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Kotak Assured Savings Plan

Kotak Assured Savings Plan

A life insurance plan

Life insurance can serve as the foundation of a well-thought-out financial strategy. And if you're someone who wants to take an active role in reaching your financial objectives, you may be looking for a life insurance policy that provides more than just simple protection - one that gives you the potential to accumulate wealth that can help you achieve a variety of future financial goals. Kotak Assured Savings Plan may be just the Plan for you. This Plan not only provides affordable protection but also helps accumulate wealth for achieving future financial goals by giving guaranteed benefits.

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Entry Age Min: 3 years
Max: 60 years
Maturity Age Min: 18 years
Max: 75 years
Policy and Premium Payment Term (PPT)
PPT Policy Terms
5 pay 10 / 15 yrs
6 pay 12 / 18 yrs
7 pay 14 / 20 yrs
10 pay 15 / 20 yrs
Annual Premium

Min: 20,000

Max: No limit, subject to underwriting

Premium Payment Option Limited only
Minimum Basic Sum Assured

Determined on the basis of minimum premium amount, entry age, policy term and PPT
For example: For 20,000 annual premium, following shall be the Basic Sum Assured for entry ages 3 & 60 yrs:


Age Policy Term Premium payment term Basic sum assured ()
3 years 15 years 5 years 1,36,780
3 yearsq 20 years 10 years 2,42,340
60 years 15 years 10 years 1,19,896


For details, please refer to the premium calculator on our website.

Premium Payment Mode Yearly, Half yearly, Quarterly, Monthly
Modal Factor (% of annual premium) Yearly - 100%, Half yearly - 51%, Quarterly - 26%, Monthly - 8.8%

Additional Protection:

If you feel the insurance cover is not adequate, you can increase it by attaching below mentioned optional Riders to your base plan:
  • Kotak Term Benefit (KTB): In case of death of the life insured, rider sum assured will be paid in addition to the death benefit under the base plan.
  • Kotak Life Guardian Benefit (LGB): In case of death of the policyholder (if different from Life Insured), outstanding premiums are waived and will be paid by Kotak Life Insurance.
  • Kotak Accidental Disability Guardian Benefit (ADGB): In case of accidental disability, outstanding premiums are waived and will be paid by Kotak Life Insurance.

For more details on Riders and exclusions please refer to the Individual Rider Brochure before concluding the purchase.


You may also consider:

Kotak Platinum

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