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Kotak e-Invest Plus

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Kotak Invest Maxima

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Kotak Invest Maxima

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.”

As an informed investor you value every rupee of your financial investments and would like to invest at an economical cost. You also might appreciate a systematic entry into the volatile equity market. Keeping all this in mind, we bring you Kotak Invest Maxima, an investment oriented unit-linked life insurance plan gives you life cover with maximum premium allocation and a Systematic Switching Strategy that allows you to enter the equity market in a systematic manner.

Key Features

  • Zero premium allocation charge

    Zero premium allocation charge

    Zero deduction towards premium allocation charge, ensure that most of your money is invested in the funds chosen by you and returns are enjoyed over a larger portion of your premiums.

  • Choice of portfolio strategies

    Choice of portfolio strategies

    Kotak Invest Maxima offers you two portfolio strategies to choose from: 1. Self-Managed Portfolio Strategy 2. Systematic Switching Strategy

  • Get rewarded for staying invested longer

    Get rewarded for staying invested longer

    To reward long-term savings, the plan will add survival units every 5 years starting from the end of 10th policy year (subject to policy being in force i.e. not in the discontinued state). Annualized / Single Premium: ₹ 50,000 to ₹74,999 Survival Units^ (as % of Fund Value) - 1% Annualized / Single Premium- ₹75.000 & Above Survival Units^ (as % of Fund Value) - 2%. ^Average of the Fund Value on the relevant date and the two preceding year ends.

  • Choice of convenient policy term and premium payment term

    Choice of convenient policy term and premium payment term

    You have the flexibility to opt for policy terms and premium payment terms as per your convenience. For Single Premium Payment - option the policy term is fixed 10 & 15 years whereas for Regular and Limited Premium Payment terms you can choose from the fixed policy terms of 10, 15, 20, 25 and 30 years.

  • Liquidity through partial withdrawals

    Liquidity through partial withdrawals

    You can access your investment after completion of the 5th policy year by way of partial withdrawals.

  • Additional Riders:

    Additional Riders:

    Enhance your protection through Optional Rider options

Eligibility

  • Eligibility

    Age criteria

    Entry age#:

    Regular Pay: Minimum: 0 Years* | Maximum: 65 years

    • For Policy Term of 10 /15 years: Minimum: 0 years* | Maximum: 64 years
    • For Policy Term of 20 /25 /30 years: Minimum: 0 years* | Maximum: 55 years

    Single Pay:

    Option 1:

    For Policy Term 10 years: Minimum: 0 years*; Maximum: 45 years

    For Policy Term 15 years: Minimum: 0 years*; Maximum: 42 years

    Option 2:

    For Policy Term 10 years: Minimum: 0 years*; Maximum: 65 years

    For Policy Term 15 years: Minimum: 0 years*; Maximum: 60 years

    Maturity age#: Minimum: 10 years | Maximum: 75 years

  • Eligibility

    Policy

    Policy Term (fixed):

    Regular Premium: 10, 15, 20, 25 & 30 years

    Limited Premium: 10, 15, 20, 25 & 30 years

    Single Premium: 10 & 15 years

  • Eligibility

    Basic Sum Assured

    Regular and Limited Premium:

    Minimum SA:

    Regular Pay Limited Pay
    Upto 60 years 61 – 65 years Upto 53 years 54 - 64 years
    10 X AP 7 X AP 10 X AP 7 X AP

    Maximum SA:

    Regular Pay Limited Pay(10/5 & 15/5) Limited Pay (20/5, 25/5 & 30/5)
    Age Multiple
    of AP    		 Age Multiple
    of AP    		 Age Multiple
    of AP
    0 - 45 25 0-34 25 0-34 25
    46-54 15 35-45 15 35-45 12
    55-60 10 46-54 10 46-53 10
    61-65 7 55-64 7 54-55 7

    Single Premium: Option I: 5 times SP | Option II : 1.25 times SP

    AP: Annualised Premium | SP: Single Premium

  • Eligibility

    Premium Amount

    Regular - ₹50,000 - ₹ 1,00,000

    Limited - ₹75,000 - ₹ 1,00,000

    Single - ₹2,50,000 – No Limit, subject to BAUP

  • Eligibility

    Premium Payment Details

    Premium Payment Term: Regular: Same as Policy Term chosen | Limited: 5 years

    Premium Payment Mode: Annual and single

  • Eligibility

    Top-Up Premium

    Minimum: ₹ 20,000

    Maximum: Total Top-Up premium paid shall not exceed the sum of all the Annualised Premiums / Single Premium paid at that point of time

  • Eligibility

    Top-Up Sum Assured

    1.25 X Top-Up Premium

    #Ages above will be as at the last birthday

    *For age 0 to 7 years, underwriting screening will apply.

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

Read about Tax benefits & Plan Disclaimer

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.

Tax benefits are subject to conditions specified as per Income-tax Act, 1961. Customer is advised to take an independent view from tax consultant.

Terms and Conditions

Risk Factors

  • Linked Insurance products are different from the traditional insurance products and are subject to the risk factors.
  • The premium paid in Linked Insurance policies are subject to investment risks associated with capital markets. 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 Life Insurance Company and Kotak Invest Maxima is only the name of the linked 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.
  • Please know the associated risks and the applicable charges from your insurance agent or intermediary or policy document issued by the insurance company
  • The funds offered under this contract are the name 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.

Kotak Invest Maxima UIN: 107L073V05. Kotak Accidental Death Protection Rider (Linked) UIN: 107A021V02, Kotak Critical Illness Benefit Rider (Linked) UIN: 107A022V02.

This is a non-participating unit-linked life insurance individual savings product. This website content is not a brochure and only gives the salient features of the plan. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale. For more details on riders please read the Rider Brochure.

Kotak Mahindra Life Insurance Company Ltd. Reg No. 107, CIN : U66030MH2000PLC128503 8th Floor, Plot # C- 12, G- Block, BKC, Bandra (E), Mumbai – 400051, Toll Free: 1800 209 8800, Website: www.kotaklife.com , WhatsApp: 9321003007. Ref. No.: KLI/25-26/E-WEB/1839.

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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