Term Insurance Plans Kotak e-Preferred Term Plan Kotak e-Term Plan Kotak Term Plan Kotak Preferred Term Plan Kotak Saral Suraksha PlanUnit Linked Insurance Plans - ULIPs Kotak Wealth Insurance Plan Kotak Headstart Child Assure Plan Kotak Invest Maxima Kotak Single Invest Advantage Plan Kotak Platinum Plan Kotak Ace Investment PlanMoney Back Plan Kotak Assured Income PlanPension Plan Kotak Lifetime Income PlanKotak e-Preferred Term Plan

e-Preferred Term Planis anonlineversion of preferredterm planfrom Kotak Life Insurance Company where the nominee gets the Sum Assured as death benefit if the life insured dies within the policy tenure but nothing would be paid to the policyholder if the life insured survives. Thus this policy can be purchased without any agent intervention and hence has low and affordable premiums.Key Features of Kotak e-Preferred Term Plan It is a pure Term Insurance Policy for Rs 25 lakhs and above with Death Benefit only and no Maturity Benefit, which can be purchased online without any agent intervention. Option to move to other non-term plans of Kotak Life Insurance. Option to Step Up the life cover on any event without any medical underwriting with an additional premium. On Marriage- 50% of the Sum Assured can be increased. House Purchase- 50% of the Sum Assured can be increased. Birth or Legal Adoption of a child- 25% of the Sum Assured can be increased. On 1st, 3rd and 5th policy anniversary- 25% of the Sum Assured can be increased. This option can be exercised at one or more of the events listed above, provided your total revised Sum Assured is not more than 3 times your original Sum Assured. The policy can be Stepped Down also if further increase in sum assured is not required. Non-smoker and women discounts are available.Kotak e-Term Plan

E-Term Planis anonlineversion of pure term plan fromKotak Life Insurance Companywhere the nominee gets the Sum Assured as death benefit if the life insured dies within the policy tenure but nothing would be paid to the policyholder if the life insured survives. Thus this policy can be purchased without any agent intervention and hence has low and affordable premiums.Key Features of Kotak e-Term Plan It is a pure Term Insurance Policy with Death Benefit only and no Maturity Benefit, which can be purchased online without any agent intervention. Option to move to other non-term plans of Kotak Life Insurance. Option to Step Up the life cover on any event without any medical underwriting with an additional premium. On Marriage- 50% of the Sum Assured can be increased. House Purchase- 50% of the Sum Assured can be increased. Birth or Legal Adoption of a child- 25% of the Sum Assured can be increased. On 1st, 3rd and 5th policy anniversary- 25% of the Sum Assured can be increased. This option can be exercised at one or more of the events listed above, provided your total revised Sum Assured is not more than 3 times your original Sum Assured. The policy can be Stepped Down also if further increase in sum assured is not required. Kotak Life Insurance Term Plan Kotak Term Planis a pureterm planfromKotak Life Insurancecompany where the nominee would get the Sum Assured as death benefit if the life insured dies within the policy tenure but nothing would be payable to the policyholder if the life insured survives. Hence there is no maturity or survival benefit in this case. Key Features of Kotak Term Plan It is a pure Term Insurance Policy with Death Benefit only and no Maturity Benefit Women discount is available 3 additional riders are available Option to move to other non-term plans of Kotak Life InsuranceKotak Preferred Term Plan

Kotak Preferred Term Planis another pure term plan from Kotak Life Insurance but for elite customers only who require very high sum assured. In this plan also, like any other term plan, the nominee would get the sum assured if the life insured dies within the policy tenure and nothing is payable to him on maturity.Key Features of Kotak Preferred Term Plan It is a pure Term Insurance Policy with Death Benefit only and no Maturity Benefit Non-smoker and Women discounts are available in this policy 3 additional riders are available Option to move to other non-term plans of Kotak Life Insurance is also available at any time except the last 5 years of the policy. Kotak Saral Suraksha Plan Kotak Life Saral Surakshais one of the simplest pure Term Plans from Kotak Life Insurance company where the nominee would get the Sum Assured as death benefit if the life insured dies within the policy tenure but nothing would be payable to the policyholder if the life insured survives. Hence there is no maturity or survival benefit in this case. Premium can be paid one time or over 5 years but benefit remains for 5 years or 10 years as chosen. Key Features of Kotak Saral Suraksha Plan It is a pure Term Insurance Policy with Death Benefit only and no Maturity Benefit No Medical Tests would be required for this plan It has minimum documentation requirement. Surrender Benefit is available to Single Premium Policies only Kotak Assured Income PlanKotak Assured Income Planis a Traditional Non-Participating Money Back Plan. Thus, it is a non-linked insurance plan without Bonus facility.How it worksIn this plan, premium needs to be paid for a fixed tenure of 15 years while the policy continues for 30 years. However, from end of the 10thpolicy year onwards, a percentage of the Sum Assured is paid out to the Life Insured till the end of the Policy Term as long as the Life Insured is alive.The Survival Benefit is calculated according to the Annual Premium. There is also a Maturity Benefit of 104% to 110% of the Sum Assured at the end of the Policy Term.However, if the Life Insured dies within the policy tenure, the Sum Assured is immediately paid as Death Benefit, irrespective of the amount already paid out and the policy terminates.There are 4 additional riders available in this plan.Key Features of Kotak Assured Income Insurance Plan This isa Traditional Money Back Plan without Bonus facility This plan offers Guaranteed Payout every year for a period of 20 years This plan also offers 104% to 110% of the Sum Assured as Maturity Benefit If the Life Insured dies within the policy tenure, the Sum Assured is immediately paid as Death Benefit, irrespective of the amount already paid as Death Benefit There are 4 additional riders with this planKotak Lifetime Income PlanKotak Lifetime Income Planis an Immediate Annuity Plan. It is a Traditional Plan without Bonus facility.How it works In this plan, premium needs to be paid in a lumpsum while the annuity can be enjoyed for lifetime.There are 4 options for annuity in this plan: Life Annuity- In this option, Annuity will continue till the death of the policyholder and nothing further is payable. This option is called Lifetime Income in this plan. Joint Life Annuity- In this option, Annuity will continue till the death of the last survivor of the policyholder or his spouse. This option is called Last Survivor Lifetime Income in this plan. Annuity Certain- In this option, Annuity will continue at least for 5/10/15/20 years as chosen by the policyholder and then till the death of the policyholder. This option is called Lifetime Income with a Term Guarantee in this plan. Life Annuity with Return of Purchase Price- In this option, Annuity will continue till the death of the policyholder and then the single premium paid at the policy inception would be paid to the nominee as Death Benefit. This option is called Lifetime Income with Cash-Back in this plan.Annuity can be taken monthly, quarterly, half-yearly or yearly but once it has been selected, it cannot be changed.Key Features of Kotak Lifetime Income Policy It is an Immediate Annuity plan Premium needs to be paid upfront while pension continues forever There are 4 options for Annuity in this plan Lifetime Income Last Survivor Lifetime Income Lifetime Income with a Term Guarantee Lifetime Income with Cash-Back The rate at which the Income option is issued is guaranteed for life. Income option, once selected, cannot be changed thereafter Annuity can be taken monthly, quarterly, half-yearly or yearlyKotak Wealth Insurance PlanKotak Wealth Insurance Planis a unit linked insurance plan (ULIP) such that if the Life Insured dies within the policy tenure, the nominee would receive Triple Death Benefit. The nominee would receive Sum Assured, Fund Value and Lump Sum Benefit of all future premiums paid.This plan has the unique feature of Death Benefit payment when the Life Insured and the Policyholder dies, in case they are separate. So for example, if a person takes the policy for his wife, then he is the policyholder who pays the premium and his wife is the Life Insured, on whose name the policy has been issued. Now, if he dies within the policy tenure, then aLump Sum Benefitwould be paid since the payor is not alive anymore. And in case, if the Life insured, i.e. the wife dies, then the beneficiary would get Sum Assured plus Fund Value as Death Benefit of the Life Insured.Key Features of Kotak Wealth Insurance PlanUnit linked insurance plan where the investment risk is borne by the policyholderOffers a unique feature of Triple Death BenefitDeath Benefit is available even on death of the policyholder if different from the life insured.Comes with option of shorter premium payment termKotak Headstart Child Assure PlanKotak Headstart Child Assure Planis a unit linked insurance plan (ULIP) for the benefit of achild, where the parent is the Life Insured. In this plan if the Life Insured, i.e. the parent dies within the policy tenure, the nominee, i.e. the child would receive the higher of Sum Assured or 105% of all premiums paid till date as Death Benefit to address the immediate needs of the family. The future premiums would also be paid by the company such that the Fund Value would also be paid out on maturity of the policy. Hence the Fund Value would be paid out in all circumstances.Key Features of Kotak Headstart Child Assure PlanThis plan is a Unit Linked Insurance Plan without BonusDeath Benefitis higher of Sum Assured or 105% of all premiums paid and future premiums are waived off to pay Maturity Benefit as well.Maturity Benefitis Fund Value which is payable when the Policy Term ends.This policy has1 inbuilt ridernamely Premium Waiver Benefit rider.This policy has4 additional ridersavailable with this planThere are8 fundsfor investment purposeKotak Invest Maxima Insurance PlanKotak Invest Maximais a unit-linked insurance plan (ULIP) with no premium allocation charges. ULIPs are a great choice for customers who want to invest in insurance cum investment products. The features of this Ulip is that there is zero premium allocation charge, flexible payment options-regular, survival units, limited or single premium, additional protection through optional riders.Kotak Invest Maxima allows you to maximize your investments over a long period of time. The premiums paid by you (less any deductions) are invested in your choice of funds, and the company allocates units to you. If you wish to manage investments on your own, then you can opt for Self Managed Fund. If you dont want to manage it on your own, then opt for Systematic Switching.It is important to know that the premiums paid in unit-linked insurance plans are subject to market fluctuation risks and this risk has to be borne by the policy holder.Key Features of Kotak Invest Maxima Insurance PlanNo premium allocation chargeFlexible premium payment option single premium, regular premium or limited premiumChoose from 2 portfolio strategies Systematic or Self ManagedOptional riders for additional protectionSurvival units are paid up to 2% of Fund Value starting from 10thyear and once every 5th year thereafterKotak Invest Maxima Insurance PlanKotak Invest Maximais a unit-linked insurance plan (ULIP) with no premium allocation charges. ULIPs are a great choice for customers who want to invest in insurance cum investment products. The features of this Ulip is that there is zero premium allocation charge, flexible payment options-regular, survival units, limited or single premium, additional protection through optional riders.Kotak Invest Maxima allows you to maximize your investments over a long period of time. The premiums paid by you (less any deductions) are invested in your choice of funds, and the company allocates units to you. If you wish to manage investments on your own, then you can opt for Self Managed Fund. If you dont want to manage it on your own, then opt for Systematic Switching.It is important to know that the premiums paid in unit-linked insurance plans are subject to market fluctuation risks and this risk has to be borne by the policy holder.Key Features of Kotak Invest Maxima Insurance PlanNo premium allocation chargeFlexible premium payment option single premium, regular premium or limited premiumChoose from 2 portfolio strategies Systematic or Self ManagedOptional riders for additional protectionSurvival units are paid up to 2% of Fund Value starting from 10thyear and once every 5th year thereafterKotak Single Invest Advantage PlanKotak Single Invest Advantage Planis a Single Premium Unit Linked Plan. Thus, it is a Linked Insurance Plan without Bonus facility.How it works In this plan, premium needs to be paid in a Lumpsum as it is a Single Premium Plan. This plan provides Loyalty Additions of 2.25% to 3% of the last 3 years average Fund Value.There are 2 Options for choosing Death Benefit in this plan: Option I -Basic Sum Assured = 5 X Single Premium paid. Thus, if the Life Insured dies within the first year of the Policy Tenure, Death Benefit payable is higher of Basic Sum Assured or Fund Value. However, if the Life Insured dies in any year from 2nd Policy Year onwards, then Death Benefit payable is higher of 25% of Basic Sum Assured or Fund Value Option 2 -Basic Sum Assured = 1.25 X Single Premium paid. Thus, if the Life Insured dies in any year within the Policy Tenure, the Death Benefit payable is higher of Basic Sum Assured or Fund Value.However, when the policy matures, the entire Fund Value is paid to the policyholder as the Maturity Benefit and the policy terminates.There are 8 Funds in this plan for Investment Purpose.Key Features of Kotak Single Invest Advantage Insurance Plan This isa non-Traditional Unit Linked Plan without Bonus facility Thus, in this plan, premium needs to be paid in a Lumpsum. There is Loyalty Additions in this plan: 2.25% for Premium of Rs 50,000 to Rs 1,99,999 3% for Premium more than Rs 2,00,000 The Loyalty Additions are calculated as a % of the Average Fund Value of the last 3 policy years In this plan, there are 2 options for choosing Death Benefit In this plan, there are 8 funds for investment purposeKotak Platinum PlanKotak Platinum Unit Linked Insurance Planis a simple Unit Linked Insurance Plan or ULIP. Thus, it is a Non-Traditional Insurance Plan without Bonus facility.How it works In this plan, premium needs to be paid for the entire policy tenure under Regular Payment Option or for a limited period for Limited Payment Option.There are 8 funds for investment purpose. There are Loyalty Additions in this plan every 5 years starting from the end of the 10 policy year onwards which is equal to 2% of the Average Fund Value. There are additional riders in this plan as well, for enhanced coverage.The Fund Value, inclusive of all Loyalty Additions, is paid at the end of the policy tenure as Maturity Benefit. However, if the Life Insured dies within the policy tenure, higher of the Sum Assured or the Fund Value is paid to the nominee as Death Benefit.Key Features of Kotak Platinum Insurance Plan It is a Unit Linked Insurance Plan without Bonus There is Regular and Limited pay option in this plan There are 8 funds for investment purpose There are Loyalty Additions in this plan every 5 years starting from the end of the 10 policy year onwards Loyalty Additions in this plan is equal to 2% of the Average Fund Value On survival till the end of the Policy Tenure, the Fund Value, inclusive of Loyalty Additions is paid to the policyholder as Maturity Benefit In case of death of the Life Insured within the Policy Tenure, higher of the Sum Assured or the Fund Value is paid to the nominee as Death Benefit There are additional riders in this planKotak Ace Investment PlanKotak Ace Investment Unit Linked Insurance Planis a Unit Linked Insurance Plan or ULIP. Thus, it is a Non-Traditional Insurance Plan without Bonus facility.How it works In this plan, premium needs to be paid for 5 years for Policy Term of 10 years and for 10 years for Policy Term of 15, 20, 25 and 30 years under Limited Payment Option and equal to Policy Term under Regular Payment Option.There are 8 funds for investment purpose and host of additional riders for enhanced coverage.On survival till the end of the Policy Tenure, the Fund Value is paid at the end of the policy tenure as Maturity Benefit and the policy terminates.However, if the Life Insured dies within the policy tenure, higher of the Sum Assured or the Fund Value is paid to the nominee as Death Benefit.Key Features of Kotak Ace Investment Insurance Plan It is a Unit Linked Insurance Plan without Bonus There is Regular and Limited pay option in this plan There are 8 funds for investment purpose On survival till the end of the Policy Tenure, the Fund Value is paid to the policyholder as Maturity Benefit In case of death of the Life Insured within the Policy Tenure, higher of the Sum Assured or the Fund Value is paid to the nominee as Death Benefit There are additional riders in this plan