Presentation specially

designed for

Mr. Ravikiran

Do you dream to have the best

lifestyle for yourself and your family?
>> A special gift for your better half
>> A vacation with your family
>> I-pod for your child on birthday

But all your dreams

come with a price tag

>> New gadget to flaunt to your colleagues

How about a
SECOND INCOME
for a lifetime?
Mr. Ravikiran, Second income lets you enjoy the best lifestyle you
always dreamt of.

Enjoy a second income for a lifetime

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.

Page 1 of 5

So what will be your second income, year on year?

Pay Rs. 110,186/-* per annum for
only 10 years.

.........

...

10

.................

15

30

31

Enjoy guaranteed Second income of Rs.

111,288 from the end of 15th year to 29th year

Investment
(From Age 41 - 51)

Mr. Ravikiran, at present when you

are young, energetic and your
income earning capacity is high,
we propose that you save Rs.
110,186* every year for the next 10
years in this solution. This solution
will provide an umbrella of security
to your family by providing you with
a life cover of Rs. 1,167,972 for the
next 30 years.

...................................

59

You will receive ANNUAL INCOME of Rs.

100,001/- throughout life and continues for the
life of your spouse after your death.

Guaranteed Second
Income

Second
Income

(From Age 56 - 70)

(From Age 71 - Life

Time)

You will enjoy a constant

stream of payouts of Rs.
111,288 p.a. from Age 56 to
70.

After 30 years when you reach

the golden age of 71 years, its
time for you to relax and reap
the fruits of your savings. Your
income will start now. From
here on you will receive Rs.
100,001 every year during
your lifetime. In case of any
unfortunate event, your
spouse will continue to receive
Rs. 100,001 for entire life.

*Service tax extra.

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.

The illustration shown is for annuity rates as on 1st June 2015. The pension will depend on annuity rates prevailing at the time of inception for
actual pension payment.

Page 2 of 5

Report Date : 07/09/2015

MySolutions : MoneyTree
Proposer Name : Mr. Ravikiran

Spouses Age : 32 yrs.

Proposer's Age : 41 yrs.

Benefit Illustration
End Of
Year

Age

Annual
Premium*

Death
Benefit

Annual
Income

Maturity

Annuity

42

110,186

1,167,972

43

110,186

1,167,972

44

110,186

1,167,972

45

110,186

1,167,972

46

110,186

1,167,972

47

110,186

1,167,972

48

110,186

1,167,972

49

110,186

1,167,972

50

110,186

1,167,972

10

51

110,186

1,167,972

11

52

1,167,972

12

53

1,167,972

13

54

1,167,972

14

55

1,167,972

15

56

1,167,972

111,288

16

57

1,167,972

111,288

17

58

1,167,972

111,288

18

59

1,167,972

111,288

19

60

1,167,972

111,288

20

61

1,167,972

111,288

21

62

1,167,972

111,288

22

63

1,167,972

111,288

23

64

1,167,972

111,288

24

65

1,167,972

111,288

25

66

1,167,972

111,288

26

67

1,167,972

111,288

27

68

1,167,972

111,288

28

69

1,167,972

111,288

29

70

1,167,972

111,288

30

71

1,167,972

1,166,870

31 lifetime

71 lifetime

100,001

*Service tax extra

Page 3 of 5

Products behind the solution

Product 1
Kotak Assured Income Plan

Policy
Term

Payment
Term

Payment
Mode

30

10

Yearly

Modal Premium *
110,186

Sum
Assured

Maturity

1,101,860

1,166,870

*Service tax extra

Annuity
Option

Annuity
Mode

Purchase
Price *

Annuity
Income

Last Survivor Lifetime

Income

Yearly

1,166,870

100,001

Product 2
Kotak Lifetime Income Plan
*Service tax extra

Tax Saving

u/s 80 CCE
Policy
Year

Basic
Premium*

Eligible Amount

Tax Benefit @
30.9%

Net Premium

110,186

110,186

34,047

76,139

110,186

110,186

34,047

76,139

110,186

110,186

34,047

76,139

110,186

110,186

34,047

76,139

110,186

110,186

34,047

76,139

110,186

110,186

34,047

76,139

110,186

110,186

34,047

76,139

110,186

110,186

34,047

76,139

110,186

110,186

34,047

76,139

10

110,186

110,186

34,047

76,139

Total

1,101,860

761,390

*Service tax extra

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.

Other Disclaimers:
1) This combination solution comprises of set of policies across one or more products of the company. These products (Kotak Assured Income Plan UIN
No.: 107N069V03 & Kotak Lifetime Income Plan UIN: 107N047V02) are also available individually with the Company and it is not mandatory for me to apply
for this combination only.
2) The benefits available under the combination solution shall be as per the respective products policy terms and conditions.
3) The benefit of this combination solution shall become payable only if all premiums for the entire premium payment term 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 1st June 2015.
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

Page 4 of 5

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) Kotak Assured Income Plan is a non-linked non-participating savings cum protection anticipated endowment plan. Kotak Lifetime Income Plan is a nonlinked non-participating annuity plan.
9) For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding sale.
10) You have the flexibility to choose any of the annuity options offered by the company at the time of vesting of the product i.e. start of the annuity phase of
the combo solution.
11) 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 and the default annuity option will be Lifetime Income Annuity.
12) You have option to withdraw the maturity amount in lump sum.
13) 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.

To know the details of each plan of this combination solution, please go through the benefit illustrations of individual products as provided to you.

"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."

Kotak Assured Income Plan UIN No.: 107N069V03, Form No.: N069. Kotak Lifetime Income Plan UIN No.: 107N047V02, Form No: N047.
Ref No.: KLI/13-14/P-CL/302
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 | Email: clientservicedesk@kotak.com | Toll Free No. - 1800 209 8800000

Page 5 of 5

Customer Declaration Form - MySolutions

I/we Ravikiran request you to process the Proposal Numbers ___________________. I declare and understand that I have opted for the
Combination Solution 'MoneyTree' offered by Kotak Life Insurance consisting of following separate products:
1. Kotak Assured Income Plan
2. Kotak Lifetime Income Plan

I understand that this combination solution comprises of set of policies across one or more products of the company. I have been made aware that
these products are also available individually with the company and it is not mandatory for me to apply for this combination only.
I have separately gone through the product brochure of the above products and have taken the decision to opt for this combination solution after
having fully understood the risk factors, product terms and conditions.
I understand that the benefit of this combination solution shall become payable only if I continue to pay premiums for the entire policy term /
premium payment term.
I understand that the annuity rates are not guaranteed and hence 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.
I understand that, I shall have the flexibility to choose any of the annuity options offered by the company at the maturity of base plan i.e. start of the
annuity phase of the combo solution.
I understand that based on the combination option selected after paying all premiums for the full term / premium payment term, the maturity
amount will get automatically transferred to the identified annuity product and the default annuity option will be Lifetime Income Annuity.
I also understand that I have option to withdraw the maturity amount in lump sum.
I understand that, it will be my 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 necessary documents at that time will be required for processing.
The Above will be governed by IRDAI regulations and available options during the term of contract.

Date: ___________________________

Place: ___________________________
Signature of Life Assured
(If different from Proposer)

Signature of Proposer

Section 41 of the Insurance Act, 1938 states:

1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an
insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or
any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate,
except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.
2. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakhs
rupees.
Section 38, 39 & 45 of the Insurance Act, 1938 states:
The above Proposal will be governed by the provisions of Section 38, Section 39 and Section 45 of the Insurance Act, 1938 and amendments
thereto from time to time.

Kotak Mahindra Old Mutual Life Insurance Ltd.,

CIN: U66030MH2000PLC128503. Regn. No.: 107, Regd. Office: 4th Floor, Vinay Bhavya Complex, 159A, C.S.T. Road, Kalina, Santacruz(East), Mumbai
400 098. Website: http://insurance.kotak.com Email: clientservicedesk@kotak.com. Toll Free No. - 1800 209 8800.
Insurance is subject matter of solicitation.