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Kotak Invest Maxima

Unit Linked Life Assurance Plan


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

As an informed investor you value every rupee of your financial investments and would like to invest at an economical cost. You also might appreciate a systematic entry into the volatile equity market. Keeping all this in mind, we bring you Kotak Invest Maxima, an investment oriented unit-linked life insurance plan with maximum premium allocation and a Systematic Switching Strategy that allows you to enter the equity market in a systematic manner.

Key features

  • Zero premium allocation charge

    Zero deduction towards premium allocation charge, ensure that most of your money is invested in the funds chosen by you and returns are enjoyed over a larger portion of your premiums.

  • Choice of portfolio strategies

    Flexibility in choosing investment strategy enhances convenience and offers an investment avenue more suitable to your requirements. Kotak Invest Maxima offers you two portfolio strategies to optimise your investments: 1. Self-Managed Portfolio Strategy offers you the flexibility to invest in any of the five fund options we provide you. These fund options vary from aggressive to cautious and hence are suitable for all kinds of investors. 2. Systematic Switching Strategy allows you to participate in the volatile equity markets in a systematic and structured manner. Your fund is parked in Money Market Fund and transferredat a pre-defined rate every month into any one of the following funds: Classic Opportunities Fund Frontline Equity Fund You have the option to choose Systematic Exit Strategy (SES)2, wherein during the last policy year, you will have the choice to switch out of the selected fund, i.e. you can move the amount accumulated in either Classic Opportunities Fund or Frontline Equity Fund to the Money Market Fund systematically over a 12-month period, in a similar manner as Systematic Switching Strategy. SFINs: Classic Opportunities Fund ((ULIF-033-16/12/09 CLAOPPFND-107), Frontline Equity Fund (ULIF-034-17/12/09-FRLEQUFND-107), Money Market Fund (ULIF-041-05/01/10-MNMKKFND-107)

  • Get rewarded for staying invested longer

    To reward long-term savings the plan will add survival units every 5 years starting from the end of 10th policy year (subject to policy being in force i.e. not in the discontinued state). Annualized / Single Premium - Rs. 50,000 to Rs. 74,999 Survival Units^ (as % of Fund Value) - 1% Annualized / Single Premium- Rs. 75,000 & Above Survival Units^ (as % of Fund Value)- 2% ^ Average of the Fund Value on the relevant date and the two preceding year ends.

  • Choice of convenient policy term and premium payment term

    You have the flexibility to opt for policy terms and premium payment terms as per your convenience. For Single Premium Payment option the policy term is fixed 10 years whereas for Regular and Limited Premium Payment terms you can choose from the fixed policy terms of 10, 15, 20, 25 and 30 years.

  • Liquidity through partial withdrawals

    You can access your investment after completion of the 5th policy year by way of partial withdrawals.


  • Age criteria

    • Entry age#:

    Regular Pay: Min: 0 Years | Max: 65 years

    Limited Pay :

    For Policy Term of 10 /15 years : Min: 0 years* | Max: 64 years

    For Policy Term of 20 /25 /30 years : Min: 0 years* | Max: 55 years

    Single Pay :

    Option 1: Min: 0 years* | Max: 43 years

    Option 2: Min: 0 years* | Max: 65 years

    • Maturity age#: Minimum: 10 years | Maximum: 75 years
  • Policy

    • Policy Term (fixed): Regular Premium: 10, 15, 20, 25 & 30 years | Limited Premium: 10, 15, 20, 25 & 30 years | Single Premium: 10 years
  • Basic Sum Assured

    • Regular and Limited Premium:
      Regular Pay Limited Pay
      Upto 60 years 61 – 65 years Upto 53 years 54 - 64 years
      10 X AP 7 X AP 10 X AP 7 X AP

      Max SA:

      Regular Pay Limited Pay(10/5 & 15/5) Limited Pay (20/5, 25/5 & 30/5)
      Age Multiple of AP Age Multiple of AP Age Multiple of AP
      0-45 25 0-34 25 0-34 25
      46-54 15 35-45 15 35-45 12
      55-60 10 46-54 10 46-53 10
      61-65 7 55-64 7 54-55 7
    • Single Premium: Option I: 5 times SP | Option II : 1.25 times SP
    AP: Annualised Premium |SP: Single Premium
  • Premium Amount

    • Regular - Rs. 50,000 - Rs. 1,00,000, Limited - Rs. 75,000 - Rs. 1,00,000, Single - Rs. 1,00,000 - Rs. 2,50,000
  • Premium Payment Details

    • Premium Payment Term: Regular: Same as Policy Term chosen | Limited: 5 years
    • Premium Payment Mode: Annual and single
  • Top-Up Premium

    • Minimum: Rs. 20,000 | Maximum: Total Top-Up premium paid shall not exceed the sum of all the Annualised premiums / Single Premium paid at that point of time
  • Top-Up Sum Assured

    1.25 X Top-Up Premium

    # Ages above will be as at the last birthday
    * For age 0 to 7 years, underwriting screening will apply.
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Read about Tax benefits & Plan Disclaimer

Benefits earned under this plan follow the guidelines of Income tax act, 1961 and you can avail tax benefits on

- Your premiums under section 80C.

- Maturity or death claim proceeds under section 10(10D)

Tax benefits under Section 80C and Section 10(10D) of Income Tax Act, 1961 subject to conditions as specified in those sections. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from tax consultant.

Terms and Conditions

Risk Factors

  • Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the 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 Life Insurance Company Ltd is only the name of the Insurance Company and Kotak Invest Maxima 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 past performance of other Funds of the Company is not necessarily indicative of the future performance of the funds.
  • 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, from your Insurance agent or the Intermediary or policy document of the insurer. Insurance is the subject matter of the solicitation

Kotak Invest Maxima UIN: 107L073V03; Form No: L073; Ref. No.:KLI/19-20/E-WEB/343

Regd. Office:

Kotak Mahindra Life Insurance Company 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)

This is a unit linked non-participating endowment plan. This website content is not a brochure and 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.


IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Trade Logo displayed above belongs to Kotak Mahindra Bank Limited and is used by Kotak Mahindra Life Insurance Company Ltd. under license.

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