life incurance plans
Kotak Wealth Insurance
Kotak Wealth Insurance
Kotak Wealth Insurance
Grow Your Wealth, Protect Your Future
A combination plan that lets you build a corpus over time while keeping a life cover in place, so your family's financial goals stay protected even if something happens to you along the way.
Who it's for:
● Anyone who wants their savings to work harder than a fixed deposit while still having insurance p
Grow Your Wealth, Protect Your Future
A combination plan that lets you build a corpus over time while keeping a life cover in place, so your family's financial goals stay protected even if something happens to you along the way.
Who it's for:
● Anyone who wants their savings to work harder than a fixed deposit while still having insurance protection built in
● Long-term goal planning — children's education, a home, or retirement
Why clients should be interested:
● One plan does two jobs: protection + wealth creation
● Disciplined, goal-based savings instead of ad-hoc investing
● Tax benefits available under prevailing income tax laws
Kotak Assured Pension
Kotak Wealth Insurance
Kotak Wealth Insurance
A Non-Participating, Non-Linked, General Annuity Product
Designed for people who want a guaranteed, worry-free income after retirement — turning a lump sum (or existing retirement savings) into a regular payout for life, so day-to-day expenses are never dependent on market ups and downs.
Who it's for:
● Clients nearing retirement or already
A Non-Participating, Non-Linked, General Annuity Product
Designed for people who want a guaranteed, worry-free income after retirement — turning a lump sum (or existing retirement savings) into a regular payout for life, so day-to-day expenses are never dependent on market ups and downs.
Who it's for:
● Clients nearing retirement or already retired, who want predictable income
● Anyone who wants to convert NPS/PF maturity proceeds or other savings into a guaranteed pension
Why clients should be interested:
● Guaranteed annuity payouts — income that doesn't fluctuate with the market
● Multiple annuity options to match the client's family and income needs
● Peace of mind: no need to actively manage investments post-retirement
Kotak e-Term
Kotak Wealth Insurance
Kotak e-Term
Always Be a Step Ahead — #TakeCharge
A pure term insurance plan built to give maximum life cover at an affordable premium. It's the simplest way to make sure a client's family is financially secure — covering loans, daily expenses, and future goals — if the unexpected happens.
Who it's for:
● Young professionals and family breadwinners look
Always Be a Step Ahead — #TakeCharge
A pure term insurance plan built to give maximum life cover at an affordable premium. It's the simplest way to make sure a client's family is financially secure — covering loans, daily expenses, and future goals — if the unexpected happens.
Who it's for:
● Young professionals and family breadwinners looking for high cover at low cost
● Anyone who wants pure protection without mixing in investment
Why clients should be interested:
● High sum assured at an affordable premium — protection-first, cost-efficient
● Flexible premium payment and payout options to match life stage
● Tax benefits available under prevailing income tax laws
This is often the easiest plan to open the conversation with — everyone needs term cover, and it's a natural entry point before discussing wealth or pension plans.
life incurance plans contd...
Kotak Gen2Gen Income
Kotak Wealth Optima Plan
Kotak Wealth Optima Plan
Ek Plan ki Income, Do Generations Kare Welcome! — Comes with a Life Cover
A unique income plan that benefits two generations from a single policy — giving clients a regular income stream during their lifetime while also building a legacy that carries forward, with the security of a life cover included.
Who it's for:
● Clients who want to c
Ek Plan ki Income, Do Generations Kare Welcome! — Comes with a Life Cover
A unique income plan that benefits two generations from a single policy — giving clients a regular income stream during their lifetime while also building a legacy that carries forward, with the security of a life cover included.
Who it's for:
● Clients who want to create a financial bridge between themselves and their children/family
● Families looking for both a regular income and long-term legacy planning in one plan
Why clients should be interested:
● Single or joint life option — flexible to family structure
● Regular income for the policyholder plus life cover protection
● A meaningful way to plan for both current needs and the next generation
Kotak Wealth Optima Plan
Kotak Wealth Optima Plan
Kotak Wealth Optima Plan
Enhance Your Wealth with Trust and Confidence
An individual, unit-linked, non-participating endowment plan for clients who want their money invested in the market for long-term growth, along with life insurance protection — ideal for clients who are comfortable with market-linked returns in pursuit of higher long-term growth.
Who it's for:
●
Enhance Your Wealth with Trust and Confidence
An individual, unit-linked, non-participating endowment plan for clients who want their money invested in the market for long-term growth, along with life insurance protection — ideal for clients who are comfortable with market-linked returns in pursuit of higher long-term growth.
Who it's for:
● Clients with a longer investment horizon who are comfortable with market-linked returns
● Those who want the potential for higher growth compared to traditional savings plans
Why clients should be interested:
● Market-linked investment growth combined with life cover
● Choice of fund options to match the client's risk appetite
Important note to share with clients: this is a unit-linked plan, so investment risk is borne by the policyholder, and there is a mandatory 5-year lock-in period during which funds cannot be withdrawn or surrendered.
Kotak e-Term
Kotak Wealth Optima Plan
Kotak e-Term
Always Be a Step Ahead — #TakeCharge
A pure term insurance plan built to give maximum life cover at an affordable premium. It's the simplest way to make sure a client's family is financially secure — covering loans, daily expenses, and future goals — if the unexpected happens.
Who it's for:
● Young professionals and family breadwinners look
Always Be a Step Ahead — #TakeCharge
A pure term insurance plan built to give maximum life cover at an affordable premium. It's the simplest way to make sure a client's family is financially secure — covering loans, daily expenses, and future goals — if the unexpected happens.
Who it's for:
● Young professionals and family breadwinners looking for high cover at low cost
● Anyone who wants pure protection without mixing in investment
Why clients should be interested:
● High sum assured at an affordable premium — protection-first, cost-efficient
● Flexible premium payment and payout options to match life stage
● Tax benefits available under prevailing income tax laws
This is often the easiest plan to open the conversation with — everyone needs term cover, and it's a natural entry point before discussing wealth or pension plans.