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Kotak e-Invest Plus

Insurance and Investment in one plan.

Kotak T.U.L.I.P

A plan that works like a term plan, and Earns like ULIP Plan

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Kotak Platinum

In this policy, the investment risk in investment portfolio is borne by the policyholder.

Kotak Platinum

A Non-Participating Unit-Linked Life Insurance Individual Savings Product .

“The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year”

A Life insurance plan, customised to your needs

No one knows your requirements better than you. That’s why it is important to find the right investment avenues to meet your requirements. Keeping this in mind Kotak Life Insurance brings to you Kotak Platinum, a life insurance plan with nominal charges that you can customize as per your goals and requirements. With an unmatched combination of three investment strategies and flexibilities, it gives you complete control over your investments. It offers you exhaustive options to diversify your wealth so that you do not have to look for any other investment avenue.

How it works

  • Insurance plan

    Raunaq Shah is 35 years old, a young executive who is willing to take a little risk with his investment He chooses a policy term and premium payment term of 20 years with annual premium of ₹5,00,000 and a Sum Assured of ₹50,00,000

  • Insurance plan

    He chooses the Age Based Strategy as it offers him the flexibility to change Risk Appetite as per market movements, and starts with an Aggressive Risk Appetite and has sourced the policy through an Individual Agent.

  • Insurance plan

    At the end of 10 years, his cumulative premium is ₹5,000,000, fund value at 8%# is ₹70,41,672 and fund value at 4%# is ₹56,45,482.

  • Insurance plan

    At maturity, when Mr. Shah 55 years and is nearing retirement, his cumulative premium is ₹10,000,000 and fund value at 8%# is ₹2,11,94,659 and fund value at 4%# is ₹1,34,84,602.

  • Insurance plan

    This allows him to look forward to his retirement in peace.

    #The values are based on assumed investment rate of return of 4% p.a. & 8% p.a. The values shown are not guaranteed and they are not upper and lower limit 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.

    GST is exempted for all individual life policies with effect from 22nd September 2025.

Key Features

  • Capitalize on unmatched options of three Investment Strategies to build a substantial corpus

    Capitalize on unmatched options of three Investment Strategies to build a substantial corpus

    To get the best out of your money it is important to determine your investment horizon. This enables you to establish your risk-return profile and thereafter choose the funds that suit you. Kotak Platinum offers you the flexibility to choose from 3 Investment Strategies; Self-Managed Strategy: If you wish to manage your investment on your own. Age Based Strategy: Based on the Risk Appetite of the customer i.e. Aggressive, Moderate and Conservative, allocation is done between Classic Opportunities Fund and Dynamic Bond Fund. Systematic Switching Strategy (SSS): If you want to avail the benefit of equity investment in a systematic manner.

  • Minimum charges, maximum earnings

    Minimum charges, maximum earnings

    Ensure that 95% to 98.5% of your premium payment is contributed to the investment you have picked, to maximise your returns.

  • Keep earning with additional Survival Units

    Keep earning with additional Survival Units

    On top of the earnings your investment brings, be rewarded with extra Survival Units at the end of 10th policy year and every 5 years thereafter. The Survival Units are equal to 2% of the average Fund Value (in the Main Account) in the immediately preceding three years.

  • Flexible payment period

    Flexible payment period

    Limited Option: Option of 5/7-year premium payment period for a policy term of 10 years, or 7/10-year premium payment period for policy terms of 15 to 30 years. In cases where longer payment period doesn’t suit your needs, you may also pay yearly, half-yearly, quarterly or monthly and enjoy greater flexibility in the way you invest. Regular Option: Equal to policy term

  • Other advantages

    Other advantages

    Get life insurance cover to safeguard your family’s well-being. Flexibility to receive maturity benefit either via lump sum payment or in instalments through Settlement Option. Choice of partial withdrawals to address your financial needs. Additional protection with optional riders.

Eligibility

  • Eligibility

    Age Criteria:

    • Entry Age (as on the last birthday): 0 to 65 years (60 years for limited pay)
  • Eligibility

    Maturity Age (as on the last birthday):

    18 to 75 years

  • Eligibility

    Policy Term:

    Premium Payment type Policy Term
    Regular Pay 10 to 30 years
    Limited 5 Pay 10 years
    Limited 7 Pay 10 years and 15 to 30 years
    Limited 10 Pay 15 to 30 years

    The minimum policy term for minors will be greater 10 or 18 years minus age last birthday of the life insured on the date of commencement.

  • Eligibility

    Premium Payment Mode:

    • Yearly, Half yearly, Quarterly, Monthly
  • Eligibility

    Premium Payment Term:

    • Regular – Equal to the policy term.
    • Limited – 5 & 7 year payment with policy term of 10 years
    • 7 & 10 year payment with policy term of 15 to 30 years
  • Eligibility

    Premium (Rs.):

    Mode Minimum
    Other Channels    		 Maximum Premium
    Yearly ₹ 99,000 No Limit
    Half Yearly ₹ 49,500
    Quarterly ₹ 24,750
    Monthly ₹ 8,250
  • Eligibility

    ​Basic Sum Assured

    Regular Pay

    Age Band Minimum Maximum
    Less than equal to 45 years 7 times AP 25 times AP
    46 years – 55 years 7 times AP 15 times AP
    56 years – 65 years 7 times AP 10 times AP

    Limited Pay:

    Age Band / Limited Pay Minimum Maximum
    5, 7 & 10 Pay 5 Pay 7 & 10 Pay
    Less than equal to 45 years 7 times AP 15 times AP 15 times AP
    46 years – 50 years 7 times AP 10 times AP 15 times AP
    51 years – 60 years 7 times AP 10 times AP 10 times AP

    AP refers to one Annualized Premium

  • Eligibility

    Top-Up Premium

    • Minimum: ₹10,000
    • Maximum: The total Top-Up premium paid shall not exceed the sum of all the Annualised premiums paid at that point of time.
  • Eligibility

    Top-Up Sum Assured:1.25 X Top-Up Premium

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Read about Tax benefits & Plan Disclaimer

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/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.

Tax benefits are subject to conditions specified under the Income-tax Act, 1961. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from tax consultant.

Terms & Conditions

Risk Factors

  • Linked Insurance products are different from the traditional insurance products and are subject to the risk factors.
  • The premium paid in Linked Insurance policies are subject to investment risks associated with capital markets. The NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
  • Kotak Mahindra Life Insurance Company Ltd. is only the name of the Life Insurance Company and Kotak Platinum is only the name of the linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
  • The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
  • Please know the associated risks and the applicable charges from your insuranceAll benefits payable under the Policy are subject to the Tax Laws and other financial enactments, as they exist from time to time.
  • The past performance of other Funds of the Company is not necessarily indicative of the future performance of the funds
  • All benefits payable under the Policy are subject to the Tax Laws and other financial enactments, as they exist from time to time.

Kotak Platinum UIN: 107L067V07. Kotak Accidental Death Protection Rider (Linked) UIN: 107A021V02, Kotak Critical Illness Benefit Rider (Linked) UIN: 107A022V02.

This is A Non-Participating Unit-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.

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 | Ref. No. : KLI/25-26/E-WEB/1844.

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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