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.
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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 Privileged Assurance Plan:
Kotak Privileged Assurance Plan is exclusively crafted to ensure that while your money is protected, it multiplies. Concocting the best mix of steady and stable growth with dynamic and flexible management of your funds, the plan strives to give you that extra bit of return, protection and flexibility, in a single plan made specially for discerning customers like you. The plan offers you access to two# funds to provide you avenue for growth while offering you Capital Guarantee.
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 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..
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.