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Met Suraksha TROP

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This plan has been withdrawn by the insurance company and is no longer available for sale.

MetLife Met Suraksha TROP Plan

Met Suraksha TROP is a variant of Met Suraksha, which is a pure term insurance plan. This plan gives back the premiums that are paid by the policyholder to the company on maturity of the policy provided that the life insured survives the entire policy term. Thus, if the life insured dies within the policy term, the nominee would get the Sum Assured and if he doesn’t, then the premiums paid by him to secure cover is returned to him on maturity.


Key Features of Met Suraksha TROP Plan


§  It is a Term Insurance Policy with Death Benefit and Maturity Benefit.

§  There is a guaranteed addition of 10% of the premiums paid.

§  Single pay and limited pay options available.

§  Riders are available with this policy.

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Benefits you get from Met Suraksha TROP Plan


Death Benefit – In case of death of the policy holder, the nominee gets the sum assured under the plan


Maturity Benefit – The premiums are returned on maturity if the life insured survives the entire tenure..


Income Tax Benefit - Life Insurance premiums paid up to Rs. 1,00,000 are allowed as a deduction from the taxable income each year under section 80C



Eligibility conditions and other restrictions in Met Suraksha TROP Plan





Sum Assured (in Rs.)


No Limit

Policy Term (in years)



Premium Payment Term (in years)


Equal to policy term

Entry Age of Policyholder



Age at Maturity



Single premium



Payment modes

Yearly, Half-yearly, Quarterly, Monthly, Single and Payroll Savings Program



Sample illustration of premium amount in Met Suraksha TROP Plan


The below illustration is for a healthy Male (non-tobacco user) opting for a Sum Assured = Rs. 50 lakhs and Policy Term = 20 years

Sample Premium Rates of Met Suraksha TROP



Additional Features and Benefits of Met Suraksha TROP Plan


Riders – there are 2 riders in this policy which can be opted for

·         Critical Illness rider

·         Accidental Death Benefit rider



What happens if?


You stop paying the premium – the policy would lapse and death benefit would not be applicable. However, it can be reinstated within 3 years from the first unpaid premium date.


You want to surrender the policy – There is guaranteed surrender options available under this policy but it depends on the premium paying term as well.


You want a loan against your policy – There is no loan facility in this policy.


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