LifeLine is a retirement pension insurance policy designed to help you maintain financial stability after retirement. By paying premiums during your earning years, you can receive a regular pension income during retirement.

You pay premiums for a selected period while you are employed. After retirement, the policy provides regular pension income to help cover living and medical expenses.

If the insured passes away during the premium payment phase, the beneficiary will receive the Basic Face Amount, along with any accrued Reversionary Bonus and Terminal Bonus (if applicable), less any outstanding policy indebtedness.

If the insured passes away during the investment accumulation phase, the beneficiary will receive the Principal Amount. If pension payments have been left with MetLife to accumulate interest, the accumulated pension value will also be included.

Upon maturity, the policyholder receives the Principal Amount. If pension payments have been accumulated with MetLife, the maturity benefit will include both the principal amount and the accumulated pension value.

The pension amount is calculated as a percentage of the principal amount. This percentage is known as the Coupon Rate, which is guaranteed to be no less than 2% of the Principal Amount annually.

Yes. In addition to the Basic Face Amount, eligible policies may receive Reversionary Bonus and Terminal Bonus, subject to policy terms and conditions.

Yes. A policy loan facility is available during the premium payment phase, subject to the terms and conditions of the policy.

You can enhance your LifeLine coverage by adding optional riders for an additional premium, including:

• MediCare
• Waiver of Premium
• Hospital Care
• Accident Indemnity Certificate
• Critical Care
• Limited Accident Insurance Certificate
• Accidental Death Benefit

If Personal Accident Coverage is selected, the policy may provide:

• Accidental Death & Permanent Total Disability Benefit: Up to the Basic Face Amount, subject to a maximum of BDT 5,000,000.
• Accidental Dismemberment Benefit: Up to the Basic Face Amount, subject to a maximum of BDT 5,000,000.
• Accident Medical Expense Reimbursement: Up to 15% of the Basic Face Amount, subject to a maximum of BDT 750,000 per accident.

Yes. Optional riders such as MediCare, Hospital Care, and Critical Care can be added to provide additional financial protection against medical expenses and critical illnesses.

Premiums paid for LifeLine may be eligible for income tax benefits, subject to the prevailing tax laws and regulations of Bangladesh. Please consult your tax advisor for guidance.

LifeLine is ideal for individuals looking to build a reliable source of retirement income while also benefiting from life insurance protection and optional health and accident coverage.

If you choose not to withdraw your pension payments, MetLife can accumulate them with interest. The accumulated value may be added to the death benefit or maturity benefit, depending on the policy stage.

The coupon rate may vary over time. To obtain the latest applicable rate, please consult a MetLife Financial Associate. The policy guarantees a minimum annual coupon rate of 2% of the Principal Amount.