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Kotak Ulip plans are unit linked insurance plans with low charges along with convenient premium payment options that provide you with a great combination of funds and helps you build substantial wealth for yourself. There are 6 Kotak ULIP plans that are available to you for investing your money. Regular Premium

Kotak Invest Maxima: A ulip policy that maximizes your investment with 0% premium allocation charge and gives you an opportunity to choose from 2 investment strategies as per your risk appetite. Kotak Assured Income Plan: A plan that gives you an assured income for 20 years, on maturity you receive 110% to 104% of Basic Sum Assured. Kotak Platinum: A unit linked insurance plan with low charges along with 8 excellent fund options and various premium payment options. Kotak Ace Investment: A ULIP policy that helps you to earn good returns over the medium to long run and at the same time provides you with requisite flexibility and liquidity. Kotak Wealth Insurance: A ulip plan that ensures that your investments grow with time. It also provides a triple protection so that your family's aspirations are met even if you are not around.

Single Premium

Kotak Single Invest Advantage: A single premium unit linked insurance plan that can be bought online directly from the companys website.

Comparison of Kotak ULIP plans will help you to understand ULIP plans provided by Kotak Life Insurance. Also, compare all Kotak ulip plans and ulip plans provided by other life insurance companies in India online and buy the best ULIP policy that suits you.

Protection plans 1 Kotak saral suraksha

Low cost insurance Kotak Saral Suraksha provides significant cover at a very low premium. You choose the sum assured in this plan to ensure adequate financial cover for your family. The benefit payable to your family in case of an unfortunate death during the policy term will be: Policy Year 1st Policy Year 2nd Policy Year onwards Benefit Payable All premiums paid Sum Assured1

Thus, your family will have the support of a financial cushion any time a mishap like death happens.

Choice of policy term The Kotak Saral Suraksha plan provides you an option of two policy terms. Depending on your need, you can opt for a policy term of 5 or 10 yeaRs The insurance cover, as explained above, will be applicable for this term. Thus you will be able to mould the plan as per your protection requirement.

Convenient premium payment options Premiums can be paid over a 5-year premium payment term or as a single premium. These premium payment options are available for both the policy terms 5 and 10 yeaRs If you opt for premium payment over a 5-year period, you can pay your premiums annually or half-yearly depending upon your income pattern and convenience. Based on your comfort level, you can choose how you want to pay your premiums.

Easy sign up

You need not undergo medical tests to avail benefits of this plan. Minimal paperwork ensures ease in applying and issuance. Source http://insurance.kotak.com/individual/protect/saral-suraksha-key-features.php 2Kotak e term High cover at a low cost When you buy a pure protection plan, the plan itself provides you a high cover at low prices as compared to other kinds of insurance plans.

Low premium for women and non-tobacco users If you are a non-tobacco user, you get lower rates than usual. The rates are even lesser for women. Thus, you get rewarded for your healthy lifestyle habits in this online life insurance plan.

Quick and hassle-free buying You can buy insurance online conveniently sitting at home through the internet. The paperwork is minimal and the document collection happens at your home. As a result, you can efficiently utilise your precious time than spending it on paperwork or visiting a branch.

Increase your life cover in a hassle free manner You may get additional insurance cover at certain important stages of your life in a cost-effective manner and without the hassle of any medical examination. Thus, increasing life cover would be as easy as pie for you.

No medical examination

There would be no medical examination for purchase of a life cover upto 50 lacs and if the life to be insured is upto 40 years of age. Hence, buying this plan would not involve time consuming and tedious trips to the clinic and the buying process is a cakewalk. Source features.php http://insurance.kotak.com/individual/protect/eterm-epreferred-term-key-

3Kotak term plan Low Cost insurance plan Kotak Term Plan / Kotak Preferred Term Plan provides you the benefit of having a high cover at economical prices. It also offers reduced premiums for women. Furthermore, in Kotak Preferred Term Plan, for a sum assured of Rs 25 lakh and above, special premium rates are offered to nontobacco users. Hence, this plan provides you a good value proposition for your money.

Choice of premium payment mode Whether you prefer a single payment mode or the regular option of premium payments over the policy years, we have the right solutions for you. If you opt for the regular mode, you still have the choice of annual, half-yearly, quarterly or monthly premium payment. Thus, you are offered high level of flexibility in paying premiums the way you choose.

Plan conversion option For enhanced protection, there is an option of converting your Kotak Term Plan / Kotak Preferred Term Plan policy to a policy of any other plan* offered by Kotak Life Insurance (except for term plans). So long as there are at least 5 years remaining before the cover ceases, you can avail this option. Thus, with your changing needs you can actually convert your plan into a different one that better suits your needs.

*Subject to the product specific conditions

Additional protection In case you have selected the regular premium payment option, you can enhance your protection with the following rider plans if they do not exceed 30% the premium (except for Kotak Critical Illness Benefit) for your Kotak Term Plan / Kotak Preferred Term Plan policy. Rider Plan Kotak Critical Illness Benefit (CIB) Kotak Accidental Death Benefit Kotak Permanent Disability Benefit Benefits Payable Portion of the basic sum assured paid in advance on admission of a critical illness claim Lump sum benefit paid upon accidental death

Payout in installments upon admission of claim of disability

Additional premiums apply with these rider plans. Please refer to the rider brochure for more details or Contact a Kotak Life Advisor.

Source features.php Kotak eternal plan

http://insurance.kotak.com/individual/protect/term-insurance-plan-key-

Cash rewards on survival to the end of premium paying term Bonuses accumulated in your account are paid at the end of the premium paying term. With that money, you can probably fund an interim expenditure of your life. For example sponsoring higher education of your children.

Life insurance benefits which last a lifetime Whether its during the premium payment period or till 99 years of age, we help lessen the financial burden your family could face in the unfortunate event of a demise by offering the sum assured and applicable bonuses to the nominees. Thus, we ensure your family stays financially secure at all times through this whole life insurance plan.

Cash lump sum at 99 years of age in the form of additional bonuses On achieving the age of 99, the company pays you a guaranteed* sum assured plus all applicable bonuses. We ensure that even at the age of 99, you have enough to leave behind a legacy for your family.

Plan options that best suit your needs Choose between two unique variants to take care of all your lifes needs: Eternal Life Premier Shield The Eternal Life Premier Shield plan gives you comprehensive whole life insurance coverage till the age of 99 with premiums that match your income and lifestyle. This means that in the initial years you pay lower premiums as the need for life cover is not very high at that time and with the rise in your earnings and standard of living, your premiums keeps pace. Eternal Life Classic Shield Offering comprehensive whole life insurance coverage till the age of 99, the Eternal Life Classic Shield plan features premiums that dont increase, unlike the Eternal Life Premier Shield plan. In addition, it also has flexible premium payment terms to suit your specific requirements.

*Applicable where all premiums have been paid in full and as scheduled as at date of benefit claim, and where the policy has not been made paid-up Source http://insurance.kotak.com/individual/protect/eternal-life-plan-key-features.php

Kotak assure protection

Key Features

Comprehensive protection Plan offers cover on:

Death (due to natural causes)

Accidental Death Critical Illness Accidental Disability (waiver of premium)

Option to pay premiums for a limited term With this plan, you have the option for paying premiums until the age of 60 yrs or for fixed term of 15 years. You have the flexibility to choose any one of the option suiting your need.

Payout on maturity In addition to protection cover, on maturity of the plan full Sum Assured is paid out

Source http://insurance.kotak.com/individual/protect/assured-protection-key-features.php

Saving and investment planning 4Kotalk single investment plus Convenience of onetime payment - Single Premium Being a single premium plan, there is no obligation of future payments, so just sit back and relax!

Maximizes your investment value With no premium allocation charge, most of your premium will get invested giving you the opportunity for enjoying superior returns. Other charges will be duly applicable.

Joint Life cover - Provides cover on both the lives Covers two lives under the same plan. Provides benefit on the unfortunate event of first death and thereafter also continues cover on the surviving life for any further uncertainties.

Advantage of Loyalty Additions Plan provides Loyalty Additions at the end of 10th year for a policy of 10 year term and at the end of 10th & 15th year for a Policy of 15 year term. The Loyalty Addition is calculated as percentage of the average value of Funds in the Main Account in the three years preceding the benefit payment. Premium Payment Rs 30,000 to Rs 49,999 Rs 50,000 to Rs 1,99,999 Rs 2,00,000 & above Loyalty Addition Nil 2.25% 3.00%

Option to invest in a wide array of funds The plan offers 6 fund options to choose from suiting your risk appetite and investment objective. Source http://insurance.kotak.com/individual/savings-invest/single-invest-plus.php 5Kotak assured income Guaranteed second income for 20 years Enjoy a constant stream of payouts from the 11th policy year onwards, for a total of 20 years.

Additional lump sum benefit In addition to guaranteeing you a regular stream of income for 20 years, Kotak Assured Income Plan provides you a lump sum cash payout equal to 110% to 104% of the life cover amount (basic sum assured) on maturity depending upon life assureds age. Now, the long-awaited family vacation or the new home youve always wanted to own might just become a reality.

Protection for your family even beyond the premium payment term While you pay your premiums for 15 years, you will receive a life cover for 30 years, ensuring your family stays protected for a longer time.

Additional protection Enhance your protection with these rider plans:

Rider Plan Benefits Ppayable

Kotak Accidental Death Benefit (ADB) Lump sum benefit payable in the event of accidental death Kotak Permanent Disability Benefit (PDB) Kotak Life Guardian Benefit (LGB) Payout in installments upon a disability claim Waiver of premiums upon death and all future premiums to be paid by Kotak Life Insurance

Kotak Accidental Disability Guardian Waiver of premiums upon disability and all future premiums to be Benefit (ADGB) paid by Kotak Life Insurance

Additional premiums apply with these rider plans. Contact a Kotak Life Advisor for more.
*Guarantee is applicable provided all premiums have been paid and the policy is in force

Source http://insurance.kotak.com/individual/savings-invest/assured-income-plan.php

6Kotak Platinum
Choice of funds that best suited your needs You can choose to spread your investment across a range of 8 fund options ranging from cautious to aggressive funds.

This way you get an exhaustive list of options to diversify your wealth and you dont need to look for any other investment avenue. See the risk-return table above to see which product(s) is/are most suitable or contact a Kotak Life Advisor to know more. Need to switch to a plan with lower risk or one that brings higher returns? Dont worry, as youll have 12 free switches in a policy year for greater control over your investment.

Minimum charges, maximum earnings With Kotak Platinums low charges, we ensure that 95% to 98.5% of your premium payment goes straight to the investment you have picked, to maximise your returns.

Keep earning with additional loyalty bonuses On top of the earnings your investment brings, be rewarded with extra bonus at the end of 10th policy year and every 5 years thereafter.Thus, the longer you stay with us, the more you get out of your investment.

Flexible payment period If a longer payment period doesnt suit your needs, you can always opt for a shorter one. Choose either a:

5-year premium payment period for a policy term of 10 years, or 10-year premium payment period for policy terms of 15 to 30 years

Whats more, you also have the option to pay annually, half-yearly, quarterly or monthly giving you even greater flexibility in the way you invest.

Other advantages

Option for partial withdrawals and policy loan Flexibility to receive maturity benefit via lump sum payment or in installments Life insurance cover that safeguards your familys well-being

Source http://insurance.kotak.com/individual/savings-invest/platinum.php

7Kotak Single Invest Advantage

One-time payment, a lifetime of benefits Kotak Life Insurance enables you to make the most of your cash surplus in this one-time investment plan. So now you can gain the benefits of a long-term savings plan, without being tied down financially by regular premium payments. Whats more, youll have added life insurance coverage while you sit back and earn.

Get rewarded for staying invested for a longer time Unit-linked insurance plans (ULIP) plans work best when they are taken with a long-term view in mind. And to top it all we reward you for staying invested with Kotak Life Insurance for a longer tenure by providing loyalty additions in your Fund Value. Receive an additional bonus right after your 10th policy year and once again at the end of the 15th policy year. This way you will be benefited for the healthy investment behavior of staying invested for a longer duration. You will be receiving the loyalty additions as follows:
Annual Premium Payment Rs 50,000 to 199,999 Rs 2,00,000 & above Loyalty Addition (% of Average Fund Value in Main Account in the Preceding 3 Years) 2.25% 3.00%

A truly customised fund portfolio for your needs Whether you manage your portfolio actively or leave things to our investment experts, we offer you a choice of six funds ranging from safe-low return funds to high-returns options though with potentially higher risks. Divide your money between these funds in whichever way you like or switch your money from one fund to another, giving you extreme flexibility of investment. Find the most suitable fund(s) available with this single premium policy by using the risk-returns

table right below or contact a Kotak Life Advisor to find out more.

One good way to protect the well-being of your loved ones This single premium policy comes with a comprehensive life cover. This ensures that in the case of an unfortunate demise of the life insured, the family is well provided for and will not need to suffer financially.

Source http://insurance.kotak.com/individual/savings-invest/single-invest.php

8Kotak Ace Investment Plan

Choose from 8 fund options in this unit-linked insurance plan Many investment options offer just one avenue where you can invest your money in. It could be an aggressive fund purely based on equity market or a safe bond fund with lower returns. But a single avenue is never enough to get the most out of your investments. Hence, we offer you a choice of eight different funds based on your investment preferences. So whether you manage your portfolio actively or leave things to our investment experts, youll find a suitable fund from our range of funds catering to different risk profiles. Find the fund(s) that matches you needs by using the risk-returns table right below or contact a Kotak Life Advisor to find out more.

Switch between funds when you need We understand that even after youve picked the most suitable investment to start on, economic fluctuations can occur during the policy period. There are times when equity markets are in upswing and can offer you very good returns for your money, as well as periods where you need

to park your money in lower-risk investment options such as bonds. Thats exactly the reason why we give you the option to switch between funds - to get the best out of your money.

An insurance policy that provides easy access to investment Need cash for an unexpected life event? Kotak Ace Investment Plan lets you:

Make partial withdrawals after the 5th policy year Loan up to 40% of the Fund Value in your Main and Top-Up Account after 2 years of premium payment Receive the full Fund Value in a lump sum or periodic payouts after maturity. Thus, in the event of financial contingencies, your money is easily accessible and not locked away in a savings plan.

Protection for your loved ones Kotak Ace Investment Plan comes with a comprehensive life insurance cover, which ensures that an unfortunate death of the life insured does not put your family in a financial distress.

Flexible premium payment period If a longer payment period doesnt suit your needs, opt for a shorter one. Choose either a:

5-year premium payment period for a policy term of 10 years, or 10-year premium payment period for policy terms of 15, 20, 25 and 30 years

Whats more, you also have the option to pay annually, half-yearly, quarterly or monthly giving you additional flexibility.

Other advantages

Invest surplus funds as top-up premiums Enhance protection with optional rider plans

Additional protection Enhance your protection with these rider plans:

Rider Plan Benefits Payable

Kotak Term Benefit(KTB) / Kotak Preferred Lump sum benefit payable in the event of death Term Benefit (KPTB) Kotak Critical Illness Benefit (CIB) Kotak Accidental Death Benefit Kotak Permanent Disability Benefit Kotak Life Guardian Benefit Kotak Accidental Disability Guardian Benefit Lump sum benefit payable upon admission of a critical illness claim Lump sum benefit paid upon accidental death Payout in installments upon a disability claim Waiver of premiums upon death and all future premiums to be paid by Kotak Life Insurance Waiver of premiums upon disability and all future premiums to be paid by Kotak Life Insurance

Additional premiums apply with these rider plans. Contact a Kotak Life Advisor to find out more. Source http://insurance.kotak.com/individual/savings-invest/ace-investment.php

9Kotak Wealth Insurance

Accumulate wealth through a disciplined investment approach At maturity, you will receive a corpus of money accumulated through returns earned via investing in the funds of your choice. All the funds offered under this unit-linked insurance plan are managed by our well qualified and experienced experts. You might use this corpus to take care of a large expense like buying a car or a marriage.

Secure the well-being of your family through triple protection In the unfortunate event of death (where the policyholder and the life assured are the same), Kotak Life Insurance helps lessen the financial burden your family might face by providing the benefit of triple protection as follows:

Your beneficiary is paid 100% of the basic sum assured immediately to compensate for immediate loss of income. Fund Value in Main Account Plus Lump Sum Benefit

In this way your family gets an immediate financial relief and they don't feel financially insecure.

Customised fund portfolio for your risk-returns profile Under this investment plan, you can invest your money in a variety of fund options suited for all types of investors, ranging from cautious to aggressive. Whats more, you can divide your money between different funds or even switch from one fund to another for added investment flexibility. Whether you manage your portfolio actively or leave things to our investment experts, youll find a suitable fund from our range of funds catering to different risk profiles. See the risk-return table right below to see which product(s) is/are the most compatible with your profile or contact a Kotak Life Advisor to find out more.

Easy access to investment Need cash for an unexpected life event? Kotak Wealth Insurance allows you to:

Make partial withdrawals after the 5th policy year. Loan up to 40% of the Fund Value in your main and Top-Up account after 2 years of premium payment.

Option of shorter term payment If a longer payment period doesnt suit your needs, you can always opt for a shorter one. Enjoy all the benefits of a 10-year plan and have the convenience of a 5-year premium payment period.

Other advantages

Switch between funds for better flexibility. Invest surplus capital in this investment plan as Top-Up Premiums.

Additional protection You may also enhance protection for your family with these rider plans: Rider Plan Benefits Payable

Kotak Critical Illness Benefit (CIB) Lump sum benefit payable upon a critical illness declaration Kotak Accidental Death Benefit Kotak Accidental Disability Guardian Benefit Lump sum benefit paid upon accidental death Waiver of premiums upon disability and all future premiums to be paid by Kotak Life Insurance

Additional premiums apply with these rider plans contact a Kotak Life Advisor to find out more Source http://insurance.kotak.com/individual/savings-invest/wealth-insurance.php

10Kotak Endowment Plan

Save and earn more Not only can Kotak Endowment Plan help you in the objective of long-term savings, youll also get to accumulate bonus earnings on the premiums paid by you. This ensures while you work hard to earn a living, your money works equally hard in earning returns.

Dual benefits of life insurance and investment You can have the best of both worlds with this savings plan. It provides you life insurance coverage to secure your family from an unfortunate demise of the life insured. At the same time, it ensures that you get your premiums back along with returns upon plan maturity.

Flexible payment period Since future cash flows can be uncertain, you can always opt to complete your premium payments over

smaller durations such as 3, 5, 7, 10 or 15 years yet enjoy the full plan benefits for the entire policy term. Hence, this savings plan can be really flexible depending on your needs.

Additional protection Enhance your protection with these rider plans: Rider Plan Kotak Critical Illness Benefit (CIB) Kotak Accidental Death Benefit Kotak Permanent Disability Benefit Kotak Life Guardian Benefit Kotak Term Benefit(KTB) / Kotak Preferred Term Benefit (KPTB) Kotak Accidental Disability Guardian Benefit Benefits Payable Lump sum benefit payable upon admission of a critical illness claim Lump sum benefit paid upon accidental death Payout in installments upon a disability claim Waiver of premiums upon death and all future premiums to be paid by Kotak Life Insurance Lump sum benefit payable in the event of death Waiver of the insurance plan premiums upon disability and all future premiums to be paid by Kotak Life Insurance

Additional premiums apply with these rider plans. Please contact a Kotak Life Advisor to find out more Source http://insurance.kotak.com/individual/savings-invest/endowment-plan.php

11Kotak Money Back Plan

Receive payouts once every 5 years This life insurance plan gives you a lump sum payout once every 5 years and enables you to take care of your planned as well as unexpected financial situations.

Earn bonuses with this money back plan Bonus may be declared by the company at the end of each financial year and is added to your account, hence ensuring that the premiums deposited by you earn satisfactory returns.

Guaranteed* addition upon maturity Regardless of your policy term, earn guaranteed additions at the end of 15th, 20th and 25th year provided policy is in force. Plan Period 15 years 20 years 25 years Guaranteed Addition 20% of sum assured at the end of 15 years 30% of sum assured at the end of 20 years 40% of sum assured at the end of 30 years

Life insurance benefits that keep increasing With the rising standard of living and inflation rates, it is important that your life cover also increases accordingly to provide your family with adequate financial protection should anything untoward happen to you.
Source http://insurance.kotak.com/individual/savings-invest/money-back-plans.php

12Kotak Premium Return Plan

Return of premiums upon maturity Upon plan maturity, you'll be guaranteed (Provided policy is in force) the full return of your investment - that is, the premium payments made throughout the policy term. This amount could be even higher depending on the policy term you've chosen.

Twin benefits of risk cover and savings Protect your family from the threat of loss of income due to an untimely death as well as fulfill your financial goals through a disciplined savings approach in this plan. These twin benefits offer you a comprehensive all-round protection.

Hassle-free sign-up and plan management All it takes is a simple application procedure, with no medical tests plus the convenience of

automatic premium debit. The Kotak Premium Return Plan is certainly a life insurance plan that requires little management. Source http://insurance.kotak.com/individual/savings-invest/premium-return-plan.php

13Kotak Surakshit Jeevan

Enjoy bonus payouts from time to time Bonuses are added to your savings amount accumulated through the premiums paid in this savings plan. These bonuses help you earn returns on the value of your savings and accumulate a substantial corpus.

Boosted Cover With increased responsibility comes a greater need for enhanced protection for your family. With this life insurance plan, you'll have boosted your life insurance protection from the 5th policy year onwards without additional premium payment ensuring your family is properly covered should anything untoward happen.

Saving with regular investment Kotak Surakshit Jeevan helps you set aside a corpus via a disciplined savings plan so you can achieve your financial goals with ease. Whether you're saving up for your child university education or a dream property, Kotak Life Insurance plans can help you get what you want more easily.

Flexible premium payment options This life insurance policy gives you the freedom to choose the premium payment period that best suits your needs whether it's an annual, half-yearly, quarterly or monthly option.

Flexibility to meet diverse requirements Surakshit Jeevan gives you the flexibility to utilise your accumulated kitty on maturity in any of the following three different ways:

To meet contingency fund requirements, by receiving the entire proceeds as a single lump sum To help fulfil your kids' dreams, : To meet the continuous fund requirements of your child's education and career, you can opt for half-yearly installments over a five-year period. The guaranteed amount of each half-yearly installment would be Rs.108 per thousand maturity benefit

To support a comfortable retirement, by withdrawing the cash component of 1/3 of the maturity proceeds, then using the balance to purchase an annuity from Kotak Life Insurance or any other insurer.

Additional protection Want extra protection? Enhance your protection with these rider plans: Riders Kotak Permanent Disability Benefit Kotak Life Guardian Benefit Benefits payable Payout in installments upon a disability claim Waiver of premiums upon death and all future premiums to be paid by Kotak Life Insurance

Additional premiums apply with these rider plans. Please contact a Kotak Life Advisor to find out more. Source http://insurance.kotak.com/individual/savings-invest/surakshit-jeevan-plan.php

14Kotak Invest Maxima

Zero premium allocation charge Kotak Invest Maxima has no premium allocation charge, thus ensuring that most of your money is invested in the funds chosen by you and returns are enjoyed over a larger portion of your premiums.

Choice of portfolio strategies Kotak Invest Maxima offers you two portfolio strategies to optimise your investments: 1. Self Managed Portfolio Strategy offers you the flexibility to invest in any of the five fund options we provide you. These fund options vary from aggressive to cautious and hence are suitable for all kinds of investors.

2. Systematic Switching Strategy (SSS)1 allows you to participate in the volatile equity markets in a systematic & and structured manner. It enables you to invest in Money Market Fund and transfer a pre-defined amount every month into any one of the following funds:

Classic Opportunities Fund Frontline Equity Fund You have the option to choose Systematic Exit Strategy (SES)2, wherein during the last policy year, you will have the choice to switch out of the selected fund, i.e. you can move the amount accumulated in either Classic Opportunities Fund or Frontline Equity Fund to the Money Market Fund systematically over a 12-month period, in a similar manner as SSS1 & 2 Kindly refer to the product brochure for the details of these strategies.

Through these strategies, you will have ample flexibility in the way you invest your money.

Get rewarded for staying invested longer To reward long-term savings the plan will add survival units every 5 years starting from the end of 10th policy year (subject to policy being in force i.e. not in the discontinued state). Annualized / Single Premium Rs. 50,000 to Rs. 74,999 Rs. 75,000 & Above Survival Units^ (as % of Fund Value) 1% 2% ^ Average of the Fund Value on the relevant date and the two preceding year ends.

Choice of convenient policy term and premium payment term You have the flexibility to opt for policy terms and premium payment terms as per your convenience. For Single Premium Payment option the policy term is fixed 10 years whereas for Regular and Limited Premium Payment terms you can choose from the fixed policy terms of 10, 15, 20, 25 and 30 years.

Liquidity through loans and partial withdrawals You can access your investment after completion of the 5th policy year by way of partial withdrawals. Further, you can avail of a policy loan up to 40% of the Fund Value in Main Account and Top-Up Accounts to meet any contingency, after two years premiums have been paid for regular and limited premium payment terms. For Single premium payment option, loans shall be granted against the policy anytime after the first policy year.

Enhanced protection through riders To ensure that your family has adequate financial cushion against the uncertainties of life like accident and permanent disability, you can opt for additional riders with this plan. These riders come with additional premium and you can read the details in the rider brochure.
Source http://insurance.kotak.com/individual/savings-invest/invest-maxima.php

Child plan

15Kotak Child Advantage Plan

Receive what you have invested and more With the Kotak Child Advantage Plan, you can be assured that your money continues to grow with compounding bonuses, year after year.

Waiver of premium facility Should you no longer be around to provide for your children, we will help ease their financial burden by waiving all future premium payments. All you need to do is opt for added life insurance protection via the Life Guardian Benefit or Accidental Disability Guardian Benefit rider plans, giving your children the corpus needed for their education or marriage through the maturity benefit.

Additional protection Enhance your protection with these rider plans:

Rider Plan Kotak Life Guardian Benefit (LGB)

Benefits Payable Waiver of premiums upon death and all future premiums will be paid by Kotak Life Insurance

Kotak Accidental Disability Guardian Waiver of premiums upon disability and all future premiums will Benefit (ADGB) be paid by Kotak Life Insurance

Additional premiums apply with these rider plans. Please read the rider brochure for details or contact a Kotak Life Advisor for more.

Source http://insurance.kotak.com/individual/child/child-advantage-plan.php

16Kotak Headstart Child Assure

Receive a planned corpus at maturity Your regular investments made with this plan will provide you with a planned corpus upon the maturity of the plan, ensuring that the cost of education will never be a deterrent to fulfilling your childrens dreams.

Secure the well-being of your family through triple protection In the unfortunate event of a parents death, Kotak Life Insurance helps lessen the financial burden the child might face by providing the benefit of triple protection as follows: Your beneficiary is paid the life cover amount immediately to compensate for immediate loss of income. All future premiums of this insurance policy will be waived and fully paid for by Kotak Life Insurance. Your beneficiary will receive the fund value of the insurance policy.

Build the maturity amount as per your risk return preference Our range of eight funds is suitable for all types of investors, aggressive or safe. Invest in the fund option most suited for your risk-returns preference to build a corpus in a way you deem fit. Whichever the fund you choose, you can be rest assured that it is managed by our team of highly qualified fund managers..

Flexible premium payment period To ensure that a long term payment obligation does not hamper you from planning your finances, we offer you the following payment methods: 5-year premium payment period for a policy term of 10 years, or 10-year premium payment period for policy terms of 15 to 25 years.

In addition, with the option to pay annually, half-yearly, quarterly or monthly, this could be an apt child plan for your children and you.

Additional protection Opt for additional riders to safeguard your family from eventualities like a critical illness, an accidental death, disability and permanent disability. These riders will ensure that your children are well-protected from financial consequences to give you peace of mind. Additional premiums apply with these rider plans. Please contact a Kotak Life Advisor to find out more.

Source http://insurance.kotak.com/individual/child/head-start-child-assure.php

17Kotak Child Edu Plan

Financial support for childs education at various milestones Kotak Child Edu Plan provides financial support to the child to pursue his/her education without any worries by paying a guaranteed* amount equal to 125% of the basic sum assured. Edu Boosters will be paid at important milestones in the life of the child as described below: The above benefits shall be payable even in case of the parent's untimely demise, to ensure financial independence of the child.

Hence, there is no paucity of money at various stages of the childs education requirements. Edu Booster Policy Anniversary After the Childs Birthday 15 years 17 years 19 years 21 years Total Payout % of Basic Sum Assured 15% 20% 30% 60% 125%

Bonus payouts at maturity To ensure that your savings for your child earn returns, we pay out applicable bonuses to you at maturity, in addition to the last Edu Booster.

Comprehensive protection of life cover In the event of the life insureds unfortunate demise, this plan will support the child with the following benefits:

200% of sum assured paid immediately No obligation to pay future premium payments and policy continues as originally scheduled. The Edu Boosters will be paid as scheduled. All applicable bonuses will also be paid at maturity.

The life cover is designed in such a way to ensure that even after demise, the child gets all the benefits as intended. This will ensure that demise can never come in the way of your childrens future.

Enhanced protection from an accidental disability In the event of an accidental disability, your childs education need not suffer. Hence, we provide you the following benefits:

Future premium payment obligation ceases and policy continues as planned The Edu Booster will be paid as scheduled The applicable bonuses will be paid at maturity

Discount on higher cover choice We understand the importance of adequate protection. Hence, individuals who opt for basic sum assured of Rs 5,00,000 and above are provided a premium discount of Rs 2 per Rs 1000 basic sum assured.
Source http://insurance.kotak.com/individual/child/child-edu-plan.php

18Kotak Child Future Plan

Financial support through Future Boosters Kotak Child Future Plan provides financial support to your child to pursue his/her career without any worries. Future Boosters will be paid on the policy anniversary after the child attains certain milestone ages, as described below:

Future Booster Age of Child After Childs 23rd Birthday After Childs 25th Birthday Total Payout % of Basic Sum Assured 15% 110% 125%

The above benefits shall be payable even in case of life insured's accidental disability or untimely demise. This will ensure that the child is well supported at the crucial junctures where he is starting off his career.

Bonus payouts At the end of the policy term, the applicable bonuses accrued till the end of the policy term will be payable in addition to the last Future Booster. Thus, in addition to providing life insurance, it offers returns on the savings for your child.

A Comprehensive Life Cover In the event of life insureds unfortunate demise, this plan will support the child with the following benefits:

200% of sum assured paid immediately No obligation to pay future premium payments and policy continues as originally scheduled. The Future Boosters will be paid as scheduled. All applicable bonuses (if any) will also be paid at maturity.

The life cover is designed in such a way to ensure that even after demise, the child gets all the benefits as intended. This will ensure that demise can never come in the way of your childrens future.

Certainty of benefits even in case of an accidental disability

In case the life insured meets with an accidental disability, the following benefits is provided:

No obligation to pay future premium payments and policy continues as originally scheduled. The Future Boosters will be paid as scheduled. All applicable bonuses will also be paid at maturity.

Enhanced protection through optional riders You can enhance the protection for your family by taking additional riders which provide financial support in unfortunate events like accidental death and permanent disability. For detailed information on riders please refer to Individual Rider brochure.

Discount at higher levels of protection A high sum assured discount of Rs 2 per 1000. The sum assured will be offered to policies with sums assured larger than or equal to Rs 5,00,000. Thus, providing you with cost-effective rates for enhanced protection.
Source http://insurance.kotak.com/individual/child/child-future-plan.php

Retirement

19Kotak Capital Multiplier Plan

Accumulate bonuses on your account Bonuses are declared year-on-year in your account to ensure that the premiums paid by you earn returns and you are able to accumulate a substantial sum at a future date.

Get a planned corpus on maturity At maturity of the plan, you are entitled to the higher of the basic sum assured or the total amount built up in the accumulation account along with the bonuses declared on the policy. Thus, ensuring that you have accumulated enough to sustain yourself at phases like retirement.

15-year withdrawal period If you do not see any immediate utilisation of your maturity proceeds, you could let it stay invested with us for a maximum of 15 years after the maturity of the plan and it could function like a fixed deposit offering returns and liquidity to withdraw all your funds. This way you can withdraw money in phases to support various expenses that come your way.

Death benefit for the premium payment term and beyond In the event of death during the premium payment term (build up phase), the beneficiary would get the higher of basic sum assured or the total amount built up in the accumulation account. In addition, 10% of basic sum assured would also be given to the beneficiary. This would ensure that an unfortunate event like death can never hinder your familys financial well-being.

After the premium payment term, if you choose to use the 15-year withdrawal period facility, you would be eligible for a life cover of 10% of the basic sum assured and the balance in the accumulation account for that period, even though your plan term has been finished.

Choice to opt for early maturity (in case of ill health) In this plan, you can even opt for an early maturity citing ill health. For details refer to the brochure. This feature is to ensure that the long term nature of this plan does not come in the way for your needing financial support in case of medical emergencies.

Automatic Cover Maintenance to keep the plan going Future is uncertain and it is difficult to keep up with the obligation of premium payment year-onyear. Even if you miss a premium payment or two, you can still keep your account with the Automatic Cover Maintenance that applies after the 3rd policy year.

Additional Protection You can also opt for additional riders in order to safeguard yourself from eventualities like a critical illness, an accidental death, disability and permanent disability. These riders fortify your overall protection and ensure that you have peace of mind. Additional premiums apply with these riders. Read the rider brochure for more details and contact a Kotak Life Advisor for more.
Source http://insurance.kotak.com/individual/savings-invest/capital-multiplier-plan.php

20Kotak Lifetime Income Plan

Ensures financial independence post retirement Provides regular payouts to meet your post-retirement financial needs

Offers a wide range of income options suiting different retirement needs

Plan has four annuity options to suit various customer needs. You can choose the option that suits you best. Allows a range of annuity payout frequencies Monthly, quarterly, half-yearly and yearly income payment modes are offered to suit your financial needs
Source http://insurance.kotak.com/individual/retire/lifetime-income-plan.php 1

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Annual report www.kotak.com/annualreport2011-12/pdf/Kotak%20AR%202012.pd