Kotak e-Invest

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.

Key Features

100% allocation of your premiums,

the premiums you pay is fully invested into the funds.
Yearly Additions

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.
Return of Mortality Charges

- 25% to 200% of Life Cover charges deducted will be added to your fund value (if applicable).
Multiple plan options –

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
Boost Long Term Savings Through Retirement Income along with Income Booster

ensuring your expenses after Retirement are taken care of.
Provides flexibility to choose from two Investment Strategies

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

Eligibility

Parameter	Plan Option	Eligibility Criteria
		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:
- For Maximizer and Retire Rich, the minimum policy term will be equal to the smallest available term to ensure that the Life Insured is a Major at the time of maturity. For example, if the Life Insured’s age is 7, the minimum policy term available would be 12 years.
- For Rising Star option, the minimum policy term will be greater of 10 years and 18 minus the age last birthday of the Beneficiary on the date of commencement, to ensure that the policy matures when the beneficiary has attained the age of majority. In cases where 18 minus age last birthday on the date of commencement lies between two available policy terms, the next higher policy term will be offered.

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

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
Minimum
Yearly	Rs. 9,000/-	For 5 & 7 PPT Yearly: Rs. 18,000/- Half-Yearly: Rs. 9,000/- Quarterly: Rs 4,500/- Monthly: Rs. 1,500/- For 10 PPT & Regular PayYearly: Rs. 9,000/-Half-Yearly: Rs. 4,500/-Quarterly: Rs. 2,250/- 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/-
Maximum
Yearly	No Limit	No Limit	No Limit
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

Sum Assured	Maximizer	Rising Star	Retire Rich
Basic Sum Assured (Min & Max)	10 times AP	10 times AP	10 times AP

Mode	Maximizer	Rising Star	Retire Rich
	Yearly, Half-Yearly, Quarterly, Monthly

Downloads

Know more about the plan and how it can benefit you.

Read about Tax benefits & Plan Disclaimer

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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