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Kotak Assured Savings Plan

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.

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Kotak Guaranteed Fortune Builder

Invest in Kotak Guaranteed Fortune Builder

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

In life, you hope to fulfill all your dreams and naturally try to plan things accordingly. But life never fails to surprise. In this fast-changing world, you need a sense of financial security or a second source of income to safeguard your financial plans even in unpredictable times and to protect your loved ones in case of any unexpected circumstances.

Well, we understand your need and the best way is to give you the assurance of fulfilling your financial goals and protecting them against the uncertainties.

Presenting Kotak Guaranteed Fortune Builder (KGFB) a Life Insurance Plan to safeguard your family’s future with an assurance to fulfil your goals. Further, you can also avail the plan option wherein you get the full premium amount returned. Thus, KGFB makes sure you always leap forward and can truly #BeUnstoppable

How it works

  • insurence plan

    Long Term Income Option A: Income with 100% Return of Total Premiums paid:

    howitworks.png

Key Features

  • Guaranteed@ Benefit with Long Term Income plan option to suit your varied needs

  • Life cover for financial security for your family

  • Option to avail Guaranteed@Income upto 25 years for your short term and long term goals.

  • Guaranteed@ lump sum benefit with flexible liquidity option

Additional Benefits

  • ∙ In-built Value Added Services for wellbeing of your health

  • Premium Break for Female Lives

Eligibility

  • Eligibility

    Gender : Male, Female & Transgender

  • Eligibility

    Entry Age

    (as on last birthday)

    Plan Option Applicable for all channels including POSP channel
    Minimum* Maximum
    Long Term Income 1 years 60 years

    *Age at maturity should be at least 18 years

  • Eligibility

    Maturity Age

    (as on last birthday)

    Plan Option Applicable for all channels except POSP channel
    Minimum* Maximum
    Long Term Income 18 years 75 years
    Plan Option Applicable for POSP channel
    Minimum* Maximum
    Long Term Income 18 years 65 years
  • Eligibility

    Premium Payment Term (PPT)

    Plan Option Premium Payment Term
    Long Term Income 5 years/7 years/10 years/12 years
  • Eligibility

    Deferment Period

    Plan Option
    Minimum Maximum
    Long Term Income 1 years 5 years

    Deferment Period is the difference between the Policy Term and Premium Payment Term.

  • Eligibility

    Income Benefit Period

    Plan Option Income Benefit Period
    Long Term Income 15 years / 20 years / 25 years


  • Eligibility

    Income Benefit Frequency

    Yearly, Half-yearly, Quarterly, Monthly mode

    Following factors will be used to calculate installment Guaranteed Income

    Yearly – 100%, Half yearly – 49.00%, Quarterly – 24.25%, Monthly– 8.00%

  • Eligibility

    Policy Term

    Plan Option
    Minimum Maximum
    Long Term Income 6 years 17 years


    For Long Term Income Policy Term will be always PPT + Deferment Period.

  • Eligibility

    Premium Levels

    Minimum: ₹. 30,000 p.a.

    Maximum: No Limits, subject to underwriting acceptance

    For POSP channel:

    Minimum: ₹. 30,000 p.a.

    Maximum: ₹.1,50,000 p.a.

  • Eligibility

    Premium Payment Mode


    Yearly, Half yearly, Quarterly, Monthly

  • Eligibility

    Premium Modal Factor

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

Additional Protection with Optional Riders

  • Additional Protection with Optional Riders

    Kotak Term Benefit Rider:

    Allows additional death cover on the life of Life Insured over and above the base plan’s Death Benefit.

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  • Additional Protection with Optional Riders

    Kotak Accidental Death Benefit Rider

    Lump sum benefit paid on accidental death of the Life Insured in addition to Death Benefit under the base plan.

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  • Additional Protection with Optional Riders

    Kotak Permanent Disability Benefit Rider:

    On permanent disability caused due to accident, 120% of Rider Sum assured will get paid out over a period of 5 years.

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  • Additional Protection with Optional Riders

    Kotak Life Guardian Benefit Rider:

    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. This rider will not be available with Spouse Cover.

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  • Additional Protection with Optional Riders

    Kotak Accidental Disability Guardian Benefit Rider

    On accidental disability of Policyholder / Life Insured, 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.

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  • Additional Protection with Optional Riders

    Kotak Critical Illness Plus Benefit Rider:

    Rider Sum Assured shall be payable on admission of a claim on any one of the 37 covered critical illness, with respect to Life Insured, subject to terms and conditions, definitions and specific exclusions.

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Read about Tax benefits & Plan Disclaimer

Tax Benefits:

You may avail of tax as per the Income Tax Act, 1961 subject to conditions as specified in those sections. 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 laws.

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 Guaranteed Fortune Builder UIN: 107N128V07.

Kotak Term Benefit Rider UIN:107B003V03, Kotak Accidental Death Benefit Rider, UIN:107B001V04,Kotak Permanent Disability Benefit Rider, UIN:107B002V03,Kotak Life Guardian Benefit, UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit, UIN: 107B011V02,Kotak Critical Illness Plus Benefit Rider -107B020V02.

A Non-Participating Non-Linked Life Insurance Individual Savings Product. This is a saving and protection oriented 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. @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. For policies issued through POS channel, Riders shall not be allowed.

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/24-25/E-WEB/1405.

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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