Aditya Birla Sun Life vs Kotak Investment Life Insurance 2026 | PolicyX
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At a glance

Which insurer is ahead on the figures both publish

Claim settlement ratio

Aditya Birla Sun Life

98.65%Aditya Birla Sun Life Minimum Age - 5 year%Kotak Investment

Share of death claims the insurer paid

Solvency ratio

Kotak Investment

1.88Aditya Birla Sun Life Maturity Age- 75Kotak Investment

IRDAI minimum is 1.5

COMPANY DETAILS ✎ Edit

Aditya Birla Sun Life

✎ Edit

Kotak Investment

Customer rating

Customer rating

4.6 / 5

Customer rating

4.6 / 5
Life insurance plans listed

Life insurance plans listed

6 plans ❯

Life insurance plans listed

17 plans ❯
Annual premiums collected (2024-25)

Annual premiums collected (2024-25)

₹ 20638.77 crore

Annual premiums collected (2024-25)

₹ Rs 50,000 to No limit
Claim settlement ratio

Claim settlement ratio

98.65% Higher

Claim settlement ratio

Minimum Age - 5 year%
Solvency ratio

Solvency ratio

1.88

Solvency ratio

Maturity Age- 75 Higher
Pan India presence (branches)

Pan India presence (branches)

1048+

Pan India presence (branches)

Annual, half-yearly,
Payout options

Payout options

Lump sum, regular frequencies or a combination of both

Payout options

Not available
Riders available

Riders available

accidental death and disability riders, critical-illness riders, hospital and surgical care riders, waiver of premium, accelerated/terminal illness benefits

Riders available

Minimum term: 6 years. Maximum term: 30 years.

Plans from Aditya Birla Sun Life and Kotak Investment

Every plan we list from each insurer, including its term and investment plans. Switch insurer to see the other's plans.

Life

Aditya Birla Sun Life Fixed Maturity Plan

The ABSLI Fixed Maturity Plan is a non-linked, non-participating endowment product offering both life insurance protection and a… Read More

  • Tax Benefits u/s 80C & 10 (10D)
  • Single Premium
  • ZERO Withdrawal Charges
Sum assuredSingle, Limited, Regular
Entry age8 years
View plan
Term

Aditya Birla Life Shield Plan

The Aditya Birla Sun Life Shield Plan is an online term insurance policy offering 8 flexible options, including Level Term, Incre… Read More

  • Avail 8 Plan Options
  • Flexible Premium Payment
  • Cover for Spouse
Sum assuredBase Sum Assured: 25 Lacs to no limit
Entry ageMinimum Age: 1 year, Maximum Age: 65 ye…
View plan
Term

ABSLI Poorna Suruksha Kawach

ABSLI Poorna Suraksha Kawach is a term insurance plan that combines life cover with a return of premium benefit if the policyhold… Read More

  • 6 Plan options
  • Increasing or decreasing Sum Assured benefit
  • Special exit value
Sum assuredBase Sum Assured: ₹50 Lakhs to ₹20 Cror…
Entry ageMinimum Entry Age: 18 years, Maximum En…
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Term

Aditya Birla Saral Jeevan Bima

Aditya Birla Sun Life Saral Jeevan Bima is a straightforward term insurance plan, providing high life cover at affordable premium… Read More

  • Simple Protection Plan
  • Flexible Premium Payment
  • Covers Accidental Death
Sum assuredBase sum assured: 5 lakhs to 25 Lakhs
Entry ageMinimum Age - 18 years Maximum Age - 65…
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Term

Aditya Birla Anmol Suraksha Kawach Plan

Aditya Birla Sun Life's Anmol Suraksha Kawach is a short-term term insurance plan, providing life coverage from ₹50 lakh to ₹2 cr… Read More

  • Short-term protection
  • Affordable premiums
  • Flexible premium payment term
Sum assuredBase Sum Assured: ₹50 Lakhs to ₹2 Crores
Entry ageMinimum Age: 23 years, Maximum Age: 55…
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Term

Aditya Birla Sun Life DigiShield Plan

Aditya Birla Sun Life's DigiShield Plan is a flexible term insurance solution designed to provide substantial financial protectio… Read More

  • Large Sum Insured
  • Many Plan Options
  • Affordable Premium
Sum assuredBase sum assured: ₹30 Lakhs to no limit.
Entry ageMinimum Age: 18 years, Maximum Age: 65…
View plan
Kotak Investment Plans

Kotak Life Assured Savings

Kotak Life Assured Savings is a non-participating endowment plan that combines life protection with wealth creation, guaranteeing… Read More

  • Guaranteed maturity amount
  • Increasing life cover
  • Policy loan available
Sum assured5 years, 10 years
Entry ageMin entry age: 3 years Max entry age: 6…
View plan
Investment Plan

Kotak Premier Endowment Plan

The Kotak Life Premier Endowment Plan is a hybrid offering that combines life insurance protection with a savings component, help… Read More

  • Guaranteed additions
  • Bonuses
  • Flexible payment term
Sum assuredSame as the policy term
Entry ageMin entry age: 18 years Max entry age…
View plan
Investment Plan

Kotak Life Invest Maxima

Kotak Life Invest Maxima is a Unit-Linked Insurance Plan (ULIP) designed by Kotak Life Insurance to offer both life cover and wea… Read More

  • Zero Premium Allocation Charges
  • Flexible Premium Pay
  • Partial Withdrawals
Sum assuredSame as the policy term
Entry ageMin entry age: 0 years. Max entry age…
View plan
Investment Plan

Kotak Life Premier Money Back Plan

The Kotak Life Premier Money Back Investment Plan is a savings-cum-protection plan that offers regular payouts as a percentage of… Read More

  • Regular Payouts
  • Special Premium Discount
  • Maturity Additions
Sum assured8, 10 or 12 years
Entry ageMin entry age: 2 years Max entry age: 5…
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Investment Plan

Kotak Classic Endowment Plan

The Kotak Life Classic Endowment Plan is a long-term protection-cum-savings plan that offers life cover up to age 75. It provides… Read More

  • Cover up to 75 Years
  • Special Premium Discount
  • Additional Bonuses
Sum assuredEqual to Policy Term
Entry ageMinimum entry age: 0 years Maximum entr…
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Investment

Kotak Premier Income Plan

The Kotak Life Premier Income Investment Plan is a non-linked, participating whole life insurance plan that offers both savings a… Read More

  • Guaranteed regular payout
  • Bonus benefits
  • Rider protection
Sum assured8/10/12/15/19/23 years
Entry ageMinimum entry age: 3 years; Maximum ent…
View plan
Investment Plan

Kotak Single Invest Advantage

Kotak Single Invest Advantage is a unit-linked insurance plan (ULIP) from Kotak Life Insurance, combining investment growth with… Read More

  • Single premium payment option
  • Choice of 5 different funds
  • 3 investment strategies
Sum assuredSingle
Entry ageMinimum entry age: 3 years Maximum entr…
View plan
Investment Plan

Kotak Platinum Insurance plan

The Kotak Platinum Insurance Plan is a unit-linked life insurance savings plan (ULIP) that combines life cover with investment op… Read More

  • Multiple investment strategies
  • Partial withdrawal option
  • Enhance protection through riders
Sum assured5,10,15 and 30 years
Entry ageMinimum entry age: 1 year, Maximum entr…
View plan
Investment

Kotak Guaranteed Savings Plan

Kotak Life's Guaranteed Savings Investment Plan combines life insurance with guaranteed savings, offering death benefits to nomin… Read More

  • Guaranteed Loyalty Additions
  • Limited Premium Payment Options
  • Waiting Period
Sum assured5,7,8,10 years
Entry ageMinimum entry age: 3 years. Maximum ent…
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Investment Plan

Kotak Ace Investment Plan

Kotak Life Ace Investment Plan is a ULIP combining life insurance coverage with investment growth. Policyholders can choose from… Read More

  • Top-up premiums
  • Choice of life cover
  • Enhancing options to choose from
Sum assured15/20/25/30 years
Entry ageMinimum entry age: 0 years Maximum entr…
View plan
Kotak Investment Plans

Kotak e-Invest Plan

The Kotak Life e-Investment Plan is a ULIP offering the dual benefits of financial security for loved ones and a maturity amount… Read More

  • Multiple plan option
  • Partial withdrawals
  • Enhancing options
Sum assured10 to 60 - Age at Entry or 5, 7, 10 yea…
Entry ageMinimum entry age: 3 years. Maximum ent…
View plan
Investment Plan

Kotak Wealth Optima Plan

Kotak Wealth Optima is a ULIP that combines wealth growth with financial protection for families, offering both maturity and deat… Read More

  • Wealth boosters
  • Whole life coverage option
  • Yearly additions
Sum assured5/7/10/60- Entry Age
Entry ageMinimum entry age: 3 years; Maximum ent…
View plan
Investment Plan

Kotak Assured Income Accelerator

The Kotak Life Assured Income Accelerator is a dual-purpose life insurance plan that combines protection with savings. It offers… Read More

  • Guaranteed Income
  • Income Boosters
  • Optional Riders
Sum assured7,10,12 years
Entry ageMinimum entry age: 0 years Maximum entr…
View plan
Kotak Investment Plans

Kotak Guaranteed Fortune Builder Plan

Kotak Life's Guaranteed Fortune Builder is a comprehensive investment and savings plan designed to help individuals achieve finan… Read More

  • Get Long or Early Income
  • Earn Yearly Guaranteed Additions
  • In-built Waiver of Premium
Sum assured5, 7, 10 years
Entry ageMin- 3 years, Max- 60 years
View plan
Kotak Investment Plans

Kotak Fortune Maximiser Plan

The Kotak Life Fortune Maximiser is a limited-pay participating endowment plan offering long-term life coverage up to age 85. It… Read More

  • Spouse Life Cover
  • Coverage till 85 years
  • Choice of Bonus Payout
Sum assured6, 8, 10, 12, 15 years
Entry ageMin- 90 days, Max- 60 years
View plan
Kotak Investment Plans

Kotak Single Invest Plus Plan

The Kotak Mahindra Single Invest Plus Investment Plan is a single-pay unit-linked insurance plan designed for both life protectio… Read More

  • Choice of Fund Options
  • Loyalty Additions
  • In-built Joint Life Cover
Sum assured10 years
Entry ageMin- 3 years, Max- 52 years
View plan
Kotak Investment Plans

Kotak Smart Life Plan

Kotak Smart Life is a non-linked, participating endowment life insurance plan that helps policyholders achieve financial goals an… Read More

  • Explore All about Kotak SmartLife Insurance
  • Understand the Key Features & Benefits
  • Check Eligibility Criteria
Sum assured6, 8, 10, 12, and 15 years
Entry ageMinimum Age - 3 years Maximum Age - 55…
View plan
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Expert Reviewed

Reviewed By: Naval Goel

Naval Goel has over a decade of expertise in the insurance sector, having worked with companies like AIG, New York. He is an Associate Member of the Indian Institute of Insurance, Pune, and is authorized by IRDAI to act as Principal Officer of PolicyX.com Insurance Web Aggregator.

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