| We offer a range of carefully
selected insurance policies across the entire spectrum of
life insurance products. Our relationship managers will analyze
your insurance needs and develop the solution that works best
for you.
Click on a plan for more details
Kotak Smart Advantage
Plan: Every step in your life brings with it new
learnings. You are determined to make the best of it, so that
you can look forward to a great future. How you shape your
tomorrow depends greatly on how you build on your today.
Kotak Life Insurance introduces Kotak Smart Advantage, a
great combination of investment with insurance, to put your
savings to work today. It is a market linked plan with 100%
premium allocations helping you accumulate wealth systematically,
over the long-term. This plan offers the following key benefits:
- Guaranteed returns of up to 275% of your first year premium
at maturity
- Assured bonus additions at regular intervals during the
policy term to enhance your fund value
- 100%1 allocation of your premiums from second year onwards
to maximize your earnings potential
- A unique fund offering you the maximum opportunity for
growth
- Option to maximize protection for your loved ones
- 1Applicable for premium sizes of Rs.36,000 and above annually
from second year onwards.
1 Applicable for premium sizes of Rs.36,000
and above annually from second year onwards.
Kotak Eternal Life
Plans: Kotak Eternal Life Plans are participating
whole life plans that provide enhanced protection till the
golden age of 99. The plans provide for a high cover at lower
premiums, cash lump sum benefits at desired stage and a way
to care for your spouse in the second innings of life.
With guaranteed protection for life, opportunity to create
wealth, and comprehensive cover options, these plans provide
you with a perfect financial solution to suit your needs.
What can Eternal Life do for you?
- Provides you with lifelong protection which continues
well beyond retirement to ensure that your loved ones remain
secure, irrespective of the uncertainties in life.
- Enables a high amount of insurance cover at affordable
premiums which takes into account your growing responsibilities
and keeps pace with your increasing needs.
- Offers liquidity for planned and unplanned needs so that
you have access to your money when you need it the most,
adding to your comfort and security at important stages
in life.
- Presents options and solutions that suit your personal
preference which enables you to make a decision that is
more suitable and beneficial for you.
 Kotak Headstart Child
Plans: Every child is different. Each has their
own set of dreams and aspirations. As a parent you would like
to provide your child with all the building blocks that could
develop his or her potential to the fullest. This could mean
extra coaching or tuition for talented children, special training
or equipment for natural athletes or professional training
for born singers.
Headstart Child Plans - a specially tailored, cost-effective
plan, aims to give your children the financial means to pursue
his or her dreams and live them. The plan offers the following
advantages.
- Choice of 2 plan variants
- Future Protect
- Assure Wealth
- Maximizes wealth while providing protection
- Joint life option
- Save for 2 children with one plan
- Additional bonus units
- Flexible Withdrawal
Kotak Safe Investment Plan II:
Kotak Safe Investment Plan II is a unit linked plan that combines
the benefits of insurance and capital market returns into
one. This plan from the stable of Kotak Life Insurance is
a true reflection of the company´s essence: innovation
that will benefit the investor. What makes investing in Kotak
Safe Investment Plan II truly unique is that you enjoy a Guaranteed
Maturity Value, with varying degrees of equity exposure depending
on your risk appetite. So, if the market value of your units
is higher, you reap the benefits with the peace of mind that
whilst in a bear market your investment is under-pinned by
the Guaranteed Maturity Value. And there´s more, the
returns are totally tax-free*.
Kotak Flexi Plan: There
may be times when you wish there was an answer to your financial
worries. A solution that allows you to take control of your
investments. A way to provide for your family´s future
goals and expenses, and to protect your family from the harsh
uncertainties of life; be it death, disability or illness.
Here is ´Kotak Flexi Plan´ which is designed to
do just this. It comes to you with the option of investing
in six professionally managed funds, allowing you to allocate
your investment in a combination of one or more funds, switch
between them and take charge of your investments. The plan
aims to earn efficient returns over the long term and helps
you plan for your financial goals, with the comfort of a Guaranteed
Maturity Value. More importantly, it ensures that your loved
ones are protected, if any unfortunate events were to take
place…a plan that gives you complete control.
Kotak Easy Growth Plan:
Kotak Easy Growth Plans are single premium, market linked
insurance plans that keep pace with your ever growing success.
It not only helps you save for the future but also lets you
reap rich benefits from the investments of your choice. The
undisputed advantage of these plans, is its simplicity. This
simplicity stems from our clear understanding of what would
appeal to a customer who is looking for a hassle free investment
option.
Kotak Capital Multiplier Plan:
The Kotak Capital Multiplier Plan is a participating plan
that is built in such a way that it allows your money to multiply,
and gives you the flexibility of using this money the way
you need it, in regular withdrawals. This is an endowment
plan, which is very flexible, and has a lot of other in-built
benefits.
Kotak Term Plan: Kotak
Term Plan is a pure risk product that aims to cover your life
at a nominal cost. You may want to take this plan to cover
your outstanding debts like a mortgage, a home loan etc. Since
this is a pure risk cover product, there are no maturity benefits
payable on survival. This is a non-participating plan.
Kotak Preferred Term Plan:
The Kotak Preferred Term Plan is designed to provide you with
reduced premium rates for a sum assured of Rs.10 lakhs and
above. Only Males over the age of 18 years, who do not use
tobacco in any form. And females over the age of 18 years
are eligible for this plan.
Kotak Child Advantage Plan:
The Kotak Child Advantage Plan is an investment plan designed
to meet your child´s future financial needs. It´s
a plan that gives your child the "azaadi" to realize his dreams.
The plan is a participating plan with a 15-day free look period.
Kotak Retirement Income Plan:
The Kotak Retirement Income Plan is a savings plan designed
to meet your post-retirement needs. It is a plan that gives
you "Jeene ki azaadi". It gives you the choice to remain independent
even after retirement. The Kotak Retirement Income Plan is
a participating plan.
The plan comes in two forms: (i) With Cover
(ii) Without Cover.
Kotak Retirement
Income Plan (Unit Linked): How well you save and
invest today will make all the difference tomorrow between
having to work and choosing to work. There is no better time
than the present to plan for what should be the best years
of life - your retirement. By the time you retire, costs of
living would have increased substantially making even the
most basic commodities like milk and vegetables costlier by
probably five times. Medical costs would have doubled or more.
An ideal retirement solution is the one that gives you complete
flexibility and peace of mind, not only while you save for
your retirement but also after you retire. To help you plan
towards the golden years of your life, we present to you the
Kotak Retirement Plan (Unit-Linked).
An investment plan designed to secure your future, it assures
that even though you have stopped working, your income does
not. It is offered to you in three versions - Regular Premium,
With Cover and Without Cover, in addition to a Single Premium
version. The regular premium options come with the Kotak "Seal
of Guarantee"@. These plans have been designed to ensure
that your money earns you handsome returns, safe from the
vagaries of the capital market, so that you can retire comfortably
and securely.
Please note that in these plans, the investment risk in the
investment portfolio is to be borne by the policyholder. However,
Kotak Life Insurance offers you a Basic Sum Assured/ Guaranteed
Maturity Value on the Regular Premium versions of this plan
to safeguard against the downside risk of falling markets.
Kotak Endowment Plan:
Kotak Endowment Plan is a protection plan that covers your
life and at the same time ensures that your money does not
lie idle. It invests a portion of your premium in financial
instruments and ensures a considerable growth in savings.
This is a participating plan (with profits).
Kotak Money Back Plan:
The Kotak Money Back Plan not only covers your life, it also
assures you a certain percent of the sum assured as cash payment
at regular intervals of every 5 years. It is a savings plan
with the added advantage of life cover and regular cash inflow.
This plan is ideal for planning special moments like a wedding,
your child´s education or purchase of an asset etc.
This is a participating plan (with profits).
Kotak Premium Return Plan:
This plan is a sure and secure insurance option without the
hassles or worries of a conventional insurance plan. With
minimal paperwork and procedures, you get the dual benefit
of a risk cover and savings. At the end of the term, a minimum
of the premiums paid by you will be returned depending on
the option you choose. In other words, this is a term plan
that makes financial sense by offering maturity benefits as
well..
Riders: Every person
has a different need and we at Kotak Life Insurance recognize
this. To give you the flexibility to customize and enhance
your cover, we offer a set of riders which you may opt for
along with your basic policy and shape your policy to suit
your individual needs.
The riders may be availed of at the time of purchasing the
plan, at a nominal cost. The maximum amount of benefit you
can avail is equal to the basic sum assured. The aggregate
premium on all value-adds should not, however, exceed 30%
of the basic premium.
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