Kotak Life Insurance Guaranteed Savings Plan|Best Savings & Investment Plans In India

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Kotak Guaranteed Savings Plan

A Non-Linked Non-Participating Endowment Life Insurance Plan

Uncertainty is reality of Life. You cannot avoid it but you can always plan to handle it better. To help you in achieving the same, Kotak Life Insurance presents Kotak Guaranteed Savings Plan - a savings and protection oriented plan that provides ‘Guaranteed@’’ benefits. So, be rest assured and be ready for whatever comes next and enjoy your Life.

Key Advantages

  • Limited premium

    Limited premium payment options

  • Guaranteed@ Additions

    After premium payment term, plan will accrue Guaranteed@ Additions for remaining term

  • Guaranteed@ Loyalty Addition

    Lump sum Guaranteed@ Loyalty Addition at the end of the policy term

  • Enhanced protection

    Enhanced protection through optional rider


  • Entry Age: (as on last birthday)

    • Min: 3 years
    • Max: 60 years

  • Maximum Maturity Age: (as on last birthday)

    • Min: 18 years
    • Max: For 10 Policy Term: 70 years

      For Other Policy Term: 75 years

  • Policy Term (Fixed)

    • 10 years | 14 years | 15 years | 16 years / 20 years
  • Premium Levels

    Frequency All Channels (except POS) POS Channel
    Minimum Maximum Minimum Maximum
    Yearly 12,000/- No Limit, but it will be subject to Broad Approved Underwriting Policy 20,000/- 120,000/-
    Half-Yearly 6,120/- 10,200/- 61,200/-
    Quarterly 3,120/- 5,200/- 31,200/-
    Monthly 1,056/- 1,760/- 10,560/-

    Premium Payment Term

    PPT Policy Term
    5 Pay 10 Years
    5 Pay, 7 Pay 14 Years
    5 Pay, 8 Pay 16 Years
    5 Pay, 10 Pay 15 Years
    5 Pay, 10 Pay 20 Years
  • Premium Payment Mode

    • Yearly, Half yearly, Quarterly, Monthly
  • Premium Modal Factor

    • Following modal loadings will be used to calculate installment Premium: Yearly – 100% , Half yearly – 51% , Quarterly – 26% , Monthly – 8.8%
  • Sum Assured

    • Will be derived basis Premium, Age, PPT & Policy Term

Additional Protection with Optional Riders

  • Kotak Term Benefit Rider

    In case of death of the life insured, rider sum assured will be paid in addition to the death benefit under the base plan.

  • Kotak Accidental Death Benefit Rider

    In case of accidental death of life insured, rider sum assured will be paid along with death benefit under base plan.

  • Kotak Permanent Disability Benefit Rider

    In case of life insured being permanently disabled due to accident, benefit is paid in instalments.

  • Kotak Life Guardian Benefit Rider

    In case of death of policyholder (if different from Life Insured), outstanding premiums are waived and paid by Kotak Life Insurance.

  • Kotak Accidental Disability Guardian Benefit Rider

    In case of accidental disability, outstanding premiums are waived and paid by Kotak Life Insurance.



Download the brochure to know more about the plan and how it can benefit you.

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Policy FAQs

Read about Tax benefits & Plan Disclaimer

Tax Benefits & Disclaimers

You may avail of tax benefits as per f Income Tax Act, 1961, Tax benefits are subject to change as per tax laws. You are advised to consult your Tax Advisor for details. Goods and Services Tax and Cess as applicable shall be levied over and above premium amount shown here as per applicable tax law sYou may avail of tax benefits as per Income Tax Act, 1961 Tax benefits are subject to change as per tax laws.

Terms & Conditions:

Kotak Guaranteed Savings Plan UIN: 107N100V03, Form No: N100,

This is a non-linked, non-participating endowment plan. This is a saving and protection oriented plan. For sub-standard lives, extra premium may be charged based on Kotak Life Insurance’s underwriting policy. 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.

@Guaranteed benefits due under this plan are available provided premiums are paid regularly for the entire premium payment term and the policy is in force. Ref. No. KLI/22-23/E-WEB/124

Kotak Mahindra Life Insurance Company Ltd.

Reg No. 107
CIN : U66030MH2000PLC128503

Regd. Office:

2nd Floor, Plot # C- 12, G- Block, BKC,

Bandra (E), Mumbai - 400051
Toll Free: 1800 209 8800
Website: www.kotaklife.com
WhatsApp: 9321003007


IIRDAI 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.

Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Ltd. under license.

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