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Kotak Guaranteed Fortune Builder
A plan that offers guaranteed income for your future goals.
A plan that works like a term plan, and Earns like ULIP Plan.
Kotak Assured Savings Plan
A plan that offer guaranteed returns and financial protection for your family.
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A plan that offers immediate or deferred stream of income
Kotak Lifetime Income Plan
Retirement years are the golden years of life.
Kotak Guaranteed Savings Plan
A plan that offers long term savings and life cover.
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A Non-Linked Non-Participating Life Insurance Individual Pure Risk Premium Product
Your family is your first priority. You strive to provide comfort, happiness, and security to your family and you would want your family’s future to be secured at all times. Even when you are not around you want to ensure you have secured their financial future. Kotak e-Term has been specially designed to let you give that assurance to your family.
Kotak e-Term is a pure risk cover term plan that is truly an economical means of providing you with a high level of protection. It offers special premium rates to non-tobacco users and women. You can also choose additional cover through optional riders available along with the plan, thereby, ensuring a complete cover against the unfortunate eventualities.
Offers the benefit of high cover at economical prices
Choose between Life, Life Plus or Life Secure Option to ensure you have an ideal cover to secure your family.
• Life Option - 100% of Sum Assured on death shall be payable
• Life Plus Option - Benefit under Life Option PLUS Accidental Death Benefit sub. To 1 crore
• Life Secure Option - Benefit under Life Option PLUS Waiver of Premium in case Life Insured becomes Totally & Permanently Disabled
Choose between Immediate, Level Recurring or Increasing Recurring Payout basis your family’s requirement.
• Immediate Pay-out: 100% of Sum Assured on Death payable as lump-sum
• Level Recurring Pay-out: 10% of Sum Assured on Death payable as lump-sum PLUS 6% of Sum Assured on Death payable every year for 15 years
• Increasing Recurring Pay-out: 10% of Sum Assured on Death payable as lump-sum PLUS Increasing Payout every year by 10% p.a for 15 years starting with 6% of Sum Assured on Death
Increase or decrease your life cover basis on various life stages**
Enhance your coverage with Kotak Critical Illness Plus Benefit Rider or /and Kotak Permanent Disability Benefit Rider
Get your total premiums back at age 60 through Special Exit Value
1. Telemedicine Consultation 2. Personal Medical Care 3. Lifestyle Management Programs 4. Emergency Response 5. Home Health Care 6. Pharmacy Access 7. Free Medical Checkup every 5 years These services can be accessed through the Wellbeing App.
Minimum : 18 years
Maturity Age: Minimum – 23 years | Maximum – 75 years
|Premium Payment Term
|Same as Policy Term
| Min: 5 years
Life & Life Secure Option: Highest of 40 years or 75 Years minus less Age at Entry or 85 Years minus less Age at Entry
Life Plus Option: Highest of 40 Years or 75 Years minus less Age at Entry
|Min: 10 Years
|Life & Life Secure Option: Highest of
Life Plus Option: Highest of
|Min: 12 Years
|Min: 15 Years
|Min: 20 Years
|Pay till 60 (Minimum PPT of 10 Years)
|Min: 15 Years
|One Time Payment
|Min: 5 Years
Life Secure option shall not be applicable for Single Pay Policy
In case the Life Insured becomes permanently disabled due to an accident during the policy term, 120% of the Rider Sum Assured shall be payable over 5 years, while the base plan continues for the remaining policy term.Download
Rider Sum Assured shall be payable in part or whole, in case the Life Insured is diagnosed with any one of the 37 Critical Illnesses (subject to terms and conditions)Download
Enter a few details to calculate your premium instantlyCalculate premium
Send a "Hi" to 93210 03007, from your registered mobile number.
Call our toll free number and our representatives will assist you with all your queries.
You may avail of tax benefits as per Income Tax Act, 1961 subject to conditions as specified in those sections. Tax benefits are subject to change as per tax laws. Customer is advised to take an independent view from tax consultant.
**Step Up is only applicable for Regular Premium paying policy. Step Up is not applicable for Online Channel. Step Down can only be done once during the policy term and can be exercised only if Step Up option has not been chosen or if chosen but not exercised.
***Kotak Permanent Disability Rider is not applicable for Online Channel and cannot be opted under the plan if the policyholder has opted for Life Secure option.
Terms & Conditions:
Kotak e-Term; UIN No.: 107N129V02, Form No. N129, Kotak Critical Illness Plus Benefit Rider UIN No.: 107B020V01, Form No.: B020, Kotak Permanent Disability Benefit Rider UIN No.: 107B002V03, Form No: B002.
This is a non-participating, pure protection plan. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on riders, please read the Rider Brochure. Ref. No. KLI/23-24/E-WEB/1228
Kotak Mahindra Life Insurance Company Ltd.
Reg No. 107; CIN : U66030MH2000PLC128503; Regd. Office: 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai – 400051 | Website: www.kotaklife.com; WhatsApp: 9321003007 | Toll Free: 1800 209 8800
Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Ltd. under license.
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS /FRAUDULENT OFFERS IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
You may avail of tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961 subject to conditions as specified in those sections. Tax benefits are subject to change as per tax laws. Customer is advised to take an independent view from tax consultant.Know more
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