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THIS PLAN, ON GAURENTEED RETURNS, IS AVAILBALE ONLY WITH THIS (TIED) CHANNEL / VERTICLE!                            NOT WITH ANY OTHER CHANNELS / VERTICLES OF KOTAK LIFE INSURANCE!                                                                                                                                                                                              THIS PLAN, ON GAURENTEED RETURNS, IS AVAILBALE ONLY WITH THIS (TIED) CHANNEL / VERTICLE!                           NOT WITH ANY OTHER CHANNELS / VERTICLES OF KOTAK LIFE INSURANCE!

"This is a combination solution consisting of Kotak Assured Income Plan and Kotak Lifetime Income Plan.
These products are also available without this combination solution."

Mrs. YOU,
Kotak Assured Income Plan, your second income, guarantees you an additional income every year for fixed 15 years. You also enjoy life cover for the entire policy term thereby protecting your family from any uncertainties. Kotak Lifetime Income Plan, An Immediate Annuity plan.
This Presentation specially designed for you! Mrs. You is a common name; we have shown here for the sake of convenience! This plan - Money Tree, can be customized to both male & female, as per their need.

Do you dream to have the best lifestyle for yourself and your family?
1. A special gift for your better half
2. A vacation with your family
3. I-pod for your child on birthday
4. New gadget to flaunt to your colleagues!
But all your dreams come with a price tag
How about a SECOND INCOME for a lifetime?
Mrs. YOU,
Second income lets you enjoy the best lifestyle you always dreamt of. Enjoy a second income for a lifetime!

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Kotak's Money Tree Plan has FOUR (4) Annuity Options to suit various customer needs.
You can choose the option that suits you best.
1. Life Time Income
2. Life Time Income with Cash Back
3. Life Time Income with Term Guarantee with Term 5/10/15/20 yrs
4. Last Surveyor Life Time Income
For a detailed understanding, you may call for FREE customized benefit illustrations.

After the first 10 yrs of your investment, and then you had started receiving guaranteed payment for 15 yrs, from the 15th year of commencement to the policy! Your Annual Income will start now.

Option 1:
Life time income: Regular Annuity. Your Annual Income will start now. From here on you will receive an annual income, every year during your lifetime. Promises to pay a regular stream of income throughout life that will be useful for covering day to day expenses to cease only on death. Best suited for people with no dependents

Option 2:
Life Time income with cash back Promises to pay a regular stream of income throughout life and pay the single premium back to the nominee on death to take care of family's financial needs. Best suited for people with dependents.

Option3:
Lifetime Income with a term guarantee: Promises to pay a regular stream of income for the guaranteed period (5/10/15/20 years as chosen) and the income continues for life in case of survival after the guaranteed period .Best suited for people with liabilities that will continue for a definite term

Option 4:
Last Surveyor Life Time Income. Promises to pay a regular stream of income throughout life and continues for the life of the spouse after annuitant's death. Best suited for people with spouse to provide for






Option 1: Desired Annuity:

Investment (From Age 31 - 41): Mrs. YOU, (age 31), at present when you are young, energetic and your income earning capacity is high, we propose that you save Rs. 95,944* (*Service tax extra) every year for the next 10 years in this solution.
This Money Tree Solution will provide an umbrella of security to your family by providing you with a life cover of Rs. 1,025,641 for the next 30 years.
Guaranteed Second Income (From Age 46 - 60): You will enjoy a constant stream of 15 yrs, payouts of Rs. 96,903 p.a. from Age 46 to 60. Enjoy guaranteed Second income of Rs.96, 903 from the end of 15th year to 29th year.
So what will be your second income, year on year?
Second Income (From Age 61 - Life Time):
After 30 years when you reach the golden age of 61 years, it's time for you to relax and reap the fruits of your savings.
Your income will start now.

From here on you will receive Rupees ONE Lakh, i.e:Rs.1, 00,000 every year during your lifetime.

Look for sample illustration-2

Note: The illustration shown is for annuity rates as on 16th September 2013. The pension will depend on annuity rates prevailing at the time of inception for actual pension payment. This is a combination solution consisting of Kotak Assured Income Plan and Kotak Lifetime Income Plan. These products are also available without this combination solution. Plans involved: Plan1: Kotak Assured Income Policy term 30yrs, Payment only 10 yrs, Yearly payment of Rs. 95,944/-, Sum assured of Rs.9,59, 440/- and maturity value of Rs 1,025,641/- Plan2: Kotak Lifetime Income Plan, Annuity option: Lifetime Income, Annuity mode: Yearly, Purchase price: Rs.10, 25,641 (*Service tax extra) annuity Income: Rs.1,00,000/-,p.a. You also get the additional benefit: We also provide you the option of withdrawal after the accumulation period of 30 years, if you do not wish to continue.

for more details meet your Kotak Life Advisor.


How this plan does work?

You have TWO (2) options to choose the style of investment. Either you may plan your future income, based on the today's need or life style OR you can re-work, what could be your NEED for the later stage of Life, Keeping in minds the same or just less equivalent or more equivalent Life style! In our opinion, the Second option, NEED based plan is best, since, you are earning now, and has the ability to save for the future!

Option2: Premium Budget wise.

Investment (From Age 31 - 41): Mrs. YOU, at present when you are young, energetic and your income earning capacity is high, we propose that you save Rs.1, 00,000* (*Service tax extra), every year for the next 10 years in this solution. This MONEY TREE solution will provide an umbrella of security to your family by providing you with a life cover of Rs. 1,069,000 for the next 30 years.
Guaranteed Second Income (From Age 46 - 60): You will enjoy a constant stream of payouts of Rs.101, 000 p.a. from Age 46 to 60.
Enjoy guaranteed Second income of Rs.101, 000 from the end of 15th year to 29th year
Second Income (From Age 61 - Life Time):
After 30 years when you reach the golden age of 61 years, it's time for you to relax and reap the fruits of your savings.

Your income will start now. From here on you will receive Rs.1, 04,228 every year during your lifetime.

Look for sample illustration-1

You also get the additional benefit:
We also provide you the option of withdrawal after the accumulation period of 30 years, if you do not wish to continue.
Note: The illustration shown is for annuity rates as on 16th September 2013. The pension will depend on annuity rates prevailing at the time of inception for actual pension payment. Products behind the solution plan1: Kotak Assured Income Plan, term 30 years, payment term 10 years, Yearly Rs.1,00,000,Sum assured of Rs. 10,00,000, And an maturity value of Rs.10,69,000/- (*Service tax extra),plan2: Kotak Lifetime Income Plan Lifetime Income Yearly Rs.1,04,228/-(*Service tax extra).

Tax Saving & Other Disclaimers:

Insurance is the subject matter of the solicitation.
This is a Unit-Linked non-participating plan

1) This combination solution comprises of set of policies across one or more products of the company. These products (Kotak Assured Savings Plan UIN No.: 107N081V01& Kotak Life Time Income Plan UIN: 107N047V02) are also available individually with the Company and it is not mandatory for me to apply for this combination only. Kotak Assured Savings Plan is a non-linked limited premium paying non-participating endowment plan. Kotak Life Time Income Plan is a non-linked non-participating annuity plan.
2) The benefits available under the combination solution shall be as per the respective product's policy terms and conditions.
3) The benefit of this combination solution shall become payable only if all premiums for the entire premium payment terms are paid in full, as the case may be.
4) Annuity rates are not guaranteed and are subject to change from time to time. The actual Annuity amount will depend on the prevailing annuity rates at the time of purchase of Annuity. The current illustration is based on Annuity Rates as on 16th Sept 2013.
5) The premium quoted is only basic premium. The actual premium shall comprise of basic premium, extra premium, if any, rider premium, if any, service tax And education cess, as per applicable rates. The tax laws are subject to amendments from time to time. Please refer Benefit illustration for the details of the actual premium amount.
6) Tax benefits on premiums paid and benefits received will be applicable as per the prevailing tax laws. Please consult your tax advisor for further details.
7) Insurance is the subject matter of solicitation.
8) For more details on risk factors, terms and conditions please read the sales brochure of "individual products" before concluding a sale.
9) You have the flexibility to choose any of the annuity options offered by the company at the time of vesting of the product and will be subject to availabilityOf product at that time.
10) Based on the combination option selected, after paying all premiums for the full premium payment term, the maturity amount will get automatically transferred to the identified annuity product.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

  • IRDA clarifies to public that IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

Kotak Mahindra Old Mutual Life Insurance Ltd.
Regn. No: 107,
Regd. Office: 4th Floor, Vinay Bhavya Complex,
159 A, CST Road, Kalina, Santacruz East, Mumbai: 400 098
Toll Free: 1800 209 8800 (8 am to 10 pm)
Website:http://insurance.kotak.com
Email: clientservicedesk@kotak.com


Kotak Assured Savings Plan UIN No.: 107N081V01,
Form No.N081:
Kotak Assured Income Plan UIN No.: 107N069V03,
Form No.: N069.
Kotak Life Time Income Plan UIN No.: 107N047V02,
Form No: N047. Ref No.: KLI/13-14/P-CL/302

Tax Saving & Other Disclaimers:
(Continued...) 11) You have option to withdraw the maturity amount in lump sum.
12) It will be your responsibility to contact the Company for any change in selection of any of the above mentioned options at the time of maturity. At the maturity additional confirmation including documents necessary at that time will be required for processing.
13) It will be your responsibility to contact the company for selection of any options available at the time of maturity. Lifetime income option will be the default option for annual income. At maturity additional confirmation including documents necessary at that time will be required for processing

/// Know about KOTAK LIFE INSURANCE.

  • 1.Kotak Mahindra group, offering wide range of Fin services.

    ..

    Kotak Mahindra group, offering wide range of Fin services.

  • 2: our journey, since inception.

    2: our journey, since inception.

  • 3:Kotak Life insurance plans as per IRDA guidelines.

    ..

    3:Kotak Life insurance plans as per IRDA guidelines.

  • 4:Kotak Life products - Revised, Improved, Customer Friendly.

    4:Kotak Life products - Revised, Improved, Customer Friendly.

  • 5: Core purpose - PALTS

    5: Core purpose - PALTS

  • 6:Invest with us.

    6:Invest with us.

  • 7:India's most respected private Life Insurance co.

    7:India's most respected private Life Insurance co.







Advertisement Disclaimers:
"This advertisement is designed for combination of benefits of two or more individual and separate products name Kotak Assured Income Plan and Kotak Lifetime Income Plan (as applicable) etc. The customer has the choice of purchasing any one or more product as per his/her need and choice and there is no compulsion whatsoever that these product are to be taken together as suggested by the insurer and presented in this advertisement. The customer is expected to ask questions, understand and satisfy himself that the condition meets his/her specific needs better before deciding to purchase the combination. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein"

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/// ARVIND V MANI. L.I.I.I. FChFP.

Mr. Arvind V Mani is an IrDA Certified Advisor, in Life Insurance. He is associated with Kotak Life Insurance. To promote the need for Life insurance Plans to CUSTOMER'S NEED BASE is his prime idea in promoting KOTAK LIFE INSURANCE Plans.

/// Contact info
POST BOX 5113, Rathinapuri Post, COIMBATORE 641027. T.N. India
mail to: kotaklife.arvind@gmail.com.

Phone: +91-9789450467
/// Stay in touch
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