351 56,694
Premium

Total Premium
(Basic+
Premium for
1ddition1I 66.828 1,33.585 1.98,094 2,58,802 3,19,510 6,23,050 6,242 12,475 18,445 24,114 29.782 58,125
Personal
Acddent
Cover1ge)

* The calculations shown in the above table are only for illustrative purposes. In the above
table, crediting interest rate for the year 2015 (8% per annum) and bonus rate (6% per
annum for 15 years term) for the year 2014 are used as an example. Crediting interest rate
of 1st Quarter 2017 is 7% per annum and interim BonusRate for the year 2016 is 5.3% per
annum for 15 years term. Crediting interest rate and bonus rate vary, which will affect
values shown in the above table.
 As Example 2

• Your current Age at LifeLine issuance: 40 Years

• Premium Payment ends at your age: 60 Years
• Premium Payment Term: 20 Years
• Pension i.e. Income Coupon Payout Option: Annually I Monthly
• Pension starts from your Age:
• 61 Years in case of Annual Pension; or
• 60 Years 1 month in case of Monthly Pension
• Maturity Age: MetLife will pay you pension i.e. Income Coupon every year I month as
long as you live (up to maximum age of 100 years).

For illustrative purposes. you may want to have a look at the following table (in Taka).

Pension Payout Option: Annually Pension Payout Option: Monthly

~
Pension 1,20,000 2,40,000 3,60,000 4,80,000 6,00,000 12,00,000 10,000 20,000 30,000 40,000 50,000 1,00,000
Amount

•Projected
Principal 14.45.792 28,91,583 43,37,375 57,83,167 72,28,959 1,44,57,917 15,00,000 30,00,000 45,00,000 60,00,000 75,00,000 1,50,00,000
Amount

Buie Face
4,81,931 9,63,861 14.45.792 19,27,722 24.09,653 48,19.306 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000
Amount

Buie 33,810 67,550 1,01,290 1,35,030 1,68.770 3,37,470 3,159 6,309 9,460 12,610 15.761 31,513
Premium

Total Premium
(Basic+
Premium for
1ddltlonal 37,641 75,213 1,12.784 1,50,355 1,84,670 3,53,370 3,517 7,025 10,533 14,041 17,192 32.944
P1non1I
Accident
Cover1p)

* The calculations shown in the above table are only for illustrative purposes. In the above
table, crediting interest rate for the year 2015 (8% per annum) and bonus rate (10% per
annum for 20 years term) for the year 2014 are used as an example. Crediting interest rate
of 1st Quarter 2017 is 7% per annum and interim Bonus Rate for the year 2016 is 9% per
annum for 20 years term. Crediting interest rate and bonus rate vary, which will affect
values shown in the above table.
Salient Features of the Other Terms and Conditions
Lifeline Plan 1. Principal Amount: It 1s Basic Face
• On top of Basic Face Amount. your plan Amount plus accrued Polley Bonuses (1f
rs eligible for policy bonus(es), if declared declared) less indebtedness on the
by the Company. Policy (1f any).
• Policy Loan facility during Premium 2. Pension (i.e. Income Coupon)
Payment Phase is available if you need Payout Options: At the start of
one. Investment Accumulation Phase.
• Additional accidental benefits through following options are available for you-
Personal Accident Coverage are a. Annual Pension; or
available for you by paying additional b. Monthly Pension; or
premium. c. Leave your pension with MetLife to
• You will also have option to add valuable accumulate with interest
living and other insurance benefits by
paying additional premium. 3. Pension (i.e. Income Coupon)
• Income Tax savings on your paid Amount Calculation: Pension rs
premium. subject to Tax Laws/Rules of calculated as a percentage of the
Bangladesh government. Please consult Principal Amount. Mentioned percentage
your Tax Advisor for confirmation and ts called as "Coupon Rate". This
advice. coupon rate is guaranteed to be not
less than 2% of Principal Amount
annually. Please consult your Financial
Eligibility & Limitations Associate to know current coupon rate.
• Issue Age: 18 to 55 years 4. Policy Bonuses: There are two (02)
• Maturity Age: 1 00 years types of bonuses during Premium
• Premium Payment Term: 10 Years to 20 Payment Phase; Reversionary Bonus
Years (RB) and Terminal Bonus (TB). RB is
• Basic Face Amount: Tk. 1,00.000 to applicable for all available terms
1,00,00.000 whereas TB is only applicable for 1 6 to
• Premium Payment Modes: Monthly, 20 years term. Please note that
Quarterly, Semi-annually, and Annually mentioned bonuses are not guaranteed.
• Expiry Age of Personal Accident
Coverage: 65 years or end of Premium
Payment Phase, whichever is earlier
• Exclusions: Please read the Policy
Document to know applicable exclusions.
• Underwriting Rules: Existing Company
rules will apply.
5. Maturity Benefit: The Maturity Benefit been paid for first two (02) years.
shall be the Principal Amount. If pension After this period. Policy Owner can
(ie. income coupon) is left with MetLife surrender the policy and receive
to accumulate with interest, maturity Total Cash Value. less any
benefit will be Principal Amount plus indebtedness. Total Cash value is the
accumulated value of pension. Basic Cash Value plus cash value of
the Reversionary Bonus.
6. Death Benefit: b. Surrender Benefit during Investment
a. During Premium Payment Phase: In Accumulation Phase (sub1ect to
case of death of the Insured. the processmg fee. 1f any): Policy Owner
beneficiary will receive Basic Face will receive Principal Amount. If
Amount plus accrued Reversionary pension (i.e. income coupon) is left
and Terminal Bonuses (if applicable)
with MetLife to accumulate with
less indebtedness to Company (if interest, surrender benefit will be
any). Principal Amount plus accumulated
b. During Investment Accumulation value of pension (i.e. income
Phase: In case of death of the coupons).
Insured. beneficiary will receive
Principal Amount. If pension (i.e. 9. Re-instatement during Premium
income coupon) rs left with MetLife Payment Phase: Unless the Policy has
to accumulate with interest, death been cash surrendered. 1t may be
benefit will be Principal Amount plus reinstated at any time within five years
accumulated value of pension. after default in payment of premium
upon written application along with
7. AdditionalAccidental Benefit under evidence of insurability, including good
Personal Accident Coverage, if health. satisfactory to the Company
chosen: together with payment of all overdue
a. Accidental Death CAD) and
premiums and repayment of any loan
Permanent Total Disability (PTO) will
with interest.
be equal to Basic Face Amount but
not exceeding Tk. 20,00,000 10. This Policy does not cover Death on
b. Accidental Dismemberment (0) will account of Suicide (within two years
be up to Basic Face Amount but not from date of issue or from the date of
exceeding Tk. 20.00.000 reinstatement). War. Acquired Immune
c. Accident Medical Expense Deficiency Syndrome (AIDS),
Reimbursement (AMR) limit per pre-existing condition or other
Accident will be up to 15% of Basic exclusions as specified in the policy
Face Amount but not exceeding document.
Tk. 3.00,000
11. Policy Loan will be allowed up to a
8. Surrender maximum of 85% of the Total Cash
a. Cash Surrender during Premium Value, less any indebtedness.
Payment Phase: The policy acquires
cash value after premiums have
How to make a claim
Making a claim in case of lnsured's death.
dismemberment, disability or any other insured
events is as simple as calling our MetLife Head
Office at 9561791 (ext. 777) or 16344. We will
guide you or your designated beneficiary (ies)
through the whole process.

Disclaimers
1 . This plan is underwritten by American Life
Insurance Company (MetLife) and is subject at
all times to the terms and conditions of the
Plan Policy and Riders issued by MetLife. The
information contained in the brochure is
intended for general consumer understanding
only. The values shown in this brochure are
for illustrative purposes only. Detailed terms.
condinons and exclusions are included in the
Policy Document. In case of discrepancy
between this brochure and the policy
document. the latter shall prevail.

2. The product is not available in the United

States. or offered to U.S. persons. for
purposes of this statement. a U.S. Person is a
citizen or resident of United States (including
a U.S. Permanent Resident resrdmq outside
the U.S.). U.S. partnership and any trust that is
controlled by one or more U.S. persons and rs
subject to the supervision of a U.S. Court.

3. Supplementary Contracts/Riders (if any)

attached with the Basic Policy. will
automatically cancel on the termination/
expiry date of the Supplementary
Contracts/Riders or at the end of the Premium
Payment Term. whichever rs earlier.
MetLife. Inc. (NYSE: MET). lhrough its subsidiaries
and affiliates ("MetLife"). is one of the largest life
insurance companies m the world. Founded m
FORTUNE
1868. MetLife rs a global provider of life
insurance. annuities. employee benefits arid asset
WORLD'S MOST
management. Serving approximately 1 00 mil ion
customers. MetLife has operations in nearly 50
countries and holds leading market positions in ADMIRED
the United States. Japan. Latin America. Asia.
Europe and the Middle Easl. For more information.
vrsrt www.metlito.com
COMPANIES·~
1 IN INSURANCE: LIFE 6 HEALTH
11
Bangladesh is a key operation and has a long
history !racing back to 1952. Today. it is the
largest insurance company and a mejor employer
in the country witl1 over 15.000 Field rorce and
Employees.
We Made the List!
For more mtorrnauon. please visit
www.metlife.com.bd MetLife ranked as lhe No. 1 most
admired life and health insurance
company in the Fortune magazine's
2015 rankings of the worlc's Most
Admired Companies·

MetLife™
American Life Insurance Company
MetLife Building, 18-20 Motijheel C.A.
P.O. Box 9, Dhaka- I 000, Bangladesh
Tel: 9561791, Fax: 9558682
www.metlife.com.bd

American Life Insurance Company Is incorporated in the USA as a Limited Company