This document summarizes a non-linked, non-participating endowment life insurance plan called Kotak Guaranteed Savings Plan. It provides guaranteed benefits through limited premium payments, guaranteed additions accrued annually after the payment term, and a lump sum guaranteed loyalty addition at maturity. Key benefits include guaranteed maturity payment, death benefit, and optional riders for additional protection. An example illustrates benefits for a 30-year old male with annual premium of Rs. 100,000 and policy term of 20 years.
E-Brochure For Kotak Assured Savings Plan - Kotak LifeShaunakPatel19
Kotak Assured Savings Plan provides reasonable insurance, but it also assists in the accumulation of money for future financial goals by providing assured rewards.
Bajaj Allianz Life Long Assure| Retirement Insurance Solution Harshit2014
Bajaj Allianz developed Lifelong Assure - a unique plan that provides you income & protection till your 100 birthday so that you can live worry-free for a lifetime.
Key Advantages
• Cash Bonus starting from the end of 6th year.
• Guaranteed Cash Back starting from the end of Premium Payment Term.
• Life cover up to the age of 100 years.
• Guaranteed Death Benefit of up to 300% of Sum Assured depending on the PPT chosen.
• Option to take policy benefit in monthly installments.
• Choice of 3 premium payment terms, viz., 10, 15 and 20 years.
• More value for money with high sum assured rebate.
• Attractive rates for female lives.
Bajaj Allianz Life Long Assure “with maturity benefit between 200-300 % of sum assured.
LIC's Jeevan Shagun is a participating, non-linked, savings cum protection single premium plan wherein the risk cover is a multiple of single premium.
The proposer will have an option to choose the Maturity Sum Assured. The single premium payable (exclusive of service tax) shall depend on the chosen amount of Maturity Sum Assured and age of the life assured.
A percentage of Maturity Sum Assured shall be payable on surviving to the end of the specified durations and on maturity. This plan also takes care of liquidity need through its loan facility. The plan will be open for sale for a maximum period of 90 days from the date of launch.
E-Brochure For Kotak Saral Jeevan Bima - Kotak LifeShaunakPatel19
Your family relies on your wellbeing for comfort, happiness, and security, so you would always want to ensure the future of your family. Should your absence be treated any differently? Introducing Kotak Saral Jeevan Bima, a pure risk cover programme that safeguards your loved ones.
E-Brochure For Kotak Saral Jeevan Bima - Kotak LifeShaunakPatel19
Your presence creates a constant sense of security for your family. Should your absence be treated any differently? Introducing Kotak Saral Jeevan Bima, a pure risk cover plan that protects your loved ones.
E-Brochure for Kotak Premier Moneyback PlanviralAgarwal
"Kotak Premier Moneyback Plan is a Savings cum Insurance Plan that provides
lump-sum payouts at regular intervals. Refer to this brochure to know more."
E-Brochure For Kotak Assured Savings Plan - Kotak LifeShaunakPatel19
Kotak Assured Savings Plan provides reasonable insurance, but it also assists in the accumulation of money for future financial goals by providing assured rewards.
Bajaj Allianz Life Long Assure| Retirement Insurance Solution Harshit2014
Bajaj Allianz developed Lifelong Assure - a unique plan that provides you income & protection till your 100 birthday so that you can live worry-free for a lifetime.
Key Advantages
• Cash Bonus starting from the end of 6th year.
• Guaranteed Cash Back starting from the end of Premium Payment Term.
• Life cover up to the age of 100 years.
• Guaranteed Death Benefit of up to 300% of Sum Assured depending on the PPT chosen.
• Option to take policy benefit in monthly installments.
• Choice of 3 premium payment terms, viz., 10, 15 and 20 years.
• More value for money with high sum assured rebate.
• Attractive rates for female lives.
Bajaj Allianz Life Long Assure “with maturity benefit between 200-300 % of sum assured.
LIC's Jeevan Shagun is a participating, non-linked, savings cum protection single premium plan wherein the risk cover is a multiple of single premium.
The proposer will have an option to choose the Maturity Sum Assured. The single premium payable (exclusive of service tax) shall depend on the chosen amount of Maturity Sum Assured and age of the life assured.
A percentage of Maturity Sum Assured shall be payable on surviving to the end of the specified durations and on maturity. This plan also takes care of liquidity need through its loan facility. The plan will be open for sale for a maximum period of 90 days from the date of launch.
E-Brochure For Kotak Saral Jeevan Bima - Kotak LifeShaunakPatel19
Your family relies on your wellbeing for comfort, happiness, and security, so you would always want to ensure the future of your family. Should your absence be treated any differently? Introducing Kotak Saral Jeevan Bima, a pure risk cover programme that safeguards your loved ones.
E-Brochure For Kotak Saral Jeevan Bima - Kotak LifeShaunakPatel19
Your presence creates a constant sense of security for your family. Should your absence be treated any differently? Introducing Kotak Saral Jeevan Bima, a pure risk cover plan that protects your loved ones.
E-Brochure for Kotak Premier Moneyback PlanviralAgarwal
"Kotak Premier Moneyback Plan is a Savings cum Insurance Plan that provides
lump-sum payouts at regular intervals. Refer to this brochure to know more."
LIC's New Bima Bachat is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. It is a money-back plan which provides financial protection against death during the policy term with the provision of payment of survival benefits at specified durations during the policy term. In addition, on maturity, the single premium shall be returned along with Loyalty Addition, if any. This plan also takes care of liquidity needs through its loan facility.
Money Back Plan in India | Money Back InsuranceHarshit2014
Bajaj Allianz Invest Assure is a plan that gives you assured protection with financial benefits It takes only a moment to make promises and a lifetime to keep them. When you promise to see your family through thick and thin, you need to make sure that you have planned for all the eventualities that may befall on them.
LIC's New Money Back Plan-25 years is a participating non-linked plan which offers an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family of the deceased policyholder any time before maturity and lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.
Buy Click 2 Protect Super from HDFC Life that provides you varying cover along with comprehensive protection as per your evolving needs. To know more about it, visit now!
LIC's New Money Back Plan-20 years is a participating non-linked plan which offers an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family of the deceased policyholder any time before maturity and lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.
LIC's Single Premium Endowment Plan is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. This combination provides financial protection against death during the policy term with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility.
Aegon Life iGuarantee Max Savings Brochure.pdfAegon Life
At various junctures of life, you would need to achieve several goals, small or big, like buying your first vehicle to funding a child’s education or a peaceful retirement. The list could be endless but chalking out these goals at different points in your life, and the finances needed to achieve them is necessary. Therefore, choosing a flexible savings life insurance plan is imperative which not only helps you achieve those goals, but also keeps your family financially secured in case you are not around. To help you with this, we at Aegon Life bring to you ‘Aegon Life iGuarantee Max Savings’, an insurance plan that offers you more than just the steady growth of your corpus while simultaneously helps you in achieving the milestones and safeguarding your family against unfortunate events
LIC's New Jeevan Anand Plan is a participating non-linked plan which offers an attractive combination of protection and savings. This combination provides financial protection against death throughout the lifetime of the policyholder with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility.
LIC's New Endowment Plan is a participating non-linked plan which offers an attractive combination of protection and saving features. This combination provides financial support for the family of the deceased policyholder any time before maturity and good lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.
LIC's Jeevan Rakshak Plan is a participating non-linked plan which offers a combination of protection and savings. This plan provides financial support for the family in case of unfortunate death of the policyholder any time before maturity and a lump sum amount at the time of maturity for the surviving policyholder. This plan also takes care of liquidity needs through its loan facility.
Be a smart ULIP policy investor with Sampoorna Nivesh - a comprehensive, flexible ULIP Investment plan with life insurance benefits, reducing charges, loyalty benefits etc. To know more about Sampoorn Nivesh, Click here!
E-Brochure For Kotak Assured Pension - Kotak LifeShaunakPatel19
To ensure that you have a financially comfortable retirement and that you can satisfy your desires Kotak Life Insurance introduces Kotak Assured Pension, a non-linked and non-participating annuity plan that guarantees a consistent source of income for the rest of your life, based on your needs.
E-Brochure For Kotak Fortune Maximiser - Kotak LifeShaunakPatel19
"Kotak Fortune Maximiser" is a limited pay participation endowment plan that may be tailored to your needs in order to help you plan for a brighter future by offering a variety of plan, payout, and rider options.
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LIC's New Bima Bachat is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. It is a money-back plan which provides financial protection against death during the policy term with the provision of payment of survival benefits at specified durations during the policy term. In addition, on maturity, the single premium shall be returned along with Loyalty Addition, if any. This plan also takes care of liquidity needs through its loan facility.
Money Back Plan in India | Money Back InsuranceHarshit2014
Bajaj Allianz Invest Assure is a plan that gives you assured protection with financial benefits It takes only a moment to make promises and a lifetime to keep them. When you promise to see your family through thick and thin, you need to make sure that you have planned for all the eventualities that may befall on them.
LIC's New Money Back Plan-25 years is a participating non-linked plan which offers an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family of the deceased policyholder any time before maturity and lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.
Buy Click 2 Protect Super from HDFC Life that provides you varying cover along with comprehensive protection as per your evolving needs. To know more about it, visit now!
LIC's New Money Back Plan-20 years is a participating non-linked plan which offers an attractive combination of protection against death throughout the term of the plan along with the periodic payment on survival at specified durations during the term. This unique combination provides financial support for the family of the deceased policyholder any time before maturity and lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.
LIC's Single Premium Endowment Plan is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. This combination provides financial protection against death during the policy term with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility.
Aegon Life iGuarantee Max Savings Brochure.pdfAegon Life
At various junctures of life, you would need to achieve several goals, small or big, like buying your first vehicle to funding a child’s education or a peaceful retirement. The list could be endless but chalking out these goals at different points in your life, and the finances needed to achieve them is necessary. Therefore, choosing a flexible savings life insurance plan is imperative which not only helps you achieve those goals, but also keeps your family financially secured in case you are not around. To help you with this, we at Aegon Life bring to you ‘Aegon Life iGuarantee Max Savings’, an insurance plan that offers you more than just the steady growth of your corpus while simultaneously helps you in achieving the milestones and safeguarding your family against unfortunate events
LIC's New Jeevan Anand Plan is a participating non-linked plan which offers an attractive combination of protection and savings. This combination provides financial protection against death throughout the lifetime of the policyholder with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility.
LIC's New Endowment Plan is a participating non-linked plan which offers an attractive combination of protection and saving features. This combination provides financial support for the family of the deceased policyholder any time before maturity and good lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.
LIC's Jeevan Rakshak Plan is a participating non-linked plan which offers a combination of protection and savings. This plan provides financial support for the family in case of unfortunate death of the policyholder any time before maturity and a lump sum amount at the time of maturity for the surviving policyholder. This plan also takes care of liquidity needs through its loan facility.
Be a smart ULIP policy investor with Sampoorna Nivesh - a comprehensive, flexible ULIP Investment plan with life insurance benefits, reducing charges, loyalty benefits etc. To know more about Sampoorn Nivesh, Click here!
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E-Brochure For Kotak Assured Pension - Kotak LifeShaunakPatel19
To ensure that you have a financially comfortable retirement and that you can satisfy your desires Kotak Life Insurance introduces Kotak Assured Pension, a non-linked and non-participating annuity plan that guarantees a consistent source of income for the rest of your life, based on your needs.
E-Brochure For Kotak Fortune Maximiser - Kotak LifeShaunakPatel19
"Kotak Fortune Maximiser" is a limited pay participation endowment plan that may be tailored to your needs in order to help you plan for a brighter future by offering a variety of plan, payout, and rider options.
E-Brochure For Kotak Fortune Maximiser - Kotak LifeShaunakPatel19
You can make plans for a better future with the help of Kotak Fortune Maximiser, a limited pay participation endowment plan that can be customised to meet your needs.
E-Brochure For Kotak Guaranteed Savings Plan - Kotak LifeShaunakPatel19
The reality of life is uncertainty. Although you cannot escape it, you can always make plans to handle it more effectively. Kotak Life Insurance offers the Kotak Guaranteed Savings Plan, a savings and protection-oriented plan with "Guaranteed" advantages, to assist you in accomplishing the same.
E-Brochure For Kotak Assured Pension - Kotak LifeShaunakPatel19
To guarantee that you have a comfortable retirement and can pursue your goals Kotak Life Insurance offers Kotak Assured Pension, a non-linked and non-participating annuity plan that guarantees a steady stream of income based on your needs for the duration of your life.
E-Brochure For Kotak e-term Plan - Kotak LifeShaunakPatel19
Kotak e-Term Plan – a specially designed pure risk cover plan that provides protection to your loved ones. This plan offers the option to enhance your coverage against Accidental Death, Total and Permanent Disability.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
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Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
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Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
2. KOTAK GUARANTEED SAVINGS PLAN
A Non-Linked Non-Participating Endowment Life Insurance Plan
Uncertainty is reality of Life. You cannot avoid it but you can always plan to handle it better. To
help you in achieving the same, Kotak Life Insurance presents Kotak Guaranteed Savings
@
Plan – a savings and protection oriented plan that provides ‘Guaranteed ’ benefits. So, be rest
assuredandbereadyforwhatevercomesnextandenjoyyourLife...
• Limitedpremiumpaymentoptions
@
• Afterpremiumpaymentterm,planwillaccrueGuaranteed Additionsforremainingterm
@
• LumpsumGuaranteed LoyaltyAdditionattheendofthepolicyterm
• Enhancedprotectionthroughoptionalriders
KeyAdvantages
3. 2
PlanWorking:
Age : 30 years
Policy Term : 20 years
Annual Premium : ` 100,000
@
Guaranteed Addition p.a. : 35,000
`
Gender : Male
Premium Payment Term : 10 years
Basic Sum Assured : ` 17,35,180
(Derived basis Premium, Age, PPT & Policy Term)
@
Guaranteed Loyalty Addition : ` 1,80,000
Annual Premium: ` 100,000 p.a.
@
Guaranteed Additions =
` 35,000 p.a.
@
Guaranteed Maturity Benefit:
` 22,65,180/- i.e.
Basic Sum Assured
@
+ Accrued Guaranteed Additions
@
+ Guaranteed Loyalty Addition
Policy Term = 20 years
Premium Payment Term = 10 years
@
Guaranteed Additions accrual
Every year from end of
th
11 policy year
th
20
year
end
HowDoesthePlanWork?
Kotak Guaranteed Savings Plan is a savings and protection oriented plan providing guaranteed
benefits both on maturity and on death. Under the plan you pay premiums for the specified Premium
Payment Term. Once Premium Payment Term is over, from the end of the next policy year
@
Guaranteed Additions will accrue for the remaining policy term till the end of the last policy year. At
@
the end of the Policy Term, Guaranteed Maturity Benefit consisting of Basic Sum Assured PLUS
@ @
accrued Guaranteed Additions PLUS Guaranteed Loyalty Addition will be paid. The plan provides
protection throughout the policy term, with an option to add riders for enhancing your protection
cover.
In case of the unfortunate event of death of Life Insured anytime during the policy term, the
@
Death Benefit payable will be: ` 19,15,180/- PLUS Accrued Guaranteed Additions till the date
ofdeath.
0 5 10 15 20
4. 3
GuaranteedLoyaltyAddition:
Ø
Guaranteed Loyalty Addition will be as a % of the Annualised Premium (AP) and will be paid at
maturity.
Ø
Guaranteed Loyalty Addition rate will be baed on the Annualised Premium band and the
Premium Payment Term and Policy Term options chosen provided the policy is in force and all
premiumshavebeenpaid.
Ø
Theratesareasfollows:
GuaranteedAdditions:
Ø
After completion of the Premium Payment Term, starting from the end of the next policy year,
Guaranteed Additions will start accruing yearly under the plan till the end of the last policy year
providedthepolicyisinforceandallpremiumshavebeenpaid.
1
Ø
GuaranteedAdditionRateswillbeasa%oftheAnnualisedPremium (AP).
Ø
TheRateswillvarybyPremiumPaymentTerm&PolicyTermoptionsasfollows:
Savehigheramountandforlongertenure;gethigherGuaranteedLoyaltyAddition…
Choose longer term; for higher Guaranteed Additions & accrual for longer duration …
10 Years
14 Years
16 Years
15 Years
20 Years
14 Years
16 Years
15 Years
20 Years
5 Pay
5 Pay
5 Pay
5 Pay
5 Pay
7 Pay
8 Pay
10 Pay
10 Pay
15% of AP
15% of AP
16% of AP
18% of AP
17% of AP
25% of AP
30% of AP
32% of AP
35% of AP
th th
End of 6 policy year till the end of 10 policy year
th th
End of 6 policy year till the end of 14 policy year
th th
End of 6 policy year till the end of 16 policy year
th th
End of 6 policy year till the end of 15 policy year
th th
End of 6 policy year till the end of 20 policy year
th th
End of 8 policy year till the end of 14 policy year
th th
End of 9 policy year till the end of 16 policy year
th th
End of 11 policy year till the end of 15 policy year
th th
End of 11 policy year till the end of 20 policy year
Premium
Payment
Term
Policy
Term
Guaranteed Additions
(All Channels except Online Channel)
Accrual duration for the Guaranteed
Addition will be as follows:
Note: For Online rates please refer to the T&C Point 16
For All Channels (except Online Channel)
Guaranteed Loyalty Addition Rate (as % AP)
Annualised Premium
Band 10 years
< ` 50,000
>= ` 50,000 & < ` 1 lac
> = ` 1 lac
120%
162%
180%
125%
168%
187%
130%
175%
195%
135%
182%
202%
5 pay
14 years
5 pay 7 pay
16 years
5 pay 8 pay
15 years
5 pay
20 years
5 pay
90%
121%
135%
100%
135%
150%
110%
148%
165%
10 pay
115%
155%
172%
10 pay
120%
162%
180%
Note: For Online rates please refer to the T&C Point 16
5. Additional Protectionthrough riders:
PlanBenefits:
Increasetheprotectionlevelundertheplanbychoosingfromwiderangeofoptionalriders:
• Kotak Term Benefit Rider (UIN: 107B003V03): Allows additional death cover on the life of Life
Insuredoverandabovethebaseplan’sDeathBenefit.
• Kotak Accidental Death Benefit Rider (UIN:107B001V03): Lump sum benefit paid on
accidentaldeathoftheLifeInsuredinadditiontoDeathBenefitunderthebaseplan.
• Kotak Permanent Disability Benefit Rider (UIN:107B002V03): On permanent disability caused
duetoaccident,120%ofRiderSumassuredwillgetpaidoutoveraperiodof5years.
• Kotak Life Guardian Benefit Rider (UIN: 107B012V02): On death of Policyholder, future
premiums of the plan will get waived off and the base plan will continue as it is without any
changeintheplanbenefits
• Kotak Accidental Disability GuardianBenefit Rider (UIN107B011V02):Onaccidentaldisability
of Policyholder / Life Insured, future premiums of the plan will get waived off and the base plan
willcontinueasitiswithoutanychangeintheplanbenefits
Note:ForpoliciesavailedthroughPOSChannel,Ridersshallnotbeallowed
For more details on riders and exclusions please refer to the Individual Rider Brochure before
concludingthepurchase
*WaitingPeriod:
For policies issued through POS Channel, a waiting period of 90 days from the date of
commencement of risk of the policy is applicable. In case of death (other than due to accident)
during Waiting Period, only 100% of Premiums paid (excluding Goods and Services Tax and
Cess, if any) will be payable. Death Benefit will not be payable. Waiting period is not applicable for
deathduetoaccident.
4
MaturityBenefit :
Attheendofthepolicyterm,followingGuaranteedMaturityBenefitwillbepaidoutprovidedthe
policyisinforceandallpremiumsarepaid:
BasicSumAssured
PLUS AccruedGuaranteedAdditions
PLUS GuaranteedLoyaltyAddition
5
DeathBenefit :
Intheunfortunateeventofdeathduringthetermofthepolicy,thenomineewillreceive:
SumAssuredonDeath
PLUS AccruedGuaranteedAdditions
4
6. Eligibility
Entry Age
(as on last birthday)
Maximum Maturity Age
(as on last birthday)
Policy Term (Fixed)
Premium Levels
Premium Payment Term (PPT)
Premium Payment Mode
Premium Modal Factor
Basic Sum Assured
Min: 3years
Max:60years
Min: 18years
Max: For10PolicyTerm:70years
ForOtherPolicyTerm:75years
10years/14years/15years/16years/20years
Yearly,Halfyearly,Quarterly,Monthly
Following modal loadings will be used to calculate installment
Premium:
Yearly–100%,Halfyearly–51%,Quarterly–26%,Monthly–8.8%
WillbederivedbasisPremium,Age,PPT&PolicyTerm
WhereSumAssuredonDeathis,higherof(1),(2)and(3)below:
(1) 11timesof(AnnualisedPremiumincludingextrapremium),ifany
(2) BasicSumAssuredPlusGuaranteedLoyaltyAddition
(3) 105%ofallpremiumspaidincludingextrapremium,ifanytillthedateofdeath
You may avail of tax benefits as per the Income Tax Act, 1961 subject to conditions as specified in
those sections. Tax benefits are subject to change as per tax laws. You are advised to consult your
Tax Advisor for details. Goods and Services Tax and Cess as applicable shall be levied over and
abovepremiumamountshownhereasperapplicabletaxlaws.
TaxBenefits:
5
Yearly
Half-Yearly
Quarterly
Monthly
No Limit, but
it will be subject
to Broad Approved
Underwriting Policy
12,000/-
6,120/-
3,120/-
1,056/-
20,000/-
10,200/-
5,200/-
1,760/-
120,000/-
61,200/-
31,200/-
10,560/-
Minimum Maximum Minimum Maximum
All Channels (except POS) POS Channel
Frequency
PPT Policy Term
5 Pay 10 Years
5 Pay, 7 Pay 14 Years
5 Pay, 8 Pay 16 Years
5 Pay, 10 Pay 15 Years
5 Pay, 10 Pay 20 Years
7. Illustration:
Given below is an illustration of the benefits payable, for a healthy male aged 30 years for an Annual
Premium of ` 100,000 for a premium payment term of 10 years and policy term of 20 years and
BasicSumAssuredof ` 17,35,180/-:
Age
(years)
5
10
15
20
End of
Year
Cumulative
Annual
Premium (`)
@
Accrued Guaranteed
Yearly
Additions (`)
Death Benefit
(`)
@
Guaranteed
Maturity
Benefit (`)
@
Guaranteed
Loyalty
Addition (`)
35
40
45
50
500,000
10,00,000
10,00,000
10,00,000
-
-
1,75,000
3,50,000
-
-
-
1,80,000
-
-
-
22,65,180
19,15,180
19,15,180
20,90,180
22,65,180
Please note: The above illustration is an extract of a separate, more detailed benefit illustration. For
fulldetails,pleaserefertotheBenefitIllustration.TheabovepremiumfiguresareexclusiveofGoods
and Services Tax and Cess, as applicable. Goods and Services Tax and Cess thereon, shall be
chargedaspertheprevalenttaxlawsoverandabovethesaidpremiums.
6
8. 7
TermsandConditions
1. Annualised Premium: It refers to the premium payable in a policy year, excluding the
underwriting extra premiums, loadings for modal premium, if any., e.g. If the policyholder is
paying Half-yearly premium of `51,000 than the Annualised Premium will be `100,000 (51,000
/modalfactorof51%).
This premium will also be excluding Rider Premiums, if any and Goods and Services Tax &
Cess,asapplicable.
2. For policies issued on minor life, the risk commences immediately after the policy is issued. If
the policy has been taken on a minor Life Insured, the Policyholder should ensure that the plan
benefitsreceivedwhiletheLifeInsuredisstillaminorgetusedforthebenefitsoftheminorlife.
3. Vestingincaseofminorlife:
If the policy has been taken on the life of a minor, the policy shall automatically vest on him/her
with effect from the date of completion of 18 years of age and the Life Insured will become the
Policyholderfromsuchdate.
4. Maturitybenefitwillbereducedtoaccountforanyoutstandingloans(includinginterest).
5. Followingaresomeadditionalconditionspertainingtodeathbenefit:
• If the death occurs during grace period, the due unpaid premium (if any) till the date of
deathwillbedeductedfromtheaforesaiddeathbenefit.
• For policies, where the Premium Payment mode is not annual, balance of the Premium for
thatPolicyyearwillalsobedeductedfromtheDeathBenefitalongwithdueunpaid
premium(ifany).
• Thedeathbenefitwillbereducedtoaccountforanyoutstandingloans(includinginterest).
6. Grace Period: There is a grace period of 30 days from the due date for payment of premium for
theyearly,half-yearlyandquarterlymode,and15daysforthemonthlymode.
7. Policy Loan: Loans can be availed under this plan through Kotak Life Insurance up to the limit
of 50% of the Surrender Value of the policy. The Company shall determine the rate of interest
from time to time. Currently the interest rate is 9.40% p.a. but it can be revised from time to
time, subject to methodology approved by IRDAI. The policy will be unconditionally and fully
assigned to Kotak Life Insurance as security for the loan and interest repayments during the
period of the loan. The policy will not be auto foreclosed where all due premiums have been
paid. In case of any benefit payout before the end of term or at maturity, the Company is
entitled to deduct any outstanding loan amount, together with all interest payable before
makingsuchbenefitpayment.Theminimumamountofloanthatcanbegrantedis`10,000.
8. Lapses: Policy shall lapse from the due date of the first unpaid premium, if premiums for the
firsttwopolicyyearsarenotpaidwithinthegraceperiod
9. Surrender:
Policy will acquire Surrender Value after payment of full premiums for two consecutive policy
years
9. Guaranteed Surrender Value (GSV) shall be a percentage of total Premiums paid including
extra premium, if any (but excluding Goods and Services Tax and Cess and Rider premium, if
any)PLUSvalueofaccruedGuaranteedAdditions,ifany.
GSVFactorsaspercentageoftotalpremiumspaidarementionedinthetablebelow:
-
30%
35%
50%
50%
50%
50%
70%
90%
90%
-
-
-
-
-
-
-
-
-
-
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
-
30%
35%
50%
50%
50%
50%
55%
60%
65%
70%
80%
90%
90%
-
-
-
-
-
-
-
30%
35%
50%
50%
50%
50%
54%
58%
62%
65%
69%
73%
77%
81%
85%
88%
92%
96%
100%
Policy Year
5 Pay /
10 Years
Premium Payment Term / Policy Term
5 & 7 Pay
/ 14 Years
5 & 8 Pay /
16 Years
5 & 10 Pay /
15 years
-
30%
35%
50%
50%
50%
50%
56%
61%
67%
73%
78%
84%
90%
95%
-
-
-
-
-
-
30%
35%
50%
50%
50%
50%
54%
59%
63%
68%
72%
77%
82%
90%
90%
-
-
-
-
Value of accrued Guaranteed Additions (if any) is calculated as: [Accrued Guaranteed Additions X
GSVFactorasonthedateofSurrender)]
GSV Factors for accrued Guaranteed Additions will be as per Outstanding Term and will be as
follows:
8
Subject to the Minimum Guaranteed Surrender Value, the company may however pay a Special
Surrender Value (SSV) if higher. The Company may change the Special Surrender Value factor
subjecttopriorapprovalfromIRDAI.
On Surrender, higher of SSV (if available) or GSV will be payable. The surrender value will be paid out
as a lump sum benefit. After the Surrender benefit payout, all other benefits under the plan will
ceaseandthepolicywillgetterminated.
100%
91%
83%
75%
68%
62%
57%
51%
47%
43%
39%
0
1
2
3
4
5
6
7
8
9
10
Policy Year GSV Factor
5 & 10 Pay /
20 Years
10. 10. ReducedPaid-UpPolicy:
After the policy acquires Surrender Value, if the subsequent premiums are not paid within the
graceperiod,thepolicywillbeconvertedintoaReducedPaid-Uppolicybydefault.
• Upon being made Reduced Paid-up, policy will be eligible for accrual of Reduced
Guaranteed AdditionsandReducedGuaranteedLoyaltyAddition.
Thebenefitswillgetreducedproportionatelyasfollows:
- Reduced Paid-Up Sum Assured = (Total Premiums paid / Total premiums payable
overtheterm)XBasicSumAssured
- Reduced Guaranteed Additions = (Total Premiums paid / Total premiums payable
overtheterm)XGuaranteedAdditions
- Reduced Guaranteed Loyalty Addition = (Total Premiums paid / Total premiums
payableovertheterm)XGuaranteed LoyaltyAdditions
• If a Reduced Paid-up policy is surrendered, the surrender value (if any) for Base Policy and
Rider (if any) will be calculated as per the Surrender Value mentioned under “Surrender”
sectionaboveandSurrenderValueasperrespectiveRidertermsandconditions.
• Reduced Paid-Up policy can be revived and reinstated (to the original benefits) within 5
years from the date of first unpaid Premium subject to the conditions mentioned under
“PolicyRevival”section
• If policy in Reduced Paid Up mode is not revived during the revival period, it will continue in
thatmodeuntilmaturity,deathorsurrender,whicheverisearlier
• Payoutsin-casetheplancontinuesinReducedPaid-Upmode
PayoutatMaturity:
On survival of the life insured till the maturity date, the Guaranteed Maturity Benefit
payablewillbeasfollows:
ReducedPaid-UpSumAssured
PLUS accruedReducedGuaranteedAdditions
PLUS ReducedGuaranteedLoyaltyAddition
PayoutonDeath:
• SumAssuredonDeathwillgetreducedasfollowing:
Reduced Paid-Up Sum Assured on death: Sum Assured on death as on the date of policy
being made reduced paid-up X [(Total Premiums paid /Total premiums payable over the
term)]
• Ondeathofthelifeinsured,thebenefitpayablewillbe:
ReducedPaid-UpSumAssuredondeathPLUSaccruedReducedGuaranteedAdditions
11. Policy Revivals: A lapsed / Reduced Paid Up policy can be revived within five years from the
duedateofthefirstunpaidpremium.
• The revival can be done without evidence of good health on payment of the outstanding
premiums with interest rate (currently 9% p.a. of outstanding premiums), if the payment is
made within six months. Thereafter to revive the policy (referred as Major Revival) ,
evidence of good health would be required along with payment of the outstanding
9
11. premiums with interest rate (currently 9% p.a. of outstanding premiums). The interest rate
may be revised from time to time. Extra premiums may be required based on the
underwritingdecision.
• If lapsed policy is not revived during the revival period, the policy will be terminated without
payinganybenefits.
• If policy in Reduced Paid Up mode is not revived during the revival period, it will continue in
thatmodeuntilmaturity.
• Allbenefitsunderthepolicywillbereinstatedonrevivalofthepolicy.
• Riderscannot be revivedindependently and can only be revivedalong with the revivalof the
baseplan.
12. Nomination: Nomination will be allowed under the plan as per the provisions of Section 39 of
theInsuranceAct,1938asamendedfromtimetotime.
13. Assignment: Assignment will be allowed in the plan as per the provisions of Section 38 of the
InsuranceAct,1938asamendedfromtimetotime.
14. GeneralExclusion:
In the event of the life insured committing suicide within 12 months from date of
Commencement of Risk of the policy, 80% of the total Premiums paid till the date of death will
bepayable.
In case of suicide after 12 months from date of Commencement of Risk of the policy, following
willbeapplicable:
• In case of suicide within one year of the date of revival of the policy when the revival is done
within 6 months from the date of first unpaid premium, Suicide Exclusion shall not be
applicableandtheDeathBenefitundertheproductshallbepayable.
• However, in case of suicide within 1 year of the date of revival, when the revival is done after
6 months from the date of first unpaid premium, the benefit payable shall be higher of 80%
of total Premiums Paid till the date of death or Surrender Value (if any) as at the date of
deathprovidedthepolicyisinforce.
15. Free Look Period: The Policyholder is offered a 15 days free look period (except for electronic
policies and policies sold through Distance Marketing* mode - which will have 30 days), from
the date of receipt of this policy. During this period the Policyholder may choose to reconsider
his/her decision to hold this policy, or may choose to return the same within the said 15 / 30
days. Should the Policyholder choose to return the Policy, he/she shall then be entitled to a
refund of the premium paid after adjustments for expenses for medical examination, stamp
dutyandproportionateriskpremiumfortheperiodofcover.Apolicyoncereturnedshallnotbe
revived, reinstated or restored at any point of time and a new proposal will have to be made for
anewpolicy.
Thefreelookperiodapplicabletothispolicyis<15/30>days.
*Distance Marketing includes every activity of solicitation (including lead generation) and sale
of insurance products through the following modes: (i) Voice mode, which includes telephone
calling (ii) Short Messaging service (SMS) (iii) Electronic mode which includes e-mail, internet
and interactive television (DTH), (iv) Physical mode which includes direct postal mail and
newspaper & magazine inserts and (v) Solicitation through any means of communication
otherthaninperson.
10
12. 16. OnlineRates:Theonlinebenefitareasfollows
GuaranteedAdditions:
• GuaranteedAddition Rateswillbeasa%oftheAnnualised Premium (AP).
• TheRateswillvary byPremiumPaymentTerm&PolicyTermoptions asfollows:
GuaranteedLoyaltyAddition:
• Guaranteed Loyalty Addition will be as a % of the Annualised Premium (AP) and will be
paidatmaturity.
• Theratesareasfollows:
1
5 Pay
5 Pay
5 Pay
5 Pay
5 Pay
7 Pay
8 Pay
10 Pay
10 Pay
10 Years
14 Years
16 Years
15 Years
20 Years
14 Years
16 Years
15 Years
20 Years
End of 6th policy year till the
end of 10th policy year
End of 6th policy year till the
end of 14th policy year
End of 6th policy year till the
end of 16th policy year
End of 6th policy year till the
end of 15th policy year
End of 6th policy year till the
end of 20th policy year
End of 8th policy year till the
end of 14th policy year
End of 9th policy year till the
end of 16th policy year
End of 11th policy year till the
end of 15th policy year
End of 11th policy year till the
end of 20th policy year
Premium Payment
Term
Policy Term (Online Channel Only) Accrual duration for the Guaranteed
Addition will be as follows:
15.75%
15.75%
16.80%
18.90%
17.85%
26.25%
31.50%
33.60%
36.75%
< 50,000
Annualized
Premium Band 10 Years
Guaranteed Loyalty Additions Rate (as % AP)
5 Pay
14 Years
5 Pay 7 Pay
16 Years
5 Pay 8 Pay
15 Years
5 Pay 10 Pay
20 Years
5 Pay 10 Pay
>= 50,000 &
< 1 lac
> = 1 lac
94.50%
127.05%
141.75%
126.00%
170.10%
189.00%
105.00%
141.75%
157.50%
131.25%
176.40%
196.35%
115.50%
155.40%
173.25%
136.50%
183.75%
204.75%
120.75%
162.75%
180.60%
141.75%
191.10%
212.10%
126.00%
170.10%
189.00%
11
13. ExtractofSection41oftheInsuranceAct,1938asamendedfromtimetotimestates:
(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
beallowedinaccordancewiththepublishedprospectusesortablesoftheinsurer.
(2) Any person making default in complying with the provisions of this section shall be
liableforapenaltywhichmayextendtotenlakhrupees.
Section45:
Fraud, Misrepresentation and Forfeiture would be dealt with in accordance with
provisionsofSection45oftheInsuranceAct,1938asamendedfromtimetotime.
14. Kotak Guaranteed Savings Plan UIN: 107N100V03, Form No: N100, Kotak Term Benefit Rider, UIN: 107B003V03,
FormNo:B003;KotakAccidentalDeathBenefitRider,UIN:107B001V03,FormNo:B001;KotakPermanentDisability
Benefit Rider, UIN: 107B002V03, Form No: B002; Kotak Life Guardian Benefit, UIN: 107B012V02, Form No: B012;
KotakAccidentalDisabilityGuardianBenefit,UIN:107B011V02,FormNo:B011.
@
Guaranteed benefits due under this plan are available provided premiums are paid regularly for the entire
premium payment term and the policy is in force.
This is a non-linked, non-participating endowment plan. This is a saving and protection oriented plan. For sub-
standard lives, extra premium may be charged based on Kotak Life Insurance’s underwriting policy. For policies
issued through POS channel, Riders shall not be allowed. The product brochure gives only the salient features of
the plan. Please refer the policy document for specific details on all terms and conditions. For more details on
riders please read theRiderBrochure.
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: www.kotaklife.com | WhatsApp:
9321003007ITollFreeNo.:18002098800Ref.No.KLI/22-23/E-PB/122.
Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life
InsuranceCompany Ltd.underlicense.
AboutUs
Kotak Mahindra Life Insurance Company Ltd. is a 100% owned subsidiary of Kotak Mahindra
Bank Limited (Kotak) which provides insurance products with high customer empathy. Its product
suite leverages the combined prowess of protection and long term savings. Kotak Life Insurance is
oneofthegrowinginsurancecompaniesinIndiaandhascoveredoverseveralmillionlives.
Formoreinformation,pleasevisitthecompany'swebsiteatwww.kotaklife.com
KotakMahindraGroup
Kotak Mahindra Group is one of India's leading banking and financial services organizations,
offering a wide range of financial services that encompass every sphere of life. From commercial
banking, to stock broking, mutual funds, life insurance and investment banking, the Group caters to
thediversefinancialneedsofindividualsandthecorporatesector.
Formoreinformation,pleasevisitthecompany’swebsiteatwww.kotak.com
BEWAREOFSPURIOUSPHONECALLSANDFICTITIOUS/FRAUDULENTOFFERS
IRDAI is not involved in activities like selling insurance policies, announcing bonus or
investment of premiums. Public receiving such phone calls are requested to lodge a police
complaint.
SMS KLIFE to 5676788
TOLL FREE 1800 209 8800
WhatsApp: 9321003007
www.kotaklife.com