Kotak Investment Plans
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Kotak Investment Plans

Kotak investment plans are versatile and provide the benefit of creating a financial corpus for their customers so that they can fulfill all their aspirations with effective financial planning. Kotak Investment plan range guarantees returns on investments made, especially from market-linked financial instruments. Most Kotak Mahindra Investment Plans offer annual vested bonuses and income boosts, enabling buyers to optimize their earnings.

Kotak Life Insurance is known as one of the leading life insurance companies that provides numerous life insurance plans for life cover, savings, and investment purposes as well. The company has a special category known as Savings and Investment Plans that enables individuals to save their income and gain excellent returns. The company provides several Kotak Investment Plans to fulfill every individual's investment and savings-related needs.

Kotak Mahindra Bank investment plans are specially designed to make your money work for you while you enjoy your life to the fullest.

Key Features of Kotak Life Insurance

Below-mentioned are some of the key features of Kotak Mahindra Life Insurance company that let you get an insight into the company's performance, and will help you to make a better decision:

  • Solvency Ratio
    The solvency ratio is one of the important factors that should be considered while selecting an insurance company. It helps policyholders to assess the ability of a company to meet its financial obligations.IRDAI has mandated the companies to maintain a solvency ratio of 1.5. At present, the Solvency Ratio of Kotak Life stands at 2.97.
  • Claim Support
    The claim settlement ratio of an insurance company highlights the number of claims settled by it. Hence, it helps potential buyers determine a company's claim settlement capacity. The company's claim settlement ratio for 2020-21 stands at 98.50%.
  • Annual Premium
    Kotak Life Insurance showcased a strong holding in terms of market share in the financial year 2020-21 with Rs. 11100.22 crores annual premium.
  • PAN India Presence
    Kotak Life Insurance Company has 200+ branches across India and additional distribution touch-points through several new tie-ups and partnerships. Apart from its PAN India presence, it has more than 200 partnerships, comprising traditional partners such as SFBs, MFIs, and NBFCs. Moreover, it also has a strong base of financial consultants.
Kotak Life Insurance Key Features

Benefits of Kotak Mahindra Investment and Savings Plans

With over 20 million customers PAN India Kotak Mahindra Life Insurance has garnered its position of being amongst the most trusted insurance companies. It has over 10+ savings and investment plans that offer financial protection to individuals and families along with multiple benefits.

  • Savings and Growth If you are in search of a stable monetary foundation for your future regardless of your current financial condition, these plans provide the perfect means.
  • Guaranteed payout Most plans other than the market-linked varieties offer guaranteed sum assured.
  • Death benefits These policies being life insurance plans offer payouts to your beneficiary in case of any eventuality. Such payments are usually independent of any previous payouts of bonuses.
  • Liquidity You can avail of partial withdrawals on your funds or apply for loans against your policy.
  • Guaranteed income Many plans guarantee extra annual revenues after the completion of the premium payment term.
  • Increase in income Some income plans offer income boosts and enhance the yearly proceeds during the payout phase.
  • Bonuses Most plans offer yearly vested bonuses along with terminal bonuses at maturity.
  • Special rates Women and investors who opt for higher premium amounts can enjoy enhanced sum assured.

Kotak Life Savings & Investment Plans

Kotak Mahindra Life Savings and Investment Plan provides the benefits of an insurance cover as well as a market-linked investment allowing the flexibility to invest in equity or debt funds, depending on the investor's risk appetite.

Kotak Assured Savings Plan

The plan enables you to accumulate wealth and strengthens your finances for the future. It offers financial protection as well as wealth accumulation.

Unique Features

  • Avail Maturity Benefits
  • Increasing Life Cover
  • Value for money

Kotak Premier Endowment Plan

A plan that works for your dreams and offers Guaranteed Additions in the first 5 policy years.

Unique Features

  • 5% guaranteed additional
  • Avail Bonus
  • Flexible premium payment

Kotak Investment Maxima

An investment-oriented unit-linked life insurance plan with a maximum premium allocation that allows you to enter the equity market safely.

Unique Features

  • Zero premium allocation charges
  • Choice of portfolio strategy
  • Avail rewards

Kotak Premier Money Back Plan

A limited pay plan that provides lump sum payouts at regular intervals to meet your interim financial requirements.

Unique Features

  • Regular payouts
  • Lump sum maturity addition
  • Bonus from 1st year

Kotak Classic Endowment Plan

A long-term protection cum savings plan that offers protection benefits while earning Bonuses during the policy term.

Unique Features

  • Longer protection term
  • Flexible term options
  • Bonus benefits

Kotak Smart Life Plan

A limited-pay participating endowment plan which will provide you with options to utilize your cash bonus during the policy years.

Unique Features

  • Bonus option
  • Choose bonus option
  • Riders available

Kotak Premier Income Plan

A savings and protection-oriented plan that offers Guaranteed Annual Income immediately after the premium payment term.

Unique Features

  • Enhanced sum assured rates
  • Avail bonuses
  • Rider benefits available

Kotak Sampoorna-Bima Micro Insurance Plan

A single premium plan with a fixed term of 5 years meant for catering to the needs of low-income customers.

Unique Features

  • Single Premium
  • Guaranteed Payout
  • Hassle-free purchase

Kotak Single Invest Plus

A single premium unit-linked plan with joint life protection cover, loyalty additions, and a wide array of funds.

Unique Features

  • Single premium
  • Joint Life Cover
  • Loyalty additions

Kotak Single Invest Advantage

A hassle-free unit-linked plan, where you invest once and reap the benefits throughout the policy term.

Unique Features

  • Avail Loyalty Additions
  • 3 investment strategies
  • One-time investment

Kotak Platinum Plan

An investment plan with nominal charges that you can customize as per your goals and requirements.

Unique Features

  • 3 investment strategies
  • Additional survival benefits
  • 98% premium allocation to investments

Kotak POS Bachat Bima

A Non-Linked Non-Participating Life Insurance plan provides options for life insurance coverage to suit your needs along with providing guaranteed benefits.

Unique Features

  • Life and Life plus options
  • Guaranteed yearly additions
  • Guaranteed loyalty additions

Kotak Guaranteed Savings Plan

A Non-Linked Non-Participating Endowment Life Insurance Plan that provides ‘Guaranteed’ benefits.

Unique Features

  • Limited premium payment
  • Guaranteed loyalty additions
  • Rider benefit available

Kotak Ace Investments

An investment plan that is designed with the clear objective of helping you accumulate wealth and providing you with adequate life cover.

Unique Features

  • 3 investment strategies
  • Flexible payment term
  • Top-up Sum Assured

Kotak e-invest

A comprehensive Unit Linked Life Insurance Plan that can be customized as per your goals and requirements.

Unique Features

  • Zero premium allocation charges
  • Yearly additions available
  • Multiple plan options

Kotak Wealth Optima Plan

A protection and savings-oriented unit-linked insurance plan that provides life insurance cover to protect your family in case of your unfortunate demise.

Unique Features

  • Whole life coverage available
  • 2 investment strategies optional
  • Avail wealth boosters

Kotak Premier Life Plan

It is a limited premium paying participating whole life plan and you can choose to receive bonus payouts even after the premium payment term expires.

Unique Features

  • Whole life coverage
  • Bonus payouts available
  • Value for money

Kotak Assured Income Accelerator

A non-participating guaranteed income anticipated endowment insurance plan offering unique risk-free returns and guaranteed income every year.

Unique Features

  • Guaranteed income benefit
  • Increase in guaranteed income
  • Death benefit available

Kotak Life Products

Investment Plans Companies

Look after your investment needs with the below-mentioned IRDAI approved Investment Plan companies.

How To Buy Kotak Mahindra Investment Plans?

Kotak Mahindra Life allows you to buy savings and investment plans via two platforms. You can either buy the plan online from the official website of the company or through third-party intermediaries like agents, brokers, etc. Given below is a detailed explanation of both these types of buying processes.

Steps to buy from PolicyX.com

  • Fill out the form given at the top of this page with the necessary details.
  • Select your income and city. Click on 'Proceed'.
  • Update your education and occupation details.
  • Choose your preferred plan and click on 'Buy this plan'.

**Once the payment is made, you will get a payment confirmation at your registered email address.

Steps to buy from Kotak Mahindra Life Insurance company

  • Visit the official website of Kotak Mahindra Life Insurance Company.
  • Click on 'Insurance plans' on the navigation bar and select 'Savings and Investment Plans'.
  • Click on the 'buy now' button and fill in the required details.
  • Tap on 'next' and select a plan as per your requirements.
  • Select the cover option you want and make your payment.

**Once the payment is made, you will get a payment confirmation at your registered email address.

How Can I Contact Kotak Life Insurance?

Get details of your policy on our WhatsApp servicing. Say "Hi" to 93210 03007.You can also get in touch with the company through their Live Chat Option- 'KAYA'.

WhatsApp:93210 03007

Life Insurance Articles

Life Insurance FAQs

Life Insurance FAQsSeptember, 2021

Kotak Investment Plans: FAQs

1. Can I switch between different funds under Kotak Investment Plans?

Yes, switching between funds is possible with Kotak Life savings and investment Plans.

2. How many fund choices does Kotak Life Insurance offer?

Now, you can choose from 6 different fund options. These are:

  • Balanced Fund
  • Gift Fund
  • Aggressive Growth Fund
  • Floating Rate Fund
  • Bond Fund
  • Growth Fund

3. Can I surrender my Kotak investment plan before maturity?

Yes. As an investor, you have the authority to surrender before the maturity date. Once the surrender value is paid out, the policy will be terminated.

4. Do Kotak Life Investment Plans provide guaranteed returns?

Yes, several plans guarantee returns on your investments. Policyholders also get accrued bonuses and yearly additions on their investments. Please note that with ULIPs and other market-linked plans, the risks are borne by the investors.

5. How can I check the status of my Kotak Investment Plan?

If you are a registered user, you can simply log in to your account through the e-portal and check the status anytime, anywhere.

6. How can I pay premiums for my Kotak Mahindra Bank Investment Plans, and what available mores are there to pay the same?

The company offers more than 10 premium payment modes, namely:

  • Cash/ cheque payment at the branch
  • Online Payment Payment at the Kotak bank
  • ATM drop boxes
  • NEFT
  • ECS
  • IMPS
  • Standing Instructions
  • Direct Debit
  • Payment through bill desk
  • Electronic bill payment
  • Postal money order
  • Bank guarantee

For the online payment mode, the policyholder can pay via; Credit Card, Debit Card Net banking

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.