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Create wealth through bonus payout from 1st policy year
A plan that offer guaranteed returns and financial protection for your family.
Kotak Guaranteed Fortune Builder
A plan that offers guaranteed income for your future goals.
A Non-Participating Non-Linked Life Insurance Individual Savings Product
When it is about your dreams and aspirations, there shouldn’t be any compromise. To realize your dreams, you ensure your money is invested in a disciplined manner through this savings plan that gives higher returns, helping you build a corpus to meet your important milestones.
Kotak Fortune Maximiser is a Participating Non-Linked Life Insurance Individual Savings Product which can be customized as per your requirement to help you achieve your life goals through multiple plan, payout & rider options. Your dreams are important and deserves to be fulfilled, therefore, life mein sirf #BadaSocho.
- Life Goal Maximiser
- Bright Future Maximiser
- Golden Years Maximiser
- Cash Bonus (Immediate Payout)
- Cash Bonus (Deferred Payout)*
- Paid-Up Additions
Secure your life & provide financial protection to your loved ones till 85 years.
Flexibility to secure your spouse’s life under the same plan.
Comprehensive coverage for yourself & loved ones through 6 Riders.
Avail High Sum Assured with the same premium for Female Life.
*Cash Bonus (Deferred Payout) is not applicable for Bright Future Maximiser and Golden Years Maximiser
Entry Age of Life Insured (as on last birthday)
Maturity Age of Life Insured (as on last birthday)
Policy Term
Basic Sum Assured
Premium Levels (Annual)
Premium Payment Term
Premium Payment Mode
Premium Modal Factor
| Minimum: 0 years (90 days) | Maximum:50 years – 6 & 15 pay 55 years – 8 / 10 & 12 pay |
|
| In case Spouse Cover is availed | ||
| Minimum: 18 years (Primary Life Insured & Spouse) | Maximum: 60 years (Spouse) |
85 years for Primary Life Insured
In case Spouse Cover is availed:
85 years or Age at Maturity whichever is lower (for Spouse).
85 years less Entry Age of Life Insured (Primary Life Insured in case Spouse Cover option is chosen)
Basic Sum Assured shall depend upon the Age, Gender, Policy Term, Premium Payment Term, Premium Amount & Bonus Payout Options chosen.
Basic Sum Assured is the Guaranteed Maturity Benefit to be payable on death or maturity
Sum Assured on Death for Spouse shall be 50% - 100% of the Basic Sum Assured applicable for Primary Life Insured.
| Minimum: | Maximum: |
|---|---|
| 6 & 8 Pay: Rs. 48,000 | No Limits, subject to Boardto Board Approved Underwriting Policy |
| 10 /12 & 15 Pay: Rs. 36,000 |
6 /8 / 10 / 12 & 15 years
Yearly, Half yearly, Quarterly and Monthly
Yearly – 100% | Half yearly – 51% | Quarterly – 26% | Monthly – 8.8%
| Eligibility Criteria | All Channels (except POS) | POS Channel |
|---|---|---|
| Entry Age (as on last birthday) |
Minimum: 3 years Maximum: 60 years |
Minimum: 3 years Maximum: 65 years less Policy Term |
| Maturity Age (as on last birthday) |
Minimum: 18 years Maximum: 75 years |
Minimum: 18 years Maximum: 65 years |
| Policy Term & Premium Payment Term (PPT) |
PPT 5 Pay 6, Pay 7, Pay 10 Pay Policy Term 10 | 15 years 12 | 18 years 14 | 20 years 15 | 20 years |
| Minimum Basic Sum Assured |
Determined on the basis of minimum premium amount, entry age, policy term and
PPT Example: For ₹20,000 annual premium, following shall be the Basic Sum Assured for entry ages 3 & 50 years:
Basic Sum Assured is calculated considering the channel as Individual Agents. For details, please refer to the premium calculator on the website. |
||
| Maximum Basic Sum Assured | Determined on the basis of minimum premium amount, entry age, policy term and PPT subject to UW Rules | ₹25,00,000 |
| Annualized Premium | Minimum: ₹20,000 Maximum: No limit (subject to underwriting) |
Minimum: ₹20,000 Maximum: ₹1,50,000 |
| Premium Payment Mode | Yearly, Half-yearly, Quarterly, Monthly |
| Premium Payment Option | Limited only |
| Premium Modal Factor (% of annualized premium) | Yearly - 100% , Half yearly - 51% , Quarterly - 26% , Monthly - 8.8% |
Step
Mr. Verma 35-year-old, decides to invest in the plan. He chooses Life Goal Maximiser and Bonus Option as Paid-Up Addition.
Step
He pays premium of Rs. 1,00,000^ p.a. for 12 years with policy term of 50 years. The Sum Assured is Rs. 11,19,535
Step
From the end of the first policy year, Paid-Up Addition gets accumulated till end of the Policy Term.
Step
He also has an option to withdraw Cash Value of accrued Paid-Up Additions during the policy term to meet his important life goals.
Step
On maturity, Mr. Verma will receive @8%# ₹ 1,50,47,273 & @4%# ₹33,02,268.
Step
In case of death, his nominee will receive the death benefit as per the policy condition.
Allows additional death cover on the life of Primary Life Insured over and above the base plan’s Death Benefit.
Lump sum benefit paid on accidental death of the Primary Life Insured in addition to Death Benefit under the base plan.
Instalments paid on admission of a claim on Primary Life Insured becoming disabled due to accident.
On death of Policyholder, future premiums of the plan will get waived off and the base plan will continue as it is without any change in the plan benefits.
On accidental disability of Policyholder, future premiums of the plan will get waived off and the base plan will continue as it is without any change in the plan benefits.
Rider Sum Assured shall be payable on admission of a claim on any one of the 37 covered critical illness, with respect to Primary Life Insured, subject to terms and conditions, definitions and specific exclusions.
Tax benefits under the policy are subject conditions specified under the Income Tax Act, 2025 and other prevailing tax laws, if any as applicable. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from Tax Advisor.
Know more about the plan and how it can benefit you.
Tax Benefit
Tax benefits under the policy are subject conditions specified under the Income Tax Act, 2025 and other prevailing tax laws, if any as applicable. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from Tax Advisor.
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS
IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
Kotak Fortune Maximiser: UIN: 107N125V04. Kotak Term Benefit Rider, UIN: 107B003V03, Kotak Accidental Death Benefit Rider, UIN: 107B001V04, Kotak Permanent Disability Benefit Rider, UIN: 107B002V03, Kotak Life Guardian Benefit Rider, UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider, UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider, UIN: 107B020V02.
This is a Participating Non-Linked Life Insurance Individual Savings Product. 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.
The above illustration is an extract of a separate, more detailed benefit illustration. For details, please refer to the Benefit Illustration. ^The premium figure is exclusive of Goods and Services Tax and Cess. The guaranteed and non-guaranteed benefits are applicable only if all due premiums are paid. #The assumed non-guaranteed rates of return chosen in the illustration are 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your policy is dependent on a number of factors including future investment performance. The actual experience may be different from the illustrated. Please note that Bonuses are NOT guaranteed and may be as declared by the Company from time to time. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses.
Kotak Mahindra Life Insurance Company Ltd. Regn. No.: 107, CIN: U66030MH2000PLC128503, Regd. Office: 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai - 400 051. Website: www.kotaklife.com | WhatsApp: 9321003007 | Toll Free No. – 1800 209 8800 | Ref. No.: KLI/26-27/P-WEB/725.
Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Limited under license.