Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak e-Term

Protect Your family’s financial future with Kotak e-Term. Know more

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family. Know more

Kotak Guaranteed Savings Plan

A plan that offers long term savings and insurance in one premium. Know more

Kotak e-Invest

Insurance and investment in one plan with Kotak e-Invest. Know more

Kotak Lifetime Income Plan

Retirement years are the golden years of life. Know more


Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.

Guidelines for Linking Aadhar and PAN to Insurance Policies

Aadhar and PAN are important documents required for term insurance.

  • Sep 30, 2019

A life insurance policy is one of the most important covers you require to secure the financial well-being of your loved ones. The policy pays death or maturity benefits to your nominees when a claim is approved by the insurance company. There are many documents required for insurance, and Aadhar and PAN are among the most important ones.

Is it mandatory to link Aadhar and PAN to life insurance?

The Insurance Regulatory and Development Authority (IRDAI) has made it mandatory for all policyholders to link the insurance plan with their Aadhar and PAN. According to the Prevention of Money-laundering (Maintenance of Records) Second Amendment Rules, 2017, linking the Aadhar and PAN is essential to avail of financial services.

How to link Aadhar with insurance policies online

If you want to know how to link Aadhar to an insurance policy, the following instructions will help you. The process is different for registered and non-registered users.

How to link Aadhaar to insurance policy for registered users:

1. Visit the insurance company’s website and log-in
2. Find the option to link Aadhar and provide your Aadhar details
3. Verify that the details are accurate before submitting
4. Enter the One-Time Password (OTP) received on your registered mobile number on the insurer’s website to complete the process

How to link Aadhaar to insurance policy for non-registered users:

1.Visit the insurance company’s website
2.Provide details of your PAN, policy number, date of birth, contact information, and Aadhar number
3.Remember the OTP, which you receive on your registered mobile number after entering the Aadhar number
4.Enter the OTP on the website to verify and complete the process

How to link Aadhar with insurance policies offline

The documents required for life insurance or any other form of insurance policy can be submitted offline as well. The steps to link your Aadhar with insurance policies offline are:

1.Visit the insurance company’s nearest branch office
2.Carry the original Aadhar card and a self-attested copy
3.Submit the documents to the concerning insurance officer
4.Once verified, the Aadhar number will be linked to your insurance policies

Documents required for linking insurance policies and Aadhar

The documents required for term insurance or any other policy to be linked with Aadhar are:

1.The 12-digit Aadhar number
2.PAN card, Form 61, or Form 60

You must be aware that each time you make a payment of more than INR 50,000, the PAN card, Form 61, or Form 60 has to be submitted.

The above steps are to be completed accurately in order to link insurance with Aadhar and to continue taking benefit of the insurance-related services. For now, there is no particular deadline for linking Aadhar with insurance, but it is advised that you complete the process at the earliest.

Kotak e-Term

Download Brochure


  • Life Cover till 85 years for Life & Life Secure Option
  • 3 Payout Options
  • Special Rates for Women
  • Option to exit the policy with premium refund at the age of 60*
  • Special Rates for Non-Tobacco Users
  • Free Medical Check Up every 5th year**

Ref. No. KLI/22-23/E-BB/2435


- A Consumer Education Initiative series by Kotak Life

Similar Articles

All You Need to Know About KYC

Difference Between Money Back and Endowment Policy

Why do I Need Life Insurance?

All about Your Rights and Duties While Buying Life Insurance Policy

Kotak Life Claim Settlement Ratio

How to Buy a Life Insurance Plan?

Life Insurance with Money Back vs Without Money Back

Types of Insurance You Must Invest in for Secure Future

FAQs on Life Insurance

क्या जीवन बीमा एक निवेश है?

Staying Insured While Investing

A Term Insurance Guide for Disabled People

Life Insurance and Millennials

Role of IRDAI in the Insurance Sector

Comparing low premium term insurance Is Not the Only Factor While Buying Life Insurance

Choose the Nominee of a Term Life Insurance Plan Wisely

Life Insurance Vs. Mutual Funds Investment

How to Buy a Term Life Insurance Online

Term Insurance Vs Life insurance: Small Details, Big Differences

When Should You Review Term Life Insurance of Yours?

How Much Life Insurance Do You Need?

Benefits of Buying Term Insurance Plan for Senior Citizens in India

What is Underinsurance & The Dangers of Being Underinsured

Is it Possible to Reduce Life Insurance Premium without Affecting Sum Assured?

5 Ways to ensure faster settlement of claims

What is Insurance Coverage? Overview, Types, and Examples

Take 100% Responsibility of Your Family with Term Life Insurance

Nominee in insurance - A Complete Guide on nomination in insurance

Is It Time to Review Life Insurance Policy of Yours?

Term Insurance Claim Process

Types of Life Insurance Or One Investment, Many Options

Always keep your Nominee informed

NRI Premium Payment Options

Does Life Insurance Policy Cover Covid Death?

What is a Single Premium Term Plan and its Tax Benefit?

Details Required To Be Filled In A Life Insurance Form

Life Insurance for Overweight Applicants

Guide for Buying Online Term Insurance Plans for Senior Citizens

First Job? Here’s Some Tips on How to Manage Finances

What are the Benefits of Endowment Policy?

Why Life Insurance Is Always a Smart Decision

Why You Should Never Cancel Life Insurance Policy

Is Life Insurance an Investment?

How Do Term Insurance Plans Differ for Smokers?

Life Insurance vs Mutual Funds

How to Find the Best Term Insurance Plan in Seven Steps

5 Reasons Why a Women Should Buy a Life Insurance

How Much Life Insurance Cover Do I Need?

9 Most Important Things You Must Learn About Paying Life Insurance Premium

Term Plan with Return of Premium (TROP)

6 Things You May Not Know about Life Insurance

Benefits of Term Insurance with Critical Illness Rider

Is it Possible to Make Changes in a Term Plan’s Specification Post Purchase?

Reasons Why Term Insurance Claims Get Rejected

What is Human Life value and a Human Life Value Calculator?

Process of Filing A Claim For Life Insurance

Best Insurance Plans in India

Most Common Life Insurance Riders to Enhance Your Existing Policy

Can NRI Buy Life Insurance in India?

Important Factors to Consider While Choosing the Right Term Period for Your Term Insurance Plan

Is Voluntary Life Insurance the Same as Basic Life Insurance?

All about IRDAI

How Does Life Insurance Work?

Why One Must Buy Term Insurance before 25 Years

Various Term Insurance Premium Payment Options Available in India

What Should One Expect During the Medical Evaluation for Life Insurance?

Life Insurance and Retirement Planning

Beware of Phishing & Fraud Insurance Calls

How to Choose the Right Life Insurance Policy for Your Age?

Can You Apply For A Life Insurance After Getting Heart Attack? Here is Everything You Need To Know

What Is Staggered Payment Option Under Term Insurance Policy?

Is Life Insurance For Millennials Really Needed?

Can a Term Plan be the Substitute for a Retirement Plan?

Are Deaths Due To Coronavirus Covered by Kotak E-Term Plan?

5 Common Life Insurance FAQs and Answers

Can An Individual Buy Multiple Term Insurance Plans?

What Is Investment Insurance?

How do life insurance payouts work?

Why do most Indians choose the wrong way to buy life insurance?

Why Should You Buy Term Insurance under the MWP Act (Married Women’s Property Act)?

Important Life Insurance Terms You Must Know

Why Term Insurance for Women is Important?

Health Insurance VS Life Insurance

How to Calculate Human Life Value(HLV)?

वरिष्ठ नागरिकों के लिए ऑनलाइन टर्म इंश्योरेंस प्लान खरीदने के लिए गाइड

Who Is A Nominee In A Life Insurance Plan?

5 Benefits of Gifting Life Insurance Cover to Your Spouse

Voluntary Life Insurance Policy Vs Group Life Insurance

What is Group Insurance?

Is It Advisable To Have Multiple Life Insurance Policies?

What Is Insurance Rider and It’s Benefits?

Life Insurance Policy Closure

What is the Current Trend in Term Insurance?

Health Insurance VS Life Insurance

8 Things to Consider Before You Buy Life Insurance

Does Life Insurance Pay for Suicidal Death?

5 Things to Keep in Mind While Buying Life Insurance Policy

When are Millennials required to take out a life insurance policy?

Different Types Of Life Insurance In India

Different Types of Insurance Policies in India

How to Choose a Life Insurance Policy

Savings cum Protection Plans Secures Your Family from Unforeseen Events

Important Terminologies of Life Insurance

Why Renewal of Term Insurance Plan is Important

What Is The Life Insurance Penetration In India And How Does It Compare Globally?

Insurance Changes You Need to Make Post Marriage

All About Backdating in Life Insurance

Compare Different Life Insurance Products Offered By Kotak Life

Choosing a Life Insurance Beneficiary

What is Minimum Life Insurance Policy?

What is Life Insurance?

How to Select a Perfect Life Insurance Policy in India to Protect Your Future?

Difference Between Insurance and Assurance?

Top 5 Common Life Insurance Myths and Facts

Loan Against Life Insurance Policy

How to Make Death Claims on Life Insurance?

What Is the Procedure to choose a nomination in life insurance policy?

बीमा क्षेत्र में IRDAI की भूमिका

5 Easy Steps to Buying A Policy

Do Life Insurance Premiums Increase Every Year?

Sabse Pehle Life Insurance

What Is a Whole Life Insurance Plan?

Term Life Insurance vs Accidental Death Insurance

How Many Insurances Should I Have?

Why Do Life Insurance Agents Avoid Selling Term Plans?

Adding A Child to Your Life Insurance Policy?

What is the Difference Between Limited and Regular Pay Insurance Plan?

Life Insurance Beneficiary

How To Choose The Right Life Insurance

Important Features of a Term Insurance Plan

Choosing Between Short-Term & Long-Term Insurance Plans

1 CR Term Insurance Plan: How to Pick the Best 1 CR Term Plan

Life Insurance for Millennials

In India, should NRIs purchase life insurance?

Term Insurance for Home Loan: How Term Plan Helps in Paying Off Home Loan?

Term Insurance Tips for NRIs in India

What Is Social Impact Investing and How Does It Benefit Society?

All about Life Insurance Calculators

Does Life Insurance Cover Terminal Illness?

What happens to joint life insurance after divorce?

Life Insurance Nominees: 5 Must-Know Facts for Beneficiaries

Can You Transfer Life Insurance Policies to Another Company in India?

Customer Awareness on Information Security

7 Superficial Reasons People Avoid Buying Insurance Online

How to Revive the Lapsed Life Insurance Policy?

All About Life Insurance and How It Works?

जीवन बीमा क्या है?

Types of Life Insurance Policies in India

What is the Difference Between Insurance and Reinsurance?

5 Advantages of Life Insurance Going Digital

Does Family History Affects your Term Life Insurance Rates?

Different Kind of Deaths that are Not Covered in a Term Insurance Plan

भारत में जीवन बीमा पॉलिसियों के प्रकार

What Should One Consider Buying: Term Insurance or Traditional Life Insurance

“Life” Insurance or “Death” Insurance?

Key Things to Review in Your Life Insurance Policy Document

भारत में सर्वश्रेष्ठ टर्म प्लान कैसे चुनें?

How to Use Different Types of Life Insurance for Retirement Planning?

What is Sum Assured in Endowment Policy?

How to Choose Life Insurance for All Ages?

Why Your Family Should Know About Your Life Insurance Policy?

Insurance Vs Investment - A Guide to Your Financial Goals

All You Need to Know About Life Insurance - Its Benefits, Features, and Types of Life Insurance

Why Buying a Term Insurance is Important for all Parents

What are robo-advisors in insurance?

Do Your Financial Planning with Life Insurance!

जीवन बीमा पर ऋण

क्रिटिकल इलनेस राइडर के साथ टर्म इंश्योरेंस के लाभ

How Much Life Insurance Costs and How Much Insurance Cover You Need?

Role of Life Insurance in Your Financial Portfolio

Life Insurance Plans for Women

6 Different Types of Insurance Policies

Importance of Checking Claim Settlement Ratio before Buying Life Insurance

Digital Life Certificate for Pensioners Seeking Pension

5 Reasons Why You Need Life Insurance in College

5 Smart Steps to keep in mind while buying term policies

Life Insurance for Overweight Applicants

Biggest Life Insurance Myths

Should You Buy Life Insurance After Getting Married?

Why is Medical Test Important While Buying a Term Insurance?

What Is Surrender Value (Cash Surrender Value) in Insurance and how is it calculated?

Terms and Conditions of Term Insurance Plans

Why Online Term Insurance Plans Cheap?

What Happens If I Stop Paying My Life Insurance Premium?

Think About Life Insurance Sooner than Later

How to Customize Your Life Insurance Policy with Riders

Is it Worth Buying Disability Rider on Term Insurance?

How Often You Must Review Your Life Insurance Policy?