Points of Difference
Kotak Life Insurance’s

Kotak Retirement Income
HDFC Standard Life’s

Unit Linked Pension Plus
Metlife

Met Advantage Plus

Fund management charge
1.6%-2% per annum on fund value
0.8% per annum on fund value
1.75% per annum on fund value

Premium allocation charge
13.12% in I year

2.8% from II year onwards
50% in the I year

1% from II year onwards
20% in the I year

2% from II to X year

1% from XI yr onwards

Policy administration charge
2%-13% of premium
Rs 20 per month
Rs 25 per month