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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 Premier Pension Plan

Traditional Participating Pension Plan

Today you are an earning, self-reliant individual, working hard to realize yours’ and your loved one’s dreams. However, tomorrow when you retire, a new phase of your life will start when your income will stop and you might face difficulty in maintaining the same lifestyle that you are having today!

Kotak Life Insurance presents Kotak Premier Pension Plan that helps you to accumulate a retirement kitty for the golden years to help you lead a comfortable and worry-free retirement life. This plan is a participating plan with assured benefits on death and vesting.

Key features

  • Get Guaranteed Additions*

    In the first 5 policy years, Guaranteed Additions as %age of Basic Sum Assured will accrue payable either on maturity or on death, whichever is earlier *Subject to policy being in force

  • Earn bonus

    Get bonuses accrued from 6th policy year onwards.

  • Enjoy Assured Benefit

    Get a minimum guaranteed benefit either on death or on vesting equaling 105% of the Total Premiums paid till date of death or vesting (excluding taxes and rider premium, if any).

  • Get Additional Protection through optional riders

    Choose from two rider options to increase the protection levels.


  • Age criteria

    • Entry age: Minimum: 30 years | Maximum: For Regular & Limited Pay: 55 years For Single Pay: 60 years
    • Vesting age: Min: 45 years | Max: 70 years
  • Basic Sum Assured

    • Minimum: 2 lacs
    • Maximum: Subject to underwriting
  • Premium Payment Details

    • Premium Payment Term (PPT):Regular Pay: 10 - 30 years Limited Pay: 10 Pay: 15 - 30 years 12 Pay: 17 - 30 years Single Pay: 10 yrs & 15 years
    • Premium Payment Mode: Yearly, Half yearly, Quarterly, Monthly
    • Premium Level: Will depend on Sum Assured levels, age, PPT and Term
  • Premium Modal Factor

    • Yearly - 100%, Half yearly - 51%, Quarterly - 26%, Monthly - 8.8%

Additional protection with optional Riders

  • Kotak Accidental Death Benefit Rider

    In case of death of the life insured due to accident, rider sum assured will be paid in addition to the death benefit under the base plan.

  • Kotak Permanent Disability Benefit Rider

    On total and permanent disability of the life insured due to accident, benefit is paid in installments.

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Download the brochure to know more about the plan and how it can benefit you.

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Read about Tax benefits & Plan Disclaimer

You may avail of tax benefits on the premium paid under Section 80CCC of Income Tax Act, 1961 subject to conditions as specified in those sections. Tax benefits are subject to change as per tax laws. You are advised to consult your Tax Advisor for details. Goods and Services Tax shall be levied over and above premium amount as per applicable tax laws.

Terms and conditions

This is a Participating non-linked Pension Plan. . This website content 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 details on riders, please refer to the Rider Brochure.

Kotak Premier Pension Plan UIN: 107N094V02, Form No: N094, Kotak ADB Rider UIN - 107B001V03, Kotak PDB Rider UIN- 107B002V03, ADB Form No: B001, PDB Form No: B002, Ref No: KLI/17-18/E-Web/115

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)

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.

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