You may avail of tax benefits as per Income Tax Act, 1961, Tax benefits are subject to change as per tax laws. Customer is advised to take an independent view from tax consultant. GST is exempted for all individual life policies with effect from 22nd September 2025.

For sub-standard lives, extra premium may be charged based on Kotak Mahindra Life Insurance Company’s underwriting policy

This website content only gives the salient features of the plan

Terms and Conditions for Term Plans

Kotak Gen2Gen Protect: UIN: 107N132V02.

Kotak Permanent Disability Benefit Rider UIN: 107B002V03, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02, Kotak Accidental Death Benefit Rider UIN: 107B001V04.

This is a non-participating non-linked life insurance individual savings product.

Kotak e-Term: UIN:107N129V03.

Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02, Kotak Permanent Disability Benefit Rider UIN: 107B002V03.

This is a non-participating non-linked life insurance individual pure risk product.

^$Get your premiums back through Special Exit Value, under your policy, if your policy term is per the below mentioned conditions and Policyholder will have a period of one year to avail this benefit.

• 40 years: Earlier of 25th policy year OR during the policy year, when you attain 60 years
• > 40 years: Earlier of 30th policy year OR during the policy year, when you attain 60 years

Terms and Conditions for Savings Plans

Kotak Assured Savings Plan: UIN: 107N081V09.

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 non-participating non-linked life insurance individual savings product. This is a saving cum protection oriented plan.

^@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.

Kotak Guaranteed Fortune Builder: UIN: 107N128V09.

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.

A Non-Participating Non-Linked Life Insurance Individual Savings Product. This is a saving and protection oriented plan.

^@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.

Kotak Fortune Maximiser: UIN: 107N125V03.

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, UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider, UIN: 107B020V02.

This is a Participating Non-Linked Life Insurance Individual Savings Product.

^*Please note that Bonuses are NOT guaranteed and may be as declared by the Company from time to time. Benefits under this plan are dependent upon the performance of the participating Funds. 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 Get Assured Income Now: UIN: 107N141V02.

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.

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.

^{^}Depending on the plan option and bonus payout mode chosen.

Please note that Bonuses are NOT guaranteed and may be as declared by the Company from time to time. Benefits under this plan are dependent upon the performance of the participating Funds. 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 Early Defined Guaranteed Earnings (EDGE) UIN:107N164V02.

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 Non-Participating Non-Linked Life Insurance Individual Savings Product. This is a saving cum protection oriented plan

^@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.

Terms and Conditions for ULIP

Kotak Platinum: UIN: 107L067V07.

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

Risk Factors:

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.

• 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 life 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 insurance agent or intermediary or policy document issued by the insurance company.

Terms and Conditions for Retirement Plan

Kotak Assured Pension: UIN: 107N123V12.

This is a non-participating, non-linked, general annuity product.

Terms and Conditions for Group Plans

Kotak Complete Cover Group Plan: UIN: 107N018V09.

This is a Non-Par, Non-Linked, Group Pure Risk Product.

Kotak Raksha Group Micro Insurance Plan: UIN: 107N101V05

Kotak Group Daily HospiCash Benefit Rider (Micro), UIN: 107B023V01.

This is a non-participating non-linked group micro pure risk plan.

Kotak Group Shield: UIN 107N050V07.

This is a non-par, non-linked, group pure risk product.

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.

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. Riders are not mandatory and can be attached to the base plan at inception or at any policy anniversary of the base plan for additional cost.

Ref. No.: KLI/25-26/E-WEB/2149

Bandhan Bank Ltd. is a corporate agent of Kotak Mahindra Life Insurance Company Limited with Corporate Agency License Number – CA0530. Regd. Office: DN 32, Sector V Salt Lake, Kolkata, West Bengal, 700091. The plan is offered and underwritten by Kotak Mahindra Life Insurance Company Ltd. Participation of customers of Corporate Agent shall be purely on voluntary basis. The purchase by a bank’s customer of any insurance products is purely voluntary, and is not linked to availlment of any other facility from the bank.

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.

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