If the policyholder has paid the premium for the plan for the last 3 years and discontinues to pay the premiums after three years, then the policyholder can avail automatic cover maintenance. Under this provision, the customer’s basic life cover will be available and in case of death, the full benefit will be payable to the customer. The fund of the customer will be utilised for payment of the mortality charges. The policy will terminate after the fund is completely exhausted. This feature of automatic cover maintenance is not available in pure risk plans i.e Kotak Term plan and Kotak Preferred Term plan.