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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 Wealth Insurance

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 surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year

We know when it comes to your family’s future you wouldn’t leave anything to chance. You would surely want to ensure that they are financially secure and want to provide them enough to take care of their future goals. This is why Kotak Wealth Insurance helps you strike an apt balance of protection and wealth accumulation. As a unit-linked insurance plan (ULIP), it allows you to build a corpus of money by regularly investing in the funds of your choice while ensuring that your family is well protected through a comprehensive life cover.

Key features

  • Accumulate wealth through a disciplined investment approach

    At maturity, you will receive a corpus of money accumulated through returns earned via investing in the funds of your choice. Our well-qualified and experienced experts manage all the funds offered under this unit-linked insurance plan. You might use this corpus to take care of a large expense like buying a car or a marriage.

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

    In the unfortunate event of death (where the policyholder and the life assured are the same), Kotak Life Insurance helps lessen the financial burden your family might face by providing the benefit of triple protection as follows: Your beneficiary is paid 100% of the basic sum assured immediately to compensate for immediate loss of income. Fund Value in Main Account Plus Lump Sum Benefit In this way your family gets an immediate financial relief and they don't feel financially insecure.

  • Customised fund portfolio for your risk-returns profile

    Everybody has different needs. So do you. Hence, in this investment plan, you can invest your money in a variety of fund options suited for all types of investors, ranging from cautious to aggressive. What's more, you can divide your money between different funds or even switch from one fund to another for added investment flexibility. Additionally, you also have the convenience of either managingyour portfolio actively or leaving it up to our trusted investment experts. In either case, you'll find a suitable fund from our range of funds catering to different risk profiles.

  • Easy access to investment

    Need cash for an unexpected life event? Kotak Wealth Insurance allows you to make partial withdrawals after the 5th policy year.

  • Option of shorter-term payment

    If a longer payment period doesn’t suit your needs, you can always opt for a shorter one. Enjoy all the benefits of a 10-year plan and have the convenience of a 5-year premium payment period.

  • Other advantages

    Switch between funds for better flexibility. Invest surplus capital in this investment plan as Top-Up Premiums.


  • Age criteria

    • Entry age: Life Assured: 0 to 65 years | Policyholder: 18 to 65 years
    • Maturity Age: Max: 75 years
  • Policy

    • Policy Term: Option of 10/15/20/25/30years
  • Basic Sum Assured

    • Minimum sum assured: Entry age below 45: Higher of 10 x annual premium OR 0.5 x policy term x annual premium | Entry age 45 and above: Higher of 7 x annual premium OR 0.25 x policy term x annual premium
    • Maximum sum assured: 25 x annual premium
  • Premium Amount

    • Minimum: Regular Premium: Rs. 20,000 | Limited Premium: Rs. 50,000
    • Maximum: No limit
  • Premium Payment Details

    • Premium Payment Mode: Annual
    • Premium Payment Term: Regular: Payment applies throughout policy term, Limited: 5 years payment with policy term of 10 years
  • Top-Up Premium

    • Minimum payment: Rs. 10,000 | Maximum payment: Total Top-Up premium paid shall not exceed the sum of all the regular premiums paid at that time
  • Top-Up Sum Assured

    • Top-Up at ages below 45 years: Assured Top-Up sum of 1.25 x Top-Up premium | Top-Up at ages 45 years and above: Assured Top-Up sum of 1.10 x Top-Up premium
  • General Exclusion

    • In case the life insured commits suicide within one year of date of issue of the policy, the beneficiary would receive the Fund Value in the Main and the Top-Up Accounts.
    • In case the life insured commits suicide within one year of date of payment of Top-Up Premium, the Top-Up Sum Assured is not payable and only the Fund Value in the Top-Up Accounts is payable.
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Read about Tax benefits & Plan Disclaimer

Benefits earned under this plan are in accordance with the Income Tax Act, 1961. 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.

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 Old Mutual Life Insurance Ltd is only the name of the insurance company and Kotak Wealth Insurance 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 from your insurance agent, the intermediary or policy document of the insurer.

Terms and conditions

Insurance is the subject matter of the solicitation.

Kotak Wealth Insurance - UIN: 107L063V02, Form No: L063; Ref No. KLI/13-14/E-WEB/194

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)

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 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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