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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 e-Assured Savings Plan

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Guarantee a secure tomorrow, today

Life insurance can serve as the foundation of a well-planned financial strategy. And if you’re someone who desires to take an active role in reaching your financial goals, you may be looking for a life insurance policy that provides more than just simple protection - one that gives you the potential to accrue wealth that can help you accomplish a variety of future economic objectives.

Kotak e-Assured Savings Plan may be just the Plan for you. This Plan not only provides affordable protection but also helps accrue wealth for accomplishing forthcoming financial aims by giving guaranteed benefits.

Key features

  • Guaranteed Maturity Benefit payable at maturity

    A plan that offers multiple benefits that help accrue the wealth you need with: Basic Sum Assured, PLUS Accrued Guaranteed Yearly Additions, PLUS Guaranteed Loyalty Addition

  • Increasing life cover

    Guaranteed Yearly Additions added every time premium is paid, payable at Maturity or earlier death

  • Longer the premium commitment, higher the benefits

    Guaranteed Yearly Additions and Guaranteed Loyalty Addition increases with increase in premium payment term (PPT)

  • More value for money

    Enjoyhigh premium benefit resulting into higher Basic Sum Assured and also the convenience of buying online through our website

  • Option to enhance Protection

    Through a Two range of Riders – Term Benefit Rider and e-Accidental Death Benefit Rider

  • Tax benefit

    On premiums paid u/s 80(C) and benefit received u/s 10(10D)


  • Age criteria

    • Entry age: Minimum: 3 years | Maximum: 60 years
    • Maturity age: Min: 18 years | Max: 75 years
  • ​Policy and Premium Payment Term (PPT):

    PPT Policy Terms
    5 pay 10 / 15 yrs
    10 pay 15 / 20 yrs
  • Basic Sum Assured

    • Determined on the basis of premium amount, entry age, policy term and PPT
  • Annual Premium

    • Min: Rs. 20,000 | Max: No limit, subject to underwriting.
  • ​Premium Payment Details

    • Premium Payment Option: Limited only
    • For example: For 20,000 annual premium, following shall be the Basic Sum Assured for entry ages 3 & 60 yrs:
    Age Policy Term Premium payment term Basic sum assured `
    3 years 15 years 5 years ` 1,61,378
    3 years 20 years 10 years ` 3,06,262
    60 years 15 years 10 years ` 1,69,496

    • Premium Payment Mode: Yearly, Half yearly, Quarterly, Monthly
  • Modal Factor (% of annual premium):

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

Additional protection with optional Riders

  • e-Accidental death benefit Rider

    Lump sum benefit paid on accidental death of life insured in addition to Death Benefit under the base plan.

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

Kotak e-Assured Savings Plan

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Need help for paying premium?

Call on toll free number 1800 209 8800(8:00 am to 10:00pm)

Call our toll free number and our representative will help you buy the most suitable term insurance plan.

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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. Goods and Services Tax and Cess, as applicable shall be levied over and above premium amount shown here as per applicable tax laws.

Terms & Conditions

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 savings-cum-protection oriented non-participating endowment assurance plan. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on riders please read the rider brochure.

Kotak e-Assured Savings Plan: 107N080V01, Form No: N080, Kotak Term Benefit Rider - 107B003V03 Form No. B003, Kotak e- Accidental Death Benefit Rider – 107B019V01 Form No. B019

Ref. No.: KLI/17-18/E-Web/113

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)


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.

“Trade Logos displayed above belongs to Kotak Mahindra Old Mutual Life Insurance Limited’s promoting partners Kotak Mahindra Bank Ltd and Old Mutual plc and used by Kotak Mahindra Old Mutual Life Insurance Limited under license”