Call us at: 1800 209 8800

Mail us at: lifeexpert@kotak.com

SMS KLIFE to 5676788

About Kotak Mahindra Old Mutual Life Insurance Ltd

WWW.KOTAKLIFEINSURANCE.COM
Kotak Mahindra Old Mutual Life Insurance Ltd is a joint venture between Kotak Mahindra Bank Ltd., its
affiliates and Old Mutual. A company that combines its international strengths and local advantages to
offer its customers a wide range of innovative life insurance products, helping them in taking important
financial decisions at every stage in life and stay financially independent. The company is one of the
fastest growing insurance companies in India and has shown remarkable growth since its inception in
2001. Kotak Life Insurance employs around 5,565 people in its various businesses and has 197 branches
across 141 cities.
The Kotak Mahindra Group
WWW.KOTAK.COM
The Kotak Mahindra group is one of India’s leading banking and financial services organizations, with
offerings across personal financial services; commercial banking; corporate and investment banking and
markets; stock broking; asset management and life insurance. The Kotak Group has over 1,300 offices,
and services around 5.9 million customer accounts across India. Kotak also has offices in London, New
York, San Francisco, Singapore, Dubai and Mauritius
Old Mutual
WWW.OLDMUTUAL.COM
Old Mutual is an international savings and wealth management company based in the UK. Originating in
South Africa in 1845, it is among the top 100 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 employs approximately 54,000 employees worldwide
with its primary listing on the London, secondary listing on the Johannesburg stock exchanges as well as
in Namibia, Malawi and Zimbabwe.
 Numbers as on 31st December 2008

 Our Vision and Mission

Our Mission
We focus on the needs of our customers and create confidence, trust and loyalty by offering a
wide range of innovative insurance solutions.
Strengthened by our commitment to professional management, we ensure the continued growth
and advancement of our employees.
Our Vision
Kotak Life Insurance has a deep rooted commitment to improve the quality of life of its
customers, employees and stakeholders. We aim at improving the long term value in our
relationship by continuous innovation and improvements.We do this by our three-prong effort
which strives to make Kotak Life Insurance a corporate with values.

 Increase Customer Value

Kotak Life Insurance has gone to the heart of its customer's requirements and developed products
which are unique and serve the customer needs perfectly. We built a relationship of mutual trust
and benefit to serve the Indian customer. At Kotak Life Insurance the customer always comes first.

 Cohesive Work Environment

We form long-term partnership with our employees by offering them an invigorating work
experience. We not only demand loyalty, sincerity and values but also give it back in equal
measures. Kotak Life Insurance will like to offer its employees space to grow, innovate and build a
long-term career.

 Work with Honour

Kotak Life Insurance delivers everyday services in the marketplace with the high sense of duty and
commitment. Our employees strive to build the long-term value for all those come in contact with
Kotak Life Insurance. Our consumers, distributors, employees, shareholders and the nation have
our commitment that we will uphold the values of trust, integrity and a Sense of Honour in every
thought, act and deed in order to positively contribute to individual, society and nation growth.

MANAGEMENT OVERVEIW
We at Kotak Life Insurance work as a team and have a flat management structure. Our top
management has many years of experience which has helped guide the company into a position of
leadership.
 Mr. Gaurang Shah - Director
 Mr. Pankaj Desai - Managing Director
 Mr. G Muralidhar - Chief Operating Officer
 Mr. Subhasish Ghosh - Sr. VP, Financial Institutions Group
 Mr. Sugata Dutta - Head Human Resources
 Ms. Elizabeth Venkataraman - Senior Vice President Marketing
 Mr. Andrew Cartwright - Appointed Actuary
 Mr. Suresh Agarwal - Head of Alternate channel
 Mr. Shekhar Bhandari - Head of Tied channel
 Mr. Anand Dewan - Head Business Impact Group (BIG)
 Mr. Sandip Shrikhande - Head of Group Business
 Mr. Dhiresh Rustogi - Chief Technology Officer
  Mr. Sudhakar Shanbag - Chief Investment Officer

Why Kotak Life Insurance

Kotak Mahindra Old Mutual Life Insurance is a joint venture between Kotak Mahindra
Bank Ltd. along with its affiliates and Old Mutual plc. Kotak Mahindra Old Mutual Life
Insurance is one of the fastest growing insurance companies in India and has shown remarkable
growth since its inception in 2001. Kotak Mahindra believes in offering its customers a lifetime
of value.
A commitment that has made it a leading financial services group with, employing around
10,800 people in its various businesses and has a distribution network of branches, franchisees,
representative offices and satellite offices across 300 cities and towns in India and offices in New
York, London, Dubai, Mauritius and Singapore. The Group services around 2.6 million customer
accounts.
Our Strengths
 Financial Acumen - Holds a stable and diversified portfolio and has received some of the
highest ratings in financial strength from industry’s independent rating agencies.
 Disciplined fund management - Years of experience in asset management, and a strong
track record in managing funds - backed by the acclaimed expertise of Old Mutual plc
 Innovativeness - Known for being an innovator in providing world-class pragmatic
financial solutions, with a constant focus on customization and flexibility
 Unrelenting Customer Focus - A highly committed sales force, with customer satisfaction
as the key driving force - a major differentiator
 Transparency in Services - Daily declaration of fund performances, regular performance
benchmarking, well regulated asset management, and monthly newsletter on market updates

Success Stories
Welcome to a world of opportunities at Kotak Life Insurance. At Kotak we nurture the
entrepreneurial spirit and allow you to treat your job as if it were your own business. And to help
you do that we have created an excellent work culture which is informal, apolitical and transparent.
Our work culture aims to nurture the entrepreneurial spirit by providing freedom, ample of learning
opportunities and multiple avenues for lateral & vertical growth. To explore the world of
opportunities with us, please click on the profile that best suits your need.
 Bharat Bhat
City: New Delhi

Bharat Bhat started with the Pharma Sector and went on to trading and field
representation. His ambition in life is to be financial independent. Kotak has
given him the opportunity through innovative products and support system.
His message to fellow advisors is not to limit one’s dreams and perform to
one’s fullest potential. His secret of success is to always think positive, think
good and do good.
About Life Insurance Plans
Life Insurance Plans for Individuals
A few years ago, most people bought life insurance plans to provide financial protection to their family
in the event of their untimely death. Today, life insurance plans has become an important part of an
individual’s portfolio because it provides the duel benefit of risk protection as well as wealth creation
in the long term. Even though there is no shortage of investment options to choose from, taking a life
insurance plan depending on the life stage and requirement is always a wise decision. At kotak life
insurance we understand the change in needs and priorities an individual experiences as he progresses
through different life stages. Our expertise in the field of investments has helped us design various life
insurance plans aptly suited for every life stage need, be it protection, retirement, saving for a child or
wealth creation.

Life insurance plans do not necessarily correspond to an individual’s age and are generally tailored
towards fulfilling particular needs that may arise at different stages in an individual’s life.

To help you choose the right life insurance plan, we have listed the various life stages explaining the
reasons for buying insurance for every stage. So go-ahead and choose the right life insurance plan
today.

 Life insurance plans for different Life Stages:

Single Adults

The best time to start thinking about life insurance plans is when you are a single young working
professional; this is because, with life insurance, over a period of time, due to the power of
compounding, you reap much greater benefits. Additionally the part of the premium that goes towards
insuring your life is significantly low. Besides covering your life, these plans enable you to reduce your
income tax burden and help you save small sums at regular intervals for the future.

Married (Without Children)

Securing your family from the start will keep you tension free from day one. As the liabilities increase,
so does your need for converting your savings into sizable corpus. In such times, saving and investment
based Unit Linked Life Insurance plans are the most suited for your needs. They provide risk cover (or
may add to the existing cover that you may have) as well as wealth creation options that helps you
build a sizable corpus over a period of time, which goes a long way in securing your family’s future.

Married (With Children)

As your family grows and the number of dependents increases, it is always advisable to re-assess the
risk cover that you may need and plan accordingly. Additionally, as a parent, your priority is to fulfill
your child’s dreams and aspirations. Providing a good education or even a modest wedding has
become an expensive proposition. You should plan for such milestones using a good children plan.
These plans enable you to start building regular savings today to help you secure your child’s
immediate and future needs even when you are not around.

Established Families

Our ability to earn for the rest of our lives decreases as we grow old. This leads to compromise in post
retirement lifestyle. An early retirement is something one should start planning for at the earliest, so
that you don’t experience any drop in the quality of lifestyle due to income fluctuations. A life
insurance based retirement plan is an assurance that you will continue to earn a satisfying income and
enjoy a comfortable lifestyle, even when you are no longer working.

Reference No. - KLI/09-10/E-WEB/132

Protection Plans
Kotak Loan Protection Plan
Kotak Loan Protection Plan is a protection plan that helps share the burden of your loan.
Kotak Term/Preferred Term Plan
The Kotak Term/Preferred Term Plan is a pure risk cover plan that provides you with a
high level of protection at nominal costs.
Kotak Eternal Life Plans
Kotak Eternal Life Plans are participating whole life plans that provide enhanced protection
till the golden age of 99.  

Savings & Investment Plans

Kotak Safe Investment Plan II
Kotak Super Advantage
Equity investments although attractive are given to
Kotak Super Advantage is a smart
volatility and can often result in loss of capital.
investment plan that addresses your
Therefore, as a prudent investor you would be
current financial needs while building
inclined to avoid such investments or limit your
long term savings for your future.
exposure to them.
Kotak Platinum Edge Kotak Single Invest
You've lived life on your own terms; Life has the ability to surprise you pleasantly with
always done what you've believed in. financial windfall and surplus. As an individual, who
You are used to having the luxury of is aware of his responsibilities and aspirations, it is
choice and the power to control. now up to you to make the best use of it.
Kotak Endowment Plan Kotak Money Back Plan
Kotak Endowment Plan is a participating This plan offers the key benefit of cash lump
endowment plan that provides you an avenue sums at periodic intervals of five years
for long term regular investments to accumulate ensuring that you are able to meet any of
a lump sum on maturity. your financial obligations.
Kotak Surakshit Jeevan
Kotak Premium Return Plan
Kotak Surakshit Jeevan, an enhanced
The premium Return Plan will get you the dual
protection and long-term savings plan,
benefit of a risk cover and savings, with minimal
makes sure your family remains financially
paperwork and procedures.
independent even if you are not around.
 
Retirement Plans
Kotak Long Life Wealth Plus Kotak Long Life Secure Plus
Life has several shades. Some known,
some unknown; some planned, some Protecting your family and
unplanned. Life may not always be the ensuring their comfort has
way you want it to be. always been your primary
concern and key responsibility.

Kotak Guaranteed Pension Builder

Kotak Second Innings Plan
Kotak Guaranteed Pension Builder works for
With a comfortable lifestyle and a happy
your security and financial independence by
family, today you are enjoying life to the
allowing you to save systematically for your
full.
golden years.
Kotak Capital Multiplier Plan Kotak Retirement Income Plan
The Kotak Retirement Income Plan is a savings
The Kotak Capital Multiplier Plan is the
plan designed to meet your post-retirement
only plan of its kind that allows you to
needs. It is a plan that gives you "Jeene ki
enjoy returns even beyond maturity.
azaadi".
Child Plans
Kotak Headstart Child Plans
Kotak Child Advantage Plan
The headstart child plans are specially
The Kotak Child Advantage Plan is an investment
tailored, cost effective plans that aim to
plan designed to meet your child's future financial
give your children the financial means to
needs.
pursue his or her dreams