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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.

  • Kotak e-Lifetime Income Plan

    Kotak e-Lifetime Income Plan gives you the assurance of regular stream of income throughout your lifetime to lead a care-free life.


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Kotak Assured Income Accelerator

A guaranteed income anticipated endowment insurance plan

Let your savings accelerate your income. Whether you are an entrepreneur, an employee or a professional, you work hard to improve your performance, resulting in increased income year on year. Even with your savings, you expect to fetch a value that increases with every passing year. Kotak Assured Income Accelerator offers a unique way to get risk free returns. It ensures that you get Guaranteed Income every year on the same amount of savings and that your Guaranteed Income increases year on year – a plan that truly grows with your savings!

How it works

  • Mr. Sharma is a 35 years old Government employee

  • He chooses an annual premium of Rs. 60,000/-* for a premium payment term of 15 years and a policy term of 30 years which helps determine Basic Sum Assured and Guaranteed Income

  • He pays premiums every year for the selected premium payment term

  • After premium payment term of 15 years expires, he gets Guaranteed Income starting at Rs. 78,000/- at the end of the 16th policy year, gradually increasing during Payout Period

  • At the age of 65, the plan matures and Mr. Sharma enjoys the last installment of increasing payout and the Guaranteed Maturity Benefit totaling to Rs. 3,46,440/-

  • He can finally invest in building a home in his native land.

  • Also, in case of an unfortunate event of his death, his nominees receive a death benefit as defined by the policy.

    * The above Premium figures are exclusive of Goods and Services Tax and Cess. Goods and Services Tax and Cess thereon, shall be charged as per the prevalent tax laws over and above the said premiums.

Key features

  • Get Guaranteed Income

    Payable every year during the Payout Period

  • Increase in Guaranteed Income

    Through Income Boosters from 5% to 7% yearly

  • Get higher Guaranteed income

    With higher annual premium

  • Get death benefit

    Irrespective of Guaranteed Income already paid

  • Get Guaranteed Maturity Benefit

    Along with the last payout

  • Customise Protection

    Through a wide range of Riders

  • Enjoy tax benefit

    As per applicable tax laws


  • Entry Age

    • Minimum: 0 years
    • Maximum: 7 PPT – 60 years | 10 PPT – 60 years | 15 PPT – 55 years
  • Maturity Age

    • Minimum: 18 years
    • Maximum: 85 years
  • Policy and Premium Payment Term (PPT)

    • (PPT: Policy Terms)
    • 7 pay: 15 years | 10 pay: 20 years | 15 pay: 30 years
  • Payout period

    • 7 PPT: 8 yearly Payouts starting from the end of the 8thpolicy year
    • 10 PPT: 10 yearly Payouts starting from the end of the 11th policy year
    • 15 PPT: 15 yearly Payouts starting from the end of the 16th policy year
  • Premium Payment Option

    • Limited only
  • Annual Premium

    • Minimum: 15,000
    • Maximum: No limit, subject to underwriting
  • Basic Sum Assured

    • 10 times of annual premium
    • In case of non-annual mode, the installment premium will be divided by modal factor to arrive at annual premium.
  • Premium Payment Mode

    • Yearly, Half yearly, Quarterly, Monthly
  • Modal Factor (% of annual premium)

    • The following modal loading will be used to calculate the installment Premium.
    • Yearly - 100%, Half yearly - 51%, Quarterly - 26%, Monthly - 8.8%

Additional protection with optional Riders

  • Kotak Term Benefit

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

  • Kotak Accidental Death Benefit

    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

    In case of life insured being permanently disabled due to accident, benefit is paid in installments.

  • Kotak Life Guardian Benefit

    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

    In case of accidental disability, outstanding premiums are waived and will be paid by Kotak Life Insurance.

Calculate premium

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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

Tax Benefits & Disclaimers

You may avail of tax benefits under Section 80C and Section 10(10D) 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.

Unique Identification Number (UIN):

Kotak Assured Income Accelerator: 107N089V01, Form No: N089 Kotak Term Benefit Rider – 107B003V03, Kotak Accidental Death Benefit Rider – 107B001V02, Kotak Permanent Disability Benefit Rider – 107B002V02, Kotak Life Guardian Benefit Rider – 107B012V02, Kotak Accidental Disability Guardian Benefit – 107B011V02

Ref. No.: KLI/17-18/E-WEB/160

Guaranteed benefits due under this plan are available provided premiums are paid regularly for the entire premium payment term and the policy is in force. Insurance is the subject matter of solicitation. This is a non-participating guaranteed income anticipated endowment plan. For sub-standard lives, extra premium may be charged based on KLI’s underwriting policy. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For details on riders, please read the Rider Brochure.

Regd. Office:

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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