A personalised benefit illustration for Asdg

This is a personalised benefit illustration generated at the request of the respected prospective client.

Prepared by: Sandeep Barik

KLI Insurance Employee | sandeep.barik@kotak.com
M: 9920208890
Key Features

Offers protection up to the age of 75 years

Convenience of choosing Bonus options: Cash Payout or Paid-Up

Addition

Guaranteed Yearly Additions and Guaranteed Loyalty Addition

payable on maturity

Double protection cover on accidental death with Life Plus option

The mentioned points are only the salient features of the plan / riders please refer to the brochure(s) and policy document(s) for
specific details on all terms and conditions.
Benefit Illustration

@4%p.a: ₹17,020
@8%p.a: ₹29,670

Policy year 1 2 10 40

Annual Premium @4%p.a: ₹9,66,460

₹1,00,630# for 10 years @8%p.a: ₹17,40,870

You Pay You May Get^

@4%p.a: ₹16,30,240
₹10,06,300
@8%p.a: ₹28,98,000

Death Benefit

Higher of (11 times of Annual Premium, Basic Sum Assured,105% of total premiums paid) PLUS
Interim bonus, if any PLUS Terminal bonus

The above example is for 35 year old healthy male for Sum Assured of ₹9,20,000, PPT of 10 years and Cash Payouts as the chosen
bonus option. The diagram is exclusive of rider benefits and premium, if any.
#Premium is exclusive of GST & Cess, which will be charged over and above the mentioned premium; &Please note that Bonuses
are NOT guaranteed and may be as declared by the Company from time to time. ^The values are based on assumed investment rate
of return of 4% p.a. & 8% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what
you might get back as the value of your policy is dependent on a number of factors including future investment performance.
You may avail of tax benefits under Section 80C and Section 10(10D) of 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. The given
illustration is an extract of a separate, more detailed benefit illustration. For full details, please refer to the Benefit Illustration.
The features and illustrations given here are for demonstration purpose only. Please check with the agent for official documents
before concluding sale
Plan Details

Customer Details

Name of Life Insured Asdg

Age of Life Insured(in years) 35

Gender of Life Insured Male

Policy Details

Name of the product Kotak SmartLife Plan

Unique Identification Number 107N102V01

Basic Sum Assured ₹9,20,000

Amount of Installment Premium ₹1,00,630

Policy Term(in years) 40

Premium Payment Term(in years) 10

Premium Payment Mode Yearly

Option for Bonus Cash Payouts

The features and illustrations given here are for demonstration purpose only. Please check with the agent for official documents
before concluding sale
Plan Details

Second year
Premium First year
onwards

Base Premium(Yearly) ₹1,00,630 ₹1,00,630

Total Rider Premiums ₹0 ₹0

GST & Cess ₹4,528 ₹2,264

Total Yearly Premium(incl. GST &

₹1,05,158 ₹1,02,894
Cess)

Rider Rider Rider

Rider Name Rider SA
PPT Term Premium

Kotak Accidental Death

Benefit Rider(UIN: Not selected
107B001V03)

Kotak Term Benefit Rider(UIN:

Not selected
107B003V03)

Kotak Permanent Disability

Benefit Rider(UIN: Not selected
107B002V03)

Kotak Critical Illness

Plus Benefit Rider(UIN Not selected
107B020V01)

Kotak Accidental Disability

Guardian Benefit Rider(UIN: Not selected
107B011V02)

Kotak Life Guardian Benefit

Not selected
Rider(UIN 107B012V02

The features and illustrations given here are for demonstration purpose only. Please check with the agent for official documents
before concluding sale
Benefit Illustration

@ 4% p.a

Terminal Bo‐
Age (End of nus (on Basic
Premium#
Policy Year) Sum Assured Maturity
Cash Payouts Death Benefit
and Paid Up Benefit
Additions on
maturity)

1 1,00,630 17,020 0 0 11,06,930

2 1,00,630 17,020 0 0 11,06,930

3 1,00,630 17,020 0 0 11,06,930

4 1,00,630 17,020 0 0 11,06,930

5 1,00,630 17,020 0 0 11,06,930

6 1,00,630 17,020 0 0 11,06,930

7 1,00,630 17,020 0 0 11,06,930

8 1,00,630 17,020 0 0 11,06,930

9 1,00,630 17,020 0 0 11,06,930

10 1,00,630 17,020 0 0 11,06,930

11 0 17,020 0 0 11,15,026

12 0 17,020 0 0 11,15,762

13 0 17,020 0 0 11,16,498

14 0 17,020 0 0 11,17,234

15 0 17,020 0 0 11,17,970

16 0 17,020 0 0 11,18,706

17 0 17,020 0 0 11,19,442

18 0 17,020 0 0 11,20,178

19 0 17,020 0 0 11,20,914

20 0 17,020 0 0 11,21,650

21 0 17,020 0 0 11,22,386

22 0 17,020 0 0 11,23,122

23 0 17,020 0 0 11,23,858

24 0 17,020 0 0 11,24,594

25 0 17,020 0 0 11,25,330

The features and illustrations given here are for demonstration purpose only. Please check with the agent for official documents
before concluding sale
 @ 4% p.a

Terminal Bo‐
Age (End of nus (on Basic
Premium#
Policy Year) Sum Assured Maturity
Cash Payouts Death Benefit
and Paid Up Benefit
Additions on
maturity)

26 0 17,020 0 0 11,26,066

27 0 17,020 0 0 11,26,802

28 0 17,020 0 0 11,27,538

29 0 17,020 0 0 11,28,274

30 0 17,020 0 0 11,29,010

31 0 17,020 0 0 11,29,746

32 0 17,020 0 0 11,30,482

33 0 17,020 0 0 11,31,218

34 0 17,020 0 0 11,31,954

35 0 17,020 0 0 11,32,690

36 0 17,020 0 0 11,33,426

37 0 17,020 0 0 11,34,162

38 0 17,020 0 0 11,34,898

39 0 17,020 0 0 11,35,634

40 0 17,020 29,440 9,66,460 11,36,370

The features and illustrations given here are for demonstration purpose only. Please check with the agent for official documents
before concluding sale
 @ 8% p.a

Terminal Bo‐
Age (End of nus (on Basic
Premium#
Policy Year) Sum Assured Maturity
Cash Payouts Death Benefit
and Paid Up Benefit
Additions on
maturity)

1 1,00,630 29,670 0 0 11,06,930

2 1,00,630 29,670 0 0 11,06,930

3 1,00,630 29,670 0 0 11,06,930

4 1,00,630 29,670 0 0 11,06,930

5 1,00,630 29,670 0 0 11,06,930

6 1,00,630 29,670 0 0 11,06,930

7 1,00,630 29,670 0 0 11,06,930

8 1,00,630 29,670 0 0 11,06,930

9 1,00,630 29,670 0 0 11,06,930

10 1,00,630 29,670 0 0 11,06,930

11 0 29,670 0 0 13,24,510

12 0 29,670 0 0 13,44,290

13 0 29,670 0 0 13,64,070

14 0 29,670 0 0 13,83,850

15 0 29,670 0 0 14,03,630

16 0 29,670 0 0 14,23,410

17 0 29,670 0 0 14,43,190

18 0 29,670 0 0 14,62,970

19 0 29,670 0 0 14,82,750

20 0 29,670 0 0 15,02,530

21 0 29,670 0 0 15,22,310

22 0 29,670 0 0 15,42,090

23 0 29,670 0 0 15,61,870

24 0 29,670 0 0 15,81,650

25 0 29,670 0 0 16,01,430

26 0 29,670 0 0 16,21,210

The features and illustrations given here are for demonstration purpose only. Please check with the agent for official documents
before concluding sale
 @ 8% p.a

Terminal Bo‐
Age (End of nus (on Basic
Premium#
Policy Year) Sum Assured Maturity
Cash Payouts Death Benefit
and Paid Up Benefit
Additions on
maturity)

27 0 29,670 0 0 16,40,990

28 0 29,670 0 0 16,60,770

29 0 29,670 0 0 16,80,550

30 0 29,670 0 0 17,00,330

31 0 29,670 0 0 17,20,110

32 0 29,670 0 0 17,39,890

33 0 29,670 0 0 17,59,670

34 0 29,670 0 0 17,79,450

35 0 29,670 0 0 17,99,230

36 0 29,670 0 0 18,19,010

37 0 29,670 0 0 18,38,790

38 0 29,670 0 0 18,58,570

39 0 29,670 0 0 18,78,350

40 0 29,670 7,91,200 17,40,870 18,98,130

The features and illustrations given here are for demonstration purpose only. Please check with the agent for official documents
before concluding sale
 Presented by
Sandeep Barik
KLI Insurance Employee
M: 9920208890