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  • Kotak e-Term Plan

    Kotak e-Term Plan is a pure term plan that provides a high level of protection to your loved ones in your absence.

  • Kotak e-Assured Savings Plan

    Kotak e-Assured Savings Plan not only provides affordable protection but also helps accrue wealth for accomplishing your upcoming financial aims by giving guaranteed benefits.


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Kotak Headstart Child Assure

Unit Linked Life Insurance Plan

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

Considering the constantly rising cost of education, fulfilling your children’s aspirations can get harder with time. In the event of a parent’s demise, the hopes of realising their dreams could be dashed. We recommend one of our most popular child plans – the Kotak Headstart Child Assure Plan.

As a unit-linked insurance plan (ULIP), it allows you to invest systematically to build a corpus for your children’s education expenses and at the same time protect their dreams from unfortunate events, such as the death of a parent.

Key features

  • Receive a planned corpus at maturity

    Your regular investments can provide you with a planned corpus upon maturity of the plan, ensuring that the cost of education is never a deterrent to fulfilling your children's dreams.

  • Secure the well-being of your family through triple protection

    In the unfortunate event of a parent's death, Kotak Life Insurance helps lessen the financial burden the child might face by providing the benefit of triple protection as follows: Your Beneficiary is paid the Life cover amount immediately to compensate for immediate loss of income. All future premiums of this insurance policy will be waived and fully paid for by Kotak Life Insurance. Policy will continue and your Beneficiary will receive the fund value of the policy at maturity.

  • Build the maturity amount as per your risk return preference

    Our seven funds are suitable for a spectrum of investors ranging from aggressive to safe. Invest in the fund option most suited for your risk-returns preference to build a corpus in a way you deem fit. Whichever the fund you choose, you can be assured that it is managed by our team of highly qualified fund managers.

  • Flexible premium payment period

    To ensure that a long-term payment obligation does not hamper you from planning your finances, we offer you the following payment methods: 5 - year premium payment period for a policy term of 10 years, Or 10 - year premium payment period for policy terms of 15 to 25 years. In addition, with the option to pay annually or half-yearly, this could be an apt child plan for your children and you.


  • Age criteria

    • Entry Age: Minimum: 18 years
    • Maximum: 60 years
  • Policy

    • Policy Term: 10,15 to 25 years
    • The minimum policy term will be greater of 10 and 18 minus 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 case 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.
  • Basic Sum Assured

    • Minimum: Entry age of below 45: Higher of 10 x annualised premium OR 0.5 x policy term x annualised premium
    • Entry age of 45 and above: Higher of 7 x annualised premium OR 0.25 x policy term x annualised premium
    • Maximum: 25 x annualised premium
  • Premium

    • Regular and 10 PPT: Yearly – Rs. 20,000 p.a. and Half-yearly –Rs. 10,000
    • 5 PPT: Yearly – Rs. 50,000 p.a. and Half-yearly –Rs. 25,000
  • Premium Payment Details

    • Premium Payment Term (PPT)
    • Regular Pay: 10/15 to 25 years (equal to policy term)
    • Limited Pay: 5 years with policy term 10 years | 10 years with policy terms 15 to 25 years
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Read about Tax benefits & Plan Disclaimer

Benefits earned under this plan are in accordance with the Income Tax Act, 1961 subject to conditions as specified in those sections. You can avail tax benefits on:

  • Your premiums under Section 80C.
  • Maturity or death claim proceeds under Section 10 (10D).

Tax benefits under the policy will be as per the prevailing income tax laws and are subject to change in the tax laws. You are advised to consult your tax adviser for details.

Terms and conditions

Risk factors

  • Unit-linked life insurance products are different from the traditional insurance products and are subject to 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 Old Mutual Life Insurance Ltd is only the name of the insurance company and Kotak Headstart Child Assure 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.
  • Please know the associated risks and the applicable charges (along with the possibility of increase in charges), from your Insurance agent or the Intermediary or policy document of the insurer.

Kotak Headstart Child Assure - UIN: 107L066V02. Form No: L066, Ref No. KLI/15-16/E-WEB/261

Regd. Office:

Kotak Mahindra Life Insurance Company Ltd.(Formerly known as Kotak Mahindra Old Mutual Life Insurance Ltd.)

Reg No. 107
CIN : U66030MH2000PLC128503
2nd Floor, Plot # C- 12, G- Block, BKC,
Bandra (E), Mumbai - 400051
Toll Free: 1800 209 8800 (8 am to 10 pm)

Insurance is the subject matter of the solicitation. This is a unit-linked non-participating endowment plan. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.


IRDAI clarifies to public that

  • IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDAI does not announce any bonus.
  • Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.