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Kotak e-term plan is a pure risk term insurance plan providing your family and loved ones with financial protection in the face of adversity. Kotak e-term plan offers multiple plan options namely life, life plus, and Life Secure. Kotak Life e-term plan also offers the option of Increasing or decreasing life cover based on various life stages.
Kotak e-Term Plan offers you a range of benefits including:

| PLAN DETAILS |
E Term Plan |
Lifestyle Secure Plan |
| Premium Including GST | ||
| Key Features (Key features of the plan) |
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| Plan Maturity age | Maximum Maturity Age - 85 years | Maximum Maturity Age - 60 years |
| Plan Sum Assured | Basic Sum Assured: ₹51L to No Limit | Base sum assured: Rs 3 lakh to 15 lakh |
| Plan Entry Age | Minimum Age - 18 years Maximum Age - 60 years | Minimum Age - 18 years Maximum Age - 50 years |
| Plan Payment modes | Single, Yearly, Half-Yearly, Quarterly and Monthly | Annual, half-yearly, quarterly & monthly |
| Plan Policy loan | The policy loan is not available under Kotak e-term Plan. | The policy loan is not available under Bajaj Lifestyle Secure Plan |
| Plan Sample Premium | Rs 580-/ per month | Rs 728/- per month |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | Minimum term - 10 years Maximum term - 40 years | Minimum term - 5 years Maximum term - 20 years |
| Claim Settlement Ratio (2024-25) | 98.61% | 99.33% |
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Kotak Life Term Insurance |
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* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.
You can add the following riders to your Kotak e-term Plan:
Get an extra payout if you are diagnosed with 37 covered critical illnesses.
In case the policyholder gets permanently disabled due to an accident, benefits are paid under this rider.