BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS
IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
Riders shall not be available for policies purchased through POS distribution channel.
Disclaimers:
^Tax Benefits:
Tax benefits are subject to conditions specified as per Income-Tax Act, 1961. Tax laws are subject to amendments from time to time. Customer is advised to take an independent view from tax consultant.
#The above illustration is for an 18-year-old healthy male, non-smoker who is willing to invest ₹10,000 per month and will pay for 10 years for this policy; where the policy term is 20 years.
$The above illustration is for Male aged 18 years, Premium: ₹1,00,000 p.a., Premium Payment Term: 10 years, Deferment Period: 1 years, Policy Term: 11 years, Income Benefit Period: 25 years & Income Benefit
Frequency: Annual. Plan option opted is Long Term Income – Income Only. The premium is assuming the policy is bought Online.
& GST is exempted for all individual life insurance policies effective from 22nd September 2025 and Cess thereon shall be charged as per the prevalent tax laws over and above the said premiums.
@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.
*Please note that Bonuses are NOT guaranteed and may be as declared by the Company from time to time.
Kotak Guaranteed Fortune Builder, UIN: 107N128V09 Kotak Term Benefit Rider, UIN:107B003V03, Kotak Accidental Death Benefit Rider, UIN:107B001V04, Kotak Permanent Disability Benefit Rider, UIN:107B002V03, Kotak Life Guardian Benefit Rider, UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider, UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02.
A Non-Participating Non-Linked Life Insurance Individual Savings Product. This is a saving and protection oriented 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 Assured Savings Plan UIN: 107N081V09 Kotak Term Benefit Rider – UIN: 107B003V03, Kotak Accidental Death Benefit Rider UIN: 107B001V04, Kotak Permanent Disability Benefit Rider UIN: 107B002V03, Kotak Life Guardian Benefit Rider – UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider – UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02. This is a non-participating non-linked life insurance individual savings product. This is a saving cum protection oriented 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 Guaranteed Savings Plan UIN: 107N100V05. Kotak Term Benefit Rider, UIN: 107B003V03, Kotak Accidental Death Benefit Rider, UIN: 107B001V04, Kotak Permanent Disability Benefit Rider, UIN: 107B002V03, Kotak Life Guardian Benefit Rider, UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider, UIN: 107B011V02. This is a non-participating non-linked life insurance individual savings product. This is a saving and protection oriented 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 Fortune Maximiser UIN: 107N125V03, Kotak Term Benefit Rider, UIN: 107B003V03, Kotak Accidental Death Benefit Rider, UIN: 107B001V04, Kotak Permanent Disability Benefit Rider, UIN: 107B002V03, Kotak Life Guardian Benefit Rider, UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider, UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02. This is Participating Non-Linked Life Insurance Individual Savings Product. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of
future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses. Benefits under the plan are dependent upon the performance of the participating Funds. 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 Get Assured Income Now UIN: 107N141V02, Kotak Term Benefit Rider, UIN: 107B003V03; Kotak Accidental Death Benefit Rider, UIN: 107B001V04; Kotak Permanent Disability Benefit Rider, UIN: 107B002V03; Kotak Life Guardian Benefit Rider, UIN: 107B012V02; Kotak Accidental Disability Guardian Benefit Rider, UIN: 107B011V02, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02. 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. This is a Participating Non-Linked Life Insurance Individual Savings Product. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses. Benefits under the plan are dependent upon the performance of the participating Funds.
Kotak SmartLife Plan UIN: 107N102V04, Kotak Term Benefit Rider UIN: 107B003V03, Kotak Accidental Death Benefit Rider UIN: 107B001V04, Kotak Permanent Disability Benefit Rider UIN: 107B002V03, Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02, Kotak Life Guardian Benefit Rider UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider UIN: 107B011V02. 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. This is a Participating Non-Linked Life Insurance Individual Savings Product. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses. Benefits under the plan are dependent upon the performance of the participating Funds.
Kotak Classic Endowment Plan UIN: 107N082V03, Kotak Term Benefit Rider UIN: 107B003V03, Kotak Accidental Death Benefit Rider UIN: 107B001V04, Kotak Permanent Disability Benefit Rider UIN:- 107B002V03, Kotak Critical Illness Plus Benefit Rider UIN:-107B020V02, Kotak Life Guardian Benefit Rider UIN: 107B012V02, Kotak Accidental Disability Guardian Benefit Rider UIN: 107B011V02. 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. This is a Participating Non-Linked Life Insurance Individual Savings Product. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses. Benefits under the plan are dependent upon the performance of the participating Funds.
Kotak Gen2Gen Income UIN: 107N163V01, Kotak Term Benefit Rider UIN: 107B003V03; Kotak Accidental Death Benefit Rider UIN: 107B001V04; Kotak Permanent Disability Benefit Rider UIN: 107B002V03; Kotak Life Guardian Benefit Rider UIN: 107B012V02; Kotak Accidental Disability Guardian Benefit Rider UIN: 107B011V02; Kotak Critical Illness Plus Benefit Rider UIN: 107B020V02. 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. This is A Participating Non-Linked Life Insurance Individual Savings Product. Kotak Life Guardian Benefit Rider is not available for Legacy Income & Legacy Paid-Up Additions Options. The risk factors of the bonuses projected under the product are not guaranteed. Past performance doesn't construe any indication of future bonuses. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses. Benefits under the plan are dependent upon the performance of the participating Funds.
Kotak Sampoorn Bima Micro-Insurance Plan UIN: 107N092V03. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. This is a non-participating non-linked life insurance individual savings product.
Sukanya Samriddhi Yojana (SSY) Disclaimer:
~Interest rate of 8.2% per annum Source:
https://economictimes.indiatimes.com/wealth/invest/sukanya-samriddhi-yojana-offers-8-2-interest-now-eligibility-how-to-invest/sukanya-samriddhi-yojana-offers-8-2-interest/slideshow/111345233.cms?from=mdr
Post Office (PO) Savings Scheme Disclaimer:
~Interest Rate of 4% per annum Source: https://www.indiapost.gov.in/Financial/pages/content/post-office-saving-schemes.aspx
Senior Citizen Savings Scheme (SCSS) Disclaimer :
~Interest Rate 8.2% per annum Source : https://economictimes.indiatimes.com/wealth/invest/latest-senior-citizen-savings-scheme-interest-rate-what-is-the-post-office-scss-rate-for-april-june-2025-quarter/articleshow/119906513.cms?from=mdr
Employees Provident Fund (EPF):
Interest Rate ~8.25% p.a Source: https://www.newsonair.gov.in/centre-approves-8-25-interest-rate-on-epf-deposits-for-fy-2024-25/#:~:text=The%20Centre%20has%20approved%208.25,the%20financial%20year%202024%2D25
This website content only gives the salient features of the plan.
