Disclaimer

Kotak e-Term, UIN: 107N129V03, Kotak Critical Illness Plus Benefit Rider - 107B020V02. This is a non-participating non-linked life individual pure risk product. For sub-standard lives, extra premium may be charged based on Kotak Mahindra Life Insurance Company’s underwriting policy. Please refer to the Policy Document for specific details on all terms and conditions. For more details on riders please read the Rider Brochure. Plan Options & Payout Options needs to be selected at policy inception. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.

For Ref No. KLI/24-25/E-WB/1038

^’Kotak Critical Illness Plus Benefit Rider.In case of diagnosis with any one of the 37 Critical Illnesses specified under Kotak Critical Illness Plus Benefit Rider, the Rider shall terminate post Rider Sum Assured has been paid to the Life Insured, and the Base Plan shall continue for the remaining policy term. In case the life insured undergoes Angioplasty, minimum of Rs. 5 lacs or Base Rider Sum Assured will be payable and the remaining rider sum assured (if any) shall continue for the remaining 36 Critical Illnesses. This Rider shall terminate once 100% of the Rider Sum Assured has been paid or on the completion of the Rider Benefit Term, whichever is earlier. For more details on riders, please read the Rider Brochure.

^*Get your premiums back through Special Exit Value, under your policy, if your policy term is:

40 years: Earlier of 25th policy year OR during the policy year, when you attain 60 years

More than 40 years: Earlier of 30th policy year OR during the policy year, when you attain 60 years

^*Free Medical Checkup every 5th year starting from 5th policy year onwards

For Ref No. KLI/24-25/E-BB/1130

^{^}The above illustration is for an 18-year-old healthy male, non-smoker who has opted for the Life Option with a 40-year policy term with regular premium payment option, Level Recurring Payout Option and Sum Assured on Death of Rs.2Crore. The per month premium is Rs.950 [Rs.10,800 Annualized Premium X modal factor 8.80% = Rs.950.40]. The premium is assuming the policy is bought Online and the customer has not purchased any policy from Kotak Life Insurance. The above premium figures are exclusive of Goods and Services Tax and Cess. Goods and Services Tax and Cess thereon shall be charged as per the prevalent tax laws over and above the said premiums. Annualized Premium is the premium payable in a policy year, excluding the underwriting extra premiums, loadings for modal premium, Goods and Services Tax and Cess, as applicable and Rider Premium, if any.

For Ref No. KLI/24-25/E-BB/1132

^{^}The above illustration is for an 18-year-old healthy male, non-smoker who has opted for the Life Option with a 40-year policy term with regular premium payment option, Level Recurring Payout Option and Sum Assured on Death of Rs.2Crore. The per month premium is Rs.950 [Rs.10,800 Annualized Premium X modal factor 8.80% = Rs.950.40]. The premium is assuming the policy is bought Online and the customer has not purchased any policy from Kotak Life Insurance. The above premium figures are exclusive of Goods and Services Tax and Cess. Goods and Services Tax and Cess thereon shall be charged as per the prevalent tax laws over and above the said premiums. Annualized Premium is the premium payable in a policy year, excluding the underwriting extra premiums, loadings for modal premium, Goods and Services Tax and Cess, as applicable and Rider Premium, if any.

For Ref No. KLI/24-25/E-BB/1134

^{^}The above illustration is for an 18-year-old healthy male, non-smoker who has opted for the Life Option with a 40-year policy term with regular premium payment option, Level Recurring Payout Option and Sum Assured on Death of Rs.2Crore. The per day premium is Rs.30 [Rs.10,800 Annualized Premium/365 days = Rs.29.59]. The premium is assuming the policy is bought Online and the customer has not purchased any policy from Kotak Life Insurance. The above premium figures are exclusive of Goods and Services Tax and Cess. Goods and Services Tax and Cess thereon shall be charged as per the prevalent tax laws over and above the said premiums. Annualized Premium is the premium payable in a policy year, excluding the underwriting extra premiums, loadings for modal premium, Goods and Services Tax and Cess, as applicable and Rider Premium, if any.

For Ref No. KLI/24-25/E-BB/1066

^{^}The above illustration is for an 18-year-old healthy male, non-smoker who has opted for the Life Option with a 40-year policy term with regular premium payment option, Level Recurring Payout Option and Sum Assured on Death of Rs.1.5Crore. The per month premium is Rs.713 [Rs.8,100 Annualized Premium X modal factor 8.80% = Rs.712.80]. The premium is assuming the policy is bought Online and the customer has not purchased any policy from Kotak Life Insurance. The above premium figures are exclusive of Goods and Services Tax and Cess. Goods and Services Tax and Cess thereon shall be charged as per the prevalent tax laws over and above the said premiums. Annualized Premium is the premium payable in a policy year, excluding the underwriting extra premiums, loadings for modal premium, Goods and Services Tax and Cess, as applicable and Rider Premium, if any.

For Ref No. KLI/24-25/E-BB/1133

^{^}The above illustration is for an 18-year-old healthy male, non-smoker who has opted for the Life Option with a 40-year policy term with regular premium payment option, Level Recurring Payout Option and Sum Assured on Death of Rs.1.5Crore. The per day premium is Rs.22 [Rs.8,100 Annualized Premium / 365 days = Rs.22.19]. The premium is assuming the policy is bought Online and the customer has not purchased any policy from Kotak Life Insurance. The above premium figures are exclusive of Goods and Services Tax and Cess. Goods and Services Tax and Cess thereon shall be charged as per the prevalent tax laws over and above the said premiums. Annualized Premium is the premium payable in a policy year, excluding the underwriting extra premiums, loadings for modal premium, Goods and Services Tax and Cess, as applicable and Rider Premium, if any.

For Ref No. KLI/24-25/E-BB/1131

^{^}The above illustration is for an 18-year-old healthy male, non-smoker who has opted for the Life Option with a 40-year policy term with regular premium payment option, Level Recurring Payout Option and Sum Assured on Death of Rs.1 Crore. The per month premium is Rs.475 [Rs.5,400 Annualized Premium X modal factor 8.80% = Rs.475.20]. The premium is assuming the policy is bought Online and the customer has not purchased any policy from Kotak Life Insurance. The above premium figures are exclusive of Goods and Services Tax and Cess. Goods and Services Tax and Cess thereon shall be charged as per the prevalent tax laws over and above the said premiums. Annualized Premium is the premium payable in a policy year, excluding the underwriting extra premiums, loadings for modal premium, Goods and Services Tax and Cess, as applicable and Rider Premium, if any.

For Ref No. KLI/24-25/E-BB/1108

^{^}The above illustration is for an 18-year-old healthy male, non-smoker who has opted for the Life Option with a 40-year policy term with regular premium payment option, Level Recurring Payout Option and Sum Assured on Death of Rs.1 Crore. The per day premium is Rs.15 [Rs.5,400 Annualized Premium / 365 days = Rs.14.79]. The premium is assuming the policy is bought Online and the customer has not purchased any policy from Kotak Life Insurance. The above premium figures are exclusive of Goods and Services Tax and Cess. Goods and Services Tax and Cess thereon shall be charged as per the prevalent tax laws over and above the said premiums. Annualized Premium is the premium payable in a policy year, excluding the underwriting extra premiums, loadings for modal premium, Goods and Services Tax and Cess, as applicable and Rider Premium, if any.

For Ref No. KLI/24-25/E-BB/1058

^{^}The above illustration is for an 18-year-old healthy male, non-smoker who has opted for the Life Plus option with a 40-year policy term with regular premium payment option, Level Recurring Payout Option and Sum Assured on Death of Rs.1 Crore. The per day premium is Rs.15 [Rs.5,400 Annualized Premium / 365 days = Rs.14.79]. The premium is assuming the policy is bought Online and the customer has not purchased any policy from Kotak Life Insurance. The above premium figures are exclusive of Goods and Services Tax and Cess. Goods and Services Tax and Cess thereon shall be charged as per the prevalent tax laws over and above the said premiums. Annualized Premium is the premium payable in a policy year, excluding the underwriting extra premiums, loadings for modal premium, Goods and Services Tax and Cess, as applicable and Rider Premium, if any.

For Ref No. KLI/24-25/E-WB/1241

^{^}Discount Premium % may vary basis Basic Sum Assured and Premium Payment Option subject to underwriting conditions.

⁺Tax benefit is applicable as per the Income Tax Act, 1961. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from tax consultant.

^*Get your premiums back through Special Exit Value, under your policy, if your policy term is:

40 years: Earlier of 25th policy year OR during the policy year, when you attain 60 years

More than 40 years: Earlier of 30th policy year OR during the policy year, when you attain 60 years

For Ref No. KLI/24-25/E-WB/1760

As per company’s underwriting guidelines, Kotak Life reserves the right to call for any medical or financial information as may be required.

Kotak Mahindra Life Insurance Company Ltd. Regn.No.:107, CIN: U66030MH2000PLC128503, Regd. Office: 8th Floor, Plot # C-12, G-Block, BKC, Bandra (E), Mumbai-400 051. Website: https://www.kotaklife.com/ |WhatsApp: 9321003007 | Toll Free No.: 1800 209 8800.

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