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IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
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”.
You have your goals set in your life. In this journey, it is important that your hard earn money is invested in the right funds at minimal cost. Kotak Life Insurance presents you Kotak e Invest - a comprehensive Unit Linked Life Insurance Plan, which can be customized as per your goals and requirements whether it is protection, investment, financial security for child, retirement planning, with its multiple plan options to fit right to take care of various life stage needs.
the premiums you pay is fully invested into the funds.
to enhance your fund value, starting from end of 6th policy year onwards till maturity or death whichever is earlier based on the plan options.
- 25% to 200% of Life Cover charges deducted will be added to your fund value (if applicable).
Maximiser – This option is aimed at maximizing your returns for the money invested. Rising Star option offers Triple Protection Benefit on parent’s death through lump sum payout, monthly income and policy continuation till maturity Retire Rich Option cover till the age of 99 years
ensuring your expenses after Retirement are taken care of.
This plan enables you to choose the funds that suits your risk profile. It offers you the flexibility to choose from 2 Investment Strategies: (1) Self - Managed Strategy and (2) Age Based Strategy
| Parameter | Plan Option | ||
|---|---|---|---|
| Minimum | Maximum | ||
| Entry Age# | Maximizer | 3 years | 55 years |
| Rising Star | 18 years | 45 years | |
| Retire Rich | 3 years | 50 years | |
| Maturity Age# | Maximizer | 18 years | 75 years |
| Rising Star | 28 years | 60 years | |
| Retire Rich | Fixed at 99 years age of Life Insured | ||
| Policy Term | Plan Option | Policy Term |
|---|---|---|
| Policy Term | Maximizer | 10 years / 12 years / 15 years / 20 years |
| Rising Star | ||
| Retire Rich | 99 minus Entry Age of Life Insured |
Note:
| Premium Payment Term Options (PPT) | Category | Premium Payment Term Option (PPT) | Policy Term |
|---|---|---|---|
| Maximizer | Regular | Regular | 10 / 12 / 15 / 20 years |
| Limited | 5, 7 years | 10 / 12 / 15 / 20 years | |
| 10 years | 12 / 15 / 20 years | ||
| Rising Star | Regular | Regular | 10 / 12 / 15 / 20 years |
| Limited | 5 years | 10 / 12 / 15 years | |
| 7 years | 10 / 12 / 15 / 20 years | ||
| 10 years | 12 / 15 / 20 years | ||
| Retire Rich | Limited | 10 to 60 minus Age at Entry of Life Insured | 99 minus Entry Age of Life Insured |
| Premium Level | Maximizer | Rising Star | Retire Rich |
|---|---|---|---|
| Yearly | Rs. 9,000/- |
Yearly: Rs. 18,000/- Quarterly: Rs 4,500/- Monthly: Rs. 1,500/- Monthly: Rs. 750/- |
Rs. 9,000/- |
| Half Yearly | Rs. 4,500/- | Rs. 4,500/- | |
| Quarterly | Rs 2,250/- | Rs 2,250/- | |
| Monthly | Rs. 750/- | Rs. 750/- | |
| Yearly | |||
| Half Yearly | |||
| Quarterly | |||
| Monthly | |||
| Sum Assured | Maximizer | Rising Star | Retire Rich |
|---|---|---|---|
| Basic Sum Assured (Min & Max) | 10 times AP | 10 times AP | 10 times AP |
(Annualized Premium = AP)
| Mode | Maximizer | Rising Star | Retire Rich |
|---|---|---|---|
| Yearly, Half-Yearly, Quarterly, Monthly | |||
Know more about the plan and how it can benefit you.
The tax benefit is applicable as per 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
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors.
The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and 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 Insurance Company and Kotak e-Invest Plan is only the name of the unit 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.
The past performance of other Funds of the Company is not necessarily indicative of the future performance of the funds.
Please know the associated risks and the applicable charges (along with the possibility of increase in charges), from your Insurance Agent or Corporate Agent / Insurance Broker or policy document of the insurer.
All benefits payable under the Policy are subject to the Tax Laws and other financial enactments, as they exist from time to time.
Kotak e-Invest; UIN – 107L121V02, 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. Ref No. – KLI/24-25/E-WEB/923
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: https://www.kotaklife.com
WhatsApp: 9321003007
Toll Free: 1800 209 8800
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.
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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In this policy, the investment risk in investment portfolio is borne by the policyholder.
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Customer Care: 022-45811311
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