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Kotak Platinum

Kotak Platinum

Unit Linked Life Insurance Plan

Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to withdraw/surrender the monies invested in Linked Insurance Products completely or partially till the end of the fifth year from inception..

You have lived life on your own terms and have always done what you have believed in - with conviction and flair. As a successful individual, you are used to the best life has to offer. It is only fitting that your investment avenues measure up to your impeccable standards. Your ideal plan is one that maximises your returns in the medium to long run and offers the flexibility you desire at the same time.

Kotak Platinum is a unit-linked insurance plan (ULIP) which helps you manage your wealth by giving you control over the avenues you invest your money in and flexibility of premium payment options. On top of all this, Kotak Platinum offers reduced fund management charges - giving you one of the most competitive channels to manage your wealth.

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Choice of funds that best suited your needs
You can choose to spread your investment across a range of 7 fund options ranging from cautious to aggressive funds.
Kotak Platinum

This way you get an exhaustive list of options to diversify your wealth and you don't need to look for any other investment avenue.

See the risk-return table above to see which product(s) is/are most suitable or contact a Kotak Life Advisor to know more.
Need to switch to a plan with lower risk or one that brings higher returns? Don't worry, as you'll have 12 free switches in a policy year for greater control over your investment.

Minimum charges, maximum earnings
With Kotak Platinum's low charges, we ensure that 95% to 98.5% of your premium payment goes straight to the investment you have picked, to maximise your returns.

Keep earning with additional Loyalty Additions
On top of the earnings your investment brings, be rewarded with extra Loyalty Additions at the end of 10th policy year and every 5 years thereafter. Thus, the longer you stay with us, the more you get out of your investment. The Loyalty Additions are equal to 2% of the average Fund Value (in the Main Account) in the immediately preceding three years.

Flexible payment period
If a longer payment period doesn't suit your needs, you can always opt for a shorter one. Choose either a:

  • 5-year premium payment period for a policy term of 10 years, or
  • 10-year premium payment period for policy terms of 15 to 30 years
What's more, you also have the option to pay annually, half-yearly, quarterly or monthly - giving you even greater flexibility in the way you invest.

Other advantages

  • Option for partial withdrawals
  • Flexibility to receive maturity benefit via lump sum payment or in installments
  • Life insurance cover that safeguards your family's well-being

You may also consider:

Kotak Ace Investment Plan

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