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Kotak Value Protect

A Non-Participating Non-Linked Life Insurance Individual Pure Risk Product

arrow Economical Cost
arrow Tax Benefits#
arrow Multiple Payment Terms
arrow Multiple Riders

Pay ₹321* per month for 20 years

Get Life Cover of ₹ 10 Lakhs

What is Kotak Value Protect?

Designed for India’s dynamic population who prefers simplicity, this term insurance plan offers affordable life cover up to ₹50 Lakh, ensuring financial security for families without any complexity.


Because your family’s dreams deserve protection, even when you're not around. This affordable life insurance term plan from Kotak Life ensures peace of mind with seamless experience of availing protection against uncertainties - simple, secure, and built for everyday heroes.

Features of Kotak Value Protect

100% premium allocation

Life Cover at economical price

Get life coverage, starting from ₹5 Lakh, at an economical price. This ensures maximum financial protection for your loved ones in case of an unfortunate event.

Yearly Additions

Preferential rates for Female

Female Life Insured will receive special rates throughout premium payment term.

Return of Mortality Charges

Inbuilt Health & Wellbeing Benefits

The Life Insured shall be eligible to avail health & wellbeing benefits such as telemedicine consultation/ personal medical care & lifestyle management programs, emergency response service, home health care and pharmacy access.

Boost Retirement Savings & Income

Flexible Policy Terms & Premium Payment Terms

You have the option to pay your premiums one time, yearly, half yearly, quarterly or monthly mode and can also have the flexibility to change the premium payment mode on policy anniversary.

Yearly Additions

Additional Rider Benefits

You may avail of the following rider benefits - Kotak Accidental Death Benefit Rider, Kotak Permanent Disability Benefit Rider and Kotak Critical Illness Plus Benefit Rider for a nominal additional premium.

Eligibility

Entry Age
(Age as on last birthday)		 Minimum: 18 years, Maximum: 45 years
Maturity Age
(Age as on last birthday) 		Minimum: 23 years, Maximum: 60 years
Policy Term (PT) 5 | 10 | 15 | 20 years
Premium Payment Term (PPT) Single Payment Option: One Time Payment
Regular Payment Option: Same as Policy Term
Limited Payment Option:
PPT 5 Pay : PT 10,15 & 20 Years
PPT 7 Pay : PT 10,15 & 20 Years
PPT 10 Pay : PT 15 & 20 Years
PPT 15 Pay : PT 20 Years
Premium Payment Mode Single Pay, Regular Pay and Limited Pay
Premium Payment Mode Single, Yearly, Half-Yearly, Quarterly and Monthly
Modal Factor Yearly – 100% , Half yearly – 51% , Quarterly – 26% , Monthly – 8.8% of Annual Premium
Premium The Annual Premium shall vary based on the Age, Gender of the Life Insured, Basic Sum Assured, Premium Payment Term, Policy Term, Distribution Channel and the Mode opted in the Policy
Basic Sum Assured Minimum: ₹5,00,000, Maximum: ₹50,00,000

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.

Kotak Permanent Disability Benefit Rider

120% of the Rider Sum Assured shall be payable over a period of 5 years

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, subject to terms and conditions, definitions and specific exclusions.

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FAQs onKotak Value Protect

1

What is Kotak Value Protect?

Kotak Value Protect is a non-participating, non-linked pure risk life insurance plan that provides affordable and high-level protection to your family in case of your unfortunate demise. It offers customizable options for additional coverage, including Accidental Death, Permanent Disability and Critical Illness.

2

Who is eligible for this plan?

Any individual between the age of 18 years to 45 years can buy this plan.

3

What is the Sum Assured offered under this plan?

Minimum sum assured of ₹5 Lakh and Maximum sum assured of ₹50 Lakh offered under this plan.

4

What are the premium payment modes available?

Customers can choose premium payment modes – Annual, Half-yearly, Quarterly, Monthly and Single.

5

What is the policy term for Kotak Value Protect?

The policy term can vary, with a minimum of 5 years to 20 years.

#Tax Benefits & Disclaimers

You may avail of tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961 subject to conditions as specified in those sections. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from tax consultant.

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.

Terms & Conditions:

Kotak Value Protect UIN: 107N140V01, 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 pure risk 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.

*The premium stated for a 30 year healthy male for a term of 20 years paying regularly, the monthly premium is ₹321 (Annualized premium ₹3,649*8.8%) and you can get life cover of ₹10 Lakhs. GST is exempted for all individual life policies with effect from 22nd September 2025.

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/25-26/E-WEB/1686.

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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