You want to see your family secured and happy at all times. You try your best to fulfill all the responsibilities, however, life is unpredictable. To protect your families against such adversities of life and to ensure that they are able to cope with any financial obligations, should anything happen to you, Kotak Life Insurance offers to you Kotak Preferred E-Term plan. Kotak Preferred E-Term plan is a pure risk cover that provides you with a high level of protection at an economical price. It comes with a disability advantage where in case of an unfortunate event if you are disabled during the Premium Payment Term your future basic premiums are waived and the plan continues.

2. FAMILY
SECURITY
CHILD’S
EDUCATION
CHILD’S
MARRIAGE
RETIREMENT
WHY TERM INSURANCE PLAN?
LIFE EXPECTANCY HAS GONE UP BUT SO HAS DEATHS
AMONG YOUNG ADULTS
INCREASED
1.36 TIMES
LIFE EXPECTANCY HAS INCREASED
BY 5 YEARS
MALES FEMALES
67.3
YEARS
DEATH OF YOUNG ADULTS
69.6
YEARS
WHY BUY NOW?
NEEDSRATES
NEEDS CHANGE THROUGHOUT LIFE
PREMIUM RATES INCREASE WITH
AGE, HEALTH & OTHER FACTORS
Source - * Economic Times-2012.

3. WHAT SHOULD BE YOUR LIFE COVER ?
HAVE YOU BOUGHT A
An insurance policy should cover till the age you intend to work.
Till a few years ago, this was 60 years. However, a person may
continue working beyond the age of 60.
Experts believe a person needs a live cover till at least 65 years.
* COST OF INFLATION
THE VALUE OF RS. 50
LAKH WILL ONLY BE RS.
28 LAKH (APPROX.) AFTER
10 YEARS ASSUMING AN
INFLATION OF JUST 6%.
RS.50LAKH COVER
AND THINK IT IS SUFFICIENT
FOR YOU?
THINK AGAIN.
WHAT WILL BE THE VALUE OF
RS.50LAKH after 10 Years?
* TILL WHEN DO YOU NEED THE COVER?
Source - * Economic Times-2012. ** CNN Money
** LIFE COVER THUMB RULE
As a thumb rule it’s suggested that you should
have an income cover of around 7 to 10
times of your annual income.
Younger the age, higher will be the multiple.
`

4. WHO SHOULD BUY A TERM PLAN ?
LIFE IS EXPENSIVE. BUT DEATH CAN BE EVEN MORE COSTLY FOR THE FAMILY.
DON’T LEAVE YOUR LOVED ONES UNPROTECTED.
LIFE INSURANCE ALLOWS YOUR LOVED ONES TO GRIEVE WITHOUT FINANCIAL WORRY.
Male, 25 – 45 Yrs of Age
Socio Economic Class (SEC)- AB
Income > 6 Lakh PA
Has Loan Liabilities like Housing, Personal etc.
Has Credit Card Liabilities
Is goal oriented and looking for securing his family from future uncertainties..
THETERMINSURANCEBUYER

5. WHY ONLINE TERM PLAN?
x
QUICK AND HASSLE
FREE BUYING
CHEAPER.
NO MIDDLE MAN INFACE
LEADING TO COST BENEFIT
TRANSFER
YOU KNOW WHAT
YOU ARE BUYING

6. WHAT DOES AN ORDINARY TERM PLAN OFFER YOU?
THIS IS WHAT AN ORDINARY TERM PLAN OFFERS
BUT ARE YOU COMPLETELY PROTECTED?
HIGH COVER AT
A LOW COST
QUICK AND EASY
BUYING PROCESS
LUMP SUM ON
CLAIM SETTLEMENT
`

7. PRESENTING A TERM PLAN THAT OFFERS ALL THAT
YOUR ORDINARY TERM PLAN OFFERS YOU PLUS
WAIVER OF PREMIUM ON TOTAL & PERMANENT DISABILITY
A Plan that adds EXTRA to the Ordinary.

8. OVERVIEW OF THE KOTAK PREFERRED ETERM PLAN
LAUNCHED IN DEC 2014
AS A FAST & CONVENIENT WAY OF BUYING
LIFE INSURANCE
A DIRECT B2C CHANNEL
ONLINE PRODUCT WITH NO INTERMEDIARY
IN BETWEEN
SOURCED APPROX.
2941 PROPOSALS ONLINE till June 2015

9. KEY HIGHLIGHTS
Long term cover for 40 years
Inbuilt Total & Permanent Disability Benefit
KK-Your Online e-Advisor
Affordable Pricing
Convenient Claim Pay-out Options
Anywhere, On any Device
Preferential rates for non-smoker
and female lives.

10. SAMPLE PREMIUM PRICING*
SUM ASSURED AGE (IN YEARS)
25 30 35 40 45 50
Male - Smoker
45, 65732, 40522, 85716, 47312, 91110, 7731 Cr.
28, 13020, 12114, 33610, 4598, 4087, 3251 Cr.
Male - Non Smoker
Female-Non Smoker
23, 59816, 87212, 1138, 9497, 3536, 4131 Cr.
DISCLAIMER: * The above are annual premium rates for regular premium paying option and for immediate payout. The policy term is 60 years minus entry age. The above
premium rates are inclusive of service tax and cess (@14%)

11. UNIQUE FEATURE
TOTAL & PERMANENT DISABILITY BENEFIT
In case of a situation where the Life Insured becomes total
and permanently disable, all the future premiums payable
will be waived off and the policy will continue, so that the
family remains protected.

12. CLAIM PAYOUT OPTIONS
Sum Assured paid out as
lumpsum on Death of the Life
Assured
IMMEDIATE PAYOUT RECURRING PAYOUT
10% of sum assured paid on death,
remaining amount paid annually @6% for
next 15 years.
Nominee will have the option to draw down
at a monthly frequency as well.
Kotak Life Insurance understands that Income of an earning member may not be easy to replace.
For Claims Pay-out, there are two Plan options to choose from.

13. RECURRING PAYOUT**
10L
10% in 1st Year Remaining over next 15 yrs as yearly or monthly income payout (INR 49, 320 approx.)
6L per year or 50K per month for the next 15 years
For example, if the Nominee received 1 Cr. as a Sum Assured, 10 Lakhs is given as lump sum
Recurring payments help you in lesser premium for the same cover
The balance 90 Lakhs is paid over 15 years as a Monthly or Yearly Income Payout as opted by the nominee
Disclaimer: ** This is merely a representation of recurring payouts and doesn’t correspond to the actual occurrence of incident.

14. OTHER FEATURES
OTHER FEATURES
Long term protection with a Policy Term up to 40 years of age
Maximum Maturity Age up to 75 years of age
Option to pay premium regularly / limited period / lumpsum once, as per financial suitability
Lower Premiums for Female Lives & Non Tobacco users.
Easy & Hassle free buying through http://insurance.kotak.com/e-Insurance

15. KOTAK PREFERRED ETERM
PLAN OVERVIEW
PRODUCT FEATURES
18-65Entry Age
75 YearsMaximum Maturity Age
25 LakhsMinimum Basic Sum Assured
10-40 YearsPolicy Term
Regular, Limited and SinglePremium Payment Term
Yearly & MonthlyPremium Payment Mode
For female and non-smoker livesPreferential Rates
Inbuilt Permanent Disability BenefitInbuilt Benefit
1. Immediate Payout
2. Recurring Payout
Plan Options

16. CHOOSING THE
RIGHT PARTNER

17. KOTAK MAHINDRA GROUP
A RENOWNED BRAND MORE THAN 28 YEARS OF EXPERIENCE, OFFERING A
WIDE RANGE OF SOLUTIONS ACROSS THE FINANCIAL SERVICES SPECTRUM
Kotak Mahindra
Bank Ltd.
Kotak Mahindra
Mutual Life Insurance Ltd.
Kotak
Securities Ltd.
Kotak Mahindra
Capital Company Ltd.
Kotak
Mahindra Prime Ltd.
Kotak Mahindra
Investment Ltd.
Kotak Mahindra Asset
Management Company Ltd.
KOTAK GROUP
COMPRISES OF

18. Joint venture gives us the
financial expertise of
Kotak Mahindra Group
KOTAK LIFE INSURANCE
International exposure of
more than 160 years of
Old Mutual
&
WIDE PRESENCE
Disclaimer: Trade Logos displayed above belong to Kotak Mahindra Old Mutual Life Insurance
Limited’s promoting partners Kotak Mahindra Bank Limited and Old Mutual plc and are used by Kotak
Mahindra Old Mutual Life Insurance Limited under license.

19. CREDENTIALS OF KOTAK LIFE
1,291Cr.
NET WORTH*
15,191Cr.
AUM*
7 Years
PROFITABLE
IN A ROW**
97.65%
CLAIMS RATIO ***
Over 1.08Cr.
LIVES COVERED #
Over 5842
EMPLOYEES
SOURCE: *As per investor relation earning update FY 14-15.** As per financial disclosure of last 7 Years (FY08-09 to FY 14-15). *** As per IRDAI Public Disclosure for
the Financial Year 2013-14. # Lives cover as on Mar 31st 2015. 6- An independent study conducted by Business World IPSOS as part of “India’s Most Respected
Companies Survey 2013. 7. As per the Golden Peacock Awards Secretariat instituted by the Institute of Directors a non-profit apex body of directors registered in India for
the period FY 2014-15.
7

20. OUR FAMILY
COME LETS PLEDGE TO SECURE
THE ONES WHO MATTER THE MOST…..

21. DISCLAIMER
Trade Logos displayed above belong to Kotak Mahindra Old Mutual Life Insurance Limited’s promoting partners Kotak Mahindra Bank Limited and Old Mutual plc
and are used by Kotak Mahindra Old Mutual Life Insurance Limited under license.
Tax Benefits under Section 80C of the Income Tax Act, 1961 are subject to change in tax laws. Please contact your tax advisor for further details.
Insurance is the subject matter of solicitation. This is a non-participating pure protection online life insurance plan. For sub-standard lives, extra premium may be
charged based on KLI’s underwriting policy. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
Kotak Mahindra Old Mutual Life Insurance Ltd., CIN: U66030MH2000PLC128503, Regn. No.: 107.
Regd.Office: 4th Floor, Vinay Bhavya Complex, 159A, C.S.T. Rd., Kalina, Santacruz (East), Mumbai - 400098.
Website: http://insurance.kotak.com I Email: clientservicedesk@kotak.com I Toll Free No. - 1800 209 8800.
Kotak Preferred e-Term Plan, UIN : 107N090V01, Form No. - N090, Ref. No: KLI/15-16/E-PPT/108
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS
IRDAI clarifies to public that:
• IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
• IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number