Kotak

Smart Advantage

Make every rupee work for your happiness

Zindagi se ek kadam aagey

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 Zindagi se ek kadam aagey

Kotak Smart Advantage

Make every rupee work for your happiness

Every step in your life brings with it new learning’s. You are determined to make
the best of it, so that you can look forward to a great future. How you shape your
tomorrow depends greatly on how you build on your today.

Kotak Life Insurance introduces Kotak Smart Advantage offering you a smart
solution to put your savings to work today for a brighter tomorrow. It is a market
linked plan with 100%1 premium allocations helping you accumulate wealth
systematically, over the long-term.

Kotak Smart Advantage is a great combination of investment with insurance

designed to enable you to make the best use of your hard-earned money that puts
you right ahead.

Note
In this policy, the investment risk in the investment portfolio is borne by the
policyholder.

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 How does this plan work?

Kotak Smart Advantage optimizes the return on your premiums paid through a smart mix of
assured additions and 100%1 premium allocation.

Your first year’s premium contributes towards guaranteeing you an Assured Addition Advantage2
that boosts your fund value at regular intervals throughout the term of the policy. The longer
your premium paying term, the higher will be the value of the advantage.

The Assured Addition Advantage is a powerful combination of two benefits:

A. Fixed Advantage
The Fixed Advantage benefit is an assured value guaranteed at the end of your premium
payment term. This benefit is calculated as a percentage of your first year premium depending
on the premium payment term chosen, provided your policy is in force and all premiums are
fully paid up to date.

Premium Payment Term

3 or 5 years 10 years 15 years 20 years 25 years 30 years

Fixed Advantage Benefit

(as a percentage of First 100% 110% 135% 175% 225% 275%
Year Premium)

B. Dynamic Advantage
The Dynamic Advantage benefit is an assured bonus addition credited to your fund value at
the end of every 10th, 15th, 20th, 25th and 30th policy year. This benefit will be calculated as
a percentage of the average value of funds in the three years preceding the benefit allocation,
provided your policy is in force and all premiums are fully paid up to date.

At the end of Policy Year

10 years 15 years 20 years 25 years 30 years

Dynamic Advantage Benefit

(as a percentage of average fund 1.10% 1.35% 1.75% 2.25% 2.75%
value in the last three years)

The Assured Addition Advantage lets you enjoy the benefits of a fixed assurance and a
dynamic benefit directly linked to your fund value, to help you tread comfortably and swiftly
towards your goals.

Further, the plan makes your money work smarter for you through 100%1 premium allocation
in each policy year from second year onwards, in the funds of your choice.

On maturity of your policy, you will receive the Fund Value and the Fixed Advantage benefit,
provided your premiums are always fully paid up to date. The Dynamic Advantage benefit would
have already been credited in the Fund Value at the specified intervals to accumulate more for
you at the end.

Please Note: Assured Addition Advantage benefit does not apply to premiums paid towards top-ups.

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What can you gain by investing in Kotak Smart
Advantage?

Smarter Avenues for Growth

Smart investing is based on the fundamental idea of regular savings and the power of
compounding, which is a great way to multiply your money. It makes small savings transform
into jackpots if planned with a long-term vision and right investment fund options.

Kotak Smart Advantage, with its power-packed and well-defined fund options, gives you
unmatched benefits to maximize your earnings potential. Each of these funds is carefully crafted
to suit your individual long-term needs.

Investment Risk-Return
Objective Equity Debt
Option Profile
Aims to maximize opportunity for long-term
75% 0%
Opportunities capital growth by holding significant portions in a
Aggressive to to
Fund diversified and flexible mix of large/medium sized
100% 25%
stocks.

Aims to provide inflation-beating growth over

0% 25%
Dynamic Floor medium to long-term through exposure to large-
Cautious to to
Fund ^ sized company stocks, whilst shielding the capital
75% 100%
invested against short-term market volatility.

Aims to preserve capital and minimize downside

Dynamic Bond
risks by holding investments in debt and Conservative - 100%
Fund^
government instruments.

^Not more than 40% of the allocated premiums to this fund will be invested in money market instruments.

You can distribute your investments across one or more funds based on your needs and goals,
keeping in mind your time horizon and risk appetite. You also have the convenience of switching
your monies between funds to balance your needs and risk appetite at different stages of life.

Smarter Financial Protection for your loved ones

Kotak Smart Advantage allows you to shoulder all your responsibilities to the fullest. In the
unfortunate event of loss of life, your beneficiary will receive a life cover3 benefit equal to the
higher of:
Basic Sum Assured; OR
Fund Value plus the Fixed Advantage benefit
You have the flexibility to choose any multiple of your first year premium as the Basic Sum
Assured according to your lifestage needs, subject to underwriting conditions.

Smarter Savings to avail Tax Benefits

You can avail of tax benefits under Section 80C and Section 10 (10D) of Income Tax Act, 1961.
Tax benefits are subject to change in the tax laws. You are advised to consult your Tax Advisor
for details.

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 Enhancing Your Options
You can further add value to your plan by opting for these additional features:

It is important that your investments are spread out systematically over longer
periods. This makes them affordable and you benefit from the power of
compounding that generates “real” returns by outpacing the cost of living.
Kotak Smart Advantage helps you do just that by allowing you to decide the
Premium Payment
term over which you want to pay the premium. You have an option of 3, 5,
Options
10, 15, 20, 25 or 30 years.
Further, you also have the flexibility to pay premiums at intervals that suit you
- annually, half-yearly, quarterly or monthly*. You may change the payment
mode on policy anniversaries.
*through ECS or SI only.

Top-up Premiums 4
You can invest your surplus funds at any time as Top-ups, thus adding to your
savings potential.

Switching between Switch or change in future premium allocation between fund options as per
the funds your needs and investment objectives to maximize your returns.

Be able to meet any sudden or unforeseen expenses, from year 4 onwards by

Partial Withdrawals 5 withdrawing upto 10% of the fund value in any policy year. For any withdrawals
in excess of this limit, the Fixed Advantage Benefit2 will be revised.

Enables your insurance cover to remain intact, whilst your fund balance allows
Automatic Cover
it, should you miss your premium payments or stop them all together. The
Maintenance 6
Assured Addition Advantage2 is revised in the Automatic Cover Maintenance
mode.

Settlement Options7 Provides flexibility to receive your policy benefits in the form of:
(available at maturity or • A lump sum payment; OR
death, as applicable) • Equal installments over a maximum period of five years

Offers the option of returning your policy document within 15 days from
the date of receipt of the policy if you are not satisfied with the plan. The
Free Look Period amount refunded would be the premium paid after adjustments for expenses
for medical examination, stamp duty and proportionate risk premium for the
period of cover.

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Eligibility – A Ready Reckoner
This simple eligibility table will help you structure the plan as per your requirement.

Min – 0 years
Entry Age
Max – 65 years

Min – 18 years
Maturity Age
Max – 75 years

Regular – 10 / 15 / 20 / 25 / 30 years
For Minors, minimum term – 10 years or 18 less entry
Policy Term
age at last birthday, whichever is higher, rounded to
the next higher policy term available.

Regular – Full Policy Term

Premium Payment Term (PPT) Limited Premium Payment – 3 or 5 years (applicable
only with policy terms of 10 / 15 / 20 years)

Regular PPT – Rs.10,000 p.a.

Minimum Premium
Limited PPT – Rs. 36,000 p.a.

Min – 0.5 x Policy Term x Annual premium

Basic Sum Assured Max – Any multiple of premium, subject to
underwriting

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 Plan Snapshot
25-year-old Dinesh realizes the benefits of astute financial planning and wants to save for the
long term in a systematic way. He is looking for a plan that gives him the comfort that his savings
are being put to work from day one and optimizes his growth potential in the long run.

Dinesh has found the solution to his needs in Kotak Smart Advantage. Given below is an
illustration of the benefits payable to him for an annual premium of Rs. 40,000 for a 30 year
term with a guaranteed basic sum assured of Rs. 600,000:

Guaranteed Non-Guaranteed Benefits at 6% Non-Guaranteed Benefits at 10%

Cumulative
Age Benefits -
Annual
(in
Premium Fixed Dynamic  Dynamic
years) Death Fund Death
(in Rs.) Advantage Advantage Fund Value Advantage
Benefit Value Benefit
(A) (B)  (C) 

35 4,00,000 4,105 441,839 600,000 4,846 540,956 650,956

40 6,00,000 9,334 786,903 896,903 12,336 1,080,883 1,190,883
45 8,00,000 19,186 1,228,810 1,338,810 28,680 1,913,020 2,023,020
50 10,00,000 36,334 1,799,042 1,909,042 62,027 3,204,244 3,314,244
55 12,00,000 110,000 62,795 2,538,571 2,648,571 123,520 5,217,985 5,327,985
Assured Addition Assured Addition
Advantage (A+B) as % 604% Advantage (A+C) as % 854%
of first year premium: of first year premium:

Maturity Benefit (in Rs.): 2,648,571 Maturity Benefit (in Rs.): 5,327,985

Net Yield (gross of Net Yield (gross of

4.79% 8.51%
mortality charges): mortality charges):

Please note:

For illustration purposes, the fund chosen is Dynamic Bond Fund.

The maturity benefit is equal to Fund value plus the Fixed Advantage Benefit.
The snapshot above is an extract of a separate, more detailed benefit illustration. For full details, please refer to the
Benefit Illustration.

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Charges
Premium Allocation Charge
The first year premium contributes towards guaranteeing you with the Assured Addition
Advantage and is not allocated to the investment funds.
From year 2 onwards, an allocation charge as a percentage of the premium received is levied.
The net premiums will be then allocated at the NAV8 prevailing on the date of receipt of the
premiums.
The premium allocation charge as a basis of the premium received is shown below:
Annual Premium (Rs.)

Policy Year < Rs. 36,000 > = Rs. 36,000

2-5 2% Nil
6-10 1% Nil
11+ Nil Nil

The allocation charge for each Top-up will be 1% of the Top-up premium.

Fund Management Charge

To manage your money efficiently, an annual charge is levied as a percentage of the fund value
and is adjusted in the Net Asset Value. The charges for the available fund options are as below:
Dynamic Bond Fund – 1.2%, Dynamic Floor Fund – 1.75% and Opportunities Fund – 2.0%

Administration Charge
The administration charge will be Rs. 65 p.m. at the commencement of the policy, inflating by
5% per annum each policy year. This charge will be recovered by monthly cancellation of units
throughout the policy term. Policy administration charge will be waived in the first year.

Switching Charge
The first four switches in a year are free. For every additional switch thereafter, Rs. 500 will be
charged.

Surrender Charge
The surrender charge is a percentage of the fund value. The amount payable is the fund value
less the surrender charge. Incase of discontinuance of premium within the first policy year itself,
surrender value equal to 10% of the premiums received will be payable. Thereafter, a surrender
charge equal to (8 – N) as percentage of the fund value will apply, where N is the year of
surrender9. For Limited Premium Payment options, an additional surrender charge of 2% of the
fund value will apply.
No surrender charge will apply from the 8th policy year onwards. The Fixed Advantage benefit
ceases in case of policy surrender any time during the premium payment term.
These charges and benefits do not apply to your Top-up premium.

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 Partial Withdrawal Charge
Partial withdrawals are not allowed in the first 3 years. From year 4 onwards, a part of the fund
value5 in any policy year can be withdrawn and the charge applicable as a percentage of the
amount withdrawn is the same as that for surrender.
Besides the partial withdrawal charges, there are no other expense charges for the first two
withdrawals in a policy year. There is an additional expense charge of Rs.500 per withdrawal
for the third and subsequent withdrawals in a policy year. These charges do not apply to your
Top-up accounts.

Mortality Charge
No mortality charges are levied in the first year. From year 2 onwards, the cost of life cover will
be levied by cancellation of units on a monthly basis. Given below are the charges per thousand
sum at risk* for a healthy individual:

Age (in years) 25 35 45 55

Mortality Charge 1.548 1.828 3.573 9.042

*Sum at Risk = Death Benefit – Fund Value

Miscellaneous Charge
The charges for alteration in the policy contract and revival are Rs. 500 per request. For premium
redirection a fee of Rs. 100 will be charged.

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Terms & Conditions
1. 100% unit allocation from second year onwards applies for annual premium sizes equal to and above
Rs. 36,000 only. For annual premium sizes below Rs. 36,000, premium allocation charge as explained in
the charges section will apply.

2. The Assured Addition Advantage is a combination of the Fixed Advantage and the Dynamic Advantage
benefits.
For the Limited Premium Payment option of 3 or 5 years, the Fixed Advantage benefit is added to the
fund value at the end of the premium payment term. The maturity benefit payable thereafter will be the
fund value (including the value of Dynamic Advantage benefit).
The Fixed Advantage benefit reduces as the policy enters the Automatic Cover Maintenance mode and
will be revised as a percentage of the average premiums paid during the premium payment term (i.e.
sum of premiums paid divided by premium payment term). The Dynamic Advantage benefit ceases in
the Automatic Cover Maintenance mode. However, the Fixed Advantage and the Dynamic Advantage
benefits i.e. the Assured Addition Advantage will be reinstated on policy revival.
Premium alterations are only permitted after the first 3 policy years. In case of any premium reduction
or increase, the Fixed Advantage benefit will be revised as a percentage of the average premiums paid
during the premium payment term (i.e. sum of premiums paid divided by premium payment term).
Premium increases beyond the originally contracted level can only be made by way of top-ups.

3. In case the life insured commits suicide during the first year of the plan or within one year from the date
of revival, the beneficiary will receive the fund value only (including any fund value in top-up account). If
death occurs within five years from the date of commencement and the life insured has not attained age
18, the death benefit would be greater of all the premiums paid or the fund value plus any fund value
in the top-up account.

4. Top-ups will be invested in separate Top-up Accounts, each with a lock-in period of 3 years from the
date of Top-up, except during the last 3 policy years. Minimum top-up premium is Rs.10,000 per top-
up. For the portion of the Top-up exceeding 25% of the cumulative premiums, there will be a top-up
sum assured of 1.25 times the excess amount, subject to underwriting. At maturity or death of the life
insured, the value in the top-up account, if any will be paid.

5. Partial withdrawals will be allowed after completion of three policy years and provided three full years
premiums are paid. Minimum amount for partial withdrawal is Rs.10,000. Partial withdrawals should be
in multiples of Rs.1,000.
The sum of partial withdrawals in any policy year should not exceed 10% of the fund value at the time of
withdrawal (excluding top-up accounts fund value). For partial withdrawals beyond this limit, the Fixed
Advantage benefit will be revised to 100% of the average premium paid during the premium payment
term. Partial withdrawals must be made first from the qualifying top-up accounts.
Partial withdrawals will have the following effect on your Sum Assured: (1) Up to the age of 60 years,
Sum Assured payable on death is reduced to the extent of partial withdrawals made in the preceding
two years (2) After the age of 60 years, Sum Assured payable on death is reduced to the extent of all
partial withdrawals made from age 58 years onwards.

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 6. The Automatic Cover Maintenance facility is available only after payment of first three years’ premiums
in full and the policy has completed 3 years.
During this period, the Assured Addition Advantage will be revised as explained in point (2) above.
However, the Death Benefit to the life insured will remain intact.
The Automatic Cover Maintenance facility is available until the end of two years from the due date of the
first unpaid premium or until the fund value reaches a level equal to one year’s premium after deduction
of applicable policy charges, whichever is earlier. After two years from the due date of the first unpaid
premium, the policy will be terminated by paying the applicable surrender value, unless the policyholder
expresses in writing to continue the policy in Automatic Cover Maintenance mode.

7. On selecting the Settlement Option, the value of the payments will depend on the number of units and
the respective fund NAVs as on the date of each payment. Partial withdrawals and switches are not
allowed during this period. During the settlement period, the investment risk in the investment portfolio
is borne by the policyholder. Life cover and other benefits are not provided during the settlement
period.
On selecting the death benefit Settlement Option, the semi-annual installments per thousand benefit
amount will be:
Settlement Term (in years) 5 4 3 2 1
Minimum semi-annual installment (in Rs.) 108 133 175 259 511

In case of settlement option at maturity, you can elect to receive a percentage of the maturity proceeds
in cash and the balance by way of pre-selected periodic installments, for up to 5 years after maturity by
informing the company within a period of 3 months preceding the maturity of the policy.

8. The NAVs of your fund are calculated and published in financial newspapers on a daily basis.
Net Asset Value (NAV) = (Market Value of investment held by the fund +/- the expenses incurred in
the purchase/sale of assets + value of Current Assets + any accrued income net of fund management
charges – value of Current Liabilities- Provisions) divided by Number of outstanding units in the Fund.
The basis used for unit pricing would be appropriation price or the expropriation price, whichever prevails
on the valuation date. The Appropriation price shall be the basis used for determining unit price when
the Company purchases assets to allocate the units at the valuation date. The Expropriation price shall
be the basis in a situation when the Company sells assets to redeem the units at the valuation date.
Where premiums are paid by outstation cheques, the NAV of the clearance date or due date, whichever
is later, will be used for allocation of the premium. Transaction requests (including renewal premiums by
way of local cheques, demand draft, switches, etc.) received before the cutoff time will be allocated to
the same day’s NAV and the ones received after the cutoff time will be allocated to the next day’s NAV.
The current cutoff time is 3:00 p.m. which may vary from time to time as per IRDA guidelines.
Premiums received in advance will be allocated on the scheduled due dates. No interest will be paid on
such premiums.

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9. You can access your investments after completion of the 3rd policy year by way of partial withdrawals
or surrender. If premium for the first three policy years is not paid in full and within the grace period
(15 days for monthly mode and 30 days for other modes), all policy benefits (including Life Cover,
Assured Addition Advantage) will cease. If the policy is not revived within two years of the first unpaid
premium, the contract shall be terminated and the surrender value paid out at the end of the third policy
anniversary or at the end of the revival period whichever is later. During this period, the funds continue
to remain invested in the funds of your choice.
The policy can be revived within 2 years from the date of first unpaid premium. Revival can be done
without proof of good health, if the payment of the outstanding premiums is made within six months
from due date of the first unpaid premium. Thereafter to revive the policy, proof of good health would
be required with payment of outstanding revised premiums, subject to underwriting. All policy benefits
will be re-instated on revival.

10. No loan is available under this product.

11. Kotak Life Insurance reserves its right to impose charges not beyond the level mentioned below:

The administration charges will not be increased from their initial level by more than 5% per
annum.
The fund management charges will not be increased from their initial level by more than 40%.
The switching and withdrawal charges may be increased to a maximum of Rs.1,000.
Mortality charges are guaranteed for the term of the policy.
Service tax and education cess shall be recovered on the date of commencement of the
policy and on each monthly due date whilst the policy remains in force and shall be recovered
by cancellation of units.
Any increase in charges will only be made after approval from the Insurance Regulatory and Development
Authority.

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 Optimal Financial Planning In 5 Easy Steps
Now that you are aware of the Kotak Smart Advantage details, here’s how you can structure
your financial planning in 5 easy steps:

Step 1: Decide how much you want to save in a year to fulfill your financial goals, payable
as the premium amount.
Step 2: Decide the term of the policy, the number of years you want to save, depending on
your age and priorities.
Step 3: Decide your life cover, basis your financial protection needs.
Step 4: Choose your fund options to suit your risk appetite and financial goals.
Step 5: Add more value to your plan by choosing the optional benefits.

If you would like to choose a term of 30 years, given below are the various benefits for selected
ages, at a basic sum assured of Rs. 600,000:

Age of the customer (in yrs.) 25 30 35 40

Annual Premium Paid (in Rs.) 40,000 40,000 40,000 40,000
Death Benefit (at end of policy term):
at 6% investment return (in Rs.) 2,648,571 2,637,655 2,615,861 2,578,840
at 10% investment return (in Rs.) 5,327,985 5,311,214 5,273,415 5,208,513
Assured Addition Advantage (at end of policy term):
in Rs. 241,753 241,310 240,335 238,669
at 6%
investment as a percentage
return of first year 604% 603% 601% 597%
premium (%)
in Rs. 341,408 340,779 339,248 336,604
at 10%
investment as a percentage
of first year 854% 852% 848% 842%
return premium (%)

Maturity Benefit:
at 6% investment return (in Rs.) 2,648,571 2,637,655 2,615,861 2,578,840
at 10% investment return (in Rs.) 5,327,985 5,311,214 5,273,415 5,208,513
Please Note: For illustration purposes, the fund chosen is Dynamic Bond Fund.

While you save systematically and enjoy returns, we work towards enhancing your savings safely
and smartly, thus steering you surely and steadily towards your dreams.

If you need any further information on how you can start investing in this plan, our Life
Insurance Advisor will be happy to hear from you.

Here’s looking forward to a bright tomorrow – today!

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RISK FACTORS
• Unit Linked Life Insurance products are different from the traditional insurance products and
are subject to the risk factors.
• The premium paid in Unit Linked Life Insurance policies are subject to investment risks
associated with capital markets and the NAVs of the units may go up or down, based on the
performance of fund and factors influencing the capital market and the insured is responsible
for his/her decisions.
• Kotak Mahindra Old Mutual Life Insurance Ltd. is only the name of the Insurance Company
and Kotak Smart Advantage is only the name of the unit linked life insurance contract and
does not in any way indicate the quality of the contract, its future prospects or returns. The
various funds offered under this contract are the names of the funds and do not in any way
indicate the quality of these plans, their future prospects and returns.
• Please know the associated risks and the applicable charges from your Insurance Agent or
Corporate Agent / Insurance Broker or the policy contract.

Section 41 of the Insurance Act, 1938 states :

(1) No person will allow or offer to allow, either directly or indirectly, as an inducement to any
person to take out 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 will any person taking out or renewing or
continuing a policy accept any rebate, except such rebate as may be allowed in accordance
with the published prospectuses or tables of the insurer.
(2) Any person making default in complying with the provision of this section will be punishable
with fine, which may extend to Rs. 500.

Section 45 of the Insurance Act, 1938 states :

No policy of life insurance shall, after the expiry of two years from the date on which it was
effected, be called in question by an insurer on the ground that a statement made in the
proposal of insurance or any report of a medical officer, or a referee, or friend of the insured,
or in any other document leading to the issue of the policy, was inaccurate or false, unless
the insurer shows that such statements was on material matter or suppressed facts which it
was material to disclose and that it was fraudulently made by the policyholder and that the
policyholder knew at the time of making it that the statement was false or that it suppressed
facts which it was material to disclose. Provided that nothing in this section shall prevent the
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 the terms of the policy are adjusted on
subsequent proof that the age of the life insured was incorrectly stated in the proposal.
About us
Kotak Mahindra Old Mutual Life Insurance is a joint venture between Kotak Mahindra Bank Ltd., its
affiliates and Old Mutual plc. The Company is one of the fastest growing insurance companies in India and
has shown remarkable growth since its inception in 2001.
Kotak Mahindra Group believes in offering its customers a lifetime of value. This commitment has made
it a leading financial services group employing around 12,300 people in its various businesses, with a
distribution network of branches, franchisees, representative offices and satellite offices across 320 cities
and towns in India and offices in New York, London, Dubai, Mauritius and Singapore. The Group services
around 2.9 million customer accounts.
Old Mutual plc is an international savings and wealth management company based in the UK. Originating
in South Africa in 1845, it is among the 50 largest companies in the FTSE100. The group has a balanced
portfolio of businesses offering Asset Management, Life Assurance, Banking and General Insurance Services
in over 40 countries, with a focus on South Africa, Europe and the United States, and a growing presence
in Asia Pacific. Old Mutual plc employs approximately 53,000 employees worldwide and is listed on the
London and Johannesburg stock exchanges. 

Numbers are as on June 30, 2007

6050 5000
TOLL FREE 1800 22 8081
SMS KLIFE to 5676788
lifeexpert@kotak.com
www.kotaklifeinsurance.com

Zindagi se ek kadam aagey

Kotak Smart Advantage - UIN 107L043V01, Form No.: KSAP, Ref. No.: KLI\0102\IRDA\ADV\271
Kotak Mahindra Old Mutual Life Insurance Ltd. Regn. No.:107, Regd. Office: 9th floor, Godrej
Coliseum, Behind Everard Nagar, Sion (East), Mumbai – 400 022. Website: www.kotaklifeinsurance.com
Email: lifeexpert@kotak.com
Insurance is the subject matter of the solicitation. This is a unit linked non-participating endowment plan.
This document is not a contract of insurance and must be read in conjunction with the Benefit Illustration
and Policy Document.