A guaranteed income anticipated endowment insurance plan

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1 A guaranteed income anticipated endowment insurance plan

2 KOTAK ASSURED INCOME ACCELERATOR A guaranteed income anticipated endowment insurance plan Be it an Entrepreneur or an Employee or a Professional, everybody works hard wi e primary motive of improving individual performance. This results into increasing profits or salary or professional fees year on year. In e similar manner, we expect our regular savings also to fetch a value at keeps on increasing year on year. Is it possible in a volatile financial market? Yes, it is possible wi Kotak Assured Income Accelerator. Wi e same amount of savings every year, is plan not only offers Guaranteed Income every year during e payout period but also ensures at e Guaranteed Income increases year on year. 1

3 Key Advantages Guaranteed Income payable every year during e Payout Period Income Boosters increases e Guaranteed Income between 5% to 7% every year Higher e annual premium, higher will be e Guaranteed Income Dea benefit is payable irrespective of Guaranteed Income already paid Guaranteed Maturity Benefit along wi e last payout Customise Protection rough a wide range of Riders* Tax benefit on premiums paid u/s 80(C) and benefit received u/s 10(10D) *Please refer to page 4 for more details How Does e Plan Work? You pay premiums every year for e selected premium payment term which helps in determining Basic Sum Assured and hence e Guaranteed Income. After e expiry of premium payment term, e Guaranteed Income is payable during Payout Period. At maturity, you will receive Guaranteed Maturity Benefit along wi e last installment of Guaranteed Income. Mentioned below is an example of 15 years premium payment term wi an annual premium of ` 60,000 for a 35 years old healy individual: At Maturity Last installment of increasing payout + Maturity benefit ` 78,000 ` 83,460 ` 88,920 ` 3,46,440 ` 94,380 ` 99,840 ` 1,05,300 ` 1,10,760 ` 1,16,220 ` 1,21,680 Policy term (Yrs) 15 Pay Premium payment term Annual Income starts from e end of 16 policy year Note: Figures are not drawn to scale. 2

4 1 Dea Benefit In case of an unfortunate event of dea of e life insured during e term of e plan, your nominee will receive Sum Assured on dea irrespective of Guaranteed Income already paid. The Sum Assured on dea is defined as; For entry age less an or equal to 50 years For entry age 51 years and above Higher of; 11 times of annual premium, Basic Sum Assured, Guaranteed Maturity Benefit Higher of; 7 times of annual premium, Basic Sum Assured, Guaranteed Maturity Benefit The Sum Assured on dea is subject to a minimum of 105% of total premiums paid (excluding extra premiums, if any). 2 Survival Benefit # During e Payout Period, you get Guaranteed Income every year. The Guaranteed Income depends on e Income Rate which varies as per premium payment term. Also, if you pay higher annual premium, you will get higher Income Rate. Guaranteed Income payable at inception of Payout Period Annual premium* bands (`) 7 PPT Income Rate (% of Basic Sum Assured) 10 PPT 15 PPT 15,000 to 24, % 10.00% 12.50% 25,000 to 49, % 10.25% 12.75% 50,000 & above 7.50% 10.50% 13.00% *The premium shown above is exclusive of loading for modal factors, extra premium (if any) rider premiums and service tax. Increase in Guaranteed Income payable from subsequent year during Payout Period: Wi e help of Income Boosters, e above mentioned Income Rate will increase by simple percentage (of e Guaranteed Income as mentioned above is based on premium payment term and bands) every year as mentioned below: Income Boosters 7 PPT 5% 10 PPT 6% 15 PPT 7% Example: For an Annual Premium of ` 60,000, e Basic Sum Assured is ` 6,00,000 and Guaranteed Income is calculated as 13% of e Basic Sum Assured. Thus, e Guaranteed Income will be ` 78,000 and will start from e end of e 16 Policy year. At e end of 17 Policy year is Guaranteed Income will increase by 7% simple percentage and will be calculated as follows: Guaranteed Income (at e end of 16 policy year) = ` 78,000 Guaranteed Income (at e end of 17 policy year) = ` 83,460 [78,000+ 5,460 i.e. (78,000*7%)] Guaranteed Income (at e end of 18 policy year) = ` 88,920 [83,460+5,460 i.e. (78,000*7%)] The same will be followed till e end of e Policy Term. # Payout period refers to e tenure during which e Guaranteed Income is paid, which starts after completion of 1 year after e end of premium payment term. 3

5 3 Maturity Benefit Guaranteed Maturity Benefit as a percentage of Basic Sum Assured shall be paid at maturity. The Guaranteed Maturity Benefit varies as per age at entry of policyholder and e Policy Term. For sample ages, Guaranteed Maturity Benefit is as follows: Guaranteed Maturity Benefit (% of Basic Sum Assured) Entry Age 25 years 30 years 35 years 40 years 15 And Benefits 20 Years Policy Term 32.50% 31.75% 31.00% 27.25% 30 Years Policy Term 33.50% 32.75% 32.00% 27.00% Tax Benefits You may avail of tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961 subject to conditions as specified in ose sections. Tax benefits are subject to change as per tax laws. You are advised to consult your Tax Advisor for details. Enhancing your Options Additional Features Convenient premium payment term & modes Benefits As per suitability, you can opt for premium payment term from available options (please refer to Eligibility section). You have e option to pay your premiums yearly, halfyearly, quarterly or monly and can also change e premium payment mode on policy anniversary. If you feel e insurance cover is not adequate, you can increase it by attaching below mentioned optional Riders to your base plan: Kotak Term Benefit (KTB UIN: 107B003V03): In case of dea of e life insured, rider sum assured will be paid in addition to e dea benefit under e base plan. Kotak Accidental Dea Benefit (ADB UIN: 107B001V02): In case of dea of e life insured due to accident, rider sum assured will be paid in addition to e dea benefit under e base plan. 5 Additional Protection Kotak Permanent Disability Benefit (PDB UIN: 107B002V02): In case of life insured being permanently disabled due to accident, benefit is paid in installments. 4 6 Policy Loan Facility 10 Reduced PaidUp Benefit Kotak Life Guardian Benefit (LGB UIN: 107B012V02): In case of dea of e policyholder (if different from Life Insured), outstanding premiums are waived and will be paid by Kotak Life Insurance. Kotak Accidental Disability Guardian Benefit (ADGB UIN: 107B011V02): In case of accidental disability, outstanding premiums are waived and will be paid by Kotak Life Insurance. For more details on Riders and exclusions please refer to e Individual Rider Brochure before concluding e purchase. 9 You can avail loans up to 80% of Surrender Value subject to a minimum loan amount of `10,000. After e policy acquires Surrender Value, if you do not pay subsequent premiums wiin e Grace Period e base plan will be converted into a Reduced PaidUp policy by default.

6 Eligibility This simple eligibility table will help you plan your family's future financial needs. 11 Entry Age Maturity Age Policy and Premium Payment Term (PPT) Payout period Premium Payment Option Annual Premium Basic Sum Assured Premium Payment Mode Modal Factor (% of annual premium) Min : 0 years Max: 7 PPT 60 years 10 PPT 60 years 15 PPT 55 years Min : 18 years Max: 85 years PPT Policy Terms 7 pay 15 years 10 pay 20 years 15 pay 30 years 7 PPT 8 yearly Payouts starting from e end of e 8 policy year 10 PPT 10 yearly Payouts starting from e end of e 11 policy year 15 PPT 15 yearly Payouts starting from e end of e 16 policy year Limited only Min: `15,000 Max: No limit, subject to underwriting 10 times of annual premium In case of nonannual mode, e installment premium will be divided by modal factor to arrive at annual premium. Yearly, Half yearly, Quarterly, Monly The following modal loading will be used to calculate e installment Premium. Yearly 100% Half yearly 51% Quarterly 26% Monly 8.8% 5

7 Terms and Conditions 1. Dea Benefit: If e dea occurs during Grace Period, e due unpaid premium (if any) till e date of dea will be deducted from e Dea Benefit. For nonannual Policy, e balance of e premium for at policy year will be deducted from e Dea Benefit. 2. Survival Benefit: The Guaranteed Income will be first adjusted against e outstanding loan amount (if any) before it is paid to e Policyholder. 3. Maturity Benefit: The Guaranteed Maturity Benefit will be reduced to account for any outstanding loans (including interest). 4. Grace Period: There is a grace period of 30 days for e yearly, halfyearly and quarterly mode, and 15 days for e monly mode from e premium payment due date wiout levy of any interest or penalty. 5. Riders: The payment of Rider premium will be made in addition to e premium for e base plan and collected along wi e premiums for e base plan. 6. Policy Loan: Loans can be availed under is plan rough Kotak Life Insurance up to e limit of 80% of e Surrender Value of e policy. The Company shall determine e rate of interest from time to time. Currently e interest rate is 12.5% compounding halfyearly but it can be revised from time to time. The policy will be unconditionally and fully assigned to Kotak Life Insurance as security for e loan and interest repayments during e period of e loan. Policyholder will be intimated in case outstanding loan amount (including interest) exceeds 95% of e Surrender Value (higher of GSV or SSV). In case of failure to repay e outstanding loan wi interest, policy will be foreclosed. The policy will not be auto foreclosed where all due premiums have been paid. In case of any benefit payout before e end of term or at maturity, e Company is entitled to deduct any outstanding loan amount, togeer wi all interest payable before making such benefit payment. 7. Lapse: For policies where premiums are not paid wiin e Grace Period, e policy shall lapse from e due date of e unpaid premium and no benefits will be payable, subject to e following conditions: For PPT less an 10 years, if premiums are discontinued anytime during e first two policy years, e policy shall lapse at e end of e grace period. For PPT of greater an or equal 10 years, if premiums are discontinued anytime during e first ree policy years, e policy shall lapse at e end of e grace period Policy Revival: A lapsed or a Reduced PaidUp policy can be reinstated for full benefits on revival wiin two years of e first unpaid premium. The revival can be done wiout evidence of good heal on payment of e outstanding premiums wi late payment charges (currently 9% p.a. of outstanding premiums), if e payment is made wiin six mons from e date of first unpaid premium. Thereafter to revive e policy, evidence of good heal would be required along

8 wi payment of e outstanding premiums wi late payment charges (currently 9% p.a. of outstanding premiums). If a lapsed policy is not revived during e Revival Period, e policy will be terminated wiout paying any benefits. However, if a Reduced PaidUp policy is not revived during e Revival Period, it will continue in at mode until maturity. 9. Surrender: The policy acquires a Surrender Value depending on e premium payment term chosen and e number of premiums paid: For policies wi premium payment term of less an 10 years: The policy acquires a Surrender Value provided premiums due for at least 2 policy years have been paid in full. For policies wi premium payment term of greater an or equal to 10 years: The policy acquires a Surrender Value provided premiums due for at least 3 policy years have been paid in full. Guaranteed Surrender Value (GSV) is calculated as X% of total Premiums paid (excluding Service Tax, Rider Premium and Extra Premiums, if any) less Guaranteed Income already paid (if any). Where X varies by year of surrender and Policy Term as mentioned below: Year of surrender Policy Term (Years) Year of Policy Term (Years) surrender % 30.0% 30.0% 55.0% 60.0% 65.0% 70.0% 75.0% 80.0% 85.0% 90.0% 0.0% 0.0% 30.0% 53.0% 56.0% 59.0% 62.0% 65.0% 68.0% 71.0% 74.0% 0.0% 0.0% 30.0% 52.0% 54.0% 56.0% 58.0% 60.0% 62.0% 64.0% 66.0% % 80.0% 83.0% 86.0% 90.0% 68.0% 70.0% 72.0% 74.0% 76.0% 78.0% 80.0% 82.0% 84.0% 86.0% 88.0% 90.0% 92.0% 94.0% 95.0% The Company may consider paying a Special Surrender Value when e policy acquires Surrender Value. In any case, e higher of e Guaranteed Surrender Value and Special Surrender Value will be payable. On Surrender, all benefits will cease and e policy terminates. The surrender value will be paid out as a lump sum benefit. 10. Reduced PaidUp Policy: After e policy acquires Surrender Value, if e subsequent premiums are not paid wiin e Grace Period e Base Policy along wi Riders (if any) will be converted into a Reduced PaidUp policy by default. Upon being made Reduced Paidup; policy may be revived (for e original benefits) wiin 2 years from e date of first unpaid premium. rider benefit will be available as per Reduced PaidUp Sum Assured (if applicable). The Surrender Value payable will be higher of Guaranteed Surrender Value and Special Surrender Value. 7

9 Guaranteed Income during Payout Period: During e Payout Period, e Guaranteed Income will be paid as e percentage of Reduced PaidUp Basic Sum Assured. The Reduced PaidUp Basic Sum Assured will be calculated as: (Total Premiums paid / Total premiums payable over e term) X Basic Sum Assured. Payout at Maturity: On survival of e life insured till e maturity date, Guaranteed Maturity Benefit will be paid as e percentage of Reduced PaidUp Basic Sum Assured. The Reduced PaidUp Basic Sum Assured will be calculated as: (Total Premiums paid / Total premiums payable over e term) X Basic Sum Assured. Payout on Dea: On dea of e life insured during e policy term after being made Reduced PaidUp, e benefit payable will be Reduced PaidUp Sum Assured on dea. The Reduced PaidUp Sum Assured on dea will be calculated as: (Total premiums paid)/ (Total premiums payable, during e entire policy term) x Sum Assured on dea. 11. Vesting in case of minor life: If e policy has been taken on e life of a minor, e policy shall automatically vest on him/her wi effect from e date of completion of 18 years of age and e Life Insured will become e Policyholder from such date. 12. In case ere is no nomination effected in e policy or in case e nominee dies during e term, e benefit payout will be made to e legal heir(s). 13. Nomination & Assignment: Nomination will be allowed under e plan as per Section 39 of e Insurance Act, Fresh nomination (if applicable) shall be made by an endorsement on e policy and by communicating e same in writing to e Company. Assignment is allowed in is plan as per Section 38 of e Insurance Act, It may be made by an endorsement upon e policy itself or by a separate instrument signed in eier case by e assignor specifically stating e fact of Assignment and duly attested. Such Assignment shall be operative as against e Company effective from e date at e Company receives a written notice of e Assignment and on confirmation of record of such Assignment. On assignment, any nomination effected under e policy will automatically get cancelled and e Assignee will become e Policyholder. Partial assignment of policy is not allowed. 14. Free Look Period: The policyholder is offered 15 days free look period for a policy sold rough all channels (except for Distance Marketing* Channel which will have 30 Days) from e date of receipt of e policy wherein e policyholder may choose to return e policy wiin 15 days / 30 days of receipt if s/he is not agreeable wi any of e terms and conditions of e plan. Should s/he choose to return e policy, s/he shall be entitled to a refund of e premium paid after adjustment for e expenses of medical examination, stamp duty and proportionate risk premium for e period of cover. 8

10 *Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance products rough e following modes: (i) Voice mode, which includes telephone calling (ii) Short Messaging service (SMS) (iii) Electronic mode which includes , internet and interactive television (DTH) (iv) Physical mode which includes direct postal mail and newspaper & magazine inserts and (v) Solicitation rough any means of communication oer an in person. 15. General Exclusion: In e event of e life insured committing suicide wiin one year of e date of issue of e policy, 80% of e premiums paid will be payable. In case of suicide wiin one year of e date of revival of e policy when e revival is done wiin 6 mons from e date of first unpaid premium, Suicide Exclusion shall not be applicable and e Dea Benefit under e plan shall be payable. However, in case of suicide wiin 1 year of e date of revival, when e revival is done after 6 mons from e date of first unpaid premium, e benefit payable shall be higher of 80% of Premiums Paid or Surrender Value at e date of claim event. 9

11 Section 41 of e Insurance Act, 1938 states: (1) No person shall allow or offer to allow, eier 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 e whole or part of e commission payable or any rebate of e premium shown on e 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 wi e published prospectuses or tables of e insurer: Provided at acceptance by an insurance agent of commission in connection wi a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium wiin e meaning of is sub section if at e time of such acceptance e insurance agent satisfies e prescribed conditions establishing at he is a bona fide insurance agent employed by e insurer. (2) Any person making default in complying wi e provisions of is Section shall be punishable wi fine which may extend to five hundred rupees. Section 45 of e Insurance Act, 1938 states: No policy of life insurance effected before e commencement of is Act shall after e expiry of two years from e date of commencement of is Act and no policy of life insurance effected after e coming into force of is Act shall, after e expiry of two years from e date on which it was effected be called in question by an insurer on e ground at statement made in e proposal or in any report of a medical officer, or referee, or friend of e insured, or in any oer document leading to e issue of e policy, was inaccurate or false, unless e insurer shows at such statement was on a material matter or suppressed facts which it was material to disclose and at it was fraudulently made by e policy holder and at e policy holder knew at e time of making it at e statement was false or at it suppressed facts which it was material to disclose: Provided at noing in is section shall prevent e insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because e terms of e policy are adjusted on subsequent proof at e age of e life insured was incorrectly stated in e proposal.

12 About Us Kotak Mahindra Old Mutual Life Insurance Ltd. is a 74:26 joint venture between Kotak Mahindra BankLtd., its affiliates and Old Mutual. Kotak Mahindra is one of India's leading banking and financial services organizations, offering a wide range of financial services at encompass every sphere of life. From commercial banking, to stock broking, to mutual funds, to life insurance, to investment banking, e group caters to e diverse financial needs of individuals and corporate sector. Old Mutual is an international longterm savings, protection and investment group. Originating in Sou Africa in 1845, e Group provides life assurance, asset management, banking and general insurance in Europe, e Americas, Africa and Asia. Old Mutual is listed on e London Stock Exchange and e JSE, among oers. BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS /FRAUDULENT OFFERS IRDA clarifies to public at 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 wi details of phone call, number. TOLL FREE SMS KLIFE to Kotak Assured Income Accelerator UIN No.: 107N089V01, Form No.: N089, Ref. No.: KLI/1415/EPB/049, KTB 107B003V03, ADB 107B001V02, PDB 107B002V02, LGB 107B012V02, ADGB 107B011V02. Kotak Mahindra Old Mutual Life Insurance Ltd; Regn. No.:107, Regd. Office: 4 Floor, Vinay Bhavya Complex, 159 A, C.S.T. Road, Kalina, Santacruz (East), Mumbai Guaranteed benefits due under is plan are available provided premiums are paid regularly for e entire premium payment term and policy is in force. Insurance is e subject matter of solicitation. This is a nonparticipating guaranteed income anticipated endowment plan. For substandard lives, extra premium may be charged based on KLI s underwriting policy. The product brochure gives only e salient features of e plan. Please refer e policy document for specific details on all terms and conditions.

13 Annexure Kotak Assured Income Accelerator Guaranteed Maturity Benefit percentages expressed as a % of Basic Sum Assured Entry Age 15/20 Policy Term 30 Policy Term Entry Age 15/20 Policy Term 30 Policy Term Entry Age 15/20 Policy Term 30 Policy Term % 37.25% % 34.10% % 26.00% % 37.10% % 33.95% % 25.00% % 36.95% % 33.80% % 24.00% % 36.80% % 33.65% % 23.00% % 36.65% % 33.50% % 22.00% % 36.50% % 33.35% % 21.00% % 36.35% % 33.20% % 20.00% % 36.20% % 33.05% % 19.00% % 36.05% % 32.90% % 18.00% % 35.90% % 32.75% % 17.00% % 35.75% % 32.60% % 16.00% % 35.60% % 32.45% % 15.00% % 35.45% % 32.30% % 14.00% % 35.30% % 32.15% % 13.00% % 35.15% % 32.00% % 12.00% % 35.00% % 31.00% % NA % 34.85% % 30.00% % NA % 34.70% % 29.00% % NA % 34.55% % 28.00% % NA % 34.40% % 27.00% % NA % 34.25% TOLL FREE SMS KLIFE to Kotak Assured Income Accelerator UIN No.: 107N089V01, Form No.: N089, Ref. No.: KLI/1415/EPB/049, KTB 107B003V03, ADB 107B001V02, PDB 107B002V02, LGB 107B012V02, ADGB 107B011V02. Kotak Mahindra Old Mutual Life Insurance Ltd; Regn. No.:107, Regd. Office: 4 Floor, Vinay Bhavya Complex, 159 A, C.S.T. Road, Kalina, Santacruz (East), Mumbai Guaranteed benefits due under is plan are available provided premiums are paid regularly for e entire premium payment term and policy is in force. Insurance is e subject matter of solicitation. This is a nonparticipating guaranteed income anticipated endowment plan. For substandard lives, extra premium may be charged based on KLI s underwriting policy. The product brochure gives only e salient features of e plan. Please refer e policy document for specific details on all terms and conditions.

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