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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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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
Long Term Income Option A: Income with 100% Return of Total Premiums paid:
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
∙ In-built Value Added Services for wellbeing of your health
∙ Premium Break for Female Lives
Gender : Male, Female & Transgender
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
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 |
Premium Payment Term (PPT)
| Plan Option | Premium Payment Term |
| Long Term Income | 5 years/7 years/10 years/12 years |
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.
Income Benefit Period
| Plan Option | Income Benefit Period |
| Long Term Income | 15 years / 20 years / 25 years |
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%
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.
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.
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%
Allows additional death cover on the life of Life Insured over and above the base plan’s Death Benefit.
DownloadLump sum benefit paid on accidental death of the Life Insured in addition to Death Benefit under the base plan.
DownloadOn permanent disability caused due to accident, 120% of Rider Sum assured will get paid out over a period of 5 years.
DownloadOn 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.
DownloadOn 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.
DownloadRider 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.
DownloadTax 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.
A Non-Linked Non-Participating Life Insurance plan
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You may avail of tax benefits as specified under the 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 laws.
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Kotak Fortune Maximiser is a limited pay participating endowment plan, 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.
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A Limited Pay Non-Linked Participating Life Insurance plan. You earn and work hard to accomplish your dreams and aspirations at every stage of life.
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Kotak Assured Savings Plan is an affordable protection plan that enables you to accumulate wealth and strengthens your finances for the future.
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Customer Care: 022-45811311
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