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| Life Insurance> Individual Insurance Plans> Savings & Investment Plans> Kotak Ace Investment |
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| "IN THIS POLICY THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER." |
 Overview |
| You understand the importance of planning judiciously for your future and you are willing to invest on a regular basis to ensure that you achieve your goals. However, choosing that right investment avenue is not an easy task. An ideal plan would be the one that helps you earn good returns over the medium to long run and at the same time provide you with requisite flexibility and liquidity. |
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| Why
is it an Ideal Plan? |
| This plan offers you a wide range of fund options to suit your risk return profile and convenient payment and withdrawal options to make investing a breeze for you. You also enjoy the shield of insurance to protect your family from adversity. |
| Advantages |
- Customize your fund portfolio to suit your risk profile
- Enjoy flexibility through convenient payment options
- Avail of cash in case of need through partial withdrawals and loans
- Add more to your kitty through Top-Up premiums
- Boost your protective cover through optional rider benefits
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| Key Features |
 Customize your fund portfolio to suit your risk profile |
| Kotak Ace Investment offers you the flexibility to choose from a wide array of 8 funds. The investment mandate for these funds is diverse enough to ensure that you will find the fund that suits your risk-return profile flawlessly. You also have the option to switch from one fund to another for greater control over your investments. The funds offered in this plan are: |
| Investment Options |
Risk- Return Profile |
Equity |
Debt (Including Money Market Instruments*) |
| Classic Opportunities Fund : SFIN-ULIF-033-16/12/09-CLAOPPFND-107 |
Aggressive |
75-100% |
0-25% |
| Frontline Equity Fund : SFIN-ULIF-034-17/12/09-FRLEQUFND-107 |
Aggressive |
60-100% |
0-40% |
| Balanced Fund : SFIN- ULIF-037-21/12/09-BALKFND-107 |
Moderate |
30-60% |
40-70% |
| Dynamic Floor Fund II : SFIN-ULIF-035-17/12/09-DYFLRFND2-107 |
Cautious |
0-75% |
25-100% |
| Dynamic Bond Fund ULIF-015-15/04/04-DYBNDFND-107 |
Conservative |
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100% |
| Dynamic Floating Rate Fund ULIF-020-07/12/04-DYFLTRFND-107 |
Conservative |
| Dynamic Gilt Fund ULIF-006-27/06/03-DYGLTFND-107 |
Conservative |
| Money Market Fund : SFIN-ULIF-041-05/01/10-MNMKKFND-107 |
Secure |
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100% |
| Discontinued Policy Fund SFIN-ULIF-050-23/03/11-DISPOLFND-107 |
Secure |
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100% |
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| *Investments in Money Market Instruments will not exceed 40%, except for Money Market Fund and Discontinued Policy Fund |
 Enjoy flexibility through convenient payment options |
| This plan offers you the option of a shorter term for premium payment where you can choose to pay off your premiums in 5 years for a policy term of 10 years and 10 years for policy terms of 15, 20, 25 and 30 years. Further, you can pay your premiums annually, half-yearly, quarterly or monthly as per your requirement. |
 Avail of cash in case of need through partial withdrawals and loans |
| To ensure that your long-term investments are flexible enough to account for your current needs, Kotak Ace Investment offers you the option of partial withdrawals and loans. You can avail of a loan up to 40% of the Fund Value in Main and Top-Up Account to meet any contingency, after two years premium have been paid. After completion of five policy years, you get additional liquidity through partial withdrawals. |
 Add more to your kitty through Top-Up premiums |
| You can invest your surplus funds as Top-Ups, thus adding to your savings potential. You also enjoy Top-Up Sum Assured that adds to your existing cover. |
 Boost your protective cover through optional rider benefits |
| To ensure comprehensive protection for your family, you may opt for any of the following rider benefits: |
- Kotak Term Benefit (KTB)/ Kotak Preferred Term Benefit (KPTB)
- Kotak Critical Illness Benefit (CIB)
- Kotak Accidental Death Benefit (ADB)
- Kotak Permanent Disability Benefit (PDB)
- Kotak Life Guardian Benefit (LGB)
- Kotak Accidental Disability Guardian Benefit (ADGB)
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| 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 those sections . Tax benefits are subject to change as per tax laws. You are advised to consult your Tax Advisor for details |
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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 Ace Investment 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 policy document of the insurer
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| Kotak Ace Investment UIN - 107L064V01, Form No. - L064, Reference No. - KLI/11-12/E-WEB/138 |
| Kotak Accidental Death Benefit UIN 107C001V01, Form No. C001 Kotak Permanent Disability Benefit UIN 107C002V01, Form No. C002, Kotak Term Benefit UIN 107C003V02, Form No. C003, Kotak Critical Illness Benefit UIN 107C004V02, Form No. C004, Kotak Accidental Disability Guardian Benefit UIN 107C011V01, Form No. C011, Kotak Life Guardian Benefit UIN 107C012V01, Form No. C012, Kotak Preferred Term Benefit UIN 107C013V01, Form No. C013 |
Regn. No.: 107,
Regd. Office:
Kotak Mahindra Old Mutual Life Insurance Ltd.
4th Floor, Vinay Bhavya Complex,
159 A, C.S.T. Road, Kalina,
Santacruz (East),
Mumbai - 400 098
Website: http://insurance.kotak.com
Email: lifeexpert@kotak.com.
SMS KLIFE to 5676788 Toll Free No. – 1800 209 8800 |
| Insurance is the subject matter of the solicitation. This is a unit linked non-participating endowment plan. This website content is not a brochure and only gives the salient features of the plan. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale. For more details on Rider benefit, please refer the Rider Brochure. |
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