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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 individual͛s 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 individual͛s age and are generally tailored
towards fulfilling particular needs that may arise at different stages in an individual͛s 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:

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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.

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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 family͛s future.

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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 child͛s 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 child͛s
immediate and future needs even when you are not around.

    

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 don͛t 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


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